milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-11-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I am a victim of misleading and predatory incompetence by the servicer of my mortgage loan, Carrington Mortgage Servicing. I have NEVER missed a payment over the last 10 years on my property. For some reason in XXXX when I mailed in my payment, the check was not cashed. I mailed in XXXX and the same thing happened. I was proactive and called to find out what was the matter. No one knew for sure, but they guessed it was because the address changed and I mailed it to the old address? I STILL DO N'T KNOW FOR SURE. 

I continued to follow up to solve this problem with Carrington and I was told that I need to send in a cashier 's check for {$3500.00} in order to reinstate the loan and put me back in good standing. I did this, but after Carrington received this THEY SENT IT BACK???? And now they are putting me in foreclosure??? What kind of scam is this company running? I have always made my payments, I have the money to make the payments, Carrington tells me how much I owe them, I send it in, then they send it back and file foreclosure paperwork against me. This is definitely NOT OKAY. 

I have tried repeatedly to get this situation resolved, I have tried to speak to a supervisor but I have not made any progress. I am stuck in a bureaucratic hamster wheel ; no matter how many times I call to fix this I can never get a straight answer or talk to anyone who can actually fix the problem. 

I need this problem resolved. I bought this home in 2006 for my children to live in ; it is currently occupied by my grandson and his son. I would like to add that I am a veteran of the United States XXXX. I served XXXX years, I worked for a government XXXX. I do volunteer work to help out with our XXXX and the XXXX XXXX. I have been an upstanding citizen and always paid my bills on time. I simply ca n't believe that due to the incompetence and misleading and predatory actions of the agents at Carrington Mortgage Services I have a house that is in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My father died on XXXX XXXX, 2015 and left XXXX mortgages in only his name on his home that he lived in with my mother. There was no estate formed before he passed and as well the new York surrogates court is still taking a very long time to appoint myself and my mother as executors so that we can proceed to hopefully loan mod the home so my mother can stay there ( as she can not afford to move elsewhere and pay increased rent ). I have now gotten a foreclosure notice from ocwen ( since my mother has lost more than 50 % of her income and can not keep up with the mortgage payments without my fathers income ) - I have called ocwen SEVERAL times asking them to hold off on foreclosure or to work with my mother and myself on a loan mod ... .they refused and told me " its not their fault that my father died without giving authorization for ocwen to speak with me first ''. This type of treatment is a total outrage ... my father is DEAD and we are simply trying to make sure that my mother has a roof over her head, does n't have to sell off our memories, and do right be ocwen by working something out that she can afford. This type of treatment is totally unethical and I demand attention to this. We may not have letters of administration from the surrogates court for 2-6 months! how can we just let the home go into foreclosure if ocwen wont speak to us in the meantime?!?!?!?!!?!?!?!!?!?!?!!?!?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (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: Equifax was asked by myself and XXXX card to remove XXXX hard inquiries off my credit report. I sent the letters I recieved from XXXX verifying this request. There are two letters from XXXX. From this date X/X/17 they have not been removed. We started this process in XXXX of 2017. I am demanding the removal of these items on the forms attached.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This is the letter I wrote to SLS ( Specialized Loan Servicing ). I have called and spoke with various people for hours, had difficulty understanding the increase in my mortgage, was not provided with a clear explanation. They do not allow for call backs to me during work so I have to hold. They finally told me it would take them 6 weeks to get an explanation to me for why my monthly due has increased all of a sudden by {$200.00} ( almost exactly ) a month. 
See below -- -- -- -- -- -- -- -- -- Dear whomever it may concern at SLS, I have contacted XXXX representatives in Customer Care this week by phone ( week ending XXXX/XXXX/2016 ). There has been an increase in my monthly statement balance beginning XXXX/XXXX/2016 of {$200.00}. I was originally paying {$720.00} and the XXXX/XXXX/2016 statement showed a " Total Amount Due '' of {$920.00}. 

After not receiving a clear explanation from Customer Care, I spoke with XXXX in the Executive Services Department. She advised that this was due to an increase in the Amount Due for Escrow ( for Taxes and Insurance ). Before XXXX/XXXX/2016, the Escrow Amount Due was {$71.00} and for the XXXX/XXXX/2016 statement, the Escrow Amount Due was {$270.00}, a {$200.00} increase per month. 

I want to know what is the reason behind such a high increase per month. Is it an increase in property value, property taxes, insurance, and if any of the above, why? I believe I have a right to an explanation and a right to see the breakdown information supporting this {$200.00} increase per month. 

** Please advise immediately. 

** I have a right to a clear explanation and do not wish to be charged this amount for the XXXX XXXX, 2016 statement, unless I receive a comprehensive explanation. 

Other relevant information : my loan servicer changed and my loan was transferred to Specialized Loan Servicing ( SLS ) from XXXX XXXX XXXX ( XXXX ) in XXXX 2016. My Escrow Amount Due for XXXX/XXXX/2016 was {$190.00} when my loan was first transferred, my Escrow Amount due for XXXX/XXXX/2016 ( the next month ) was {$71.00}, and my Escrow Amount due for XXXX/XXXX/2016 was {$270.00}. 

Thank you.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: I am asking that the 30 day late negative placed on my credit report by XXXX XXXX XXXX be removed. When I received my first bill ( TFS Account : XXXX ), I paid my bill online and setup autopay to ensure that a timely payment was delivered. For whatever reason, XXXX website did not process my payment. Upon learning that my payment did not go through, I tried to pay my bill online through XXXX website 2 more times before I gave up and started paying though my XXXX Bank bill pay. I have since setup automatic payments through XXXX and have had no issues thus far. Attached are files showing my attempted payments as well as my banking statements showing ending daily balances. There is no reason the payment should not have been processed. 

I take great pride in my credit history and ability to repay my obligations. As you can see from my attached credit report, I have no other occurrences of bills not being pay on time. Further, in this example I made multiple attempts to use the XXXX provided service to pay my bill only to be rejected. Given this is my first time purchasing a XXXX and using XXXX financial services, I am extremely disappointed to be writing this letter.

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 01-11-2017 about Debt collection (Medical) with Audit & Adjustment Co. Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Do not owe audit and ADJUSTMENT a penny. Never signed a contact with them, Dont know who they are. They listed a derogatory remark on my bureau and also listed it as medical which is againt HiPAA regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I graduated back in XX/XX/XXXX with my XXXX in XXXX. Starting in XX/XX/XXXX I started with the loan that I currently have ( Was once known as XXXX now they are Navient. ) At the time I had no job but had a sum of money in the bank. So in a sense I should have been able to have been given options to replay my debt. They forced me into forbearance since I did n't have a steady income or job. The one I applied for stated that interest would not be charged but my debt increased overtime and now I have applied for forbearance again ( since I was not presented with any other options in my case ) but with interest on top. 
Also - I have received these " statement update '' emails from them. They were extremely vague, so much so that it was n't until nearly XXXX months later in the year of XX/XX/XXXX that I found out I was overdue in payments by XXXX months in which I had no choice but to file for forbearance for. Just recently they started to deduct points from my credit score. What is strange is that they have never done this XXXX XXXX. Actually no info about my loans showed up in my credit score until RECENTLY AFTER I applied for a forbearane with interest on top. In all of the time I have been with them, they never reported, even during the few times that I have let the due date roll by due to very vague emails. 
I also never received phone calls unless it was the above issue. Ever since that has happened, I have had XXXX phone calls, quite a number from them, from other credit services and more. Now I am close to {$70000.00} in debt, in a forbearance that will add even more interest to that amount and simply very confused about my options because now that loan company is getting sued/in the process of it and would like to know my options. I am living check by check while doing freelance work in my field. I am working towards my goal but with this huge debt and the very little options they presented with me, I do n't think I will be able to live at least decently for a while and that scares me. I would like to know my options.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (NY).
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 tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX and XXXX  with supporting documentation showing that you guys are reporting differently to from XXXX  to XXXX and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate

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 01/17/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Other fee

Complaint: I have a secured card from capital one bank and when I signed up it had an annual fee attached to it. Now on the capital one website it says there is no annual fee for the secured card that I have. They are still charging me an annual fee even though they no longer do for that card according to their website. They would n't budge on the issue when I called even though they 're offering the no annual fee on new cards. I am being overcharged for the service that they now provide with no fee.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Money was not available when promised

Complaint: I send money through moneygram here in california going to my sister to XXXX XXXX, when my sister got the check issued by one of the locations in metrotown XXXX XXXX she deposited the check to her own bnk acct. to her surprised, the check bounce and was charge for that, we tried callng moneygram they kept promissing my sister and me to wait until investigation is done, how long will it take for us to wait? Pls help.the amount of money sent is XXXX usd which was transacted last XXXX XXXX,2017.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2017 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am contesting the account with XXXX/XXXX XXXX XXXX. It is an account that was opened without my consent. It is showing a balance of {$0.00} with a {$0.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 0 % usage. I need Experian and XXXX XXXX XXXX. to correct this account on my Experian report. I should not owe XXXX XXXX XXXX. anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too. Please report positive.

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 01-09-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (HI).
Issue: Other transaction problem

Complaint: I purchased XXXX dollars worth of ethereum prior to having my account closed by coinbase.com. I have been locked out of my account and am unable to recover my funds. It has been weeks since I have heard from customer support, and when they did respond it was n't related to the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have been divorced since XX/XX/2007 and it appears on my credit report that my ex husband is my spouse or my co-applicant. I have attach my divorce decree.

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 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX, I paid XXXX XXXX XXXX XXXX ( XXXX )  approximately {$70.00} for a charged off checking account I discovered. In XX/XX/XXXX, I discovered that XXXX had falsely reporting the account as " LATE '' every month although it was paid in XX/XX/XXXX. I called XXXX in XX/XX/XXXX to ask them to fix the error. I was directed to file a dispute with the credit bureaus. So I filed a dispute with all three credit bureaus in XX/XX/XXXX. In XX/XX/XXXX once the dispute was completed the false reporting was still present. I called XXXX again today. I was told the reporting is accurate by XXXX a XXXX collections employee, which led me to seek further assistance from CFPB. There are almost 50 false reports of a late payment on my credit report for a {$70.00} charge off that I paid in full years ago. This is hurting my credit immensely. XXXX should be held responsible for not resolving my credit dispute within 30 days, if not for the years of false reports.

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 08-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: We had fraudulent activity on our account. I contacted Bank of America and they would not credit the charge back or do any investigation. The did provide the sales receipt & the charge was made at XXXX in XXXX TN. The receipt had the phone # of the store & I spoke with the manager. She agreed that it appeared to be fraud by an employee and the amount was credited back. I then contacted Bank of America on XX/XX/XXXX @ XXXX we spoke with XXXX and closed the account. We got a notice on XX/XX/XXXX on regarding changing the terms of our credit, the 4 page notification did not contain a phone # you could and why would you receive a notice on an account that should not exist. Luckily I kept the records and was able to go back and retrieve my account # and a phone #. When I called I was on hold for 16 minutes and they asked for the 4 digit security # on the back of my card. I explained, when you close an account you cut the card up. They then said they had to speak with the primary card holder, Iadvised my husband was out of the country ; they said they could not do anything unless they spoke with him. I told them he spoke with them before on XX/XX/XXXXand they did not honor our request. He will call  AGAIN when he gets back to USA. In the meantime I have lost about {$200.00} in wages by tracking the  dispute and trying to get the account closed.

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 10/31/2016 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt collector has called me stating I owe money from an incident in XXXX XXXX. The debt collector called me in XXXX XXXX about this. My concern is statute of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX ACCOUNT XXXX AND XXXX XXXX ACCOUNT XXXX are improperly reporting on XXXX XXXX and transunion credit bureausXXXX ... ..WAS INSURED BY XXXX and was covered at time of service.XXXX ... ... was covered by XXXX XXXX ' XXXX XXXX XXXX ( my mother ) at time of service.I have enclosed the XXXX policy card and the verifications by XXXX and transunion.these debts should not be on any credit file as they are insured and the result of error.

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 04/25/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Financial Credit Service, Inc. (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I got a call from a company called Asset Recovery Associates or  ARA c laiming that in  XXXX  i opened a credit card with a company called Express and i stooped paying them in  XXXX , the original amount was {$5000.00} with interest and fess its {$15000.00}, but they are willing to take to original amount of {$5000.00}, i told them to give me 24 hours to make sure i owe the money or come up with the money, the response was  u need to pay  us {$1500.00} over the phone today or we will put a lean on your house, i asked for explanation, i Called The FBI and they recommended to file a scam report with you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recieved a fake collection letter from Enhanced Recovery Company LLC, asking me to pay an amount I do not owe, for an XXXX XXXX XXXX phone account. I have an active XXXX account and am in excellent financial standing with them. The letter has the following logos on it, clearly pulled from internet image searches ; XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, and XXXX. It appears to be an attempt to gather more private information, such as phone number and banking information so that a person could be harassed by this company until they pay, then have money stolen right out of their own bank accounts. Please do not contact these people or give them any information about yourself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX XXXX I changed my Cell phone services from XXXX XXXX XXXX to XXXX. As a result there was service and discontinue contract charges totaling over XXXX. I paid some then got contacted by a collection agency of XXXX XXXX XXXX in XXXX. I settled the debt with them for like XXXX. They assured me that they marked the debt is paid off by an agreed settlement. Early XXXX I got a call the same collection agency requesting to pay some {$550.00} for a debt to XXXX XXXX XXXX. they explained its for the cell service. I explained and they looked up their notes and confirmed that I settled and not to worry about this ever again since they will take care of this balance. Here we go in XXXX I get the same collection letter, from a different collection agency this time. And they told me that they have no notes about this account being settled and I have to pay {$550.00} now. ERC collection XXXX. Ref # XXXX. They did n't care of what I have to say. I need XXXX XXXX XXXX to stop assigning this account to different collection agency. I am XXXX and they continued to harass me for the last 3 years. When is it going to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed