milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/22/2015 about Consumer Loan (Vehicle loan) with TCF NATIONAL BANK (WA).
Issue: Managing the loan or lease

Complaint: Had a privacy issue when applying for a vehicle loan through XXXX ( TCF Bank ). I got a call from the funding specialist because apparently they did not get all of the necessary information from the vehicle dealership. I was asked many questions over the phone, many of which were on other parts of the application. I was okay with this. However, there was a document missing that required my signature and my driver 's license was too dark so they needed another copy. I was emailed the document that needed to be filled out and signed. All good so far. Now comes the issue. They do not use secure email and for convenience sake, they allow a text to their manager to send the documents in. I was n't happy with either choice, so I sent it in by text because I did not have scan capability readily available. I sent a picture of the completed documents to the finance institution along with a copy of my driver 's license. Got a text back minutes later saying, wrong number. This upset me. 

I called the finance specialist back, and after a little research, he figured out he gave me the wrong number. I just sent a credit application with my SSN, DOB, employer, income, a copy of my driver 's license, and all the information needed for credit fraud. A finance institution did this to me. This upsets me greatly and according to the finance institution, there is nothing they can do but call the individual back that I sent my information to and ask him to delete it. This makes me feel so much more safe. I just put my information out to be used or sold to a complete stranger.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I learned that I am a victim of identity theft. My drivers license have been stolen. See attachment for my drivers license information. The last car I had was a XXXX XXXX. XXXX, the vin number was XXXX. The plate number was XXXX. The title number was XXXX. My social security card was stolen with the names XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. My former employers have been changed with all three credit agencies. Property have been purchased with my personal information. Through the wage earner courts, my rights under the bankruptcy have been violated. Purchases have been allowed to be made while I was under wage earner without my knowledge /permission.

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 06-07-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Struggling to pay mortgage

Complaint: Two years ago i became unemployed. OCWEN told me to file an application for mortgsge assistance. With much delay with back and forth snd missing documents, they denied my appkication because they processed it as a modification. I filec again. It was the same stalling process which then i was told application expired and to start again. I resubmitted the application again which as per Ocwen, has been lost. I was denied mortgage assistance and foreclosure protection while unemployed. When i was paying my mortgage they had me over paying in escrow and they were not paying my taxes or insurance on time.
I have been working for six months. Ocwen will not allow me to make monthly payments until i pay {$45000.00} in missed payment which does not include interest and fees. In   XXXX   XXXX  , I wrote a complaint to their research department. I received a letter with a reference number and an assigned agent. The letter says i should have a response in 10 days. No response as of today. When i call and ask to speak with the agent i am told that person doesnt work there. Ocwen has caused me a great deal of stress and frustration. I fear becoming homeless everyday. They refuse to workout a payment plan or any agreement to resolve this situation. They advertise " we are here to help '' but they have failed to deliver required foreclosure protection to me. They have denied me assistance to avoid foreclosure. They have added to my already everyday struggle and have caused me more loss. They have failed to adequately investigate and respond to my concerns and complaints. They have initiated foreclosure before completing a review of my loss mitigation. I feel they have wrongfully initiated foreclosure proceedings. Should i hire a lawyer at this point? Is there anything you can help me with?
I would be grateful for your response.
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I mailed a payment to Citi on XX/XX/XXXX for {$10000.00}. 

I have had 4 separate calls with Citi since they received my payment and cashed the check on XX/XX/XXXX, but the payment still hasn't applied to my account. 

It has been over 30 days since they received this payment. Every time I call I get the same answer, which is that the payment will post in a few business days.

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (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, I recently received a copy of my credit report. The credit report showed a credit inquiry by : 1.   XXXX   XXXX   XXXX   -- Unauthorized Credit Inquiry ON DATE :  XX/XX/XXXX  2 .  XXXX   XXXX  -- Unauthorized Credit Inquiry ON DATE :   XX/XX/XXXX ,  XX/XX/XXXX  3.  XX/XX/XXXX -- Unauthorized Credit Inquiry ON Date   XX/XX/XXXX   4.  XXXX  -- Unauthorized Credit Inquiry ON Date XX/XX/XXXX   5 .  XXXX   XXXX  -- Unauthorized Credit Inquiry ON Date   XX/XX/XXXX  6.  TOTAL MERCHANT SERVICE -- Unauthorized Credit Inquiry ON Date XX/XX/XXXX  I DID NOT AUTHORIZE THESE inquiries from these company, that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit.  <P/> I have sent this letter certified mail to all credit bureaus and also have sent them to the reporting company and they refuse to remove these unauthorized inquiries. I need your prompt response to this issue. Please be so kind as to forward me all documentation that youve had the unauthorized inquiry removed.  <P/> If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.  <P/> Thank you,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I tried to log onto HSBC internet banking. I logged in and a message said that I needed to contact them because there is a block on my account and I cant see my info. So I called and an hour later I still hadnt gotten anywhere. They just give me the runaround. Now, Ive currently got an open dispute that Im waiting to be resolved. I couldnt see my information to see if its been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Credit decision / Underwriting

Complaint: ***This is not a duplicate***This case is pertaining the harm NationStar has caused by not securing my account as requested, Yet the lack of support to clear the harm that they allowed by a lack of security on my account. 

I have provided evidence ( which were provided to me by NationStar ) that there were fraud activities caused on this account, yet NationStar response with a generic response that they performed an " investigation '' and that the fraud activities on this account did not accord. They provided the evidence on the XXXX documents that they provided. There are also other evidence, but NationStar refuses to provide those documents to me. Yet, NationStar refuses to clear the harm by removing the negative delinquents remarks on my credit file caused out of fraud activities. It is repetitive their routine of doing an investigation and providing the same responses without looking into their investigation. Yet the damages are still not cleared. 

This has caused harm to me. 

Attached are : -A forfeit letter written by my tenant XXXX XXXX XXXX The number on this letter is XXXX XXXX 's cell phone number and it was faxed from her job. This letter was not written by me nor did I grant authorization to my account to no one. Someone pretending to be me, writing a letter as if she was me is Identity Theft and considered as Fraud. This document was given to me by NationStar and it 's on their archives. 
- A loan modification. This was done by XXXX XXXX as well by contacting the " Making Home Affordable '' department at NationStar. This was done with NationStar lack of security which allowed someone other than me to make a modification to my loan. If you reference page XXXX, This was fax by XXXX XXXX from her place of work. Again, forfeiting my signature and pretending to be me is Fraud. This document was also given to me by NationStar and it 's on their archives. 
-Federal Trade Commission Identity Theft-XXXX County Police Department reportDue to a lack of security, NationStar allowed someone to gain authorization and compromise my account and cause harm to me and my credit. She was able to change my contact information to her contact information and then go delinquent on the account. 

This was done without my awareness or consent, and it 's now causing harm to me and my credit. Fraud Activities were caused on my account and I need the harm caused removed from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (Payday loan) with Recovery Solutions Group, LLC (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They claim that I owe over XXXX $ to them for a debt through XXXX XXXX XX/XX/XXXX. XXXX XXXX told me that it was paid by me XX/XX/XXXX. Recovery solutions said they are processing my account for court.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (CA).
Issue: Managing the loan or lease

Complaint: I sold my vehicle and was due a refund from Chase. They hold the refund for 2 weeks prior to sending it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (I do not know) with Fairway Capital Recovery, LLC (OH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Fairway Capitol Recovery XXXX calls my work number repeatedly for my wife. This is not ever her phone number. This is my work phone number used for business only and this interferes with my work. It 's an automated call and says it 's a call for ___ ( wife 's name ) and that if this is not ___ ( wife 's name ) then to hang up. I do n't even know what the debt is that they are trying to collect. It may be legitimate. But they need to stop calling me at work. I have repeatedly hung up the phone but they still continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I started my loan modification with Rushmore Loan Management Services in XX/XX/XXXX, We had come to an agreement just before the sale date of the house. The only problem was that I had never consulted with a Attorney, and I was afraid to sign any paper. I went and saw a Attorney and they suggested bankruptcy to stop the sale. Now Rushmmore will not agree to the original terms in XX/XX/XXXX, which was {$7500.00} and {$1500.00} per month for 3 month at that time a final modification if I was current. One week ago I gave them {$20.00} down and they raised my monthy payment {$2500.00} per month, setting me up for failure again. This is the payment I had before and was not able to keep up with it. I do n't understand this is no modification. My father use to help with the mortgage payment, since XX/XX/XXXX he XXXX at the age of XXXX, now he is XXXXyears old and all his social security goes to XXXX expenses..

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I received collection calls from Nationstar Mortgage on XXXX XXXX, 2016 at XXXX and XXXX and again on XXXX XXXX, 2016 at XXXX. The first two calls I did not answer because I thought it was a telemarketer. The final call I answered and was advised that my mortgage was 3 months delinquent. My mortgage is current, and has remained current for the entire duration of its term. After checking their records, they said the calls to me were in error and the account is current. They claim the calls were initiated in error due to my recent recast request. The Nationstar website ( screenshot attached ) also shows a delinquency. The rep I spoke with claims my payments were placed in some sort of " holding account '' due to my recast request. I requested the recast because of {$10000.00} in HAMP funds which have been paid towards my principle in the past 5 years. According to HAMP guidelines, I may be eligible for recast to reduce the payments due to these principle payments.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (PA).
Issue: Other

Complaint: USAA Credit card services has caused great concern to me, which is the reason for my choice to close a credit card account with them. USAA called my home 3 to 4 times a day starting on XXXX XXXX 2015 In a robot form because my payment was past due the first time it has since the account was created 2 years ago. efforts to resolve this matter with the XXXX to get my name put on a do not call list was n't successful. I called back XXXX XXXX from USAA after he left a message to talk to me about the complaint to the XXXX and he has refused to this point to call me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Name of Creditor : CREDIT COLLECTION SERVIC Address : XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, MA XXXX Re : Progressive Insurance Company Amount : {$390.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Ocwen. I have made my payments consistently on time. On XX/XX/XXXX I made a payment to Ocwen in the amount of {$2500.00} for the month of XX/XX/XXXX. The XXXX, Ocwen reported me to credit bureaus for being 30 days late for XXXX, even though they received {$2500.00} on the XXXX. Rather than applying my payment to my principle and interest, they HELD the funds and did not apply the funds because escrow amount was increased and I was short a few dollars. So they HELD {$2500.00} of my funds and reported me as 30 days late in making my payment when in fact that was False. I have a healthy balance in escrow and I was not short there either. My credit rating has sunk because of their practice to hold my funds and not apply them to my mortgage. They have been unwilling to help me clearing up my credit report because of them HOLDING my funds, even though I have been and remain current in my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Billing statement

Complaint: I have a credit card from Band of America and I set up the automatic payment to pay my balance fully every month. But when I checked my statement, I found that from XX/XX/2015, every month there would be multiple payments to my credit card. One is called PAYMENT DIRECT DEBIT - THANK YOU, the other is BA ELECTRONIC PAYMENT. and in most of months, the combination of these payments would exceed my balance, which led to a credit balance in my account. I just called BOA and the customer service said one of these XXXX payments was not recognized. But I only set up the automatic payment on BoA website. I did n't set up other automatic payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My home has reached loan to value 2 years ago, so PMI, MIP should n't apply to me. Wells Fargo says the insurer says I owe PMI for the entirety of the loan. I have an FHA 30 year fixed with 17 years left on the loan. I think they are lying and want me to keep paying the XXXX bucks a month. loan originated in 2002 so the new PMI law does n't apply. What recourse do I have? Regards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX I reported invalid credit inquiries to XXXX and Equifax. There are numerous inquiries on both accounts from XXXX XXXX that need to be removed, as they are not valid. I was told they would be removed within 21 days and I have yet to see any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was unable to pay my loans secondary to financial hardship. So every time I would call navient the first thing they told me was to forebear my loans. I was never informed that interest unpaid would be capitalized. I have been paying on my loans for 3 years now and yet my balance is higher then what it was when i graduated college. It is very misleading information when talking to representatives. They always tell you, if you cant make a payment to just file a forebearance and make the payments in a couple months when you have the money. What they dont tell you is that the interest you dont pay capitalizes and you end up paying 10x more the money in the long term. Navient has never offered me any other option into repaying my student loans. The least they could of told me was that i should still make some type of payment contributed to my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other fee

Complaint: I have a reoccurring interest charge on a purchase from 2014

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 04/15/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payments on the dates below : 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Dispute for PMI for loan number XXXX Hello, My name is XXXX XXXX. My wife and I closed loan with XXXX XXXX XXXX on XXXX XXXX, 2016. Now that loan is sold to and served by Wells Fargo Bank. 

I tried to call at Customer Service Dept of Wells Fargo ( XXXX XXXX XXXX ) for exact amount I need to pay for removing PMI. As per guideline with XXXX % LTV of my loan value, PMI should be removed. To my shock, I was told that there are instructions in your system on file that PMI can only be removed only if LTV is XXXX % or less. I have MI certificate from XXXX for refrence. My current LTV is XXXX % ( as per CSR XXXX who told me during my call with her ) and I am ready to pay difference to remove PMI. I need to know how much amount do I need to pay with XXXX % LTV. I was never told that XXXX % is minimum LTV I need to have to get rid of PMI. 
Wells fargo is saying that my PMI can only be removed once LTV is less than XXXX %. 
Thanks

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 09-02-2015 about Debt collection (Medical) with Concentric Receivables Management, Ltd. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Paid Late by Insurance Company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation