milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-06-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Struggling to pay mortgage

Complaint: nationstar is trying to steal my home they have absolutely no standing to do so they dont send me statements i have a right as a consumer to know what my balance is i requested payment coupons more tha n ten times i found out that not one mortgage payment could reduce the principal they created a false balance sheet to look like my payments were reduced actually if i paid that loan off in entirety i could never get a clear title to the property or no person on this earth could get one also they committed fraud upon the court both state and federal federal because they forced me into bankcruptsy when they claimed they owned the mortgage and they never did i have about 80  pages of supporting documents to support what i have been saying this has taken a big toll on my life i had a rare  XXXX   XXXX  last  XXXX  and just went to my  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  week she wantedt know why numbers are not good she put me on several medicines to take i just dont care to take them anymore thanks for listening somebody has to stop this criminal bussiness not with fines in the millions thats nothing to them they have already stole that from their customers i mean billions and bring felony charges against their ceo   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Army and Air Force Exchange Service (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed paperwork to initiate a or a chapter XXXX but have not affirmed/completed the process and have not included any revolving or installment debt. XXXX XXXX has reported the account in a wage earner program ( it is not ), as a charge off bad debt not paid as agreed when the account has never been late is not charged-off is not included in any wage earner program as have not affirmed and just received and processed my payment on XX/XX/2018 for {$150.00}. This is on a account that has always been paid as agreed to date. 

The same applies to the XXXX Credit card and the XXXX credit card has been paid in-full by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Payday loan, title loan, or personal loan (Installment loan) with LendingUSA (TX).
Issue: Problem when making payments

Complaint: I financed XXXX XXXX XXXX XXXX with XXXX XXXX XXXX spa on XXXX. They closed their company permanently without notifying me. I am still having to pay the finance company and have not received the services.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Transaction issue

Complaint: I attempted to dispute a charge on my card and was told because I have a previous relationship with the vendor, they are allowed to store my card and bill me with no dispute authority. They allowed this charge despite the fact it would take me greatly over my limit. The only option I was given was to make an extra payment to bring my account balance back under the limit to avoid a negative mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my mortgage loan with Ocwen Loan Servicing , LLC on XXXX XXXX, XXXX ; however, I have not yet received the lien release document. 

I first contacted Ocwen regarding the lien release document in XXXX XXXX. I was told it could take up to 6 months, depending on the county and state of record. I waited and made several calls during XXXX, receiving the same standard " it takes time. '' On XXXX XXXX, XXXX, I insisted that my call be escalated to a supervisor. I was told that according to notes on my account that my file had been forwarded to the legal department on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I was notified by XXXX ( XXXX ) that my case had been turned over to the Lien Release Department. Someone in Lien Release needed to work with XXXX XXXX, the company from which Ocwen purchased my mortgage loan. 
On XXXX XXXX, XXXX, I contacted Lien Release, requesting an update. 
On XXXX XXXX, XXXX, I was told that my file had been transferred to legal and it might be several months before the issue was resolved. 

I reminded the lien release rep that my file had already supposedly been forwarded to legal and that I had paid my loan off 21 months prior. I was not given any contact information for the legal department. 
As of XXXX XXXX, XXXX, I have received no update from legal or anyone else at Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Debt collection (Auto debt) with CAINE & WEINER COMPANY, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I dont know why XXXX XXXX XXXX XXXX is stating that i owe them XXXX for the vehicle? I returned them this car years ago. It was never repoed. I could afford the car so i gave it back to the bank. I called them and had the vehicle picked up by there boss.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Struggling to pay mortgage

Complaint: My name is XXXX XXXX and I am the XXXX of XXXX which is the XXXX for XXXX XXXX XXXX. There is a property located at XXXX XXXX XXXX , XXXX, TX XXXX owned by XXXX XXXX. The XXXX abandoned the home about 8 years ago and it has been vacant and deteriorating since that time. Last year we filed a compliant stating the mortgage company, Nations Star Mtg was not maintaining the property. Case # XXXX. I am now told that case is close. The mortgage company did maintain the property on a monthly basis via XXXX XXXX XXXX up until about three months ago. XXXX now states it no longer has a contract to maintain. The grass has not been mowed, the shrubs not trimmed and weeds are all over the property. Nations Star Mtg needs to maintain this property as it is reducing the value of homes in the area. They also need to foreclose as it has been vacant for 8 years now. My phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On  XXXX / XXXX / 2016  I paid {$29.00} to go ahead and recieve a secured card from  XXXX   XXXX   XXXX  knowing that I had 90 Days to come up with {$200.00} to activate the card. Things came up and I never got enough money but it 's reporting to all  XXXX  bureaus as if I opened and 6 months later voluntarily closed this credit card with a {$200.00} line of revolving credit when in fact it was never usable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Credit reporting () with Credit Karma, Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am writing this letter to file a complaint against Credit Karma a.k.a creditkarma.com regarding making numerous request to investigate my consumer file. I believe that my Identity has been stolen because I am having a lot of issues retrieving any Credit information such has Credit Reports and Credit Score from all XXXX Credit Bureaus. 
When companies are processing my applications for a credit card or a loan they are informing me that no credit history exist for me or that I have delinquent accounts. When I log into Credit Karma.com a message appears that my credit information does not exist and that I have to mail or fax in copies of documents so that they can review it. I have submitted copies of the following documents ( Birth Certificate, Social Security Card, Birth Certificate, Florida Driver 's License, XXXX Statement ) to XXXX and to Credit Karma numerous times for their review and to this day still no response. 
In XXXX 2015 I was approved for a Car Loan and purchased a car which I have been faithfully paying on time. I also was approved for a XXXX XXXX and been faithfully paying that account on time as well. By now having those XXXX accounts should have helped restore my credit history and generate a Credit or XXXX score for me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This complaint is about XXXX XXXX XXXX and SW Credit Systems, XXXX 's false allegation that I owe {$66.00} to XXXX, XXXX 's false communication to a debt collection company ( SW Credit Systems, XXXX, TX ) that I owe {$66.00} to XXXX, the resulting negative report that SW Credit Systems made to a credit reporting agency ( which had a negative impact on my credit score ), and SW Credit Systems ' negligent failure to validate that I actually owed anything to XXXX. <P/>Here 's the backstory : 1. I opened an internet service account with XXXX in XXXX 2015. The service was to my home at the address listed at the end of this complaint. <P/>2. From that date I timely paid my monthly subscription fee to XXXX by direct debit for about one year, after which XXXX terminated my service for failure to pay an alleged debt of {$66.00}. <P/>3. At some point in between XXXX 2015 and the service termination date, XXXX unilaterally raised my monthly subscription fee. I was unaware of that unilateral action, and XXXX did not obtain my agreement to it. <P/>4. Instead, XXXX continued to accept my monthly direct debit payment for the amount that we had agreed in XXXX 2015. And each month XXXX added to my alleged " debt '' the difference between what I paid and the increased subscription fee. That continued until the unpaid balance of the unpaid " debt '' reached {$66.00}, after which XXXX terminated my service and turned the " debt '' over to SW Credit Systems for collection. <P/>5. After my service termination, I contacted XXXX and learned what had happened ( i.e., the events described above ). I disputed the charge and was told that it would be investigated. I never heard back from XXXX. <P/>6. Instead, I was contacted by SW Credit Systems. I of course refused to pay, and explained to them what had happened. They filed a negative report with a credit bureau about the unpaid " debt, '' and refused to remove it when I contacted them and again explained what had happened. <P/>7. Today I again contacted XXXX and spoke to several customer service representatives, all of whom failed to make any progress in removing the negative report from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My credit report with TransUnion has been frozen since 2008 and is showing me to have a credit score with my maiden name XXXX when my credit report is pulled with married name XXXX it shows I do not exist I have emailed them proof of my identity etc and they still have n't fixed the problem they have caused me and my kids to be homeless careless sick and poor they also cost me a foreclosed home worth $ XXXX that I was gon na purchase for $ XXXX but got turned down for a change loan etc because of this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (MI).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I defaulted on promise to pay because my charge card was lost and in the process of being reissued. I notified them I will pay as soon as I get the new card in the mail. They have called me on my cell and work phone over 12 times today, even after they were notified by email to stop calling me at work. They continue to harrass me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XXXX XXXX I was contacted by XXXX XXXX and informed that my account was overdue. The account had been set up on autopay previously and there are 10 years of on time payments to show for this. I immediately paid the balance due to the technical error of the missed auto payment and XXXX XXXX removed any associated late payment fee and agreed to pull this from my credit report as it was a technical error. XXXX XXXX my credit report is reflecting a 60 day past due balance for XXXX XXXX on XXXX XXXX - which does n't add up in the first place because it does not show a 30 day past due in XXXX XXXX. In fact, when looking at the attached statements, the charges in question were from XXXX XXXX XXXX and when you look at the XXXX statement you can see the payment was applied on XXXX XXXX XXXX, the day I was contacted by XXXX XXXX that this account was overdue and realized the autopayment had not gone through. I was told by XXXX XXXX when I made this last payment on XXXX XXXX that this would be not be put on my credit report and that the late fee and interest would be removed. When I pulled my credit report in XXXX I did not see the 60 days late marked on this account for XXXX, however it has now reappeared there and my credit score which had gone back up in XXXX XXXX has now come back down again in XXXX XXXX. This is the only blemish on my credit report and is directly responsible for the 120 point decline in my credit score. Upon contacting XXXX XXXX again XXXX XXXX XXXX about this issue I was informed that my balance is actually negative, that they owe me money, and yet they are reflecting this as a delinquent account on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Debt collection (I do not know) with ERC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/28/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I could not afford my student loans when I got out of college in 2010 because I could not find a job despite applying for hundreds. When I first got into college I had grants and federal aid but had to apply for the rest through XXXX XXXX privately and got a loan at about 4 % inrerest. I did n't even know what interest was as a XXXX year old high school XXXX! As the years went on, they gave me a harder time getting student loans and by the end they were at 10, 11, 12, even 13 % interest rate!! How can anyone charge so much for an education?! It is so criminal! Navient took over my loans and I had to file for forbearance for multiple months before I finally got a job. Once I got a job, o still could n't afford my payments so I called in and they lowered them! I did n't realize it but I was paying interest only for the last two years and barely able to afford it at $ XXXX/month for only my private loans. This past XXXX my interest only payments apparently ended and they payments have gone up $ XXXX/month to now $ XXXX/month ( again only my private navient loans, I also pay federal and dept of education loans ). I have begged them to lower my interest rate so I can have a chance of even getting close to paying them off! I have called and asked them to do income drive repayment plan but I make {$48000.00} a year and apparently this is too much! However, this is before taxes and does n't take into account my mortgage, car payment, gas, lother loans, food ( which I can barely afford ). I have been with my boyfriend for 8 years and want to get married and start a family more than anything in the world but I am afraid I will never be able to due to the criminal behavior of navient and XXXX XXXX! I have tried to consolidate through other companies but thanks to the interest rates my debt has built up so quickly I do n't get approved! Other than forbearance, I still find a way to make my payments every month while I fall behind in everything else. My education should not be ruining my life like this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Debt collection (Payday loan) with First Recovery Solutions, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving calls from First Recovery. I spoke with XXXX today. Number called was XXXX. Reference number was XXXX. She knew my name, the last XXXX of my social security number, my address, my bank account, my employment. She said she was recovering a debt from a payday loan XXXX XXXX, 2011 for {$400.00} from XXXX XXXX. I have never received a payday loan nor have received any paperwork for this debt mailed to my home. She said she would put this debt in dispute. I am worried because she knew everything about me.

Company response to consumer: Untimely response
Consumer complaint received 01/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (AR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: my name at the time of this occurance was XXXX XXXX XXXX and on XXXX XXXX 2012 I typed up and hand delivered a notice to vacate my apartment before the lease term was up and listed the reasons why in this letter, and gave it to the Manager of the XXXX, chapel XXXX failed to provide a safe environment for my children and I so I gave them 30 days written notice and moved my children and myself outta that apartment complex, people in the stairwells doing and selling drugs offering them to my children when they come home, gunshots all the time I recall calling the police several times, unruly children and the list goes on and on ... the manager ignored all reports by doing nothing to prevent these things from happening. She did n't even live on the premises ... XXXX did not abide by the lease terms of providing a safe environment for tenants and they should not be coming after me for the remaining lease and ruining my credit, I had no choice but to move for the safety of my family!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, a QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT, VALIDATION OF DEBT LETTER, & TILA REQUEST was sent to Nationstar Mortgage on behalf of our client. Per RESPA law, we are required to receive written acknowledgment within a few days. On XXXX XXXX, nearly 17 days had passed with no acknowledgement. I called Nationstar and spoke with an agent who faxed me an acknowledgment letter dated for XXXX XXXX, advising their goal was that a full response to our request would be provided no later than XXXX XXXX, 2015. As we have crossed that deadline, today i called Nationstar to find out where our legally required response would be. I was advised by an agent named XXXX, that although they acknowledged receipt of the QWR verbally and in writing, and even established a time frame for this response - that Nationstar has seemingly ignored the complete request and we would have to send another to POSSIBLY get a response. As this violates RESPA and TILA protocols, we have escalated to complain through your regulatory agency, who has jurisdiction over RESPA matters.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Debt collection (Medical) with Rossman & Co & PCB (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have Medical Insurance this is from a Car Accident I communicated with hospital that they needed to charge my Insurance first XXXX Car Insurance 2 nd I done so many times never had gotten a notice of this going into Colection

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (MD).
Issue: Loan modification,collection,foreclosure

Complaint: The lender was provided the loan modification package for review XX/XX/XXXX - from XX/XX/XXXX to XX/XX/XXXX they were requesting docs to have a complete package - I was advised on XX/XX/XXXX the file was complete and would be sent for review. I received a call from the lender 3 times in XXXX and 3 times in XXXX advising the file was complete and under review and nothing was being requested for the review. On XX/XX/XXXX I requested the file be escalated to a manager for the review to be completed since it has not been at that point. We called for an update today on the review and again was advised that it is still with underwriting and a decision has yet to be made. The lender is in violation of RESPA which states a lender has 30 days to review a file once it is deemed complete for an underwriter to review it and make a decision on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief