milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage with XXXX. It was sold or transferred over to Nationstar. I have become past due almost three months which I hope to be able to catch up in the next 60 days because I quit my part time job to be able to cash out my XXXX so that I do n't get much further behind. I am behind on everything. Nationstar has been calling me everyday sometimes twice a day but I have not returned their calls. I received an email from them on Wednesday about a possible home loan modification assistance program. I called them finally to let them know what my situation was. I was advised to fill out the packet and return it ASAP so that I can get some type of assistance as I transition. Currently, I am looking for XXXX new jobs with the hopes of being able to earn more money so that I do n't have to file bankruptcy. I faxed and emailed the documents. The representative I spoke with on Wednesday said to call back every 4 days to make sure they have all they needed. I called XXXX times today to check to make sure they have the forms. I could n't get not XXXX person to answer the phone after making XXXX calls. I called the following numbers : XXXX ( 6 times ) and XXXX ( XXXX time ). Both numbers were listed in the email I received on Wednesday. Half the times the phone rang and stopped, then it never even rang, then it did ring a XXXX times and no one picked up, then finally I got the automated message that this was their " busy '' season and to go on their website. How are these people supposed to help me save my home if I cant even reach them? I think this is all a rouse. A ploy to make it look like they are helping poor consumers such as myself so that they can take my house from under me making it appear as if I did n't submit forms or try to help myself. I do NOT want to lose my home! I am doing everything I can humanly possible to get assistance but I cant even reach these people so what am I supposed to do? I am frustrated and afraid and scared and just want help. XXXX would not offer me any assistance when I contacted them on numerous occasions about trying to lower my mortgage payment. And now I have to deal with a company that I cant even get to come to the phone?! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Medical debt) with Bull City Financial Solutions, Inc (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company have send collection to my credit report not once but the same account three times as  well as others collections by BULLCITY FINANCIAL SOL send I am not liable for collection of debt from BULLCITY FINANCIAL SOL. I am not responsible for this debt. I have sent disputes to the credit bureaus with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Credit decision / Underwriting

Complaint: Select Portfolio Processing has been requested to complete a subordination agreement by XXXX. The first request was made around XXXX XXXX. To date, XXXX XXXX, the request has not been completed, after almost 60 days. Additionally, there is no timeline for completion. I was told today that some requests take 6 months.

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 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are two accounts one is XXXX and the other is us bank. Several years ago I was a additional signer on the account with my mother XXXX XXXX. I was taken off of both accounts and it still is shows on my credit report. 
US BANK XXXX Revolving XXXX/XXXX  XXXX

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
Consumer complaint received 08/27/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage has been transferred to GreenTree Mortgage dba XXXX. I have requested a modification due to my current health issues. While in the process of requesting a modification, I also requested several legal documents from them such as my Mortgage Note, and copy of my security deed, and past 3 yrs mortgage history. I requested these documents 30-45 days ago, but never received any of them. The payoff balanced that was quoted to me was {$42000.00} more than what I originally started with the mortgage. I did not understand how the principle balance increased so high. In addition, I asked the name of my current investors or who really owns my mortgage, but was given vague and erroneous information. There are so many discrepancies with my loan. My original loan was with XXXX and then transferred to at least XXXX different servicing companys. Please help me, I do not want to lose my home, or taken advantage of. I am XXXX years old and very afraid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Payday loan () with Big Picture Loans, LLC (NV).
Issue: Charged fees or interest I didn't expect

Complaint: Deducted payments from my bank account and did not credit my account. I paid over XXXX for a XXXX loan and nothing was applied to my balance. 

They have also called me and my employer and threatened imprisonment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On my Equifax Credit Report, a Chapter XXXXBankruptcy shows active eff XX/XX/XXXX but also Dismissed/Closed. I have supplied documentation of a CERTIFIED COURT APPOINTED GUARDIANSHIP eff XX/XX/XXXX. I have advised the Bureau that under the Guardianship I was advised I am NOT able to engage into any contracts NOT even to obtain an Attorney, in which a Bankruptcy would need. I know this for a fact since I was a victim of Id Theft in under this same time frame and attempted to hire an attorney and the County Clerk advise the Attorney at the time that I was not able to hire any Attorney due to the Court Order for the Guardianship at that time. I have been obtain legal information stating that under the Guardianship an individual is protected under the Laws and all contract are null and void. If this is the case, why am I being told by Equifax that the Chapter XXXX Bankruptcy must remain on my Credit Report for 10 YEARS? I have supplied all supporting documentation and I feel as though this is damaging information for an individual to have remain on a credit report if the Courts Dismissed and Closed the whole case with XXXX ( {$0.00} ) amount claimed. There no longer is a Guardianship since it was release through the court in XX/XX/XXXX. I am asking for a CLEAR picture of a true and accurate report and reflected credit score. I am asking for assistance with the reconsideration and removal of this damaging derogatory information from my credit report. If a Guardianship is there to protect an individual why is this not being honored. I believe that since it has already been 7 yrs too long and it definitely should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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: Two hard inquiries have shown up on my Equifax report from XXXX XXXX ( XXXX/XXXX/XXXX ) and XXXX ( XXXX/XXXX/XXXX ). Attempts to contact Equifax have been futile. 
A rep from XXXX XXXX said they would resolve the issue, but it has escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed a couple of accounts that are a result of identity theft. Some off it was removed from my credit report but there are a couple remaining items to be handled. My complaint is that this credit bureau is n't taking my case serious. I need this stuff removed b/c I 'm trying to rebuild the damage that was done. Went to XXXX and followed the steps. Please see documents. Thank you XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-05-2017 about Debt collection (I do not know) with Receivables Performance Management, LLC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep receiving multiple calls a day from the same company, they continue to call and call and call and most times they just hang the phone up. The last person I spoke to said that he did n't care they could call as many times a day as they want to. It has gotten to the point in which it seems they are doing this purposively in an attempt to harass me into paying them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Student loan (Federal student loan servicing) with GRANITE STATE MANAGEMENT & RESOURCES (WA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Right now I 'm paying what I can but its not nearly enough to cover the past due balance, let alone the monthly minimum. 

After having to declare bankruptcy in 2011, my credit had improved to XXXX. 

When GSMR reported me 120 days past due, it dropped overnight to XXXX. Among other things, that affects my ability to qualify for employment. But I think the damage is already done. 


With regards to my account. The principal balance is $ XXXX. Unpaid interest is another $ XXXX. 

Outstanding balance is {$130000.00} Interest rate is 7.375 %. 

Past due amount is {$6100.00}. 

This does n't even include the private loans. 



My wife has student loan debt of her own around {$90000.00} with an interest rate north of 6 %. Our combined incomes lead the loan servicers to believe we can afford XXXX minimum monthly payments. This is simply not true. As her credit is better, we pay her loan payments in full to preserve her credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called all three credit bureaus, XXXX, XXXX, and TransUnion to inform them of the unauthorized credit inquiries, after several attempts they would not remove them.
Unathorized Inquiries and Dates of Inquiries 1. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 2. ) XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX 3. ) XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX 4. ) XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX  5. ) XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 6. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 7. ) XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX 8. ) XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX

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 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: There are numerous addresses and employers that are incorrect on my report. I have asked that they be removed so that all of my credit reports match. I have sent in  two letters, one fax, an d called once and nothing has been changed.     The only address that should appear :   XXXX   XXXX   XXXX   XXXX  , Ky  XXXX  The only Employer that should be listed is :   XXXX   XXXX

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
Consumer complaint received 03/31/2015 about Debt collection (I do not know) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2018 about Checking or savings account (Checking account) with WEBSTER BANK, NATIONAL ASSOCIATION (CT).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: account owner XXXX XX/XX/XXXX social security deposit made XX/XX/XXXX bank notification only the deposit being reversed -- no notification from social security admin directly. XX/XX/XXXX withdrawl for XXXX listed on statement as " partial pay to treas '' XXXX reflects no credit ever made being taxed on full amount. Contacted bank was advised payment being held until full amount received, refusal to credit partial or return to fiduciary the reason given was that they can not be sure payment will be made.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Barclay Credit Card Company charge me a {$37.00} late fee even though they received the payment on the due date. The payment was sent by my bank through electronic banking on XX/XX/XXXX it was due on XX/XX/XXXX and the Barclay Credit Card Company representative informed me they need an extra 24 to 48 hours to process a payment and that even though it was sieved on the XX/XX/XXXX there's still a late fee because they have not had time to process it. They review the account and confirmed they had received it on due date and said they would waive and reverse the {$37.00} late fee on the next bill, due to that fact ... then I was a week later receiving this letter stating that they improperly reported it to the credit bureau and lowered my credit standing along with my credit line. 
I have never missed a payment with them, payment has always been made on time on the due date for several years since I've had the card. They are now charging customers late fees even if they received the payment on the same day.

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 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: To whom i t may concer ns, I am writing regarding a few accounts that have been on my credit report with Experian for more than 7 years. I have contacted Experian many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but Experian has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Experian and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against Experian because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance. Here is the list of all the accounts :  XXXX   XXXX  : Account #  XXXX   XXXX   XXXX  : Account #  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX   XXXX   XXXX   XXXX   XXXX   :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SD  XXXX    XXXX   XXXX   XXXX   (   XXXX   XXXX   NEVADA ).     I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  RENTAL HISTORY REPORTS ON SITE MANAGER  XXXX   XXXX   XXXX   XXXX   XXXX  Thank you

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 09/14/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: in 2013 BOA sent us this notice : 1 ) They sold our mortgage to, and they obtained payment from FHA.2 ) FHA sold our loan to XXXX 3 ) as a result, our loan was transferred to XXXX . Now BOA is pushing hard to take our house and auction it. How can BOA sale our house if XXXX currently owns the loan? Should n't they help us keep our house? Of course greed always take over compassion ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 09/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX after putting my complaint referring to this account, which in different occasion, expressed that did not belong to me, Pinnacle Credit Service LLC sent me a correspondence signed by an executive named XXXX XXXX ( complience division ) Which determinated that after an internal investigation, had decided to removed it from their systems whithout basis or livelihoods to keep it in my reports, according to clearly stated the letter, he asked the XXXX major bureaus remove the same, today XX/XX/XXXX, checking my information at XXXX I find the account again in question, which appears paid off completely, never made any payment since they do not recognize this debt as mine, I made the correct procedures under my rights validation according to the FDCPA 15 USC 1692 Sec 809, whithout ever receiving a response from the company, is illegal under FCRA force report unverifiable and inaccurate consumer data, if determinated to give it as paid, it was an action itself Pinnacle Credit Service LLC as I said not paid off this I note that is not mine, remove this information inmediately from my credit reports, first case with CFPB XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian have not removed a debt that is over 7 years old. The dispute is that XXXX ( XXXX ) purchased a bad debt of mine from XXXX XXXX. XXXX XXXX reports the XXXX date of delinquency never brought current as of XX/XX/XXXX and XXXX ( XXXX XXXX reports it as of XX/XX/XXXX. Also, these XXXX agencies have not removed XXXX XXXX ( XXXX ) that purchased a debt from XXXX XXXX that the XXXX late payment never brought current as XX/XX/XXXX. I have disputed these items online with Experian and by mail and waited over 30 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Consumer Loan (Vehicle loan) with MERCEDES BENZ FINANCIAL SERVICES (CA).
Issue: Managing the loan or lease

Complaint: Mercedes-Benz Financial will not provide a lien release. On XXXX XXXX I purchase a used vehicle from XXXX XXXX that had a lease balance of {$42000.00}. I got a loan from the XXXX XXXX XXXX XXXX for {$30000.00} and paid cash of {$12000.00}. The XXXX made their check payable to me and to XXXX XXXX, and we were instructed to endorse the back and forward it to Mercedes-Benz Financial along with my cashier 's check for {$12000.00}. Mercedes confirms receiving the funds, posting date XXXX XXXX, XXXX. 
My DMV registration is incomplete because I did n't get the lien release from XXXX XXXX Co. I contacted Mercedes-Benz on XXXX XXXX, XXXX, and was told that they did receive the payoff funds but it had not been applied to the Lease payoff, and that XXXX XXXX would receive the release in about a week. Today, XXXX XXXX, Mercedes-Benz Financial Services says that they applied the {$12000.00} check to XXXX XXXX account, but that they will be sending back the {$30000.00} check to XXXX XXXX in 30 days because the payee is n't correct. However, they accepted the funds and have had benefit of them since XXXX XXXX. Needless to say, I have begun making monthly payments on the XXXX XXXX XXXX. loan. Also, If they send the funds back to XXXX Fed now who knows where it will get applied. If it pays off my new auto loan, I may not be able to get a new loan with the same terms. I want Mercedes-Benz to keep the funds that they have acknowledged depositing and release the lien. Currently, this vehicle has a loan and a lease concurrently. Also, if they feel that there was a problem with the check from XXXX XXXX it should not take 90 days to decide this. If I would have know, I could have gone back to the Credit Union and asked them to change the payee.

Company response to consumer: Closed with explanation