milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Application, originator, mortgage broker

Complaint: Submitted refinancing request with Nationstar Mortgage in XXXX of 2016. They sent documents confirming rate and referred to their appraiser. their appraiser had NO availability until & gt ; 60 days after rate lock. I received NO communication that the rate would be cancelled if the appraisal was not completed and the request submitted within 60 days and in fact they were made aware of the date the appraisal was scheduled from the beginning. I also sent an email asking for confirmation that there would be no problem with a delay in the appraisal until early XXXX which went unanswered by Nation Star but replied to by the appraisal company stating that Nation Star was aware of the situation and it would not be an issue. I was just informed that my request for refinancing has been cancelled because it " timed out. '' but they are happy to begin the process again - at a higher mortgage rate of course because the rates have increased. This is clearly a deliberate method to avoid offering refinancing at the lowest interest rates, especially when they anticipate the interest rates will be rising.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I applied for a credit card from XXXX XXXX on XXXX/XXXX/XXXX. Experian gave them my credit score of XXXX ; which made the APR 24.99 %. I always check my credit scores at the end of every month. TransUnion ( XXXX excellent ) & XXXX ( XXXX Good ). I 'm unable to check Experian 's because they charge a fee ; however I can check it on my credit card statement. I want to know why there is a 70 difference between the three credit report agencies. 

I have worked hard to build and maintain good credit worthiness ; and a credit reporting agency can destroy it by reporting negative information. On XXXX/XXXX/XXXX, I contacted XXXX XXXX and they directed me to Experian. Contacted Experian and was told that they would send me a copy of my credit report. I went on line and got my report and there was nothing on it to give me a LOW SCORE. 

Someone needs to investigate why credit bureaus can do or say whatever they want to about a person that can destroy their credit worthiness. 

PLEASE SEE ATTACHED DOCUMENTS. I will be mailing a hard copy of my dispute/complaint to Experian, XXXX XXXX XXXX XXXX, XXXX, TX XXXX - per the internet.

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 11/27/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XXXX/XXXX/2015 XXXX Bank requested and received my credit report from your company. To my knowledge, XXXX Bank has absolutely no permissible purpose ( as stated on the Experian website ) to request or receive my personal information. They offered me no credit, they do not employ me, they are not a potential investor, not a current creditor, nor do I have a mortgage with them or anyone else. I have absolutely no affiliation with XXXX Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom it may concern : I am writing this message in regards to an unknown acccount that appears on my credit and I have no clue where the account came from. I am unaware of the account and it is an error that you are reporting. It has cause me distress and embarrassment. I have sent several certified letters over to your company, called in and nothing was resolved. It has bought me great pain and discomfort. All I have left to do is take legal actions against your company and file a law suit at XXXX XXXX County Court House. I am allowing 72 hours and patiently waiting on your response. Please look at the attachment below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Loancare, my mortgage servicing company failed to pay my supplemental property taxes even though we have an escrow account for property taxes. They did n't pay on time accruing late fees. They failed to inform us that they do n't cover supplemental property taxes thus leaving us to believe they were being paid. Then when I called to find out what was going on I found they paid the first installment late but not the second. So they pay them sometimes only when they want to? I could n't get a straight answer and they were really rude on the phone.They lied stating we were told about the supplemental not being paid however that proved to be false as well. I also have another complaint about XXXX XXXX mortgage co. who our loan is actually through, I think. By the way do n't get me started on knowing the difference between a loan servicing company and our actual lender. Anyway XXXX set us up for a second mortgage fixed rate only to find out after the fact it was home equity line of credit with no fixed rate!!! These mortgage companies are still doing shady things and getting away with it with no accountability. I have several friends who have similar stories of shady financial dealings with lenders. Since all of this we are refinancing with a much more straight forward company ; XXXX XXXX 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 12-08-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a debt that I was completely unaware of from an apartment I previously live at which is XXXX XXXX XXXX. I discovered a debt on my credit from a Company of the name of XXXX which was currently handling the account. I contacted them, I was given an address to the office, I went down and paid the Bal of {$590.00} plus XXXX processing fee. Now I see another Collection agency is reporting the same debt to my credit report National Credit Systems, however this is already paid and I know this is completely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Continental Finance Company, LLC (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Payment posting issue resulting in late fee due to either a postal delay or bank intentionally/deliberately holding onto payment and not applying payment fast enough to cause payment late and to assess cardholder a late fee. Payment due date    XXXX  .  Payment mailed   XXXX .  Payment sent first class standard envelope without tracking from    XXXX   XXXX   XXXX    to    XXXX   XXXX   . Payment should of easily been received by Friday the  XXXX . I called the bank on   XXXX   at approx.  XXXX  in regards to this matter and spoke to an agent named  XXXX . Bank agent  XXXX  stated a late fee waiver was requested and issued back in   XXXX   XXXX   XXXX   and another could not be issued. I stated to him the reason for last years late fee waiver request was because  USPS  tracking showed payment packet was delivered on time but bank held onto payment for 3 days then posted payment to account after due date resulting in an unwarranted late fee. This is totally unacceptable. In fact, criminal. Exact reason why I occasionally send out credit card payments with tracking numbers and you would be surprised how many banks hold on to payment for a few days and not apply payment accordingly and wait till it exceeds the due date to assess a late fee onto cardholders account. I have caught numerous banks in these past couple years. All banks however after explaining the matter and giving them the postal tracking numbers, waive late fee. Again, this is the exact reason why I occasionally and randomly mail out credit card payments with postal tracking numbers and I implore everyone to do so too from time to time. Unfortunately this payment did not include a tracking number. However I am confident payment was received on or by the  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 06/17/2015 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (TX).
Issue: Problems when you are unable to pay

Complaint: about XXXX month ago i recieve a call from security finance they tell me i havent make payment for the loan but i dont know what they talk about .i ask about what kind the loan they said it was a check they make out for me and i cash it .them i ask them why they send me a check i didnt ask for they said it was part for the advertising but i tell them i been move out that address since XX/XX/2014 in didnt cash any check from them they ask me to go to they office in temple i go they they want a copy of driver 's licence and sign a fraud affadavit i sign it and they said it should b e done, but XXXX month later i order a credit report security finance pull my credit report without my pormition and they report 120 day late payment i call security finance again ask why? they tell me i need to sign other fraud affidavit for XXXX XXXX XXXX so i sign it send it to them never hear back from them again i call and call just ca n't get any answers and my credit report still show XXXX day no payment please HELP ME!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contact Experian and I filed a dispute with them. I recently received an updated report dated XX/XX/2018. Several of the accounts that I had requested be investigated were investigated and have been removed. However several accounts still remain and I am now filing this complaint because of the information that remains. I have repeatedly disputed this fraudulent account information with no resolve.

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 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX   XXXX , Experian,  XXXX , an d   XXXX   XXXX   XXXX  . The credit bureaus are claiming I owe for a student loan. I have from the   XXXX   XXXX   XXXX   a  letter from them stating all student loans are cleared.

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 12/21/2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeat calls from all different numbers & states. Calls are about every hour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: In accordance with the XXXX XXXX Settlement, I believe Chase had to settle the second mortgage on the property so wrote it off in order to foreclosure on the Washington Mutual Bank FA mortgage. If you look at the documents I will provide, it went into collections in XXXX and then in XXXX after it was written off, JPMChase removed almost $ XXXX from my checking account. It has taken me years to the get the accounting for this account and as you can see, there is no credit for the $ XXXX. Where did my money go?

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: XXXX accout information is to be removed. XXXX and XXXX acted immediately. Equifax is still draggin it out and has not removed the item from my account as the others already have causing me to lose financing for the house my wife and I purchased. 

,

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Credit card debt) with EOS Holdings, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt from XX/XX/XXXX-XX/XX/XXXX Back then I wasn't to aware of how credit worked, nor did I receive counsel. Not only that but the information given on my report is incorrect and it took many attempts to reach these people to have them update the information. Even now when an account was charged off and XXXX XXXX these 3rd party companies still are on my report trying to get money from me. I asked for original signed Contract documents and they send me bills instead. Then tell the credit companies everything is accurate when it is not. I'm asking to at least pardon these charges and wipe them off my report so I have a chance to start a new. The companies are XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX  which I actually found out wasn't suppose to offer me a credit card in the first place due to my living in XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CMRE Finance. XXXX XXXX. {$140.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Debt collection (Credit card) with Coastline Financial Resources, LLC (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: calling family members about a very old debt, and telling them, they are looking for me and if they do n't serve me papers I will have a warrant for my arrest. old credit card debt from years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I am in XXXX XXXX for an account at Bank Of America. I closed that account with a XXXX balance. I am unable to open a bank account with other banking institutions because of this.

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 03-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I was trying to remove old student loans that had been consolidated off of my credit report ( the old, closed accounts ). They did not verify the account nor delete the closed positive accounts. Instead they updated about 10 accounts marking them as late in XX/XX/XXXX. These accounts were established in XX/XX/XXXX and XX/XX/XXXX and consolidated in XX/XX/XXXX. My accounts have been current all these years. When I called the number on my credit report, I got Navient instead of Sallie Mae. I was told they couldnt transfer me nor was there anything they could do because the account was n't updated by them. But its Navients number on the credit report. I have several copies of my credit reports showing these accounts were just reported as late from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
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: Portfolio Recovery continues to report an old collection account that has already been deleted from XXXX  and XXXX  years ago. I have been fighting with them for years to delete it from my XXXX  report and they keep sending letters stating that it has been verified. I have submitted proof from my XXXX and XXXX reports that I have no collection accounts. XXXX is only showing one which is from Portfolio Recovery. 
I truly believe either XXXX or Portfolio is not investigating the collection account when I dispute because I have disputed numorus times the past two years and it shows last updated in XX/XX/2016.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (OK).
Issue: Loan modification,collection,foreclosure

Complaint: We purchased a home with high interest rate due to that I had a id theft in the past and it hindered my rates etc. We got the home in 2007 and we wanted a fixed rate, but rather gave us a var. rate loan. The whole time they never had our balance correct and the monthly fees were different each time. We could not set our budget due to the performance and actions of the lender. They kept telling us oh if we send this much then the amount would go down. Well there were times we sent XXXX or XXXX or less etc. and they never did what they said. They traded our loan from one company to XXXX whom did the same thing, they cheated us and then went to XXXX XXXX XXXX they pulled the same stunt. Now we are with SPS and they have only applied our money toward interest and no principal so therefore our balance has been the same since then. This is cheated us of hard money. Now this company has had a lawyer threat to forclose and added XXXX to it etc. We should no loose our home due to dishonest and fraud companies. I want help for use, I have dealt with stress related issues and vomiting due to this. I am tired of us being taking advantage of us. All we want is to keep our home and get credit for our payments not just put the money aside as if we did not pay. help us and want a fixed rate they should credit us or refund our money if they play crooked. I would like a settlement not threats from a lawyer etc. that to me is wrong very wrong. We do n't have XXXX to pull out of a hat just to satisify a crooked firm. their no. XXXX acct. # XXXX thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Debt collection (Credit card debt) with Weltman, Weinberg & Reis Co., L.P.A. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Letter sent to from Weltman Weinberg & Reis saying I have account out standing with XXXX XXXX XXXX this account is 15 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Conn 's, a retailer I purchased a washer and dryer from, reported my XX/XX/XXXX payment 30 days late in error. XX/XX/XXXX payment paid 7 days early, confirmation # XXXX on XXXX/XXXX/XXXX. I paid XX/XX/XXXX 1 day after the due date, XXXX/XXXX/XXXX, confirmation # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My confidential credit information including my SSN has been leaked in the recent EQUIFAX Breach.
EQUIFAX has but myself and millions of other Americans at high risk of Identity Theft due to their Criminal Negligence.
Additionally, EQUIFAX failed to report the breach in a timely manner. EQUIFAX Executives knew about the breach from XX/XX/XXXXthrough XXXX 2017. However, I was never notified of the breach by EQUIFAX. I found out via generic press release on the news, which is frankly disrespectful. The fact that EQUIFAX admits that they will not notify breached individuals is appalling business conduct.
Additionally, the fact that EQUIFAX executives sold over {$2.00} Million USD in stock days after the breach, heavily indicates criminal insider trading.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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 been having an ongoing problem with  XXXX  for the last year and a half, the more I fix my credit and increase my score, I have noticed each time they will go back in, find an old deleted or removed account and place it back on my credit report but they will just put it in a different catergory as if the consumers wo n't notice, this has happend to me at least  five  times, they have now taken an account that was removed and deleted from my report and placed it back on there but under Collections now, but item was removed awhile back,  XXXX  and Experian just follows   XXXX   and whatever they do they follow, the Items I 'm speaking of is   XXXX   XXXX   item was deleted from my report but have been placed back on by  XXXX , this has. Even going on for several years now.

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