milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2017 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (NJ).
Issue: Trouble during payment process

Complaint: Hello, We 've reached out to the servicer of our mortgage because we had an escrow shortage. We called the company in the beginning of the month to get this straightened out. We were told to email a copy of our homeowner 's declaration page to have our account reanalyzed. We sent correspondence on XXXX XXXX, XXXX and XXXX. We 've had no help and no one on the phone will assist. The mortgage company over estimated our escrow analysis. While I know we still will have some shortage we 'd like a correct escrow analysis completed. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Mortgage (Conventional home mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I file a complaint against HSBC and its front organization XXXX. In it, I stated the following : I have had an ACH Direct Transfer agreement with HSBC for the past 14 years during which HSBC has been withdrawing its monthly mortgage on time, uninterrupted. In or about XX/XX/XXXX without my knowledge, permission, or consent, HSBC stopped the transfers for reasons it refuses to provide. The attached HSBC Direct Transfer Policy, Section III ( ACH Revoke Authorization ), states that only the consumer can revoke this authorization. I have not done so. It remains valid. HSBC has refused to transfer the fund and has initiated foreclosure. If this all sounds absurd, it is. I am filing this compliant to find out from HSBC ( 1 ) why it stopped the Direct Transfer, ( 2 ) why it has damaged my credit, and ( 3 ) why it has initiated foreclosure. Simple questions. I hope HSBC responds. 

In its XX/XX/XXXX response letter, XXXX states : research confirmed automatic drafts ceased on your account when the trial modification was offered to you on or about XX/XX/XXXX. Since payments differ during trial modification periods, automatic drafts can not be completed. 

My response : I never accepted HSBCs modification offer. If HSBC has me signed off on any modification offer, it should produce it. If it does not have it, it has to remedy. 

In its XX/XX/XXXX response letter, XXXX further states : Additionally, because the trial modification payments were not made and your account fell into default, the automatic drafts could not be reinstated. As reflected on the initial automatic debit enrollment form, we may reject any request for Electronic Funds Transfer Payment if the account is delinquent. 
My response : I never accepted HSBCs modification offer so there were no trial payments to be made in the first place. 

In its XX/XX/XXXXresponse letter, XXXX further states : As of the date of this correspondence, foreclosure has been initiated, however, a foreclosure sale has not been set. The last payment we received was applied to your account on XX/XX/XXXX. 

My response : I never accepted HSBCs modification nor cancelled the automatic payment ; it was HSBC that on its own, without my consent or permission stopped it. The money has been in the account for HSBC and I urge HSBC to transfer it whenever it wishes. 

In its XX/XX/XXXX response letter, XXXX further states : If you have any questions, please feel free to call XXXX XXXX, Liaison XXXX Office of the President at XXXX extension XXXX. 

My response : I have left at least 5 messages for XXXX XXXX XXXX and more for XXXX XXXX but one has returned my call. The case manager, XXXX XXXX, refers me also to them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Loan modification,collection,foreclosure

Complaint: My business collapsed in 2013, forcing my wife and I to leave our home and move in with family. My mortgage company, America 's Servicing Company, took possession of the house and changed the locks before they were supposed to ... and before we could remove all of our possessions. We applied for a deed in lieu of foreclosure, XXXX. Our initial paperwork was lost. I contacted you last XXXX ( 2013 ) regarding our situation, and they were fairly quick to respond. Since then, we have had XXXX home preservation specialists, had our home in active foreclosure ( with XXXX auction dates ), and have been told most recently that there were no plans to foreclose and our deed in lieu has been approved. We were told to contact Mississippi Home Corporation to arrange for authorization for ASC to request that they subordinate their lien on the property ( we received money through the Hardest Hit program to try and keep our home ), which we have done, in writing. After receiving a notice that we are now assigned to our latest home preservation specialist ( # XXXX ) just a couple of days ago, we receive a letter from an attorney 's office that we are indeed being foreclosed on ( again ) and being sued for over {$210000.00} on behalf of the primary lienholder. We 've had no other recent communication from ASC regarding our account aside from our monthly statements. I will be writing to the attorney to attempt to postpone the sale ( no date yet ). Please help us if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NJ).
Issue: Managing the loan or lease

Complaint: I applied to refinance a car loan, but was denied. I have tried to get in touch with them regarding the decision. However, the number listed does not help me or the fragmentation of the process does not solve my problem to understand why I was denied. The simple explanation that it does not benefit me, but does n't refinance benefit the consumer when you are doing well and want to lower your interest rate. I get the sense that they do not want to work with me to help avoid default or a loss in their balance sheet.

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 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 05-11-2016 about Debt collection (I do not know) with Coastal Financial Solutions, LLC (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This place is calling my relatives ( not sure how they got their numbers ) stating that their is a claim they are moving forward on so they need me to contact them by XXXX or XXXX that day. I am not aware of what *claim* this is for ... nor is it one I 've ever received via snail mail. I am not going to assume I have a debt because of a phone call. They are faxing my place of employment with documents that are not legal but trying to obtain personal information. They are stating they are trying to locate me, but have not sent any formal documentation stating what this claim is for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Equifax, XXXX, and XXXX all showed my name and report as having an account with XXXX Credit Cards. XXXX dispute was good and the bad information was removed. Equifax will not answer the phones and the on line service will not function at all. 

I have contacted XXXX Cards and they say they can not talk to me about the account because I am not on the account and they can find no record of an account in my SS #. I asked for a written statement to that effect and they told me I had to dispute it through the individual bureaus. I have done it and all but Equifax have fixed it. 

I sold my house and now can not get a mortgage due to this error. How in the heck do I fix it?

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: According to the duration of my payment it suppose to en d      XXXX   XXXX  /2017  . I noticed that I have late payment which resulted into late fees. I paid the accumulated late fees plus the all payments.My last payment was on the date mentioned above. I called the company ask why you wanted me to pay the principle although all monthly payments are made If there late fees i paid how come you charge me towice the late fees and the principle they said I have to pay the principle or they will not release the title anyway I told I ca n't pay the late fees and the  interest .the compa  ny is Santander USA .

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America is purposely saying i 'm not sending in the required documentation for a home loan modification. I have sent XXXX by XXXX and i made copies of what they requested. I am not going to keep wasting money and gas mailing them the same things over and over again. They are doing this on purpose so they can continue to add the late payments. Bank of america did this to me last time where i took 2 years to get them to lower my payment. They are giving me the run around they keep mailing me saying they do n't have the required documentation. This is causing me real undue distress.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax, the company I had no contact with as a consumer, failed to protect my personal information and put my identity at risk for the rest of my life. They have taken steps to limit my ability to sue them in case my identity is affected or as a part of a class action lawsuit. Three of their top executives between the time of the breach and the public disclosure, sold shares that were not a part of the company 's financial plan. These actions are egregious and they need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (I do not know) with Security Credit Services, LLC (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX, 2016 Amount = XXXX This is a account that I have no knowledge of and would never pay a collection agency money. I would go to the original creditor if this account was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Credit card debt) with PNC Bank N.A. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hello my name is XXXX XXXX XXXX Im having credit problems right now but when I ask for a free annual credir report, I found out that is a PNC credit card under my social security I assume, opened at the year XX/XX/XXXX, I say assume because I arrived a this country in XX/XX/XXXX, also I never had a PNC bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX 2017 I recieved an alert from my experian credit monitoring service stating that my credit score was dropped because my Finance company XXXX XXXX XXXX XXXX stated that my payment was 30 days late. I am furious!! Because as of today my account is 26 days past due, as my payments are due on the XXXX of every month. There has never been any new agreements or signed contracts stating that the due dates have been changed, Therefore this company has in accuratly reported late payments to the credit reporting agency and has damaged my credit rating!!!!

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 03/14/2017 about Bank account or service (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (NC).
Issue: Deposits and withdrawals

Complaint: [ Case number : XXXX ) This is, again, a complaint requarding the merger of XXXX and First National Bank. XXXX customers have not been able to access their accounts since Friday last. This is Tuesday at XXXX. We still ca n't get in online or by phone. Credit/Debet cards have been turned off. What are we to do now? Called branch and they are also down and ca n't even issue temporary cards. 

Notified CFPB yesterday -- still no response. Next call to Sen. XXXX, XXXX and Rep 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 non-monetary relief
Consumer complaint received 11-03-2016 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was originally incurred in XX/XX/XXXX or earlier over 14 years ago. This collection agency claims they acquired the debt in XX/XX/XXXX at which time the debt would have been over XXXX. Statute of limitations has expired. I do not owe this debt to XXXX Bank!

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 10-03-2016 about Consumer Loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Managing the loan or lease

Complaint: I took out a loan for {$42000.00}. 
The first month payment was {$3500.00} and then it was {$2500.00} a month after that. After almost a year of paying I called requesting a pay off amount. They told me the pay off would be almost {$47000.00}!!! I do n't understand how the balance goes up? 
Please help me resolve this. I have not missed a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Debt collection (Medical) with Integrity Solution Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Integrity Solution Services and XXXX XXXX XXXX are BOTH reporting a medical collection account for {$610.00}. This double reported has severely impacted my credit. They both need to be removed from all XXXX credit reporting companies. I have sent letters to the above companies without results. PLEASE HELP

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Cavalry Portfolio is reporting to the credit bureaus that I have a paid collection with them that is in conjunction with XXXX from 2011. I contacted XXXX regarding this information and was told that my account with them had been sold to XXXX XXXX, therefore, it is not possible that the Cavalry account is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Debt collection (Payday loan debt) with BlueChip Financial (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Specifically, on X/XX/2017, not only did this company harass myself, and my family, but also lied about previously calling, did not verify who they were talking to before divulging information about a debt, threatened to keep harassing my family, and tried to use scare-tactics insinuating they were taking legal action. Being familiar with FDCPA, I called them out on it, at which time, they got belligerent and hung up on me, twice. Once without providing me the information for their company. They also got belligerent with my sister, as well, and personally attacked her while speaking with me, saying she " Was not a nice person ''. The second person I spoke with, XXXX, accused me of falsely identifying myself when I mentioned they had not verified before divulging the existence of a debt. Also, the second guy, XXXX, referred to the company as " XXXX XXXX '', which I do not find - I can only find XXXX XXXX XXXX and XXXX. I do not know which one called. Also, no messages left followed the proper protocol for messages left by debt collectors.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I am a co-signer on my stepsons student loan with Navient. I have sent them multiple messages now to contact XXXX ( stepson ) about past due amounts. I have supplied his contact info both cell, alternative phone, and new address. I even explained he was without a job for a few months. Now Navient is calling my cell phone 5+ times a day, everyday. I have already spoken to them, why the excessive calls?

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. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX/XXXX/XXXX I checked the Equifax website to find out if I was impacted by their major security breach. I received a message that my information may have been compromised. I now need to freeze my credit reports, place fraud alerts on my accounts, submit claims, and hope that my identity is n't stolen and my hard earned credit score and money are not compromised further. 

Although Equifax is also a victim of this hack, it was their responsibility to protect our information. Furthermore, the companies failure to alert anyone about this breech for over a month, as well as their executives actions in selling stock prior to notifying the public is unacceptable and deeply disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is reporting to Equifax Which they have not verified the debt that I Owe.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (NH).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on my mortgage payments and contacted my mortgage company and asked to start a modification so I can get current on my payments. At that point I was only XXXX months behind and was looking for a repayment plan. I was asked to send in the modification package to my case manger. I did and was then referred to another case manager. The second case manager sent me a letter saying I had missing information. I mailed in the information, I called to check on it and was told I had a new case manager. That case manager sent me a letter saying there was information missing so I sent more information. I called to check on it and my case manger was on maternity leave.... Every time I called I had a new case manger or missing information. On XXXX XXXX I finally got confirmation on XXXX of my phone calls that a case manager was reviewing my information and would get back to me. So I waited. I called the case manger a few times and could not get through I just got a message saying she was out of the office and to dial XXXX to go to someone else. If I dialed XXXX it looped back to her voicemail I would call the main number and they would send me back to her voice mail. I finally asked to speak to a manager and got his voicemail but never got a call back. On XXXX XXXX and letter was mailed out to me. I did not receive it until XXXX. It was from the case manger that was on maternity leave. The letter said that I was missing a date and a tax form but it was to late to send the information. A sale date was put on my house and my case would no longer be reviewed. I called the lawyer associated to the foreclosure and asked for a reinstatement letter. The price was so high because they let this go on for so long that I was forced to file chapter XXXX to save my property.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with BB&T CORPORATION (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: A refusal of a bank to refinance a maturing 2nd mortgage with a predatory balloon payment. The mortgage holder ,a senior citizen  never missed a payment for 15 years and can continue to pay monthly principal and interest payments until the sale of the house.This is the same bank that ripped off it's mortgage holders in a forced place insurance scheme class action scam.  I am part of their New fee scam. In XX/XX/XXXX XXXX XXXX XXXX made a consumer loan to me never mentioning the pending balloon maturing in XX/XX/XXXX.A New local loan officer  in XX/XX/XXXX called me warning me of my pending foreclosure. She suggested I apply for a modification borrowing not the current amount of XXXX but $XXXX principal. After several weeks I was denied the modification on the basis of too many inquiries(all the inquiries were made by XXXX XXXX),outmoded and arbitrary loan ratios,and the loan the bank made in XX/XX/XXXX.Now the bank has started foreclosure.Dreams of anew fee scam are dancing in their heads.I wrote the president of XXXX XXXX XXXX alerting him .Never a reply. This bank is corrupt from it's head I expect much false witness against a me from this bank. .

Company response to consumer: Closed with explanation