milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Before my loan was acquired by Freedom Mortgage, XXXX was collecting escrow from me without paying the state. At the end of the year, I was sent a check from XXXX with the entire amount I was paying them, from which I used to pay my outstanding taxes ( which XXXX mistakenly did not pay ). I never paid escrow again to XXXX mortgage. 

While I was fixing the problem, my mortgage just happened to be sold to Freedom Mortgage. Freedom Mortgage paid my property taxes, without any money in my escrow account. They paid the state a much larger and very incorrect amount which they are now basing my escrow analysis on. 

I 've recently received an updated Escrow Analysis which incorrectly states the total {$1800.00} as a COUNTY TAX. If your team had read my previous e-mails above or listened to any of the previous recorded calls, you would know that the Tax Correction form states a total of {$740.00} as a county tax. Your incorrect escrow analysis states that my monthly payments due will increase from {$470.00} to {$1100.00} starting in XX/XX/XXXX. This is a monthly payment that will be extremely difficult for me to afford. 

This is entirely a problem created by both XXXX and Freedom Mortgage. XXXX failed in setting up my escrow account after I closed on my home and then sold my mortgage to you while I was in the middle of fixing the problem. Freedom Mortgage has repeated failed in fixing the problem and you have continually dragged your feet in getting the job down quickly, to the point where now you are stating that my mortgage payments will increase by 135 % This has been an ongoing issue since XX/XX/XXXX. FM 's customer service department appears to be clueless to the situation when I call, missing e-mails, attachments, and facts from previous calls. Every call I have to re-explain the situation and am given no solution but to either call back another time or re-send a previous e-mail. I am simply trying to pay the CORRECT escrow amount without going bankrupt.

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 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX, I mailed a letter to the credit bureaus asking them to investigate errors on my credit report. Almost 3 months have passed, and I have not yet received a response. This is already the 2nd complaint I've filed for not receiving a 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 explanation
Consumer complaint received 08/27/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Billing disputes

Complaint: Bank of America is not allowing me to file a dispute on a part of charge ( {$590.00} out of {$1700.00} ) with the merchant XXXX XXXX XXXX XXXX who has negligently lost my property while cruising and now refuses compensation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Incorrect info. CR agencies not consistent. Judgements are not off all CR.

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 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX  XXXX XXXX  card said they denied me because of fraud alert on my account listed by equifax issue I was told they have verification process call or write but information sent in last report on this from equifax sent in copy of my billing, and my information to correct, but it seems they did not correct phone numbers XXXX or XXXX, so since information was incorrect on equifax report that i just tried to chat to equifax about said this been mailed in and faxed in but still wrong, told have to request a credit report and there is no one at equifax I could talk to and fix this not sure why or fax information again, very frustrating been working on this and if best buy rerun my application my score gets nicked documented each time which seems to be a data base miss entry or issue equifax had over hack or whatever just need to get this fixed own my house lived same place since XX/XX/2010, so not sure what else to do since can not fix this evidently by going to their site and asking them for help sort of rough like to get it fixed even sent copy of my license awhile back when requested verification on address and or myself as who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 04/17/2016 about Payday loan () with Flurish Inc. (MN).
Issue: Can't contact lender

Complaint: I am a victim of identity theft and someone stole my identity and personal information to apply for a loan with Lend Up. The loan account was an unauthorized and fraudulent account. I never applied for a loan with Lend Up. I filed a police report with XXXX XXXX Police Department. The police report case number is : 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 05-05-2016 about Bank account or service ((CD) Certificate of deposit) with JPMORGAN CHASE & CO. (WI).
Issue: Account opening, closing, or management

Complaint: This is XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX WI. We have XXXX cd 's representing XXXX clients that have irrevocable funeral trust agreements with us that Chase Bank, XXXX XXXX XXXX XXXX, XXXX WI has sent the funds to the WI Unclaimed Property. We have made an effort with the Unclaimed Property people and they say Chase Bank has to file paper work to recover the funds back to the bank. The people at Chase Bank are unwilling to cooperate with us. 
Is there anyway you can encourage them to cooperate. This is not fair to the families that have entrusted Chase Bank to safeguard their funds for their funeral services. 
This whole issue has happened with our funeral home and Chase Bank in the past. This is the first time they refuse to assist. They evidently no longer wish to have irrevocable funeral trusts.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient automatically deducted {$230.00} from my Grandmother 's bank account on XXXX/XXXX/2015. My Grandmother never received a bill or notice that this deduction was to take place and neither did I. Her card was set up for automatic debit only for the approved $ XXXX/month. She called to have her card removed and the charge refunded and they refused. My expected monthly payment is {$390.00} on just over {$20000.00} in loans with Navient. Meanwhile, I have $ XXXX/mo due from other lenders ( XXXX XXXX, XXXX ). I do not think its fair to be expected to pay {$850.00} a month in student loans. You would have to Net over 60K in order to afford payments like that. I make $ XXXX/month.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: here i am again complaining about ocwen this co. needs shut down. i tried emailing this through my email but it wouldnt go through. something has got to be done about this co. i guess they are in XXXX so you cant understand them and you cant ever talk to the same person XXXX. they are XXXX days from foreclosing on my family. i have been begging this place for help. our payments went from XXXX to XXXX to XXXX XXXX, now they are XXXX. when i XXXX called ocwen for help they informed us that we have to be behind to get help we didnt really want to do that but we did XXXX months behind they said so we did  and then asked for help and they assured us over and over again they would help. i filled out the application and all the paperwork numerous times bc they would lose something or didnt recieve something or couldnt read somehting or the very XXXX time they made us an offer they raised our payment XXXX a month. what? we are asking for help and they are raising our payments. thats ludicrous. after XXXX more months of being jerked around, the whole time them promising to help us, we were then almost a XXXX. behind on our mortgage. once you get that far behind there is no catching up. we hired a lawyer he did absolutely nothing but lie to us and take our money. what is this world coming too? then another lawyer and they are like well just file chapter XXXX and your new payment is XXXX a month. you got to be kidding me. we couldnt afford XXXX a month but now XXXX. give me a break. we had our house appraised it come in at XXXX we owe XXXX which is exactly what we barrowed XXXX yrs. ago. i will  not give up until they physically throw us out. why cant anyone stop this co. from their illegal, improper and inhumane practices? they get you behind and then foreclose on you. something is wrong here. if you go to any website on ocwen there is nothing but complaints and people going through the same exact thing. everyone is begging for help and the govt sues them goes in and slaps their hands and its over right back to the same old XXXX i just dont get it. i know they have more money that XXXX but please why cant someone make them stop. everybody is afraid of this place i guess. i swear to you if i was a lawyer i would rip them apart. and i wouldnt stop until they had nothing just like they are doing to everyone else. you can publish this anywhere it doesnt matter bc there is tons of these complaints and everybody is just turning thier heads like nothing is going on. there is actually a website that says "nobailout for ocwen homeowners letter to barak obama" and he dont care either. whats the problem?

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid and removed in XXXX XXXX. In XXXX XXXX the XXXX accounts were reinserted on my credit report by commonwealth financial. Commonwealth removed the information then replaced the information on my credit report under northeast credit and collect. These accounts were paid and removed they should never have been reinserted. Also accounts are from XXXX, past the statue of limitations on which it can report. Please remove the accounts from my credit file with all three credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Received a credit report today from Equifax via US Mail. The problem is that it had my full SS #. These are not suppose to be sent out without disguising a portion of it. Just plain careless, especially with the latest problems the company is having.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX I received a letter stating I owed XXXX {$200.00} plus dollars for the same att account that was with pro-collect back in XXXX. ( see attached ). I sent a letter certified mailed to the following locations a XXXX XXXX and A physical address to XXXX XXXX. XXXX XXXX XXXX XXXX. This company has refused to verify the debt owed according to the law. the reselling of an unverifiable debt. This collection agency has not verified this debt and they still continue to report to credit bureaus.My rights under consumer protection afforded by the FDCPA are continuously violated by this company. FDCPA Section XXXX XXXX DTC opinion letter XXXX from XXXX say this company would owe me {$1000.00} in damages.I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : XXXX XXXX XXXX XXXX ] ( XXXX ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have filed disputes with all three credit agencies to have this tax lien removed from my public records. They all responded and said that it was updated to satisfied but will continue to remain on my credit report. I have the expungement letter. According to my research when I have this letter it is supposed to be removed COMPLETELY.

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

Complaint: My SSN was compromised in this recent data breach due to lackadaisical security policies carried out by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with United Accounts, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was a student and when I moved out of my apartment XXXX XXXX I paid the onsite manager for any and all cleaning. Apparently in XXXX XXXX the landlord decided they were due some cleaning money and or misc. costs. They chose not to contact me but instead sent it to a collection company with the address where I left not my home address that they had in the application. I found this out because my XXXX XXXX 's XXXX score showed a collection and I was told who the collection agency was I called them on XXXX/XXXX/XXXX and was told it was n't their problem they never sent me the notice to verify the debt. 
I believe the landlord provided a wrong address on purpose so it would be a collection action and I would be forced to pay it.If they would have provided my home address I could have responded to the collection companies XXXX notice.I also believe the collection company chose not to ask them for a good address because they did n't want me to reply. 
I am also concerned it took 7 months for the landlord to make that determination.

Company response to consumer: Closed
Consumer complaint received 09-12-2017 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: Equifax 's website that advises if I 've been a victim in their recent hack shows that my information is at risk. Equifax has mishandled my private information, so now I need to go through steps to protect my information from further misuse. This is costing me money and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had my credit pulled for home loan application in XX/XX/XXXX. I was told there was a judgement listed from Portfolio Recovery  Associates ( PRA ). I called PRA and initiallyPRA said I did n't have an account with them, It turned out that it was my ex husband 's ( XXXX XXXX ) account, but I was listed in judgement ( XX/XX/XXXX community property law ). I asked how much the debt was and if I could negotiate something. PRA told me they could n't speak to me about it because it was n't my account. Finally, I was transferred to XXXX XXXX who negotiated a settlement with me. She told me that the total owed was about {$8000.00} with fees and such. I settled it for {$4000.00}. Two payments of  {$2000.00} each, XXXX told me to call a week after the last payment and PRA would send me the Satisfaction of Judgement Document. I called a week after last payment, was on phone for 20 minutes, PRA refused to talk to me because it was my ex husbands account and not mine. I called about 4 times in a week. Finally, PRA would speak to me and each time I was told something different. I never received SOJ and I later found out from the courthouse in XX/XX/XXXX that the judgement had expired and was n't even valid anymore.
I feel that PRA collected on false pretense and the agreement I entered into was for the judgment against me, ( which didnt exist at the time ). The account was never mine. I to this day never received a SOJ. I am extremely frustrated are hoping that you can help.
I never knew about judgement because my ex was served and not me. We lived in XX/XX/XXXX during judgement service, XXXX. I just paid this in XXXX, I currently live in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Good evening, I have a collection on my credit report from a collection agency, AFNI, for a bill from XXXX XXXX XXXX. AFNI is not a licensed collection agency in Florida. Can you assist?

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Settlement process and costs

Complaint: XXXX XXXX attorney for XXXX TRUSTEE. Refuse to release all funds in escrow and INSURENCE funds. XXXX XXXX TRUSTEE V XXXX XXXX INDEX XXXX is disposed. XXXX XXXX still refuse to release my funds

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (UT).
Issue: Struggling to pay mortgage

Complaint: I am a XXXX person. I had a XXXX XXXX. I have had to take a different job that pays me less than my original job. I have asked Wells Fargo for help in lowering my payments. They continue to refuse to help me even though I am eligible under HAMP rules. They are discriminating against me because I am XXXX. They are breaking ADA laws and are trying to get away with it. They are trying to force a XXXX person out of their home. They would rather see a XXXX person on the street then give them a lower payment that they can afford.

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 09/27/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medicam information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to MY medical records. I know for a fact i did not give ANY provider permission to share my medical information. commonwealth NEEDS to remove ALL accounts on my credit report and send these accounts back to the original creditors. In addition i will be filing lawsuits against these creditors for violating my medical rights.

Company response to consumer: Closed with explanation