milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Keep saying accounts remove from my credit profile. But its still showing accounts on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I have reached out to Transunion to see if they would clear the inquiries on my credit report due to the fact that my identity was stolen. They were not able to help. Below are the credit inquiries with the dates listed that were placed using my information without permission. 

XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 02-06-2018 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (NC).
Issue: Trouble during payment process

Complaint: We submitted a complaint about RoundPoint Mortgage last week about them not paying our property taxes and miscalculating our escrow despite concerns from us. 
We need to add to this complaint as more information and mistakes was discovered since then.. 
After requesting an escrow analysis, which we still havent ' formally received, they called us and started saying we would owe about {$600.00} more in monthly payments. Yes, that is correct {$600.00} more!! with no clear explanation nor written proof. 
After some digging on our end, and making math we realized they never paid any single of our PMI premium. They were not even aware of it, or at least didnt tell us and were not transparent about that. 

So now, this is what Roundpoint is trying to do : - they want 17 months worth of PMI so they can reinstate the insurance ( {$1800.00} ) - they want 2 months of escrow cushion ( {$1200.00} ) since the escrow is now to almost XXXX This is not required, even less when no further major payment will be due until XX/XX/XXXX ( hazard insurance ) and taxes XX/XX/XXXX/XX/XX/XXXX. 
- they want to cover {$700.00} of gap since $ from our XX/XX/XXXX andXX/XX/XXXX monthly escrow payment were used toward XX/XX/XXXX property taxes - and lets not forget the {$1200.00} of tax refund we are not getting in our tax return because of their mistakes. 
- also, our taxes still show as unpaid on the XXXX county website .... the money is out of the escrow, and they claimed they paid, but again I will only believe it when i see it. 

This company is a fraud. Reviews online are horrific! we talked to a lawyer today to help us on how to move forward. Apparently it is not the first time they hear from RoundPoint at all. How is a company like that still running? 

We never talk to the same person, each time, we have to re explain everything, and they have to talk to their third party team. They know nothing. 
We have mailed a letter of error for the taxes, we have emailed and sent multiple messages through their message center - we got absolutely NO written answers from them. Zero. We get phone calls from different supposedly managers. We waste time and nothing is formal or clear. They did not even know they didn't pay PMI which is a requirement of our loan to protect THEM! And now they want this money back from us? 

We will be making noise about this. 
This is all unacceptable and stressful. I am XXXX XXXX XXXX and we are a one income salary. We do not need this kind of stress right now. nobody does, but even less. We will sue if we need to and if reasonable resolutions are not made. 

We also will not longer be responding to their phone calls. We expect every further communication in written and will not make any additional payment other than what wec currently pay until this is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: All of my detailed information is attached to this complaint. During this whole ordeal I ca n't understand if a debt was paid-in-full due to a total loss claim, HOW does a company consistently accuse you of still owing, keep this mis-information on your credit reports in their alleged justification and refuse to admit that the accounting fault is the fault of the company for how they handled the pay-off settlement for this loan. I should not continue to have my credit scores damaged because this company is determined to penalize me for not being able to collect 5 years of high interest rates for the loan I had with them. 
At the time of the loan I entered a second chance loan agreement at 24 % interest for 60 months. However, because the vehicle was totaled when an act of nature occurred ( I unavoidably XXXX XXXX XXXX in the midst of an Ice storm. Prior to that I was forced into a bankruptcy in order to save my home from foreclosure ; of which all of my debts had to be included in this filing. Since this company fell under that jurisdiction they were listed, BUT EXCLUDED from the original proceeds because I agreed to pay them separately to maintain my credit under the second chance program. However when all of this happened, they tried to use the bankruptcy status to justify why they kept accusing me of still owing them money - '' AFTER THE ACCOUNT WAS PAID IN FULL!!! '' Now this account has bee listed as a charge off which is bad for my credit rating and bad because they are still proclaiming that I owe them money!!!!! This is the question I keep asking EVERYBODY : IF YOU PROCESSED A PAY OFF CLAIM ACCORDING TO WHAT YOU STATED WAS THE PAY OFF AMOUNT, WHY WOULD N'T YOU REPORT THE CORRECT PAY OFF AMOUNT IN ORDER TO BE PAID IN FULL????? 
NOT ONLY THAT, WHY WOULD YOU HOLD THE CUSTOMER RESPONSIBLE FOR YOUR MISTAKE, RUIN THE CUSTOMER 'S CREDIT RATING AND CONTINUE TO REPORT INCORRECT, DEROGATORY AND NEGATIVE INFORMATION FOR THE ONLY PURPOSE AS TO KEEP ME IN FINANCIAL BONDAGE FOR THE LENGTH OF TIME THAT I WOULD HAVE BEEN PAYING THEM IN INTEREST RATES FOR THIS HIGH END LOAN! THEY FEEL IF I WANT TO GET RID OF THEM THEY ARE TRYING TO FORCE ME TO PAY THEM WHATEVER THEY WITHHELD FROM THE PAY-OFF AMOUNT JUST TO ATTEMPT TO MAKE ME PAY THEM MONEY

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 09/28/2016 about Mortgage (Conventional fixed mortgage) with DAS ACQUISITION COMPANY, LLC (MO).
Issue: Settlement process and costs

Complaint: Included with this complaint you will find the closing disclosure provided to me on XX/XX/2016 by DAS Acquisition Company LLC ( DAS ). As you will see the closing costs disclosed totaled {$2200.00} ( page XXXX ) - this number includes {$2300.00} in loan costs + {$7100.00} on other costs - {$7300.00} in lender credits. Therefore, my cash to close totaled {$0.00}, as disclosed on page XXXX. HOWEVER, it is the practice of DAS to require borrowers to agree to the additional attachment provided which requires me to bring in {$4800.00} to close. I believe this practice by DAS Acquisitions Company LLC DBA as USA Mortgage is intentionally set up to circumvent the requirements of Regulation Z, specifically the disclosure requirements of TRID. If nothing else this closing disclosure and accompanying document should be considered an unfair deceptive act or practice as one document leads a borrower to believe their cash to close is XXXX when what is truly happening is the lender is disguising a lender credit as a borrower 's true cash to close. DAS should be required to comply with Regulation Z and truly honor the lender credit as disclosed in the closing disclosure and therefore my cash to close would truly be as disclosed on the closing disclosure {$0.00}. I would also recommend that this complaint be expanded to identify any other impacted consumers. A lender should not be allowed to issue conflicting closing documents. I am not sure if this is a sales tactic or a way to avoid having to verify assets of a consumer and doubt this document is provided to the final investor as it would make the closing disclosure in violation of Regulation Z.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/18/2016 about Bank account or service (Checking account) with TCF NATIONAL BANK (MI).
Issue: Using a debit or ATM card

Complaint: I have been a customer of XXXX bank for over 3 years. Overall the bank has been alright. But periodically money comes up missing from my account. The transaction is debit from a foreign ATM. I live across the street from my bank there really is n't a reason for me to go to a foreign ATM unless there is n't a tcf bank around. This last transaction happened on XXXX XXXX, 2016 at XXXX in the morning at foreign ATM. I swear I was home asleep. If you review all of my ATM withdrawals I am never withdrawing money at that hour. They said the have documents but never provide it. Now the last time it happen about five months ago I got a new card and I did use the same pin number. So this time I changed my pin but I still do n't feel safe but this is the closest bank. I should be able to bank there and feel secure. Something is going on with their debit cards. I ca n't believe I am the only customer experiencing this. I want my money back. The amount is {$100.00}. I know to some that 's a small amount but I work hard and it 's a lot to me. Nobody seems to care. I will have to find another bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-11-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I recently was approved for an in-house modification with Ocwen. I submitted the first payment which was due on XX/XX/XXXX. However, I went to make the second payment, which was due on XX/XX/XXXX and see that everything has reverted back to the foreclosure/default status and my payment due is XX/XX/XXXX and they will not accept payments from me. The agreement and paperwork clearly states that payments must be made " within the month in which it is due or modification will be cancelled. '' XX/XX/XXXX is clearly within the month. However, I see that the status stating " your loan has been permanently modified '' has been changed to " you may be eligible for a permanent loan modification. '' I would like to modify the loan and stay in the home but can not go many more rounds with Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have reached out to Equifax several times in the past few months as it pertains to my credit report. I have been erroneously denied credit, checking accounts and loans after being a victim of hurricane Irma due to false information on the Equifax report as Equifax is reporting me a deceased! on XX/XX/XXXX I mailed and faxed a copy of my ssn card and drivers license to have the account updated. I received a letter stated it had been updated to only find out on XX/XX/XXXX when I went to apply for a emergency relief loan thru XXXX XXXX that the account was reflecting with limited credit due to consumer deceased alert! I was also denied a checking account thru XXXX XXXX XXXX XXXX due to the same error! I called Equifax on XX/XX/XXXX after waiting 3 hours the rep advised that they were showing no errors. Call disconnected and I called back on XX/XX/XXXX and requested a supervisor, only to be told that they do show the error and it was a technical glitch and it would be corrected within 24-48 hours. I waited that time and reapplied for the emergency relief loan and credit card- only to be declined for the same issue! I am livid. I have inquiries that should not be, I even ordered the Equifax credit report, however credit card companies, which I have a denial on file to show you have erroneously denied and extended credit due to an error that should have been fixed months ago. It is not fair and it is illegal as they have had months to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Credit card () with PAYPAL HOLDINGS INC. (NC).
Issue: Billing disputes

Complaint: PayPal Credit is charging me late fees and deferred interest charging and not properly processing my payments. I send two payments in for {$1000.00} and {$45.00} on XXXX XXXX, 2015. Today I was informed that my payments were not processed and I have been assessed {$100.00} in interest and {$35.00} late fee. My bill is not going down and I keep getting hit with late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law, effective XX/XX/2017, any public record data must include name, address, dob, and ssn in order for it to appear on your credit report. The credit bureau has not updated the information, and per the new law a true bankruptcy that is listed must include this information or be deleted from my credit report.

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 12/13/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I have contacted Chase Bank regarding my home mortgage which was suppose to be a Home Affordable Modification Program Agreement, off and on since XX/XX/2016 Each time when I call the XXXX I get a different Customer Assistance XXXX but the same answer regarding the amount of my monthly payment {$900.00}. However when I receive my monthly statement from Chase the the monthly mortgage amount is different. This month the payment is {$440.00}. I just was speaking to a representative at Chase regarding the difference and was disconnected. The amount I am paying and the amount Chase says I owes is {$450.00}. As a widow with a daughter with latent XXXX XXXX I am struggling to make my monthly payment. Can someone please explain to me why the huge almost double difference in the monthly payment amounts from XXXX branch of Chase to another? I just made my XX/XX/2016 payment and I paid from the Chase monthly statement I received showing {$440.00}. l called Chase asking for verification of the amount due and the woman I spoke to said the payment was {$800.00} plus, once again a different amount. I would appreciate any help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I just think it is crazy how my loan was passed around from XXXX, to XXXX, to XXXX. When I called XXXX to get my number off payments for public service they said they did n't have a record and that they did n't serve the public service program. So I had to transfer to Fed Loans. Fed loans did n't have my records, but they somehow had my direct payment information. Know I have to resubmit information that I submitted when it was with direct loans. Next on the fed loans application it ask for my wives salary information. She has nothing to do with the loan I thought. It did n't say that my loan amount would go up based on her salary. So when I got my new amount it sky rocked. Making me put my payments on economic hardship because we did n't have enough money to pay. I just think the whole thing is XXXX. Lost information and every customer service rep telling you something different is crazy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (MA).
Issue: Trouble during payment process

Complaint: a ) My monthly payment is $ XXXX/mo.

b ) I pay my own taxes and insurance. 
c ) I issued advance payments for {$1700.00} each covering thru XX/XX/XXXX. 
d ) Shellpoint has my account past due/foreclosure/default for {$28000.00} ( approx ) as of XX/XX/XXXX. 
e ) On XX/XX/XXXX, I issued two payments ( {$3500.00} tot ) for {$1700.00} each by mail since I could not issue an auto/electronic payment since they have the account in " default '' status. 
f ) Shellpoing has stated the last payment was received on XX/XX/XXXX covering thru XX/XX/XXXX. 
g ) Shellpoint has added " forced lender insurance '' for {$5500.00} for XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Consumer Loan (Installment loan) with DriveTime (GA).
Issue: Managing the loan or lease

Complaint: Drive Time sold me a car ( Chrysler 200 XXXX ) at 16.9 % interest. I drove the car a little over a week and the Anti-Freeze hose was completely busted that I could n't even replace the hose i had to replace the entire hose including the cap mounted to the front of the car. Since I 've had my car the 2nd week I 've been filling my front right tire up with air because the light keeps coming on " low air ''. Drive Time told me today that my payment was Behind ; after a day when in fact I 'd paid the car not the night before they called through my bank - telling me that I would inquire a 2 % interest late fee EVERYDAY that I 'm late. I told them i would Not pay that I could show them receipt of the date and time stamp that I made the payment. I refuse to be paying a company that will try to bully me harrassing and calling my phone at work repeatedly during the day BEFORE and AFTER I 've made a payment. My number is XXXX and email : XXXXXXXXXXXX.

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 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MO).
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: Failure to provide a copy of a signed contract or any instrument bearing my signature.  Chase  only provided photo copies of statements. As per FTC opinion letter from Attorney  XXXX   XXXX   XXXX   Chase should be aware that a printout of a bill or itemized document does not constitute validation. After   Chase investigated this account I was send violation of the Fair Credit Reporting Act section 623 ( a ) ( 3 )   and/or the Fair Debt Collection Practices Act Sec  tion 807 ( 8 ) by not placing the disclosure within the required 30 day period.
As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.     ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in sectio n 603 ( p )

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IN).
Issue: Loan modification,collection,foreclosure

Complaint: For the past 4 years I have been trying to work with XXXX and Ocwen, for a loan modification, by using Hamp. I have submitted over XXXX applications, only to be told after several weeks something is missing, or Paperwork out of date. Foreclosure sale date has been set XXXX. We filed chapt XXXX, to stop sale the first time. On XXXX XXXX XXXX XXXX XXXX contacted us to say that they had received our paperwork from Ocwen and that we were finally going to have a workout. Paid them {$1500.00}, payments to begin XXXX XXXX. Bankruptcy was discharged, 1. Because we did not feed it. 2. Ocwen never responded to the courts regarding payment plan, but since it looked like all would be resolved, we were not going to need it. We have no other debt. In the mean time another sale date had been set XXXX XXXX, only to find out the week before that Ocwen had no relation with XXXX, therefore we had been victims of fraud. As a pre caution, we filed ch XXXX again in order to stop the sale, because XXXX attorney nor Ocwen was listening to us regarding what had taken place over the last 6 months with XXXX. The night before the sale, the sale had been stopped. Ocwen asked that we re submit paperwork for loan modification, then was told that the off shore bank XXXX XXXX, would not except the Hamp program, and they were going to try to do this in house. We have been submitting paperwork for over 4 years, and they just are telling us, that this trust company would not accept this govt program, and that I needed to check with my state to see if I could get assistance. All in the mean time, fees, legal fees, interstest, principal balance continues to rise. We have now received a court document Assignment of Judgement, stating XXXX has assigned all rights to XXXX XXXX. Effective XXXX XXXX. We just want to pay our mortgage. But the arrears have become so high, we are so underwater.

Company response to consumer: Closed with explanation