milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PHH Mortgage Services Corporation (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a written request to have PMI removed from my account because the LTV was at XXXX % and would drop below XXXX % with the next scheduled payment. I received a letter and form from the bank with instructions on how to remove the PMI. One of the options was to pay the remaining principal balance of .1 % along with a Certificate of Value fee. I completed the form, selected the option to pay the principal down to XXXX % and the COV fee, and mailed it along with a check for {$480.00} for " XXXX XX/XX/XXXX, the check was cashed by the bank. On XX/XX/XXXX, the bank charged a payment that included PMI. I contacted the bank on XX/XX/XXXX and XX/XX/XXXX to find out the status of the request. The phone representative stated that the PMI request was denied, but could not provide any additional information regarding why the check was cashed, why the request was denied, or why I was not notified. Additionally, the bank could not confirm if the funds from the check have been applied to account, or simply taken by the bank despite the rejection. 

I am filing this complaint because PHH refuses to remove PMI from my home mortgage despite the fact that I meet the requirements of the Homeownership Protection Act of XX/XX/XXXX. I have paid down my mortgage to XXXX % of the loan, have a good record of payment and compliance with the terms of the mortgage, made a written request, and paid for the COV to show that the value of the property has n't gone down. The property is not encumbered with liens ( such as a XXXX mortgage ). Since I meet all these conditions, PHH must grant the request to cancel the PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Mortgage (Other mortgage) with Seterus, Inc. (CA).
Issue: Settlement process and costs

Complaint: Dear Consumer Financial Protection Bureau, This is in regards to Seterus not following through with providing me a copy of the Deed of Reconveyance and the correction of my credit file with the XXXX credit bureaus in a timely manner. I have been calling and have sent letters to Seterus since XXXX XXXX letting them know that the loan was paid in full before the loan was transferred to them. In addition, Seterus as sent letters to me in response to my letter and complaints XXXX XXXX regarding that they are aware of the situation and will process my request accordingly. It has been over 8 months since they said they would process the Deed of XXXX and correct my credit file with XXXX. Furthermore, as a result of this, I ca n't sell or refinance my home and my credit has suffered tremendously. Finally, I would like Seturs to send proper documentation, which is a Deed of Reconveyance to XXXX XXXX of XXXX that the loan was paid in full and to correct the negative reporting on my credit reports from year XXXX to XXXX as soon as possible and so that I do n't lose on any gains. Thank you in advance for your assistance. Should you have any questions, please contact XXXX XXXX at XXXX XXXX XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: Since XXXX, XXXX I have been disputing information reported by XXXX XXXX/XXXX to XXXX, Experian, and XXXX for which they claim My account was charged off {$970.00} on XXXX XXXX. Repeatedly, XXXX XXXX have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX claims this account was sold to XXXX XXXX XXXX and refused to provide me any viable evidence that the account is being reported accurately. They are being willfully non-compliant in my request for verification of debt. They just told me to contact XXXX XXXX XXXX. Recently, XXXX deleted this account associated with XXXX XXXX/XXXX because I filed a small claims lawsuit against them for Defamation, Violations of the Fair Credit Reporting Act, and Violations of the Fair Debt Collection Practices Act. I am again formally requesting a copy of any documents, bearing my signature, showing that this account is being reported accurately. The listed item by XXXX  XXXX/XXXX is inaccurate and incomplete, and represents a very serious error in your reporting.

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 02-08-2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This collection action apparently occurred because of overlooking changes to a computer program. I had a long standing account for auto insurance with XXXX, but decided to cancel it last XXXX. I negotiated with another company for a lower rate. However, because the notification to XXXX was not made until a few days before the policy was due, I had to sign several papers - which were duly transacted upon - including an order to cancel the upcoming payment. Somehow, these transactions probably were never entered into the XXXX computers. As a result, it automatically sent the account to a debt collection company called XXXX. My complaint is with them, because the problem with the XXXX situation has been resolved.=. I am incensed because the first that I knew that the XXXX situation had even occurred was a telephone call from someone at XXXX who called me on XX/XX/XXXX at XXXX. The woman asked for XXXX XXXX ; although that Is my husband 's name, I have never used it. I use the name XXXX XXXX. I have absolutely no accounts in the name of XXXX XXXX. My account at XXXX was under the name of XXXX XXXX. Using the name XXXX XXXX was an immediate red alert for me and I refused to " confirm '' who I was - or give these my people my address. I have since received a debt collection letter and 4 other telephone calls. I maintain that this company probably went on a fishing expedition to try to somehow guarantee to themselves that they had a lock on the account. I consider this a fraud on their part and have told them that. The fact that even the written document uses the name XXXX XXXX suggests that this company is using the most underhanded techniques - as well as abusive tactics with phone calls - and needs strong oversight from consumer protection laws. Incidentally, the amount supposedly due was XXXX..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (PA).
Issue: Problems caused by my funds being low

Complaint: I received my Direct Deposit on XX/XX/2016 the amount deposited was over XXXX dollars. When I checked my balance TD Bank had over drawn my account XXXX or more. When I called in to speak to the customer service representatives they were helpful and one rep replaced only XXXX dollars. I called back and spoke to a supervisor who only replaced XXXX dollars. for a grand total of XXXX dollars of my monies returned. 

Not to mention none of the items that they returned was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (MS).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am trying to refinance my mortgage through  XXXX   XXXX . My current mortgage is serviced by Seterus.   On  XXXX   XXXX ,  2017 I contacted Seterus  to request a payoff qoute. I was told that it could take up to 7 days.   I called seterus to follow up with the status of the payoff on  XXXX   XXXX ,  2017  And was told that the request had been cancelled. They stated that my account was in a review process and they would not send the quote until the review was complete, up to 160 days. Also they will Not give me access to MY mortgage account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I attempted to obtain an annual credit report from Experian on line at www.annualcreditreport.com. After submitting the form, the submission was rejected with this error : A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 
Annual Credit Report Request Service XXXX. XXXX XXXX XXXX, GA XXXX After getting this message, I backtracked to find the Annual Credit Report Request form. It displays as a PDFin the browser, but you ca n't fill it out there. You have to download it. I saved the file to my desktop, but instead of saving to a PDF format extension, the file is saved in a bizarre format - manualRequestForm.action. This file ca n't be loaded into a PDF browser. I renamed the file extension to PDF. 

My observation is that these steps all result in discouraging people from filing for a free report. The Web site provided no explanation as to why " A condition exists that prevents Experian from being able to accept your request at this time. '' It does n't say try again later. It just provides a mailing address. 

How many people just wo n't bother mailing in the request? Those who try may find it impossible to download the Annual Credit Report Request form. Then you have to wait three weeks or more to get a hard copy. 

In the time when businesses know everything about how users work with their Web sites, when organizations tune their sites to make them easy and frustration proof, this site seems to take the opposite approach and looks to discourage the very constituency it is charged with serving from getting the reports they are entitled to by law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2017 about Debt collection (Medical debt) with Choice Recovery, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I found a Collection company called XXXX XXXX XXXX XXXX on XX/XX/XXXX on my credit report stating that I owed a bill from a XXXX from 7 years prior. I have never been contacted by the XXXX about a bill being owed previous to XX/XX/XXXX.of any kind, so the next day when I got to work, I called the collection company, Choice Recovery and asked them about  the bill. They had a wrong address, wrong phone number, personal and work and had duplicated the bill twice on their records, which she said she removed one of the bills ... both were for the same date and amount. I begged her to take this off of my credit report since I had been working for a year to build my report up, but she said there was nothing she could do and I needed to just pay the bill. I paid the bill immediately just to get rid of it, hoping that my credit report could recover. That was on XX/XX/XXXX, and the bill is still on my credit report, which I have called them back and called XXXX and XXXX XXXX, but to no avail. HELP!! XXXX said they had asked for verification from the collection company but had gotten no response as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Student loan (Non-federal student loan) with ACS Education Services (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have XXXX XXXX student loans being serviced by ACS Education totaling approx. {$55000.00}. ( ACS also services a XXXX XXXX Loan of approx. {$75000.00}. ) The loans have been in repayment since 2004. 

I made repeated requests for ACS ( servicer ) and XXXX ( lender ) to provide an amortized payment schedule for each loan. This documentation is required by the underwriter of my mortgage lender for qualification purposes of an XXXX loan, pursuant to federal regulations in the US Dept. Housing and Urban Development. ( XXXX ) Both ACS and XXXX refused to provide such documentation. Only when pressed and asked directly, ACS offered to orally state the payment schedule of a single private loan, which is on a graduated payment plan. The ACS representative stated the payment amounts, length of term for specific payments, and dates due for each payment, but denied to produce any written confirmation of the information. Both ACS and XXXX indicated this is not a company policy to provide such documentation, and are not required to provide such information. ACS offered to provide the initial Loan Disclosures, which is insufficient documentation for mortgage underwriting, as the disclosures do not provide a full amortization schedule. 

Not only is refusal to provide an amortization payment schedule a deceptive lending practice and inconsistent with federal policies established at HUD, ACS ' lack of transparency does not afford consumers with the opportunity to understand their ongoing and future obligations under the loan ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (VA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I have attempted numerous times to open an online account with TD Bank via their specific link to a special offer allowing me to earn {$300.00} when I set up direct deposit after opening a TD Premier Checking account. I continually get a message stating " your identity could not be verified in the public record ''. It is not asking me detailed information. It is only asking my name, SSN, DOB, DL info, address, and source of my income ( I am a 27 year veteran and former XXXX XXXX ). They state they have no other means to verify my identity and since this account must be opened online in order to take advantage of this promotion, there is nothing they can do because " the computers won't allow it ''. Now I am on a " junk '' email list from TD Bank which emails me reminders that I did not complete my online application. My last attempt to open an account and speak to CSR was on XX/XX/2018 from XXXX-XXXX EST. 
The company responded that I could still get the {$300.00} by opening up an account at a branch. The closest branch is nearly three hours one way ( XXXX, VA ) and I am a XXXX XXXX XXXX veteran who was born in the US, and been in the US military 27 years and worked for the Federal Government also. How can my identity not be verified?? It does not make sense and to tell me to go to a branch 3 hours away is not resolving the issue. Surely there is some method of verifying my identity - I have a valid passport, SSN, DL, and am willing to scan or mail any or all of these to have my identity verified. Please assist me in getting a reasonable resolution to simply open an online checking account - I have online accounts at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and others and never have been to any branch or office to open accounts at those companies.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have an account with navient that I am not aware how I got with this company. I was not made aware that the company of which navient bought my loan from was taking place. It says that I owe {$31000.00} which can not be true and that my highest balance is {$19000.00}. This company has cheated struggling borrowers out of their rights to lower their payments " through shortcuts and deception. '' I have had several student loans obtained when I went to school at XXXX College in XXXX, CT. It says this loan was opened XXXX XXXX, XXXX. I do not know how this is possible when I XXXX in XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have previously filed XXXX complaints asking for copies of the XXXX returned checks for my student loans proving that I ever received these loans and then cashed them. In the XXXX complaint XXXX they submitted XXXX check. In my XXXX complaint XXXX they sent XXXX more of the checks. This means I have received XXXX of the XXXX checks. I do not understand why they have been unable to send all XXXX at once. I would like to receive the other XXXX checks as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (MI).
Issue: Taking out the loan or lease

Complaint: I recently decided to let my granddaughter buy my car. She paid it off through the finance company on XXXX/XXXX/15. It has been over a month and we still have n't received the lien termination letter or the title for the car. 
We have repeatedly contacted the company to let them know that we have n't received the information and they have just mailed it out. It was, supposedly, mailed out to us XXXX times, but we have yet to receive any of that information. 
I have XXXX of my granddaughters listed on my account as the preferred contact, as she understands all of this more than I do, and they refuse to speak with her. They do demand that they speak with me, when it is listed on my account to have her take care of everything. They are always rude when we talk to them and all of us involved with this are completely frustrated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Springleaf Financial is another one that started in XXXX County because that is where I live. Payments were being taking out of my check regularly to satisfy my amount due. However, at some point again XXXX County stopped taking the payments. Instead of Springleaf contacting me to make arrangements, the also went to XXXX County after 5 or so months. I believe that this behavior from them is being taken against me because I requested that they remove inaccurate information from my credit report. I asked that Springleaf remove themselves because at the time I thought that my account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I HAVE GIVEN EVERYTHING TO VERIFY ME THREE TIMES ALREADY - YET TRANS UNION REFUSES TO MAIL ME A FINAL ( POST INVESTIGATION ) CREDIT REPORT. THIS IS AN ABUSE AND HARASSMENT. I NEED MY CREDIT REPORT AFTER INVESTIGATION BY MAIL - NOT BY E-MAIL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (I do not know) with Rent Recover, LLC (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I received a letter stating that I owed an amount of {$1100.00}. I disputed the debt by mail XX/XX/XXXX. I never received any information confirming the debt and by XX/XX/XXXX, this collection company reported this debt on my credit report. This debt was actually a part of a civil case that had not yet been discharged. The civil case has since taken place and it was determined that it is Consumer Fraud. This Credit collection agency violated my rights by not sending me any information confirming the validity of the debt that I disputed.

Company response to consumer: Untimely response
Consumer complaint received 03/20/2016 about Credit card () with PAYPAL HOLDINGS INC. (AL).
Issue: Billing disputes

Complaint: Please see attached thank you letter I wrote to bill me later for finally correcting the numerous errors on my account and that I truly appreciated it. XXXX-XXXX % of every issue was corrected in my favor. Then I show them my statement just printed for XX/XX/XXXX. Once again they made another error. Circled on page XXXX of statement it says the {$190.00} charge in dispute I do not have to pay yet??? This was a XXXX ticket which delta finally processed a refund for {$190.00} after I called them. Pay Pal received the XXXX refund and notified Bill me later. Attached please find deltas emailed receipt showing this ticket as " XXXX '' status. Which means it was refunded. So why they have not updated this I have no idea. In addition I have been with Bill me later for years, always pay my bill 1 day after bill prints never paid interest, never late, XXXX % payment record. So I must say I received no communication at all except again on page XXXX of this statement in middle it says " Youre account is closed ''???? I have asked them why? No response. It appears even though all disputes were their error and found correctly in my favor they have retaliated for asking for your assistance by not telling me but closing my stellar account. Unbelieveable. What route do I need to take to get this account opened?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2017 about Credit reporting () with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I did not authorize this company to run a credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have already paid the debt and was informed by collections that this debt would be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (ME).
Issue: Account opening, closing, or management

Complaint: My account with American Express Serve has been locked and is " going to be closed ''. I called to inquire on the issue and they say that one of the transfers made to my account was fraudulent, I ask why they will be closing the account because one transfer was reported as fraudulent and they just say " because of our terms of service '', so I go on and ask how they will be returning my remaining funds to me and they say that all of my funds will be returned where they came from. My account was funded by account transfers from other people and they want to return the funds to those accounts even if they where NOT fraudulent in nature. The account transfers where made as payment to me and none of them where fraudulent in nature to my knowledge, even if one where they are saying that ALL of them will be returned even ones that are not reported as fraudulent.

Company response to consumer: Closed with explanation