milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CIT BANK, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage with Indymac bank which was bought by Onewest Bank Reo, LLC, my house entered in foreclosure in 2009, I received a offer from the bank to make 3 payments, after the last one we agreed to set a permanent modification, I made the on time payments by they returned my last one and I was told that they just change their maid despite that we had a signed agreement, after that unfair situation I keep trying to obtain a loan modification and they asked for documents that I sent accordingly, most of the times they responded that they did not received them, despite that we sent them by certified mail. In the foreclosure court their argument was that I did not qualify for modification but they never provided me with that information or the reasons for their denial, but the National Mortgage Settlement reinforces obligations on Onewest Bank Reo , Llc., to follow the HAMP guidelines, and in my case those guidelines never were followed, my house still in foreclosure and the bank did not submitted any information that justify my modification denial.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (Medical) with Transfinancial Companies, Inc (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This account suddenly showed up on my credit report XX/XX/XXXX. I have no clue as to where this debt came from nor have I received any notice of this debt prior to them reporting it on my credit report. It 's apparent they have my address to send me notification as I just disputed accounts with this company and they responded to my address regarding the disputes. According to my credit report, the date of 1st delinquency was XX/XX/XXXX but the debt was not assigned to this office until XX/XX/XXXX and did n't report until XX/XX/XXXX ( when I began disputing other accounts this company had reported and DELETED once I disputed them. I would think that a company must give some sort of nitification prior to reporting on my credit report. I am trying to achieve certain financial goals and I just paid XXXX accounts from the hospital I went to just to simply avoid any sort of credit reporting. Had I Gotten something from this company prior to them reporting it after researching the account with my insurance company as well as the hospital, if it where something I owed, I would 've paid it as well. This is obserd that companies are allowed to get away with this and it 's a constant battle to have to protect yourself against collection agencies that are out to collect no matter what the cost to a consumer. They can brake the laws and I 've had enough of it. I 'm reaching out to CFPB in an attempt to have this handled correctly. Not only do I expect the account to be removed but I want proof that this debt is even mine because I 've always had insurance and I find it very strange that suddenly a collection comes from your office when I disputed other accounts reporting on my credit report.

Company response to consumer: Closed
Consumer complaint received 01-07-2016 about Debt collection (Medical) with Receivables Management Partners, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Financial Control Services , LLC ( FCS ) is in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, FCS has violated the following provisions of the FCRA and FDCPA. 
FCRA : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) 15 U.S.C. 1681s-2 ( a ) ( 3 ) FDCPA : 15 U.S.C 1692c ( c ) 15 U.S.C 1692e ( 2 ) ( A ) I originally received correspondence from FCS of an alleged debt dated XXXX XXXX, 2015 ( Attachment : FCS Debt Notification ). I replied to FCS in regards to this correspondence on XXXX XXXX, 2015 asking for validation of the alleged debt ( Attachment : Debt Validation Letter to FCS ). I also requested that FCS " cease and desist. '' This correspondence to FCS was sent via United States Postal Service ( USPS ) using certified mail receipt and delivery confirmation. My correspondence was received by FCS on XXXX XXXX, 2015 by FCS 's employee XXXX XXXX ( Attachment : FCS Dispute Letter Receipt ). FCS provided correspondence dated XXXX XXXX, 2015 ( Attachment : FCS Dispute Response ) in response to my dispute notification. In the correspondence, FCS stated that they were ceasing collection efforts and removing the account from all consumer reporting agencies. 

On XXXX XXXX, 2015, I received a notification from my credit monitoring service, Identity Guard, that a new account had been placed on my credit report. This account was an alleged collection account reported by FCS with a balance of {$620.00}. This is after FCS stated that they were ceasing collection on this account and that they were not reporting the account to the consumer reporting agencies. 

FCS is in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) because they are reporting information that they know is erroneous. FCS is also in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) because they are reporting information after I sent them notice of the inaccuracy of this debt and they confirmed the errors. Additionally, FCS is in violation of 15 U.S.C. 1681s-2 ( a ) ( 3 ) because they have not annotated the account as disputed and are still reporting this disputed account on my credit reports. 

FCS is in violation of 15 U.S.C 1692c ( c ) since an employee named XXXX at extension XXXX contacted me several times after I provided written notice to FCS to cease communication. FCS is also in violation of 15 U.S.C 1692e ( 2 ) ( A ) by falsely representing the amount and legal status of the debt. 

As per evidence presented above, FCS is in violation of multiple provisions of the FDCPA and the FCRA. I request that FCS delete this tradeline from all consumer reporting agencies including, but not limited to, XXXX, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Debt collection (Non-federal student loan) with CITIBANK, N.A. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been in repayment of my student loan for almost 4 years now. Over this time period there have been many occasions in which I made payment but still received collection calls. After the first call I resolved the issue ( or so I thought ) but still receive repeated calls with the explanation that they ca n't stop calling until they resolve the problem. I receive calls every few hours with no end even after wasting hours in the beginning sorting out the issue. I believe the only purpose of the calls is so they can have a record that they attempted to collect the debt, not to actually help resolve the problem. I understand mistakes are made but this has happened multiple times without any apology or attempt to resolve the issue. If the error is the fault of the company I should never receive another follow up call if it 's taking them time to resolve. There was one situation in particular that I had to deal with a month of harassing calls every few hours daily because Citibank deposited my payment into the wrong account and they were unable to resolve the problem expeditiously or take me off the call list.

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 08-12-2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I had a loan with Citibank that was paid off in a short sale in XXXX 2011. 
Recently we attempted to obtain a new mortgage and were told that Citibank has been reporting us delinquent every month since XXXX 2011 and as recently as XXXX of this year. 
I have contacted Citibank dozens of times, sent pages and pages of documentation, talked to multiple service reps and they all say that they will get this corrected. It has been many months as recent as today, it is still on our credit report. Please help us to get this issue resolved. 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 non-monetary relief
Consumer complaint received 03/31/2018 about Mortgage (FHA mortgage) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: The mortgage has been in trial for debt collection, the house is not insure. 
Due to the problems problems of the developer and damage of construction, the problems with segregation, problems with septic tank, problems with inscription of the development and houses, the houses have no insurance. 

My ex-husband and I, the court and the bank went to mitigation and we qualify for a refinance or modification of the loan, but the investor from the bank said that the house DO NOT qualify for any modification. 

The bank remove the loan from the credit report due to the situation. 4 years later is back again. 
The house can not be used because of construction situation and fungus. The house ca not be sale because of legal situation and banks do not want to give loans to this development. 

This situation had damage my credit report.

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 10/20/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (MD).
Issue: Unauthorized transactions/trans. issues

Complaint: I am a rush card customer and on XXXX XXXX, 2015 rush card stole {$3000.00} from they can not tell me what happened to my money or when I will get it back. I spoke with a representative and she stated she saw where I had {$3000.00} in my account but she said she could n't see where it went. My account now has XXXX in it. I can not survive without my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I had to consolidate my loans early to avoid the misdispersment of my payments, also I 've requested smaller payments and they offered hold for 6 months instead and e-mailed me the info. I pay {$200.00} payments a month and somehow am still seeing my loan balance on my credit steadily increasing {$200.00} on average every month just due to interest which is ridiculous. I actually failed a few classes due to a XXXX and was denied when I requested additional grant and loan assistance. I also know my grades were incorrect in many cases due to a XXXX link issue at XXXX. My midterns and projects and homework were n't showing up as completed when I absolutely did them. I am near a XXXX GPA student even WITH XXXX full time quarters failling in all my classes. It is unjust and I hope to be compensated for my hassle and suffering. I am a single a parent and XXXX in need of a college degree to obtain a decent career and job.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Managing the loan or lease

Complaint: I have been a long time customer of Conn 's with a purchase record exceeding $ 40k. I have NEVER been 30-days late. In XX/XX/2016, someone in Conn 's AR department returned my payment to me BY CHECK, and then reported me to the credit bureau as being 30-days late. I wrote them several times and they still have me as being late although I returned the check to them stating that THEY can not make me late because of their error. I have since made another payment but they are still showing me late and the check has not been credited to my account. I feel they are deliberately trying to ruin my credit because I said how incompetent they are. 

Conn 's has the most incompetent accounting staff ever. Do not buy anything from them. The sales staff is excellent and they are in no way responsible for the horrific way the accounting is done. 

This all began when I paid an account off and accidently overpaid it. Instead of returning my money, they applied the overpayment to my open accounts which is not good business practice. This made varied accounts have different balances due than normal. I paid the full amount due and when I checked again the balance due was {$21.00}, so I canceled the {$130.00} payment and paid the {$21.00}. Conn 's had returned the {$100.00} difference in a check. Why, I have no idea. I am on a " 12-month, no-interest '' contract, therefore, payments in excess of the minimal should be expected, so why would the payment be returned? 

The problem is their ignorance and their attitude and that my purchase and payment history have no meaning. I have been tossed in the trash as if my reputation is something their incompetent staff have the right to tarnish.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In Regards to my USAA SAVINGS BANK # XXXX XXXX card, I notice my credit report states a remark of XXXX for every month starting XXXX XXXX. However, this account has n't been in dispute. To make it even more peculiar this account almost never even had a balance or any charges on it to dispute. Additionally, in XXXX XXXX USAA began reporting codes XXXX and XXXX, despite this account being in good standing since the date it was opened in XXXX, never having made a late payment or being in anything but positive standing. I was not notified the account was closed until the end of XXXX and never given a detailed statement as to why, despite my repeated requests. 

Furthermore, my online account access was restricted preventing me from viewing or seeing my past billing statements which USAA has refused to provide past or even current statements for this and other accounts despite repeated written requests. My initial requests for documentation were close to 120 days ago, well past timeline set forth by the fair credit billing act, truth in lending act and fair credit reporting act, in addition to those timelines set forth in regulation Z

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (GA).
Issue: Trouble during payment process

Complaint: I have a Mortgage with Penny Mac and I have been paying escrow they have been pocketing my money and not paying my insurance. I got a call from my insurance agent stating that my insurance was cancelled for non payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Applied for a modification, was told I have exceeded my modification limit. Second, was told when I applied that I was not delinquent with mortgage. I was on my second month behind. That is misleading, why in the beginning did they not tell me I was not a candidate. My yearly income is {$XXXX}. First time around they calculated into 4 weeks, now they want to divided daily amount. My monthly expenses are {$4700.00}. My wife has left me to care for XXXX kids with no help, they think it 's not a reason. I love my house and it 's not the best looking in the neighborhood. I 'm trying very, very hard to stay here and raise my kids. I need help and feel no where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Billing disputes

Complaint: On XX/XX/2016, someone acquired my credit card number and my personal information to purchase XXXX, at XXXX XXXX XXXX, Florida XXXX and then had the order smipped XXXX XXXX,,, ,,XXXX, XXXX XXXX XXXX XXXX and had it billed to me XXXX XXXX XXXX XXXX, Florida XXXX XXXX. It was charged to my XXXX card ending in 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 monetary relief
Consumer complaint received 12/20/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (IL).
Issue: Deposits and withdrawals

Complaint: XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois, Used the bank Wells Fargo to direct deposit illicit funds into other bank accounts

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (DC).
Issue: Trouble during payment process

Complaint: My mortgage servicing was sold to US Bank shortly after I purchased my home in XX/XX/XXXX. FIRST COMPLAINT : I have always paid my mortgage on time, never any late fees. Then, in XX/XX/XXXX, they began charging me {$25.00} in processing fees if I did not pay by the XXXX of the month. All other mortgage servicers do NOT charge late/ " processing '' fees unless you fail to pay by XX/XX/XXXX. I called them to complain. They told me that if I set up automatic bill payment, they would not charge {$25.00}. This, I always feel, is an invasion of privacy when forcibly coerced to do it ( i.e. do this, or we 're charging you extra fees ). I asked why they were doing this. I always pay by the XXXX of the month, as with all monthly. they said it 's because they outsourced the payment processor so they have to charge me the fee. Is n't US Bank Home Mortgage getting a serving fee anyway from Fannie/Freddie which entails part of my interest paid? SECOND complaint : this month they changed their online login to their standard banking login ( mortgage banking used to be separate ). Now, when I log in, ALL I can see is my balance. No access to my loan start/end dates, amortization schedules, anything else. You have to call them to gather this detail. This severely limits my ability to strategically plan my finances. I 'm concerned about the ethics of this firm. They do n't seem to care about the end user. They just want to make money. And now I ca n't trust them in correctly calculating my monthly payments / amortization since it 's no longer transparently provided.

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 03/18/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TN).
Issue: Fraud or scam

Complaint: Yes, around a year ago possibly 10 months, I had saw a firearm on a website used to trade and sell firearms ( XXXX ). To make a long story short I tried to purchase the gun and sent the guy money via PayPal. You can send money two ways one way ( friends and family ) that way does n't charge the seller any fees as it is mostly used to just send money and PayPal does n't back that. Second ( goods and service ) if you send it this way you will have PayPal protection. Well I sent it via friends and family as the seller had instructed so I could buy the firearm cheaper. Well it turned out the guy was trying to scam me, I tried to contact him for days and he would n't respond. He then sent me a check that had more money than I was owed on it. And wanted the difference so I was trying to be a good guy but ended almost being scammed again. I payed using my XXXX card and almost lost that money but XXXX actually fought for me. But I am still actually missing the original XXXX dollars I had sent. I tried for months but XXXX would not fight for me to get my money from PayPal. PayPal said they would give it back but XXXX just gave up. I need help in getting that back.. Please

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 05-12-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: 1. Been trying to get a history of all my payments, charges and any penalties since the start of my mortgage in 2003. Ocwen is showing I owe {$87000.00} on my loan. According to my calculations and the original amortization schedule I am showing I owe {$68000.00}. But they will only provide me 2 years of my past payments statements and none going back to my original start date in XXXX 2003. I have been asking for this for over a year and can not get my records. I have emailed them, wrote letters, and called Ocwen and nothing. I also called XXXX at ( XXXX ) XXXX and address at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX who I believe is the trustee for the investors of the loan and they said they would contact Ocwen and still nothing. 2. ) I have been trying for over a year to get a modification through Ocwen and they just keep coming back with more repeat information needed and I keep on resubmitting it and nothing to this date.

Company response to consumer: Closed
Consumer complaint received 06-06-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Problems caused by my funds being low

Complaint: I had been using my bank of america banking application along side the banks automated teller system to ensure that I was not using any funds that would make my account overdrawn. As of yesterday, when I had all but on pending transaction on my account, it read that there was {$20.00} in my account available, I checked the automated system and it told me the same information. Now, today I found that I have been overdrawn on the account. The bank even recinded the overdraft fees because they said it was a bank error, when I asked for the {$20.00} I would have had in my account back they said that I could file a fraud claim to get the money back. I then reminded them that I did state I made the charge and I would not be filing as that would have been fraudulent. The manager said that would be the only way to get the money back, which was really upsetting to hear the only way to get my own money back would be to do something illegal.Their system constantly tells me I have available funds, and I can not use the card for weeks and it will then change the amount available ( no newly posted charges will show either to explain those charges ) their fraud dept STILL has n't sent me any paperwork I needed for a fraudulent charge. I am very saddened by the fact that this bank constantly admits that their system is messing with our money, but refuses to do anything about it or to make things right for their customers as a whole. Especially since this would definitely be considered fraudulent activity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief