milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Please note that all Assignments that were recorded for Property located at XXXX XXXX XXXX XXXX, XXXX XXXX notarized by XXXX XXXX need to be investigated for fraud and misuse of the Notary Certification for the Nationstar Mortgage LLC. personal gain. 

All persons who notarized the assignment has lack of capacity, authority and personal knowledge of the facts regarding the transferring of the note to the current Servicer, Nationstar Mortgage LLC/ The Assignments recorded also shows lack authenticity. Under the Consent Order with the CFPB, Nationstar Mortgage has the due diligence to make sure the consumer protection laws were adhered to. 

We requested a principal modification, principal reduction based on the assignments and Nationstar LLC has failed to honor such request and did not give us an explanation why we were denied A complaint will be filed against the Notary in the Executive Governors Office in XXXX for their errors and omission by not validating the reference document.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX XXXX, 2017, I found out that my personal data was compromised by the Equifax data breach. I tried to add a security freeze with all three agencies. I received error messages by all three - I believe because I am new to the United States and have a short credit history. However, I was able to add this freeze to XXXX and XXXX by phone. When I tried to do the same with Equifax, they provided no option to add this by phone. They requested that I mail in my social security number, name, date of birth and credit card details to a XXXX XXXX XXXX - which is highly insecure. I called the hotline for the data breach issue and was told that they are n't Equifax, they 're contractors and they ca n't provide me with a customer service number for Equifax, that I should XXXX it. I found a customer service number online that 's only active during the day Monday to Friday. My data is stolen and I have to wait three days to do something about it? 

I tried instead to add a fraud alert so that any issues could be prevented right away, and again I could n't do so online or by phone and I was requested to mail in the information - including a photocopy of my social security card! 

This is highly unprofessional and negligent of Equifax. In my opinion, I should have automatically received a security freeze at no cost - and now I 've spent three hours dealing with this, and I have no guarantee of resolution. Further, I have to risk further compromise of my data by sending in my information by mail to a XXXX XXXX , which means I ca n't send it by courier for sign on delivery. 

In sum : - They allowed my data to be stolen - They are not offering any remediation to protect from abuse or identity theft ( credit monitoring is reactive. They will tell me if something happens after the fact and I will have to invest the time in the remediation ) - They are not contactable - They are not honoring a request for a security freeze or fraud alert to be placed immediately on my account - They want me to further compromise my data by sending all of my personal identifiable information by mail to a XXXX XXXX XXXX, which eliminates the ability to send it by courier and getting a name of someone who signed for it - They do not provide the time lapse between a mail in request and when they will actually place the freeze. So if I risk sending my information by mail, there is no timeframe to resolution It 's criminal that these credit reporting companies have no oversight or governance. They have the most sensitive data of nearly everyone in the USA and they are being negligent with it. And there is no means of remediation.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: On or around XXXX XXXX, XXXX, I contacted Equifax and XXXX in regards to unauthorized inquiries on my credit report. I was advised by both bureaus that I would have to reach out to the reporting creditor and request that they submit the corrections and i could also submit documentation from the creditor validating my complaint. That same day I called XXXX XXXX XXXX  and advised them that the inquiries in question where unauthorized.XXXX did not hesitate to submit a request to the credit bureaus for correction. They also mailed me a letter to confirm they had made the necessary corrections and advised to allow up to 30-60 days or so for the corrections to be updated on the impacted credit report. Upon receiving the letters from XXXX, On, XXXX XXXX, XXXX, I submitted them to Equifax and XXXX for review and correction and I waited. On or around XXXX XXXX, XXXX, I contacted the bureaus again after not receiving any documentation or corrected copies of my dispute. I was advised that no dispute had been submitted from myself or XXXX. I advised that I faxed the information to the number given on the previous call and I included proof from XXXX. After going back and forth, I contacted XXXX again and advised of my conversation with the bureaus and how they advised that no correction had been received. XXXX ensured that they had in fact submitted the correction and assured they would submit it again. Once again they mailed me another letter confirming this process and advised that they would escalate my concern. To date neither bureau has replied. Nor have the corrections been made. This is a direct violation of my rights to have correct/factual information reported. The inquiries are listed below : XXXX XXXX XXXX/XXXX XXXX/XXXX/XXXX ( Equifax ) XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX ( Equifax ) XXXX XXXX XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax will not show my XXXX Credit card accounts. Even after providing copies of statements.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: We signed the house deed over to XXXX XXXX XXXX in XXXX 2015. The loan account is still showing open and is continuing to be reported as delinquent. We do not own this property any longer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: myself and my employer were serve to attempt to garnish my wages. i called to start a payment plan and was told i could not. instead of giving me a chance to pay off this debt they want to attack my livelihood with no regard to how it will affect me. i have paid off a previous debt with this same debt collector and have made payments on another debt i accrued during my time of unemployment. this company knows my history and i have been making attempts to pay off my debt, why the harrasment?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XX/XX/XXXX, I closed on my $ XXXX condo. Before I could refinance the mortgage, which is an 80/20 loan from Chase Bank, the housing bubble occurred. Currently, I have tried multiple times to refinance, using the terms and conditions set forth in HARP, and have been unable to do so due to to the fact that my loan is not a XXXX XXXX or XXXX XXXX backed loan. The loan belongs only to Chase. Multiple mortgage brokers have attempted, even with my circumstances meeting HARP criteria, without success. The last attempt at refinance was denied today ( XX/XX/XXXX ). I have made multiple attempts to go into Chase and talk about getting my mortgage refinanced and have simply been told that the 80/20 loan I have is a program that is no longer in effect. I am stuck with a 20 % " home equity '' loan at over 9 % interest. My 80 % loan has an ARM which is at current interest rates, but will change with the market. Chase receives my biweekly direct deposit so the ability to pay is not in question but the loan conditions and inability to refinance are. Furthermore, my credit score has been > XXXX for the last 10 years, so I am a good " risk '' to refinance, even though my loan is still upside down. 
The loan that I have was sold to me but the mortgage broker did not explain that it was an interest only loan. I have not paid off a full $ XXXX on the original purchase price due to this. I have also been advised that this my mortgage is considered a predatory loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Credit card () with CITIBANK, N.A. (NC).
Issue: Credit line increase/decrease

Complaint: I am a Citi credit card customer for more than 7 years. I made a credit line request from online account on XX/XX/2015. The request has resulted in a Hard inquiry on my credit report. The credit line increase with citi card has always been a soft inquiry for me in the past. I contacted customer service and they informed me that the online credit line increase requests are hard inquiry and the credit lime increase requests over the phone are soft inquiry. However, the website does n't mention any disclosure or notification while I was making the request. The representative asked me to fax or mail the Citi Bankcard Credit Bureau Dispute department.So, I faxed them on XX/XX/2015 explaining my case but I did n't hear back anything for more than two weeks. So, I contacted Citi customer service again as there was no way for me to contact their credit bureau department via phone. This time I asked to be connected to a supervisor. I had to explain my case all over again. After listening to my case supervisor told me that either online or over the phone it should have been a soft inquiry and the customer is always asked if it will be a hard inquiry. So, she assured me that this hard inquiry will be removed and she has escalated it to the Credit Bureau department. 
I received a letter dated XX/XX/2015 and Case no. XXXX stating they are unable to remove the inquiry from my credit bureau report but there was no explanation on why it can not be removed or why it resulted in a hard inquiry. 

Citibank should be transparent in their policies across platofrms ( i.e. phone or online ). Also, they should properly train their representatives as I got different information from thecustomer service agent and the supervisor. Lastly, they should value customer 's time as I had to call multiple times and explain my situation all over everytime.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CT).
Issue: Managing the loan or lease

Complaint: Ally financial auto loan confirmed they sent my loan information to an incorrect address. Therefore my first loan payment was late and Ally reported it to the credit bureau. I called twice to rectify this situation and was told a supervisor would call me back. Never received a call back. The general manager of XXXX XXXX called on my behalf XXXX XXXX and was told it was being taken care of and I should receive a call from Ally financial. Never received a call. Today when I called I was told it is in dispute and will take 30 days. My credit is suffering because of their mistake which they admit. This should be rectified immediately.

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 05-04-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There are several issue, experian have deleted account in good standing to ruin my credit history, rei aerated previously deleted informations, improperly shared my formatin with collection law firm which requested nformation has nothing to do with employment or extending credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (I do not know) with I.C. System, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX i get a fraud alert thru Identity guard about a collection that i do not have with this company which is I C System Inc. in amount of {$210.00} unknown what its for so i did my research thru Secretary of State in Texas and see they are not bonded in Texas and can not collect a debt in Texas i used the physical address and the pobox address and they can not be located so meaning not bonded in state of TEXAS TO COLLECT DEBT and i request this come off my credit file immediately so according to Secretary of State Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State

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 06/26/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Credit decision / Underwriting

Complaint: I bought my house in 2006 and put 25 % down. Ocwen manages the loan, andI have been in foreclosure several times. They say I can not have loss mitigation. 
The loan is now for forty years with a balloon payment. The note is worth about XXXX, the house is worth less than XXXX. They have charged so many fees. 
The first year alone I paid {$29000.00} to the company, yet I own more now. I was diagnosed and treated for XXXX, and I feel I ca n't go on like this. 
I am very scared. I have no family really, I have a great son, and my husband is mad all the time. I had a lot of friends where I used to live, I do n't know anyone here. I can not sleep or eat, and am still sick from the XXXX XXXX. I have no consumer debt. I know we all have to make our own way. My father was in the XXXX XXXX, we were stationed in XXXX and XXXX. He left me something when he passed at age XXXX when I was XXXX. He was a great father. My uncle, a XXXX, took that from me. A district judge signed off on a settlement agreement where my uncle said he would give it back, but he has n't. I want to leave something to my son, he is a good boy. I am very lonely, and would like to work more. I have never taken disability or anything, but I really really need some help. Thank you in advance for reading my words and thinking about my family. 
Take care now, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: While serving I 'm the United States XXXX I was stationed in XXXX XXXX while our XXXX was being renovated and repaired. 
We rented an apartment in XXXX, XXXX. They gave us 1 free month and I think it was if we signed a year lease. Being military we ca n't always commit to a 1 year lease. The manager who signed us up assured we do n't need to worry about it if we move early because of being military. 
Midway through our stay the apartments changed ownership or management. This turned out to be somewhat of an issue for us. The agreement we had with the previous managers was gone because of the change in management. 
During our stay at XXXX we received the news that our XXXX was completed and we would be relocating to XXXX, XXXX. I do n't know about you but we were n't going to rent an apartment I 'm XXXX when we moved XXXX. 
We let them know and we moved. 
Months later we began receiving calls from a terrible debt collection agency. They claimed we owed them for the free month we were provided. Being that I was XXXX military there was not we could do to stay there and complete our lease because of military orders. 
We provided this documentation to these very rude and unprofessional individual at the collection company. He straight up called me a liar on the phone because his " Marine friend '' look at our orders and said they were n't real. 
I have 100 % proof that immediately after moving from XXXX that we had a new place in XXXX and that I was still XXXX 3 years in XXXX, so I assure that my orders were not some false fraudulent document as the collections rep stated by calling me a liar on the phone. 

We are considering legal action as it is as this has caused me significant grief and suffering in my life as it has made it very difficult to rent or buy a home due to the bad mark not only on my credit but to also homeowners when they see we had a nonpayment for a rental.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (I do not know) with Advanced Collection Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: ADVANCED COLLECTION ACCOUNT NUMBERs : XXXX XXXX XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ADVANCED COLLECTION or any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ADVANCED COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Debt collection (Non-federal student loan) with URS Holding, LLC (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I paid off a debt I had to a college I attended, At the same time, I paid it off, I received a statement from a collection agency named Enterprise Recover Systems, XXXX, Illinois, that there was a current amount due. I explained that I paid it directly to the school and might have missed their correspondence, since I had just moved. They confirmed with the school and told me I was paid in full. I recently checked my credit report and notice I have them listed on my report and I called to discuss the matter. They claim that there is still a balance that is unpaid, I had asked them why did n't they send me any correspondence about a balance due. Instead they reported it and now it it listed on my credit report. She told me they do n't operate that way. How is it that I was professional enough to call them and address their XXXX letter and they are not professional enough to call me or send me a letter regarding a past due amount? Of which I already paid?

Company response to consumer: Closed with explanation