milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2018 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NV).
Issue: Trouble during payment process

Complaint: I signed up for automatic payments at the inception of my loan. Records show I enrolled XX/XX/XXXX. In XXXX, an auto payment did not process, and I had a late payment that I manually processed. Each month, I go to the servicer 's website a couple days before the XXXX to see that it's set to take the automatic payment. This month, I went to the website on XX/XX/XXXX, and it said the next payment was scheduled for XXXX, and the previous payment was XXXX. There was no record of a payment that would process or that was in process for XXXX. On XXXX, I checked my bank account, and no payment was processing for my mortgage. The servicer 's site still did not show any payment scheduled or processing for XXXX. I made the payment manually on XXXX so my payment would be on time. Now on XX/XX/XXXX, an automatic payment is processing in my bank account, and the servicer 's site shows two payments received on XXXX. To compound the issue, both payments on XXXX are being applied to principle, interest and impounds ; however, the terms of the Deed of Trust require the additional payment be applied to principle due since interest and impounds were already paid with the first payment. When I contacted the servicer, they said they wouldn't allocate the payment differently. They invited me to send documentation to a fax number to request payment reimbursement, and indicated it will take XXXX weeks before I have my money back, after I send in the information. I tried to unenroll in the voluntary automatic payments, and there is no option to stop the automatic payments from the website.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Went through XXXX XXXX XXXX which made an agreement with XXXX XXXX XXXX in the amount of XXXX through the law office which was representing XXXX XXXX. Payment made for the first XXXX and then the second payment of XXXX was made on XXXX2016 over the phone to the law office from XXXX XXXX. I have the receipt with transaction number. I was not aware this was not cleared till 15 months later when I received a letter from XXXX XXXX telling me I was delinquent. I have spoken to many individuals at XXXX XXXX who keep telling me they are working on it and have not resolved receiving the payment from the law office. They keep telling me they are trying to resolve it but meanwhile this still is sitting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NE).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX we worked with XXXX XXXX XXXX home modification, we were approved in writing and getting ready to make our modified payment and the next week we received a notice saying we were denied, we worked with our loan coordinator to find out why. Our loan coordinator told us to resubmit the modification, in the process of resubmitting our modification we received a notice that our loan was being sold to Carrington home Mortgages as of XX/XX/XXXX and our home is in foreclosure. I called XXXX XXXX  XXXX again this time the loan coordinator we were working with was no longer with the company and we now had a new one, in speaking with her she said " well your loan was sold and we no longer have any information on your loan, you will need to call Carrington home mortgages ''. I called Carrington on XX/XX/XXXX they told me that it is a new loan and they would n't have any information on the loan for up to 60 days. I told them I did n't have 60 day because my house was being foreclosed with a sale date of XX/XX/XXXX, they told me not to worry that, that Carrington owned the loan and that XXXX XXXX XXXX can not sell your home because we now own the loan, she said call back next week and see if we have your information loaded. I called back on XX/XX/XXXX, they still did n't have the loan information loaded they again told me not to worry that there would be a 60 day grace period and no sale should happen. They told me to try again next week to see if the loan information was loaded, I called again on XX/XX/XXXX this time they sent me to the collections department at Carrington, they told me that it was partially loaded but we were in foreclosure and there was nothing we could do or they could do to stop the sale, I said we were told to submit a modification, she told me that it was to late and nothing we could do our house was going to sell at foreclosure. I was told by 4 attorneys that this is how XXXX XXXX XXXX gets by with foreclosing on people they sell the loan right before the sale date when they know that it takes a while for information to be transferred to the new company therefore there is no time left and people are left without a home. All we want to do is pay our mortgage and keep our home we have lived in our home for 11 years, we have a XXXX XXXX child, and this is very traumatic and stressful on all of us. We are looking for any help to save our home before XX/XX/XXXX which is our sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A student loan from the Department of Education app [ ears on my Transunion credot report for {$33000.00} ... ... ..It reports this as a still open account with a balance. This account and loan has been paid off and there is a zero ( XXXX ) balance. It reports correctly on XXXX. this needs to be updated and corrected, and removed from the report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Mortgage (FHA mortgage) with Selene Finance LP (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I recently applied for and received a loan modification from Selene Finance. Between the time that the loan modification paperwork was executed by Selene and the XXXX XXXX, 2016 statement, I anticipated that a XXXX payment would be due and did not want it to be late. Therefore, on XXXX/XXXX/2016 I sent a check to the bank and it was received. Two days after I mailed the XXXX payment, I received the XXXX statement from Selene indicating that a $ XXXX was due XXXX XXXX and that my next regular payment would be due XXXX/XXXX/2016. So I called them and asked them to credit the payment that they would be receiving to the principal portion of my account. They denied the accuracy of the $ XXXX statement saying that a system glitch had sent out the statement. However, I again received a statement today confirming that a XXXX - NOT XXXX - payment would be due on XXXX/XXXX/2016. Can you help me to get credit for the XXXX payment that I sent in and have it credited to the principal balance? Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Debt collection (Other debt) with I.C. System, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I called this creditor in attempt to come to a settlement for this debt and they said they have no records of me ever having an account with them. They looked up the debt owed under my name, my address, social security number, and birthday and found no record of the account belonging to me. I was told by the agent to dispute so it could be taken off of my credit report which I did but the debt is still on my account. The debt owed does not belong 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 explanation
Consumer complaint received 03/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am filing a complaint on ERC that has added a collection to my credit report on a debt that is more than 8 years old and should be deleted from my credit record once and for all. This account was with XXXX in 2007 then with XXXX that is logged several kinds of ways on reports to camouflage them selves this account must be delete from my credit report. Credit reports provided as proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stuart-Lippman and Associates, Inc (IN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was contacted by a Debt Collection Company on a debt against me and my company. I asked several times for them to send me proof of Debt, Itemized debt ... I was then submitted a letter saying if I refused to comply within 48 hrs I would be subject of an investigation of my personal bank accounts and property. After speaking with this very rude individual by phone and email. I stated that I would need any further documents by mail only. He continued to email me several times and call my work phone throughout the day. I informed him that I was familiar with FDCA and he would need to contact me by mail, with proof of debt. he continued the harassing by phone and email.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I went into a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX Bldg XXXX XXXX, Ga XXXX the other day. While I was there my girlfriend was trying on rings, the manager pulled me to the side and told me he could do a quick check to see what kind of financing I would qualify for when the time comes. He clearly advised me this was not an application for credit, but a means of seeing how much credit I could be preapproved for. I even double checked and was clearly assured by XXXX XXXX and XXXX that this was not an application for any type of credit and would not cause a hard pull on my credit report. It turns out they were both knowingly lying and filling out a credit card application on my behalf, XXXX XXXX even exaggerated my income and put down {$3000.00} per month after I stated {$2500.00}. This is an unfair and deceptive practice, at no point did I have the opportunity to see the terms of the product I was applying for as I was repetitively assured that I was not applying for anything. This experience exhibits the exact practices that UDAAP and Regulation Z aim to eliminate.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (LA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: The private loans I have through XXXX XXXX were switched to Navient. Navient is not very nice when it comes to loan repayment. After taxes, I bring home XXXX monthly. They have me on a payment plan paying {$250.00} a month. I am a single mother with XXXX dependents. I do n't find this to be affordable. They also try to dictate what type of lifestyle you should live and will only give you a payment plan if you fall within those guidelines. For instance, I got into a car accident and had to get another vehicle. Well I got an SUV, they denied giving me a repayment plan because the vehicle I was paying for monthly was not what I should be driving. The lady told me they only allow a vehicle to be XXXX or less when on repayment plans, absurd. I 'm so afraid to purchase a home because I 'm afraid of not being able to apply for this repayment plan again and be forced to pay $ XXXX monthly. They are n't considerate and I 'd like to know what I can do about this.
Also, many where part of the lawsuit with Navient that caused their loans to be deleted. If I happened to be part of that group would they delete my loans even though I 'm in repayment on a repayment plan?

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

Complaint: in XXXX 2017 it was revealed that Equifax had been hacked almost six months prior to the date of the public revelation of the leak. My personal credit information was included within the leak, but I was not contact or made aware of this leak until long after the leak had occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Ocwen took over our loan from Litton in   XXXX  . The interest rate on the ARM went up & we co uld n't afford the monthly payment. In   XXXX   XXXX    Ocwen ga ve us a modification at 2 % fixed and {$2700.00} payment which we could afford. In   XXXX   XXXX    Ocwen raised i t to {$3400.00} per month citing negative escrow balance. I called & they said my property taxes went up. Me and my wife work long hours, & it 's tough to find time to make phone calls or go to offices. I managed some time & went to    XXXX   XXXX   Tax  Collector 's office. I was told the property taxes have n't gone up & have stayed at about {$8000.00} per year. After several back & forth phone calls to  Ocwen, th ey could n't explain the reason for payment increase. They asked me to write to their research office in Florida. In    XXXX   XXXX    I sent them a letter asking for details on the negative escrow balance. They never responded.     In    XXXX   XXXX     Ocwen offe red us a modification & we made  two  trial payments of {$2400.00} eah in   XXXX   &  XXXX . They sent us the agreement to be signed and sent back with the last payment. Ocwen was raising our interest rate & adding a balloon payment of {$120000.00} which was never disclosed to us at the beginning. We did n't sign the agreement.     In   XXXX   XXXX    Ocwen ra ised our payment to {$4100.00} of which {$1900.00} is principal & interest & {$2200.00} is escrow. I called them & tried to get the details of how our escrow went negative when the taxes are included in the payment & are paid regularly, but they have no clear answer. We ca n't afford it and they have sent us a default notice.   This is me and my wife  's one &  only primary residence where we live with our  XXXX  kids  XXXX  &  XXXX , & my parents  XXXX  &  XXXX , & we will be in great distress if we lose our home. We are working with Save Your  Home Californ ia to help keep our home. I want to know the reason &  Ocwen t o provide proof as to how our payment went from {$2700.00} per month to {$4100.00} per month in less than 3 years.     On Friday,   XXXX   XXXX  , I read news about the lawsuit CFPB filed against  Ocwen. T hat made me realize that we are not alone. Thousands other families have similar problems. Then I visited this website to file this complaint.

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 11-04-2015 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Late fee

Complaint: I ordered a XXXX XXXX for {$2000.00} on XX/XX/XXXX. Since I opted for 18 month interest free option, XXXX set up the payments through Paypal Credit. Contrary to other financial and credit card companies, the management and payment was totally unconventional and difficult due to the following issues:1. PayPal would not send me statements in the mail - the normal way I schedule and pay my bills, even after repeated requests. The statements would be by email, which gets delivered or sometimes into spam folder. From the email, I have to go to the website to schedule a payment. 
2. I spoke to PayPal representatives and requested that payments be taken monthly from my bank account and gave the details as well. Some payments were taken, but on other occasions PayPal did not bother to take the payment, but just charged a late fee to my account. 
3. After several attempts to correct this, I paid off my credit balance ( {$1400.00} ) on XX/XX/XXXX and disputed the late fees. I find that the total fees charged were {$130.00}, of which {$70.00} was credited. 
4. I requested to have the rest credited as well. Paypal wanted to send the request by mail or fax, so I wrote a letter and faxed it to them. While waiting for the decision, Paypal started charging late fees for the disputed late fees. 
5. I called the company and told them that this amounts are in dispute and I will not be paying these. Also asked them to close the account and send it to collections. The representative responded by stating that they have the right to charge as long as they want and decide when to send to collections. My request to speak to a manager was denied. 
Now I find that they emailed another statement with additional late charges and interest charges. So the charges are increasing every month from original amount of {$60.00} to {$130.00} currently. 
This situation is totally unacceptable and I dispute these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I had my mortgage loan bought by Bayview Loan Servicing , LLC . Subsequently I am in the position to sell my house and the Law firm doing the closing requested a Loan payoff amount eight days prior to the closing. The law firm never received anything and they called Bayview two days before the closing. Bayview told them they could not provide information to them over the phone but I, as the owner, could get the needed information. I called and was told I could not get the info over the phone either. I requested the payoff amount through Bayview 's website and now was told it would take 48 - 72 hours. I tried calling back to speak with a supervisor to try to escalate the process and was forwarded to a voice message. I called back again and after an excessive wait was told a supervisor would not be able to speak with me for at least another hour and asked if the supervisor could just call me back. I finally agreed and never received a return call. I called again this morning and same scenario that the supervisor was handling other calls and would call me back. For something as simple as a payoff amount I can not get anyone to provide information to me. The law firm is experiencing the same lack of customer service.

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: Equifax, a company which I do not even give permission to collect my personal information, was breached in a giant nationwide hack. My personal information was included in the hack, putting me at risk for identity fraud and theft. I do not even know to what extent, or I was one of the 200k whose credit card numbers were included in the hack.
I work in software and understand that even the most diligent corporate entities can be breached. However, Equifax is attempting to capitalize on people 's misfortune by aggressively selling their ID protection services on both the website and the telephone to the very victims of this crime. They are also still charging people to freeze their credit in the wake of this emergency.
This unethical behavior coupled with the poor IT infrastructure and negligence is appalling and needs to be stopped. It 's akin to price gouging hurricane victims. 

I also am extremely concerned for my less tech-savvy friends and family who will likely not go check to see whether they are impacted by this breach. Why is n't Equifax proactively contacting people impacted to aid them in protecting their information? Why is n't some systemic credit freezing being done across all impacted parties? 

Equifax does n't even make our credit reports available online via XXXX. You have to FAX or mail in documentation. So monitoring whether our identities are being stolen is going to be nearly impossible. And only one free report a year - how are we supposed to see if it changes?
This thing is a mess. Equifax needs to offer free credit fraud freezes, notify the injured parties, and  offer people the ability to freely pull their credit report for the next year in the wake of this disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (NJ).
Issue: Struggling to pay mortgage

Complaint: My home was foreclosed on by M & T Bank on the following date, XX/XX/XXXX. This was after a six year process with both M & T Bank ( the current holder of the mortgage loan ) and Hudson City Savings Bank ( which merged with M & T Bank in XX/XX/XXXX) submitting multiple loan modifications. I received via regular postal mail on XX/XX/XXXX the 'Notice of Demand Of Possession ' attached in this compliant - three notices total as you will find addressed to XXXX XXXX , XXXX XXXX , and Tenant/Occupant. Within these letters, both M & T Bank and M & T Bank 's legal counsel ( XXXX XXXX XXXX XXXX ) included incorrect and carelessly exposed information on the following : a ) The property listed as : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX is listed on two of the three documents sent. This is not the correct property associated with this case and sensitive matter. This is a breach of privacy and a violation of bank privacy laws ( federal and state ) against both myself and my spouse ( XXXX XXXX ), as well as the residents of the above stated property which was carelessly exposed. b ) The date of Sheriff Sale is incorrect on all three documents. XX/XX/XXXX on two of the documents, and XX/XX/XXXX on the other are all incorrect. My expectation at this time is that M & T Bank will conduct a full internal self investigation on this entire case ( File # XXXX, Loan # XXXX ) and the CFPB will act as the liaison. Sincerely, 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 01/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to any of my numerous requests to investigate, verify and remove some accounts from my credit file that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation