milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2016 about Mortgage (Conventional fixed mortgage) with STONEGATE MORTGAGE CORPORATION (TX).
Issue: Application, originator, mortgage broker

Complaint: Just by coincidence my mortgage company customer service dept told me my escrow was almost {$5000.00} short. With further digging I was told that when I refinanced in XXXX 2015 the homeowners insurance somehow was not included by the servicer although it is on the good faith estimate and the HUD statement. This means for last year no money had been put in my escrow for homeowners insurance although my monthly payment at closing was calculated based on taxes principle and insurance Now I face an extreme shortage in XX/XX/XXXX which is when Texas does annual analysis. I am so angry thinking that all along all my fees were being paid when I paid my monthly payment. I have spoken with the mortgage company and the company that did the refi application today and they are looking to see what happened. They should be held responsible as they made me have this shortage. If my monthly mortgage payment was to include my homeowners insurance, where is that portion of my monthly going if it has not gone towards the insurance?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: on  XXXX  Chase Bank reversed a temp credit to my acct processed on  XXXX  due to a dispute with  XXXX .  Chase sent  a letter dated  XXXX  advising of reversal but gave no explanation as to why nor did they allow me to provide to them any documentation prior to reversal taking place - to prove I have tried numerous times via email and telephone to resolve issue. Seller promised twice to have a local gene ral manager c ontact me to resolve issues however no contact as of today since  XXXX   XXXX   Seller stop ped responding to email contacts on  XXXX    XXXX  .  Chase m akes it very difficult to speak to a supervisor, and equally to spe ak to a manager. Manager refu sed to escalate this matter as he stated firmly that anyone above him would only repeat to me the same. Chase bank states they do not resolve or get involved with disputes regarding " wear and tear '' although I explained repeatedly problems are due to defective parts. Which is an entirely different situation. Bu t Chase reps ref use to get past the term " wear and tear :  XXXX  dictionary states " Wear and tear is the damage or change that is caused to something when it is being used '' however, I state the part is defective as I only was able to use a couple of weeks when it built up a very unusual rust buildup . Defective | Definition by      XXXX  is " imperfect in form or function '' I assume mnft did not apply a protective overcoat to the part - which has now caused damage to a underlying part due to the rust. After I rec.t he Chase r eversal letter I faxed to them on  XXXX   XXXX  all of my email communications with  XXXX .  Chase n ever responded. I refaxed again on  XXXX   XXXX    XXXX   - still no responce. After calling & much arguing to escalate my call I spoke with a  XXXX  based in Ohio and later with a supposed manager named  XXXX  approx on  XXXX  Neither would accept my refaxing my documentation nor would they provide to me a hard copy reflecting Chase policy in regards to their so called " wear and tear '' policy. Whe n Chase manager   XXXX  was finally worn down he was attempting to imply my complaints to them were not received in time however I reminded him I had fax transmit reports proving dates and times my emails were sent to  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I tried to pay Navient by credit card today by phone. I did this last month. This time they told me that they were no longer accepting credit cards. They said that they informed me of this new change, but they did n't. They tried to get me to pay out of a checking account, but I do n't have it. Now, I have yo try to get a cash advance on my credit card st a much higher rate. That 's the only way I can get XXXX dollars in a day. I think they 're trying to force me to be late, so they can charge higher rates. They failed to correct my address four times in the past to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Settlement process and costs

Complaint: Bank Of America and XXXX XXXX XXXX XXXX is blocking the refinancing of my mortgage with XXXX. Even though, I only have a XXXX mortgage with them. They are claiming I have an equity line or XXXX mortgage with them in the amount of {$93000.00}. I have never requested an equity line or a XXXX mortgage from either of these entities. Yet they are refusing to let my refinancing proceed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Mortgage (VA mortgage) with Lennar Financial Services, LLC (NV).
Issue: Settlement process and costs

Complaint: Our home was sold XXXX, 2016. The realtor " advised '' me not to air my dirty laundry in the mortgage disclosure. Consequently an unfair distribution of funds between husband and I were distorted. In the divorce settlement he was allowed to keep my refrigerator and washer/dryer and never addressed the loss of my XXXX carat black opal with XXXX ounces of gold and I was never compensated. He was allowed to place the tax distribution at 50 %. 
He received {$26000.00} for the down payment for the house which came from an inheritance then 50 % of the remaining balance of {$41000.00}. He received {$33000.00} and I received a little over {$11000.00}. 
Additionally all of the tax returns were cashed by my ex and never divided between us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (PA).
Issue: Problem when making payments

Complaint: I initiated a balance transfer for {$7200.00} from XXXX XXXX to Wells Fargo bank onXX/XX/XXXX. It is now XX/XX/XXXX ( a month and a half ) and I still have not received the money. I 've called Wells Fargo over 10-15 times over the last 2-3 weeks and all they keep saying is they are investigating. When speaking to some representatives they mentioned they ca n't call out from their center. I asked well " How do you reach out to investigate if you ca n't reach out to anyone? '' I had XXXX fax them a copy of the cashed check and I faxed them a copy on XX/XX/XXXX that shows Wells Fargo cashed the check on XX/XX/XXXX and they still have not credited my account and released the funds.

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 10/13/2016 about Debt collection (Payday loan) with Lionstone Holdings Group (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Received a call on my cell phone stating that they will be at my house tomorrow to bring paperwork because I am being sued. I was like hold on what is this all about? The lady gave me a number to call and said she thought they contacted me. I called the number she gave me and was on hold a long time. The gentleman picked up and was eager to get my info. They named a debt that I was paying to another company and told me my payment declined and now they have taken over. I know for a fact my payment would have not declined because the debt was coming out on payday. I was like look I need to see something in writing because the balance is higher than what it should be he got rude and then I told him XXXX I need something in writing not giving my information out randomly. I asked for a manager. The manager insisted I had to pay {$180.00} a month XXXX bi weekly. I explained I ca n't afford that. I said the best I can do is XXXX and pay extra when I can. She said no call me back when you can agree to the terms and hung up on me. I called back and hour later and got someone extremely nice that explained the company sold and merged and the accounts set without payments. I set up a payment arrangement because of {$100.00} because I do n't want my credit hurt. But the XXXX XXXX people were harassing and lying which is so unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This debt collector has been erroneously reporting late payment and delinquent payments for the last year. This company is an fraudulent debt collector/mortgage servicer and should have been closed down by the financial regulators. How is the bureau going to allow Bayview Loan Services to continue over the last 10 years to fraud and steal from American citizens?

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Debt collection (Medical) with Seattle Service Bureau, Inc (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have XXXX XXXX ASSISTANCE PLAN CODE XXXX. 
So I dispute this Debit : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} ''

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted Freedom Mortgage on XXXX/XXXX/XXXX to inquire as to the status of the PMI being charged on my loan. I was informed that the PMI was scheduled to be terminated in XXXX XXXX. Freedom Mortgage stated that, as of XXXX/XXXX/XXXX my LTV is XXXX. When I stated that my PMI should be automatically cancelled when the LTV drops below XXXX. The rep told me to write an email to Customer Care so Freedom could research the issue, which I did on the same day. My husband called to follow up on XXXX/XXXX/XXXX as we had not received a response to my email. Freedom told my husband that, in order for Freedom to consider our request to drop the PMI, we would be required to secure a new house appraisal at our own expense. Further, Freedom stated that, when making the decision to drop our PMI, they would take into consideration that they do n't have 12 months of payment history from us. My husband noted that this is the XXXX or XXXX time the note has been sold since we purchased the house in XXXX. 

The information provided by Freedom is in conflict with information provided by CFPB. Our original amortization schedule lists XXXX XXXX as the ending date for the PMI. However, we have paid above the monthly principal due almost every month since the beginning of the loan.

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 11/17/2017 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (NY).
Issue: Struggling to pay mortgage

Complaint: I had bought my home in XX/XX/XXXX, and I fell behind on mortgage payment in XX/XX/XXXX, but I was able to get a repayment plan with M & T Bank in XX/XX/XXXX after becoming unemployed in XX/XX/XXXX. Also, I had fell behind in HOA dues in XX/XX/XXXX, and I tried to get a repayment plan from them in XX/XX/XXXX, but they would n't negotiate. Actually, they returned my money order. 

Recently, I have stopped making mortgage payments due to misinformation from the bank that the HOA was n't the owner that I am. I have learned otherwise through a title search that my bank deceived me from the truth of ownership. 

Now, when I call the bank 's attorney, I am always asked if I have a lawyer before I can speak to the attorney. My question is, will I get a notice from bank when I can move my personal possessions out. I was told that the bank will not be the owner after the foreclosure. How not? 

Because of this bank, I faxed the HOA notice to vacate to them for direction, and they ignored it. I called M & T Bank, and I was told that I am still the owner of the property. Today as I write this complaint, I am still told the same information. My personal property remains in the house, and I am not helped in accessing the home by this HOA to retrieve them. They refuse to work in good faith with me to let me view the inside as proof. I do not believe their word, because of their process of no repayment plan. I could n't afford an attorney during this process. 

Both the bank and HOA took advantage of my lack of the laws and legal representation. My whole life is in this house that I 've acquired over my XXXX years. Others that I shared my story have never heard that an HOA want to do this. 

I feel emotionally helpless and frustrated thinking about my personal papers, unreplaceable family pictures, and other personals that are unreplaceable. My house was stolen from me, but I am pleading for the return of my possessions. That 's all!

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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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: On XX/XX/XXXX I submitted an initial dispute to Experian requesting an investigation be done on the following accounts : XXXX/XXXX XXXX {$6600.00} XXXX XXXX {$5600.00} XXXX XXXX {$5600.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX {$16000.00} On XX/XX/XXXX they sent a response that they would not reinvestigate the account unless relevant information. I submitted another dispute letter on XX/XX/XXXX requesting their method of verification and on XX/XX/XXXX they submitted the same response refusing to reinvestigate the account. The information that is reporting is inaccurate and they refuse to remove this inaccurate information from my report. I know they did not properly investigate these accounts yet they keep stating they did. They have not provided me with how they verified the account, who they spoke with, any documentation they have on file pertaining to these account. NOTHING. It is so frustrating that they refuse to properly do their jobs and are purposely disregarding the law.

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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have sent letter after letter to this company starting in XXXX 2016 when I first noticed this inaccurate information on my credit report. I have never had any accounts being serviced by XXXX XXXX or any of the others listed. I even contacted XXXX XXXX and they responded saying they have never serviced my accounts and in fact the only accounts they can see that I have is with XXXX XXXX ( only 2 ) and both of those are in good standing and always have been. You will see from the attached correspondence that all these accounts except for 2 must be deleted immediately as they are not mine. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days. 

XXXX/XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX/XXXX XXXX Account : XXXX XXXX XXXX/XXXX XXXX Account : XXXX XXXX XXXX/XXXX XXXX Account : XXXX XXXX XXXX/XXXX XXXX Account : XXXX The ONLY legitimate accounts and Validated accounts I have are the following : XXXX XXXX XXXX XXXX/XXXX. Account : XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX/XXXX. Account : XXXX Balance : {$42000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo charged my checking account {$35.00} for overdraft fee when there was sufficient funds in the account to cover the check. This occurred on XXXX XXXX, 2016. The check was cashed and not returned to the payee because of insufficient funds.

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 04-05-2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CA).
Issue: Credit decision / Underwriting

Complaint: I have been current on my 1st mortgage for years. However, my 2nd mortgage, which was initially included in a bankruptcy in XXXX, resurfaced demanding payment. I questioned the lender to no resolve. Eventually it was charged-off and sold to a debt collection agency. They tacked on additional fee 's almost doubling the original {$12000.00} debt. Again, questions and back & forth but no resolve, so the new higher amount was charged-off and sold once again. This new debt grew again, and I questioned and disagreed, so once again it was charged-off and sold yet again. But little did I know, it was also listed as a " Short-sale - with multiple late 's '' on the XXXX Originator database, then charged-off and sold. Finally after this last sale, the debt had reached almost 3 times the original amount. I was finally able to negotiate and the debt to have it settled for less than the original amount paying the final agreed upon amount officially closing out the debt. Now, I discover, that XXXX of the debtors, listed the debt as a " Short-sale Mortgage '' in XXXX XXXX ; only after I had made an offer on a property and in Escrow. This never showed up on any of my credit reports. ( This was extremely disheartening to XXXX, after months of house hunting ). My Realtor informed me that I would have to wait " 2 years '' to be able to purchase a property, and I had to withdraw my offer and cancel the escrow. This feels like unfair practice and deceptive bargaining. I am only requesting that this " Short-sale with multiple late 's! '' be removed from my Escrow investigation XXXX XXXX XXXX XXXX or any other Escrow tool now, rather than me wait for 2 years being penalized for this method of doing business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (Medical) with Receivables Management Partners, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX has sent a bill for services I never received to a collection agency ( DSG collect ). We have attempted to contact them to let them know that I never received any services for said debt.. After attempting to contact them XXXX times. We 've decided to file a complaint to settle this in a timely matter. and to get this of my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I get an account report with XXXX, XXXX and Experian showing open and supposed to show closed as he was paid off completely. I request this account to be closed immediately and be reported to all credits bureaus in the 5 days turn around

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 05-02-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan originated with XXXX XXXX, but was sold to Green Tree. Green Tree since has merged with Ditech due to a class action lawsuit. On XXXX XXXX, 2016 I mailed my monthly mortgage payment to Ditech Financial ( Previously Green Tree ). My check was cashed and cleared out of my account by XXXX XXXX, 2016. On XXXX XXXX, 2016 I received a call from Ditech 's collection department requesting a payment for an unpaid balance. After explaining to the women on the phone for a long time that my check had cleared the account from their servicing department, she was still harassing me for a payment. I was able to provide proof and speak with a team leader named XXXX who found my payment and made the adjustment. My payment was mailed very early, and was cashed by XX/XX/XXXX. Still after finding my check and acknowledging their error, my account as of XXXX XXXX, 2016 has yet to be fixed. They have never applied my payment of {$1500.00} to my account, and removed the late fee that should be gone. All of this is an error in their system, and I was harassed by their company to make a payment that had already been cashed in their system. Nearly 1 month after my payment was debited out of my account they still have not remedied the situation. I am very concerned about the future payments. I can also say customer service when I call is very poor. I get put on hold without notice. People transfer me without notice and do not notify the person who I was transferred to why, and most importantly no one has fixed the issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account for XXXX XXXX XXXX, opened XXXX and closed on XXXX. Account shows chargeoff of XXXX. That is incorrect. Account was never late nor charged off. Account was closed in satisfactory staus paid as agreed with XXXX balance. XXXX XXXX  refuses to remove or correct.

Company response to consumer: Closed with non-monetary relief