milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, My home mortgage is managed by PHH Loans XXXX My mortgage owed each month is roughly {$920.00}. I pay {$470.00} every XXXX weeks. So I pay extra, and at the end of the year I 'm usually a month to 6 weeks ahead in payments. So in the long run of 30 years, I 'll save thousands in interest and a few years off the loan. However, the mortgage company does not process my payments correctly. Every few months, I will received a call saying that I am short on my payment. I 've even had foreclosure paperwork sent to me. I 've spoken to their representatives about correcting the mistakes. Because I should be 2-3 months ahead of my payments, and I 've put extra money toward principal. 

I am very concerned about how this company is managing my payments. They seem to adjust things randomly. They should at least know that I am not behind in my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (PA).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, XXXX I obtained a Chapter XXXX discharge. I own my home and have a mortgage serviced by Seterus. In spite of the bankruptcy I filed a Statement of Intention that I wanted to retain the home and make mortgage payments. Since the bankruptcy concluded in XXXX, XXXX I have been making mortgage payments and I believe I am current. 

However, Seterus refuses to resume sending periodic statements to me in spite of recent written requests. My most recent written request was on XXXX XXXX, XXXX. On XXXX XXXX, XXXX XXXX wrote back that they are voluntarily refusing to send monthly statements to me. This refusal is wrongheaded as it makes it more difficult for me to stay current with payments and it violates the most recent Reg Z Amendments XXXX which require mortgage servicers such as Seterus to send the statements upon request. I assume Seterus 's actions are based upon company policy and impact every other former chapter XXXX debtor which has a loan serviced by Seterus that wants to keep their property.

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 07/13/2015 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Other

Complaint: There are several inquiries on my credit bureau report that appear to be in duplicate. They are all listing as a request by synchrony bank. There are duplicate entries by bank for TJMaxx. XXXX of the XXXX entries by XXXX has been deleted but an extra one remains. There is an erroneous inquiry on XXXX/XXXX/XXXX by the same bank. The bank reports they have opened an investigation with the credit bureau but it has been more than 30 days ago and the items remain. Written information about dispute never received from company as promised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: My niece begged me to co-sign a student loan for her saying she would have to drop out of college if I did n't. She knew we had a policy of no co-signing but she cried and promised to pay off the loan as soon as she sold a house she owned. She sold the home got XXXX cash then tells me sorry I had to pay other bills no money left. Yet she went traveling all over the country showing herself spending all kinds of money on XXXX. Is there any way I can get my name off her Wells Fargo student loan. It is now due for payments I get the notices in the mail. But she refuses to speak to me. Is there anything I can do? Thank you XXXX 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 07/14/2015 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (LA).
Issue: Problems caused by my funds being low

Complaint: I have an account with BBVA Compass. Appears they charge fees whenever they decide to. I was charged {$10.00} from my account without them giving me an actual date. So I tried to call them today with 8 attempts, either I was disconnected from the robot call or someone from offshore. My account is set to speak with only someone in the United States. However these people refused to transfer my call. I 'm very disappointed with how BBVA handles banking for their customers and the phone reps should be educated on what the customer request. Their attitudes are horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I started the IBR on XXXX/XXXX/XXXX with Nelnet , Inc. " Under the IBR and Pay As You Earn plans, your calculated monthly payment amount may not cover all of the interest that accrues on your loans each month ( this is called negative amortization ). In this situation, the government will pay the remaining unpaid accrued interest that is due each month on your subsidized loans ( including the subsidized portion of a consolidation loan ) for up to three consecutive years from the date you begin repaying your loans under the IBR or Pay As You Earn plan. '' This has not been happening on my account. My subsidized interest on my loans have been accumulating. No government payments have been applied to my account. My Principal Balance reflects no additional government payments have been applied to my subsidized loans online. I collaborated with -- 1. XXXX XXXX XX/XX/XXXX XXXX -- Discussed loan options and confirmed Nelnet received my recertification for IRB. User put me on hold and never returned. Gave her a negative review ... 

2. XXXX XX/XX/XXXX XXXX Verified Nelnet received my re-certification and told me it will take a week or two in order to process. Discussed the 3 year subsidized interest not being paid on my account. XXXX confirmed the amount suppose to be paid quarterly by the government but Nelnet does not give proof of payments added to accounts. I told him I need to see where the government payments were added to my subsidized interest. The web site does not reflect any government payments applies to my account. XXXX confirmed the payments have been applied quarterly but the web does not reflect this. My account needs to be analyzed and adjusted immediately. It appears the Government has been sending payments to pay for the subsidized interest on my account but the monies have not been applied to my account. I need to see in writing where the government has paid 100 % of my subsidized interest by XX/XX/XXXX. My account does not reflect Any government payments nor does it reflect any Decrease in Accrued interest and Principal Balance. My online account has proven the government payments have not been applied to my subsidized interest.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was reported 30 days late but I made my payment on time.   XXXX   XXXX   #  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Debt collection (Mortgage) with U.S. BANCORP (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been a customer of US Bank for over 15 years, My mortgage is due on the XXXX of each month, but not past due until the XXXX of each month. I refinanced my home with them a few months ago, now I get collection calls starting on the XXXX of the month and multiple statements showing a past due amount, when in fact, nothing is past due. I have gotten over XXXX calls from their collections people in the past 2 days, even after I called them and told them that there is nothing past due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: I received a letter from M & T Bank that stated I needed to call to update information because of a change in regulatory requirements. That 's fair enough. 
The problem is that the phone number listed does not show up as an M & T bank number in an online search. Plus, anyone who wanted to steal account information could simply copy the letter, but change the phone number. The letter should direct the recipient to look up and call a number they can independently confirm to be an M & T bank number. 
The push-back I received was that they needed to have a new number because otherwise their customer service number would be overloaded. While that may be true, that means that they need to invest in their customer service infrastructure and provide a way to let callers quickly and easily select an option to respond to the letter. 
Directing callers to a random phone number to update bank account information is more than foolish. It sets a terrible precedent for future communication of sensitive information, and it provides a template for scammers to gain access to account information.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Payday loan, title loan, or personal loan (Payday loan) with JPMORGAN CHASE & CO. (TX).
Issue: Can't contact lender or servicer

Complaint: I am having a problem wi th Chase  updating my transactions with   XXXX   XXXX   with whom I use on a weekly basis for extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Dear CFPB, I have a high level issues for you today, XXXX you are likely aware of already. 

My student loans were recently switched from XXXX XXXX to XXXX, which is a subsidiary of XXXX XXXX, per a restructuring of XXXX XXXX loan portfolio. Shortly thereafter, I engaged a XXXX Income-Based Repayment ( IBR ) program, in XXXX XXXX specifically. The original XXXX XXXX accounts related to my loans were closed ( standard procedure ), and new ones opened up with XXXX for this IBR plan ( also standard ). 

As a result, the average age of my credit accounts was reduced significantly, even though the actual DEBT is the same debt I have had since graduating both XXXX ( XXXX ) and XXXX ( XXXX ) programs. The move to an IBR plan helped me financially as I am able to better service the loans, save money for a house and invest in the stock market ( and employer XXXX ). 

So in essence, I 've made the right moves to better balance my financial obligations, long-term investment plans and economic consumption ... but I am penalized on my credit report for a shorter duration of accounts because the XXXX IBR constitutes a new account ( XXXX to be exact ). On the plus side, I reduced the number of student loan accounts I previously held from XXXX to XXXX, but that is a different issues altogether ( classification and organization of debt accounts can be detrimental to credit reports even if that debt is attached to XXXX overall degree program ). 

I 'd like to ask for your collective brain power on this : should I be penalized on my credit reports for making good decisions about my debt obligations? I feel that goes against the spirit of our credit system, but I am just XXXX XXXX, right? 

Thanks for listening, would be happy to engage in a dialogue at your convenience. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (MN).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted and it was confirmed that all documents requested were received and on XXXX XXXX, 2015. Caliber was supposed to cancel the sheriff 's sale date set for my home on this date, it is now XXXX XXXX, 2015, the Caliber web site states the following about my account : " At this time, all necessary documents to complete the review of your request have been received by Caliber Home Loans , Inc . The review will take up to 30 days to be completed and a decision provided to you. '' Again, it is now XXXX XXXX, 2015 and will be XXXX XXXX, 2015 on Monday. Caliber has not cancelled the sheriff 's sales as required by Minnesota law. My HUD agency and housing specialist at XXXX XXXX XXXX, XXXX XXXX called Caliber to inform them that Minnesota law requires their cancellation of the Sheriff 's sale once a modification review begins and all documents are received. XXXX also called Caliber 's law firm : XXXX, XXXX, and XXXX at XXXX to inform them that Caliber is breaking the law by not cancelling the sale once all mod documents are received and a review is underway.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Debt collection (I do not know) with Mutual Management Services LLC (LA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Have received multiple phone calls to my cellular phone from a debt collector at XXXX asking for a person that I do not know ( XXXX XXXX? ). I have told them on multiple occasions that they have the wrong number and that I do n't know the individual they are looking for, however, they keep calling back. I received a voice mail from them again today and I returned the call to notify them that they have the wrong number for this person and that I do not know anyone by that name. Each time I started to explain to him that they have the wrong number, he hung up on me. So I called back twice more. The second time he hung up again and the third time I called he started saying obscene things like " maybe you keep calling back because you want to give me a XXXX or you want XXXX '' and " can I look you up on XXXX. '' I told him I was going to report them for harassment and he continued to say obscene things until I hung up. He never agreed to remove my phone number from their records. I asked him repeatedly for the name of the business he worked for and what his name was and he would n't give me either, just kept repeating obscenities. He had a thick accent, so I could n't understand what the name of the business was when he answered the phone. I did a reverse lookup for this phone number and the XXXX XXXX shows it as a " suspected spam '' debt collections company in XXXX, FL with multiple spam reports.

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 02/20/2018 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Struggling to pay mortgage

Complaint: I say this every time I turn in a complaint ... i don't know why I am bc you won't do anything about it ... short and sweet ... im adding to ocwen fraudulent paperwork ... in which they are suppose to be checking on and of course nothing ... they sent me answers ... yet again to something different ... but I will add it to my govt list and the judge too ... aling with the other answers I am waiting on ... how is it that gmac went out of business in XX/XX/XXXX ... but ... assigned my mortgage to ocwen in XX/XX/XXXX????

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit card () with AMERICAN EXPRESS COMPANY (MA).
Issue: Delinquent account

Complaint: I Had been a member of XXXX XXXX since 1980. During that time I have kept the account in good order and have had perfect credit for the past 30 years. 

I am a XXXX in the XXXX XXXX Area and have had some difficulties in recent months having lost XXXX sales. This had greatly impacted my cash flow. I fell behind in payments to XXXX XXXX as a result of this and have attempted to work with them to bring the account up to date. 

During various conversations with XXXX XXXX, I have been given information which has varied, to say the least. I was informed that if my account did not reach 120 days late ( which it had not ) it would not be reported to the credit bureaus. I aggressively paid down the balance which has been paid in full. The personnel that I had spoken with ranged from being very nice to badgering and somewhat abusive. 

I was recently informed, without notice, that the account had been cancelled and reported as such to XXXX XXXX XXXX and XXXX by XXXX XXXX despite previous representations that it would not be reported. With this derogatory information on my credit, it could cripple my business. I rely upon construction loans from lending institutions to operate my business and my fear is that this negative information will prevent me from obtaining this needed financing going forward. 

Additionally, XXXX XXXX has assessed service charges on this account which totalled more than {$10000.00}. The rate of the service charges was 2.99 % per month on the outstanding balances. I was also informed that I had lost over XXXX points that I had accrued through the use of this card prior to this difficulty. 

Any assistance that you can offer in this matter will be greatly appreciated. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.

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 04-07-2015 about Debt collection (Payday loan) with Pinnacle Asset Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recieved a phone call from PAM, LLC while I was at work. When I called them back the woman whom I spoke with said that I took out a XXXX $ loan in XXXX and never paid it back. Further more she accused me of closing my bank account so money could not be taken out as payment. I told her that I did not do any of that. I looked into a loan but never took XXXX out. She go angry and trie to proove her self by telling me my Social Security Number, Email Address and Phone number. She said I could pay her over the phone or meet to try and avoid the corts. I told her I wanted proof so she e-mailed me a colection notice. 
After two days of recieving the e-mail I recieved another phone call by this time I had recieved all bank statments as well as confermed with my bank that I have had a open bank account seince XXXX. I said I would meet too look at any real evidence but I would not pay by phone. She got angry and said that they do not meet and that because I am not going to pay that this will go to the next level of action.

Company response to consumer: Untimely response
Consumer complaint received 10-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I am having a problem with Transunion. When I checked my credit report in XXXX, there were no inquiries on my report. I just looked over my latest report and found that XXXX inquiries were reinserted into my credit report from XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I was never notified of the reinsertion. I called and Transunion says they can not help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (PA).
Issue: Making/receiving payments, sending money

Complaint: I applied for a line of credit with care credit thru GE I as originally denied but was told I would be approved if I had a cosigner. I got a cosigner and was approved. I received a welcome letter and XXXX cards in my name. When the bank changed to Synchrony bank I received another letter. a few months later I called Synchrony bank due to not receiving a statement and I was told that I did not have an account. I argued with the rep to no avail. They said my cosigner was the only one on the account and I was just an auth user. The only info they have on my cosigner is name, ssn and dob. No phone number, no address, no employment was ever disclosed on the online application that was in my name. This was about a year ago. Now I call into Synchrony bank to get a payoff and they are saying again that I am not allowed to get any info. Also, I have been making more than the min payment amount and some months pay XXXX or XXXX payments a month. Synchrony bank does not credit my account for payment for the month paid if the payment is before the due date. that 's right. if you pay your account on the XXXX of the XXXX for your XXXX bill which is due on the XXXX your payment is posted to XXXX and you are then considered late pay and hit with a late fee and additional interest. I pulled the payments on line from both my bank statement and the payment postings on my Synchrony statement they all do show up each and every month, not missing a month and some times XXXX or XXXX payments a month but some were posted before my due date so they were not applied to that month. So I am being punished for making additional payments during the month to pay off the loan sooner and Synchrony stealing from me. I am not trying to pay months ahead I pay each month for that month and add more payments to lower my total amount to be charged interest, I am sure that I am not the only person this is happening to I have read many online complaints and it seems to be their standard practice. I totally see and will seek a class action law suit against synchrony 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