milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2015 about Mortgage (FHA mortgage) with UNITED SECURITY FINANCIAL (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I write this formal complaint against a loan lender company named, XXXX XXXX Mortgage, XXXX. I believe it is subsidiary of United Security Financial Corporation, XXXX XXXX, IL. This is regard to a dispute that has since occurred from XXXX of this year, 2015. They are the company that finances our 30 years fixed rate FHA Loan. Prior to this company, we had XXXX., located in XXXX XXXX, IL. XXXX sold our loan to XXXX XXXX at the beginning of XXXX of 2015. Prior to becoming a part of XXXX XXXX, we never missed our monthly payments. Attached, you will see payments ' history with XXXX while servicing our loan. There has been no deficiencies from the date they took over our loan. 
Since the loan was transferred to XXXX XXXX in XXXX, we began making payments as required. However, it came to our attention that our XXXX payment was not received, when in fact there 's a bank withdrawal statement which showed that the amount in question was paid. From the onset, XXXX XXXX stated the payment was rejected by our banking institution, XXXX XXXX due to insufficient fund, which was untrue. A copy of the bank statement indicating the amount being withdrawn is attached. After several calls and denials that the XXXX payment was not paid to them, we have to request printouts of payments made. As a matter of fact, we requested printouts of checks leading up till XXXX from the same bank. XXXX of the bank representatives was on the phone with a customer service Rep from XXXX XXXX, XXXX XXXX XXXX, and it was confirmed that there were sufficient funds in the account to ascertain that the XXXX payment was cleared. 
In recent time, the newer claim from XXXX XXXX has been, that XXXX stated that our XXXX payment was rejected. See also the attached document as well as a print out history from XXXX. 
Below is a communication dated XXXX XXXX, 2015 from the XXXX XXXX Rep previously mentioned : Hello, Please see attached letter written to us from XXXX. They are stating that the pmt you made on XXXX/XXXX/2015 was returned by your bank on XXXX/XXXX/2015. Please refer to your bank statements for those dates to see if that information matches with your statements. I have also attached the statement from XXXX verifying pmt was returned. 
XXXX XXXX, Customer Service Representative | XXXX XXXX , XXXX. 
Your partner in the mortgage industryPhone : XXXX : XXXXXXXXXXXX | XXXXIn light of the above, I write to request your intervention in order to resolve this matter so that I will not have to bother with a barrage of phone calls, mostly at night and constant harassment from these folk.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: The bank agreed to a shortsale. The value they want is not realistic and is not giving me a fair chance a short selling my home. The bank keeps delaying the process and the values in the area have gone down since the appraisal. The foreclosure sale scheduled for XXXX XXXX was cancelled but the Judge would only reset the same to XXXX XXXX, XXXX reasoning that it was plenty of time to close and Plaintiff 's counsel ( although there was a short sale approval ) still objected to the sale being extended any longer. They wanted it sooner, even though the short sale department has agreed to stop the foreclosure. They are purposely delaying the short sale so they can take back the house. I 've been fighting with them for a modification since XXXX and we all finally agreed to the short sale. It is obvious that this wo n't close by XXXX XXXX as the prospective buyer is involved in a value dispute with the bank.

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 04/20/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (SC).
Issue: Loan modification,collection,foreclosure

Complaint: Citifinancial fa iled to participate in the  XXXX  Help mortgage relief program and not only me, but to others as well. I was unable to receive help from the mortgage relief program in  XXXX  which caused me difficulties, because you would not participate.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I was erroneous offered a HAMP Modification. The lender accepted my payments and then contacted me and advised me of their error. They told me XXXX other loans were also given these modifications in error and they were working to resolve the error and find alternative modifications. They then sent me another trial modification which I completed XX/XX/2015. At that time they contacted me and let me know there was a problem with my title that was preventing the final permanent modification. They then let me know that was resolved and I would be receiving final documents any day. They kept requesting additional payments, which I always sent. My final communication with the lender was on XXXX/XXXX/15 in which they told me permanent documents would be arriving by the end of the month. I received a letter dated XXXX/XXXX/15 which informed me that they were transferring my loan effective XXXX/XXXX/15. They have taken at least 6 payments from me promising that each payment was leading to a permanent modification which appears to be a lie. They should not be allowed to transfer my loan prior to correcting their many errors and providing my permanent modification as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Voluntary surrernder of a manufactured home in XX/XX/XXXX as part of the agreement between my wife, myself and the seller XXXX XXXX XXXX. There was a balance due and paid for the amount of {$1000.00} around XX/XX/XXXX or XX/XX/XXXX. This account was disputed with all three credit reporting agencies and resovled because it was keeping me from the purchase of my new home. Now it is showing again on my Equifax credit profile as a debt of {$1000.00}. This account should n't show on my credit profile at all and if show it should read current and the account should be noted as a voluntary surrender.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which puts me at risk of identity theft. This is unacceptable since I never in the first place had the chance to deny Equifax to even have my information.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Bank account or service (Checking account) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NH).
Issue: Deposits and withdrawals

Complaint: I have had multiple incidents with this bank in the past couple of weeks. On XXXX XXXX, 2016 my account went negative XXXX. On XXXX XXXX, I was charged an overdraft fee of {$37.00}. In charging that overdraft fee, they made my account negative {$18.00}. So in turn they received an additional overdraft fee of {$37.00} on XXXX XXXX, 2016. 
Now on XXXX XXXX, 2016 I was charged XXXX unavailable funds fees for funds that I transferred from another account at the same bank. So they did not make the funds available in my account right away even though it should have been because a transfer from the same bank should be treated like cash. They are crediting a transfer that I did on XXXX XXXX on XXXX XXXX. Then charged me XXXX unavailable funds fees on top of it of for {$37.00} each. Never once does the customer facing site show unavailable funds. He had to do research on the back end to figure out what the issue was. My account was not negative. They are charging me unavailable funds fees when cash should be available right away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Louisiana Bureau of Credit Control Inc. (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This debt is in reference to a portion of rent that a former landlord says I owe when I provided the correct move-out notice and the landlord also breached my contract by entering apartment without notification ( expressly forbidden by the lease agreement ) on multiple occasions, thereby violating my privacy. 

I am contesting the actions of the collection agency, Louisiana Bureau of Credit Control located at XXXX XXXX XXXX, XXXX LA XXXX lbccinc.com XXXXThe collection company informed the XXXX credit agencies - XXXX, XXXX, & XXXX - on XXXX XXXX of a delinquent debt. However, I was not sent a letter until XXXX XXXX. On XXXX XXXX, 2015 I sent a certified letter ( USPS XXXX XXXX XXXX XXXX XXXX ) disputing the debt. 

The collection agency is required by law to notify the XXXX credit bureaus of this dispute. They did not. I visited their office on XX/XX/XXXX and was informed by the manager that they passed the dispute on the credit agencies. On XX/XX/2015 I called all XXXX credit bureaus and none of them have any data indicating that Louisiana Bureau of Credit Collections ever notified them of my dispute. 

This violates the Fair Credit Reporting Act on the grounds that 1 ) they did not validate the debt and filed it with the XXXX credit agencies XXXX months before sending me a collections letter, and 2 ) they did not forward my dispute on the credit agencies as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XX/XX/XXXX, I applied for financing through XXXX XXXX XXXX XXXX XXXX, a used car dealership, online. I got a phone call from a XXXX 's employee asking to send XXXX XXXX XXXX an email with my written consent to run my credit score to determine eligibility. I specified that I only authorized XXXX XXXX XXXX to run my credit. My credit score was run, and I was approved for financing, although for a different car than the one I applied for. I received a notification on my cell phone via the XXXX app stating that my credit score had dropped. After checking my report, there were XXXX other hard inquiries on my credit report from various banks/financing offices that I did not authorize to run my credit score. These reports were all run on the same day, XX/XX/XXXX. My credit score dropped about 100 points because of these hard inquiries. XXXX XXXX XXXX, in XXXX, Indiana was another car dealership that I authorized to run my credit, whom I previously applied for financing with last year and nothing like this happened. I have contacted XXXX XXXX XXXX two times with no reply.

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 09/21/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Problems when you are unable to pay

Complaint: Purchased a car XX/XX/XXXX from XXXX in XXXX that was financed through santander consumer usa. i lost my job XX/XX/XXXX and fell behind my payments XX/XX/XXXX. Santander repossessed the vehicle without prior notice on XX/XX/XXXX and sent me a certified letter dated XX/XX/XXXX which i received a several days later. I called them at XXXX that morning and the rep i spoke to had no record of the car being repossessed and told me to call back. i called back at XX/XX/XXXX and was told they have the car and i had 10 days to pay XXXX to bring the loan current and keep making my payments or the car would be auctioned off. I made the payment on XX/XX/XXXX and they at that point informed me that the car was already at the auction site which is over XXXX miles away. Instead of bringing the loan current as earlier discussed they went ahead and charged off the loan and added collection fees.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Settlement process and costs

Complaint: I was scheduled to close on a house on XXXX/XXXX/16. I signed all the closing documents and paid my closing cost with a cashier 's check ( I have copies of all my signed closing documents already ). As the title company tried to fund the closing they discovered they could n't because JP Morgan Chase did not send the CD to complete closing despite the countless calls and emails from both attorneys. Now I 'm out of my closing cost with no house, I 'm staying in hotels which is costing me more money, taking days off work for nothing at all and all Chase is doing is coming up with false excuses as to why this happened and has still not sent the CD which all parties are frantically awaiting. PLEASE, PLEASE, PLEASE, if you can help get this resolved so this close can happen very very soon, I, the seller, the attorney 's, WE ALL would be so very greatful.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Trouble during payment process

Complaint: Refer to my previous complaint # XXXX about BANK OF AMERICA for this same loan about a different issue. 

This equity account was opened XX/XX/XXXX at the rate of 4.5 % for 15 years with a credit limit of {$29000.00}. 
From that time the loan was kept at that rate until XX/XX/XXXX when they raised the rate to 4.75 % and I questioned this raise without receiving any valid or satisfactory response. They instead have continued to raise the rate again in XX/XX/XXXX to 5 % and then again 3 months later in XX/XX/XXXX to 5.25 % and then again 5.5 % in XX/XX/XXXX. Again for no reason equity rates are down all over the U.S. 
I have all statements since XX/XX/XXXX to prove my point which shows all amounts applied to principal and finance charges for the interest. The interest just keeps going up as I make the payments each month and less and less is being applied to the principal as it gets closer to the draw date of XX/XX/XXXX and the repayment period which according to their accounts is going to be another 10 years ( refer to document attached ). 
With equity rates down not up and they recently offered to customers with new equity loans a rate of 2.99 % how does that justify continually raising my rate ( the last being a matter of two months ) when I have auto pay, have not been late, and have made in the past some extra payments to the principal including one most recently which they did not credit me for. See document of XX/XX/XXXX. Additionally as they continue to raise my rate less is going to the principal and more to interest. 
Raising rates 3 times in less than 6 months while adding more interest on their end for no justifiable reason, and then sending out notices for XXXX XXXX ( attached document ) to request help is proof of the misleading and deceptive practices of Bank of America. Their game is stacked against the consumer to continue keeping the customer in debt and not to be helpful.

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 12/17/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have a student loan with Navient ( Formally XXXX XXXX ) and I forgot to make two payments and I started to receive phone calls on Friday. I received one on Friday, one on Saturday, one Sunday, one on Monday, 7 on Tuesday ( 3 of which occurred after I scheduled an online payment to make account current ) and then one more on Wednesday after the payment cleared the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: In XXXX, I disputed an entry on my Experian credit report for a previous mortgage I had with XXXX XXXX XXXX. The entry reports a 30 day late for XXXX & XXXX which are incorrect. The mortgage was paid off XXXX when the home was sold. Supporting documentation was sent certified mail to Experian on XXXX separate occasions ( again in XXXX ) proving the loan was paid off and the entries were invalid. Both times Experian returned the results as being confirmed by XXXX XXXX XXXX. I contacted XXXX XXXX XXXX about the issue who advised they only reported the loan being paid in full for XXXX and there was no payment status reported for XXXX or XXXX. XXXX XXXX XXXX agreed to send a letter advising the there were no late payments for those XXXX months. Due to the errors in my credit report I am unable to close on a new home until the report is corrected. Both XXXX and XXXX report the trade line correctly, but Experian refuses to correct the entries even with supporting documentation and a letter from XXXX XXXX XXXX confirming the entry is invalid. I would just like my credit report corrected to reflect the correct information so I can close on my new home. Any assistance you can provide with this matter would be greatly appreciated

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 reporting, credit repair services, or other personal consumer reports (Credit reporting) with MRS BPO, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My account with  XXXX   XXXX  was closed after I voluntaried surrendered my vehicle to them. For years it reported as closed & now it 's being reported as open with  XXXX  of the credit bureaus & I would like the information on my credit report to be reported accurately.

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 explanation
Consumer complaint received 03/16/2017 about Debt collection (Medical) with BYL Collection Services (DE).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: BYL Collection services did not provide adequate verification for debt question. No documents were provided showing a contract or signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I recently purchased a new car. My financing is through GM Financial, XXXX XXXX XXXX, XXXX, TX XXXX. My payment due date is the XXXX of every month. I received my first statement on XXXX XXXX. I thought this might be an aberration on account of this being a new loan. However, as of Tuesday, XXXX XXXX, I have not received my XXXX statement. I called customer service and spoke to 'XXXX XXXX ' He said my statement was mailed on XXXX XXXX. However, I should have received my statement on XXXX XXXX, not have it mailed on that day. I asked him about tracking my statement by using the intelligent mail barcode on the envelope. He said they could not do it. He is wrong. This is XXXX reason why the XXXX Postal Service developed the intelligent mail barcode as per this article : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed 3 times XXXX claim of XXXX in the amount of XXXX. It comes back VERIFIED, NO CHANGE. Yet i have talked to this Collection Agency several times as I have never belonged to a gym in my life. After finally talking to XXXX XXXX from the collection agency, he informed me he has my name and date of birth, however this Gym has been out of business several years. I responded that this was not my debt, and asked if he had a signed contract. I would imagine you would sign something if you are in a contract for owing money as they claim. He said, No they are no longer in business. However i was free to do what i needed to do as far as reporting them for false debt. I have went through great lengths and Transunion has not verified any debt, but yet reports it as such. This is by my knowledge not legal and is dragging my credit down causing great stress and denial of credit, even though my family has a lot of great active revolving credit lines including installment car loans on my record. Someone needs to be held accountable, and this false debt should have been removed 90 days ago. Obviously XXXX XXXX does not feel someone could possibly use another name and date of birth to obtain something, because they sure do n't have my signature or a contract agreeing to any sort of membership.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit card () with BARCLAYS BANK DELAWARE (MI).
Issue: Credit line increase/decrease

Complaint: I have been a cardholder of the Barclaycard for about two or three years I believe. I never missed a single payment with this card, and I never missed a payment with any of my credit cards since 2008. The bank abruptly and capriciously cut my credit limit, which changed my utilization ratio. There was no conversation, no alert, no details -- they just cut the limit. I tried to deal with the bank, expressing my extreme dissatisfaction. However, all I got were excuses and stories in my opinion. Eventually I did reach someone who was able to " appeal '' the downgrade. After extensively explaining my financial details they put me on hold and returned like a minute later to say they wo n't do anything. I also tried the " Office of the President, '' but that seemed to be a total waste of time also. I had a great experience with the Barclaycard and never missed a payment, I often made considerable payments on the card and would consider myself a great customer. The fact that the bank abruptly changed my credit limit is very concerning, and a law should be considered to keep them from acting this way because it can damage the credit score of a cardholder through no fault of their own. I would appreciate any assistance that the Bureau of Consumer Financial Protection can offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation