milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/27/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Nationstar they increased my escrow by almost {$1500.00} when neither my taxes or insurance went up..they bounced my escrow school tax payment that they said they paid in XX/XX/XXXX but was n't actually paid until XX/XX/XXXX..I asked in XX/XX/XXXX and sent them a note stating I wanted to pay my own taxes and insurance since I was with them over one year ..and original loan before it was sold too them that I had put 20 % down and all payments were on time ... I started sending in XX/XX/XXXX just the principal & interest..which they accepted..Then I sent in my XX/XX/XXXX payment for the same amount they said they never received it..I called on the XX/XX/XXXX for them to take the payment over the phone on XX/XX/2017 and they said wait a few days too see if the check comes in..I said I do n't want a late payment on my account I have excellent credit..The said they would n't charge a late payment ... I spoke to the escrow dept and they said no problem it will take about 7-10 days to approve my request..once I did that the online payment and the statement payment does n't match up ... They sent a letter stating my account was 30 days past due ... it has never been late ..now they put it in as a negative remark on my credit score ..I had a credit score of XXXX and now it 's XXXX down XXXX points ... I paid them {$920.00} online up from {$820.00} and they are stating my payment is over due ... the want {$970.00} ..they are making me mentally & physically ill..I do n't know what to do anymore ..I 'm on XXXX and a fixed income ... Please help..Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (ME).
Issue: Loan modification,collection,foreclosure

Complaint: BSI financial is failing to complete review for loss mitigation within 30days after receiving a complete package and acknowledging it is complete on XXXX/XXXX/2015. See attached letter. They also were slow to acknowledge receipt of package. Request for mortgage assitance was fax to BSI on XXXX/XXXX/2015 and recieved a confirmation of receipt letter dated XXXX/XXXX/2015 same day as a request for additional documents were made. Submitted all additional documents on XXXX/XXXX/2015 and they have not requested anything further. Point of contact does not return calls and other representatives can not give status update. Left message for XXXX XXXX on XXXX/XXXX/2015 and again on XXXX/XXXX/2015 and again on XXXX/XXXX/2015 for a status update and have not gotten a return call did talk to XXXX XXXX on XXXX/XXXX/2015 and he advised something was approved and in route but have yet to receive anything. Escalated case today with XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Lease was broken due to loss of employment and XXXX. There were 3 months left on the signed lease. The apartment was re-rented a month later. They kept the security deposit of {$1400.00} and trying to charge me and additional XXXX although there was no loss of rent. Apartment was cleaned and were no damages, IQ Data is harassing me on a daily basis. Under the Washington Law Tenants ACT, they are breaking the rules. Landlords must mitigate there damages. I have written to these individuals and they have placed this on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been enrolled with automatic monthly payments with Navient for more than a year, but I began paying extra money towards the principle of my loan beginning XX/XX/2016. When I submitted the payments online I was given the option of either applying the extra payments towards the principle of the loan vs having the next monthly payment due date advanced. I successfully made an extra payment for XX/XX/XXXX-XX/XX/2016 using the online system. When I attempted to make an extra payment XX/XX/2016 the website was no longer providing the option of applying the extra amount to principle vs advancing the monthly due date. I went ahead and submitted the payment thinking it would of course go to the principle. The next business day I received an email that the loan company had instead advanced the due date of my next payment. I called them twice XX/XX/XXXX- once to have the payment adjusted and let them know that there was an issue with their website ; another time to let them know that they still had n't repaired the website. They assured me that they would get the info to their IT staff and the problem would be corrected immediately. I again attempted to make an extra payment earlier this week. Again the website was not giving an option as to how the payment should be applied. I called the company as I was trying to make the payment. They said that it may have been difficulties with their new website, so they directed me to a link to their old web address. The option still was not available, though they assured me that it would be applied to principle. While my online account is showing that the payment did post to the principle I still received an email that told me that the next due date had been advanced a month. I had to call again to ensure that they were not advancing the due date, which it appears that it was going to do just that. The representative advised me that the website should allow me to apply the extra payment to principle vs advance the due date. I once again told the representative that the website is no longer giving the option. I advised her that I have spoken with Navient on several occasions in the past month to get this situation remedied. She advised that she will send another message to the IT team. I advised her that I will be reporting Navient to the CFPB as this is becoming rediculous how many times I have had to call them with no remedy to the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I will like to flile a claim against XXXX in the amount of {$59000.00} for a debt of student loans! I would like XXXX to validate that these debts are mine XXXX XXXX XXXX, by providing me the original wet signature contract for all debts listed below! furthermore I would like to request a copy of XXXX XXXX and validation of original loan amounts and dates to which these debts occurred, ( listed by account number below ) are attached to! If all of the documentations are not sent, I will like for XXXX to reach out TRANSUNION, XXXX and XXXX and remove all debts from my reports. 

# XXXX {$9700.00} # XXXX {$4400.00} # XXXX {$4300.00} # XXXX {$8000.00} # XXXX {$4100.00} # XXXX {$4000.00} # XXXX {$1900.00} # XXXX {$1500.00} # XXXX {$7800.00} # XXXX {$1900.00} # XXXX {$1200.00} and any other debts you are wishing to collect on! please validate and stop reporting!

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 08/16/2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Other

Complaint: I am having issues with PayPal putting a hold on the payments that I make on the PayPal Extras Mastercard everytime I pay more than the minimum due. For example, I recently paid the full statement balance of XXXX on the bill that was due on XXXX/XXXX/16. It cleared my account at XXXX XXXX XXXX on XXXX/XXXX/16 but as of today, my PayPal Mastercard shows {$0.00} credit available. The account reflects the payment I made and I have a credit line of {$2700.00} but it 's still showing I have no credit left. I called yesterday and they said they can not release the 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 12/17/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Wired Funds to Ocwen on XXXX XXXX, funds previously wired credited properly with same information. Credit has been damaged due to Ocwen reporting base on their error. Unwilling to immediately correct situation which blocks my chance of refinancing and rates are going up. This error is now costing me money as rates rise and has lowered my credit score

Company response to consumer: Closed
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: In XX/XX/XXXX I cosigned for my partner on a vehicle and leased with XXXX XXXX ( XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ) In XX/XX/XXXX My partner filed for Bankruptcy Chapter XXXX and a few items including the vehicle were added to be continously paid off every month under 1 fee. 
These fees are still being paid every month on time. 
In XX/XX/XXXX I conducted a credit check and found a negative account with XXXX XXXX and quickly disputed it with all 3 credit bureaus. I check my credit history and score again in XX/XX/XXXX and still found XXXX XXXX reporting non payment, a second dispute was submitted to the credit bureaus along with the bankruptcy information. 1 month later I was sent a letter basically stating that nothing could be done since the financial company continues to report non payment. At this point my credit score had suffered dramatically and continues to do so. 
I sent a letter to XXXX XXXX disputing the negative account and submitted the Chapter XXXX Bankrupcy forms that clearly shows the current payments still being made on the vehicle. I have yet heard anything from anyone. 
Today, XX/XX/XXXX, I check my credit and found the matter still has n't been resolved. I have found no resolution with the 3 Credit Beaureaus nor with XXXX XXXX. I do n't know what else I can do, Please Help

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 12-06-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (UT).
Issue: Loan servicing, payments, escrow account

Complaint: After running into some steep medical bills we fell behind on the mortgage payments. Wells fargo offered to rewrite the loan at a higher risk interest rate ( 9.5 % ) and roll the over due payments into the revised loan. They also told us that after 3 years of on time payments the rate would be reduced ( 6 % ) and we would be returned to the regular risk pool. It has been 4 years now since we have had a payment more than 10 days overdue and because the high risk department was collapsed into the general bank during the mortgage crisis, no one will even discuss that provision with us. Every phone call is redirected until it is cut off or gets to a message machine that is ignored, with no return. At the same time there is a {$300.00} balance in an unassigned funds category on my statement. which when asked about I am told they have n't been paid yet. The fact is that I usually overpay some and they are just holding that overpayment instead of paying the principle down.

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 05/30/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was trying to open an account with a credit union and i was told that I had to call  XXXX   XXXX    XXXX    and resolve an issue before receiving an account. I called  XXXX  and was told Bank Of America had reported me to them for fraud. I filed a dispute with   XXXX   about this issue and they even transferred me to Bank Of America to try to resolve the issue this was  XXXX  between the  XXXX  and the  XXXX . I talked to the recovery department and i explained to them my issue and they told me i had to write a lette r of Dispute wh ich i also did and still have yet to get anything resolved I told them i had no knowledge of the closed account nor was i responsible for the issue they are accusing me of which is what i was told was a {$40.00} overdraft and is the reason the account was closed and reported. I just want them to remove my name from   XXXX   XXXX   XXXX   so i can get my account straight with the credit union. I have called BANK OF AMERICA multiple times to resolve this issue I have also called  XXXX  multiple times to resolve this issue and have filed multiple disputes and complaints PLEASE JUST REMOVE MY NAME FROM  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 09/23/2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Billing disputes

Complaint: Citi failed to investigate a fraudulent charge in the amount of 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 06/20/2015 about Money transfers (International money transfer) with RIA FINANCIAL (OH).
Issue: Other transaction issues

Complaint: i need to transfert a money like international transfert money to XXXX to take a bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I mailed a Multiple Inquiry Removal Letter by mail to dispute information, regarding hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/2017 and they completed the request on XX/XX/2017. I also mailed out a letter disputing inaccurate reporting items on my credit that was received at their location on XX/XX/2017 but the request was also completed on XX/XX/2017. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my letter, one can assume that there was no investigation into the matter. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have provided proof of the letters I sent along with the date it was received at their location. Also, I provided proof of the date that their response was written back to me. If I received it on XX/XX/2017 that means it was mailed out before this date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX XXXX XXXX XXXX, ( XXXX ) and XXXX XXXX XXXX, ( XXXX ) company submit a complain to American Express Fraud Department in regards of Unauthorized Transaction by our EX employee. We provide them information in writing that We did not hand over the AMEX credit card to our EX employee. it was left in Office Safety Box and we still have that Credit Card in our possession. At first they issued total amount {$4500.00} after we received a letter confirmed refund those amount but on XX/XX/XXXX they took those amount back and denied out claim. we mention that He may have made Duplicate Card. Transaction are below : Credit Card ending XXXX ( XXXX ) Closing Date : XX/XX/XXXX Unauthorized Charges {$4500.00} AMEX ( XXXX ) Card Closing Date : XX/XX/XXXX Unauthorized Charges {$370.00} I have attached all documents that include all amount in detail and other submitted complain records.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (I do not know) with ALLY FINANCIAL INC. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have a judgement listed on my credit report however I have never had an account with Ally I have disputed this several times and requested copies of signed contracts and I 'm getting no response Judgment COURT NUMBER XXXX CASE NUMBER XXXX DATE FILED XXXX XXXX, 2015 STATUS DATE PAID AMOUNT {$12000.00} PLAINTIFF Ally Financial Inc ACCOUNT HOLDER Individual CATEGORY Legal Item

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 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Transunion has refused to remove a voluntarily dismissed Chapter XXXX Bankrupty filing ( reference number : XXXX ) from my credit report causing me prejudice and damage. The filing was voluntarily withdrawn by myself and dismissed by the court therefore it was never a bankruptcy and should not be adversely affecting my credit report. My creditors were not harmed in any manner by the filing nor the withdrawal/dismissal and they did not experience any financial loss whatsoever in any manner therefor this item should not be allowed to cause me prejudicial damage.

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 06-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received repeated calls from a company claiming to be collecting a debt from a XXXX year old XXXX acct in the amt of {$42.00}. I asked repeatedly to send me a proof of debt or anything showing a bill where I owed. I never received anything from them but, an email with a letter attached with their company letter head and a line saying I owed them. Then during this process I moved to XXXX and started the finance process of buying a home. Due to the amount of time it takes up here to close my credit with the lender expired causing them to run it again. When they ran my credit again my score dropped XXXX points thus raising my rates because Enhanced Recovery Co. ( ERC ) reported the {$42.00} debt to the credit bureaus. I immediately called ERC and disputed the claim. They advised me that the only form of communication sent to me regarding the debt was mailed to an address I no longer live at in XXXX. I asked why they never contacted me in other ways ( phone call or email ) and they gave no explanation. They emailed me a letter ( illegal in the XXXX ) that went to the credit bureaus ( attached ) at that point requesting it be deleted from my record. At this point my mortgage has risen from {$1800.00} to {$2000.00}, up {$160.00} a month over a {$42.00} debt that no one has provided me any proof of owing. How is this legal? I close on my house in a week and XXXX XXXX has asked for a " rapid re-score '' but the timing of the credit bureaus removing is not immediate and the company that re-scores takes 3-5 days and is currently waiting on an additional verification from ERC that it was submitted for deletion? How do they get the right to verify the deletion when they received a letter from ERC but I am not provided with any verification when I request it. All of this over {$42.00}.

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 01/30/2017 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: ECMC would like me to apply for loan consolidation and loan rehabilitation with Income driven repayment plan. Under the new Income driven Payment plan ECMC would like to change the interest rate of my loan from fixed 3 % to 18.5 % I do not accept the terms of their loan consolidation. My loan is fixed 3 % for the life of the loan. 

I do not have the ability to pay. I am not going to accept a new term and new interest rate from a company.

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 05-07-2017 about Mortgage (Conventional home mortgage) with BOK FINANCIAL CORP (CO).
Issue: Trouble during payment process

Complaint: The Lender is BOKF NA  DBA  Colorado State Bank and Trust  (    CSBT ).
CSBT is overcharging for PMI and adding costly cancellation-related   fees including home appraisal fees despite a signed PMI contract indicating automatic PMI cancellation on a specific date indicated on the Amortization Schedule.     PMI was to be automatically cancelled on   XXXX   XXXX  2017    per our contract, which states : " If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property, based solely on the initial amortization schedule for your loan and irrespective of the outstanding balance of your loan on that date. This date is   XXXX   XXXX  2017    ''.     We are current on our payments, have never missed/been late on a payment, and therefore should no longer be paying PMI as of   XXXX   XXXX  2017   .      CSBT  did not automatically cancel PMI on   XXXX   XXXX  2017    per our contract. When questioned, it was state d by CSBT that  " their policy changed '' and now require the borrower to submit a written request and submit payment of {$150.00} for a Brokers  Price Opin   ion. This is additional to the extra PMI we are currently still being charged, {$230.00}.
CSBT is failing to honor the contract and acting very " matter of fact '' aga  inst honoring the contract.

Company response to consumer: Closed with explanation