milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2017 about Debt collection (I do not know) with National Principal Group, LLC (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I have received numerous calls from various telephone numbers, this company is now contacting my family as well. They left a voicemail stating " if we can not verify this information through you the law allows us to verify information with all references on file ''. 
Upon research it appears this company is a scam, they advise individuals they have a debt for a payday loan, I have never had a payday loan ever.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage serviced by CitiMortgage Inc., account number XXXX. They have sent me a XXXX page letter explaining that they need to raise the monthly escrow payment about {$42.00} per month or {$500.00} per year. BUT NOWHERE DO THEY EXPLAIN HOW THEY CALCULATED THE " Expense Increase ''. My mortgage escrow is for taxes only. Taxes are collected in XXXX and XXXX. The XXXX payment and the XXXX payment are the same ( within one penny ). The XXXX payment was {$5600.00}, and I reckon the XXXX payment will be no more that {$5600.00}. Last year 's XXXX bill was XXXX, so there was an annual increase of about {$300.00} between XXXX and XXXX. The stated Low Point in XXXX was {$1400.00}! And they collect {$930.00} each month. If you escrow the tax payment ( {$5600.00} x XXXX / XXXX ), it equals {$940.00} per month, not the {$960.00} that Citimortgage is demanding. Moreover there will be over a {$1000.00} or XXXX % surplus in the mortgage account. Please investigate this unlawful practice. Where does it say that I have to have two month 's reserve at all times? In another place in the XXXX page form, they say that the miscalculation between XXXX XXXX and XXXX XXXX was only {$120.00} not {$390.00}. I do n't need pages of explanation. I need hard facts as to why they think the taxing authority is going to raise taxes in XXXX XXXX that would equal a XXXX % increase from XXXX taxes. Please help. I have no legal recourse except through 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 12/27/2016 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan switched to Dovenmuehle on XXXX XXXX, 2016, loan number XXXX. I set up my on line account. On XXXX XXXX at around XXXX XXXX XXXX, I tried to login but could n't. I first pressed " forgot user name '' and got my user name 'mlestina ' by email. I then pressed the " forgot password '' button, answered a lot of security information, but never received a link as promised. I was left to keep trying different passwords until I was locked out. I tried calling in to correct this at XXXX but was on hold for over 30 minutes and gave up.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Mortgage (Reverse mortgage) with Peer Advisors, LLC (NE).
Issue: Struggling to pay mortgage

Complaint: Reverse Mortgage reported to have taken place on  XXXX   XXXX ,  XXXX  in TN.   XXXX   XXXX   regarding mortgage reported to have taken place but Mortgage  Servicer,   CeLink  in Michigan has not shared any information with new conservator. The former  Power of  Attorney for elderly  XXXX  man that obtained the reverse mortgage is suspected to have pressured him into taking out the mortgage. That Power of attorney has since been relieved of her position by the court and criminal charges are being considered. The new power of attorney and conservator is trying to stop the foreclosure and court house auction scheduled for  XXXX   XXXX ,  XXXX  in  XXXX  TN. The person being foreclosed on is  XXXX   XXXX   XXXX , has  XXXX  and multiple physical health conditions, the former POA placed him in   XXXX   XXXX   on  XXXX   XXXX ,  XXXX  and where he remains, unknown to family members until family found him. Evidence at this time shows that the mortgagee gave her POA in  XXXX  and since that time she violated her power by selling of other land property, used his social security benefits and retirement pension and funds from the reverse mortgage.  Mortgagee w ants to return to his home and arrangements can be made for him to return to his home if CeLink Mortgage  Servicer  will stop the foreclosure which the family believes was fraudulently conceived and executed by the former  POA and that Mortgage Servicer is aware of at this time. The mortgage Servicer was  contacted by email on  XXXX   XXXX ,  XXXX  and request was made by this complainant to stop the foreclosure. The sale of the property was delayed from  XXXX   XXXX ,  XXXX  to  XXXX   XXXX ,  XXXX  but that time has not been sufficient, and the mortgage servicer has not submitted needed documents about the mortgage to allow the family to take legal action against the former POA or the mortgage servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I 've tried to get my annual credit report from Experian. They say the answers I gave to their security questions are wrong ... ..MY ANSWERS ARE CORRECT!!!!! Their information is incorrect!!! I 've tried to reach them by phone which just redirects me to their website ... ..worthless!!! I tried to write them a message via their website to let them know what was going on and I got an error message there too!!! I want someone to straighten this mess out so that I can have the annual credit report I 'm entitled to by law!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: After pulling a copy of my credit file I noticed an account being reported that I did not recognize. I notified the  CB, requested that they remove it, and they responded that it has been verified as mine. Questioning this response, I ( per the law ) requested all supporting documentation that was used to verify this account, along with the name and number of the individual from the CB that " verified '' the account and the name, number, and title, of the individual from the creditor that furnished the documents. I have sent multiple requests and have never received a response other than " the account has been verified. '' and directed me to contact the creditor. This is NOT acceptable and a clear violation of 1681 ( a ) ( 4 ). Under Section 611 ( 5 ) ( A ) of the FCRA the CBs are required to p romptly DELETE all information which can not be verified. Ignoring the consumer, avoiding their legal requests, and passing the responsibility onto them is NOT acceptable.

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 06/30/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: In 2014, my husband passed away. I am on the deed and mortgage for the property, however, I am not on the note. HFC will not speak to me. XX/XX/XXXX, I sent a Notice of Error requesting that they discuss the account with me. My attorney sent a letter with a release and we never received a response. I need to talk to my Servicer because there is a balloon payment in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (Mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I am attempting to clear up my credit reports after the final judgment on a statutory mortgage fraud and wrongful foreclosure lawsuit ruled in my favor. 
The reported no payments on the credit reports are court ordered as the foreclosure process was illegal and invalidated the Promissory Note and Deed of Trust is inaccurate because the court ruled in our favor declaring the aforementioned actions as illegal and thus voiding the lien. I am requesting that the item be removed or updated to show paid in full to correct the information. 
Another part of the case involved the Mortgage Broker that was illegally brokering Mortgages without a license in the State of Texas through XXXX XXXX XXXX. The mortgage began XX/XX/2008 and involved XXXX lawsuits before final judgment was passed against XXXX XXXX XXXX XXXX in XXXX, Texas and their leaning to Accelerate the loan and all our possessions which is illegal in the State of Texas. Roundpoint Mortgage Servicers is the company, along with XXXX XXXX that put the pressure on us and refused to speak with me, the XXXX person on the mortgage simply because it did n't fit their paperwork system. 
I have challenged this through the credit bureaus three times now and RoundPoint refuses to close this and wipe the slate clean. 
This is doing irreparable harm to me as a XXXX veteran health wise and financially.

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 07-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NRA Group, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted National Recovery Agency with a debt validation request and they failed to respond to my request. Please investigate this matter. I do not recognize this collection account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (VA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: On XX/XX/XXXX    I received a letter from  Toyota Financial Services ( TFS ) s tating that they paid, on behalf of me, {$110.00} to  XXXX   XXXX , Virginia for personal property taxes for th e 1st  half of  XX/XX/XXXX  (    XX/XX/XXXX -   XX/XX/XXXX  ) . My car lease was terminated with them   XX/XX/XXXX   so the prorated amount per  the county  was only {$72.00} for the year.  The county  verbally confirmed that, due to the " Secrecy of  In  formation Act '' t hey were unwilling/unable to provide me a copy of the bill or information as to whether or not the account had been overpaid and a refund issued to  TFS.  They stated as the Lessee I am technically not on the account and thus this information could not be released to me.   I explained this to TFS on   XXXX   when I called in and they indicated that they had no record of this and that if a refund was to be made to them it would take them upwards of 6 months to refund it back to me. I have experienced this inaction on their behalf before when they mistakenly double charged me personal property taxes for the year of  XXXX . It took them 6 months to resolve the issue before and that was with an excessive amount of action on my end as the consumer.  <P/> They were very courteous in the past but now that I am no longer an active customer to them I simply owe them money and are unwilling to look into this further for me. I fear I will not see this {$41.00} again as they have nothing holding them to customer satisfaction at this point, and  the county  is unable or unwilling to assist me.  <P/> In my opinion, with a potential 6 month waiting period interest should be tacked on to the money they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Hello My name is XXXX XXXX and I am a XXXX born citizen. I have been working for XXXX XXXX XXXX XXXX for over 20 years. 
Wells Fargo and XXXX  XXXX XXXX closed both my checking and savings accounts for no reason what so ever and with no explanation. 

I truly believe they closed my accounts due to my last name -I am being discriminated against!!!

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 04/28/2015 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a loan modification from OCWEN and have made all the payments before the due date but they have assessed a late charge for every payment and have ignored my requests to have them removed even after I provided bank records. I assume they have reported the late payments to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Capital Accounts, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: There is no longer a contract for this debt and it was paid. I do not owe this debt. I did not receive a notice to dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Auto debt) with CAVALRY INVESTMENTS, LLC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Contacted this company via phone and they transferred me to several different departments and stated that they could not locate me in there system. Asked each  one to send me a letter stating I do not have and account with them  and they refused stating that it was illegal. I informed them that it was illegal to put an account on my report that did not belong to me as well if they do not have any validation. This company has not send me anything in writing or email or via phone. All my information my name telephone number and email was given.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (LA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: i graduated in XXXX with multiple student loans totaling $ XXXX. Also due to being a full time XXXX XXXX i also accrued about {$7000.00} in credit card dept. since the time of graduation i have attempted to inform PHEAA multiple times that i cant afford the cost of repayment that the company was asking. PHEAA also quit sending my payment by mail about two years ago. when questioned last month about why they told me that they have been sending via email and that they did not have to send me notices at all it was just a courtesy. they were sending notices via email with i never signed up for. PHEAA is unwilling to work with me and has now placed my loans in default. i signed up for the public service repayment program. this program is not only a unfunny joke but is detrimental to the public servants it takes advantage of. 
i have been trying to figure out how the XXXX this is a loan forgiveness program when they wanted me to pay {$160.00} a month for the next 10 years lets do the math ( XXXX*12 ) =XXXX*10= {$19000.00} are you kidding me. i could have paid this loan off over the last five years and paid less in interest and for the loan period. i also understand that Massachusetts AG has filed suit against this very company for taking advantage of people that only want to help people.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian is reporting information regarding XXXX BANK XXXX .... on my credit report, and their system refuses to let me re-dispute. No other CRA is reporting it, only Experian. Creditor 's statement : Account transferred to another lender, and Experian refuses to investigate the name of that lender. Moreover, I have no knowledge of the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX, Fifth Third Bank purchased my mortgage from XXXX XXXX. XX/XX/XXXX, Fifth Third Bank sent a letter informing me of a shortage in my escrow that I needed to pay immediately or increase my monthly mortgage payment. After many calls dealing with unnamed Fifth Third customer service mortgage reps, I came to learn that Fifth Third Bank had decided to pay, or claimed to have paid, PMI payments for periods prior to their purchase of my mortgage. I informed them that the payments had been made by XXXX XXXX in a timely fashion and that any mistaken payment made were not my responsibility. 
My contacts at Fifth Third Bank were supervisor XXXX at XXXX and his manager, XXXX. Both failed to resolve their error and demonstrated poor listening/customer service skill. 
XXXX of XXXX XXXX at XXXX XXXX has been excellent in her service in her diligence and followup in an attempt to show the payments I had made were apportioned correctly and distributed to the appropriate departments completing all requirements by providing documents to me and directly to Fifth Third Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
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: this orignal account was paid and agreed to be removed from my credit reports. when disputed with XXXX and XXXX,,, this account was removed from my account,,, however,,, XXXX continued to continue reporting this as accurate information even though i had disputed correctly and given documents of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AZ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Citibank has been sending me a late payment statement even though I pay my Bill. Sometimes they send it with my Bill.. I have called them several times and am told I did not pay my entire Bill. I called the home office and am told the bills are correct. I even paid almost double my bill at one point and still got overdue notice. This month ( XXXX ) I once again I got an over due notice after paying my bill. I have started recording conversations CitiBank employees.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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 submitted disputes to the 3 credit reporting agencies on XXXX/2017 to have deleted from my files 3 tax liens and an dismissed bankruptcy in accordance with the National Consumer Assistance Plan that went into effect on XX/XX/XXXX of this year. As of today, XX/XX/XXXX, the only updates from the 3 bureaus are that they show dismissed, which is unacceptable.

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 06-12-2015 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I contacted PennyMac mortgage for deed in lieu in XXXX of XXXX. My home in Alabama had been on the market since XXXX of XXXX ( now over 28 months ), I suffered job loss in XXXX of XXXX and moved to Texas for employment in XXXX of XXXX. The home is located in an economically depressed area and I have not been able to sell. 
Before I could be considered for deed in lieu I was told by PennyMac that I first had to apply for modification ( denied in XXXX of XXXX ). I was then told that I had to apply for a short sale before I could be considered for a deed in lieu. Both the deed in lieu and short sale were denied in XXXX of XXXX based upon their XXXX XXXX appraisal. However I continued my attempts to avoid foreclosure by listing the home which failed inspection by a potential buyer in XXXX XXXX which I provided to PennyMac. I subsequently obtained my own appraisal in XXXX XXXX which the PennyMac refused to consider because it was substantially lower than that obtained by PennyMac in XXXX XXXX. After another purchaser presented, PennyMac refused to consider a short sale and finally repeated their appraisal which still is considerably higher than the market will bear. 
I had contacted HUD who suggested that I undergo credit counseling which I did. Both HUD representatives and the XXXX credit counseling agency were concerned regarding my experience with PennyMac and apparently mine is not an isolated incidence. I currently have a buyer ( short sale ) however while PennyMac has finally decided to present my file to HUD, they are not being forthcoming regarding information required from me and although this information has been previously provided, I am concerned that " lack of information/compliance '' will be used as a means to terminate the short sale and proceed with foreclosure which is now scheduled for XXXX XXXX, XXXX. 
I am in disbelief that PennyMac maintains the position that foreclosure is a better financial alternative to a short sale. My credit has been significantly and adversely affected by PennyMac 's commitment to proceeding with foreclosure as the representative has also refused to intervene and place these proceedings on hold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation