milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MS).
Issue: Struggling to pay mortgage

Complaint: There was a notice sent regarding the home being sent to foreclosure, but the letter only listed the date and time. The notice did not include an reinstatement amount. The reinstatement amount was sent on  XXXX / XXXX /   2017, less than 48 ho urs before the said foreclosure sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We went online to get our tax statement from the mortgage company online and see our monthly balance for payment has an increase of $ XXXX. It says not enough money in escrow. We purchased a house 2 years ago. After the first partial year of having a mortgage, we received a letter with a check from NationStar saying your escrow is too much, giving us {$2400.00} plus reducing our escrow account by another $ XXXX. I called them and said this seems like a lot of money, are you sure you wo n't short us or in future years jack up our rates. The response oh no, we are pretty good at this and it shows we do not need this money. So you can apply it to your principal or cash it, its your call. So we put it in our savings. Now this year, no notice, although their online system says they sent a letter on XXXX, never received it, that our escrow is short. So now they need {$2700.00} dollars to cover the shortage, plus raising our monthly escrow amount. All this equals $ XXXX increase. Now we only have 10 days before our insane mortgage payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: EQUIFAX IS REPORTING SOCIAL SECURITY NUMBERS THAT DO NOT BELONG TO ME ON MY CREDIT REPORT AND I HAVE SUBMITTED MY SOCIAL SECURITY CARD AND PROOF OF IDENTITY TO THEM SEVERAL TIMES AND THEY STILL HAVE NOT REMOVED THEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Credit bureau is in direct violation of FDCPA and FCRA, not properly validating negative accounts.

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 12/29/2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (MD).
Issue: Trouble during payment process

Complaint: I am attempting to request XXXX XXXX for the year XXXX and XXXX. Freedom Mortgage outsourced my loan, unbeknownst to me, and claims they do n't have access to my records. I have called their company multiple times on XXXX & XXXX only to get different answers from them each time I call. They have given me the number tot he company which they claim has my information, a company I never signed paperwork with, yet every time I call that company and enter my personal information I get transferred right back to Freedom Mortgage as they 're my mortgage company! I tried calling the other company without entering my information and I am unable to get through to a persona and at one point stayed on hold for over one hour ( I can provide phone records ). 

I spoke with an escalations person at Freedom, XXXX, and she told me Freedom can not get my XXXX XXXX for me that I have to deal with this outsourcer even though I never agreed to allow my account to be transferred. 

The only time Freedom wants to speak with me is when they 're trying to get me to refinance my house, so they only able to help with sales calls, not service calls. 

Additionally, in XXXX they failed to perform a mortgage/escrow analysis for over one year as a direct result of them oursourcing my account to a third party. They claim it was n't their fault because they were n't handling the loan, but I opened the loan with them! 

It appears Freedom opens accounts with customers then sends their business to subpar vendors and washes their hands of any responsibilities to their customers. Yet they will make frequent sales calls to you.

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 05/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Midland Funding had posted a debt under a different name, I had it challenged and DELETED from all XXXX Credit reporting agencies, now they re-filed it under XXXX to try and get this debt again! This is illegal practice and a complete violation of my rights under the FCRA. I want these posts removed immediately. This company is on every ripoff report ruining people 's good names.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo Home Mortgage failed to deduct my automatic mortgage payments from my bank account in XXXX 2016 as scheduled due to no fault of mine. This resulted in a late payment being reflected for XXXX in my credit reports. I have spoken to WF numerous times since XXXX XXXX, 2016 trying to ensure that they correct this information with the credit reporting agencies. WF sent me a letter dated XXXX XXXX, 2016 stating that they had updated this information with the credit agencies. I will upload this letter for your review. I continued to monitor my credit report information and did not see that corrections had been made. When I called WF on XXXX XXXX, 2016, I spoke with XXXX XXXX, Executive Resolution Specialist, and he said that the XXXX payment was shown as late and it was reported in XXXX. He said the negative reporting was done XXXX XXXX, and the negative reporting was also surpressed on XXXX XXXX. He sent me a letter dated XXXX XXXX, 2016 documenting that they had submitted corrections to the XXXX credit reporting agencies in order to remove the late payment reflected on my credit reports. I have never been late on my mortgage payments, and have spent hours on the phone with the WF and the credit reporting agencies. When I spoke to XXXX on XXXX XXXX, 2016, they informed me that the correction has not been received or posted yet and I submitted another online dispute with them ( letter attached ). XXXX has also not received or posted the updated information to correct my credit report, and I submitted a dispute with them also ( letter attached ). Per my call to XXXX on XXXX XXXX, they indicated that they have corrected my credit report, but I am also concerned that this may change since the credit reporting agencies share information. I am asking for your assistance to intercede on my behalf to resolve this issue. I would also appreciate receiving updated credit reports from the credit agencies, since I pulled my once a year free credit report in XXXX for all XXXX credit agencies. In XXXX my credit score was XXXX. In XXXX, it fell to XXXX. In XXXX it was XXXX. Gratefully, I am not trying to buy a house or a car at the moment, but I am very concerned about ensuring that my credit reports continue to reflect accurate information. This is vital not only to my financial profile, but also to me in my employment for the government because my job requires credit background checks for our security credentialing process. Please contact me if you have questions or require further information. I appreciate your assistance in resolving this matter.

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 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Hello ; how are you?     My credit report states that my oldest credit line is 15 years, but, in actuality, it is more like 27 years.     Please advise. I look forward to hearing from you soon.     Thanks so much ;  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Debt collection (I do not know) with Receivables Performance Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: First of all, there was a valid collections account that I settled with XXXX/collections in XXXX of XXXX. It has been on my credit report as settled ever since then, with commensurate effect on credit status all of this time. In my attempt to rebuild my credit profile since that event, I have checked on my credit report religiously every month, sometimes as many times as twice a month. I recently checked my XXXX credit report via XXXX in XXXX of XXXX and all was ok. 
This morning, XXXX XXXX, XXXX, I checked my XXXX account and find that this same collection agency I settled the owed amount with back in XXXX of XXXX, is reporting me as having an OPEN collections account with them. They do not however, provide an account number. Suffice it to say that I have not, out of principle, started any cellphone business with XXXX since that phone issue was resolved in XXXX XXXX ( settled debt ), so there would be no reason for another account number. I also have not co-signed for anyone on anything - ever. So, I am at a loss. 
Understandably, I have just submitted a dispute with XXXX to that effect. 
My desire to file a complaint with the CFPB stems from the wanton abuse of Receivables Performance Management 's apparent ability to place a blemish on one 's credit report, creating an unnecessary snowball of a process I must now take to clear my name, all the while driving down my FICO credit score in the interim. It bears worth mentioning that I am in the middle of a refinance transaction and the effect of this irresponsible opening of an erroneous collections account report by this company could complicate the process.

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 01-09-2018 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: My wallet was stolen on Saturday XXXX XXXX. I contacted American Express Bluebird immediately. My card was closed but not before someone took {$230.00} out of my account in two transactions. AEB said I couldnt file claim until they posted. I called back on XXXX XXXX once transactions posted and filed a claim. They then sent me an affidavit which I filled out and sent back on XXXX XXXX. I was told Id have to wait 10 days. I waited and received an email stating they thought transaction was authorized. I called again on XXXX XXXX and they told me there was nothing I could do. They were not going to help any further and there was no one I could speak to in order to escalate my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2018 about Vehicle loan or lease (Loan) with LOBEL FINANCIAL CORPORATION (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: My Name is XXXX XXXX On or about XX/XX/XXXX I notified my lender Lobel financial that the way I receive my income had changed. I continued to notify them about the situation every month and it was not until around XX/XX/XXXX that I was told that there was a way to change your payment due date. I followed the process and they continue to not follow through on their end. this is causing me many months of late charges. which they laugh about and say I will pay them in the end of the loan.

Another thing I asked them around XX/XX/XXXXif they could pre qualify me to get another vehicle. They told me no they don't do that. They are a finance company that does not Finance loans? Anyways I found out later that the vehicle that I purchased had four accidents. I found this out when I went to trade it in? They new about this when I financed it. I believe that they use this predatory lending practice so that the consumer will have to keep the high interest loan for the term of the loan. Since the vehicle is actually worthless.

YOurs sincerely, XXXX XXXX XXXX   XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (CO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: continually contacts my employers phone after being told several time that it was a business phone. Additionally, calling third parties ( my parents ) and disclosing that I owe money

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: I opened a checking account with HSBC and provided all the requested information. They approved and opened my account and I deposited {$2000.00}. I did this in part because of their sign-up promotion : they promised I would receive a {$350.00} sign-up bonus for paying XXXX bills/month from the account for 3 consecutive months within 120 calendar days of account opening. 

I setup auto payments to fulfill the bonus requirements, which started for the first month. However, then I received a physical letter from them that they would be closing the account unless provided with more information. Since I was n't home at the time, I did n't see it, and then I received a note that my account was closed and that I could wire out my {$1900.00} remaining balance or wait to receive a physical check on XXXX/XXXX/16. 

They also blocked my online banking account so that I could not transfer my money out, so I decided to just wait for the check. However, when I called them XXXX/XXXX/16 to inquire about where my money was, they told me that my account was no longer closed after all ( while acknowledging the earlier communications they sent indicating that it was closed ). So no check was mailed and the money was still with HSBC. I tried logging in again and was still blocked, so I had to call back and wait on hold until they gave me access. I also realized that they had " closed '' my account for so long, it would not be possible for me to fulfill their bonus requirements. 

So I decided to close my account because of their repeated efforts to prevent me from accessing my own accounts and funds, thereby also making it impossible for me satisfy their sign-up bonus requirements. However, when I called their customer service on a weekday afternoon during their business hours, they put me on hold for nearly 30 minutes and refused to let me close my account. They finally told me to call back another day because I 'd been on hold for so long they were about to close ( this was on a call to HSBC on XXXX/XXXX/16, with reference # XXXX ). 

HSBC encouraged customers to sign up for a checking account to receive a bonus, blocked access to my account for long enough to ensure the bonus requirements could not be achieved, promised to close the account and return the deposited funds - but then withheld them and reopened the account so that I would unable to access my funds for over two months while also not being able to benefit from their sign-up bonus, and refused to allow me to close my account and withdraw the funds. This was intolerable behavior, and I 'm writing in the hopes that the CFPB can help me get my money back and force HSBC to pay some type of reparations for making their {$350.00} bonus impossible to receive, while holding my money against my wishes. 

Thanks so much for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2015 about Debt collection (Federal student loan) with AES/PHEAA (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Federal Student loan servicer for the Department of Education ( PHEAA operating under XXXX XXXX ) is reporting in excess of XXXX error on my credit report, including incorrect open dates, incorrect balances, the lender is not reporting payment history, erroneous derogatory remarks/comments, account status, and erroneous delinquent payments. The lender placed me in an authorized period of non-payment ( forbearance ), retroactively. The updates to my account cleared all delinquencies, and started my authorized period of non-payment ( forbearance ), beginning XXXX. However, the lender states they are not required to follow Fair Credit Reporting regulations per guidelines provide by the Department of Education. However, no one within the Department of Education, the lender 's office, or the Ombudsman has been able to provide a guidelines put forth by the Department of Education, directing federal student loan servicers to disregard the FTC governed Fair Credit Reporting Act, and continue to report delinquencies which has been removed from their system due to a retroactive forbearance, which is defined by the department of education as authorized period of non-payment. The Lender has is picking and choosing which information they want to report regarding my loans, most of which is grossly inaccurate. I have been requesting resolution on this issue since XX/XX/XXXX, which has included disputing the information with the credit reporting agencies, the lender, the ombudsman, and the lenders advocacy service, but have yet to receive the financial audit or the credit report corrections I have repeatedly requested.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (PA).
Issue: Money was not available when promised

Complaint: I went to a Western Union agent and sent money to my wife, I am in XXXX she is in XXXX After completing the transaction on my end my wife showed up presented her valid Photo Drivers license and they have refused to give her the money because they say they cant issue it because of her name is to common based on regulations issued by the XXXX, when I contacted them this is what they say we have to provide I am not comfortable sending ID information through XXXX XXXX & how can they guarantee it will remain secure. And how would the agent at the mom & pops store even know if I send it to WU and they do not have a computer or a screen on their register to even verify it is my wife.. here is what they have said on XXXX ... ... ... ... ... .To complete this transaction, Western Union will need to obtain and review a copy of the receiver 's government-issued photo ID, for example, a passport, driver 's license, or any other national ID and additional verbal details. 
The copy needs to include both sides of the ID, and any government-issued photo ID, from any country, is acceptable. The customer should also include their place of birth XXXX city and country XXXX if not listed on the ID, occupation and residential address. 
Please also make sure the following information for the receiver is filled out in XXXX in the message to Western Union : Full legal name of the receiver : City and Country of BirthDate of BirthID NumberID TypeIssuing country : ID Expiration DateResidential addressOccupation ( please specify position, or business area ) .... 

for me to get a refund They want this ... ... ... if the receiver is not able to provide the required ID, a Letter of Explanation ( " XXXX '' ) is needed to let us know why the customer is unable to provide ID. If the customer must pursue this option, the following information must be provided in the LOE by the sender : Content of Sender Letter of Explanation : o MTCNo Full legal name of the receivero Date Of Birth of the XXXX City and Country Of Birth of the receivero Relationship between sender and receivero Purpose of the XXXX Explanation why ID copy can not be providedo Occupation of the XXXX Address of the receivero Sender 's signatureproblem is she has a valid photo id, I explained to them that I am not comfortable sending this info to them after having problems with my Identity being used or taken ... .As a disable/retired U.S. Veteran I understand being secure but they are asking me to give information my bank does n't even have, nor do I provide anyone ..How is some of this relevant to a simple money transfer??? and also what does our birth information and occupation having anything to do with it..That information would n't be on her Photo driver 's license anyhow

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing statement

Complaint: I have a Capital One Credit Card and when I make a payment I notice that the money is taken from my checking account immediately. I made this payment on the on XXXX/XXXX/2015 and my checking account was debited for {$400.00} on XXXX/XXXX/2015. I contected my bank and they stated the funds were paid on the XXXX/XXXX/2015. I checked my credit card account on XXXX/XXXX/2015 and Capital One still has not credited my account even tough they wree paid three days ago. This is the XXXX time this have happened to me after I made a payment and payment was paid by my bank. I feel if they take a customer mone from their account knowing that its clear and hold it I should be paid. I contacted the credit card company via chat and they refused to release the hold stating it will be released on XXXX/XXXX/2015 even though they know the money is cleared. I think is is illegal for a company to hold an individuals money even though they have been paid and the funds cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Someone has stolden my identification card with all my information in it, also says I have a morgage in which I never aplied for. I do not even have a house at this present time.

Company response to consumer: Closed with explanation