milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: XXXX XXXX, XXXX Nationstar Mortgage is refusing to give details as to some XXXX of unspecified charges that were added to our Mortgage. Our mortgage Balance is XXXX now when our first Mortgage note was XXXX 10 years ago. We were never more than 3 months behind on our mortgage thus there could never be XXXX in deferred interest. We realized the seriousness of the issue when we contacted Nationstar for a refinance and were told that there is a specified second mortgage on the house and that they could not refinance us, nor could anyone else. We do not have a second mortgage, we make XXXX payment. 

Sequence of events : XXXX XXXX : We had contacted Nationstar for some account research with an official XXXX request. They assigned a number XXXX. 

Representative XXXX XXXX in XXXX Tx began to investigate the issue and could not explain what the charges were except to say that they were added during a government sponsored making home affordable modification. 

On XXXX XXXX, XXXX she confirmed Nationstar does not have the actual details of the charges and that they were reaching out to the mortgage owner. I have attache said correspondence. 

XXXX XXXX stopped talking to us and everyone else can no longer see the case. XXXX XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX were all involved in or first mortgage origination and modification, yet they all seem to have thrown out all the evidence. 

We ask that the CFPB give XXXX XXXX a deadline to accurately detail the charges that build up our balance higher than our original note. This can not be called " deferred principle '' because we did not originate this amount. They need to describe each line item as a fee, penalty or differed interest and back up with the proper paperwork. If not done in a timely fashion, we ask CFPB assist in removal of this fraudulent amount. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Mortgage debt) with Fay Servicing, LLC (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX sold my loan to Fay Servicing ( about {$5000.00} left ).
Fay Servicing wants to add insurance to my loan amount for a home that is non-existant, just like XXXX did. 
They sent me a policy from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX Delaware XXXX 
The certificate they sent says the insurer must be licensed to operate in my state, I tried to get some kind of insurance, with no home to insure, and my insurance lady said there was no insurance company in Oregon that would issue such a policy. So I do n't believe XXXX XXXX XXXX. XXXX and Fay Servicing have the right to charge me for a homeowners insurance policy when there is no home. 
They are also putting any money I pay that is over the payment amount required into a non-applied account? I have requested on the phone and in writing that I want any money over the payment to be applied to the principal, but they do n't do it. 
They are stealing and cheating.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Consumer Loan (Installment loan) with Delbert Services (SC).
Issue: Managing the loan or lease

Complaint: In XX/XX/XXXX I took a loan out with Western Sky in the amount of {$2600.00}. I have since paid back over {$9000.00} to XXXX different companies, Western Sky, XXXX XXXX, and Delbert services. I paid what I thought was my last payment in XX/XX/XXXX and now I am getting calls from a company called the XXXX stating I owe another {$1600.00}. They are calling me at work after asking them not to, and calling my mothers home harrassing her and telling her she is involved and going to take her to court also. They told me if I do n't pay them in 3 days they will sue me. I need advice how to handle this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX, Equifax and XXXX XXXX, these agencies placed inquiries on my credit report more than once within less than 30 days, once a credit report is pulled once the company should not have to pull it again within 30 days. I only authorized this agency to do it once and again once the credit report report expires which was in 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: Today : I went to the ftc site to get information on putting a security freeze on my credit reports. 
Equifax 's online site told me my credit report was probably compromised so I tried to put a freeze on my Equifax report. My effort failed as their phone system put me on hold for an unreasonable amount of time. I went to the other credit bureaus ( XXXX and XXXX ) listed on the ftc site. One told me I had to submit a request in writing ; the other told me about fees as well as a complicated route to initiate a freeze. Please tell all three bureaus to streamline and simplify the credit report security freeze process.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XX/XX/XXXX I wrote to TransUnion to complain that they were inaccurately reporting the age of my credit history, specifically the age of my XXXX XXXX credit card account XXXX formerly an XXXX Bank XXXX account until XXXX bought Bank XXXX ). I received a response today which addressed only the history of my XXXX XXXX account, which was not in dispute. I then called TransUnion to try to provide additional information, specifically that I could prove that the XXXX credit account had been open for at least 11 years, and probably longer. ( I am waiting for verification from XXXX as to the exact date, but I have statements dating back to XX/XX/XXXX ) I spoke to a customer service representative named XXXX, who told me that while I had had several XXXX accounts over the years, each XXXX had been closed at my request. I told him that that information was incorrect, and reiterated what I had written earlier : '' The problem appears to originate with the fact that XXXX assigns a new account number at least every three years. XXXX XXXX probably does as well. In recent years, new XXXX account numbers have been assigned with even more frequency after hacking breaches were discovered at stores such as Target and Home Depot. I have no control over such account number reassignments, but it has always been the same account. 
I realize that this request may be of little importance to TransUnion. But I am annoyed by the fact that, after a lifetime of prudent financial management, my credit score is n't perfect. Would you please, therefore, take steps to correct your records? " XXXX response was far from satisfactory, even after I went into greater detail as to how, even when the account numbers were changed, pending charges and my XXXX rewards credits were carried forward to the new account number. He emphatically stated again that I had closed each account, and that TransUnion would do nothing to further investigate the matter. 

Other than frustration at not being able to change my score to a near-perfect rating ( according to XXXX, my TransUnion score as of today is XXXX ), this problem does not have any particularly negative impact upon me. But XXXX people who apply for car loans, mortgages and credit cards have their interest rates determined in large part by their credit ratings. It strikes me that credit reporting agencies such as TransUnion may very well be colluding with banks to intentionally lower credit scores in order that banks can justify the imposition of higher interest rates. 

Thank you for any help you may be able to offer concerning this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Debt collection (Other debt) with U.S. Collections West, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I discovered a collection account reporting on my XXXX credit report. I disputed said account with the credit bureau. a few days later, I received a letter in the mail from U.S. Collections West.along with a few documents alleging that I owe over {$5000.00} said documents have been altered .the matter grossly misrepresented. the creditor actually owes me a refund of my security deposit. I have evidence the creditor breached the lease. .I called the agency and explained in detail that the debt is invalid.I have sent certified letters to both the original creditor and the collection agency explaining my position. the agency has since verified said account on my credit report.I may have to pursue legal action to resolve this matter as the agency refuses to investigate further or remove the illegal account.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have never had an issue with this loan before it was changed to Heartland ECSI ( https : //heartland.ecsi.net/ ). Before they switched to their new absolutely awful website, that does not even work properly to make a payment, I was making my payments with zero issues on https : //borrower.ecsi.net/. That no longer works and I am forced to use their new XXXX website to try and make payments. The first payment I had to make on this new awful system was last month, and while it was an incredibly difficult to make the payment and I could n't even specify the amount I wanted to pay at least I could make a payment and view my loan information. This month however when logging in I was getting errors left and right, it would not pull up my loan information or let me make a payment at all. Oh their online chat service, does n't work. Ah I see they have a contact number ... which no one ever answers. This is frustrating and unnecessary for a company that makes money hand over fist to roll out a system for receiving loan re-payments that does not function. Let me repeat, it is highly unacceptable for this situation to exist, and I really wish this company would be punished for making it difficult to make payments on the loans they own. If my payment does not get posted today I may have to deal with late charges and potentially taking a hit on my credit score which I worked hard to build up, all because they rolled out a system without properly testing and ensuring it works and probably skimping on paying a company that knows what they are doing to build their new site.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with FLAGSTAR BANK, FSB (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Due to financial hardships, I had to file bankruptcy. Flagstar Bank was quick to close and tag it as " derogatory and closed ''. Causing detrimental harm to my credit score. I signed, filed and the Court approved the Reaffirmation letter in XX/XX/2016. At the time of this report, the account is still listed as derogatory and closed, and added a late payment to hinder the process of improving my credit. The late payment in XXXX was due to Flagstars ' refusal to accept my payment at my local branch, or online, and having to pay through a 3rd party provider for them due to the bankruptcy, costing substantial late fees and costs to process the payment. I have made several calls to XXXX, Michigan headquarters to find that XXXX XXXX isnt available, the XXXX in charge of these cases, and have NOT received a call back. First call was placed in XX/XX/2016!! I have filed XXXX disputes with XXXX to have them correct the issues, only to have it cause more harm, and still causing it to show as derogatory and closed, whereas XXXX took One dispute and is displayed and portrayed as correct. With NO derogatory comments or remarks. This is the last step per attorney advice, before filing an FCRA violation suit.

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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I live in a house in XXXX XXXX XXXX, Florida, and have been here since XX/XX/XXXX. I always pay mortgage on time, even during XX/XX/XXXX-XX/XX/XXXX period when over half the houses on my block were empty due to the financial crisis. In XX/XX/XXXX after Hurricane Irma my small business and house took on financial as well as property damage and I learned about contacting my mortgage company for a 90 day forbearance to get myself caught up. I called Mr. Cooper, who is my mortgage company, and had several conversations with their representative, who explained there would be no late fees and penalties for 90 days at which time I would be responsible for the amounts due, they even told me to try to pay what I could every month so that there would not be large number due, which I did. I am completely even at this time but they have put a mark on my credit score saying I've been late. when I contacted them they said they have no record of my request but that it does show I called in XX/XX/XXXX ... they have no reason listed for my calls ... .maybe it was about the XXXX XXXX! I have since talked to other people who have the same experience with Mr. Cooper..AKA Nationstar ... AKA XXXX XXXX XXXX , one of the largest bailout recipients. They're doing the name change shuffle. This forbearance is a federally funded program and I have a FHA loan. It's bad enough to go thru Hurricanes and loss of business, they should have told me they wouldn't honor this program and I would have borrowed funds from a friend or something else. Can you help or is this the way corporations are allowed to operate? Thank you for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AR Resources, Inc. (FL) (DC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX acceptance- {$8800.00}. XXXX XXXX {$570.00}. Dapartment of commerce- {$1100.00}. AR resource incXXXX  {$780.00} and hard inquiries i tryed contacting them no response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Mortgage (VA mortgage) with FIRST AMERICAN FINANCIAL CORPORATION (HI).
Issue: Trouble during payment process

Complaint: In  XXXX , I closed a mortgage with   XXXX   XXXX   XXXX   XXXX  . An additional {$5000.00} was transfered from  XXXX  to first American title company in escrow in a hold back status for a solar hot water heater improvement project. The project was never completed due to deployments. I recently contacted first American title to have the funds released since I now need to replace my hot water heater. They claim that they escheated the money back to usaa in  XXXX . They only supporting documents to back this up is an escheating report showing {$5000.00} and a bulk wire transfer of $  XXXX  to the unclaimed funds department of texas. I have been in contact with the title company, every department of  XXXX , all three mortgage management companies involved with my mortgage and  Noone  is able to locate these funds and release them to me. It has been 3 weeks without hot water in my home and I am at the end of my rope. I have been paying on the adjusted mortgage total that includes the {$5000.00} since  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Private student loan showing as in default/in collections. Chapter XXXX bankruptcy was filed 2 years ago and this item still shows up. Currently in process of trying to obtain approval to obtain a mortgage to purchase first home via VA loan and this is causing serious issues

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 09/26/2015 about Mortgage (Other mortgage) with FIFTH THIRD FINANCIAL CORPORATION (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a XXXX mortgage with Fifth Third Bank since XX/XX/XXXX. The loan amount was {$36000.00}. My monthly payment is {$260.00}. I have consistently paid more than the required amount. I am not delinquent and never have been. To this date, XX/XX/XXXX I have paid over {$27000.00} in interest and have requested repeatedly that the excess amount be applied to the principal. I was advised that interest is charged on a daily basis and that has to be paid first. My loan balance is still at {$34000.00}. My loan payment is due on the XXXX of each month and is considered late if not received by the XXXX. From what I was told from the bank was that even though my payments are received on or around the XXXX, that I am being charged interest for those days prior to the due date (? ). This is a terrible loan product and I have requested that my loan be modified to be fully amortized and was told that they do not do business in Arizona ... but yet, my home is in Arizona. I feel that this bank has taken advantage of me and still continues to do so. Their products are inferior and certainly not for the benefit of helping homeowners. Their lending practices are very unfair and unreasonable. I have asked for help but to no avail. Please look into this bank 's policies and procedures as it does not look good for just everyday working people that deal with this awful bank. Also, I am not delinquent and my interest payments are always on time ( their time ). This is not an interest only loan, although it sure looks and feels like it ... .just awful.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I recently executed a Deed in Lieu with Bayview Mortgage servicing ( XXXX XXXX had bought the loan from XXXX ). The date of the Deed was on, or about, XXXX/XXXX/15. I have heard nothing From the servicer or the Title Company since then and can not get them to record the document. 

I had kept the mortgage current for several years even though the property was " under water ''. By renting the home ; I was able to service the debt while still putting in additional cash. This situation became untenable when the loan became amortizing. I offered Bayview the opportunity to move the loan back to interest only and I would rent it and carry it for XXXX more years as the market recovered. They liked that plan but put my through the HAMP program. After months on information gathering, they determined the program was not available to me ... the reasons are still unknown to me. As the HAMP program only allows for interest rate reduction ( ( my rate was 2.75 % ) ; it did not provide me the relief needed to continue. The interest only model would have worked for both me and the Lender but I was told it was not allowed by the CFPB. 
Regardless, the best alternative for me was the Deed in Lieu, I am just looking for them to complete that process OR at least communicate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I 'm contacting your agency to understand why my account with Bank of America would be transferred to a collection agency and per the letter from the agency account is in a delinquent status. I understood only collection accounts are turned over to agencies for payment. The letter from the agency is dated XX/XX/2015 and Bank of America has just processed my latest payment to them on XX/XX/2015.Please advise

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2017 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Deposits and withdrawals

Complaint: My husband lost his bank card and didnt know it. Navy Federal sent my him a text in regards to a {$8.00} purchase and that was it. Once we were able to check our account there had been XXXX transactions conducted with his card and a pin number over the course of 3 days. This an account that my husband and I solely have for the purpose of us saving money. This is the only joint account we have and do n't use it on a daily basis at all. The XXXX transactions consisted of XXXX checks being written to my husband and deposited into our account. Of course it later came back that the checks were not legit. So at this time Navy Federal is saying that my husband and I are responsible for the estimated {$2000.00} overdrafts in our checking and savings account. Due to the fact that the transactions were done by a pin number they are basically saying that they have done their investigation and we are liable. The fact that checks were not signed by my husband, location of the transactions and the irregular amount of transactions conducted in such a short time frame was not taking under consideration. So almost every Navy Federal calls myself or my husband seeking payment for these fraudulent actives that has occurred to our bank account. I honestly believe that it maybe a Navy Federal employee who did this due to the fact that fake Navy Federal checks were used and that they had some way of getting my husbands pin number or even able to manipulate the system in to believe its my husbands pin. My husband did not write his pin number down or give it to anybody. He uses the same pin number for all of his accounts so there is no need to write it down which Navy Federal is assuming happened or that he gave it to someone. I his wife is the only other person who knows this pin number. So needless to say DO NOT TRUST NAVY FEDERAL WITH YOUR MONEY!!!! They have done absolutely nothing to help me resolve this issue but give me the run around and play games. I get new and different answers every time I call and they refuse to let me speak to a supervisor, investigator, or security personnel to help me understand how they came up with the conclusion in which they did.

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