milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Settlement process and costs

Complaint: We submitted a short sale request to XXXX and the short sale was approved on XXXX/XXXX/2016. The approval was good until XXXX/XXXX/2016 but we were told to close by XXXX/XXXX/2016 ( a Sunday ) or the loan would be service transferred. We submitted the recorded documents to XXXX on Monday XX/XX/XXXX2016 as is required and was told that the loan had been serviced transferred on Tuesday XXXX/XXXX/2016 AFTER XXXX had received the funds and the recording documents. The representative let us know that they had sent the short sale funds as well as all related documents to Nationstar. ( Final XXXX & XXXX XXXX Deed attached ) We contacted Nationstar and was told that we would have to wait until the loan had been " boarded '' before they could let us know the disposition. In the meantime, I had moved out of my property on XXXX XXXX, 2016 as required by the purchase contract. 
Nationstar has received the short sale funds and my realtor has been in contact with them and has sent them every document that they have requested. On XXXX XXXX, 2016 we received an approval letter from Nationstar with a request to have additional paperwork signed and notarized. ( attached ) These documents were immediately sent back to Nationstar that afternoon. 

As of yesterday my Realtor was told that the file was in the closing department and we should have word that day. 
My Realtor has been calling and emailing all day and there has been no response from Nationstar. 

The transaction closed on XX/XX/XXXX,2016 and XXXX service transferred this loan even though they were aware that we were closing. Nationstar has in its possession the short sale agreement, the recording documents and the money. This is unfair! I am living in a motel because I ca n't move forward until this transaction is finished. I need help with Nationstar, they gave their short sale approval but are making us wait for a transaction completion letter. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sen t 2 certified letters to each reporting credit bureau agency  XXXX , Transunion, and  XXXX  on 2 s eparate occasions to dispute an inaccurate  Public Record  being reported on my credit report. I have been totally unsuccessful in having this inaccurate  Public Record i nformation removed from my reports. Every written/certified request to have the item removed comes back with the explanation the item has been verified and/or verified as accurate. If this is the case, why not supply me with the proof as requested in my letters? Because they can not. I feel my RIGHTS as a consumer have been Violated. This inaccurate  Public Record is makin g it difficult for me to obtain the proper credit, decent interest rates, approval for housing, etc ... As a consumer, I have the right to have my credit report accurate information without error. I am asking for your assistance to have  this Public Record r emoved from all  XXXX  of the credit bureau reporting agencies.

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 04-01-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The attached updated credit bureau from Equifax is invalid, as the collection agency responded to Equifax that the account was in fact mine. I have attached a copy of my Chapter XXXX bankruptcy release of all creditors, and the company known as XXXX XXXX XXXX is aware of this release. The collection agency is in violation of their subscriber agreement with Equifax. My rights under the Fair Debt Collection Practices Act is in violation as no official assignment was ever processed or procured with the United States Bankruptcy Court. In essence, Equifax has no other recourse but to officially delete the attached account, and the collection agency must purge any information on against me personally and all pertinent information to the account in general.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: According to the Credit Reports I have an open Mortgage Account with your company. OCWEN At one time I had a XXXX and XXXX Mortgage with GMAC Mortgage. It was for a property at XXXX XXXX XXXX XXXX VA XXXX. That property was sold XX/XX/XXXX and all notes paid off. The HELOC was paid off XX/XX/XXXX. While the XXXX Mortgage was report as paid off and the XXXX was apparently not. 
Since GMAC went under and your company bought the what was left, I now have an open Mortgage listed with your company. 
After everything was paid off, I no longer have the original documents with account numbers

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (WA).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: Balance transfer XX/XX/XXXX completed and the promotional 0 % interest was good through XX/XX/XXXX. I had purchases on the XX/XX/XXXX statement as well and my balance was XXXX including the transfer fee. I paid XXXX on XX/XX/XXXX bringing the balance to XXXX on the XX/XX/XXXX statement. That payment was fully put toward the balance subject to interest. At this point the balance was all 0 % promotional. From XX/XX/XXXX through XX/XX/XXXX I paid XXXX bringing the balance to XXXX. 

In XX/XX/XXXX I made a large purchase on XX/XX/XXXX ( XXXX ). I made a XXXX payment on XX/XX/XXXX. Barclay MasterCard began putting all money paid toward the purchase ( higher interest ). I also made a payment of XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. I was making large enough payments to pay off the promotion on time. In XX/XX/XXXX I realized what was happening and I contacted Barclay. 

They advised they do not put any of the payment toward the promotion and only apply it to the highest interest even though I wanted them to apply it toward the promotion. I was frustrated but not given any options. 

A few days ago as I was reviewing my payments and how they were applied I noticed the promotion/balance transfer amount never went down since XX/XX/XXXX of last year and in fact now has a higher balance. I read that the changes in how payments are applied that occurred in XX/XX/XXXX state creditors must apply the payment to the balance with the highest interest rate first. I also read that the consumer can choose to have the extra payments beyond the minium due applied to a promotion balance. I was never given that choice. I paid more than enough to cover the total XXXX minimum payment due at the point of my XX/XX/XXXX payment. 

I called again Sunday XX/XX/XXXX to ask about that balance transfer/promotion. I was unable to get clear answers from that associate and requested a supervisor. After waiting 15-20 minutes the associate came back on the line and said a supervisor would call me within 24-48 hours. I advised I was concerned that would not happen and I wanted to resolve this issue. 

I did not receive a return call within the 24-48 hour timeframe. I think that company avoided payment on the promotion amount to push it into accruing interest with the purchase balance I made in XX/XX/XXXX. I want to dispute the action they took and believe they should have to go back and correct it. I decided to make a complaint as I was unable to resolve it with Barclay. Ihope to get some help and answers about this issue.

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 12/30/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with M&T BANK CORPORATION (PA).
Issue: Struggling to pay mortgage

Complaint: I am writing concerning my below. I am retired with one income. I had everything ok until the past few months. I made a complaint but M & T used my ex-husband 's account. The employees do n't know what is going on with my account and I have tried everything to get answers to no avail. I have applied 4 different times for repayment assistance and have heard nothing back. I need help and ca n't lose my home. Someone needs to investigate M & T because they are awful and are incompetent. Please help me I do n't know what to do. M & T keeps mixing up the two accounts and I feel I have done everything to fix this. I feel they owe me to fix this. I feel my account should be caught up to date without any negative affect on my credit. M & T should write off my past due and clear my account back to up to date and good credit rating. Thank you, XXXX my account number is # XXXX. Home equity Please make sure M & T gets it right

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 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I was billed for items I never received. I was charged late fees and finance charges for them. I have been disputing this constantly with the company since XXXX.2015. I have filed an FTC complaint as it is illegal.

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 10/18/2016 about Consumer Loan (Vehicle loan) with TCF NATIONAL BANK (OH).
Issue: Problems when you are unable to pay

Complaint: My loan was 33 days past due and I was threatened. I have the saved voice mails as examples.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (Credit card) with Pinnacle Credit Services, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got a letter in the mail started that I have an outstanding balance for XXXX XXXX in the amount of {$3800.00} that I do n't even know about, I currently have an account with XXXX XXXX at this time in good stand

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 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX/XXXX/17 I disputed information about collection account to not be responsible for to Equifax. 30 days have passed and Equifax stated they have n't got a response from collection agency but they are still kept the collection on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I received a copy of my credit report and I have noticed that fed loan servicing, and dept of ed/navient is still reporting on my credit report. XXXX has deleted these accounts It is your responsibility to report accurate information on my credit report. Therefore, I am requesting that you delete the following accounts immediately. These items must be removed from my account to show my true and accurate credit history! In pursuant to the Fair credit reporting act. I expect you to delete these account within the next 30 days, or I will submit this to my local attorneys general office and the FTC! I have attached proof of deletions.

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 01/26/2017 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (OH).
Issue: Managing the loan or lease

Complaint: Making payments on time, and website is not updated to show payments are being processed or applied to the loan. Loan website is indicating payment due as being XXXX. Also showing no payments being made since XXXX XXXX, 2016. This is not the case. Last payment was made on time in XXXX of 2016. Since the website indicated XXXX due in XXXX, I assumed my estranged wife made the XXXX payment ( who is also tied to this loan ). I fear that the balance due is incorrect and my credit reports are suffering as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with Commonwealth Financial Systems, Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The credit agency that has been trying to collect from me for over 6 years has stated that the debt was reported on a more current date which is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit score has always been maintained above XXXX and I have absolutely no delinquent obligations or credit. Over the last 3 months ( XX/XX/XXXX-XX/XX/XXXX ) my score has dropped substantially ( presently XXXX ) citing reasons of serious delinquency, level of delinquency, recent delinquency, too many accounts opened and too many recent inquiries. ALL OF THIS IS ABSOLUTELY FALSE. Whatever this is its either fraud, a mistake or false reporting!!

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 04-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: ProCollect DID NOT and NEVER informed me that I owed a debt or that I had a right to dispute the debt. I contacted ProCollect on XXXX, 2017 and paid them {$1800.00} ( which include a fee that they charged ). Yesterday on XXXX/2017 I checked my credit report and ProCollect has reported an open collection account and caused my score to drop XXXX points! When I contacted them today the person who took my call initially was very rude and condescending telling me that I " should have paid the debt in the first place. '' Then I spoke with " XXXX '' who admittedly stated that he had never tried to get in touch with me prior to me calling him and paying the {$1800.00}.

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 10/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I use this card for 0 % balance transfers, not purchases. There was already XXXX balance transfer offer in which I was participating, and it expires XXXX XXXX. I then participated in another balance transfer offer which expires XXXX XXXX. Every month I sent in my payment, my assumption was that the payment would automatically be applied to the promotion that ended first, i.e., XXXX XXXX. When I was reviewing my account and noticed that the promotion that expired in XXXX XXXX did n't have the entire payment amount deducted, I contacted Citibank, and a supervisor said it was Citibank 's " policy '' to divide the monthly payment between XXXX or more promotions, and if a payment was sent was over the minimum payment, the difference would be applied to the promotion that ends first. None of this was explained to me at the time I enrolled in the second promo except to say that promotions with the highest interest would be paid first, but both of these promotions are 0 %.

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 09-10-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Balance transfer

Complaint: We applied online through Chase Slate for a " full '' balance transfer. We wanted to transfer our XXXX XXXX balance of {$45000.00} with a higher interest rate to Chase Slate. We got a letter in the mail saying that we were approved for {$3400.00}. At this time I called Chase Slate and said if you ca n't transfer the full amount of $ XXXX then I do n't want any transfer. They ignored that request and opened up the credit card account anyway, transferred {$3400.00} to XXXX XXXX and sent us a bill with a balance due of {$3400.00}. When we called them and asked them why they did this they did not have an answer. They said sorry. Completely unacceptable. We wanted only XXXX credit card with XXXX balance at the lowest interest rate we could get. If Chase Slate was not okay approving us for the full balance transfer that is fine. They should have stopped the process and let us know. At which point we would have said thank you very much we do n't want your credit card at all. Instead they just opened up an account for us with a balance that was not requested.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: received notice from collection agency that I owed over XXXX to a credit card from XXXX which I do not have I have never been in a XXXX. This was through XXXX Bank and done of XXXX XXXX. I had just opened an account at XXXX store in XXXX XXXX through XXXX Bank and one month later I receive a letter from Portfolio collection It was sent to XXXX XXXX My name is XXXX XXXX. He or she also had my social number and birthdate. This is not me who did this. My credit is excellent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage Services bought my mortgage from XXXX XXXX XXXX in XXXX 2015. Since then I have had nothing but trouble : I waited until almost XX/XX/XXXX to get any information on my account, they did n't honor my escrow decrease from XXXX XXXX XXXX, their escrow calculation resulted in a large jump in monthly payments which I requested to have spread over XXXX months and the representative never submitted my request. If I was n't so vigilant about my mortgage I could get really screwed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I reported to   XXXX   an error on my report that knew nothing about. The dispute confirmation number provided to me was  XXXX . I requested that  XXXX  to provide me with the original application so I can verify that I am associated with this balance amount. I never received anything that I requested but received a report that the account has been verified. I ca n't get  XXXX  to provide me what they used to verify that this account was mine. It 's my position that this account does not belong to me and since  XXXX  has not provided me with validation - original application for product/services with my SSN or signature, this collection placed on my record should be removed.

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 10-03-2017 about Debt collection (Credit card debt) with JH Portfolio Debt Equities, LLC (MO).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: about 6 months ago I was put on social security XXXX for advancing XXXX . 
I have been contacted by Credit Control LLC in XXXX MO ( their client is resurgent who I have never received anything from ) and I explained to them in writing my health issue and my income is much lower, they want me to send them social security information, and medical information, XXXX home info, I am willing to send them my XXXX payment statement ( I will not put my social security number on it though ) And I will not send them medical, my doctor said he would write a message to them, but he does not want to be contacted by them. 
Nor do I want him contacted to verify anything more this is my private health info and I do not want them contacting Social Security to verify. Is this legal what they are doing?

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 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: when I took look at my credit report I notice some Hard Inquiry that I know I did not give permission to run. I look at all of the majors credit agency each one is showing something different. with these hard inquiry cause my credit score to drop. I would like these hard inquiry to be correct and remove. from all three credit agency. 

This is list of all the Hard inquiry. 
XXXX. XXXX XXXX XXXXXXXX DATE : XX/XX/XXXX 2. XXXX XXXX -- -- -- DATE XX/XX/XXXX 3.XXXX XXXX XXXX -- -- -- - DATE .... XX/XX/XXXX 4.XXXX XXXX XXXX. -- XXXX DATE XX/XX/XXXX 5.XXXX XXXX XXXX  DATE XX/XX/XXXX.

Company response to consumer: Closed with explanation