milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2017 about Student loan (Non-federal student loan) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: During college, I took out a loan from Nelnet for {$3500.00}. Unfortunately, I forgot about the loan because the company sent me repayment information to my old university email, which I no longer had access to after graduating XX/XX/XXXX. Then on XX/XX/XXXX, I was notified of a delinquency on my credit report. I looked into it, and discovered that my Nelnet loan was now delinquent, as I had not made a single payment. Realizing my mistake, I called Nelnet to try and fix the situation. The loan officer promised on the phone that if I paid off the loan in full right now, Nelnet would remove the delinquency and it would not affect my credit score in the future. Because of his promise, instead of making monthly payments on the loan, I paid off the loan in full using my savings. I called two more times after I paid the loan to make sure everything was paid off completely. Both times, the loan officers ensured that the loan was paid off, and that the delinquency would be removed. I assumed everything was done regarding my Nelnet loan. 
However, I checked my credit score earlier this month, and my credit score dropped again. I called XXXX, and the XXXX agent confirmed that my NelNet delinquency was still hurting my score. My delinquency was still on my credit report, unlike what Nelnet had promised. I called Nelnet today to clear up the issue, and the agent this time sang a completely different tune. The agent said that delinquencies can not be removed, and that the delinquency would stay on my report for 7-10 years. I explained that I had paid off my loan in full because I was promised that the delinquency would be removed from my credit report. The agent said she would " look '' into the recordings. But 5 minutes later, she came back saying the recordings could not be found because they were too old. I am very frustrated because I think Nelnet should still have access to the recordings as they are not even a year old ( XX/XX/XXXX ), and may be hiding the calls on purpose. I am also frustrated that Nelnet promised to remove my delinquency, and now claim that they are unable to do so under any circumstance. I researched online people getting delinquencies removed from their credit report, and I am certain that Nelnet can do so also. The Nelnet agent I talked to today said she would also submit a complaint to her supervisor, but I am very skeptical. All I want is for the delinquency to be removed from my credit report as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. 
A letter was mailed to Experian on or around XXXX/XXXX/2015. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. 
I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On XXXX/XXXX/2015 I received a notice from Experian stating the following : We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 

In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 

If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX XXXX XXXX XXXX XXXX to speak directly to an Experian consumer assistance representative. 

However, an Experian confirmation number was not even provided on this notice. 
I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. 
I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! 
I am filing this complaint because Experian will not respond to any letters that I am sending in ( I sent in an additional request on XXXX/XXXX/15 ). I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Nation Star has, even though we have made arrangements to repay past due and current balance ; called us repeatedly ; even after multiple requests to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit card () with Legal Recovery Law Offices, Inc (CA).
Issue: Delinquent account

Complaint: XXXX XXXX, 2016 - I received a letter from XXXX XXXX, Legal Recovery Law Offices , Inc saying the Plaintiff : XXXX XXXX XXXX vs Defendant - XXXX. It list no details except that there is a Declaration of Accrued Interest. Interest on the judgement accruing at the legal rate from the date of entry on balances due after partial satisfaction and other credits in the amount of {$940.00}. 

I called the Law Office to know what they are talking about but the was asking for social security and other personal information that I did not want to give. I was wiling to give the case number which is XXXX but the receptionist hung up. I feel that I am being harrassed by this law office and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have been diligently trying to obtain assistance from chase for the last 3 years. I have filed a complaint a couple of times in order to be heard and helped. Chase goes through motions and states that they are looking into it. Chase allows time to lapse and proceeds to mail out a frivolous letter of denial. I spend months after months scanning, faxing getting the run around in hopes of obtaining assistance on a poor modification that has since expired and yet the bank refuses to help, the modification itself was done out of desperate measures as Chase would not help me then unless I lapsed on my payments. Please read attached. " you are not behind on payments '', which I was forced to do in order to get help on their terms 8 years ago. I 'm in this very bad situation due to the modification and everything else that followed. Chase refuses to assist with the deferred amount. I am short about XXXX XXXX every month due to a pay deduction and no more child support. I have obtained a couple of loans since my last complaint to you in order to keep paying my mortgage. Despite my persistence to keep our home, Chase continues to demonstrate poor ethics, practices and political process measures. Something is very, very wrong when you have several people giving you erroneous information throughout the entire process ( 7 months ). The letter not only falsifies information it miss interprets information. I make XXXX XXXX a month, yet if you look at the rejection letter, Chase falsifies the amount in order to place me in another bracket! ( please see attached ). 

Yours Truly

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Mortgage (FHA mortgage) with Finance of America Mortgage LLC (PA).
Issue: Settlement process and costs

Complaint: My boyfriend and I applied for a mortgage pre-approval with XXXX from Finance of America Mortgage LLC on XXXX XXXX, 2016. After speaking with XXXX, he said we were good to go and we put an offer on the house ( XXXX XXXX XXXX ). They accepted our offer and we sent them a check for the deposit of {$1000.00}. On XX/XX/XXXX, I received an email saying we had to place a stop payment on the check, which I did. We had to resign our Agreement on XX/XX/XXXX and send out a different check. Once this was completed, we ordered our home inspection. Post inspection, the purchase price was dropped based on outcome and we went through the negotiations. We then received a settlement date of XXXX XXXX, 2016. Everything was going great and smooth. The appraisal was ordered and we were told we were good to go. On XXXX XXXX, 2016 we received a call from XXXX telling us that the loan was not going to go through due to XXXX 's employment history not being long enough. We had disclosed this information at the beginning of the pre approval process and had inquired if this was going to be an issue. It had been explained to us that this was not going to pose any problems later in the process. All of the information regarding issues with our loan was not brought to our attention until a week before our scheduled settlement date and after we had paid {$1200.00} for various fees involved ( ie. appraisal and inspection ). We feel that had it not been for a lack of proper communication on XXXX 's part that this financial loss could have been avoided all together. I have requested my appraisal fee back from Finance of America Mortgage. We were not properly notified that this mortgage was not going to be approved and feel as though all fees involved are due to be paid in full back to me.

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 monetary relief
Consumer complaint received 06-02-2015 about Debt collection (Credit card) with CITIBANK, N.A. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: CITIFINANCIAL HAS PLACED DEBTOR BLAME ON ME FROM AN ACCOUNT APPARENLTY OPEND LAST DECADE. I HAVE NO KNOLEDGE AOF ANY ACCOUNT WITH CITIFANCIAL. I HAVE TRIED TO TO GET THEM TO REMOVE ANY REFERNCES TO ME WITH THIS ACCOUNT BUT THEY REFUSED. EVEN XXXX COLLECTION AGENCY CLEARED ME OF ANY DEBT ; YET CITIFIANCIAL CHOOSES TO OVERRULE. I JUST WANT THE DEBT REMOVED FROM BY CREDIT PROFILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I took out a loan and started to repay it in   XXXX   2017. I contacted customer service over and over trying to pay more than was requested every month. It was a nightmare, left me in tears. I finally have up and found out right before the loan was to begin what the amount was. These people are horrible and have terrible customer service. It is a nightmare that I have to deal with them for the next ten years!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX a credit inquiry for XXXX XXXX was placed within my XXXX, Equifax, and XXXX credit report. I contact the three bureaus to get them removed however they refused and told me I had to contact the company. So that's what I did. 

I called XXXX XXXX multiple times to get these resolved. After a few weeks they finally sent me a letter saying they advised the three bureaus to remove the inquiry from my report. However, the inquiry remained. I then contacted all three bureaus and sent them a copy of the letter ( attached ) sent to me from XXXX XXXX. The inquiry was removed from XXXX and XXXX, but Equifax still won't budge. 

Now, the XXXX XXXX inquiry was reinserted to all three reports dated XX/XX/XXXX. I now  have TWO unauthorized inquiries ( XX/XX/XXXX & XX/XX/XXXX ) on my Equifax report, and one unauthorized inquiry on XXXX and XXXX ( XX/XX/XXXX ) - all from XXXX XXXX. 

I have NEVER held nor applied for an account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Debt collection (Credit card) with DISCOVER BANK (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: When Discover is calling, they call either every XXXX min or every XXXX minutes, usually up to XXXX phone calls in less than XXXX minutes. When I answer there is no one there and the phone call is then disconnected on their end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Application, originator, mortgage broker

Complaint: I have submitted numerous loan modification packages to Nationstar Mortgage and keep receiving requests for additional information even though Nationstar has received complete packages. I do not have a specific customer relations manager assigned to work with me. When I call I am transferred to whatever worker is available.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 contacted   XXXX   XXXX   credit union several times, regarding an account that is being reported on behalf of a company in error. I have supplied   XXXX   XXXX   with documentation from the company, by the name of  XXXX   XXXX   XXXX . I submitted to  XXXX   XXXX  a letter that stated they are not able to provide proof of debt because they have no records of me on file.  XXXX    XXXX   has failed to delete that creditor off of my report after receiving notification from the alleged company. I have written to  XXXX   XXXX  as well as submitted to them all correspondence letters between my self as well as  XXXX   XXXX . I am requesting for the claimed debt to be deleted off of my credit file in the amount {$11000.00} reference to  XXXX  account. This has been an on going investigation since  XXXX  and the creditor has not been able to validate the claimed debt. Therefore, four months later this debt should be considered invalid and 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 non-monetary relief
Consumer complaint received 07-01-2015 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX 2015 I received a settlement offer letter from Santander USA in regards to my car loan debt. I reached a settlement offer and they emailed me a settlement letter to be paid by XXXX XXXX. I called them on XXXX XXXX, 2015 and paid the full settlement offer with my debit card and it cleared my bank. Then on XXXX XXXX, 2015 I received another email from Santander USA acknowledging that my settlement was paid in full and they would be reporting to the credit bureaus. By XXXX XXXX, 2015 my credit report was hit by Santandar USA showing the my debt was " Closed '' and " Paid ''. On XXXX XXXX, 2015 I received a phone call from a third party debt collector named XXXX XXXX XXXX stating that Santandar USA sold my debt to them and they were trying to collect my old settled out account. XXXX XXXX XXXX did not show I had made any payment. I forwarded on my settlement offer and paid in full letter I received from SantanderUSA to prove that I had in fact paid and settled out that account a month before they even sold it off. I then called Santander USA to clear this up. The rep with SantanderUSA did show on my account it had been paid and closed in full and they do n't know what happened and why it got sold after the fact. They said they would get it taken care of. Then today, XXXX XXXX, 2015 XXXX XXXX XXXX calls me back trying to collect the debt once again. I explain my situation again and they then acknowledge they received my emailed letters showing I made a payment and that they did try to reach out to Santander USA about my account and they still had not heard back from SantanderUSA. I then called SantanderUSA again on XXXX XXXX, 2015 to double check on my account status and to let them know I am still getting calls from their third party company they sold my account to. They advised me again that they were going to get this taken care of and would reach out to the third party collector in regards to my account. They again verified that yes my account was settled and paid in full and this XXXX XXXX collector should not be trying to collect from me. I am filling out this complaint because after going through all the legal and proper steps to reach a settlement, pay off settlement, and my credit report being hit for closed and paid status shows how SantandarUSA has not abided under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I would like this charge removed from my credit reports because it has been changed over from XXXX to XXXX to XXXX XXXX XXXX. This is hurting my credit report as I am trying to purchase a home. 

I am currently paying the same account with XXXX XXXX XXXX. I would like to have XXXX XXXX / XXXX removed from my credit reports from XXXX, Experian, XXXX and XXXX. 
I would like to have XXXX removed from all reporting agencies : Experian, XXXX, XXXX and XXXX. 
I would like to have Home At Five removed from all reporting agencies ; Experian, XXXX, XXXX and 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 03/18/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Settlement process and costs

Complaint: First, the Buyer needed a POA for his wife. We sent it to Calibur Home Loans for them to approve and complete with whatever requirements they have for a POA and make sure the names where what they were going to require. We sent a XXXX XXXX to the wife in Colorado at a cost of {$170.00}, we received it back Wednesday and now XXXX is saying it does not meet their Criteria. This loan should have closed at the end of XXXX, they are still not ready to close it ; however, they are going to lower the interest rate by XXXX today and say they do not have to Re-Disclose for that and that the wife is now going to have to sign in Colorado and that is another {$170.00} cost to the Borrower. We still do not have any documentation from them at all. 

We also have another closing set with them for XXXX and the Buyer just got here we have no docs for that closing either, because they need to raise the Seller Concessions by {$1600.00} and that just came up today. 
I do not understand how Lender 's especially Calibur is Disclosing and the people are not even approved for the Loan and we do not get the documents in time for their set Closing Time. 
I thought the whole point of all the new CFPB Guidelines was to eliminate that kind of stress from Borrowers. 
It has not accomplished XXXX thing for most borrower 's with this Lender especially. 
This seems to be the normal way they do business.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (Payday loan) with LMS Services, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: A representative named XXXX XXXX stated that I owe XXXX to a company named LMS Solution. I tried to tell the representative that she had to wrong person but she insisted on stating she was going to take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I 'm displeased with the complete investigation with Experian I have listed inquiries on my credit report that I have no clue why they are on my credit report. I have listed them and attached them to this report. Next, I have item 's on my credit report that was not properly investigated. These collection companies needs to be investigated on why they are even on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/14/2015 about Student loan (Non-federal student loan) with ACS Education Services (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am filing a complaint against my student loan creditor ( XXXX XXXX ) and my student loan servicer ( ACS ) because they : 1 ) increased the interest rate of my loan by an amount greater than permitted by the loan terms ; 2 ) sent me XXXX student loan repayment schedules that contain incorrect information ; and, 3 ) increased the interest rate on my student loans prematurely in violation of the loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: they re fuse to re move new York state of my credit report .that act ben pay off long time a go and they stil re porting it as I hold yhem money.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX told me they would take no futher action as long as I did not fall more that 2 months behind on my mortgage. Six days before my monthly payment was due they informed me at my mortgage was given to SLS and they were demanding that I pay 3 payments in 6 days or they were going to put me in default. When I called SLS they told me that they could demand all 3 payments it they wanted to. A couple days later SLS called me again saying to send in one payment by certified check, which I did. A couple weeks later they sent the check back and told me they were going to forclose on my home.

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