milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2016 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: The client in this case remitted funds to his loan servicing company to reinstate his loan. The client relied on a letter from the servicing company which provide the total amount due to bring the loan current was {$44000.00}. The letter specifically stated that " This amount includes all past due payment of interest, principal and escrow as well as late charges and amount that we paid on your behalf. The letter is dated XXXX/XXXX/2016 and further stated that " in order to avoid foreclosure the client would need to pay {$44000.00} '' within thirty ( 30 ) days. The client remitted funds in the amount of {$47000.00} on XXXX XXXX, 2016 via certified mail. The tracking number associated with the remittance USPS ( XXXX ) confirmed that the servicer received these funds on XXXX/XXXX/2016. The client had requested a demand statement be provide by email but the servicer decline his request and no demand statement was issued regular mail. Later the servicer failed to honor the total amount due listed on the XXXX/XXXX/2016 letter, and is now demanding additional costs and fees and a total amount due of {$51000.00}. The servicer scheduled a Foreclosure Sale XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have negative items on my credit that is certainly not mines.and this is from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: My husband and I have been advantage customers with Bank of America NA since XX/XX/XXXX. One of the advantage checking accounts was suddenly closed down on XXXX XXXX, XXXX. I called Bank of America customer service and was transferred to XXXX other departments : Risk ID Support Center, Checking account Fraud Dept, Credit/debit Fraud department all which gave me no answer as to why the temporary freeze of the account. I spoke to different levels of authority and got only as far as to have a reference assigned # XXXX and that someone named XXXX XXXX in the Corporate Security Dept was to handle it. No one that I spoke to knew an extension number or was able to get a hold of that person or offer me any explanation as to why the sudden freeze of the account. This account is tied down to 12 automatic payments and a direct deposit. This sudden freeze is causing mayor financial hardship and worse of all no answer to all the contacts I to reach out to. The financial institution should be held liable for any hardship this has caused us. They are trusted with the handling of any money we deposit and make payment to accounts both personal and business accounts. To suddenly STOP that flow is outrageously disturbing and causing mayor financial and emotional distress. No financial institution shall have the sole authority to intervene in a personal checking account without cause and without a prior warning.

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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hello I purchased a brand new Jet ski and my Loan was thru XXXX XXXX XXXX the company is very unhelpful I have been trying to get this resolved for a year now. When I called them last XXXX they told me I owed {$50.00} for XXXX and XXXX when I called I paid the balance. It was only {$50.00} as I often paid them ahead. When I returned from Vacation they said I was behind on my payments I have never paid any of my loans late ever! I pride myself in paying my loans on time. I have 7 loans all on my credit report with perfect payment history. This company applied monies that were for Paymebts to the principle only if you review the historical payment history it is a cut and dry case. Just asking them if I paid on time is hardly an investigation as a hard working tax payer you are supposed to investigate these sistuations not just go off there misinformation and lies! Please do something about this! XXXX XXXX XXXX in XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IN).
Issue: Account opening, closing, or management

Complaint: I had opened a Citigold bank account in XXXX 2016 using a promotion that would give me XXXX XXXX XXXX miles once I 've made 2 bill payments and {$1000.00} in purchases on my debit card. I had confirmed my eligibility of the offer with Citi bank representative while opening the account on the phone. 
I completed the requirements in XXXX but the points did not post. I submitted a secure message in XXXX 2016 and I was told that now I was not eligible for the offer. I had escalated the request in XXXX but still the same response.

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 03/19/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Our Mortgage was sold to Carrington Mortgage Services in XXXX of 2014. They bought it from XXXX XXXX XXXX. We have never missed a payment or been late. We have changed insurance carriers several times and this statement will become clear once I state the problem. In XXXX of 2015 we changed from XXXX XXXX to XXXX for our house insurance. XXXX XXXX sent a check for XXXX back to use. We called Carrington to ask what should be done with the money. They gave me and address in Texas to send the money to. We were instructed to explain where the money was suppose to go. I sent a check and a letter stating to put the money back in escrow. The check was cashed on the XXXX of XXXX. I also made my XXXX payment of XXXX. Now the problem is that they are saying that they never got said check. At XXXX they were saying they could not find the house payment either. Well I sent a copy of bank statement show that the check was cashed. My husband called them starting XXXX XXXX. XXXX XXXX said that he would check into it call him back. Friday the XXXX no call so my husband called back. XXXX stated that the computers were messed up. Well no call Monday so we called back and got someone named XXXX would not disclose her last name. Said she was head Supervisor. Said she would look and call. Still waiting for that call. Now they will not take our calls and have blocked us on the web site. The main issue is the XXXX plus trying to raise our payments by XXXX for more escrow money.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: two wire transfers were done yesterday and neither one is in my coinbase account yet Pending ACH Debit ORIG CO NAME : COINBASE.COM/BTC CO ENTRY XXXX SEC : WEB IND ID :  XXXX ORIG ID:XXXX Link to more information in a new browser window. {$5000.00} Pending ACH Debit ORIG CO NAME : COINBASE.COM/BTC CO ENTRY XXXX SEC : WEB IND ID : XXXX ORIG ID:XXXX Link to more information in a new browser window. {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage is now playing the same game for which XXXX XXXX XXXX was sued and had to pay a fine. They are arbitrarily making rules regarding flood insurance coverage compared to home insurance coverage that enables them to forcibly obtain additional flood coverage and take the amount out of one 's escrow account. I was notified by Nationstar that the difference between my homeowner 's policy and my flood policy was too great a difference ( their determination, not Fema 's ). The XXXX letter ( dated XXXX/XXXX/15 ) stated that my coverage needed to be at least as much as the unpaid principal balance of my loan, 100 % of replacement cost of the property as determined by my homeowner 's provided, or the maximum available from the National Flood Insurance Program. I called Nationstar on XXXX/XXXX/15 and was told the letter was in error regarding unpaid balance on mortgage. A XXXX letter was received, removing the unpaid balance of the mortgage as a choice of limits to go by. This letter I took to my homeowner 's insurance agent and explained my problem. XXXX XXXX then did a review and lowered my replacement value to less than my flood insurance and should have faxed said information to Nationstar. So today, XXXX/XXXX/15, I receive a letter from Nationstar stating they took out a GAP FLOOD INSURANCE POLICY effective XXXX/XXXX/15 through XXXX/XXXX/15 and charged {$6.00} to my escrow moneys. Nationstar unilaterally decided in XX/XX/XXXX that I did not have sufficient flood insurance coverage, did not inform me until sending a letter dated XXXX/XXXX/15 ( which is about the time my new flood insurance and homeowner 's renewed by yearly payment from escrow ). After I took care of their issues by lowering my homeowner 's policy, they inform me they bought a XXXX month gap policy for a period I was never informed of or given time to correct. Basically, Nationstar has no interest in my property beyond what is owed them. My policies more than cover the outstanding balance. A XXXX call by me to Nationstar on XXXX/XXXX/15 confirmed that this is not a XXXX policy but simply a Nationstar policy. To me it is simply a way for Nationstar and other mortgage companies to try and sell policies and make money at the homeowner 's expense. Having already suffered through this with XXXX XXXX XXXX, I find it appalling to have to go through this again.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Student loan (Non-federal student loan) with AES/PHEAA (OH).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: XXXX private student loans were taken out on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. No payment was ever made on the account, so it immediately went into default as of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Per the loan agreements, the first payment is to be made 60 days from separation from the school. I dropped the classes the first week they started. Essentially at this point the loans are out of the statute of limitations. Because they sold the debt to a different company in XXXX they are deeming that to be a payment. This should no longer be on my credit profiles, and I have wrote numerous letters. The collection agencies took it off of my credit when I provided them with the validation of the contract, but the original credit is still reporting derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CARDINAL FINANCIAL COMPANY (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I had an insurance claim on my house at XXXX XXXX XXXX XXXX on XXXX/XXXX/15. My mortgage company refusesto release the insurance proceeds. They sent me {$3900.00} months ago but will not release the last {$8000.00}. They keep saying that they will send aninspector but nobody ever calls or shows up. 
I have made all the repairs and I need my money. 
Thanks, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has placed a debt for medical bill which does not belong to me. Also, how did this company get my social security number to apply to me? It has already placed the debt to another person who shares the same address as me with the same name. I assume they do not verify information.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Debt collection (Other debt) with ERC (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX - posted an account in collection on my credit report and individuals SSN does not match to my SSN or previous address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I closed my account with  XXXX  back in  XXXX   2015 but  for some unknown reason, they are pulling my cred it 2015 until  now. I tried to dispute with Equifax but I was told that I can not dispute it since it is the account I had it before. I called  XXXX  but they told me to speak with Equifax. I am suspecting that somebody is using my name to obtain a credit card or something is going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Since consolidating my loans I have had a lot of difficulty in obtaining an affordable monthly payment. I have called and been left on hold for long periods of time. I have also actually spoken with representatives that may give me options on the phone, place my loans in forbearance, and then claim I will receive documents in the mail to complete to finalize the lower payment based on my income. However, I never get the revised documents nor can I locate them on the website. This is factoring into my debt to income ratio and has prevented me from qualifying for new credit and also makes it appear I can not afford very much. Based on my current loan payment, which is well over {$1000.00} I can not afford anything. I need help and since XXXX XXXX changed to Navient I have received very little. In the meantime the interest continues to grow and the loan balance with it. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Bank account or service (Savings account) with SUNTRUST BANKS, INC. (FL).
Issue: Account opening, closing, or management

Complaint: Four or five months ago I gave my wife {$10000.00} so she would have money in her own name. I searched for the best bank offer and found an offer from Suntrust bank in XXXX, FL. My wife and I went there and set up the account. We told the bank officer that we were there only because of the offer of a {$250.00} bonus for large amounts that were left on deposit for at least three months. The account was set up in my and my wife 's names. The bonus was never posted to the account. Last week we went to the bank and talked to a different bank officer. He said the original bank officer was no longer with the bank. He checked the account and said that we were denied the bonus because we had not set up direct deposit to the account. I informed him that we had n't signed up for a direct deposit offer, that since my wife has no regular income that would n't make sense. In fact the original bank officer looked through the offers and rejected that one because of the direct deposit requirement, the offer she signed us up for had no such requirement. The bank officer we were dealing with on the later visit asked for proof of the offer that we were stating we had been given. We had not kept proof, we assumed that the original bank officer was capable of giving us an offer that we qualified for and that the bank was capable of tracking their bonus offers. Those assumptions proved to be false. After much delay we were told that the bank would not honor the offer. We promptly withdrew the money.

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 12-09-2017 about Debt collection (Medical debt) with DataMax Corporation (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I saw this company listed on my credit report so I tried to contact them. There phone number XXXX does not give you an option to speak with anyone - just an option to leave a message and someone will return your call and they never do. The XXXX listed on their website goes to a fax machine and you are not able to speak with anyone. They have this account for {$440.00} listed on my XXXX report since about XX/XX/XXXX. I finally received communication from the original creditor and took care of the bill. I recently moved from XXXX XXXX to XXXX so it took them a while to track down my new address. I paid the bill with the original creditor ( XXXX XXXX XXXX ).  I opened a dispute with XXXX on XXXX XXXX XXXX and attached the receipt where I had made the payment with the original creditor. The dispute came back the same day with no new results. How can a dispute even possible come back the same day? What research was even done? I pulled my other reports and noticed that they also applied that same information to XXXX with just listed last month with no company information, No company name, no phone number. Nothing. So had I not already known the information from XXXX - me as a consumer would not have had any idea of where the information was coming from or who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX ( hospital ) incorrectly billed me for procedures that did not occur and then sent those incorrect charges to a collection account. I advised Equifax and provided documentation that I did not owe the hospital, they refused to remove the collection account. The XXXX XXXX XXXX XXXX finally resolved the issue in my favor and told me that they would remove the collection account. They sent me a letter to that effect dated XXXX XXXX, 2015. I was told to allow Equifax XXXX days to remove the collection account. Now, since over XXXX days have passed, Equifax has STILL not removed this uncalled for negative rating. I was recently denied credit by XXXX XXXX and have a letter from them indicating Equifax still has not removed the collection account from my record. This has caused me a great deal of embarrassment and distress trying to deal with a company that is completely unresponsive to reporting the truth and has soiled my credit rating without cause.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have an existing investigation with CFPB number XXXX I have received an email reply from Equifax with a new case number XXXX When I try to log into Equifax website to view the results or the status of the dispute, I am not able due to incorrect information and no access There is no information on the Equifax website on how to contact them, email or phone I would like to get some clarifications/answers : 1 ) With all the complains against this company, why are they still allowed to do business in the United States 2 ) Why is this company allowed to report on persons credit with the wrong information 3 ) Who do I have to contact or how do I get to have this company stop reporting on my credit and history, since the information provided is incorrect and of no help to my credit report and/or history

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a XXXX XXXX XXXX letter with HIPPA requirements to CommonWealth Financial. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by CommonWealth Financial. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of CommonWealth Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: U.S. Bank paid out of an escrow account for Loan # ending in XXXX for a property insurance policy other than the property assigned to this loan. When the error was brought to U.S. Bank 's attention they not only refused to correct the error, they refused to discuss the matter with me, the account holder, and insisted on discussing it with only my insurance agent. The matter was never corrected. U.S. Bank refused to accept the loss due to their negligence and have withheld the money paid out in error from the loan pay off on XXXX XXXX, XXXX. I understand the law requires reserves and accounting for the escrow fees within the monthly mortgage payment. This is not the issue here. The problem is that U.S. Bank, through their own incompetence created the shortage in the escrow account and refused to correct the problem. Instead they merely demanded that I, the mortgage holder, make up the shortage they created by carelessness in their accounting. This is a habit of U.S. Bank. I closed my checking accounts with them due to their processing debits from another person 's account through my account instead and denied this to be fraud. They have made up fees and charged my account for items I did not purchase because they chose to without cause or reason. They have withheld funds illegally claiming their accounting allowed this. The most recent was at payoff of this loan on XXXX XXXX, XXXX. The account was paid up for XX/XX/XXXX including the mortgage insurance of {$51.00} for XXXX XXXX. However, U.S. Bank held the funds for the mortgage insurance for XXXX XXXX, XXXX XXXX and XXXX XXXX, as well as the escrow shortage from their admitted disbursement error. 
I am appealing to this board to investigate U.S. Bank 's form of accounting, correct same and return my funds of {$710.00} for the property insurance policy paid in error and the {$100.00} in mortgage insurance and the {$230.00} in the escrow impound that should be returned to me from closed escrow account since loan is now paid off. The total U.S. Bank owed me is {$1000.00}.

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