milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/27/2017 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Specialized Loan Servicing ( SLS ) has once again threatened to purchase insurance on my behalf in the amount of {$89000.00}. which well exceeds the amount of my loan with SLS ( of which I owe less than {$20000.00} ). I have no other loans on my property and SLS has no right to purchase any insurance in my name. I sent ( Certified Mail ) and faxed SLS proof of the Discharge of Mortgage with the 1st mortgagee ( XXXX ) and therefore am not required to obtain more flood insurance than I owe SLS. I provided SLS with a copy of my XXXX flood insurance in XX/XX/2016. I have also requested that SLS provide the name of the " Investor '' in writing and have not yet received any response.

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 08/28/2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I tried logging into my account this morning to pay my mortgage for XXXX 2015. I tried on freedommortgage.com, and it would n't let me in so I called customer service, entered my SS Number, and it routed me to a lady who saw all my information, she told me my account was handled through myloancare.com let me connect you. No one answered. I tried to log into XXXX and it would n't let me either. I asked for temporary passwords from each site, each site sent me an email with a temp password, however I still am unable to log into my account. I called Freedom Mortgage back at XXXX this morning and spoke with XXXX, she stated my loan is handled through XXXX go back to them. I tried to explain to her that the XXXX website told me to go back to you - freedom mortgage, she said no, I know it 's confusing because Freedom Mortgage is the parent company to XXXX, but you need to deal with them. Right now I am frustrated with all the lies, and lack of accountability with my account. Is this a SCAM set up this way so I had to pay the {$5.00} extra dollars by phone to pay my mortgage to gain additional revenue? Which I paid by phone calling Freedom Mortgage, so they wont talk to me about my account, they wont let me log into my account, but they will take my money over the phone? I have had issues with both of these entities since day one, I have filed numerous complaints and will continue to do so, until they are held accountable for these outrageous actions and lack of accountability for my loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 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: cra violation inaccurate information must be removed sent po report and idthft gov

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 05/30/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree Servicing LLC purchased my home loan from another lender in XXXX 2014. I have been making correct XXXX payments every month since the purchase but am now told somehow I am behind on my obligation ( the account was current and up to date prior to its 'acquisition ' by Green Tree ). My banking statements show the draft amounts and dates since XXXX XXXX, 2014. I have attempted to communicate my concern to Green Tree reps on numerous occasions but they seem to be stalling the resolution process.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. ().
Issue: Loan servicing, payments, escrow account

Complaint: Claim Number # XXXX I am very pleased to receive a check after CFPB reached an agreement with Equity Accelerator Program which is associated with HSBC Bank. I have a mortgage loan with HSBC in XXXX along with other accounts, but the bank seems just ca n't offer me an easy access to my loan account online like the other accounts I have with them. then, three years ago, i filed complaint to my financial manger in XXXX XXXX and demand a more transparent loan account information showing how much i have paid and the balance of my loan account in daily basis ONLINE like the other accounts. as you see from the attached, the mortgage information is always un-accessible online. to get my mortgage info, i had to made a call and then was transferred to a remote unknown country to get my mortgage information!!! Even so, they are not helpful and have no concept what they are doing. To make a story short, finally i receive my loan info monthly through mail, but online information has never existed. it always experiencing an " ERROR ''. Last week, I made a call to mortgage center ( this time within the U.S ) to find out the exactly amount to pay off my mortgage. I was given a number, but after we did some calculations the numbers were off what we owe. I bought a house for {$200000.00} in XXXX in XXXX with 20 % down. then, in XXXX, i signed up a speedy seven years payoff program by paying bi-weekly with Equity Accelerator. I am not an expert of figuring out how much i have paid to the loan and the balance, but I was given the number of {$87000.00} to pay off the loan as XXXX/XXXX/XXXX. we are skeptical about the numbers and hoping CFPB as our watch dog to help us to fight and deal with giant bank like HSBC. thank you so much for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Loan sold to Green Tree Mortgage. I was unemployed, received unemployment payments from the government and able to verify yet Green Tree never would approve my loss mitigation paperwork. Instead paperwork was ALWAYS lost and reps could never help or even tell me the same information twice. I began the loss mitigation progress with Green Tree XX/XX/XXXX. My loan was then changed to DiTech XX/XX/XXXX. DiTech said they did n't know I was in the middle of trying to modify and I was called 5+ times per day requesting payment in full. Again, I was unemployed and could verify this. I restarted the loss mitigation process again XX/XX/XXXX with DiTech. Like Green Tree, same run-a-round, my paperwork was lost and at one point in XX/XX/XXXX I was verbally approved for a repayment plan though I never received any letter in the mail. The next time I called, that rep who verified the payment plan no longer worked there and no one had any knowledge of me being approved for repayment. I then restarted the loss mitigation process XX/XX/XXXX and was recently told verbally that a letter was sent to me in XXXX stating my package was incomplete. I NEVER RECEIVED A LETTER. So here I am in XX/XX/XXXX restarting the loss mitigation process. Sadly, the rep I have is n't knowledgeable she also ca n't tell me how my mortgage amount continues to increase yet my mortgage is fixed. She always says she will call me back and never does. Last complaint is a {$40000.00} Corporate Advance account fee I am being charged in addition to my principal interest amount. I 'm aware this amount is significantly higher as told to me by an attorney. Green Tree turned DiTech is fraudulent and I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian has NEVER investigated any of my accounts and that 's a violation of section 1681 of the FCRA - Congress states that once I notify them that there is inaccurate information, they must initiate an investigation and the burden is on them to prove that their information is incorrect. They did not investigate, they did not attempt to investigate and this information has been sent to them 5 months in a row with no results whatsoever. I will be hiring an attorney to act on my behalf as I now have proof that they have violated many laws. Why are n't they helping me? I have clearly stated my disputes and I am sending you ALL of the letters that I have given them. 
Please see attached letters which substantiate my claim.

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 10/13/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Credit card protection / Debt protection

Complaint: In XXXX 2015 Capital One Bank USA NA credit card balances were paid off by XXXX XXXX XXXX company in which I am paying them off in the form of a loan. The payments to the bank were considered a charge off and a zero balance exist yet they are still leaving negative comments on XXXX credit report bureaus. Because of the negative comments I am unable to get a loan or open a line of credit with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Debt collection (Other debt) with Debt Recovery Solutions, LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: While living with my mother in she opened an account on XX/XX/XXXX for services from XXXX for the apartment, I did not know at the time but she used my name for the account. The last payment was made in XX/XX/XXXX by her. According to the credit agency the last bill was sent on XX/XX/XXXX. 
The total amount for the bill is {$1100.00}. 

In XX/XX/XXXX we both moved out to separate locations. I do not know if she cancelled the service or not as I was not aware that it was in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
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: XXXX   XXXX   XXXX   XXXX   has been running a hard credit check when I have NOT applied for credit and they have now done it  XXXX  and will not remove the information though I 've been in contact with them through a   XXXX   since  XXXX    XXXX   and they were suppose to remove this and STOP and send me a letter stating that it has been removed! Not only is that inquiry still there but they did a new  XXXX  in  XXXX   XXXX !
When I submitted the complaint on  XX/XX/XXXX  all that " Equifax did was to say that   XXXX    ran my report so it 's accurate. '' THIS IS A LIE. The FACT of the matter is that   XXXX   RAN MY CREDIT REPORT WITHOUT MY AUTHORIZATION, PERMISSION OR ME EVEN APPLYING FOR CREDIT WITH THEM OR THEIR AFFILIATES.
Saying that it is " accurate '' is FALSE AND FRAUDULENT BECAUSE THIS WAS DONE BY  XXXX  WITHOUT MY PERMISSION AN ILLEGAL ACTIVITY ACCORDING TO THE FCRA. IF I DID NOT APPLY FOR CREDIT, AS I DID NOT IT FOLLOWS THAT A HARD CREDIT INQUIRY CAN NOT BE ACCURATE! I WANT THOSE INQUIRIES REMOVED AND  XXXX  BLOCKED FROM RUNNING MY CREDIT UNLESS YOU HAVE PROOF THAT I ASKED THEM OR THEIR AFFILIATE FOR CREDIT!
REMOVE IT! The first time I filed the police report and the whole nine yard and this was supposed to be removed! It was n't and so now this is going to need to be ESCALATED and FIXED. IF I DID NOT APPLY FOR CREDIT THEY HAVE NO RIGHT TO RUN MY CREDIT AND EQUIFAX HAS NO RIGHT TO REPORT THAT I AUTHORIZED IT WHICH YOU ARE DOING BY HAVING IT LISTED ON MY CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MN).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: XXXX XXXX XXXX XXXX XXXX does not answer the phone at all. I am on hold for so long that I finally give up. This morning, XX/XX/2018, they sent me an email statement after I told them I do not want any information about my account online. No one answers at customer service to get this resolved. 
I do not want to have anything about my account done online. I consider it a breach of my personal information for them to send me email statements. If customer service refuses to answer, how am i supposed to resolve this? 
They also keep saving my bank account information even after I ask them to delete it. I never gave them permission to save my banking information at all. 
thank you for any help on this matter.

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 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: There seems to be a problem with the Credit Reporting Agencies. I submitted a complaint because they we 're not reporting my balances and accounts as they should. Now they have added the accounts that I have paid my balances to zero, and my credit score has n't increased. I have gotten my balances way below 30 % and my credit score has stayed the exact way. I have paid off 4 credit cards to zero  balance, and my score has n't changed. I am beginning to feel that there is some sort of discrimination going on with the reporting agencies. I had 4 credit cards that are now zero balance why has n't my score changed. When I was over my 30 %, my score dropped almost 85 points. Now that I have those balances below 30 % my score is still showing no increase. I need this investigated, this is becoming very frustrating. I do n't trust this system what so ever, I have done my part, and this system is not doing it 's part. It is very disappointing, especially if I am working very hard to keep my debt balances low. I will be finding a lawyer, according to the Fair Credit Reporting Act. I will sue XXXX, XXXX, Experian, XXXX XXXX and whoever. This is causing so many problems on every level. I am going to be purchasing a home, and they are not fairly reporting and increasing my score as it should My score should be increased to almost 80 points. I 'm tired of what 's going on, and I will be seeking legal representation on this. Please help me, CFPB. If you see my attached document, my score was at XXXX with XXXX before they added all of my accounts that I paid down to zero, and when they added these accounts, my score has n't changed it is still the same. Also for XXXX it has n't gone up hardly any points after paying 4 credit cards to zero, and experian this is so frustrating.

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 08/14/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IL).
Issue: Money was not available when promised

Complaint: I initiated a purchase of XXXX ETH for {$1000.00} USD on XXXX XXXX, XXXX XXXX to be paid for with XXXX - Spend - everyday ... XXXX. My ethereum should have arrived by the end of day on XXXX XXXX, XXXX XXXX. I also initiated a purchase of XXXX BTC for {$910.00} USD on XXXX XXXX, XXXX XXXX to be paid for with XXXX - Spend - everyday ... XXXX. My bitcoin should have arrived by the end of day on XXXX XXXX, XXXX XXXX. Nothing has arrived. I have tried to contact Coinbase but I have not received any support.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hard inquires were made without my consent. I called and sent letters to various companies and they told me that they were a third party company who made inquires on behalf of the original company. I asked them to prove validation, but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have a XXXX account. I 'm trying to move one from there to my bank account. So far, I get a message saying that my banks ; TD Bank AND XXXX XXXX will not enable external apps and I can not transfer money into those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Debt collection (Credit card) with Pittenger Law Group, LLC. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a dunning letter from a law firm signed by an attorney. I sent a timely response disputing the alleged debt and demanding that he cease and desist from any further collection activities until he had validated the alleged debt. He sent me more dunning letters without proper validation. 
A partner in the law firm filed a state collection lawsuit against me. In court, the attorney is shifting the burden of proof onto myself, the defendant.

Company response to consumer: Untimely response
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax collected personal and critical information on me and my family, and handled it carelessly. This information is now in the hands of criminals who can use it to inflict high monetary and psychological damages on us. Remedial actions are only partial, take time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I do not recall having debt of {$59.00} with XXXXXXXX XXXX XXXX XXXX.This must be incorrect. How am i supposed to read books and do my homework, candle sticks?

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 02/16/2018 about Mortgage (FHA mortgage) with Alabama Housing Finance Authority (WA).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I received a mailed letter ( dated XX/XX/XXXX ) from XXXX stating that my homeowner 's insurance policy had not been renewed, and that if not renewed, XXXX would purchase a policy for the house for an excessive amount. 

On XX/XX/XXXX I called XXXX customer support and was told to have my insurance provider ( XXXX ) send a renewal notice. I called XXXX on XX/XX/XXXX and requested the notice be re-sent ( they told me they had already sent multiple notices to XXXX. ) The representative from XXXX also found that my home loan number on file was incorrect. ( I am unsure of whether XXXX changed my home loan number, or if it somehow became corrupted on the insurer 's end. The insurance premium was paid out late by XXXX in XXXX and there was no misunderstanding about the loan number. ) The loan number was corrected and an updated renewal notice was sent to XXXX. I received in the mail a copy of this notice dated XX/XX/XXXX. 

On XX/XX/XXXX I called XXXX again and they said they had not received the new policy renewal notice. They once again asked me to send them another copy and I did so. There has been no response.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (I do not know) with AFNI INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by AFNI, Inc. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Bayview Loan Servicing forced lender placed insurance in the amount of XXXX for a property that I paid {$80000.00} or thereabouts for Annual premium is {$15000.00} I

Company response to consumer: Closed with explanation