milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/15/2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was previously owned by XXXX XXXX. It was purchased by XXXX XXXX, managed by BSI Financial. They have been mismanaging my escrow, refusing to speak with me, and has placed my home in foreclosure for funds they say i owe but refuse to provide an eexplainaction of their findings. I have submitted proof of payments and they still are pursuing my home. I am currently under the Hamp program and have not defaulted on it..I have been harassed since BSI Financial took management of my loan ... They purchased insurance on top proof of insurance already active.. I am currently in a bankruptcy and the stay has been lifted due to inaccurate information submitted to the courts ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XX/XX/XXXX my XXXX XXXX car payment was due of {$390.00}. 
I only had {$390.00} in my US bank account & due to low funds I was charged an over draft fee. Unaware, I paid the overdraft fee, but told them since I had {$0.00} in my account if they can prevent any payments from being swiped. 
They agreed, yet they allowed 4 other payments to go through saying that those are " automatic payments '' & cant do anything about those. I was really upset. 
I now have {$260.00} in debt with US bank so I have cancelled my bank card with them & no longer a member. 
However, I am here trying to fix my situation & not in the position to pay any of the funds, let alone the overdraft fees.

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 04-06-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage will not remove the PMI on my FHA loan eventhough I have enough equity in the property.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Money transfer, virtual currency, or money service (International money transfer) with CITIBANK, N.A. (NY).
Issue: Other transaction problem

Complaint: I tried to make an international transfer from my citibank account to my son 's bank in XXXX. When I entered the information on Citibank 's website, I entered the correct routing number, account number, name and phone number, but the incorrect Swift code popped up, this number was pre-populated by citibank online, not myself. When I corrected the swift code, an incorrect routing number populated- i was unable to manually correct that. When I called the bank in XXXX they told me that the routing number and account number were most important, so I let it go through with the incorrect swift code-which, as I said was pre-populated by citibank automatically. This occurred more than a week ago. I waited a week, I kept asking my son if he received the transfer. I called citibank yesterday and they told me that there was a problem with the routing number, I called them back later that night and they told me that the wire unit was closed, I should call back the next day. I called again today and spoke with the wire unit. They agreed that the swift code was incorrect and they could not change it. The money had been sent back to citibank. The bank in XXXX had charged a {$25.00} dollar fee and citibank is charging me a {$35.00} dollar fee ( for transfer that didn't happen ) and they will put back the refunded money in my account at today 's exchange rate, not last weeks ' exchange rate, which gives me a net loss of {$200.00} XXXX plus the two transaction fees. They told me that they will put through an inquiry to see what happened and they may or may not accept responsibility. Of course they did not make any attempt to contact me in the past week to tell me that there was a problem, or that my money had been returned to them. I had to make three phone calls to find that. I do have a complaint # XXXX. 
I would appreciate any help you can render.

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 01-03-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have requested Equifax to correct the information on my correct report and nothing has happened. I have requested " VALIDATION '' AND NOT " VERIFICTION '' of this account, which has not been provided. Here is the account : # XXXX XXXX They always say they verified information and do not ... Please have documentation supporting this debt! Also, please provide, who you spoke with, date, time, phone number and documents shared. Other wise by law, please removed this negative information of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Credit reporting () with TRANSWORLD SYSTEMS INC (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was just discharged from Bankruptcy CHapter XXXX. I called numerous student loans I have to start a payment plan with them. I was told by XXXX that they outsourced my loans to Transworld Systems Inc . I contact them to start a payment process on XX/XX/2017. I set up 2 automatic withdrawals for {$100.00} ( for XX/XX/XXXX and XX/XX/XXXX ) so my account would not go to collections. One {$100.00} payment was ACH'ed on XX/XX/2017. I was told by XXXX of TSI that XXXX would settle for {$12000.00}. I paid {$12000.00} on XX/XX/2017 ( and have documentation from my bank and numerous phone conversations with TSI ). Now, TSI is posting on my credit that I am in collections and balance is UNPAID. I have called them twice to be told that the account is " settled and paid in full '' although they keep hitting my credit with derogatory marks.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Bank account or service (Savings account) with PENTAGON FEDERAL CREDIT UNION (NV).
Issue: Deposits and withdrawals

Complaint: PenFed wo n't let me do anything with my account. I have {$30.00} in my account. PenFed wo n't allow me to update my address even though I mailed them proof of address and proof of identity. They asked me to call and verify the information on the phone and I did call in, but it still is not updated. 
PenFed will not allow me open a checking account with them. PenFed will not allow me to initiate a transfer out of my account. Basically they are holding my money hostage and I have no access to is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Nelnet, who services my loan, contacted a reference I had listed regarding my address. The company has my phone and email address. I do not understand why a reference would be contacted to confirm my address. I contacted the company and asked them to not contact my references again given that they already had a way to reach me. Nelnet 's contacting of a reference has caused me significant personal embarrassment. I send a payment to Nelnet every month. I am very upset and concerned about the company 's behavior in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage is reporting incorrect information to the credit bureaus. They have failed to correct my account balance and are still reporting an incorrect balance and that I am 30-60 days late on my mortgage and that I owe them money. I do not. I paid my XXXX payment on XX/XX/XXXX because they said they could n't get the money because I did n't put the correct account number which I know I did. I paid my XXXX payment on XX/XX/XXXX. Carrington Mortgage knowingly and unlawfully are not reporting the correct information to the credit bureaus. I believe this is intentional behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Vehicle loan or lease (Loan) with Westlake Services, LLC (NJ).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I was involved in a hit n run accident. The defendants auto insurance paid the value of the car, but that did not satisfy the loan. I paid off the entire loan in full. However, the title and lien release was sent to the defendants insurance company. The insurance co. Only pais for the " fair market value '' of the XXXX XXXX that has been totaled. The loan that I paid off on XX/XX/XXXX is listed on the credit bureau as being paid off by the insurance company. Westlake Financial never reported the paid off vehicle until after I purchased my new vehicle XXXX XXXX XXXX, on XX/XX/XXXX. I had to request that they vehicle paid off, get reported. Therefore my interest rate is 22 %. My new loan is with Westlake, as well. However, they never held up their end of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX XXXX, XXXX I was on-line this date putting credit freezes on my and my wife 's accounts and had no trouble with XXXX and XXXX but when I tried to use the Experian website I was unable to complete the process. They denied my attempt and said I have to submit my request in writing. I imagine the reason I was denied was either because we have two homes in different states as we are in the process of retiring and relocating or because one of the questions they asked me appeared to be based on incorrect information on their part, it was obvious how it was meant to be answered but I answered it correctly it apparently did not correspond with their poorly assimilated information. 

I tried to call but there does not seem to be a way to speak directly with a customer service representative at Experian or even an available email address with which to try and straighten this out. I have to admit that following the revelation of XXXX XXXX  incompetence I am not amused at the lack of professionalism at Experian.

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 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Back in XX/XX/XXXXI suffered a horrifying XXXX XXXX in which it had left me with a XXXX XXXX XXXX and a few other injuries as well. The car I was driving was a XXXX XXXX XXXX XXXX which I had purchased on XX/XX/XXXX by taking out a loan for {$35000.00} from XXXX XXXX. The vehicle at fault ran a stop sign and drove straight onto my XXXX XXXX I was unable to go about my regular days due to the injuries I had endured, and because of my injuries I was unable to make payments on the vehicle. I paid off the loan in full on XX/XX/XXXX. When I first got the loan from XXXX XXXX I had financed the loan for 75 months and ended up paying the loan off in 10 months. My aunt was my co-sign on the loan and her, as well as me, both did not really understand how insurances or creditors work. We thought that my Gap insurance for the car would cover the full remainder of the loan and that we would n't have to worry about paying any more for it. During the time I was recovering and doing XXXX XXXX I missed a few payments and now its showing as a major delinquency on my credit which is preventing me from opening any new line of credit. I am requesting to dispute this delinquency reflecting on my credit for my lack of payment was not due to a deliberate act, but rather an unexpected accident. I am not a delinquent. I am a responsible XXXX XXXX XXXX in my XXXX XXXX who is in pursuit of becoming a XXXX. Please help me for I feel stuck in this mess. You may be my last hope in pardoning and removing this delinquency.

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 09/29/2017 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (FL).
Issue: Trouble during payment process

Complaint: my mortgage servicing company is roundpoint mortgage servicing corp. I have this company since the purchase in XXXX the company offers 2 major ways to pay mortgage through mail and online. in my case I use the two methods, no preference at all. my complaint is that this company has a very lousy management team, when you make your payment through mail the payment does not get reflected online and creates confusion for the customer, for example right now I am due for my next payment, I have in my check book that I already made my XXXX payment by mail and still the website reflects that it is due on XXXX / XXXX. I have called them already 2 because of this problem and also have written numerous emails to their staff talking about this problem, I am really sorry but in my opinion they are not paying attention to customer service and somebody has to step in and get things straight.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have found fraudulent accounts in my report :  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX     XXXX   XXXX   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 04/14/2016 about Bank account or service (Checking account) with PNC Bank N.A. (VA).
Issue: Using a debit or ATM card

Complaint: XXXX XXXX I was scammed out of XXXX dollars by the " XXXX. The # was XXXX.They told me I had a grant of XXXX dollars but first I needed to deposit XXXX $ and it was refundable. She told me go to XXXX and get a apple XXXX card and read the number on the back of the card. I did. I was send to XXXX XXXX to get the refund. I had confirmation number and tracking numbers. I then spoke to an " XXXX '' and there was security reason as to them needing more money of XXXX dollars and it was also refundable, so I went to XXXX again brought another XXXX card and gave him the code on the back. The grant amount had went up but I started feeling like it was a scam so I backed out and demanded my money back. They wanted XXXX more dollar to release the " grant '' and I refused to give them more money so now in out if XXXX that I needed.i have recordings and I went to the police and ftc and contacted by bank. XXXX has denied my dispute twice due to me using my pin for the purchase of the cards. I have given them proof of being scammed. I just need some help getting my money back. I 've been with pnc for 5 years and I 'm not happy with the end result of this

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Discover card amount {$7000.00} I was authorized user of my ex wife account and I called and had it removed but the balance is showing under my credit report but its not in my name or social they told me to contact XXXX to have it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/16, I became aware of an egregious violation of my personal and financial privacy at the hands of JP Morgan Chase Bank. I was informed by an individual that was not myself or Chase Bank that my individual checking account was appearing on monthly statements for an individual that was not on that account. I am on a checking account and a savings account with my mother, and those accounts receive monthly statements at the mailing address that we share. 
These statements are addressed to XXXX us since we are XXXX on the accounts. 
However, the most recent statement also included my individual checking account which XXXX is not on as well as a summary of my individual credit card which XXXX is not on. Since the statements were addressed to both of us, this would imply that we are XXXX authorized to view the information on all of the accounts, but this is not accurate. This was troubling as my mother is not authorized to receive any financial information relating to the credit card account or the XXXX XXXX XXXX Account in my name. 

XXXX the aforementioned individual accounts were set up at a Chase branch. During the account set up, my mother was not present, nor was she ever brought up during the account creation process, so I had no reason to expect this egregious violation to occur. Further, the credit card was opened with my social security number, not her 's. None of the paperwork for either account featured her name or any indication she was on the account since she is not. 
My mother called me to inform me that she received the statements and saw my financial information, and that she had called in to Chase to inquire about them she originally believed them to be fraudulent since she did not recognize making them, and she was given information about the transactions including the name of the person who made the purchases. She is not on the account and should not have received any information about those transactions, yet she was provided with detailed information. Yet another egregious violation of my personal and financial privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: notice on my credit filed, a debt collection agency by the name Syndicated Office Systems, LLC, which does business as Central Financial Control sent a debt validation letter to debt collection by certified mail, Tracking Number-XXXX received on XX/XX/2015 with no response, follow up with a second letter of no response sent by certified mail Tracking Number-XXXX received on XX/XX/2015, to close this matter and remove from my credit file. with no response

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: For the last 6 years I have been living in XXXX XXXX XXXX , XXXX XXXX and prior to that I was in XXXX XXXX XXXX, XXXX in XXXX XXXX with the XXXX XXXX XXXX. Any residences shown during this time that are NOT my address and are false. Prior to that I live in XXXX apartments. TransUnion Reports my previous addresses as XXXX XXXX apartment which at the time I was in XXXX XXXX XXXX, XXXX for military training. I have send them documents as the police report, which states that my green card, my DL, among other documents were stolen and they refuse to take this off from my credit. I will attached the response TransUnion send me. I have never live on those addresses. some of those are just copies from an actual address but do not exist in the map. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TranUnion also reports my name as XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I have a legal name and all of those extra names are causing me problems with the XXXX and the XXXX I work with because they are connected to collection accounts they are not mine. <P/>They also report phone numbers that are consistent with information that is not mine. ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX. <P/>I have send many documents that support my statement, they REFUSE to take off what is NOT accurate and keep false information on my credit report. If need it I am willing to send any other documents they need from me. I have try for many years and ways to fix this problem but they do not care and in many occasions have said and I quote, you can report us to whom ever we are going to do as we have. I understand this company is bureaucracy but I am individual who is trying to is working with the government and hospital to were our credit report matters to change XXXX and to move higher in the XXXX XXXX. I am currently XXXX XXXX to finish my XXXX degree and I would like to continue in the XXXX and serve this country as this country serve me and my family but this company has not been of any help and has refuse to fix a major problem. I will like all of those names, addresses and the XXXX XXXX XXXX collection to be taking off my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My Equifax report said I lived in XXXX XXXX. XXXX. I have lived in XXXX. for over 40 years. When I wanted to open a XXXX account I was denied because I answered questions about living in XXXX. wrong. I have never lived there. Tried to call Equifax and could not talk to someone.

Company response to consumer: Closed with explanation