milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/23/2015 about Mortgage (FHA mortgage) with U.S. Home Capital, LLC (NJ).
Issue: Credit decision / Underwriting

Complaint: The Lender U.S Home Capital, LLC. XXXX XXXX, XXXX XXXX, NJ XXXX owe me a refund of {$2900.00}, this money was paid at closing for Upfront PMI. I found out in XXXX of this year that my mortgage was not insured with the FHA, I contacted XXXX Mortgage which was the lender that my mortgage was sold to a couple months after we closed. I contacted XXXX Mortgage, they 've acknowledged my claim was legitimate and a refund was issued to me for all the monthly PMI payments that was posted on my account. The last time I spoke to U.S Home capital XX/XX/XXXX, they had promised to request {$2900.00} from HUD, and now they wo n't return my phone calls, emails, I 've made numerous attempt to resolve this matter peacefully, it has been four months, they still have n't giving me the status of my refund.

Company response to consumer: Untimely response
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a foreclosure with XXXX XXXX 4 years ago and they continue to report it as a missed payment every month even though the house was sold 4 years ago so on my credit report it looks as though I 'm still missing payments and in arrears

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 09-09-2016 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2016 Plaintiff accepted {$47000.00} in XXXX funds to fully cure Homeowner 's reverse mortgage arrears for unpaid taxes and homeowner 's insurance. Prior to this payment, XXXX 's home was sold at a foreclosure sale on XXXX XXXX, 2016. The purchaser of the property was the mortgage lender, XXXX. After the sale lender and the State of Florida entered into an agreement whereby the lender agreed that in exchange for full payment of XXXX funds to cure homeowner 's arrears, including all fees and costs, lender would vacate the final judgment, reinstate the loan and rescind the foreclosure sale, restoring title to Defendant. Notwithstanding, lender now seeks possession of the subject property and is intent of dispossessing homeowner of her home

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Shopping for a loan or lease

Complaint: I did not give permissable authorization for XXXX XXXX to request my credit report for a vehicle loan nor did I need or apply for financing from Capital One Auto Finance. The actions taken by this company is fraudlent and I hereby warn and give orders to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a single dollar from this affliation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: While we were parking, we were hit by another party, and their insurance agreed to cover the damage of our vehicle. During the day of pick-up, the collision repair company asked three more days to complete the repair. This means three more days of car rental from XXXX. This was supposed to be covered by their insurance company and nor our expense. They never paid for those extra days despite several attempts. After sometime, XXXX forwarded the bill to a debt collector. We paid for this car rental just to deal with the matter. 

I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from XXXX XXXX XXXX still showing which dropped my scores significantly. This collection was placed on my credit in error as I had no financial obligation to the original creditor. Since this is still reflected on my credit I feel this is predatory in practice. I would like this collection removed from my credit due to erroneous collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Student loan (Federal student loan servicing) with GREAT LAKES (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: This is the second time I have requested a reduction in payment from Great Lakes and received a notice 2 months later that my payment was over {$100.00} more than when I submitted. It turned out the first time XX/XX/XXXX they lost my paperwork. I had to reapply, all the time the interest continues to build.I am having this problem with Great Lakes again. I contacted them very upset. The agent took my information, saw my application sitting in the system and did something to cue it. Again, interest still adding up. I received a phone call from someone who identified themselves from Great Lakes who offered me a year payment of {$1400.00} per month which was lower than the {$1500.00} I was paying. This was a major expense and many times left me without money to pay utility bills and buy food. In XXXX, XXXX my husband had a XXXX XXXX. His company outsourced their tech services and the technicians were picked up but at a cut of {$10000.00} less in their salaries. I contacted Great Lakes again in XX/XX/XXXX as I was not able to make the payment. The agent asked me if I thought of submitting a reduction in payment application or whatever it is called and I told her that I did that last year, but the effort and annoyance only yielded me {$100.00} less, barely. She gave me an estimate over the phone based on the information I could provide which was significantly lower than what I was currently being asked to pay. I had the paperwork of everything she used to get the estimate, so my numbers were accurate. Again, I submitted my information and on this past Friday received notice from Great Lakes that on XX/XX/XXXX my payment would be {$1500.00}. I sincerely believe Great Lakes is intentionally causing significant interest accumiliations on my student loan account. As it is, my account has swelled significantly since dealing with them. I am so disgusted with them. No company can be this inept and continue to operate millions of dollars. How much has their inability to process my request cost me, twice over, in interest costs. The fact that I have another student loan separate from this one allows me to receive a reduction. I am not even able to complete my doctoral work because I have taken my all of my classes less 1 credit which I need when I defend my research findings and need to finish my dissertation but the student loan system does not allow a stop on your loan if you don't take two courses. Now XXXX College is requiring you to be enrolled to defend your proposal and I can't afford with my student loan payments. 

I hope CFPB can help me to acquire doable solution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Century 21 Mortgage have a mortgage service center call PHH Mortgage that handles all their Mortgage. In around, 2010 I was delinquent on my Mortgage and they gave me a government program with a 2 % interest remodification and at the end of the the tax year I was sent a XXXX with around {$100000.00}. After I was paying my Mortgage on time for a while I was sent a letter with XXXX of checks I had sent saying the amount for mortgage has now change and I need to get in touch with the mortgage lawyer and and see how much I need to pay to be current I was tolded by the lawyer {$16000.00} of which I had about {$6000.00} money sent back by the mortgage company and being delayed in the mail. The mortgage company decided to work with me to become current sent all the document with the correct principal and amount we would pay monthly. We setup a separate account and wait for the direct withdrawal of the new mortgage to my surprise money sat in the account for XXXX months when we call the mortgage company that told us that their was an error on their part and they short the principal {$100000.00} which can only mean they are trying to charge me for the {$100000.00} they had already got credited for. I tried getting it resolved but the company kept changing the agents that I dealt with in the early years of the mortgage, so its hard to track to see when the figures increased and decreased on account of errors of numbers so now my mortgage principal is {$100000.00} over in valve and company refuse to remove the error so we can get our montly payment back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am re-submitting a complaint against a debt that I do not owe. Hunter Warfield ( Collection Agency ) and XXXX XXXX XXXX XXXX XXXX   ( Apartment Home ) will not and still have not provided the documents required to me by law. They state that they have pictures of the damage done to the wall of which they will not send and a move out inspection form that was signed by the leasing manager that states I did not owe any balance on move out. The refusal to send the documents shows that the apartment home and collection agency are keeping the information from me. I have attempted to resolve the issue with both parties and they both have given me false statements saying they will send the information I have requested. In my last complaint they responded with a copy of my lease and the bill ( balance of the account ). That information is not sufficient in proving that debt is mine being that a document was signed stating that I had a {$0.00} balance and the pictures they have will clearly show that the wall just needed to be painted. I was also to on the phone " As a one time courtesy the documents will be sent to you ''. First I have a legal right to any documents especially if it is associated with a debt that is owed. Second, painting an apartment is basic " wear and tear '' in an apartment. The bill states sheet-rock repair. If the pictures even actually exist you will see that there are no repairs needing to be made. Third, If they had this information why didn't they include it in the first complaint? At this point in time because Hunter Warfield or their client can not proved the documentation to prove that the charges and the damage are real I have reason to believe this is fraud.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing disputes

Complaint: Funds for a credit card payment where pulled and it was in amount XXXX over the amount owed on the card. I called Synchrony bank to get that money refunded back to my bank because the balance on the card was XXXX when the money was pulled leaving a negative balance on the card of {$350.00}. They refused to send it back to the bank and stated that they can only mail it through physical check even though all transactions up to this point have been electronically. I stated that I 'm currently homeless and that I do not have a physical address to mail it to. I then offered for them to mail to the bank and they stated that they ca n't do that either. I was told that their policy is not to send any fund electronically as it pertains to its consumers even though over XXXX % of their business is throuugh electonic transfer of money. The Credit Card agreement did not stipulate that funds had to be sent directly to a physical address for the card to be used.

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 08/14/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (IL).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I deposit {$4500.00} into a cash deposit for my girlfriend, and Sunday XXXX stole the money intended for my girlfriend, I went back to the Wells Fargo Bank to report to them that my money was stolen by a scammer who took my girlfriend money. I made a police report with the XXXX Police Department, as well with XXXX. I want this fraud be investigated and find those out there scamming people out of their money. XXXX 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 07/20/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX This company whom i have contacted repeatedly is doing hard inquires on my credit report.I have asked for them to be removed repeatedly. 
There is someone in Illinois where i lived 10 years ago sending in and applying for multiple credit cards. The above one is the only one who is not responding and keeps hitting my report. All other cc companies have removed inquires. 
thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Late fee

Complaint: I have a XXXX credit card. My payment due date was XXXX XXXX, 2015 - I made a payment on that day through their online credit card site. When I went to review that the payment went through the following day on XXXX XXXX, their was an acknowledgement of the payment and listed as " pending '', yet there was also a {$35.00} Late Charge fee - POSTED ON XXXX XXXX - the SAME day as my payment was made. I find this a disreputable practice in XXXX ways ... ( 1 ) They should not assess a late fee ON the Due Date - if anything it should be the day after. ( 2 ) The fact that a Late Fee is even posted to my account is a blemish on my credit record. I contacted their online 'chat ' service immediately and the representative stated that the Late Fee charge would be removed. I will follow-up & view my account online again on XXXX XXXX to ensure that, indeed, occurred. Overall, this is an unsavory business practice, XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/27/2017 about Debt collection (Other debt) with Acquired Assets, Ltd. (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: My name is  XXXX   XXXX  is  XXXX   XXXX  I entered into an agreement with a Reservation System for use by my company  XXXX   XXXX   XXXX . After setting up this system I was informed that I must use  XXXX   XXXX   XXXX  who operate  XXXX  a system for processing credit card payments.   However I was not happy with any of the systems thus I cancelled everything with the  XXXX   XXXX , the Merchant Services which includes  XXXX  within weeks of the original set up date.    XXXX  continued to collect money from my  XXXX   XXXX  Bank Account, I telephoned them every month to complain saying that my account with them had been cancelled they finally they told me to put my cancellation in writing which I d id ( letter a ttached. ) I made a complaint to my bank  XXXX   XXXX  and they told me that they could not do anything to help me.    XXXX  continued taking money from my account until I eventually decided to close the account and move to another bank.    XXXX  sent my file to a  Collection Agency Allen and Associates who tele phoned me and threaten me with "  ACTION  '' if I did not pay up. They sent me a letter dated  XXXX   XXXX   XXXX  to which I telephoned in response spoke to  XXXX   XXXX , who told me that they have documents proving that I owe money. I asked her to send me copies of any documents showing that I owed an money. I have not received any further communication from them until I hear from  XXXX   XXXX  that my credit record had been compromised.   I disputed the charges with  XXXX   XXXX  and have their letter in repl y ( c opy letter attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
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: I have asked for them to investigate account from XXXX XXXX XXXX, they continue to report inaccurate information. 
I have asked them to send me the information they received that was used to verify the account they refuse. i requested for any documents that bears my signature, they refused, i have asked for them to re - investigate. they notified me that the will not re-investigate. So they are still reporting inaccurate info. on my report in 1681i which provides, in relevant part, as follows : If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such 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 10-02-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (PR).
Issue: Account opening, closing, or management

Complaint: I have been directed to this agency, probably again about an original complaint that I made regarding a " Bank of America XXXX Litigation. " I was included in this Litigation process XX/XX/XXXX, because of illegal credit practices carried out in my credit card. I complained XX/XX/XXXX about these illegal practices and I was then given a claim ID : XXXX. 
Since then, I have recently received a letter from the Office of the Comptroller of the Currency XX/XX/XXXX, advising me that " your complaint appears to involve an issue that no longer falls under the direct jurisdiction of our office " ibid. OCCI do not understand why I can ' t receive a legitimate answer on a proper citizen request that I made against illegal credit practices on my credit card. Furthermore, I have been referred to various federal agencies that do n't seem to take charge of the situation and just answer the status of my original claim Id : XXXX. 
I would appreciate if this agency would just take charge of the situation so that I can obtain a final legitimate answer. Thank you very much, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech Financial/Green Tree Servicing received our check for final payoff of our loan on or about XXXX/XXXX/15. Now Ditech refuses to reconvey our house, refuses to pay us the amount that they owe us from our escrow account, and continues to demand more money from us. They declared a default on a loan that has been paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed inaccurate info on my credit file for XXXX with Experian for several years yet to this day the inaccurate info remains on my credit file which is hurting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: They called to inform me that an account of mine had been turned over to them. I was unaware of that being done and when I asked for a letter confirming it they said XXXX was sent out in early XXXX. I never received it. They have contacted me XXXX since then and both times I asked for written verification before agreeing to make payment arrangements. Both times they pretty much refused and the XXXX time I was referred to their website to sign in and see it online but I was unable to login at all after trying several times. The last time I was contacted I told them that until I received written verification I would not make payment arrangements, told them it was my right to do so and they were rude saying things like, " How do we know you will get the letter if you have n't gotten the last XXXX? '' assuming that I was lying about not receiving the first communication. No matter how many times I stated my right they still kept trying to get me to setup payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have received multiple letters from Dovenmuehle Mortgage demanding additional monthly payments of {$470.00} above my regular mortgage payment. The latest letter dated XXXX XXXX 2016 is hostile in tone with " COLLECT A DEBT '' and " BANKRUPTCY " repeated in the first paragraph. 

The extra payment apparently is related to a mistaken belief that we have no flood insurance, despite the fact that we have provided a copy of our flood insurance declaration showing effective coverage paid through XX/XX/2016 and called Dovenmuehle on XX/XX/2016 and XX/XX/2016 ( spoke to XXXX ). 

Dovemueller has acknowledged by letter and during telephone calls that we have flood insurance in effect but they continue to demand extra escrow payment. Can you assist in stopping this harassment?

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXPERT GLOBAL SOLUTIONS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Theres alot of unauthorized inquiries on my  XXXX  credit report from companies i dont recognize ...

Company response to consumer: Closed with explanation