milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2017 about Mortgage (Conventional fixed mortgage) with Statebridge Company (NY).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX I mailed my mortgage payment to Statebridge Company, LLC. XX/XX/XXXX I received a statement from Statebridge stating I owed a {$24.00} late fee because my payment was not received until XX/XX/XXXX. This is not the first time I have had to file a complaint against Statebridge over a late fee. It is to Statebridge 's advantage to " drag their feet '' in order to charge additional fees. I will not be held responsible for Statebridge 's lack of timeliness in depositing mortgage payments. My mortgage statement for XX/XX/XXXX states I owe my mortgage payment for XX/XX/XXXX ( my XX/XX/XXXX mortgage payment check was cashed so where are the funds? ) and XX/XX/XXXX. I will NOT be paying any late fee because I mailed my XXXX payment from the XXXX XXXX Post Office in XXXX with more than ample time for Statebridge to receive my payment. I will complain, and seek higher authority to resolve this ongoing problem. This is the same theft/shenanigans/ smoke and mirrors behavior XXXX XXXX used to play. I filed a complaint with the federal agency that oversaw thieving behemoths like XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Debt collection (Medical) with Capital Accounts, LLC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid all copays and just rec 'd a bill from a collection agency. I have never rec 'd anything in the mail before on this. I called the Dr offfice and they say it was because visits that are being billed didnt have a referral but I always had a referral and if they told me that I would have gotten XXXX. I have attached proof that my primary care physician did send referrals. I feel as though this is some sort of way for them to bill people almost 5 years later knowing they will pay or it will kill their credit. I am in the XXXX and will be forced to pay something that is not accurate almost 5 years after the services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I have recently received a certified letter from my mortgage lender indicating that I  may  be foreclosed upon soon. However, for the past 5 years I have been in a Chapter  XXXX  bankruptcy and all payments have been made through the  Trustee, who by the way has been attempting to MAKE the mortgage servicer Ditech  refinance my loan due to the high interest rate, however they continued to indicate the application was incomplete and refused to refinance. I have a statement from a month ago indicating that my loan was not only up to date but paid ahead, and I have an email from my loan servicing stating verbatim, that they doubled my escrow account balance when they put the loan on their system and they owe me over {$12000.00} and was supposed to send me a refund, therefore, I asked my attorney to dismiss my bankruptcy, which he did. Not more than a week later, the loan servicer reversed all payments from the account and according to my online access they state I am past due over {$43000.00} and they have recently sent me foreclosure warnings. I have telephoned them over the past few weeks and spoken with representatives over a recorded line at work where all calls are recorded where they have admitted that someone has done something wrong and needs to be corrected, however I just received a certified letter from the lender,  Ditech  with regarding to possible foreclosure. In addition, in that same week after they reversed all payments they updated my credit report as being past due on my home loan and my score dropped from  XXXX  to  XXXX . In addition, they claim they have advanced {$44000.00} but no one can tell me to whom they paid these funds.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: APR or interest rate

Complaint: On XXXX XXXX, 2016, I paid my Sears account and was told by the automated attendant that the bill would post the following day. The following day came and went and I spoke to a Supervisor named XXXX who indicated that it was Citibank 's policy to hold the money for an additional 7 days and that I would not have access to the money until the XXXX of the month. I believe that this is fraudulent since I would never be able to catch up on the bill if they hold the money for 14 days. Furthermore, this allows finance charges and the like to accrue without payment. This is against the law. I believe this policy needs to be investigated.

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 06/25/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Credit decision / Underwriting

Complaint: Entered into a refinance transaction with PennyMac who currently holds my mortgage to get out of the current FHA loan and into a conventional loan and either remove or greatly reduce the mortgage insurance. Once the appraisal was completed, I reviewed and was shocked at where their appraiser came in at for the value. I work in the mortgage industry and have reviewed appraisals for 15+ years and knew the reconciliation was deeply flawed. Normally even though there is appraiser independence post mortgage melt down, a Lender 's internal appraisal department has the ability to review an appraisal and change the value used for lending if there are flaws in the appraisers result. PennyMac would not review and only sent my rebuttal to the appraiser who of course did not change his value conclusion and still did not provide justification for his value at the extreme low end of the market and his commentary actually supported the higher end of the market and his adjusted values for both closed sales and listings supported higher than his ultimate value. I even provided XXXX comps that were pending sales at the time of the report and also supported at least the middle of the value range if not the higher end. This is an issue for consumers especially with the resulting payment when compared with the fees and increase in principal at the end of the proposed transaction left no benefit of refinance. If I had not been in the industry I may have still proceeded with the transaction instead of cancelling as I did and been in a much worse position as the Rep never brought up the discussion on whether the new loan was still worth it with the much lower than anticipated value that left the LTV over 90 %. The only proposition brought up was to bring in {$4500.00} to pay down the principal to 90 % LTV which would lower the payment by less than {$100.00} so the money brought in would take at least 4 years to recoup and therefore makes no sense. I will attach a full breakdown of the assessment and flaws in the appraisal later in this process, but the lack of making sure the customer is put in the best position because not every appraisal will be acceptable while most are and the lack of guiding the consumer to the best situation for them financially is concerning if this were to happen to someone without industry knowledge or not financially savvy. It appeared they were just looking for a new transaction any way they could get it and if not they still held the servicing for the mortgage so either way PennyMac was set while the consumer was not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-06-2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicer was accepting payments from me up until XX/XX/2015. I was also trying to catch up on my late balance from when I was working and had no other income. They sent me XXXX checks back and said my mortgage is in default and they have stated foreclosure proceedings. Why ca n't I continue to make payments to try and resolve this issue? I do not want to lose my house. If I had the {$6500.00}. plus to give them immediately, I would. I am searching for other options, such as retirement money or a loan from somewhere. I want to pay them. Can you help me, please???

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Medical debt) with USCB, INC. (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Hi, I disputed the collections account that XXXX California sent to USCB America, XXXX XXXX, CA. 

To no avail. 

I have tried to get information on the collections account from USCB America, over many months, including trying to pay it in full as it is negatively impacting my credit, also right to work and lending underwriting, this company appears to be corrupt. Never have I dealt with a collections company that does n't do everything possible to take your payment. This behavior tells me, they want to keep you in collections limbo so they can increase their fees on the debt amount. 

They ca n't find my account They ca n't find my account number, even with my SSN, full name, address, etc. 
They ca n't transfer me properly They transfer me to people who do n't handle collections They do n't have the expertise to handle my inquiry They do n't speak with comprehension They hang up if you raise your voice out of frustration I want this debt discharged from all credit reporting agencies immediately,

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Debt collection (Medical debt) with Alliance Group & Associates LLC (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I was called at my cell phone number (  XXXX  )  XXXX  on   X/XX/17     at  XXXX . The caller id was (  XXXX  )  XXXX  and I answered and heard silence due to the dial being placed with an autodialer. When I got connected, I informed the caller this was a cellular phone and I requested not to be called.   I received another call from  (   XXXX   )   XXXX  to my cell phone number (  XXXX  )  XXXX  on    X/XX/17    at  XXXX . I answered and heard silence again from an autodialer and was then transferred to a representative. She stated she was calling fro m Alliance Group an d  Associates regarding a collecti on matter from   XXXX   XXXX   XXXX   XXXX . She did not give any disclaimer about call recording or give the required mini-miranda disclaimer. I asked why they continue calling my cell phone after I have requested no further calls and why they called with an autodialer and I explained this violates the TCPA. She immediately asked me to commit to payment for a debt I do n't recognize and then made threats to damage my credit and garnish my wages then hung up on me!   I called back  (   XXXX  )  XXXX  and another rep answered and did give a call recording disclaimer along with a mini-miranda disclosure. I asked again why they keep calling my cell phone with an automated dialer and she claimed the number was located through skip tracing and is permissible so I asked to speak with a supervisor. I was placed on hold then the same representative came back giving me a number in South Carolina for me to dial. I asked why I ca n't speak to a supervisor at her location in Pennsylvania based on her caller id. She stated she too is in SC and refused to transfer me and hung up.   I dialed back once more and another female answered and also refused to allow me to speak to a supervisor and hung up on me.   I have searched the internet and I am unable to locate a website for  Alliance Group and Associates and I  question their collection practices. I believe they are deceptive and are not following federal regulations or treating me respectfully or fairly. I feel harassed and with this experience, they have violated the following  : 1. My request to not be called on my cell phone further 2. The TCPA has been violated by calling my cell phone multiple times with an automated dialer 3. They refuse to allow me to speak with a supervisor and hang up on me continuously 4. They did not give all required disclosures ( call recording and mini-miranda ) 5. They are using spoof caller-id numbers to misrepresent themselves as a company local to Pennsylvania - and for no reason ... I live in Florida even though my cell has a PA area code 6. They are making outragesous threats to garnish my wages which is excessive and not permissible

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 02/27/2018 about Debt collection (Other debt) with ERC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debit was removed from credit report between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX received another debit collection letter from ERC for the same debit. I never sign a agreement with ERC. This debit with ERC is not my debit and should be removed from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Student loan (Private student loan) with SLM CORPORATION (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: In dealing with  Sallie Mae Student Loa ns, I have repeatedly tried to tell them that I could not make my $ 600+/month payment. I have asked repeatedly for options in the past and have asked the company disclose ALL relief options to me. Representatives were unwilling to disclose options to me because they " ca n't '' or claimed that paying the full past due amount was my " only option ''. It was n't until recently when my account became so past due to the point of nearly charging off that I was actually able to get some sort of disclosure for options but because they did not give me this information in a timely manner, I have a smaller window of time to even make a decision which is not fair on my end as a consumer. Also, this morning, I received a phone call at  XXXX  from  XXXX   XXXX   , a  representive fro m Sallie Mae a nd this is outside of the hours that a debt collector can call.     I 've also had bad experiences with  XXXX   XXXX  and the use of aggressive verbiage as an attempt to scare me. He was notified within the last week to not call on my account as I am working with another agent in another department, yet I am still receiving calls from him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is refusing to investigate, verify and remove some accounts from my credit report/file that do not belong to me.

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 10/29/2015 about Debt collection (Medical) with Skagit Bonded Collectors, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XX/XX/XXXX, I discovered that I have been a victim, and continue to be, of identity theft. over the course of the past nine months, I have had to dispute ( as fraud ) a plethora of trade lines, liens, foreclosures, collections etc. through all three of the credit reporting agencies ; XXXX, XXXX and XXXX. As of today, there is still a few companies left that vehemently refuse to remove my fraudulent debt with them even after numerous calls, over 20 x 's disputing with XXXX even though it has been indisputable that these collections are of a fraudulent nature. The name of the company is Skagit Bonded Collections. 

After speaking with them numerous times, it appears that these XXXX collections are medical bills that were apparently charged from a hospital in a town our county to which I have never frequented. even though I was a resident in the state of Washington from XX/XX/XXXX - XX/XX/XXXX, the name and previous addresses that they have on file do not match me. I have never lived at either of the addresses they claim and the debts are apparently under my name with the suffix of XXXX attached. I have sent them and the reporting agencies my passport, driver 's license, social security card and proof of current address to no avail. They continue to insist that this debt is mine and subsequently each time they report such to XXXX, it then changes my name to XXXX. I have disputed these collections every few weeks for the past 8 months and it still sits on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Debt collection (Medical debt) with BC SERVICES, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I submitted original complaint to company on XXXX XXXX ; XXXX responded saying " Consumer Financial Protection Bureau RE : Complaint by XXXX XXXX - Complaint # XXXX Dear CFPB, We received the complaint from XXXX XXXX submitted through the CFPBs website and we appreciate the opportunity to respond. XXXX XXXX indicates that the balances for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX were previously paid. XXXX XXXX XXXX XXXX XXXX listed XXXX XXXX account on XX/XX/XXXX and we sent our first notice on XX/XX/XXXX. We also sent a second notice on XX/XX/XXXX with no response. XXXX XXXX XXXX XXXX listed XXXX XXXX account on XX/XX/XXXX and we sent our first notice XX/XX/XXXX. Two subsequent notices were also mailed to XXXX XXXX in XX/XX/XXXX with no response. Our investigation finds that XXXX XXXX accounts were both billed to his insurance, but were not paid in full as he did not have medpay insurance for this automobile accident. We have been advised by the original creditors that the balances on both accounts remains due. The XXXX XXXX XXXX XXXX XXXX bill remains due and owing in the amount of {$1000.00} and the XXXX XXXX XXXX XXXX XXXX bill remains due and owing in the amount of {$3600.00}. If XXXX XXXX records reflect the accounts have been paid in full we welcome him to provide the proof needed to verify the accounts are paid. We are here to assist XXXX XXXX with resolution of his accounts and accordingly if he has any questions we welcome him to contact us directly at XXXX. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX ; I would appreciate if I did n't have to wait several years for this to simply fall off on it 's own ; however given the circumstances of my accident ( Which was not my fault ) I was told several times that this was handled and taken care of ; If it 's infact true ; that original creditors attempted to bill my insurance ; the other driver should have been billed my medical bills as I was in an unfortunate accident which was not my fault. 

I would like to request that you remove both of these from my credit report ; I am happy to wait the time frame as well if there 's no other options ; however I 'd appreciate if you dig into this case a bit if you have that ability so that you could see the reality of the situation. My passenger ( Climbing Friend ) had all of his medical bills taken care of and has never had any issues ; so there should be no difference with myself. 

Please remove this.

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 01-10-2017 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a second loan with Ocwen who referred my loan to a debt collector XXXX XXXX. I had been trying to do a short sale on my home because I can not afford to keep it and since the first loan is getting a complete pay off the representative from XXXX will NOT release my debt unless they too get paid in full. Ocwen has refused to talk to me and they keep on referring me back to XXXX. I have asked XXXX to show me proof of debt with them BUT they just keep on giving me the run around. Please help me move forward with the sale of a home that I can not keep and I do not want it to go into foreclosure. Ocwen # XXXX per XXXX customer service because OCWEN will NOT talk to me, XXXX ref. I.D # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with SYNCHRONY FINANCIAL (FL).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: The following inquiry is Unknown SYNCB/WALMART PLCC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # XXXX SYNCB/WALMART PLCC XXXX. XXXX, XXXX Unknown inquiry, please delete

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 10/22/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I co-signed for a {$6000.00} loan for my son on XX/XX/XXXX. When he failed to make his payments, I paid the loan off in full in the amount of {$7000.00} on XX/XX/XXXX. since that time, I have been harassed by Fedloan Servicing through repeated phone calls and letters that threaten to garnish my wages, report me to credit bureaus, and to assign litigation, even though I have talked with representatives many times by phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/19/2016 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (LA).
Issue: Managing the loan or lease

Complaint: I had a loan with TD auto finance. I refinanced with XXXX XXXX XXXX XXXX. XXXX XXXX sent TD a check to payoff the loan and they have proof that the check was recieved by someone at td on XXXX XXXX. Since then they have not cashed the check and they are trying to get me to continue paying them. I 've called them multiple times and they ca n't seem to figure out what happened to the check. I showed them the proof it was recieved and they keep writing a note on the account to research the problem. That 's all they ever tell me. They even spoke to carter federal and admitted to them that their cashiers department is backed up. Well here we are a month later and in 4 days my account for td will be 30 days over due and it will be reported to the credit agency. I have excellent credit and I do n't want it ruined because of a company 's incompetence and failure to cash a check and post it to my account in a reasonable amount of time.

Company response to consumer: Closed with non-monetary relief