milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/20/2015 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Financial Freedom 'the reverse mortgage specialist ' has been giving my XXXX-year old mother the run-around for the last three months since she notified them she vacated her home with a 'no fault ' home equity conversion mortgage ( HECM ) , in trying to complete Financial Freedom 's 'streamlined ' deed in lieu of foreclosure process. My mother is on an extremely limited income and can not continue paying for this property while Financial Freedom gives her the run-around in trying to complete the process. Financial Freedom has placed a lock box on the house and told us we can not access, yet they refuse to complete the deed in lieu of foreclosure process and they refuse to tell us what the next step is to complete the process of getting this HECM reverse mortgage/home out from under my mother 's name and responsibility. SHE HAS VACATED THE HOME! As of now it 's completely stuck in Financial Freedom 's limbo and every time we call customer service and that department to speak with a manager or the specialist handling the account they say that everyone is a meeting or on break or on lunch and will return our call but a manager or supervisor NEVER calls us back. Every time we call, we get a different answer where the deed in lieu of foreclosure process is at and no one can tell us what the next step is to complete or what is needed to complete it. They are intentionally trying to delay the process and even an email from their legal office says they are purposely delaying for an unknown reason. Please help. My XXXX year old mother is losing her faculties and health is failing. This predatory and deceitful practice by Financial Freedom is taking its toll on her health and her finances. I have power of attorney for my mother and her estate and have provided that to Financial Freedom already. PLEASE HELP US.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Mortgage (Other mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a second mortgage with HSBC. I made payments of {$220.00} per month on time. I then received a check returned by them saying my account was closed. About a year later I received a collection notice from XXXX XXXX a collection service. for {$29000.00}. 
I thought I was finished paying until I received this letter. I am on social security and can not afford this, especially sice I thought this loan was finished and behind me. I seriously need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STERLING JEWELERS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a XXXX XXXX  Account. It shows on my credit report that the account is closed. My credit score dropped from around 680 to 630. It also does n't have the correct amount of money I owe from XXXX XXXX. I tried going through XXXX XXXX  but nothing came of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Make payments and the principle does n't go down.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I received a letter from XXXX XXXX XXXX XXXX XXXX alleging that I owe a debt. I do not owe any debt to XXXX XXXX XXXX XXXX XXXX XXXX, Pinnacle Credit Services , LLC, or XXXX XXXX. I had already sent Pinnacle Credit Services a cease and desist letter previously through the Consumer Financial Protection Bureau for which I have a copy in writing. Now I have been contacted by XXXX XXXX XXXX XXXX on behalf of Pinnacle Credit Services , LLC which is a flagrant violation of the Fair Debt Collections Practices Act. I do n't owe the alleged debt they are referring to, in addition the alleged debt is past the statute of limitations. I do n't want any further communication in any form by XXXX XXXX XXXX XXXX, Pinnacle Credit Services , LLC, or anyone on behalf of them. Their continuous communication after sending them a cease and desist letter is a flagrant violation of the Fair Debt Collections Practices Act, and it is causing me severe emotional distress for an alleged debt I do n't owe. Their continued communications is considered harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Finally, after multiple complaints, Resurgent Capital Services and LVNV provided proof to the CFPB that XXXX XXXX, XXXX XXXX XXXX, is reporting me for fees and interest in the amount of {$420.00} and {$9.00} in undocumented charges. XXXX XXXX XXXX and XXXX only respond to CFPB inquiries, never to my mailed direct inquires to them. Since I have not record of the {$9.00} in charges, how can I owe {$420.00}. Even if this is in accordance with some document I have no record of agreeing to, how can this be a fair credit practice?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Colony Brands, Inc. (GA).
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 initially began disputing this account with each of the credit bureaus in XX/XX/XXXX. The responses from the bureaus reflected that this account entry was verified. I sent XXXX 's a letter ( see attached ) in XX/XX/XXXX, requesting that they investigate this account. My formal request included informing them that each of the 3 bureau reflected a different charge off date. This was the first inaccuracy. Additionally, I requested that they submit a payment history of the account as well as the accounting ledger they maintained that reflects all payments made. Too, this would verify that the amount alleged as owed is indeed accurate and more importantly, it would reflect when this account was charged off as well as if XXXX 's wrote the account off as a profit and loss. 

I received documentation from XXXX 's dated XX/XX/XXXX ( see attached ) which was over a year old from when I actually submitted a dispute. How then was this company able to send me a letter dated for XX/XX/XXXX when my initial dispute to them was in XX/XX/XXXX? As reflected on the letter, XXXX XXXX ( as signed ) stated this response she provided was based on my inquiry, yet as I have mentioned, I only requested this information in XX/XX/XXXX. It appears this letter is backdated in order for them to cover up the fact that they are violating my consumer rights. Included within this letter was a check dated for XX/XX/XXXX. If this was the only payment made, then why did they not provide me a clear registry that reflects this. Also, they again did NOT honor my request to prove that the balance they are alleging I owe is accurate, timely and verifiable. 

What is the actual charge off date? Where are the summaries of payment history for this account? What does the general ledger account reflect for this account? All of this requested information should be housed with XXXX 's and provided to me upon request. It 's obvious this company can not substantiate their reporting as the FDCPA outlines as well as the FCRA ; therefore, this entry must be DELETED!

Company response to consumer: Untimely response
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To whom it may concern, On the early mid-night morning of   XXXX   a unauthorized individual type inquiry was performed on my Credit Report by " CBNA, National Credit Cards/ Airlines ''. The inquirer 's address is listed as   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , SD  XXXX , Phone :   XXXX   XXXX   XXXX   XXXX  . This unauthorized inquiry is affecting my FICO score.
When questioning the representative of the CBNA ( Citibank ) regarding this inquiry, he passed me over to the Credit Cards Dept not before verifying my Citi Credit Card number in my possession. Another rep verified my security code information and then I was placed on hold and later returned with a response that they did not know who did that inquiry. That I should contact   XXXX   and make a dispute. Furthermore, she did not have a clue who CBNA, National Credit Cards/ Airlines was to which I responded : " This is Citibank of North America . They issue cards under other names, Sears, Store Cards etc. '' I again told her that I did not applied for any kind of credit card or anything to trigger a hard-pull inquiry. That I have a 2 credit monitoring systems activated ( Creditwise and My IDcare ) and I was able to see the information of who did it with the address and phone number of the inquiry. I told the representative I was going to immediately close my existing Secured Citi- Card because of this. I 've held this card for 1yr 5 mo. with and excellent payment history.
After hanging up I proceeded to close my account by dialing the number listed on my Citi-Credit Card (   XXXX   ). The account was closed via automated voice prompts from Citi-Cards.
In view of this incident I am requesting that this unauthorized inquiry be investigated and removed form my report. I have tried in good faith to re-establish my credit after a job lost in   XXXX   XXXX   XXXX   during the recession. During that last 5 years and I have been successful in doing so and I have no intentions of smearing my efforts with incidents like these that no one wants to account for. I had a very good solid credit history and I intend to reach my FICO score goal and keep it that way.
Respecfully,  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
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was told that I may have been a victim to the Equifax attack.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (AR).
Issue: Loan servicing, payments, escrow account

Complaint: i had my mortgage refinanced with XXXX bank mortgage and they sold it to RoundPoint mortgage and they have refused to provide me with all the terms and condition of this mortgage mainly having a 15 day grace period before payment is due. i feel that they are trying to force me into auto-pay.

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 12/21/2017 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Struggling to pay mortgage

Complaint: On XXXX XXXX, XXXX I was told I that all my information was being viewed for modification and any foreclosure procedures were on hold. I had an auction date for XXXX XXXX. I received a letter on XXXX XXXX that my modification couldnt be approved because my house had a sell date with in 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was transferred from XXXX to LoanCare LLC on XX/XX/2016. XXXX auto drafted my account for the XX/XX/XXXX payment. I called LoanCare on XX/XX/2016 to make a payment. They told me to wait for the " Welcome Packet ''. A packet never arrived so I mailed a check on XX/XX/XXXX. The packet finally arrived on XX/XX/2016. I immediately set up auto draft by faxing the info they requested. The check I sent on XX/XX/2016 cleared my account on XX/XX/2016. Also on XX/XX/2016 LoanCare did a test ACH for my auto drafts. I am now receiving pre-foreclosure notices in the mail, 9 so far.

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 03/13/2017 about Debt collection (Credit card) with Commonwealth Financial Systems, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Common Wealth Financial states that I owe them {$86.00}. This was a result of identity theft. Please contact them and have this item removed from my XXXX and XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL).
Issue: Credit decision / Underwriting

Complaint: My mortgage loan was being serviced by XXXX Bank up until XXXX XXXX, when XXXX XXXX and I, XXXX XXXX, received a letter from XXXX advising that the mortgage loan was going to be serviced by Rushmore Loan Management Servicees effective XXXX XXXX. We had caught up with mortgage that was behind but we still owed late fees in the amount of {$900.00} ( which surprising enough is the same amount that we pay for our regular mortgage payments ). On or about the middle of XXXX XXXX, I called XXXX on the phone and spoke with a customer service representative regarding my interest in paying the late fees so that we can have a fresh start with Rushmore in XXXX. I specifically said to that XXXX customer service rep. that the {$900.00} that I was paying over the phone needed to be applied to late fees because the XXXX XXXX mortgage rent was already paid. Well, XXXX came and I called Rushmore and paid the XXXX rent. When I received the XXXX statement from Rushmore it said that we still owed the {$900.00} in late fees ( please keep in mind I already paid the late fees with XXXX - or so I thought ). I called XXXX back and spoke with customer service who informed me that instead of applying the monies towards late fees as I had asked, they applied it to the XXXX XXXX mortgage rent. I was furious! I had paid my mortgage twice!! I immediately contacted Rushmore and asked them to apply my XXXX overpayment towards my XXXX rent and they refused. They said that they needed a letter from XXXX indicating that they received the XXXX payment. After a couple of weeks and several visits to a XXXX branch, I was able to obtain a letter from XXXX advising that they indeed applied my XXXX payment to the XXXX rent. I faxed the letter to Rushmore on XXXX XXXX, XXXX, and as of today, my rent remains behind on month. I keep getting harassing letters from Rushmore asking for money to pay the XXXX XXXX mortgage - I have been paying the mortgage every month despite my efforts to get credited for the overpayment. I have complained to the Florida Office of XXXX XXXX XXXX XXXX XXXX and they sent a letter to them over a month ago and have still ignored the agency 's request for an explanation of why they have failed to credit my account accordingly. The letters Rushmore send to us, is very upsetting because we do not owe any mortgage rent. We have paid in time. The account is in my husband 's name but I am an authorized user on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have found 16 credit inquires that I did not authorize. I need this reported so that my credit score returns to the true 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 02/16/2017 about Bank account or service ((CD) Certificate of deposit) with DISCOVER BANK (TX).
Issue: Account opening, closing, or management

Complaint: i am trying to get my bank 'green ' in NOT getting notifications by snail mail. i want to receive notifications via email to go to my account online and logging in to get updates on when my CDs mature and when they rollover. bank states that it must be " written '' but does that necessarily mean MAILED? my bank is green in notifying me that my savings & checking statements are available, why ca n't they do the same with CDs?? why do they have to MAIL rather than have me go through my online account for the notifications?

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I was turned down by banks for car loan because of adverse information supplied by TransUnion. Per instructions from turn down banks, I wrote to TransUnion for a FREE copy of my credit score and credit report as provided by Fair Credit Reporting Act. 

They sent me a credit report with this XXXX sentence, " You did not order a TransUnion credit score. You can purchase your credit score for {$9.00} by calling XXXX. '' It irks me beyond words how these monster companies try to XXXX consumers at every twist and turn! The behavior is criminal, in my opinion!

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 02-11-2017 about Debt collection (Medical) with Yakima County Credit Service, INC (WA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I received a Garnishment letter from my HR department for a garnishment for a item that is in collections. I was not aware of this item and never received any summons or judgment in order to fix this before garnishment.

Company response to consumer: Untimely response
Consumer complaint received 11/27/2017 about Debt collection (Payday loan debt) with CURO Intermediate Holdings (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I recently learned that a fraudulent account in the amount of {$500.00} was opened in my name via Speed Cash 's online process. 

Speedy Cash seems to have no issues providing cash to a fraudulently opened accounts but when it comes to answer question posed by fraud victims they and their compliance staff can not be located or wo n't answer. 

Speedy Cash 's business model, which loosely verifies identities via its online application process is an inherent danger to the general public. Their processes puts the onus on the fraud victim to show that the account opened was not theirs. Why should the general public have to spend their time getting police reports to satisfy the fact that the company has inappropriate policies and procedures to protect the public from fraudulent accounts? 

I have tried to contact the Firm 's compliance officer, chief compliance officer and public relations officer and apparently they are not willing to discuss their process with consumers and have failed to return my email. Further, I have requested to speak directly with their compliance officer but was told by customer service that their compliance officer does n't speak to consumers. As a compliance officer myself, in a different industry, I never hesitate to pick up the phone and explain policies and procedures and in general educate consumers whenever possible. Clearly their Firm 's view on compliance is narrow and in effective. 

Please take a look at this firm and ensure their policies and procedures develop significant safeguard to protect the general public from accounts fraudulently created in their name.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Student loan (Private student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: When I ( and my Mother, cosigner ) applied and received a NJCLASS loan in XX/XX/XXXX-XX/XX/XXXX, HESAA 's  website advertised " flexible repayment options. '' That led us to believe that NJCLASS was similar to federal loans that offered flexible repayment options. However, it was n't until the loans went into repayment in XX/XX/XXXX that we learned HESAA 's advertised " flexible repayment options '' referred only to the 3 repayment options HESAA offered when you first took out your loan -- Option 1, Option 2 or Option 3. I am drowning because they are terrible at customer service, availability of customer service ( the website is archaic and NOT helpful for submitting forms etc. ) Most of the time, sensitive information is having to be communicated via email " gmail ''!!! 

When I first applied to NJCLASS, I was denied and was advised I needed a cosigner. We called HESAA to advise we had no one willing to obligate themselves to this debt. The agent stated over the phone that if we chose Option 3 ( deferred principal and interest until graduation ) -the cosigner would not be liable for any payments because no payments would be due until my I graduated. And, when I graduated, HESAA would consolidate all of my NJCLASS in my name only, and the cosigner would be removed. We operated in that manner and when it came time to consolidate, HESAA denied my consolidation loan and advised he needed a cosigner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (WA).
Issue: Fraud or scam

Complaint: I recieve a call about getting Grant money to my account, they ask for a fee to do transfer, I sent them {$220.00} from with Western Union track # XXXX, after I sent them the money they did not transfer and ask for more. They have me call this number XXXX and the reciever is XXXX XXXX in XXXX.

Company response to consumer: Closed with explanation