milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/31/2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (PA).
Issue: Taking out the loan or lease

Complaint: On XXXX, I filed an dispute with Westlake Financial Service via certified mail return receipt requested. Westlake Returned the certified mail receipt with a stamped signature by XXXX XXXX. In my dispute, I advised Westlake Financial Service to provide copy of contract with my authentic signature that started the alleged debt for an auto loan. More importantly, I advised Westlake Financial Service to provide the above-mentioned document within 15 days of receipt of my dispute. As Westlake Financial Service are aware, if the document requested is not available, the disputed item must be removed from my credit report. Otherwise, their company will be in violation of the FCRA. I did not received the rquested document within the time frame alloted by the FCRA, which is fifteen days. I subsequently, filed another dispute on XXXX with certified mail return receipt requested. Westlake mailed back to me the certified mail receipt to me with their representative signature dated XXXX/XXXX/2015. In this dispute I advised Westlake Financial Service that they received my dispute through the XXXX. Postal Service with me requesting Cerfified Mail receipt which was signed by a representative of their company. I advised Westlake Financial that they have failed to respond to my dispute with the allotted time of 10 days of receiving my dispute. Next, I advised them that they are FCRA violations that have been perpetrated by their company. More Importantly, I advised them that XXXX XXXX XXXX. XXXX, " Responsibility of furnishers of information to consumer reporting agencies '' prohibits their continue reporting of this purported item which can not and have not provided copy of contract with my authentic signature. 
I advised them that notwithstanding their flagrant violation of the law, that I am offering to settle their FCRA violations prior to legal actions with the following terms : 1. They delete this account from all my credit reports and mail evidence of their bureau notification 2. They agree to close this account and sell it to any other collector. 
3.They arrange to pay {$1000.00} for my damages. 

I advised Westllake Financial Service to respond 15 days from XXXX, it is now XXXX, and I have not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Specialized Loan Services took over my account from XXXX XXXX XXXX XX/XX/XXXX and to date i have not had XXXX payment or interaction that i could call positive. The latest incident is that since XX/XX/XXXX SLS is cashing my payments but not posting any of them to my account. I have called to have a " miscellaneous fee '' of {$110.00} explained. They would not send further documentation and the phone representative said they can not provide or explain. In the last two months i have made the following payments but the value of my loan is rising rather than decreasing. 
XX/XX/XXXX : $ XXXXXX/XX/XXXX : $ XXXXXX/XX/XXXX : $ XXXXXX/XX/XXXX : $ XX/XX/XXXXXX/XX/XXXX : $ XXXXXX/XX/XXXX : {$370.00} ( Pending - on hold until payments post ) TOTAL PAYMENTS MADE : $ XXXXIs this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Response disputed Equifax said : Explanation of closure Equifax has reviewed the complaint and its records. An adverse account will be automatically deleted 7 years from the date of last activity. Written confirmation was mailed on XXXX/XXXX/15. 

THE ABOVE paragraph is the silly response that Equifax has just sent me via my complain regarding account labeled XXXX. I disputed its age, and its unlawful re-aging and also the fact that all of the necessary credit history had been deleted. Equifax sent me this response and it makes NO SENSE! I do not know if they have deleted it or not. This account needs to be removed as it is unlawful and violating FCRA Law, they sent me this vague answer. How can it be removed after 7 years AUTOMATICALLY, as they claim, if they have lied to me and deleted the history which I was disputing as inaccurate in the first place. please help me, I am desperate and confused here.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I was involved in a scam and was scammed out of XXXX for a loan and in return given a bogus check for XXXX and was to give back XXXX. I against my better judgement deposited the check on Monday and then a few days ( weds ) later I called the bank to alert them that the Check might not be real and that I was scammed. I spoke with the first customer service rep who told me that all this could be resolved and to file a claim and that I could keep my account opened. So I filed a claim with the claims department and they advised the Check would be removed. Received a letter on this tues if the claim being completed and approved, I called back again on ( weds ) Was told I my account was only restricted and once the claim was processed it would be opened again. Then Thursday the check was still there. I called again and was sent to claims then to deposit team and told that the check would have to verified but I explained what happened and that I wanted it removed because of the scam. I again was told it would be removed the next day and then the account would be open. Then the next day Friday deposit department says the account is closed. And my direct deposit was sent back to my employer and I call my employer it was not. Call chase again on Monday XXXX and my direct deposit is there but being held. Then the rep said you can go to bank and open a new account. Go in branch and told they would research and then would let me know and then branch manger says there is nothing he can do. This Bank is so fraudulent and everyone is all over the place. I pay my bills and rent via my account have been a week without money because I was scammed. And I am the only one who lost money not the Bank, me. I want a new checking account or my old account reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax investigation of my dispute of the following accounts : XXXX XXXX Bank, XXXX XXXX XXXX, XXXX Bank and MN XXXX, took longer than 30 days to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: MY ACCOUNT IS PAID IN FULL! My account will get adjusted them payment will reverse back to account balance but not back to my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I use autopay, from my bank to pay my Citicard credit card. Citicard was set up to send me paperless statements. I never received an alert or courtesy via mail, or telephone call stating that minimum payment changed. The emails were automatically going into my gmail " promotions '' which do not show in the inbox. Monthly payments for the past amount were paid, on time every month for what I thought was the minimum due. I was not aware that I was getting a late charge, that accrued with continued late payment for 4 months. 

Late payment were charged X/XX/17- {$25.00} XX/XX/17- {$35.00} XX/XX/17- {$35.00} XX/XX/17- {$35.00} Automatic payments were made X/XX/17- {$25.00} XX/XX/17- {$25.00} XX/XX/17- {$25.00} XX/XX/17- {$25.00} It is obvious that I had/have all intentions on payment. Citibank refuses to issue a refund on the late payments and they have marked my credit as late and stating they can not reverse the late on my credit report.

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 01/25/2016 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification through Flagstar bank on XXXX XXXX, 2016. I spoke with a representative at Flagstar bank in hopes of the underwriter granting my modification request due to my financial hardship. I have a serious XXXX and i do qualify for the XXXX XXXX HAMP program. On the phone call i spoke of earlier, i was notified by Flagstar that i would have a new servicer of my loan. I have not been provided sufficient details in writing about my loan modification request. Today, is XXXX XXXX, 2016. Flagstar has waisted four months denying my requests on XXXX occassions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (OH).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Juniper AKA Barclays took my payment out of the wrong account which I have n't used for over a year, put that account {$190.00} in the negative. They refuse to do anything about it besides try to give the money back which could take 30 days and more fees spiralling my account farther into the negative. Barclays also r efused to cover the charges to my account caused by non sufficient funds.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX ( " XXXX '' ) serviced our mortgage until XX/XX/2013. Our mortgage was sold to XXXX that month, after XXXX puller their business out of most of Maine. Prior to the transfer XXXX agreed to modify our loan to allow us to bring our payments up to date. We recently attempted to obtain a home equity loan with XXXX however XXXX continues to show our late payments on our credit reports. We have written to the three major credit reporting agencies and requested that they delete the negative item, but they will not do so without XXXX 's action. We have asked XXXX to remove the negative item from our credit reports, but the company refused to do so. Given the fact that XXXX has not serviced our loan in nearly five years, we feel that continuing to report a negative item to the credit reporting agencies only serves as an open ended punishment.

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 06-05-2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX XXXX and again this is a complaint against Bayview Mortgage Company. Bayview called my home owners insurance company which is ( XXXX ) and just decided they wanted to pay the balance of my insurance. I got a email from XXXX XXXX telling me that my home owners insurance had been paid in full and I know I did n't do it they take the money out of my check monthly and it is n't due until XXXX XXXX. XXXX XXXX told me they did n't know why Bayview had called them they did n't call Bayview nor did they send them any information stated that I was late or behind they thought it was strange but went on and gave Bayview my total balance which is XXXX. XXXX XXXX takes my home owners insurance out of my check monthly. XXXX XXXX told me that Bayview paid the balance on XX/XX/XXXX and that they had already taking my payment out for XX/XX/XXXX. Now Bayview already went up on my mortgage from {$470.00} to {$680.00} a month because they paid my property taxes which I was late and I understand that but not raising my mtg up that much. I am still in the process of fighting with them about this cause my check is only {$570.00} bi-weekly how do they think I can pay {$680.00}. I had explain to you prier that Bayview had put me in a escrow and that I had to make up the difference which was {$8100.00}. I got a letter from Bayview denying me to lower my mtg payment they said that I was bringing in {$3100.00} a month I had sent them the months of my check stub they requested and both of them together do n't total this amount. I called them to see where they came up with this figure and no one seems to know or even give me an answer they just keep switching me to different departments. I called Bayview and asked them why they called my insurance company and did this the man laughed and said oh we just thought you wanted this. I asked him why and I cant even pay what my mtg is now he did n't even have a answer for me again no one seems to know anything about why things are happening to me and my house. Please can you contact Bayview and request that they again stop calling my insurance company and to figure out why they do n't want me to stay in my home. I have never been late with a payment not even since they raised my mtg payment but I could only send them {$470.00} instead of {$680.00} for XX/XX/XXXX. Now since Bayview had paid my insurance in full now my next payment is going to be even higher why I just wan na know why are they doing this. My XXXX XXXX is high this is my only home I do n't want to get evicted I am doing the right thing my house is up to code I have never been late in any payments with anyone can your company please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i disputs the XXXX inquires on my report this is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PR).
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: This is in response to CFPB complaint # : XXXX, that was closed because EXPERIAN said that they " VERIFIED ". <P/>CFPB said that EXPERIAN responded and verified that the disputed information was accurate as reported?. The result summaries were sent to you for review on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX? <P/>THIS IS INCORRECT. THEY FAILED TO SEND ME PROOF OF VERIFICATION FOR EACH ITEM IN DISPUTE. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if Experian are unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed within 30 days of receipt of letter then EXPERIAN must remove these accounts from my credit report. <P/>Only that I requested to EXPERIAN is that send to me proof of verification on items in dispute, and they failed in 9 certified mail letters that I send to them. I have copy of each letters. <P/>The LAW is clear, all unverified accounts must be promptly deleted.

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Midwest Recovery was supposed to remove this fraudulent trade as of XX/XX/XXXX per their response. It has been removed from all CRAs with the exception of XXXX. Please remove ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I did a loan modification on my mortgage 8 years ago. I was aware of the increase in the interest over the time period. I did start back at 30 years. I now have a XXXX dollar balloon payment after I pay off my mortgage. How is this legal? I have lived in the home for 28 Years and I the company has and will get plenty of money. This balloon will put me over what the home is worth.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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 reported debts on my account a few years ago. I requested validation because I knew nothing about this - XXXX failed to validate with me after I sent them a registered letter. I sent this information to all three  credit bureaus ( equifax, XXXX, XXXX ) - the credit agencies removed the XXXX listings. Fast forward four or so years. THE SAME listings pop up once again. once again I sent a request to XXXX about these, what are they please validate. They again fail to do so. I sent this information over the the three credit agencies. XXXX deletes the listings. XXXX deletes all but one of the XXXX listings. equifax deletes NONE of the listings. This is the second time they have done this, is n't it illegal to do this again after they failed to provide validation the first time? I have the receipts from the original letter to XXXX that they received. I send copies to the credit reporting agencies of both the letter I sent to XXXX, the tracking number and the actual USPS form showing it was received and it had been over 30 days since they received it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Contacted Owcen multiple times and then made a complaint to your office. 

Got XXXX letters and then a call yesterday that says we still do n't qualify even though their letter to us XXXX/XXXX/2015 says the automatic termination of PMI the date the principal balance of the loans first scheduled to reach 78 percent of the original value of the property. It has and yet she stated today they just sent us a letter declining to drop PMI. 

We have always been current. We are well past the 80 %, {$160000.00}, the original loan stated PMI would be removed. We are past the 78 %, {$150000.00}, of the original loan amount as stated in the letter received. Yet they are still refusing to remove PMI and return money paid after we met the automatic PMI removal of our original loan agreement or their companies stated policy as received. We want the PMI overpayments to be returned. 

Their employee told me on the phone last week that they had sold our loan to XXXX and we have yet to get any information of such sell. We emailed them and told them any late payments of our county taxes or home insurance from our escrow account as they are both due this month would be turned into the governing bodies. They did n't pay either on time last year which caused a lapse in our homeowners insurance of around twelve days. 

We need your assistance in getting them to refund and remove the PMI which is not needed any longer under their own policy in their letter or our original loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Trouble during payment process

Complaint: XXXX : Ocwen Loan Servicing LLC Loan # XXXX Property Location : XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX I currently own an apartment located at XXXX XXXX Ave., # XXXX XXXX XXXX, NY XXXX [ XXXX XXXX, New York ]. 
My mortgage is held by Ocwen Loan Servicing LLC. Ocwen is located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 
My current mortgage payment is {$690.00} [ Loan # XXXX ].  The outstanding amount owed on that mortgage is currently around {$33000.00}. 
The Fair Market Value of my apartment is around {$310000.00}. 
On XX/XX/XXXX, I received an Annual Escrow Account Disclosure Statement that reflected RIDICULOUS new charges to my account. 
The statement reflected that I owed County Tax on my apartment for {$83000.00} for tax year XXXX and {$110000.00} for tax year. 
Therefore, according to Ocwen, starting XXXX XXXX, my monthly mortgage payment would now become {$11000.00}. 
Upon receiving the Annual Escrow Account Disclosure Statement, I immediately contacted Ocwen to ; 1 ) Inform Ocwen that there was NO such thing as a County Tax in XXXX XXXX, NY. 
2 ) Ask them where they had gotten the information that was reflected on the Annual Escrow Account Disclosure Statement.
3 ) Provide me with the information that they had used to include that false charge on my Annual Escrow Account Disclosure Statement. 
4 ) Ask them why they did not question how there could be a County Tax of close to {$190000.00} on an apartment that had a Fair Market Value of {$300000.00}. 
5 ) Ask them why they did not contact me about the supposed County Tax before it was included in my Annual Escrow Account. 

During the last month, I have spent at least six ( 6 ) hours on the phone with at least five ( 5 ) different Ocwen Representatives who EACH promised to provide me with the information. 
I was told by each Ocwen Representative that the information would have to be researched and they would get back with me within the week with answers to my questions. 
Ocwen also scheduled two ( 2 ) different phone appointments with me to discuss their findings. 
Although I made myself available for both of the phone appointments, NO ONE EVER CALLED. 
NO information about who instigated the fraudulent County Tax has ever been provided to me.
Needless to say, I am unable to make a monthly mortgage payment of {$11000.00}.
I also should not have to pay for a County Tax that does NOT exist. 
I need your immediate help with this situation. If you have any questions you can contact me at either number listed below. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( Land Line ) ( XXXX ) XXXX

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