milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/30/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AL).
Issue: Loan modification,collection,foreclosure

Complaint: I have my home financed with Nationstar Mortgage, I am going thru a divorce my wife was awarded the house in the settlement however I had to maintain payments until the divorce was final. I have maintained my payments thru XXXX XXXX after divorce was final my wife was to take responsibility as of XXXX XXXX I have receipts to prove that I am current thru XXXX XXXX XXXX XXXX. My finance co filed foreclosure on my house stating that I have n't pay'ed payment since XXXX XXXX which is not true. My payments were late due to XXXX from military and going thru a divorce the past year however I still managed to pay my note as of to date have my payment current. I did not pay XXXX payment because my ex-wife was awarded the house in XXXX XXXX she was to pay XXXX payment and get the house refinanced in her name. So basically my complaint is that Nationstar wrongfully started foreclosure proceeding in XXXX XXXX when my payment was current and due for the same month that they put my house into foreclosure. the

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX XXXX has been attempting to collect a debt which I do not owe. They have damaged my credit with charges which I did not incur. They are alleging that I owe {$6200.00} for a phone bill.This is outrageous and impossible as I have never spent more than {$100.00} on a cell phone bill. I contacted them and told them that I was a victim of identity theft and sent them a police report, but they never took the charges off. I have been very distressed as a result of this matter. This is not my debt and I do not owe them. I am a victim of identity theft and this is not my debt.

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 11/19/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (NH).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: My sister is a student and has bad credit so she asked my wife and I to co-sign on her loan. My wife applied and was rejected. I then tried ( my income is much higher ) and I was rejected. I called to ask how this was possible ( I have a high salary and an XXXX XXXX score ). Sallie Mae explained that it was a hard rejection because of my sisters credit history. I told them that it was not reasonable for them to have me apply for as a co-signer when they knew all along, that it would be rejected. This means i got dinged on my credit score for applying for a loan and I show that it was rejected. Their response was that I should have applied over the phone instead of using the link in the email I got -- they would have told me it would have been denied. 

This is not fair and could easily be avoided if the application process checked the primary borrower first and only solicited the second person if there was a chance of acceptance with the co-signer. The CSR said they wo n't fix it and they would not escalate my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
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 became aware of late payment history associated with a student loan account on my credit report when I received a copy of my credit report in  XXXX   XXXX .  XXXX  and  XXXX  delinquencies were reported in  XXXX  and  XXXX  of  XXXX , respectively, by    XXXX   XXXX   XXXX   XXXX   ( "  XXXX  '' ).       An address change request was sent by U.S. Mail to loan servicer   XXXX   XXXX   XXXX  , LLC ( " UAS '' ) on   XXXX   XXXX   XXXX  4. The address information in the request pertaining to this account was not updated properly, resulting in account statements sent to an invalid address. Because the account was in deferral status at the time the change of address request was sent, no payment was expected or required . Statements for   XXXX   and   XXXX   XXXX   XXXX   indicating a payment amount due were sent to an invalid address. Thus, no payment was made for these  XXXX  months.     After extensive travel and upon learning of the matter, I personally ensured the correct address information was reported and all past due payments were made. Since then, the account status has remained current and in good standing. However, the credit report currently reflects negative late payment information caused by the  XXXX  failure to update address information per my request.     The credit reporting agency did not contact me to supply information related to this dispute. These errors should be removed from the credit report on both an inaccurate factual basis and goodwill grounds, due to the circumstances from which they arose.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MI).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: In late XX/XX/XXXX or early XX/XX/XXXX I opened a credit card online with XXXX. After my first order I requested closure around XX/XX/XXXX because I felt the merchandise was substandard and the credit limit was not worth my trouble. I also requested that a written statement be sent to me showing the closure and the balance so I would have records. The statement arrived sometime thereafter with payment due date of XX/XX/XXXX. 
On today XX/XX/XXXX, I called there customer service line to pay the account balance and their system would only allow a check payment so I entered my account information and immediately was informed after receiving a payment confirmation number that a payment profile had been created with my account information. I was not given any choice as to whether or not I wanted my checking account saved on their system. After informing me that the checking info was saved, I was then informed that the credit account was closed.

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 09-03-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX, I contacted Wells Fargo about a mortgage modification. Being proactive because my financial situation was changing. They sent me documentation to fill out and this was done by me in a timely fashion. Wells Fargo confirmed that all documentation required was done by me until they denied the modification XX/XX/XXXX because something they did n't ask for was not completed. Month after month the same documents were sent, then I got representation because of the stress this process was taking on me. Finally in XX/XX/XXXX I sent an email to Wells Fargo board of directors and then all of a sudden my modification was approved XX/XX/XXXX. Then XX/XX/XXXX, Wells Fargo sends me a letter trying to cover the fact that they contacted me during the cease and desist period which I dispute in writing. Wells Fargo also purposely dragged out the process of the modification urging a short sell and in the process have given themselves XXXX sitting in a corner of profit at my expense. The desired solution ; explanation of how my request for a modification rewards Wells Fargo a profit of XXXX. And to make others aware of Wells Fargo way of business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
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 did not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested XXXX XXXX XXXX failed to provide me with competent evidence that I have any legal obligation to pay you for over two years ( first reported XX/XX/XXXX ), and have failed to do so. Experian and XX/XX/XXXX continue to report invalidated information on my credit report. which might constitute fraud under both Federal and State Laws. Which they both return notices the debt is VERIFIED, not validated. I have asked to submit proof since XX/XX/XXXXr of last year XX/XX/XXXX, and the debt collection agency has not. Proof I needed The agreement with your client that grants XXXX XXXX XXXX XXXX XXXX the authority to collect this alleged debt. Any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. Copies of all statements while this account was open. FDCPA entitles you as a consumer to validate a debt when a collection agency demands money from you. If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report. The notices i recvied dated XX/XX/XXXX, was a notice of my dispute of inaccuracy of the debt, but if fact it was not, but for validation of the debt. The company has never provided this information, has had over two years to provide this information, well over the 30 days

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 04-05-2017 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have an open collection for {$1800.00} through XXXX. I filed a Chapter XXXX Bankruptcy in XX/XX/2015 and this account should be listed as closed and part of my Chapter XXXX Wage Earner Plan, just like my other creditors. I spoke with the collection agency and was told they provided information to Equifax, I have also disputed this twice with Equifax and they will not update the account. I am providing my Chapter XXXX Statement of Financial Affairs & Schedules, you will see on pageXXXX XXXX is on my list of creditors and this collection should be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (GA).
Issue: Problems when you are unable to pay

Complaint: I responded to an advertisement on the radio of a car dealership that would offer a no down payment guarantee loan for anyone who works in the XXXX XXXX field. I was able to purchase a vehicle ( Nissan Altima XXXX ) in XXXX XXXX. The listed price was {$16000.00}. I have been making monthly payments of XXXX. I have been struggling since the healthcare law making it mandatory to have health insurance started. My employer plan is costing me over {$650.00} a month. I am behind on my payments and the company took my car on XXXX/XXXX/XXXX. I contacted them and was told in order to get my car returned I would have to make a payment of {$2400.00} with another payment of {$450.00} due on XXXX/XXXX/XXXX. I must pay the towing company {$30.00} a day for storage also. The company charges me {$10.00} to speak to them in the phone and {$30.00} if I make a late payment. Then I will still continue to make monthly payments of {$450.00} for approximately 4 more months. I am working full time with the ability to get overtime but now I have no transportation. I will have ended up paying over {$30000.00} for a used vehicle. I am living paycheck to paycheck. I am also a single mother that has raised XXXX XXXX sons. I understand that I have a debt but I also feel that I have been overcharged in this purchase. My credit was not great after I lost my house in the housing crisis. I am paying rent, utilities and taxes. I work hard and have not taken any time off in years.

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 09/20/2015 about Credit reporting () with CORELOGIC INC (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: when I moved out of my apartment I owed the owner XXXX dollars. they took the money out of my check every pay period until they got the hole balance so every time I apply for an apartment I get denied. so I called the credit people and they said the owner was still on there. I really need that off I fax the credit people the proof that I payed it.so I really wana no can you take that off thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (Medical) with NRA Group, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received notice of collection, I contacted them for validation of debt representative verify all my information I advise this is not me he then proceeded to state that since all my information matches this belongs to me and I have to pay without no sort of proof, them having all my information correct is more then proof as he stated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2017 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Trouble during payment process

Complaint: Wells Fargo Reverse Mortgage has informed us that they are transferring the servicing of our reverse Mortgage to a company called XXXX. we were not advised of this until a few days ago, and that the transfer will take place on X/X/2017, and that we have no say in this matter. We chose Wells Fargo when we se t up the account because of its financial stability, and would not have chosen XXXX XXXX, and we do not want them to service our a/c now. Complaints about XXXX XXXX are numerous, and we feel we have bee mislead by Wells Fargo. we have asked for our initial costs of setting up the account to be repaid, along with the interest to date, but they have refused. We feel we have been exploited to the benefit of Wells Fargo and their profit motives. We hope you can help in this matter. XXXX XXXX Tel : 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 02-11-2016 about Mortgage (Conventional fixed mortgage) with LENOX FINANCIAL MORTGAGE CORPORATION (CA).
Issue: Settlement process and costs

Complaint: Hi, I refinance my house with Lenox financial which I was told the check I wrote during the escrow would be refunded to me but only about half was return. The realtor has stopped working with me and does n't return my call or my email complaint. Could you please help? XXXX XXXX

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 12/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX XXXX was the original owner of this collection which showed up on my credit report 2 months ago as being opened in 2011. This is not my account. I filed a police report and provided XXXX and XXXX XXXX a copy. XXXX XXXX removed it from my XXXX account a week ago, sold the collection to Enhance Recovery and as of 2 days ago, started reporting under XXXX. I am assuming as soon as they remove it from XXXX, they will report it to XXXX. They are playing games knowing this was an identity theft and a police report has been provided.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I called this company regarding this account that I am unaware of. I am not sure what XXXX is. At that time I was advised that a copy of the lease would be mailed out however it never was. I then sent a certified letter to this asking them to provide me a copy of the lease agreement to date I have not received a response. I contacted them today and spoke to a rep who acknowledged that they received the request and I just have to wait until the original company provides the lease. She was very rude. I informed her that the 30 day time period has pass and asked for a tentative date. She refused to provide any information.

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 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 have requested MULTIPLE TIMES for Experian to provide in righting the EXACT reason  XXXX   XXXX  from my report. I am NOT asking at this point to have it put back on. We can deal with that after I have received a written reason why it was 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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information which has led to a breach that puts myself and millions of others at risk of identity theft and credit fraud. I am extremely disappointed with how Equifax has handled the reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call from Equifax despite their knowledge of the data breach since late XX/XX/XXXX, and instead am just now learning about it in the news, on XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent plenty of letters asking this debt collection agency to verify my debt they will not respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: i was called on XXXX/XXXX/2017, by Midland Credit Management from the phone number ( XXXX ) XXXX a woman asked for my son XXXX XXXX. I told them he does not live here. They asked if they could call me back. I replied " No ''. The lady asked me a second time if they could call back. I again said " no ''. Then she asked me a third time if she could call back. I shouted at her that I had said " no ''. I asked how many times I had to say no to her and for her not to call me back?
I was contacted by my former employer on XXXX/XXXX/2017, that XXXX XXXX had called the business asking for my son. I consider this harassment. I told them not to call me anymore so they called my former employer. The woman on the phone told him her name was " Heavenly ''. She said it regarded a personal business matter. Her phone number is ( XXXX ) XXXX. Extension XXXX.
I am a third party. This debt has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (I do not know) with I.C. System, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX ( mailed XX/XX/XXXX ), I sent a certified letter to I C Systems, Inc. requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. I verified their receipt of said letter using the USPS tracking feature. They have failed to respond to my request in any way, therefore, they have not proved that I am obligated to pay them anything. They have reported delinquent and negative information to all of the credit bureaus and I asked that it be deleted.

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 03/23/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have items on my credit report that are NOT mine and I would like them taken off! One of them is a Vet for a animal that is not mine! I do NOT own a dog but this XXXX vet says I owe them over {$2000.00} for something that is n't mine. Also there are medical bills on my credit for places I have not been or even went to a doctor for these issues! I just want them removed off my credit so I can be done with this misinformation!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OH).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Applied for Citi Costco credit card and was denied because of not matching information. When I called city they told me the phone number I listed is not matching with the one on XXXX. Kind of loose rule to st because of not matching phone numbers. My FICO score is XXXX otherwise.

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