milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2018 about Mortgage (VA mortgage) with MONEY SOURCE, THE (AK).
Issue: Struggling to pay mortgage

Complaint: We have a VA mortgage that is currently serviced by The Money Source. My husband was laid off from his XXXX a year job on XX/XX/XXXX. We were making payments just fine until about Fall of XX/XX/XXXX when we really started to struggle even though he did get another job right away. It was a job that did not pay nearly as much as the one he lost. Plus the mortgage company adjusted our mortgage payment but did not send us a letter to notify us of the change so come XX/XX/XXXX until about XX/XX/XXXX or XX/XX/XXXX, we paid what we thought was the regular payment. So there was a balance adding up each month without them notifying us at all. Come XX/XX/XXXX, we found out about the extra balance and started struggling to make the payments on the balance due and the higher mortgage payment ( it was adjusted from XXXX to XXXX to make up for a shortage in our escrow account ). We have continued to struggle into Fall XX/XX/XXXX, able to only make one payment ( with often two payments due ) but now we are four payments behind and have not been able to make a full payment since XX/XX/XXXX. XXXX would not give us emergency assistance as we do not qualify ( we make more than 700 a month, but not enough to cover our bills and mortgage ). We were given info about the HAMP program from The Money Source and filled out and turned in their Loss Mitigation AKA Borrower Assistance paperwork. We have communicated often, cooperated fully, and provided everything that they asked for. On numerous occasions now they have sent out letters saying that we did not turn in paperwork either at all or on time ( which we have proof that we did turn in the paperwork and ON TIME ). Last weekend, on XX/XX/XXXX we received a letter saying they denied us for borrower assistance because we did n't turn in the requested paperwork.. which we DID ... and I have the proof to show we did, and BEFORE the deadline.. They called us today to ask us to pay our past due balance of four payments and I told them no and talked to them about the borrower assistance and the supposed mix up that occurred. They were not happy that I have multiple proofs that we turned ALL requested papers ON TIME but said they would re-open our assistance file. In the meantime, " XXXX '' also stated that we still have to make at least one payment before XX/XX/XXXX or they will start foreclosing on us ( even though we were told by " XXXX '' that while in review for assistance, our account is essentially frozen from moving into foreclosure ) He claims its just in case we get denied.. We are very worried they are trying to push us into foreclosure even though we have cooperated fully and expect our financial situation to get better in a few months now. We had issues with them when we were going to be refinanced also.. so we are not surprised but we are scared also and need help to make sure they are not trying to purposely XXXX us out of our house. I have more proof than what is attached also, if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Application, originator, mortgage broker

Complaint: I lost my job in XX/XX/XXXX so I 've been working as a Temp until the XXXX. I bank with Bank of America My loan # is XXXX. I really struggled with my mortgage payment. I first applied for modification in XXXX. Nothing happen. The temp service placed me in a job paying a little more I was able to catch up. So that job ended in XX/XX/XXXX. The next job paid a lot less so I struggled again. So in XXXX I applied again for Modification talk with rep went over paper work filled out package did n't hear anything called in XXXX had to reapply again same paperwork. So I called XXXX and did the same paperwork again. Now it 's theXXXX and I have n't receive paperwork to fill out. I 'm a 4 or 5 months behind on my payments. I did receive a coupon to pay XXXX for XXXX payment when I was paying XXXX I asked my self how do I pay more when I 'm trying to get it lowered. My name is XXXX like I stated I have a new job that 's paying me 3 dollars more an hour. Were I was only making XXXX an hour. I would like to save my home. I just stared my new job so I will get a full pay check but I had to not take taxes out in order to pay my mortgage payment which will be late because I ca n't pay until the XXXX when I get paid. I 'm so stressed not knowing if they are going to help or not. I had a modification that ended in XX/XX/XXXX. Question can you only have one Modification in a life time? Maybe I 'm missing something. Please help! Thanks

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 07/19/2016 about Bank account or service (Checking account) with TCF NATIONAL BANK (IL).
Issue: Account opening, closing, or management

Complaint: I closed my TCF Bank money market and CD on XXXX/XXXX/16. I never wrote a check or withdrew any money from these accts. I recived a letter dated XXXX/XXXX/16 stating my acct is overdrawn by {$110.00}. 
On XXXX/XXXX/16, I called TCF Bank at XXXX, spoke with XXXX and XXXX, I was told I owe {$170.00}, and my money market acct is still open. How could it be open I osed the acct. 
Since I read many complaints against TCF Bank, what they do is generate Bogus fees then sell to a collection agency. 
This bank is dishonest. Why is TCF bank still in business?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: Our mortgage company is not working with us on trying to get a resolution on our past due amount owed. They are not workign with us and will not let us know what we can do to save outr home. I am trying to get something since I was laid off back in XXXX. I am working now but no one will call me or work with me on a resolution No matter what I try to work out or file for I am always told by SPS that we do not qualify.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I writing to request that any charge off and 60 day late for any of my closed 3 XXXX XXXX XXXX accounts be removed from all my credit reports. I know that XXXX XXXX XXXX and XXXX XXXX XXXX fall under the parent bank known as XXXX XXXX XXXX. I have called and disputed this several times. I dont get it why XXXX XXXX XXXX  is continues to report false information. XXXX XXXX XXXX need to take responsibility and please remove the charge off and 60 day late from XXXX, Transunion, and XXXX. Like I have explained before I called the XXXX XXXX XXXX at the time of all 3 were approaching a 30 day late since these accounts were all secured under certificate of deposits under my dads name. We informed XXXX XXXX XXXX to close the XXXX XXXX XXXX accounts take payment in full from the CDs. There never should have been any 60 day late and never should have been any account in charge off. Its not my fault XXXX XXXX XXXX did not follow instructions that they agreed to do so on. If there was a remaining balance at the time then we were not properly advised. I was not aware there was a remaining balance till I spoke with XXXX XXXX XXXX in XX/XX/2017 which has since been paid in full. I agree with at worst there being 30 day late. The letter that XXXX XXXX XXXX is referencing regarding my knowledge was regarding two  different checking accounts that I also had with XXXX XXXX XXXX   and has nothing to do with these 3 person loans and if wrong account number was references then that was typo. I will never do business with XXXX XXXX XXXX again or any of affiliates as they lie and mislead.

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 07/25/2016 about Consumer Loan (Vehicle loan) with BBVA COMPASS FINANCIAL CORPORATION (GA).
Issue: Managing the loan or lease

Complaint: Name wrong on loan I noticed recently my name was wrong on my loan, I contacted bbva and was told to email in a copy of my id and proof of social. I sent my license and XXXX in. A XXXX is a legal representation of social. I was told I need to send in the card. I washed my and I am not going to make a special trip, I live in XXXX ga, to fix something that is not my mistake. Gas is expensive. BBVA is refusing to correct a document legally binding me to a loan which represents an incorrect name, they were argumentative, combative, and not accommodating on the phone. I was lied to repeatedly and the representative and she refused comply with any of my requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2016 about Debt collection (Federal student loan) with Windham Professionals, Inc. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My former husband contacted me to let me know Windham was looking for me for collections on my student loans. Odd 4 weeks ago, I sent up payment arrangements with windham directly with a female, have record of emails and signed paper work with them and they even have my cell number because that 's how I have communicated with them. So why are they contacting my former spouse when he has nothing to do with it threatening that he is responsible for part of the debit. 
The number my former spouse gave me was XXXX, the number I have is XXXX. I 'm so angry. I understand that thetells is a debt owed to an amount but I sent up payment plans for the next 8 months just 4 weeks ago, payment processed, not a 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 non-monetary relief
Consumer complaint received 05-04-2016 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: ProCollect took on an alleged debt from XXXX XXXX XXXX XXXX for a {$41.00} charge to me that was never even sent to me by XXXX XXXX XXXX, and ProCollect posted this alleged debt against my credit without ever trying to collect it from me beforehand. In order to get my credit score back to normal, I even paid ProCollect this {$41.00} over a month ago and they still have it lodged against my credit score. I 've called them twice, given them the check info ( they cashed it on XX/XX/XXXX ) and they continued to play ignorant about it all. What can I do now?

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 06-03-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am currently graduated from the degree program for which the loans are attached to. However, I wish to file a complaint because I have noticed a common pattern emerge when attempting to use the auto-debit feature from SallieMae/XXXX payment system -- they say it works but it does n't actually work and it has caused multiple late fees and unwarranted phone calls. This has still occurred even after taking this to SallieMae 's Office of the Customer Advocate. Based on the auto-debit not working over the course of multiple months, I feel this is a predatory practice in which they assess more fees based on a faulty service.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2016 about Debt collection (Medical) with Jon Barry and Associates, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Paragon Revenue Group has an account an my cerdit report saying i owe, and its not my debt. Im looking at my credit report and they added another debt to my credit report after all the others were removed.The debt is for {$1300.00} dollars. Mys sons mother is taking my son to the doctors and i no longer work for the company the insurance was originally carrying him on. All his or her debts are coming over to me since i was the account holder

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (WI).
Issue: Wrong amount charged or received

Complaint: XXXX/XXXX/15 I requested a Paypal Credit line to use for an upcoming purchase. I also requested instructions in advance of that purchase, so that the purchase would qualify for their promotion - 0 % interest for XXXX months on purchases over {$99.00}. I received an invoice for my purchase and made a downpayment of {$500.00} using Paypal credit. When I received the merchandise I made a second payment of {$1700.00} ( so both transactions on that invoice qualified for the 0 % promotion ). When I noticed that I was charged interest by Paypal credit, I called to dispute the interest charged. I was told verbally that they agreed that I had made the purchase following their instructions and should have qualified for the promotion. That person indicated I would receive an email with the dispute resolution in 24-48 hours. The email that followed said I did qualify for the promotion and would see changes to my account in another 24-48 hours. XXXX days later the interest was still on my account. I called again on XXXX/XXXX/15 and after several discussions was told that because I made XXXX payments on the invoice it voided the promotion. I asked that Paypal refund the interest charged, since that detail had never been adequately explained in previous conversations. ( Indeed other Paypal reps had indicated I qualified for the no interest promotion and it should be resolved to my satisfaction. ) On XXXX the " supervisor '' I spoke with ( XXXX ) refused to remove ( or credit my account for ) the erroneous interest charged. I feel Paypal Credit owes me a refund of {$28.00} - a small price to pay to retain goodwill with a responsible customer.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (Credit card) with Javitch, Block & Rathbone LLC (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was contacted about a judgement from   XXXX   whic h Javitch Block got r eactivated. I understand that they are allowed to do this. I came to a payment arrangement of {$200.00} per month for which they refuse to provide statements or billings The payments are due the  XXXX  of the month. I paid late this month on the  XXXX  and attempted for several days to call and discuss ( after submitting the payment ) with no response. You get in the phone queue and are  XXXX  in line, you count down to  XXXX  or  XXXX  and are then put into a voice mail that is full and you can not leave a message. This is after  2 hou rs on the waiting line. I did submt an online payment. They did not take the payment I submitted and have a confirmation number for I have sent a fax asking for contact, I have sent several messges. I have been in endless loops trying to speak to someone. I called and spoke witth an operator who immediately put me into a recording without listening to me. Currently am in a loop that tells you there is n o one av ailable to assist, your call will be returned in the order receied, you are advised to leave a message but then put into a voice mail that can not take a message. Please try it :  XXXX . I do n't know what to do about 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 explanation
Consumer complaint received 11-09-2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have my mortgage with PHH Mortgage since XX/XX/XXXX. I recently declared a Chapter XXXX. My Mortgage Company Froze my account until the case was resolved which I understand is the correct thing at that point. However, As perXXXX/XXXX/XXXX, my lawyer as told me that '' All disagreements about my case with my mortgage company have now finally been resolved and I can now start to make a regular monthly payment ''. I need to know the correct monthly amount now and going forward. as well because my annual escrow statement was mailed to me saying my payment will change, so I am also not sure which amount to use {$710.00} or {$670.00} or something else? However the BIGGER issue when I have now attempted to make a payment and get the correct amount to pay they tell me the amount, no one at PHH Mortgage will except or let me make my payment. They say their system has not been updated on the case details and my account is still Frozen. Some of The departments with PHH Mortgage that I have tried to make a payment too are : ( Regular Service Dept, Loss Mitigation, Foreclosure, Default, Online, Their Attorney and they tell me if I mail a payment and the system is not updated they would not even take that. They would send my check back to me with a letter ). By Bankruptcy law, I must make all required payments as indicated and this payment is one of them. By blocking me from making a payment, I can have my case dismissed by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Service provider Bayview Loan Servicing LLC applied hazard insurance to my mortgage ( XXXX XXXX through XXXX XXXX ) account in excess of any authority in the loan agreement. I would like a full refund of money collected for hazard insurance and any overpayments to an ancillary escrow account. The Servicer also issued a Notice of Default based on erroneous accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Debt collection (Other debt) with The CMI Group, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Harassing me over an account that I never opened

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Company is using an autodialer to contact about a debt they do not own. I have informed them that they are calling my cell phone. I have also informed them that they have no reason to call me since they do not own the debt. They call me XXXX or three times a day, often with no one on the other end of the phone when I pick up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I pulled my Experian Credit Report and noticed inaccurate information. I sent a letter on XX/XX/XXXX via certified mail ( see attached copy ) challenging the accuracy of this information and requesting the source from which they obtained this information and they validate this information and provide me with documentation associated with this account bearing my signature or in the absence of such documentation deleted this information from my credit file. After 30 days, I received no reply from Experian.
On XX/XX/XXXX I contacted Experian. I spoke with a person who identified himself as " XXXX '' who informed me I received my dispute letter on XX/XX/XXXXand responded verbally that the information had been verified. I asked him the " source '' of the verification, as it was not listed on my credit report and he said it was verified by the Courts. I then told him I had a letter from the courts stating they do not supply any information to credit reporting agencies. He then said he received this information through a third party reporting agency. I asked him who the agency was so I could reach out to them directly but he said he was not at liberty to disclose this information.
Please the attached letter from XXXX  datedXX/XX/XXXX verifying my request to suppress all public information. It is my understanding it is a violation of the Fair Credit Reporting Act to report false information and claiming to get information from a court when it is actually obtained from an unnamed 3rd party could be considered false information on your credit report.
I would appreciate any help you can provide in resolving this issue.

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 09/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I would like to write this complaint so that other folks out there are very aware of what this Bank is doing so wrong so they can stop doing it and get it together. Recently without previous notice, I got all my account frozen with Bank of America. Not only that but the worst thing is that I realized when I was going to put gas before Hurricane Irma hit my state of Florida. I could n't believe this Bank can do something like this. I went straight to one of their branches on XXXX XXXX, 2017 and they blame it on the fact that I changed my immigration status. I summited all the documentation they required and still today XX/XX/XXXX I have my accounts frozen. Not only that, but some of their local branches are closed as well.Also, I have XXXX XXXX and I realized that they for some reason pulled up my credit score when I have been with them for 6 years, this caused my credit score to drop. But to top it off after 5 days and after the hurricane passed I am still with my accounts frozen, so get it together Bank of America. And for the people reading this BE AWARE I did n't believe what the mega Munsters Banks could do but I am going through the hustle now and it 's not fun. The bank should be here to serve us better and not make us go through situations like this one.

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