milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom it may concern. I have been identified for another individual with the same name as me. I go by XXXX XXXX and I have been identified wrongfully and I am a victim of indentity theft. I have never signed any documents including student loans with Fed Loans Servicing or XXXX XXXX XXXX XXXX. I know for sure that my name is mixed up with another XXXX XXXX, I 've had problems with this before in elementary school and now. It is a frustrating situation to be indentified for accounts that I have never opened. I never attended any school. Please fix this problem. This is an ongoing problem and it needs to stop asap. All Fed Loan Servicing and XXXX XXXX XXXX XXXX are to be removed from my credit report. It was erased and placed back on my report and if it is n't removed for good I will have no patience or understanding and allow my lawyer to deal with you in a civil or federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX, I applied for the HAMP with XXXX Bank. XXXX month into the " Trial Period '', my loan was sold to BSI Financial, which has been a nightmare from the start. My HAMP paperwork clearly states " The terms of your Trial Period Plan and your Modification Agreement will REQUIRE us to establish an Escrow Account if your loan does not already have one, and to set aside a portion of your new monthly payment in this escrow account for payment of PROPERTY TAXES, INSURANCE PREMIUMS and other required charges as they become due. I filed a complaint back in XXXX, after BSI stopped escrowing my Homeowners Insurance. Reference Complaint # XXXX. On XX/XX/XXXX BSI responded. Per BSI ( our records indicate that the REQUIRED Homeowners Insurance Escrow issue was corrected. This was an error and BSI apologizes for any distress this may have caused. ) Today when I went on my BSI website, I saw that it was no longer being escrowed. I called BSI Financial and was told that " they were no longer tracking my escrow and that Homeowners Insurance was to be paid by me. '' This is clearly not what my modification states. When I reach out to the HAMP website, it clearly states that Property taxes and Homeowners Insurance must be escrowed. I thought this was resolved back in XXXX!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have notified Transunion that I was a victim of Identity Theft and I have provided them with a Identity Theft Affidavit. To date, Transunion have not removed these reportings that do not belong to me. Such as, inquiries within the last 16 months, Bankruptcy ( Chapter XXXX ), and the Release of Tax Lient. I am in need of your assistance in getting this matter resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had a debt that was being collected from XXXX XXXX XXXX I think last year. And it went on my credit report negatively for {$100.00}. This was not my debt. It was disputed and removed from all credit reports. A year later a company called Diversified Consultants , Inc from XXXX, Florida is trying to collect the debt apparently and it went on my credit report again. I have once AGAIN disputed it through the credit reporting agencies and wrote a letter to Diversified Consultants upon finding it on my credit report. I was never notified by them that they were trying to collect a debt or I would have submitted the investigation paperwork from the last incident. Which, to reiterate was removed due to lack of evidence this was my debt!! Now it seems the debt is being resold and collected again??? I have not heard from Diversified Consultants to date. I want them to remove the negative account from my credit reports and stop collecting against me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (Medical) with Herbert P. Sears Co., Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX XXXX XXXX XXXX XXXX XXXXThis place stated that I owe {$1500.00} for braces that were not supposed to be placed in my mouth. If anything I should have sued them for XXXX. This dental company quickly threw some XXXX to get a cut of my XXXX benefits, knowing that my XXXX strongly advise me to wait until I got all my XXXX taken out. When I went for my monthly visit I was refused dental treatment due to non-payment. I left the office upset and rejected. I had to walk around for months with XXXX that became painful and disfigured my mouth. Months later I get a bill for {$1500.00} stating I needed to pay in full. I actually tried to work out a deal and even thought of giving them another chance to redeem themselves, but instead they said they would have to charge me the full amount for XXXX, which was close to {$4000.00} after I paid the {$1500.00} that I supposedly owed. They even wanted to charge me for taking the XXXX off, due to their wrong doing. After hearing this I knew this was not the place for me, nor did I trust the practice. A year later I went to a different XXXX office and they helped fix my teeth. We started over and took the XXXX that were put on my teeth by XXXX XXXX. I have talked to other consumers and they agreed that XXXX XXXX is running a very bad business. I did n't report this sooner due to not wanting additional stress. I want people to hear this story, because I am sure I am not the only XXXX that has experienced such poor treatment through this facility. A few years later I check my credit report and not only did they sell my account to a collection company, but they changed the date of service, so the bill would look recent. I am shocked and appalled by this entire thing. Not sure what to do or who I should contact. This has ruined my credit and affected me physically and emotionally.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OK).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/15 my bank sent an electronic mortgage payment to Greentree Servicing for {$1500.00}, ( confirmation # XXXX ) since I had forgotten that the payment had just gone up due to escrow, on XXXX/XXXX/15 I had the bank send the remainder of the payment {$23.00} ( confirmation # XXXX ). For a total of {$1500.00} which is what my payment is. ( This payment was for XX/XX/XXXX, I was a little behind ) The payment shows up on my account when I log into my account on GT 's website, but they have not yet applied it. I 've talked to XXXX different people and they 've all told me, they see the problem and will fix it. I 've also sent XXXX emails to them and all I get back is a letter saying they will look into it. Instead, on XXXX/XXXX/15 I receive a " Notice of Default '' that my XX/XX/XXXX payment is now 60 days late and I have 30 days to catch it up. I think they did this on purpose to throw my account into Default. It should not take 30 days to credit my payment, as of this date XXXX/XXXX/15 it still has not been applied. I 'm still getting rude, harrassing phone calls telling me my XX/XX/XXXX arrangements are not acceptable. They 've sent a guy to my house to collect, which I refuse to give to him, since I do n't if he 's truely from there or not. I did n't have any arrangements and the payment was made 30 days ago, just needs to be applied to the principle, interest and escrow. I do n't understand why it is taking over 30 days to apply it. I always have my bank make the payment electronically and it shows up on my account the same day I make it. One lady told me, it was n't going to the right division, which does n't make since if it shows up on my account, they are obviously recieving the payment. I want this payment applied to my XX/XX/XXXX payment like it 's supposed to be and the " notice of default '' rescinded. As I was NOT 60 days behind when the notice was sent. Yes I do owe for XX/XX/XXXX still, but that only makes me 30 days behind and they do n't send out notices unless it 's 60 days behind. However, I 'm afraid to send them anymore money until I know it 's going to be credited to my account in a timely manner. They see the payment there, why ca n't they apply it. Not to mention, they 're reporting to my credit that I 'm 60 days late, which is clearly not the case. Tired of their incompetence and harrassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-01-2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: We had water damage in XXXX of 2016 at our house. We received our check from the insurance company and then submitted all required documents and check to our Mortgage Company ( Penny Mac ) on XXXX/XXXX/2016. Even though we submitted ALL of the required documents Penny Mac would tell us that we were missing a document even though they had it. After a month of going through that they told me a check was cut on XXXX/XXXX/2016 and being overnighted. I received a Fed Ex tracking number on Tuesday XXXX/XXXX/2016 from Penny Mac that indicated my check would be delivered on XXXX/XXXX/2016 by XXXX. We did n't receive the check so on XXXX/XXXX/2016 I called Penny Mac and ask what the status was. Penny mac told me that I had a " zero balance '' and that a check for {$29000.00} was mailed through XXXX to us on XXXX/XXXX/2016. I told them we did n't receive it ... so I called XXXX ... they told me that the package ( my check ) was never called in to pick up ... so I called back Penny Mac who insisted it was picked up ... so I called XXXX back who track it back to Penny Mac and said they only created a label for it ... so I called back Penny Mac and they did admit now to not sending the check yet, but it would be sent XXXX/XXXX/2016 ay XXXX ... .so I called XXXX this morning ... .guess what? Surprise! No check was picked up. At this point, I 've made maybe a dozen calls and have done ALL I 'm suppose to do. I have significant damage to my house and just want to get back o normal. It 's been two months. Forget about the incompetence because there has definitely been a ton of that ... now Penny Mac is just flat out not telling the truth. I have done EVERYTHING I 'm suppose to do and now I 'm claiming Penny Mac is unreasonably withholding my check. I do n't know where else to go or who to turn to ... I 'm hoping you can help. I can much better explain this in person. Thanks for your help and consideration on this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (FL).
Issue: Money was not available when promised

Complaint: Reference ID : XXXX Please allow me to add a bank. I tried adding a bank and got an error message. I called paypal and they not able to add the bank for me. I have {$420.00} USD available

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I recently received a packet from XXXX XXXX XXXX XXXX. I also received a letter from XXXX XXXX XXXX recently. XXXX XXXX XXXX stated a power of attorney is being used by family members. My youngest child have a XXXX XXXX and is receiving social security XXXX as a result. His name is XXXX XXXX XXXX XXXX, he is also a XXXX XXXX. His social security number is XXXX. XXXX XXXX XXXX stated the circumstances were unique yet permission was given to family members to access my accounts. I needed this in writing and on the bank letter head. I now have evidence of these fraudulent transactions made by family members. 

I mentioned earlier that The XXXX XXXX is abusing my identity. XXXX XXXX XXXX XXXX XXXX stated that I sent a copy of my credit report. The reason I terminated Attorney XXXX XXXX is because he filed my wage earner case that was discharged in XXXX and XXXX. Those dates that was changed to XXXX is located on that credit form I sent you. 

I sent the W-2 for my former employer, because XXXX XXXX XXXX XXXX XXXX deleted themselves from my credit report. All of my history have been deleted from my history. Social Security have written a query for me showing my former employers. 
From XXXXXX/XX/XXXX. 
In XXXX XXXX XXXX XXXX shows my loan was with XXXX XXXX in Texas from XXXX. A copy of the XXXX statement was mailed to me from XXXX XXXX XXXX. The bankruptcy courts was n't notified of this transfer. It 's not on my credit report with XXXX. It is in XXXX XXXX XXXX data base. 

All of the payments made by whomever that have a business and uses checks with six digits and made wire transactions. 

Property Taxes have been paid on the property at XXXX XXXX XXXX XXXX TN XXXX. But not reported to IRS. 

I have a copy of my credit report from XXXX XXXX when I filed bankruptcy in XXXX. Payments was itemized by them. I will send you a copy if you need it for your investigation. Both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have been deleted from my credit reports as though I never purchased the property. 

Even though the law states after foreclosure it should remain on your credit report for ten years.

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 05/18/2016 about Payday loan () with Big Picture Loans, LLC (OK).
Issue: Charged fees or interest I didn't expect

Complaint: I signed up for a loan through Big Picture Loans on XX/XX/XXXX in the amount of {$800.00}. I was told and was under the impression that I would receive a one time finance charge of {$280.00} for a total repayment of {$1000.00}. I made my first payment on XX/XX/XXXX and went into my account today XX/XX/XXXX to check the remainder of the balance. The amount had n't changed so I looked into it further. I came to find out that the total finance charges are going to be over {$6000.00}! If I had known that this was going to be the case, I NEVER EVER would have agreed to the terms. The finance charges alone are more than my monthly car payment! I am a single mother of XXXX that does not make much money. There is no way this can be right! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (ID).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: When they try to collect on the loan I try to set up repayment with loan with their collection department which was XXXX XXXX in XXXX Idaho when we offered to sell them at a settlement they refuse to contact this back we had XXXX XXXX sent out several emails about the offer no confirmation I made a couple of payments to XXXX XXXX then the collection stopped but they were still applying interest I try to repay again another 2 years with another collection agency we offered to pay XXXX at this time we set up payment arrangements try to contact them to begin to make payments but they refuse to contact his back now the interest is out of control looking to collect on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: We recently received a certified letter from our mortgage holder Ocwen Loan Servicing stating that my mortgage is in default due to a missed payment. Moreover, due to this phantom missed payment, they have been charging me for the certified letters and also adding in fees marked " other '' on a monthly basis ; I do n't not have any idea why or what these fees are. I have every statement available starting from XXXX 2013 ( this is as far back as Ocwen 's payment system goes ) and have not missed one payment. In fact, I am generally a couple of weeks early with my payment and always send extra. We sent a letter with all of our statements to Ocwen stating that we have not missed a payment and to please correct their error. They continued with their stance that we are a payment behind but can not show us proof of a missed payment. I called and spoke to them over the phone to find out when exactly did I miss a payment and their response was " I do n't know, you tell me ''. Based on what I can see, somehow they made a mistake and are posting my payments that are a couple of weeks early to the previous month and saying it is a couple of weeks late. Complicating the matter is that they do not provide any statements or payment books. I 've wasted countless hours on the phone with them and they have repeatedly told me to disregard the certified letter, yet my account is being listed in default. I 've read numerous complaints online about this mortgage company and truly feel like they are trying to take advantage of me and lots of other people for that matter. It 's " XXXX vs. XXXX '' and without help, I am going to be forced to make an extra payment that does not exist because I ca n't fight a mortgage giant on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage with Bank of America. After receiving the closing statements I noticed all of the closing estimates were considerably higher. I asked that they withdraw my application. Unbeknownst to me Bank of America ordered an appraisal on the property. I learned about it when my agent called me. they still continued to say that they did not. They billed my credit card for an appraisal that was useless to me. After I complained and spoke to the vice president They still refused to give me back my money. 
XXXXXXXXXXXX XXXX phone AVP Sales operations XXXX XXXX XXXX XXXX Fl. 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 monetary relief
Consumer complaint received 01/24/2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Open letter to LoanCare CEO XXXX XXXX, Senior Vice President, Loan Administration XXXX, Executive Vice President and Chief Operating Officer XXXX, Senior Vice President, Client Relations XXXX, Senior Vice President of Loan Conversions & Escrow Department I bought a house two years ago. My loan was sold twice. The current loan servicer is LoanCare LLC. The county in which I live sent me a property tax bill in XX/XX/2016 which is normally paid by the mortgage servicer who manages the escrow account. XXXX went by without a payment by LoanCare LLC to the county for taxes. I received a follow-up letter from the county that said I ws in default and that if I did not pay immediately I would incur penalties and interest. Therefore, I immediately paid the taxes due directly to the County. The taxes are now paid in full by my own payment. Since then, LoanCare claims to have paid my taxes out of my escrow but the County Tax Administration states that they have only received one payment, and that payment was the payment I made from my checking account. I have receipt from County proving I paid these taxes and I have bank statement proving that payment came from my own personal funds from my own checking account. Yet LoanCare charged my escrow account for the taxes which they did not pay. I 've called LoanCare a dozen times. Each time I spend ten minutes navigating the automated IVR system only to be hung up on by the IVR system. I 've actually reached a human twice. The first time, the human promised to credit my escrow account for the duplicate payment. The second time the human said their systems were down and she was unable to help me. So far, no credit has been issued. I request an immediate credit to my escrow account. 

Please contact me immediately.

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 08/18/2015 about Debt collection (Credit card) with Platinum Holdings Group, LLC (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I owe a debt for a watch I bought on credit. When the company contacted me, I authorized them to speak to my wife as they kept calling me at work. Even after my wife began contacting them, they continued harassing my sister. My wife requested in writing for them to cease phone contact and to contact us via email or US mail. They have continued to ignore that request. My wife put together a proposed repayment plan, which they accepted and then attempted to verbally change via the phone by speaking over her and acting in a confusing manner, so my wife politely ended the call and contacted them via voicemail and email to again request all orrespondence be done in writing, and for them to send the agreed upon arrangement in writing so that we have a record of what we agreed to. We have not received that. Today my wife again emailed and asked for this, and reminded them to not call, and XXXX minutes later they called anyway. We have NOT received the payment agreement that they agreed to in writing at all and they continue to ignore our requests for it and continue calling and trying to bully her into giving them our bank account information over the phone. We want to pay off this debt, but I want the agreement IN WRITING so they can not come back later and say we didnt follow the agreement, and I certainly do not want my bank information given to someone who is refusing to give us the agreement in writing, I do not trust them with this information.

Company response to consumer: Closed with explanation