milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On many occasions Nationstar Mortgage has been unprofessional and disrespectful towards me. I was XXXX military and XXXX ( XX/XX/XXXX ) when they bought my loan from XXXX XXXX XXXX. I had never had any issues, was never late, my monthly payment never changed. When Nationstar took over they had been cashing my monthly payments and applying the funds to another person account that only had the same last name! On my credit report, due to their incompetence, I had negative hits for 6 months showing I was delinquent. I came home from XXXX to find my mail box full of foreclosure threats. To this day ( XX/XX/XXXX ) I still have the negative remarks because they have refused to remove them saying I should have been following up on my account even though I was in a XXXX! Once being home and making my payments to them my amount started changing and they would n't apply the money I was sending because it was short. My monthly payment increased by almost XXXX and no one could tell me why. They would never contact me telling me my funds were short and I would n't find out until the next month 's statement. I received negative hits on my credit again and again they refused to remove them. I just sold the house and the title company sent them the amount they said we owed plus 3 days of additional interest funds just to be safe. Days later Nationstar called XXXX XXXX XXXX left a voice mail stating that the funds were short XXXX. When myself and XXXX from XXXX called them they said the payoff that was sent was more than enough to cover the payoff in their system and they were unsure of the XXXX. I refused to pay the amount until I was notified of a breakdown describing what the extra charges are for. Nationstar has refused to tell me what the extra charges are. They refuse to let us talk to a supervisor. They refuse to put in writing that I wo n't be charged the extra daily interest fees that are accumulating while they 'straighten out this matter '. It is now 10 days past our closing date. Nationstar refused to apply the fund towards my account until they figure out the extra bogus amount and have now returned the payoff funds to XXXX XXXX XXXX. The following email is attached from the President of XXXX XXXX XXXX validating my complaint, an email from XXXX XXXX at XXXX XXXX XXXX showing the amounts and Nationstar 's additional fees being requested, and the payoff sent by Nationstar. All backing my complaints with them.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CT).
Issue: Settlement process and costs

Complaint: I have been approved for a Short Sale process 3 times and it was approved. The buyer walked away. I have just submitted a new offer at the agreed purchase price and now the bank is refusing to accept it.

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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. ().
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: 9 inquiry on my credit report that do not belong to me Fraudulent inquiry XXXX XXXX XXXX from XXXX XXXX ( Not mine ) XXXX XXXX XXXX XXXX ( Not mines ) XXXX XXXX XXXX XXXX ( Not mine ) XXXX XXXX XXXX ( Not mine ) XXXX XXXX XXXX XXXX ( Not mine ) XXXX XXXX XXXX XXXX ( Not mine ) XXXX XXXX XXXX XXXX Not mine Here is a list of items on my credit report that I didnt apply for that is fraudulent information on my credit report identity is being use by someone to pull my credit that I didnt authorize I have call the company and send in letters to get item removed off my credit and still these item are hurting my self and credit I have hired a lawyer to get this issue resolved and made a police report bc the company is taking there time to resolving this issue I will have to take it to the next step if I dont get these item off my credit

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 12/28/2015 about Debt collection (I do not know) with Allgate Financial, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have lived at this address for 24 years and had my telephone number as long. 

AllGate Financial , LLC of Illinois is trying to collect a debt from an person unknown to me, named XXXX (? ) XXXX. 

Per AllGate instructions, I have contacted then telling them I am not the person they seek and the calls continue, several times a week. 

My number is on the " Do Not Call list '' and I have no business relationship with AllGate Financial I wish to log a formal complaint against AllGate Financial LLC for their continuing calls, even after being advised by me that my telephone number is not affiliated with whom they are seeking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Other fee

Complaint: I ( XXXX XXXX XXXX ) tried to close my Delta Gold American Express b/c of the annual fee of {$95.00}. I stopped using the card. I called nearly half a dozen times to request closure. Amexp kept giving me the run around, trying to keep my acct open. Finally a male supervisor in XXXX said he would reverse the {$95.00} and call me to follow up within 72 hours. That was XX/XX/XXXX or XX/XX/XXXX. Never happened. 

I called again on XX/XX/XXXX, and spoke to XXXX. XXXX opened an XXXX complaint to Corporate to remove annual fee. XXXX # XXXX. This is what she told me she wrote : XXXX basic card member called on XX/XX/XXXX to cancel her card product. XXXX was outside 30d window. supervisor based in XXXX would remove annual fee and call in 72hr to confirm No call was placed and annual fee was not removed. Due to that effect it caused a late fee and finance fee. XXXX paid balance in full minus the {$95.00} based on what the supervisor told her. 

It is now XX/XX/XXXX, and Amex seems to have turned my card to collections. 

My husband XXXX XXXX is going through the exact same thing!! We tried to close his account b/c of the fee. He stopped using the card months ago. Amex tries to talk him into keeping the acct. He asks for a downgrade to a free card. None available. Amex claims that they ca n't reverse the annual fee for XX/XX/XXXX even though we have n't used the account since the fee was assessed. Moreover, we stopped using the account months before the fee was assessed. 

AMEX does this every single time. We have never experienced this with any other bank. Then Amex tries to charge late fees and interest charges based on the annual fee alone!!!!! This is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX sent certified letter with failure to respond XX/XX/XXXX sent certified letter with failure to respond XX/XX/XXXX sent certified letter with failure to respond

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (IL).
Issue: Problem with customer service

Complaint: in XX/XX/XXXX i tried to create an account with XXXX ( equifax ). the site said an email would be sent to me. none was. i called but was put on indefinite hold. i tried again in late XX/XX/XXXX to create an account. this time i received an email ( XX/XX/XXXX ) from XXXX with a link to activate my account. everytime i have clicked the link it opens a page that says " system unavailable. can not process. try again later. '' i tried calling but again was put on indefinite hold. 

it 's bad enough that equifax let hackers steal my information and then withheld that development for months. now they wo n't stand behind their promise to provide identity protection.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I had the mortgage with XXXX XXXX XXXX, I had an agreement to pay extra money each month for the late balance, they sold my mortgage to Nationstar mortgage XXXX XXXX XXXX dint pass on the agreement and Nationstar want the all late balance at once.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Other debt) with ERC (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX   2017 , I noticed th at Enhanced Recovery Corp.  was reporting a debt to all   XXXX   credit bureaus. I did n't have prior knowledge about the alleged debt. The original creditor listed is  XXXX .  XXXX  never sent me a letter informing me of an account that was being purchased/assigned to a collection agency. Additionally, ERC never sent me a dunning letter. Upon my discovery,  (   XXXX     2017  ) I sent ERC a debt validation letter. In turn , (   XXXX     2017   ) they only sent me a copy of a billing statement. This billing statement did n't even contain the addre ss of the original creditor. Furthermore, I know under the FDCPA ERC has violated my rights as a consumer by reporting an unvalidated debt.

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 08/23/2017 about Payday loan, title loan, or personal loan (Payday loan) with Kramer & Frank, P.C. (MO).
Issue: Loan payment wasn't credited to your account

Complaint: In XX/XX/XXXXI went to XXXX XXXX XXXX ( owned by XXXX XXXX ) a check cashing agency in XXXX XXXX MO to help pay my bills due to being a single mom that was getting no child support. Unfortunately, things got difficult for me financially and I ended up defaulting on this loan. I was taken to court and my pay ended up being garnished in XX/XX/XXXX. The case information for that satisfaction of Judgement with the XXXX XXXX XXXX Missouri Courts is as follows : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX. It states clearly that I paid it in full as a Satisfaction of Judgement is clearly indicated on the files that can be viewed by the public on Missouri Case.net I have also enclosed screen shots of this with this complaint. The satisfaction of judgement was entered on XX/XX/XXXX by : XXXX XXXX XXXX XXXX On Behalf Of : XXXX XXXX XXXX. I received a letter today, XX/XX/XXXX, from XXXX XXXX XXXX, XXXX. a law firm that does debt collecting ( XXXX ) XXXX referencing Circuit Court case # XXXX stating my bank account and wages will be garnished for this very same debt that I already paid for. They want {$3700.00} for a loan that was only {$500.00}. They have already garnished my bank account. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX TN : XXXX Fax : XXXX email : XXXX New Court Case E # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (Credit card) with Machol & Johannes, LLC (NM).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: 1. In addition to not receiving notice of right to dispute, 2. The law firm Machol & Johannes LLC is repeatedly submitting legally insufficient filings to the Defendant ( s ) they serve 'Complaint For Money Due. ' For example, in order for the 'Complaint for Money Due ' to be legally sufficient their filings fail to comply with Rule XXXX ( XXXX ). Machol & Johannes LLC did not attach alleged contract to the complaint, as required by New Mexico law, nor did they serve the alleged contract with the complaint. Therefore, it is legally insufficient if the 'Complaint for Money Due ' does not have the alleged contract attached. They MUST be served together to be legally sufficient. Machol & Johannes LLC does not comply with Rule XXXX ( XXXX ). They do not attach the alleged contract to the 'Complaint for Money Due ' that results in their improperly serving Defendants. 
3. Machol & Johannes did not prove ownership that it is the holder in due course thru chain of title, as also required by law. 
4. Instead, Machol & Johannes attached their XXXX Offer Form to make payment arrangements to 'Complaint for Money Due ' that was served to defendant instead of the legally required alleged contract. This is a deceitful business practice and an attempt by Machol & Johannes to make their payment form appear like a 'legal ' document. This is shameful that the New Mexico courts, do not carefully review how Machol & Johannes are serving defendants. 
5. Machol & Johannes take advantage of Defendants who are not represented by attorney because they assume Defendants do not know the laws and or court rules. 
6. Machol & Johannes attorney, XXXX, continued to send me excessive emails after I notified her not to contact me via email due to security/privacy issues. XXXX ignored numerous emails to discontinue communication via email and to continue to contact me by regular mail instead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was serviced by Residential Credit Solutions. I tried to work with them, including having the city foreclosure prevention office contact them while I was in the office. The city 's representative spoke to the same person I dealt with, and offered a {$10000.00} good faith payment with the request to help me modify my loan. The woman flat-out refused, and when I called her shortly afterward, she first denied having spoken to anyone, then said she had spoken to someone, but that no offer of money had been made ( I was sitting next to the man when he called her ; I did n't tell her that ). The loan was transferred so many times, the original loan documents were lost. The lender filed an Affidavit of Lost Documents with the court, which is how I found out. I went to my foreclosure hearing and brought up the lost documents to the judge, XXXX XXXX. His response : " They 'll find them. '' He signed the foreclosure order promptly. I continued to try to work with them, even finding a company who tried to negotiate with them with me on the conference call. The Residential Credit Solutions representative was very friendly, very nice, and said he would work with us to have the foreclosure order cancelled. Not long after, I learned that my house was being sold in a week, and it was. 
I tried before, during, and after the foreclosure right up until the house was sold to get anyone to help. I came across this site today just making another query to be certain I had exhausted all my options. My issues are : 1 ) the company did not operate in good faith when they refused the offer of money to partially cure the outstanding payments ; 2 ) the company similarly did not show good faith when an offer to cancel the foreclosure order was made to me and I was lead to believe they were working with me, when all they were doing was stalling until the sale ; 3 ) the original loan documents were never produced, although someone signed an affidavit stating he/she " personally '' was involved in the sale ( which was not possible since the loan had been sold and transferred long after the sale ). 
When I read about the order for penalties against Residential Credit Solutions, I was hopeful there would be some recourse for me. Losing a home is traumatic, but losing XXXX due to someone 's unscrupulous, unethical, and deceitful practice makes it that much worse.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Application, originator, mortgage broker

Complaint: We have been patrons of citibank for decades. We had applied for a XXXX XXXX to refinance our home. When I happened to be at Citibank for another reason, I mentioned that we were getting a loan from XXXX and the loan representative at Citi was called in. He sat down and said we can offer you a better deal. We will match the interest rate and eliminate most of the closing costs since you are a preferred, long time customer. 
I asked how difficult it would be to do this, because XXXX was simple and did n't require reams of documentation. I was told we would need to supply tax statements, and pay stubs, and that was pretty much it. We started this in XX/XX/XXXX. We continued to supply documents until XX/XX/XXXX and then were turned down because of the debt to income ratio. Those very facts were available in the paystubs and taxes we supplied on day one! 
They appraised our home, which we were charged for, and it appraised positively. I feel like we were conned. Our time was wasted and we abandoned a loan that was about to happen. This took place in a branch in XXXX XXXX, where we live.

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 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Someone took out a fraudulent student loan in my name with XXXX XXXX University through Navient and both XXXX XXXX University and Navient have refused to help me, even though I submitted police report and fraud affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (MI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Payment plan was set-up online thru Receivables Performance Management on XX/XX/XXXX and the first payment of {$59.00} was made by XXXX CC.
XX/XX/XXXX- 4 phone calls, XXXX XXXX,XXXX XXXX, XXXX XXXX, XXXX XXXX ( not a typo, back to back phone calls ) XX/XX/XXXX- 4  phone calls, XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX  XX/XX/XXXX - 3 phone calls, XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX- 2 phone calls,XXXX XXXX, XXXX XXXX XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX- 4 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX- 1 phone call,XXXX XXXX XX/XX/XXXX- 3 phone calls, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX- 2 phone calls,XXXX XXXX, XXXX XXXX XX/XX/XXXX- XXXX XXXX, XXXX XXXX- answered this call, had to verify my name and address, didnt tell me who he was, was then transferred to a gentleman who asked what he could help me with, I said I didnt know as they called me and I had no idea who he was or what company he was with, he said he would get me to a department that could help, I waited 5 minutes and got no answer then hung up.
XX/XX/XXXX- XXXX XXXX, answered call and advised her that payments had been set-up online and she verified that she saw that and that payments were for {$35.00} XX/XX/XXXX- XXXX XXXX, Answered call and advised that I already talked to someone the day before and that payments were being made and that they were not to contact me again. She said she was noting my file and verified that they did not have the right to contact me again, to which I replied " correct. '' XX/XX/XXXX- XXXX XXXX, XXXX XXXX- Answered call, and advised that this was the 3rd time I have told someone that the debt has been taken care of and they were not allowed to contact me anymore.

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 03/24/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (WA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Portfolio Recovery does not disclose who is calling or why. Only after looking the phone number up online did I discover that they were a collection agency. 

They are also trying to collect on debt that is past its statute of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-07-2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I return their call about being past due and they did give me offer if I paid one payment now they would wave two payments off my bill making me one payment behind I told them I 'm not working at the moment and there 's no way I can afford this car and was scheduled at that time to be sent for repo I gave them my current address and so they called again the next day I told them again nicely that I do n't have a job I need to pick up a repo gave them my current address and then we 're getting calls from my in-laws that they 're calling them asking for me and telling them what about the car xcetera and they have my phone number my current address but anyway it goes on the next day they call me again I answered this time I get a mad and and ask them why they 're not communicating with each other and their own company give them all the same information again then literally the next day they call again and this time I 'm nice again and I told the guy about how they 're calling my mother-in-law and calling me everyday after it 's already been for repossession stop harassing me that worked for about 2 days and now my mother-in-law calls me again n well she 's XXXX XXXX I 'm really not her business about this repossession and she does not need to be harassed expecially when is already given my current address they have my phone number and they are in contact with me and I 'm just waiting on the tow truck driver to call me and say hey meet me out and give me the key I really want this harassment to stop I am currently unemployed I owe lots of bills I 'm fully aware of my obligations financially but at this moment in time I am on food stamps and government assistance looking for work my wife and I both

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Student loan (Federal student loan servicing) with LOAN TO LEARN (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: It shows a past due in the amount of {$54000.00} on my credit report with no payments being made. I am current on my account and making monthly payments of {$55.00} each month.

Company response to consumer: Closed with explanation