milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2016 about Mortgage (Conventional fixed mortgage) with NETWORK FUNDING, L.P. (CA).
Issue: Application, originator, mortgage broker

Complaint: During the refinancing process of negotiation and in order to meet a competitor 's closing cost, Network Funding LP 's mortgage broker agent XXXX XXXX XXXX ( XXXX XXXX XXXX ), promised to reimburse me for the appraisal cost in the amount of {$450.00} ( in addition to discounts ), and promised to send me this check after closing the refinance deal. I accepted the offer from Network Funding LP ( XXXX XXXX XXXX ) company under these terms referenced above, and we proceeded with the refinancing agreement. A few weeks after the refinance closure, I had n't received the check and I had to remind XXXX XXXX about this term of our agreement via email, over and over again and she kept saying she would send the check in the mail. This misleading treatment from XXXX XXXX, back and forth, occurred throughout a XXXX month period and I have yet to receive the {$450.00} check. On her final message dated XXXX, XXXX XXXX made a statement that I should have received the {$450.00} check in escrow ( changing the terms of the refinance negotiations I had accepted along with her three months of emails proclaiming the same ). On XXXX XXXX, 2016, I emailed XXXX XXXX requesting her supervisor 's contact information and she refused to do so. Then on XXXX XXXX, 2016 I emailed Network Funding LP ( XXXX XXXX branch manager ), XXXX XXXX XXXX, regarding XXXX XXXX 's lack of follow-up and the non-submittal of the {$450.00} check, and have yet to receive a single response from Network Funding LP. I find their treatment of my refinance transaction and account as unethical and fraudulent. Please accept this formal complaint and please advise if there is anything you may assist me with, on this matter. Grateful for your time and guidance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called   XXXX   and disputed some inaccuracies on my credit file. These were deleted from my filed and when I called Transunion and  XXXX  they are not wanting to comply. I have inquiries from  XXXX   XXXX  that I have no knowledge of multiple times in  one  day.

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 05/20/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My property is in foreclosure due to a divorce. My Lender is OCWEN, I decided to sell my property to avoid having a foreclosure on my credit. I contacted OCWEN to let them know I was selling the property. I listed the property and have a approved buyer. A couple of weeks after that I received a notice that OCWEN had set a date to do a foreclosure sale on my property. My XXXX XXXX XXXX and I contacted OCWEN to see if they would postpone the sale date to allow the sale escrow to close verses foreclosing. They requested I submit a request for Mortgage assistance package and all of my financial information along with the proof the buyer was qualified. We sent it to them on XXXX XXXX, 2016, We spoke with them on XXXX XXXX, 2016 to confirm they received all of the required documents. They said they had. On XXXX XXXX, 2016 I received a response denying my request. My agent spoke with a representative on XXXX XXXX, 2016. They requested additional documentation. On XXXX XXXX, 2016 My agent spoke with them again. The representative told him the instructions previous given was wrong and that they should have never told us that. We requested again that they postpone the foreclosure sale to allow the sale escrow to close. They said they have to review it again. WE NEED THiS TO STOP. It appears OCWEN would rather foreclosure than to allow me to sale my property and prevent a foreclosure on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
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: I recently disputed an collection account with Experian they are currently reporting an unverified, unproven, non compliant collection account from XXXX XXXX. I send my dispute certified # XXXX. In which they have failed to comply. Due to the fact that NO ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH ACCURACY, COMPLETENESS, AND COMPLIANCE To XXXX XXXX and they have failed to prove otherwise and refused to delete 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 non-monetary relief
Consumer complaint received 08/29/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (VA).
Issue: Trouble during payment process

Complaint: I refinanced my original mortgage with XXXX in XXXX at a high interest rate. This mortgage was modified to reduce interest in XXXX. That company sold to Bayview loan servicing the end of XXXX. The new company tool over the beginning of XXXX. This company has received payments above the amount due for my payment every month. They have been placing the additional funds in as unapplied funds even after reminding them this is to be applied to principle. They have also added a late fee to my bill even though I pay early and extra. They stated that this is not a late fee but a company fee that occurred during the transition period. Upon review of all documents they have sent there has been no resolution to this issue. I removed the twice a month auto drafts and chose to pay online the full amount I have been paying with the specific allocation for additional funds to be applied to principle. I received my statement last week and it still has a late fee listed and unapplied funds from my last payment. The statement also states that no payment is due until XXXX. It is my belief that this is also how the previous company was handling my payments upon further review of statements.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: There are several discrepancies are my credit report I 've spoken with more than several people at each of the CRA 'S and they will not correct my credit report in the way its supposed to read on toward the public. XXXX of the account in XXXX Dept of ED/XXXX continues to read PAYS AS AGREED and the account has been PAID and CLOSED that 's the way the account is supposed to read also XXXX has stated that they do n't report account as PAYS AS AGREED only as CLOSED and PAID when and if necessary. 
Ihave documentation from XXXX stating these facts and have sent it to them and no change in my credit report. Also I only have XXXX negative account from a {$200.00} credit card that 's CLOSED and PAID at this time and when I paid the account the account went into good standing with all CRA 'S although it still reports as a negative on credit report for seven years and I understand that but also in the scoring module its a positive factor to close and pay an account and it gives you a higher score rating for the closure of the account whether it was good or bad and again I have not received any points in the positive.There are several more discrepancies but one thing can be done and that 's to update my credit report by hitting ENTER on the keyboard after highlighting an account in the correct areas like the STATUS or BALANCE even though it might say XXXX hitting the ENTER key after highlighting the account will update my credit report and score correctly. 
I have a good credit report and my score is much too low it should be much higher please help with these issues and help correct my credit score.

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 10/25/2015 about Consumer Loan (Installment loan) with PENTAGON FEDERAL CREDIT UNION (AZ).
Issue: Taking out the loan or lease

Complaint: Due to getting out of the military in XXXX I had file Bankruptcy XX/XX/XXXXandXX/XX/XXXX ask Pentagon cu for several loans toHelp me along with my credit but they constantly give meThe runaround saying I am not egible for another loan fromThem until I payoff my discharge loan from 33 years agoI would you to look into this matter for me please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: filed police report houston pd # XXXX violates my fcra act hippa remove stuff that are not mine Id theft victim

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 03/27/2015 about Credit reporting () with EQUIFAX, INC. (SD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I recently applied for a XXXX XXXX and received a denial letter and they used my credit report from Equifax. Reasons for denial, judgement, derogatory public record, no recent non mortgage balance information. All false information and none should appear on my credit report as I just received my current credit report from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Debt collection (Other debt) with Union Credit Corporation (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Union Credit Corporation has repeatedly re-aged a old debt and the incorrect information is having a negative affect on my credit report. The company mentioned above has changed the open date on the account on several occasions. I have my old credit reports to prove this unlawful act. The company states that the account was obtained XXXX XXXX, XXXX. And las reported XXXX XXXX, XXXX. In the amount of XXXX. Which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: -On XX/XX/XXXX a bill was sent to me from XXXX in regards to a debt owed to XXXX in the amount of {$840.00} which should have included the amount owed for a phone and the last phone bill. 
-On XX/XX/XXXX a bill was sent to me from Receivables XXXX XXXX, X

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I CALLED PORTFOLIO RECOVERY ACT TO SETTLE A BALANCE. THE CSR WAS VERY RUDE AND WHEN I ASKED HOW MUCH IT WAS GOING TO BE TO SETTLE, SHE STATED SOMETHING SIMILAR TO " WHY? YOU DONT HAVE THAT KIND OF MONEY '', " YOU COULDNT PAY THE MONTLY PAYMENT OF X $ ON YOUR CREDIT CARD, BUT YOU HAVE THE MONEY TO SETTLE ''? SHE WAS VERY RUDE AND WAS WORKING AGAINIST ME. I THEN TOLD HER I WOULD SEND THE MONEY TO XXXX AND SHE STATED THEY WILL SEND IT TO PORTFOLIO. THAT DAY I WAS CONTACTING XXXX DIFFRENT AGENCIES TO CLEAR UP MY DEBT, THE OTHER XXXX WORKED WITH ME AND THE DEBT IS NOW PAID. THIS DEBT IS STILL OUTSTANDING SINCE SHE WAS SO RUDE WITH ALL HER COMMENTS AND SLANDER THAT NOTHING WAS RESOLVED THAT DAY.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (Medical debt) with Receivables Management Corporation (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: For months I have been harassed by this incredibly rude and unprofessional company. They have called and yelled at me, hung up on me and refused to give me any information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit card () with U.S. BANCORP (DC).
Issue: Closing/Cancelling account

Complaint: Issue : - US Bank credit card was opened in XXXX XXXX : account XXXX - For 9 months payments were made on-time and frequently - One scheduled payment in XXXX XXXX was returned unpaid by my bank - immediately corrected - In XXXX XXXX, a second scheduled payment was returned unpaid by my bank - Due to this second returned payment, US Bank elected to close the credit card account completely - In doing so, US Bank confiscated XXXX reward points earned over the lifetime of the account, valued at {$2800.00} Notes to complaint regulator : - This is the third complaint I am filing against US Bank with various organizations - The credit card agreement of the above-referenced account clearly says that US Bank may close the account at any time for any reason - The credit card agreement also mentions that when the account is closed, all earned reward points will be forfeited - I therefore can not and am not disputing the contractual legality of US Bank 's actions - I am, however, filing a complaint on the basis of extremely unfair and predatory actions - While it is perfectly acceptable that US Bank may decide to close an account, I find it unfair and predatory that they should confiscate all reward points when doing so - I find that this may stem on a basis of false advertising : entice customers to apply for and utilize a credit card, allow them to earn rewards, then close the account at any time without paying on earned rewards - I am simply asking US Bank for a goodwill gesture to honor the reward points earned on my account. 
- In doing so, I would also like to alert the complaint regulator that such a credit card agreement policy ( all rewards are forfeited upon account closure ) can pave the way for such predatory practices against consumers such as I am experiencing. From my research, many other large banks have recently removed this policy altogether.

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 06-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I am going back to my case initially applied with CFPB on XXXX/XXXX/2016. My complaint was that Seterus Inc. has been messing with my account for two years now, and they do not own up nor feel they are responsible for these mistakes where I can loose my home because of their negligence. Seterus responded to this complaint they made no mistake in paying for my County Taxes from my escrow, when in reality they did. Last year was my home Insurance and this year was my County taxes. They also confirmed in their response to you that I will not be responsible for the penalty fees incurred for paying late ( 2 months later after I called to find out why they have not made said payment. ) and as you can see by the attached letter I received yesterday XXXX XXXX, my escrow has increased and I am responsible. 

Neither my taxes nor my home insurance has increased in 2016, on the contrary my taxes were decreased in 2016, how does Seterus determine to increase my escrow, and that my escrow has a deficient.?

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Student loan (Federal student loan servicing) with ConServe (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I received a call on my job today from XXXX XXXX, who is employed by ConServe. I have not given my work number to any agency nor permission to contact me on my job. The call was humiliating and embarrassing. My goal is to find out what my rights are legally. My major health issues and low paying job have prohibited me from making regular payments. The previous collection agency would tell me that I was refusing to pay loan when I did not make their minimum payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2016 I reviewed my credit report and noticed that an account that I do not recall. Therefore on XXXX XXXX, 2016 I sent a validation letter requesting information on the account they claim I owe them. As of today, I have not received a response from this collection 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 02-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (IN).
Issue: Loan modification,collection,foreclosure

Complaint: I just RECIEVED a letter from my mortgage company " CitiMortgage " I RECIEVED the letter on the XXXX of XXXX that on the XXXX of XXXX our mortgage will be sold to XXXX Mortgage a division of XXXX Bank. The letter also states that " if they have n't RECIEVED evidence of current insurance they would be canceling ours effective transfer date '' my concern is XXXX fold. 

1. This type of notification did not provide us the " 15 working days " that is required by law in order for the account holder to sell the " account " 2. Upon receiving the letter it leaves us only 5 working days to contact them, ensure they have the insurance and also ensure that the proper notes are also carried over.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing statement

Complaint: Regarding Complaint # XXXX First of all thank you so much with your assistance in this matter. 
I spoke to XXXX on XXXX/XXXX/16 and they reported that they did not received your letter or a letter from Exxon requesting the removal of delinquent payments from my credit file. 
XXXX and XXXX have already deleted this information from my credit report. 
I immediately called Exxon and they confirmed that a letter was not sent to remove delinquencies from XXXX. 
To add insult to injury, when I ask Exxon to send it to XXXX they refused to send a letter directly to XXXX. This contradicts your ( CFPB ) correspondence dated XXXX/XXXX/2016, in which they said they would. 
I am asking again for your help to get this matter resolved as Exxon responded they would in their response to you. 
Obviously, Exxon does not care if they harm a consumers credit and business reputation, however, they should take a CFPB intervention more seriously, stop bullying the consumer and follow through as they stated. 
Thank You again for you help. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with EQUIFAX, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I received a  XXXX  form dated for  XXXX  from   XXXX   XXXX   XXXX   XXXX  . in regards a   XXXX   XXXX   XXXX   account  ( cre dit card ). I have sent numerous letters all three credit bureaus and to   XXXX   XXXX   XXXX   asking for my credit report to be updated to properly reflect my balance as {$0.00}. As of right now,   XXXX   XXXX   XXXX   my credit report still shows a balance owed of {$17000.00}  ( this is not correct and is severely damaging my credit reports and credit scores ). I  demand action and my credit report be updated immediately. I also want a letter from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . stating this will be fixed permanently within the next 30 days. They have had 4 years to correct the problem and I am still fighting this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I wrote BofA check number XXXX ( {$1700.00} ) to XXXX XXXX   for a mortgage payment in XX/XX/XXXX. XXXX did not credit my account. Upon review of check that was submitted for payment, the pay to name had been changed ( check fraud occurred ).  XXXX asked that BofA submit a claim to XXXX. BofA sent me a check fraud claim form in XX/XX/XXXX. I filled out this form, got it notarized and submitted to BofA, per BofA instructions. 
BofA received this on XX/XX/XXXX per USPS tracking for the response I sent. 
In Late XX/XX/XXXX, I got a letter from XXXX indicating they had stopped investigating this claim because they never received the notarized claim from BofA. I have called BofA numerous times and they still can not confirm that they sent my claim to XXXX. 
I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. I  spoke to an XXXX at XXXX and XXXX. Each time, they said they had to talk to people in the back office to find out what was happening. To date, no one can tell me what BofA has done with my claim. 
Ive attached the USPS tracking form that shows delivery to BofA on XX/XX/XXXX and a copy of my notarized claim that I also emailed to BofA 2-3 weeks ago.

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 12/27/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: A loan modification request XXXX HAMP was requested and submitted over XXXX year ago with all supporting documentation. My XXXX request showed sufficient income to not only qualify under HAMP program, but to repay my mortgage and start making mortgage payments. In XX/XX/2016, the lender OCWEN wrote a letter advising that the modification was being denied due to insufficient income. However, the income noted on the XXXX shows a surplus every month. The letter although authored o XX/XX/2016 did not get mailed till XX/XX/2016 a month later, without sufficient time to appeal the decision. An incorrect decision was made regarding this loan modification request on my primary residence since HAMP should have been awarded.

Company response to consumer: Closed with explanation