milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is currently being handled by SLS beginning on XXXX 2015, prior to this it was being handled by XXXX. On XXXX XXXX, 2015, I sent XXXX a letter requesting to remove my escrow ( homeowners insurance and property taxes ) from my mortgage. They refuse to do this and claim that I need a professional appraisal and state that my loan to value on my home is 91.15 % which is erroneous. I will be attaching proof ( Comparative Market Analysis done recently on XXXX XXXX, 2015 on the neighbor 's home and a Comparable Properties Report including my home ) both of which show that all the homes in my immediate area are in the $ XXXX value range. I currently owe less then $ XXXX on my home, therefore making the stated LTV by SLS incorrect. 
I am asking for your assistance in removing my escrow account from my mortgage since my numerous attempts with SLS have been unsuccessful. 
I am going to attach all correspondence with SLS and the escrow account disclosure statement.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: there are XXXX accounts on my credit report XXXX- XX/XX/XXXX mortgage loan .. closed short sale- bank agreed not to report. 
XXXX reported XXXX XXXX XXXX balance O .. from 13 years ago.. creditor closed my account was never late. 
XXXX/card- bal o reported 11 years ago XX/XX/XXXX card was stolen .. closed still on report. never late. 
Transunion and XXXX reporting these accounts. they need to be removed..

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 12-07-2017 about Mortgage (FHA mortgage) with RP FUNDING INCORPORATED (FL).
Issue: Closing on a mortgage

Complaint: Lender ( RP FUNDING ) not only failed to disclosed that the PMI will be for the life of the FHA loan, but their loan officer ( XXXX XXXX ) provided inaccurate information stating, the PMI collected every month will be terminated at 11 years. According The the Federal Housing Administration / HUD this is not true for loans originated on or after XXXX 2013. My personal opinion do not trust or so business with RP Funding, additionally their cushier services provides misleading information not in a timely manner and usually, stating the information without provided within the time required by law, but not providing what the time required by law is. The PMI for life regulation of XXXX 2013 is unreasonable and by no means protects the consumer but money hungry computations. It is sad how this organized crime and scam is supported by this U.S government I now serve as a member of the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am a victim of Id theft and I sent two requests certified mail to equifax to do a security freeze. I mailed them twice the police report, utility bill, social security card and drivers license. I received confirmation of the certified mail. They did not respond to either of my requests for a security freeze. I called them XXXX/XXXX/15. I talked to 3 different people. The first one told me NO they wo n't do the freeze, I have to pay XXXX. The second one said I had a lock on my file, which I do n't recall placing and said I had to pay XXXX to lift the lock. Then they would place a freeze. I talked to a third person who again refused to do the security freeze and when I told them I was a vicitm and I sent my documents and provided the dates on the certified mail, they said they did n't have them. They said I had to send a third time and I could fax. This is very concerning as I sent highly sensitive personal information. I faxed it although I was very hesitant to do so. I sent these letters back on XXXX XXXX and they signed for it on XXXX XXXX ( 2015 ) and I sent it again XXXX XXXX. I 'm now concerned other fraudulent accounts may have been opened due to their lack of integrity and service issues. I want them to freeze my credit and send me updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I own a company, XXXX XXXX XXXX. I had an employee steal my personal and business information. They opened accounts in my name and ruined my credit. I have brought civil action against XXXX XXXX & XXXX XXXX. I won my lawsuit. They were also charged criminally and convicted. I have attached my legal work and I ask immediately that these accounts listed below be removed from my credit report due to fraud. 

1 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX balance {$16000.00} ( Remove ) 2 ) XXXX XXXX Opened XX/XX/XXXX balance {$6000.00} ( Remove ) 3 ) XXXX Opened XX/XX/XXXX {$0.00} Balance ( Remove ) 4 ) XXXX Opened XX/XX/XXXX Balance {$32000.00} ( Remove ) 5 ) XXXX   Opened XX/XX/XXXX Balance {$4500.00} ( Remove ) 6 ) XXXX Opened XX/XX/XXXX Balance {$27000.00} ( Remove ) 7 ) XXXX XXXX XXXX ( Home Equity Line of Credit ) Opened XX/XX/XXXX {$320000.00} ( Remove ) 8 ) XXXX XXXX Bank XXXX XX/XX/XXXX {$0.00} Balance ( Remove Account was compromised by fraud because my bank account used to make payments was stolen ) 9 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2100.00} ( Remove Account ) 10 )  XXXX XXXX Finance Opened XX/XX/XXXX Balance {$99000.00} ( Remove Account ) 11 ) XXXX XXXX   Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 12 ) XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove Account ) 13 ) XXXX Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 14 ) XXXX XXXX Opened XX/XX/XXXX {$3500.00} XXXX Remove Account ) 15 ) XXXX XXXX   XXXX Collection Opened XX/XX/XXXX ( Remove this Account it is part of my civil suit ) 16 ) XXXX XXXX Opened XX/XX/XXXX Balance {$6100.00} ( Remove this account ) 17 ) XXXX XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove this account ) 18 XXXX XXXX XXXX Opened XX/XX/XXXX Balance XXXX ( Remove this account

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 01-12-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I had set up a direct payment of monthly mortgage from my brokerage account. OCwen was pulling payment from the account. I moved the brokerage account and set up an auto payment EFT TO Ocwen. They did not stop trying to pull from the old account after being notified of the new account. The mortgage was being paid from the new account but now they have put a restriction on the mortgage and want payment by bank check or money order EVEN thought the mortgage has been paid each month on time from the new account. Ca n't get it resolved with there " customer service ''. Frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (Medical debt) with Alliance Collection Agencies, Inc. (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I had multiple medical issues/visits that were immediate emergency situations, each resulting in high bills. I was told that the bills were under my fathers name and account and that they were going to him. However, they appeared on my credit report with 7 open accounts in collections, all of which I was never notified about or received written notice for. I took the initiative and set up an automatic monthly payment plan to pay it off each month until fully paid off, which has been in process now for the past 6 months. Although I was never notified and was given the wrong information, I wanted to make sure that it is being taken care of and paid off. I have attached screenshots of the open accounts in collections. I have 100 % payment history.

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 09-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: XXXX XXXX XXXX card by Citi no longer provides return envelope for paying your credit card bill. It is the only credit card company that I know of that refuses to send envelopes for payment. They stated it is part of cost-cutting initiative. Consumers should be protected from company policies that most likely will result in consumers paying late fees or finance charges. The risk of that is higher because Citi policy makes it harder and more cumbersome to pay your bill. They say consumers have different options to pay bill ( I.e. By phone ) - this creates a higher probability that consumers fail to pay on time due to failure to remember to call on time. Most check writers belong to older population. Protect the seniors of our community from major credit card companies such as Citi.

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 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FLAGSTAR BANK, FSB (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In late XXXX XXXX I took out a home equity loan with Flagstar Bank. Among the papers I filled out was a request to have my payments automatically taken out of my bank account, and I provided a voided check. My first payment was due in XXXX and I made that manually. 

On XXXX XXXX I received a message from Flagstar saying it was urgent that I call them. Wondering if it was my loan, I looked online and saw that I had missed the XXXX and XXXX payments. I had no idea, I thought they were being auto-paid. I also had 2 late fees for {$35.00} each. 

I called Flagstar and they said that the auto-payment can take up to TWO MONTHS to go into effect. I was told that the loan officer should have warned me about that but " they do n't get trained right sometimes. '' At any rate, they said mine had NEVER gone into effect. I paid up my account and requested a reversal of the late fees. 

Today my credit monitoring alerted me that my credit score dropped 58 points! Flagstar has reported one missed payment. They 'll probably report the other one and my score will go down even lower! 

I have put in a request at Flagstar for them to REVERSE the reports of missed payments with the credit bureaus. I had great credit, I pride myself in not being late! 

1. My loan officer should have told me to continue making manual payments and monitoring my account until I 'm sure auto-pay has been implemented. 

2. Flagstar should have alerted me long before XXXX XXXX that I had missed two payments.

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 02-02-2017 about Debt collection (Medical) with Clark County Collection Service (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I rode in an Ambulance on XXXX/XXXX/2016. It took a while to get my medical insurance information so that XXXX paid the claim. In that time the charges were forwared to Clark County Collections Service XXXX. I 've paid the ambulance company and the lab company so I should have no other charges to pay but this collection agency is claiming I owe {$1200.00} with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX ( XXXX XXXX XXXX ) started reporting a collection that is outside the 7 year statute of limitations when they acquired it in XX/XX/2015. I have disputed this on a couple of occasions now and have been ignored on my attempts. I have asked the bureaus to contact XXXX through and investigation and demand they provide all the documentation they should have to collect this according to the FDCPA. They have not done so and are illegally reporting this.

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 04/18/2017 about Credit card () with DISCOVER BANK (CA).
Issue: Closing/Cancelling account

Complaint: Discover Card can celled my card without my request or permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2017 about Debt collection (I do not know) with National Principal Group, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: They call my phone number and play games on the line, use offensive language towards me and call me names when I tell them to stop calling me and then they h/up.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with On-Site Manager, Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I applied for an apartment that usese a third party credit reporting agency called onsite/ XXXX XXXX. They pulled this report on or around XX/XX/XXXX. It listed several false accounts in collections. I quickly reached out to the associated collection agencies both XXXX and XXXX University and obtained letters from both stating that the items should be removed from my report. Yet XXXX refuses to remove the erroneous information. This is preventing me from getting my apartment and is greatly impacting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My elderly mother XXXX XXXX was XXXX XXXX 2015 and I her daughter XXXX XXXX went a gathered all her bills to be paid, XXXX account with Synchrony Bank was delinquent and was sent to " XXXX XXXX, XXXX '' in the amount of {$310.00}, I paid the account in full on XX/XX/2015 XX/XX/2015 Synchrony Bank sent a statement with a new balance of {$94.00} with no previous notification or services provided to my mother. I sent Synchrony Bank in writing a letter stating the account was settled, they sent back a letter to her to contact the collection dept. to be better able to assist her. So together we called and they stated they do not deal with XXXX or any third party companies! I read the letter to her and she asked that I hold as she tries to remove the fees ... ... Comes back and states she can not remove the fees. They keep sending statements with more late fees now. Also the account is frozen and she can not use the card for her XXXX needs at this time. So I am now contacting you for assistance. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-06-2017 about Mortgage (Conventional home mortgage) with AmeriHome Mortgage Company, LLC (TX).
Issue: Trouble during payment process

Complaint: On   XXXX   XXXX   XXXX     I contacted my mortgage company to alert them that not all of my taxes had been paid and were due by the end of  XXXX . They had paid all of  one county and part of the second county. I  made subsequent phone calls on  X/XX/17   ,  XXXX ,  X/X/17   ,  X/X/17   ,  X/XX/17    and  X/X/17    and sent emails and faxes to resolve this matter. I have supplied them with account numbers, addresses and the tax certificate that was presented to them after closing showing all the tax accounts and counties they are due to. I have spoken to several supervisors with the last  one  on  X/XX/17    who looked it u p on the county web  site while I was on the phone and said that he would request a check be sent  XXXX  on that following Monday to avoid a tax sale and he would work with the tax department to resolve it after that. He would call me back by Tuesday   XXXX    . I never heard from him. As of   XXXX     the taxes remain unpaid and have incurred over {$400.00} in unpaid penalties and interest.

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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hi sent certified letters with in the last three months to all three credit bureaus and have not received a 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 10/21/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Hello. My daughter went to XXXX, a for-profit school out of XXXX. We were given no financial aid right out of the gate so we took multiple loans in my name ( her mother ) -all Federal in the beginning. The school had defrauded us by saying they will place her in an externship making good money, she made $ XXXX/hr on her XXXX ... not nearly enough to start making payments on the loans. The school told us it had a XXXX % job placement after school. That was also a lie. The school also told us it was accredited. Upon her trying to further her education down the line, it is now known the schools accreditation is lost and her credits are not able to be used as a base for furthering her education. The degree that we continue to pay for is utterly useless as no one accepts these credits. We were looking into Loan Forgiveness from being defrauded by the school, but were told since our Federal Loans were consolidated into private loans and they could not assist-even though the loans originally were federally backed. I have asked about Income Based / Income Sensitive repayment, which works for a time being all the while not touching the total amount due and tacks on interest, etc. and is not a solution by any means. I have extended repayment already and as long as it goes just to get the payment down and even that payment we struggle to meet every month. There needs to be a resolution here and we did n't realize that going to a for-profit school would become this kind of a hassle.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Debt collection (Mortgage) with Brock & Scott, PLLC (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Debt Collectors are attempting to steal my home after the debt has been discharged lawfully in a Chapter XXXX bankruptcy. Discharge paperwork lists mortgage as fully discharged. Interlopers are trying to force me out of my home with threatening unsigned letters. I have made numerous requests for the full account loan data which have been ignored. I have also sent FDCPA Validation Letters that have been ignored.

Company response to consumer: Closed
Consumer complaint received 03/24/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I pulled a tri-merged credit report and all the bureaus report a debt from XXXX XXXX XXXX a collection company on behalf of XXXX XXXX for {$430.00}. I do not recognize this debt and want verification. I was unable to dispute this debt online directly with the bureaus. I tried to obtained a copy of my reports directly with each report agency and have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Key 2 Recovery, Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a parment arangment for my student loans that were owed to the educational facility that I attened. I have authorized and setup a automatic set payment monthly on what I could afford with in my budget, the company key XXXX recovery is the company the arangment was set with. They Continue to call and harass me about this arrangements, stating that at first it was okay but they need more now. They inappropriately tell me to seek childsupport because I 'm a single parent or to borrow the money for me to make higher payments each month. Threatening wage garnishments if I ca n't make a large percentage payment. In the matter of XXXX day between XXXXXXXXthey called me XXXX times leaving XXXX voicemails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Money transfers (Domestic (US) money transfer) with DISCOVER BANK (CT).
Issue: Incorrect/missing disclosures or info

Complaint: I submited a fund transfer from my Discover online checking account to my XXXX bank. The confirmation stated that " Deliver By : XXXX/XXXX/2016 ''. However, the fund became available on XXXX/XXXX/2016. I have check which is returned due to insufficient fund on XXXX/XXXX/2016 in XXXX. If the fund was available on XXXX/XXXX/2016, the check will not be returned. The " Deliver By : XXXX/XXXX/2016 '' is misleading. Also, even if it means the sent date, I believe the fund will deliver to XXXX the next day according to XXXX. So XXXX can credit to my account on XXXX or XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-07-2015 about Consumer Loan (Installment loan) with NATIONWIDE ACCEPTANCE CORPORATION (IN).
Issue: Problems when you are unable to pay

Complaint: Nationwide LLC continually making harassing phone calls to me, my wife, and everyone on our reference list. I am unable to make timely payments due to my wife 's frequent medical expenses, rent and other bills. I pay whenever I am able. This company relentlessly calls me asking to pay. Making threats to repo the car. which I need in order to go to work and provide food for my family. The caller " XXXX '' from Nationwide LLC was very immature and very threatening to me and my wife and to all the refences my wife and I had listed on our application

Company response to consumer: Closed with explanation