milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-06-2016 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/16 Seneca Mortgage Servicing debited our escrow account in the amount of {$3900.00} to pay property taxes. On XXXX/XXXX/16 we refinanced and paid our loan in full. We also made a payment of our property taxes at that time. I contacted Seneca Mortgage at the time of the refinance and was told that the escrow money debited for property taxes would be refunded to us. On XXXX/XXXX/16, I contacted Seneca because we had not received the refund of the money debited from our account. I was told that Seneca could not reimburse us until the property taxes had been paid to the county and the county rejected the property taxes as a duplicate payment. I was told Seneca would submit payment to the county on XXXX/XXXX/16 and that the entire process should be completed and the money refunded to us by XX/XX/XXXX. Today is XXXX XXXX. I contacted Seneca for a status update because we still have not been refunded the money. I was told that the county did reject the money and return it to Seneca on XXXX/XXXX/16. When I asked why it has not been returned to us, I was given the run around and told that it will be a minimum of 15 more days before Seneca will issue a refund check. I have requested an expedite but Seneca is unwilling to do anything. They have been holding {$3900.00} since XXXX/XXXX/16 on a closed account despite repeated requests for reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have notified Transunion of the XXXX XXXX - Acct # XXXX that is reporting on my credit file. This account is either not mine or is inaccurately statused as included in bankruptcy. Please remove this account from my credit file.

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 06/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I purchased our first house in XX/XX/2016. Shortly after, the value of the XXXX XXXX financed home lost considerable value. We were also hit with XXXX that nearly cost one of our lives. Needless to say, our medical bills, recovery expenses, and loss of employment were financially devastating. We fought through our challenges and upheld our responsibilities of paying our bills. We elected to pay the PMI on the note until we could reach the XXXX % equity threshold based on the original loan amount and the outstanding principal. We contacted SETERUS, Inc. several times to discuss our situation and confirming that we will in fact have PMI removed once we meet the XXXX % threshold. We sent in funds to SETERUS Inc., with a letter directing the sent funds to be applied to principal only. I have XXXX issues : 1 ) SETERUS, Inc. failed to apply all 100 % of my principal reduction payment to the payment ( as directed on the accompanying letter and on the personal check that was deposited. ), rather, SETERUS, Inc. took it upon themselves to apply 38.9935 % of the sent principal reduction payment to monthly payments ( our account is/was not delinquent, therefore the amount was applied to future payments ), and only applying 61.0065 % to the principal without our consent nor approval. Directions with our funds were not followed ; part of the 38.9935 % of the money that was mis-directed was paid to SETERUS, Inc. in interest ... interest on future month 's payments. 2 ) SETERUS, Inc. states that the automatic termination date of the PMI policy is impacted by the step rate adjustments, thus they are unable to provide me with an exact date the PMI policy will automatically be removed from the loan. They state, " Please note, additional principal balance reductions do not change the automatic termination date of the PMI policy. '' Their PMI Cancellation Letter request that I complete a form, and submit a {$350.00} non-refundable check for an appraisal fee of the property. In the fine print, the letter states that they will only look into the possibility of removing the PMI if the {$350.00} is attached and clears. These {$350.00} are non-refundable should our account not meet the eligibility requirements of PMI removal process. Our account qualifies for the HARP refinance option, where an appraisal of our property would be completed free of charge, regardless of our loan-to-value ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: - I Got a copy of my Experian, XXXX and XXXX Credit Reports on XX/XX/2017. 

- I Found an Unknown Fraudulent Account with XXXX - Account Number XXXX being reported only on Experian Credit Bureau - I Sent Experian a Dispute Letter and request for validatio

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 12/28/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (HI).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage payment is collected by Nationstar Mortgage. And I am forced to pay additional funds each month into an escrow account for taxes and insurance in stead of being allowed to make my own payments. Last year I received an invoice for hurricane insurance ( also required by the lender ) directly. I paid it and submitted proof of payment to Nationstar. Nationstar proceeded to pay it as well, in spite of the prior proof of payment,. Subsequently Nationstar was reimbursed by the insurer, but has refused to reimburse me, claiming that they need it to keep my escrow account above the minimum required balance. However, as they do every year, Nationstar still increased my monthly escrow payment again for the next year. Their explanation for why they had to increase my monthly payment in spite of retaining the {$790.00} they were reimbursed by the insurance company has been totally inadequate. They simply manipulate the actual date of payments and/or escrow calculation such that the account briefly falls below the minimum balance allowed by law and then use that as an excuse to jack up the payments or in this case refuse to reimburse me for the payment I made. Finally I would like to make it very clear that Nationstar intentionally made the double payment when fully aware that they had proof in house that the payment had already been made.

Company response to consumer: Closed
Consumer complaint received 01/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (LA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Request card closed on XX/XX/XXXX and  as of XX/XX/XXXX card has not been closed. Card is still accruing {$34.00} a month payment. Card was not used since XX/XX/XXXX. Card was dormant in use for XX/XX/XXXX, XX/XX/XXXX and then in XX/XX/XXXX card still was not closed and billings still arrived, first asking for {$56.00}, and now {$95.00} in collections which is black mark on my credit report. 

Why would it take that long to get a deposit from a secured credit card, more than 6 months has passed since my written request. Representative advised that I pay off th {$95.00} and then I will be able to get the entire {$300.00} which is the amount I originally secured this card with. 

Please advise a resoluaiton to this problem.

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 03/28/2018 about Debt collection (Other debt) with ERC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I just received notification that this account was added to my credit report. I did not receive a dunning letter..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (I do not know) with Omega RMS, LLC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Omega RMS  is violating both the Fair Debt Collections Practices Act as well as the Fair Credit Reporting Act.  Omega RMS  is using deceptive practices to collect money from me and they need to be investigated.  <P/> I obtained copies of my credit reports and noticed a listing from  Omega RMS . I did not authoriz e Omega RMS  to obtain my credit file . Omega RMS  never sent me a letter stating that they obtained my credit file and that they were going to place this account on it. I then sen t Omega RMS a v alidation letter to prove that they own this debt they claim I owe.  Omega RMS  then sent me old statements from various companies with dates from   XXXX  .  Omega RMS  did not send me a purchase agreement, bill of sale or any type of proof that  Omega RMS  is legally entitled to collect anything from me. To this day,  Omega RMS  is still reporting this account on my credit file and trying to collect money from me.  Omega RMS  deceptive tactics are malicious and intentional.  <P/> The account I am referencing is :  Omega RMS  Acct #  XXXX  ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Consumer Loan (Vehicle loan) with PENTAGON FEDERAL CREDIT UNION (NY).
Issue: Managing the loan or lease

Complaint: I have a loan with PenFed. 
I have paid off the loan. The loan company keeps charging Insurance cost, and refuses to properly refund. I am so sick and tired of this company. They have been a total nightmare to work with. If you look at their XXXX rating, you can see that have many negative reviews.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Late XXXX, I sent out a letter to Transunion to dispute inaccurate reporting. In my letter I requested that all NON-ACCOUNT HOLDING INQUIRIES OVER 30 DAYS OLD BE REMOVED. Transunion did not remove those inquiries. Also, I called Transunion to have RE-INSERTED inquiries removed that were deleted from my report during the system wide glitch. I made Transunion aware that I was not notified within 5 days of re-insertion.

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 02-05-2018 about Mortgage (FHA mortgage) with LoanCare, LLC (IL).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX Loancare took over my mortgage. They've raised my mortgage payment in XX/XX/XXXX without notice to where I couldn't pay it because of a county assessor 's mistake. When the mistake was fixed Loancare received a refund on property taxes paid but did not reduce my monthly payments. Then I found out that I am due a refund from my escrow account. Since XX/XX/XXXX I have been trying to get that refund sent to me and I keep getting the run around. I've complies with every request they've asked. And also had my bankruptcy lawyer send them letters stating the refund goes to me -not the bankruptcy court. I've been on the phone with Loancare almost every day since XX/XX/XXXX trying to get my money. I'm so tired of fighting with them to get the money that is owed to me. I'll bet if I didn't make my mortgage payment on time they'd be jumping all over me in a timely manner. Why can't I get the money that owed to me? I'm a senior citizen and this money is greatly needed!

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 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PR).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: OnXX/XX/XXXXafter getting my credit report, I noticed I do not have any credit scores reporting. I am an authorized user of the XXXX Credit Card sinceXX/XX/XXXX belonging to my husband. I have a card in my name so I called XX/XX/XXXX which referred me to XXXX XXXX and was advised that they do not report authorized users. After this, I told them I was going to contact CFPB to clarify this issue. I contacted by phone your agency and was told that if I have a card in my name they are supposed to report to the CRA 's. I informed XXXX XXXX of the information received by your agency and they were going to look into the matter. Nevertheless, after reviewing my credit report again in XX/XX/XXXX, the issue has not been addressed. By these means, I am appealing to you for assistance in resolving this matter, since I am in the process of purchasing a home and I need this to be reported on my credit report. XXXX  actually reports to the three CRA 's so I should have all three credit scores since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (GA).
Issue: Incorrect information on your report

Complaint: Regarding the late reporting of my mortgage account with XXXX, I am disputing this record due to the fact that this was in fact paid. This should not report on my credit report as a 30 delinquent account for this reason. 
The reason this is reporting is due to the fact that my mortgage was sold From XXXX to Loan Care,  and during this transition period, it appears this got mixed up. 
I received confirmation that my payment was made and had been received from XXXX shortly after my payment was made. I later received information stating that my payment was not received and that I would have to wait until the transfer of the loan was processed before I could even make the payment. Emails sent to me direct from XXXX are below

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 10-06-2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (NC).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX, a series of unfortunate banking events led to my mortgage payment being deducted form my checking account XXXX. The servicer ( PHH Mortgage Services ) was not willing to help recsend a payment and the Bank suggested that my only course of option was to stop payment on XXXX of the duplicates. I did so as my family would not have had enough money to survive. In XXXX, I made a payment to PHH by phone and using this same checking account. The representative assured me that the payment had gone through just fine as usual. In XXXX, I was informed that I was now behind on my mortgage as this payment did not show up. This is when the trouble began. Through various demands for payment and forced " re-payment plans '', I have given PHH almost {$22000.00} in the past year and am still being sent past due notices. I 've now been sent a " right to cure notice '' demanding another {$5000.00} plus before XXXX. Since my normal mortgage payment is around XXXX monthly, a years worth of payments would only be {$15000.00}. I have no idea how I am still behind in my payments and can not seem to get out of this cycle. This has caused a great deal of distress in my family and has caused me to get dangerously behind on other bills ( student loans, car payments ) as well. Most recently, I responded to a late notice by paying the amount asked for ( {$3400.00} ) by the date it was asked for ( XXXX ). PHH took the payment. The payment came out of my bank account. Two weeks later I received a notice that my account had been referred to an attorney for foreclosure. This was an awful thing to read. PHH initially claimed that they had no record of the notice demanding the {$3400.00} and that I had not paid enough so they had returned my payment (? ). After two days of arguing my case, the notice was found and I repaid the {$3400.00} and was taken out of foreclosure. This was a large mistake made on their end and I ca n't help wondering what other large mistakes are being made at PHH Mortgage Services. I 've gotten nowhere in my attempts to talk this through with them.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Consumer Loan (Installment loan) with BB&T CORPORATION (VA).
Issue: Managing the loan or lease

Complaint: This is an 18 month interest free loan for 18 mos. 
The company on the statement continously shows interest charge and we have confronted them but they do not seem to correct it. 
Previous case # XXXX. 
They are supposed to charge me a nominal payment of {$250.00} per month for 18 months. This loan should not accrue any interest. 
Instead I am being charged {$180.00} interest per month.

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 10-11-2016 about Mortgage (FHA mortgage) with PNC Bank N.A. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: pnc offered a deed in lieu of foreclosure deal to which i agreed. they granted dilof, gave me terms ( utilities off, house clean and empty, no damage ) and date ( this varied depending upon who i spoke with from XXXX XXXX to XXXX XXXX XXXX ) by which property was to be surrendered which terms i met. there are no liens and no 2nd morgtage. after their title search, they demanded i pay for a survey which i can not afford. they said deal off, we 're foreclosing. they say property can not 'convey ' without survey, yet the property seems set to 'convey ' via foreclosure. they will not explain any of the title search results verbally or in writing. they will not put any terms of the payment for surrender deal in writing. 
they made the terms and i met them. i performed per the terms of the dilof as dictated by them. they alluded to, pending inspection of property, up to {$3000.00} payment for complying with the terms of dilof. they will not put in writing details of payment for surrender and are immediately argumentative if you ask. i never demanded a promise, just to see the terms in writing. they have reneged on the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: Hi, I have had a credit card with Citi since 2000. Never been late with Citi or ANY credit card company, mortgage, auto or any kind of creditor all my life. Unknown to me, my credit card statement was switched to paperless. As I always off my cards all the time, is I do n't get a statement I do n't know what is due. My credit card with Citi had {$0.00} balance. Auto payment of {$24.00} was charged to my card and since I did n't get a statement I did not know about any charges to my Citi card. When 30 day has passed, Citi reported 30 days late. This was unacceptable because I have not had any late payment on all my credit cards. I called to complain about this issue to Citi and they switch the statement to regular but are refusing to help to clear the 30 day reporting from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion is improperly sharing my report and improperly allowing people to open accounts in my name despite me placing a fraud report on my account and doing as they asked which is provide a notarized statement saying the inquiries are unauthorized. They refuse to remove the inquiries.

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 06/24/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Problems when you are unable to pay

Complaint: I have XXXX auto loans with Santander Consumer USA with a 24 % interest rate.I 've been a customer since 2012 and my payments mostly go towards interest.I 've requested a modification to decrease the interest rate and payment but Santander refuses to offer any assistance.I was unemployed for five years.Both vehicles have over XXXX miles and the payoff for both vehicles is over {$19000.00} each including interest.It started out as a {$15000.00} loan.Santander needs to offer better assistance for customers who were laid off their jobs, because adding high interest does n't resolve the situation it make matters worse because the vehicle is not worth whatever the payoff amount is.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (WA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: We have been in contact with Navient very frequently since XX/XX/2017 to try and resolve our daughters student loan situation. Initially we understood the loans to be Federal loans. At some point Navient took over 5loans from XXXX XXXX, apparently now considered " private ''. As loan payments began approaching due date post graduation we have had conflicting information from Navients customer service as to how to navigate payment options. We were told Forebearance is the only option, now reaching the end of this option. It appears a benefit for Navient, forbearance. These loans need to be consolidated or payment due substantially decreased, we have no other options from Navient. Payments were being made while attending the University to " XXXX '' ( Navient? ) each month. Not sure where that money was applied, but it was deducted from our checking account each month. Any guidance in this matter would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (I do not know) with Worldwide Recovery LLC (SD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a voicemail from a local number XXXX. She stated her name was XXXX but did not say who she works for. She stated I have 2 felony fraud charges and someone would be coming to my place of employment to detain me in the next 24 hours. The number to call back was XXXX. She also stated that the message was my legal notification of pending action.

Company response to consumer: Untimely response