milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I refinanced our loan on our house about 3 years ago through Mortgage Company Y. About 1 year later our Mortgage was purchased by PennyMac, my current Mortgage provider. When our Mortgage was originally setup we did not have an Escrow account as both our property taxes and home owners insurance is paid by us directly. We do have PMI on our mortgage which both our original Mortgage provider and PennyMac pay from my monthly payment. 

PennyMac assumed they paid my home owners insurance so they cut a check on my behalf in XXXX XXXX. Then once their automated system saw that I had a negative balance, they assumed it was from my Escrow account that we never setup. This problem occurred when the mortgage was transferred to PennyMac, which they admitted and fixed. At no point in during my mortgage have I been late or stopped paying the exact same amount which was established at the beginning of this loan. However because of PennyMac 's error they charged me a late fee since my account showed a negative balance, this late fee causes issues because when their system pays my PMI, the balance continues to be negative. I have called PennyMac three months in a row trying to fix this in which they claim to do, but unfortunately each time I get a mortgage bill the error continues and they increased my mortgage payment, to fix the negative balance. During my last call on XXXX/XXXX/XXXX to XXXX at XXXX ( PST ). I was placed on hold for about XXXX minutes when XXXX said the insurance department was the only department which could fix my problem. I was placed on hold again for another XXXX minutes in which the individual who finally answered said they only deal with property tax and home owner insurance escrows. He looked at my account and said that I do not have an escrow account and that my insurance is good until XXXX. He apologized and said I would have to call customer service back. Funny Customer Service closed at XXXX XXXX, how convenient. I would like PennyMac to put loan amount back to its original amount which was established when I stated this mortgage along with crediting my account for all the late charges they put on it due to their mistake. Please help!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted Equifax and XXXX to remove unauthorized inquiries on numerous occasions, with the most recent time being XXXX/XXXX/XXXX. Both companies refuse to remove or even investigate the inquiries. I did not authorize the credit report inquiries for the following companies and I wish to have them removed as a hard inquiry on my record. I have attempted to contact those companies I could locate phone numbers for online but have been unsuccessful in reaching someone to help with this issue. 

XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX M XXXX XXXX/XXXX/XXXX Equifax : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (Non-federal student loan) with Williams & Fudge, Inc (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: They have continued to remove and add something into collections on my credit for over 6 months. When I have proof that it should be a balance if {$0.00}. 
I attended XXXX back in 2012 which put me at $ XXXX in student loans with them. I dropped out after my first year. They later got into a big lawsuit and I received a letter from XXXX which owns XXXX stating that because of the timeframe I attended and dropped out that my student loans are now at a {$0.00} balance and should be whipped off my credit within 4 months. 

However Williams Fudge had them in collections and after receiving the letter they were removed from my collection within two months. I was extremely happy. However for the past 3 months XXXX has continued to add it on my credit score and remove it only from XXXX tho. I called Williams Fudge and explained the situation and emailed them the letter I have. They said they would look into it that was two months ago. 

So last month I decided to dispute the collection with XXXX sending them the letter that I received form XXXX. It 's supposed to be completed XXXX XXXX. However Now it is showing on XXXX twice for $ XXXX each.. 

I 'm getting very upset about this and its effecting me and my wife 's chance of buying a house

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX. account closed and I made numerous attempts to receive shipping boxes to return XXXX boxes. XXXX kept sending them to a undeliverable address which were then returned to XXXX. I finally was able to return the tuners and have XXXX office receipts to prove items were mailed. Numerous attempts to contact XXXX resulted in letters of either credit or " No Payment XXXX ''. Subsequent to the letters of " No Payment Due '' I am now receiving Letters from " Credence Resource Management, LLC '' Excellence Beyond Belief, ( a debt collector XXXX that I owe {$27000.00} and on XX/XX/2016 I received an additional online Bill from Direct for an additional {$83.00} and indicating that the tuner was not returned and is being charged to me. Upon receipt of the correspondence from " XXXX '' I called to dispute the charges and request a full breakdown of charges be sent to me. As of this date I have not received any documents from " XXXX ''. Due to the numerous conflicting " Bills '' and subsequent " Credits '' that I have received I wrote a letter which was mailed on XX/XX/2016 to Direct Corporate headquarters in Colorado and California explaining my frustration with the process of attempting to close my account and return the tuner boxes. To this date I have not had the courtesy of a response other than the threat of " A Bill Collector '' being assigned to collect a debt that I DO NOT OWE! It has become abundantly clear that the transition of tuner returns and billing services from XXXX to XXXX XXXX XXXX has resulted in total chaos and and attempt to collect funds from disgruntled prior customers. A quick look at the number of dissatisfied on the " XXXX '' website will certainly convince any prospective customer to now avoid XXXX. It should be noted that the XXXX Customer Service that was once received from XXXX is no longer there. Full documentation will be forwarded.

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 12/14/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My current private loan payment is too high ( around {$310.00} per month. Some loans as high as 11 % interest rate! ) and they will not let me go into a reduced rate repayment program because I have a co-signer who refuses to cooperate. Instead I have to attempt to make this payment that I can not make and they will not accept a smaller monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (FL).
Issue: Struggling to pay mortgage

Complaint: I submitted a request to modify my loanXX/XX/XXXX to M & T Bank via XXXX XXXX XXXX because I was having financial difficulty. The modification was not completed until XX/XX/XXXX and the foreclosure process was initiated in XX/XX/XXXX. The loan company did not allow me to stop the modification process and enter to a re-payment plan. They stated that I was still in good standing and the loan modification was ready for completion in XX/XX/XXXX. However, the company continued the loan modification process requesting the same paperwork numerous times and allowing critical paperwork to expire. Missing documentation letters they claimed to have sent to me were not sent but manufactured after the fact. I have requested that a list of dates that requested documents were received and scanned to compare them to these documents. I believe it would show that the documents they claimed were not received were in fact in their possession. After assuring me I would not go into foreclosure, the foreclosure process had already begun. The company refused to send this info as it would show that the missing documentation letters were addressed in a timely manner and the delay was on the part of XXXX XXXX XXXX. When the trial modification was complete, the loan was higher than the previous loan I was trying to modify. I was ordered to pay {$470.00} instead of {$440.00} per month, a net increase of XXXX and I also have to pay {$4700.00} in foreclosure fees, which could have been avoided if the organization would have been able to process information for the loan modification.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The very company ( Equifax ) that is supposed to be protecting my identity ... allowed my identity to be stolen!

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: ON XXXX AND XXXX 2016 SOMEONE TRIED TO TAKE OUT CREDIT CARDS USING MY NAME BUT WAS UNSUCESSFUL SINCE THEN I HAVE NUMEROUS AMOUNT OF HARD INQUIRIES ONLY IN XXXX AND XXXX 2016. I HAVE SINCE THEN FILED A POLICE REPORT ABOUT THE SITUATION. I HAVE CONTACT THESE COMPANIES BUT HAVE GOTTEN NO RESPONSE FROM THEM EVEN THOUGH I HAVE A IDENTY AFFIDAVIT AND A POLICE REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: Experian appears to be systematically preventing online freezes after the hacking of 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 11/28/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: HERE IS ANOTHER LETTER PROOF OF LIES BY THE BANK XX/XX/XXXX FROM XXXX XXXX FROM THE EXECUTIVE OFFICE RESEARCH REMEDIATION DEPT EXECTIVE OFFICE AND SIGNED BY HIM OR HER IT STATES THEY RECEIVE A STOLEN OR, LOST NOTIFICATION AND ON XX/XX/XXXX THEY ISSUED A CARD ENDING ON XXXX WHICH I CLOSED ON SAME DAY, SECOND LETTER FROM XXXX XXXX AND SIGNED BY HER THAT ON XX/XX/XXXX I SPOKE TO HER AND STATED THAT THE ACCOUNT ENDING ON XXXX AND THAT IT WAS MY STEPSON AND THEY CLOSED THE ACCOUNT ON XX/XX/XXXX AND THAT A FRAUD CLAIM WAS FILE BY THEM AND THEY WHENT AND TRANSFER OVER 50 TRANSCATIONS TO IT ALDO THE ACCOUNT HAD BEEN CLOSE ON XX/XX/XXXX AND YOU HAVE THE PROVE OF THE LETTERS SENT BY THEM SIGNED AS WELL AND THAT WAS DONE. 
1- THE ACCOUN ENDING ON XXXX WAS CLOSED BY THE BANK ON XX/XX/XXXX THAT WAS NOT MINE EITHER AND THEY WHENT AND STATED THAT THE CARD ENDING ON XXXX ON XX/XX/XXXX AND IT WAS LOST OR STOLEN AND CREATED ANOTHER ENDING ON XXXX AND FOR 30 DAYS THEY DID AL THIS CASH ADVANCES AS WELL THAT WAS A LIE. I ALSO NEVER HAD THAT CREDIT CARD AND THE CREDITS REPORTS SHOW THAT THE ACCOUNT ENDING ON XXXX WAS OPENED ONXX/XX/XXXX AND THAT WAS ANOTHER LIE YOU HAVE THE PROOF THAT SOMEONE ON THE SIDE OF WELLSFARGO HAS BEEN LYING AND I HAVE FILED A LAWSUIT WITH THE SETTLEMENT PEOPLE. 

ALL THIS IS VERY SIMPLE ALL YOUR PERSONS SIGNED AND PROOF THAT THEY LIED AND HAVE THERE SIGNATURES AND I HAVE ATTACHED THE LETTERS.

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 10/23/2015 about Credit card () with CITIBANK, N.A. (MO).
Issue: Billing disputes

Complaint: under XXXX has charged me {$88.00} for nothing provided to me.Theybill it as a rewards benefit -- various fees etc.First bill was for XXXX the next for XXXX which incuded {$16.00} for a r4eturned item. I requestted them to cancel my card -- instead they are piling late fees and have ruined my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Medical debt) with NRA Group, LLC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've back and forth with these credit reporting bureaus, and they are just abusing and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass 12years I have not been able to achieve or get any promotion due to the false report of my credit files.

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 04-06-2017 about Debt collection (Credit card) with STONELEIGH RECOVERY ASSOCIATES, LLC (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: My complaint is quite simple, by law a collection agency must submit correspondence to let a consumer know that a debt they either acquired by ownership, or simply by proxy on a vast power of attorney process is no longer collectible. The attached letter from XXXX XXXX XXXX stipulate just that, and they have started to process of removing the XXXX collection from my credit report. A second company called XXXX XXXX XXXX XXXX stipulates that they purchased the debt from XXXX NA at the same time. They like XXXX can not enforce a debt that is considered non-collectible. So, if the debt is simply too old to collect, and the fact that XXXX can not collect, they sent the collection to a new collection agency called Stoneleigh Recovery Associates. This is the third collection agency that simply has no recourse to collect on an antiquated debt. XXXX XXXX XXXX XXXX shows no proof of ownership or collection proxy, then why is the very same account remaining on my credit report from any collection agency. This is an example where a collection agency is using my personal credit rating as XXXX to collect on an old account that has already been removed from my credit reports by the original creditor, XXXX XXXX. These collection processes are highly scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. It is a re-aging process on debts that have long outlived their usefulness to be maintained on credit. These collection processes are the main reason why even the FTC considers the national collection process broken. I know that the CFPB and its Director XXXX XXXX are before Congress currently on the usefulness of the CFPB, and I make the claim that it is the best recourse that an American consumer must fight the corruption that exist in the debt collection process by thousands of collection agencies that could care less about my constitutional and civil rights. This account as well as my personal information need to be purged and erased from credit immediately and permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2017 about Mortgage (Conventional home mortgage) with Servis One, Inc. (MI).
Issue: Trouble during payment process

Complaint: Dear Representative, It has come to our attention that our mortgage was sold to a new servicer. Our goal is to get the proper payment address and further assistance with a new loan modification. The payment made was returned for incorrect address given to us by the customer service line. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I was a victim of identity theft XX/XX/2014. I reported this to the credit monitoring service and they assisted me in placing an initial 90-day alert, and then an extended ( 7 year ) alert on my credit file. XXXX and XXXX placed the alert and included a consumer statement regarding the fraud. Equifax should have received the information and also implemented the fraud alert, but I later found out it was not implemented. I initially worked with a monitoring service to place the extended fraud alert, but Equifax only placed a 90-day alert. I became aware of this in XX/XX/XXXX when I received communication from Equifax. I contacted Equifax directly to place the extended alert, and provided them with the supporting information for the alert. Since then I 've received more requests for information, and when I provide the information I get another request. Some of the requests are for information I 've already provided. Talking with the Equifax staff is no help. It is a repeat of me providing information and nothing happening. 
I need for Equifax to implement the extended ( 7 year ) fraud alert with the consumer statement I 've requested. One reason is that there have been fraudulent attempts to get my credit file, so I need the protection from the potential fraud. XXXX and XXXX have handled this very efficiently, but Equifax has something seriously wrong in their process. At this point I 've received another request for information from Equifax that is for information I provided in XX/XX/XXXX. 
Any help you can provide in getting Equifax to meet the requirements of what they are required to do in cases of identity theft would be greatly appreciated. 
One additional thing to report. Equifax sent a letter by mail to my home but addressed to another individual that does not reside or have any ties to my address. I put the letter back in the mail without opening and marked it return to sender.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (FL).
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: XXXX XXXX is reporting I was late on my payment for 60-119 days, however, I was never late. The account was in deferment at the time while the balance was being transferred to a different lender. I have disputed this but was told they were reporting correct information. I asked for documentation as proof but never received anything. I would like for this company to remove the late payments from all 3 credit reporting bureaus, or better yet, remove this account completely from my credit report since it has been 6 1/2 years. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Transunion was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.

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 04-04-2018 about Vehicle loan or lease (Loan) with LOBEL FINANCIAL CORPORATION (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Every month I receive a letter from them stating that because I have no insurance on my vehicle they are tacking on an additional {$70.00}, I do in fact have full coverage insurance on my car and have never had a lapse in coverage. Every month I call and they tell me that they received a cancellation notice so I call my insurance company and they say theyve never sent one. In XX/XX/XXXX my car was hit and so I filed a claim with my insurance and they sent the claim to Lobel and they told me that the letter my insurance company sent was a cancellation, when I asked them to send me a copy of what they received they told me they cant because they dont have it. I have had to call my insurance company every month and ask them to fax my insurance over which they do, after Lobel gets it they say they received the wrong information but I always ensure they fax exactly what they ask for. Every month I pay my car payment either early or on time and every month they are threatening to ding my credit report because I refuse to pay the additional {$70.00} that they are tacking onto my monthly bill. When I filed my insurance claim my insurance company sent me a check that had both my name as well as the auto body shops name on it, when I was on the phone with Lobel the girl told me I needed to send them the insurance check, I politely told them no it goes to the auto shop and she told me if thats what you think

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