milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: I paid my  XXXX  bill on time. The escrow in the account was just re-evaluated and I sent in the incorrect amount. I paid {$820.00} when I should have paid {$870.00}. This is totally my fault that I did not put the entire amount correct due to the escrow change.   My contention is that the mortgage was paid the other amount goes into an escrow account until needed.   They sent information to the credit companies stating that I did not make a payment. I clearly made a payment but I have been treated as if I had paid nothing. This was clearly a mistake on my part. The problem is being treated as if I did not even attempt to make a payment. As a result, m y credit score  has dropped by  XXXX  points.  <P/> I have asked that they send a retraction to the credit companies and they will not do so.  <P/> I do not know if this is a federal regulation or if this is company  policy from my Ditech my mortgage company.    I need more help than just a supervisor saying no we did not receive the entire amount and I ca n't help.   I work hard to impro  ve my credit score and this has destroyed it from a very good score down to a average score.
I do not have the choice to p  ay my taxes and insurance on my own, and do not have the choice of changing my loan servicing company. At this poin this is what I would like to do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Subject : Regarding Equifax credit report Dear CFPB, I am victim of identity theft. Someone got car loan with my details from XXXX XXXX XXXX. I sent all my documents such as SSN card, police report, drivers license and latest utility bill to three credit bureaus to prove that I live in my current address, did not buy any car in last 2 years, and so did not get any car loan from any financial institution. XXXX  and XXXX have investigated and removed the account from my credit report. However, Equifax is not removing the account from my file. I sent request to Equifax two times. They refused to remove the account from my credit file. Car seems to be bought on different address. Not my current address. I sent all documents to prove them that Im living in my current address for last two years and told them I didnt buy any car in last 2 years. I sent latest utility bills too. How can they add new address in my credit file in XXXX-2017 and send their credit file to my current address? It is odd. They sent credit file to my current address and added new address to the file. 
I have decided to bring this issue to your notice because Equifax is not going consider my request. Can you please work with Equifax and try to resolve the issue. I really appreciate your help in this regarding.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I received XXXX and XXXX credit reports online at AnnualCreditReport.com. 
Equifax, instead of displaying my credit report, I get a web page that says : " Online Delivery Unavailable '' and " We are not able to deliver your free Equifax Annual Credit Report online. '' Why not?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL).
Issue: Other transaction problem

Complaint: On XX/XX/2017 XXXX XXXX CDT I initiated a {$100.00} transfer to the XXXX using Moneygram and received an email with a reference number : XXXX. There was also a statement in the email " Your money transfer has been initiated and will be deposited to your receivers account as designated. '' On XX/XX/XXXX I checked the transfer and it still showed a status of " In Transit ''. I called Moneygram and after being transferred several times was told that Moneygram did not feel comfortable transferring the money. I asked why, and was told that they could not give a specific reason. They said they would refund the money to my account in 2 to 3 calendar weeks.
<P/>
So on XX/XX/XXXX, I initiated another transaction of {$100.00} to the same person. I received another email with the reference number : XXXX and again stating that the money will deposited in the receiver 's account. I called Moneygram later on XX/XX/XXXX and XX/XX/XXXX and again was told that they did not feel comfortable transferring the money and the money would be refunded.
<P/>
1. I do n't understand why they will not divulge what the reason is. In the past year I sent about 15 transfers to the same person, all around {$100.00} or {$200.00}. Why all of a sudden do they feel " uncomfortable ''?
<P/>
2. Why does Moneygram send me an email verifying that the money will be deposited and then afterwards cancel the transaction. They told me that the email is sent before their security team looks at the transaction. How XXXX is that.
<P/>
3. Why do they not even inform me that the transaction has been rejected. When I use their online system, it shows " in transit ''. No clue whatsoever that there is a problem.
<P/>
4. Why when I call do they ask for multiple pieces of information, and then transfer me 3 or 4 times and each person asks for the same information and then states that they ca n't resolve the problem and they have to transfer me.
<P/>
Moneygram worked fine for a year, but at this point, I would never do business with them again. Their customer service is the worst and they have some fundamental system problems.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MS).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: OnXX/XX/XXXX as previously before I disputed the accuracy of the late payments in my credit file in regards to the Navient accounts on my credit file. Navient keeps verifying the information is accurate without providing me with documentation. Complaint I am a prior service member and I was charged more than 6 percent on my loans. It was my understanding that my loans would be in hold as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with NationStar Mortgage. I try to pay my mortgage in aaaa advance by 1-4 months. I also pay extra principle with most all of these payments. I submit via mortgage coupon or wire transaction notes my instructions on which month to credit the payment towards and the balance towards extra principle payments. The company will not abide by these instructions and choose their own way to post the payments. 
Sometimes it is all to principle, other times not. I have to call in or email in my complaint and THEN and ONLY THEN will they post it correctly. 
They insist I sign up for XXXX of XXXX plans to have my payments directed. I Have chosen none of these as I want to direct my payments as my funds allow well in advance if I can. They REFUSE to post as I ask them to with each payment. Is n't this illegal? Why have transactions notes or Mortgage coupon notes if you wo n't read them? I have never, ever had such a problem in 30 years. Can I demand they read this or demand transfer my mortgage to a company more traditional? Thanks, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX   XXXX   XXXX  , The firSt one is   XXXX   XXXX   {$400.00}, I have notifications from  XXXX  showing this was paid and removed. I 've disputed with   XXXX   XXXX   and experian.   XXXX   removed this debt and it showed paid. Then all the sudden. In remarks it showed I was disputing the paid account in remarks.. It was then re-inserted on all   XXXX    reports. I 've read case law where this is against consumer laws and bureaus could pay monetary damage. I was never notified of it being added back to reports. I myself found it. Next, Again is   XXXX   XXXX   XXXX  ,  XXXX .. This was a   XXXX   XXXX   account. Back in 2012 it was added to my reports but with inaccurate information the amount being  XXXX .. I disputed it was removed. SUDDENLY in  XXXX  out of no where this shows back up being reinstated on my reports under 2 different companies appearing as a different account. 5 years later. I had my debt cleaned up. I had 2 accounts left to clear up. It again is against consumer rights to have something removed and reinstated years later. They 've damaged my score and has made my credit to appear horrible and caused harm. Third and final ..   XXXX   XXXX  . I noticed a bill from a Gas company on my report. I did some investigation and it was in another state.. West Virginia and an address had been added to my credit report like I lived at said address. I sent  XXXX  proof, everything they requested to show I had not lived there. Utility bill, Id, tax returns.  XXXX  and   XXXX   XXXX   removed the account from my report. Experian has not.  XXXX  has not removed the address associated as they said they would.

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 10-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received the results of my dispute back from Transunion, but it doesnt look like they reviewed anything I sent them including the documentation I provided. Instead, they applied my Bankruptcy to ALL my accounts ; whether it was valid to do so or not. This includes accounts that are current, those that were paid off years ago, all Student loans- both paid off and currently due ( now showing as closed ) ; a judgement and mortgage loans that were not discharged but paid previous to the BKXXXX. I now have XXXX new erroneous key derogatory 's on my report because of this and even more serious items to dispute than the first time. I need your help in assuring that they correct the errors they 've created and actually investigate the items that I am disputing this time. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I made a payment on a {$69000.00} loan of $ XXXXXXXX3.62 % they applied {$960.00} to finance charge and {$230.00} to principal. This is wrong. I called and was told they will look in to it. My first call was XXXX/XXXX/15, they have still not resolved this. I do n't know who this Co is Specialized Loan Servicing LLC, they said they got this loan from XXXX XXXX XXXX XXXX to witch I have been making payments for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Problems caused by my funds being low

Complaint: Bank of America has continually, after many conversations with them, in branch and on the phone have refused to work with me on their fee schedule and/or finding a better account of mechanism of which to manage my money at their bank. Virtually every service has an account fee, up until recently even going to the bank counter. Its been an unfortunate experience as a student and somebody not yet making a significant amount of money, bank fees this year resulted in 2.5 % of my income being unusable by me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
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: On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent certified letters requesting the removal of a US Bankruptcy from my Credit Report. I am protected by the FCRA laws and guidelines which protects consumers from misinformation being used against me. The credit bureau is not in compliance. I have asked for them to send me a copy with my signature giving my permission to report this on my report, or documents from The US Bankruptcy Court. In reply they have sent me letters stating my account has been updated which there has not been any change whatsoever nor have I received any proof of documentation from anyone.

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 09/24/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Recently an there was a levy attempt on an account I have with the XXXX XXXX XXXX in California. Currently I have an extension on that account through XXXX. On Thursday XXXX XXXX, XXXX I looked at my account which only had {$0.00} being overdrawn {$120.00}. 

There is a fee stating that the XXXX XXXX XXXX charged my account. I called the XXXX XXXX XXXX and there were no funds collected on my account. Wells Fargo states that this is a cost to Wells Fargo for processing their order, the XXXX XXXX XXXX of California stated they did not charge a fee to Wells Fargo. 

I called Wells Fargo XXXX/XXXX/XXXX around XXXX and was told this is a fee they charge as a cost. Their is no reference or disclosure to this fee and the XXXX XXXX XXXX did not charge it to them.

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 monetary relief
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with DISCOVER BANK (FL).
Issue: Confusing or missing disclosures

Complaint: I been trying to get a credit card for the longest. I never had one and every time I sign up I get declined. I want to have a chance so I can build my credit. So can y'all please help me thx.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Billing disputes

Complaint: This Capital One says I had a card from XX/XX/XXXX & charged off in XX/XX/XXXXThat 's impossible as I never had this card or applied for it. 
I think it 's a part of fraud from long ago. 
However XXXX reports it as mine & it 's incorrect. 
Can you help me? 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I opened a checking account with Citibank on XX/XX/XXXX through a promotion which was supposed to pay me a {$400.00} bonus. I should have received the bonus on XX/XX/XXXX. I have yet to receive the bonus. I called Citibank customer service on XX/XX/XXXX to resolve the issue, and was told they were opening an internal investigation to resolve the issue within 10 days. I have not heard back from them since, nor have I received my {$400.00} bonus.

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 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with YALE MORTGAGE CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: YALE MORTGAGE does not report to any of the 3 bureau 's reports of an active, convential loan, home mortgages! 
Mine since XXXX, current through XXXX? 
Payments timely since XXXX? 
Yet I have no real estate mortgage info in report by them .... 
My current credit score may or may not be 'current ' as a result? 
XXXX MORTGAGE, XXXX, FL, should be reporting all current and past due mortgage transactions, obligations?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Mortgage (Other mortgage) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage holder was Citycorp XXXX On XXXX XXXX XXXX my wife XXXX XXXX, ( aka XXXX XXXX XXXX Acct # XXXX ) died of XXXX XXXX. XXXX and I ( XXXX XXXX XXXX XXXX ) owned a property in Joint Tenancy, XXXX XXXX XXXX XXXX # XXXX, XXXX, and Ca XXXX. Citicorp owned the loan XXXX # XXXX XXXX. 
As early as XXXX XXXX I contacted Citicorp to insure the loan stay in good standing and we corresponded about this item. I was asked to supply to Citicorp the followings : Death Certificate, Marriage certificate copy of the current Deed, and Probate Status N/A. 
I comlp1ed to all with a letter explaining there was no probate because the assets did not merit a need for probate. The main asset was the real property, and it was in joint tenancy so it automatically escheated to me. 
I did this several times, each time the person on the phone said they did not receive the material. When I did not hear from Citicorp XXXX ) # XXXX, XXXX XXXX XXXX XXXX I opened an auto bill paying account to make bi-monthly payments of approximately {$560.00} through my Bank XXXX XXXX. 
Payments have been continually sense that time. 
Recently on XXXX XXXX XXXX I received a notice posted on the door to contact XXXX XXXX XXXX XXXX. Upon contacting XXXX XXXX I found the Citicorp loan had been sold to them in XXXX XXXX. I was also told the loan was in default, and going to foreclosure by the end of the month. 
I was angered because I had been making payments as agreed. I was also angered because I never received a notice of transfer to another entity even though Citicorp XXXX XXXX had my phone number correspondence. 
Meanwhile I have been making payments all along, and in the rears {$13000.00}. 
WHERE DID THE MONEY GO? XXXX said they do n't have it. XXXX XXXX says they sent it to Citicorp XXXX, and have provided documentation showing payments going back 18 months. I would like my money NOW! I 'm out over {$13000.00} I am faxing you the following : Marriage Certificate Death Certificate Grant Deed ( XXXX XXXX to XXXX XXXX and XXXX XXXX Joint tenants ) Affidavit of Death of Joint Tenant Grant Deed ( XXXX XXXX XXXX to XXXX XXXX XXXX and XXXX XXXX Joint tenants ) Old fax Cover Written Communication between Citimortgage and XXXX XXXX XXXX XXXX & XXXX Property Profile Payment, Amount & Date Plus Internet Verification of Payments from XXXX XXXX Partial Hopefully we can settle this without litigation. It seems so simple, money sent to you what did you do with the money?

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 04/14/2018 about Vehicle loan or lease (Lease) with AUTO TRAKK LLC (SC).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: My payments are setup weekly, but I make the payments bi-weekly. In XX/XX/XXXX someone tried to steal my auto and because I have this disable device installed. The criminals damaged it and I had to get it replaced. With the older device when I was having trouble making the full payment I could install a code that would get me to my next payday. However, now since the new device has been installed, AutoTrakk is constantly disable my vehicle leaving me stranded along the highways. This past Thursday XX/XX/XXXX I made a payment of {$180.00} to cover the payment that was due. I also have full coverage on the vehicle as well, but because the deductible is suppose to be {$500.00} rather than {$1000.00} AutoTrakk disable my vehicle when was 50 miles from my home. I have had this vehicle almost 4 years and every year this coming is starting to get worst to deal with. After sitting in my car disable for 30 min, I was finally able to drive the vehicle home. I feel this is unfair to me, I pay on the vehicle and I get full coverage on it. So, why am I always having to deal with this company disabling the vehicle every time that feel like it over stupid issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (OK).
Issue: Loan servicing, payments, escrow account

Complaint: I have a fixed rate conventional mortgage signed on XXXX XXXX, XXXX. This loan had a monthly PMI and with this I have my 'NOTICE CONCERNING PRIVATE MORTGAGE INSURANCE - INITIAL DISCLOSURE - FIXED RATE MORTGAGES '. There is an 'AUTOMATIC TERMINATION OF PMI ' clause on this disclosure. The automatic termination date was XXXX XXXX. Roundpoint Mortgage has refused to acknowledge this and will not terminate the monthly MIP nor will they refund all the unearned PMI premiums that I have paid since then. I have made EVERY PAYMENT ON TIME. I have been in the mortgage loan business since XXXX and I know the guidelines and when a Lender/Servicer is being less than honest. I have called and requested to speak to someone about this I was told I have to submit a request in writing. I did that and also sent a copy of my disclosure and request for a refund for the months I have paid sine XXXX XXXX, XXXX. I have since been told by RoundPoint that I need to get an appraisal first to verify that my loan is indeed at 80 %. I have been told by them that I do not need an appraisal because my PMI will terminate in XXXX XXXX, XXXX. I have been told by them that It will terminate in XXXX XXXX and XXXX. I have asked several times to speak with a supervisor and have never been given one. I have been places on hold for HOURS after asking for a supervisor and of course no one ever picked up the phone. This is frustrating to say the least. I have never been treated do poorly by a company that I felt the need to file an official complaint.

Company response to consumer: Closed with explanation