milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (VA).
Issue: Struggling to pay mortgage

Complaint: In XXXX and XXXX, I request for a modification with XXXX XXXX XXXX. I sent all the documents, nothing was done. In XXXX XXXX the customer service representative told me the loan is sold to Bayview Loan Servicing LLC. It took them to XXXX XXXX to respond to my status enquiry. I sent more documents to them for modification, yet no modification was approved. They keep piling interest and fees, inspection fees, and legal fees. In XXXX XXXX, XXXX date of XXXX XXXX, I receive a letter ( attached ) that the note is destroyed and unavailable. On XXXX XXXX, I receive a letter for sale of house on XX/XX/XXXX.
Bayview should drop the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: On my letter dated XXXX XXXX, 2017, I requested this credit repository to conduct an investigation on a couple of items reported incorrectly particularly Bankruptcy CHXXXX ref # XXXX. Apparently, despite the incorrect status and despite this item not associated with my social and date of birth, this credit repository insists that these pieces of information were verified. I was able to verify with the court that the item was withdrawn XX/XX/XXXX. More than 40 days had passed and yet this company continues to report this incorrect item.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (TN).
Issue: Account opening, closing, or management

Complaint: In XX/XX/XXXX my wife and I opened a checking account, an IRA and a line of credit with XXXX XXXX in XXXX, XXXX We set up XXXX automatic withdrawals ( an internet monthly service and a bank associated insurance product to cover the line of credit ). We continued to use this bank until XX/XX/XXXX when we moved to XXXX, XXXX. to a rental home. We gave them a change of address for the move to XXXX. XX/XX/XXXX, we purchased a home and opened a bank account in XXXX XXXX. XXXX XXXX was purchased by Td Bank in XX/XX/XXXX. We had left the account in XXXX open. Over the ensuing 10 years XXXX XXXX and then Td Bank continued to withdrawal from the account the monthly recurring charges for the internet service and bank associated insurance product and then once the account was empty, they would then go to the line of credit and withdrawal the amount to cover the XXXX monthly charges plus a transfer fee plus an overdraft fee plus a monthly maintenance fee. The accrued charges are now {$8600.00} worth of debt to the line of credit. Td Bank states that they sent overdraft notices but they sent them to the wrong address for 10 years. My concern, although we did not provide a new address on the second move, is how could the bank not notice an account has been dormant for 10 years and then has reoccurring late fees, continued maintenance fees associated to a XXXX balance account and continued overdraft fees with no action. How could they not notice a return to sender on every overdraft notice they received for 10 years. Furthermore, they never sent any noticed for payment until I recently attempted to apply for a home mortgage and my current bank questioned the line of credit amount. When I contacted Td Bank and asked about the fees and charges, their response was it was not their problem or fault for the fees and they requested immediate payment. Had they asked for payment years ago, the current situation would have been easily rectified and not occurred. The accounts could have all been closed and the reoccurring charges transferred to my new bank. Today, when I requested documents and statements they charged my account a fee which will now require a transfer fee from the line of credit and an overdraft fee, thereby increasing the debt on the line of credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: Found out recently through XXXX XXXX that my credit dropped over 100 points in the past 2 months because of non payments to a XXXX XXXX loan, which I have not received any correspondence with this company. This server is Navient and I have read this is standard practice from this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 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: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name, address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law the discharged/dismissed Chapter XXXX bankruptcy listed does not include this information and should be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Consumer Loan (Installment loan) with Ditech Financial LLC (WA).
Issue: Problems when you are unable to pay

Complaint: This loan was initiated with a bank in XX/XX/XXXX, which then sold the loan to XXXX, which then sold the loan to XXXX XXXX XXXX, which then sold it to Green Tree Servicing LLC. This last transfer happened in the first fall-out of the mortgage-lending crunch/bad debts/people losing homes, etc. -- before all of the programs to help owners keep their homes. When I realized I could no longer keep the house, I tried to place it with rental management companies ( in XX/XX/XXXX ), but no possibilities there. I then tried through Green Tree Servicing LLC to have them take the house/loan back, but was told that since I had moved out of the house and out of the state and gone where rent was less expensive, that it was now 'rental ' property and did n't qualify for them to take the property over. I contacted a realtor that specialized in 'short sales ', but Green Tree Servicing LLC would not deal with this realtor, but instead sent the house for Sheriff Sale. The house originally was purchased by me for {$250000.00} in XX/XX/XXXX. After 4 years of my paying approximately $ 2,000/month, Green Tree Servicing LLC sold the house to itself for {$200000.00}. So, I lost the house, lost my credit standing, have been scrambling ever since to live, support my children and have them grow without the sword of Damocles forever overhead. In checking with one of the credit bureaus, I see Green Tree Servicing LLC making periodic, new adverse reports against me as if I keep defaulting on a debt. Is this even legal/legitimate?

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax use my identity and share my information with another person and there is XXXX  unauthorize hard inquiries on my credit report.My credit scores is around XXXX.

Also XXXX and XXXX has n't deleted the negatives of unauthorize hard inquiries and negatives after Bankruptcy chapter XXXX on XX/XX/XXXX it was discharged on XX/XX/XXXX by Federal Judge.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello, I have spoken to XXXX people at Navient now over the past month. They tell you to not call back until about a week before your first payment is due in order to establish a payment plan. SO, one calls a week before to set up their payment plan and are given the amount. I watch my account online for it to reflect the amount and it does not. Not wanting to default on my first ever student loan payment, I pay the full amount. 
I then call back to Navient to try and set up my other loan payments only to finally find out that they will set up the payment plan BUT you have to make the first payment in full and THEN the Payment Plan will take effect on the next billing cycle. Is this not the point of a Payment Plan? You ca n't afford that payment as is! 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have contacted Equifax several times, both in writing and by phone, to ask them to correct the personal information they have on file for me. ( Equifax has me with a " XXXX '' at the end of my name, and I am not a " XXXX ''. ) I have sent them proof of my identity and proof of my address several times and I keep receiving the same response stating that what they have on file for me does n't match the information they have. So when I call to try to update my information by phone their representatives tell me that they ca n't help me. I 'm not sure what else I can do but I really need Equifax to update my information and send me the results of the last XXXX disputes I sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Debt collection (Credit card) with Atlanticus Services Corporation (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I do n't remember this credit card to be honest I receive a letter from the XXXX of new York saying notice of garnishment. the collection is from XX/XX/XXXX it 's tooold to be Sue for and at the same time I got injury on the job I 'm waiting on workers Com. I do n't have any income coming in at the moment. I did n't receive any notice trying to collect before suing me. I was Sue before my check was being Garnish and I got lay off so I was n't able to continuing paying this in XX/XX/XXXX the company was getting money from my pay check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/20/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Credit card protection / Debt protection

Complaint: Bank of America has not recognized any of the fraud claims I have sent to them in the past 5 months and thus right now they owe me XXXX dollars including the current fraud claim on my credit card. If they fail to recredit my credit card and pay me the total XXXX, I will take this case to small claims court.

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 monetary relief
Consumer complaint received 03/20/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Unsolicited issuance of credit card

Complaint: Somebody with the same name as mine but a different SS # & different Date of birth applied for a credit card from Kohl 's. For some reason, Kohl 's opened the account under my SS # & DOB. I noticed this when I received some mails from Kohl 's. I immediately contacted Kohl 's & requested them to close the account. I followed up a month later & they assured me the account was closed. However, one year later ( About XX/XX/2016 ) I received a notice of privacy practice from Kohl 's & also it came up while applying for a mortgage loan that I have an open account with Kohl 's. 
I come to find out that Kohl 's did not close the account as they indicated one year earlier. I contacted them again & it became a running battle for them to close the account they had illegally opened under my SS #. At this point, my credit was negatively impacted & I got less favourable mortgage terms than I would otherwise have gotten. I believe Kohl 's owes me some compensation for the harm they did to my credit & the grief they caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was recently sold to PennyMac. PennyMac 's website does not interface well ( if at all ) with the Safari web browser resident on my iMac. There are XXXX Mac users and I am not the only customer with this problem. PennyMac acknowledges the issue, but it prevents me from making extra payments or finding out important info regarding amortization, etc. PennyMac has known about the problem since XXXX 2015 and " hopes to do something about it over the next year. '' If a company can not service the loan of a perfectly happy customer with their original lender, then what recourse does the customer have?

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received an alert from my credit monitoring agency that a collection was placed on my credit report on XXXX XXXX, 2016 by Trans-world collection agency. I never received any notice of my right to dispute the debt. The collection just appeared on my credit reports. I spoke with a Trans-world representative and she gave me a number to fax a letter demanding due process. To date I have not heard from them. Please assist me in removing this negative information from my report and give me time to check with my health insurance about this medical bill of {$55.00}. 
The representative admitted that there she did not see any documentation of communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Three months ago I requested that NationStar mortgage stop deducting the optional insurance from my mortgage. I even provided the necessary cancellation number they requested from the home warranty company, they still continue to deduct the insurance. it is now XX/XX/XXXX, they are still deducting the optional insurance from my mortgage. I have never dealt with a worse mortgage company. I ca n't get them to stop. I have called them. I do n't know what to do. I 'm on Social Security.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Other

Complaint: CAPITAL ONE BANK USA XXXX, reported to the XXXX major credit bureaus that I was 30 days late from XXXX XXXX through XXXX XXXX and also XXXX of XXXX. I have had the account on automatic payments for more than the required amount due every two weeks and have since the beginning of this credit card. I have contacted them on numerous accounts to resolve this discrepancy of which none have yielded valid action to rectify their major reporting deficiencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Fraud or scam

Complaint: On XXXX XXXX, 2015, the account ( XXXX ) on XXXX purchased my XXXX mini XXXX XXXX Wi-Fi, for the amount of {$450.00}. The account owner, named XXXX XXXX XXXX, requested an invoice for the transaction, which I provided immediately. Then I received automatically generated emails from ( what I believed were ) XXXX, notifying me of the transaction complete, and from XXXX, congratulating me on selling my item. Since, I believed that I had received the payment from the buyer, I shipped it to the buyer with overnight priority ( which I charged to the buyer as an additional {$86.00} ), as we had agreed upon. Unfortunately on XXXX XXXX, 2015, I received an automated email from eBay stating " We had to cancel bids and purchases on the following item ( s ) for the buyer, because they were made without the account owner 's permission ''. Upon further review of the communications that I had received from " XXXX '' ( email address : XXXXXXXXXXXX ) and " XXXX '' ( XXXXXXXXXXXX ) in regards to this transaction, I realized that although the emails appeared to be very authentic, they were in fact fraudulent and malicious. The email correspondence that the buyer provided was XXXXXXXXXXXX The XXXX tracking number that I provided to the buyer after shipping the XXXX to her, was : XXXX And the address that she requested it be shipped to was : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX This address was different than her address that was provided on eBay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: I purchased a auto XXXX/XXXX/XXXX Santander is the lender for a little over {$12000.00} after taxes and interest. I have missed a few payments and have been late, however I asked for pay off amount XXXX/XXXX/XXXX and was told I owe {$13000.00} because of interest fees and late fees. I do n't understand how I can owe more than what the loan was for, Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (MI).
Issue: Taking out the loan or lease

Complaint: You have Ally bank listed twice on XXXX/XXXX/2015. I authorized 1 credit check, you do n't get to count it twice

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Debt collection (Credit card debt) with First National Collection Bureau, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This is the second account they continue to harrass me about. Now this debt which is passed the statute of limitations in the state of Texas is sold to this company who is now harassing me regarding this debt and has threatened to place it on my credit reports for all 3 bureaus and take legal action. They continue to call and hang up on my phone while I am at work. They call from different numbers stating they need to deliver court documents. I am being harrassed day and night. This company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law. I filed a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the mental, emotional and medical stress and distress this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I  demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX I refinanced my loan on the property that I 've lived in since XX/XX/XXXX ( the refinance was to remove my exhusband ). At that time, I was told that flood ins was not necessary and was provided a XXXX stating flood zone XXXX. ( I have never been required to purchase flood ins since owning the property beginning in XX/XX/XXXX. ) Now my mortgage co, PHH Mortgage, has stated that I 'm in XXXX XXXX and do have to purchase ; they purchased on my behalf and have begun to escrow to my acct. As the FEMA flood zone mapping has not changed since XX/XX/XXXX, I do not understand why this has changed and I 'm now required to purchase. Upon questioning this, I was told that it is because of a very, very small portion of the SE corner of my house as in the XXXX XXXX, however this is where my septic drainfield is located and is elevated due to this. The base elevation of my floor is XXXX ft XXXX in which is XXXX more feet about the XXXX ft 100 year flood standard. My house is on a concrete pad so there is no basement or crawl space that can flood. I would only have damage if the water gets over XXXX feet. 

Also I know that my neighbors directly north of me were told by their bank that they did n't need a floor elevation on the survey since none of their property is in a flood zone, and my floor is XXXX in higher than theirs.

Company response to consumer: Closed
Consumer complaint received 12-08-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (DC).
Issue: Account opening, closing, or management

Complaint: I opened a Citibank checking account as part of a college campaign when I was XXXX years old. The account was free as long as I had deposits every month. In XXXX of this year, Citibank automatically switched my account into a new " full service '' account which charged me {$25.00} a month unless I maintained a $ XXXX balance on my check account, which is a lot to ask for. They did not ask for consent to switch my account over. They claimed they sent me a letter letting me know it was done, but I did not receive it. I 've asked them to reverse the fees, since if I had known, I would not have authorized the switch, opted for a basic account, or closed my citi account. They 've reversed half of the charges, but wo n't reverse the rest. They also charged me a {$25.00} fee after they switched my account back to a basic account upon request. Please let me know if there 's anything you can do to help, 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 monetary relief