milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2017 about Mortgage (Conventional home mortgage) with WESTERN UNION COMPANY, THE (PA).
Issue: Closing on a mortgage

Complaint: I have a mortgage with XXXX XXXX for my property at XXXX XXXX XXXX XXXX, PA XXXX. The loan number is XXXX and was originated in XXXX. It is a 15 year mortgage however I opted for an accelerated payment schedule whereby I would pay twice a month. I was told by my mortage broker that this would reduce 4 years off the length of my mortage. 

I have been paying consistently on this loan and expected that it would be satisfied in XXXX I made a series of calls to verify and discovered that the loan will not be satisfied until XXXX. 

At the time of the loan origination XXXX XXXX had a contractual relationship with XXXX XXXX to manage the accelerated payments. I was not aware of this until I called. As far as I was concerned they were one in the same. 

I have never been given a scheduled for the accelerated payments. I never signed or approved of the schedule. I would not have accepted this if it only saved one year on the length of my mortgage. Paying twice a month was a sacrifice and I would not have done it to save one year on the length of the mortgage. 

OnXX/XX/XXXX I had a conference call with both XXXX XXXX and XXXX XXXX. The person from XXXX said that their process was to have the borrower do an automated phone call to set up the loan schedule and that confirming documentation would have been sent. I do not remember any such call. It is my contention that they set up my loan schedule without consulting me because I never would have approved something that only saved one year off of my mortgage. This same person indicated that he was sending the same package of documents to me so that I could review them. I never received any documents which is further proof for my claim. 

Additionally, I am referencing the disposition of an XXXX XXXX fraudulent claim. Pursuant to this action, I am entitled to damages. 

CFPB Takes Action Against Mortgage Payment Company And Servicer For Deceptive AdsXX/XX/XXXX Consumers Deceived by XXXX XXXX XXXX to Receive {$33.00} XXXX XXXX, XXXX. The Consumer Financial Protection Bureau ( CFPB ) took action today against XXXX XXXX. and XXXX XXXX XXXX for deceiving consumers with advertisements for a mortgage payment program that promised tens of thousands of dollars in interest savings from more frequent mortgage payments. Under the terms of the orders announced today, XXXX will return {$33.00} million in fees to consumers and pay a {$5.00} million civil penalty to the CFPB, and XXXX will pay a {$100000.00} civil penalty. 
Deceptive advertising has no place in the financial marketplace, said CFPB Director XXXX XXXX.  Todays action is delivering relief for consumers deceived by XXXX  and XXXX, and sending a clear message that these practices will not be tolerated. 

I will continue to file complaints until one or both of these parties provide the information that I am entitled to. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Struggling to pay mortgage

Complaint: Purchased a home XX/XX/XXXX financed thru XXXX XXXX XXXX. I suffered multiple hardships throughout XX/XX/XXXX and in XX/XX/XXXX, I requested hardship assistance from GMAC regarding my mortgage because I was struggling financially. Instead of helping me, GMAC started the foreclosure process against me in XX/XX/XXXX. After months of anguish and worry that my children and I would soon be displaced and homeless, GMAC decided to walk away from and rescinded the foreclosure process. In XX/XX/XXXX, GMAC approved a loan modification for my mortgage. However, GMAC inflated my mortgage balance and extended the term of the loan to XX/XX/XXXX effectively keeping me in the poor house while they get richer from exorbitant interest charges over a longer loan lifetime. 
Original mortgage XX/XX/XXXX = {$130000.00} Reaffirmed during Bankruptcy XX/XX/XXXX = {$120000.00} Mortgage balance as of XX/XX/XXXX = {$110000.00} Someone please explain to me how my principal mortgage balance decreased {$13000.00} within the first 5 years and has only gone down {$3400.00} in the subsequent 9 1/2 years?!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: I am outraged that Experian is using their recent security breach as an opportunity to market credit protection services to me. If they are so sloppy and careless about protecting consumers data, why should I trust them to provide a value added service? Have they already been selling consumers identity information to criminals? Are they planning to compromise the information of the XXXX milliion XXXX consumers who do n't pay the ransom? Please begin an immediate investigation into Experian and prosecute any and all executives involved on criminal activity or conspiracy.

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 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: OnXX/XX/XXXX i paid a real estate loan in the amount {$6900.00}. 
On XX/XX/XXXX i paid a credit card balance of {$4800.00}. 
Over the last 3 months i paid the balance on 3 other credit cards. 
None of the credit cards were canceled they just do n't have a balance. 
When i started paying my debt. i had a Transunion credit score of XXXX and XXXX score of XXXX. 
Once these payments were reported my transunion score dropped to XXXX and XXXX to XXXX. 
Because of this i was denied a loan at a bank. 
All of my payment history is good no late payments.

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 07-07-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have contacted credit reporting agency Experian multiple times by regular mail, by certified mail, I have asked them for method of verification, and continue to respond as asccount veryfied, How could this be possible if I contact XXXX on account # XXXX and they do n't have the information that Experian is reporting. They simply ignore any request your send to them and respond with their automated system. I need this matter taken care of and have this account deleted as it is erroneous and useless in my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me. 
This has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have never had the service of XXXX XXXX. I have now called them twice and verified that fact through my social security adresss and DOB. This is an odvious result of my ongoing ID theft issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have paid on my student loan, taken out for XXXX for 7 years and despite being in good standing making my payments I have paid off Negative 12 percent of my student loan. According to my calculations I have paid over {$15000.00} and I still owe more than the loan was taken out for. I have called them countless times over the years and they refuse to do anything. At times they would let me pay {$100.00} to not have to pay for 3 months but I still accumulated interest. I think I did this once or twice. I have begged them for loan payment options and was berated every time, they said because my parents co signed 2 of my 2 loans I can not lower my payment unless THEY ca n't afford the payment, even my biggest loan that I talked about above that is not co signed by anyone. How can I pay something for 7 years and be in the negatives for repayment? They have lied to me so many times and never have any help.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Credit card debt) with Servatus Corporation (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Credit Solutions is reporting a debt that was charged off by a credit union more than 5 years ago. It is past the statute of limitations on the debt. To cause me pain in an attempt to force me to pay it they have re-aged the debt to make it look recent thus impacting my credit scores and causing me to be declined for a home loan. The original debt charged off back in XX/XX/XXXX. Credit Solutions is reporting that the debt opened in XX/XX/XXXX which was past the statute of limitations at the time they opened it and they knew it. They have never attempted to contact me to verify this debt. NO attempt at all has been done to validate the debt which is a direct violation of the FDCPA 809 ( b ) FTC XXXX XXXX. The reporting is completely inaccurate and they know it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Student loan (Non-federal student loan) with Genesis Lending (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I attended XXXX XXXX XX/XX/XXXX -XX/XX/XXXX ( a XXXX XXXX ). All of my loans were forgiven by XXXX Acct. # XXXX in XX/XX/XXXX. Genesis should have been included in this. They need to stop sending me notices as I am XXXX and will not be paying back any loan unless I receive help from the government myself. Please check this out and inform me of your findings.

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 07/27/2016 about Credit card () with DISCOVER BANK (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A month ago my husband XXXX XXXX and I became victims of an outrageous scam. It all started with a phone call from someone who introduced himself as an " IRS agent ''. He said we had some outstanding tax charges ( we did not! ) and he was very aggressive on the phone. He gave my husband a really hard time basically saying that if we do n't pay immediately, my husband will be arrested. All of this continued for 2 days while those " agents '' kept my husband on the line non-stop, not giving him a chance to think clearly. He was drawn into a state of causeless fear, and so did I. We withdrew our savings, used credit cards and borrowed from other people. It was a disaster. All of the money was sent via XXXX gift cards. We filed a police report at our local police station, but the police officer told us it will be really hard to recover anything of what we 've lost. 

One of the credit cards my husband was tricked by those criminals into using was his Discover credit card that literally had XXXX outstanding balance before that scam happened. And then in a single day it got maxed out, thanks to those crooks. We are both devastated. There is an official police report that proves that it got maxed out because of the scam. It was due to a CRIMINAL ACTION. We DID NOT spend that money on life 's pleasures. My husband talked to Discover customer service reps a couple times and they keep saying it is our responsibility now to pay out the card. Really??? Please help us resolve this. We feel hopeless and the whole situation is very depressing.

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

Complaint: " Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. '' " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from XXXX through XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' " The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. '' I have done what should be done - 90-day fraud alerts set up, checked my reports to see if it 's been used yet and it has n't - but, the fact that Equifax ADMITS IT HAD A VULNERABILITY ( IT KNEW ABOUT ) is absolute XXXX. They should have fixed it LONG before someone was able to find and use it. HUNDREDS OF THOUSANDS of people had their information read/stolen, and all anyone can do now is sit and wait and hope they were n't picked. I want them held accountable for their XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Mortgage (Conventional fixed mortgage) with TRUSTMARK CORPORATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Loan application was processed, but lender did not provide the " Loan Estimate '' Disclosure as required within 3 days.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I recently brought a new house in XXXX 2015. After buying the house throughXXXX XXXX XXXX XXXX they sold to mortgage to XXXX XXXX. 
However, XXXX is displaying on my credit report, so it shows that I 'm payingon over XXXX dollars in debt. The house cost {$220000.00} and it showstwice on my report. XXXX has sent an control number ( XXXX ) the XXXX and Trans Union andthey have yet to correct the error. Since I have gotten denied credit because itshows I have to much debt. I request to have Primary removed or correctedASAP! Please assist me with this issues as the agencies have had over 3months to correct this error

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Settlement process and costs

Complaint: I have called XXXX times to Bank of American to remove my PMI and I was told each time that they need me to complete forms that they will not send. They say they send them but after calling XXXX times to ask why I have yet to receive any forms they just tell me they mail them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2015 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Six months ago, I paid an extra amount to be applied to the principal of my mortgage, however, the mortgage company ( Freedom Mortgage ) did not apply the amount to my principal, but listed it as " unapplied. " All my attempts to contact them have failed ( phone, email, and U.S. postal mail ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX XXXX XXXX. This account was opened on XX/XX/XXXX - and currently has a balance of {$550.00}. In XX/XX/XXXX, I disputed this account via XXXX XXXX and the findings came back unfavorable. I called XXXX XXXX XXXXXXXX on XX/XX/XXXX and explained that I have a debit card with XXXX XXXX XXXXXXXX, but no credit card. I was given the run around and transferred to numerous agents with no resolve.

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 11/28/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (PA).
Issue: Trouble during payment process

Complaint: On XXXX/XXXX/2017, I requested the name and contact information for the investor that owns my loan which is currently serviced by XXXX XXXX XXXX. To date, I have not received a response from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Tried setting up a gemini wallet, was automatically blocked due to my bank not allowing me to go external. I want to set up this digital wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (I do not know) with Carter-Young, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently viewed my credit and noticed an account that does not belong to me and has seriously affected my credit profile. Carter Young Inc. is handling the collection of this account which is a false account. After reviewing my records, I am unable to find any documentation of any contractual relationship between Carter Young Inc. and me which makes them a person entitled to enforce a commercial claim against me. They have not provided any proof of contract to substantiate their claim. Such as a certified copy of an original contract with my signature, specifically naming Carter Young Inc. as a business entitled to enforce a commercial claim against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax had a major data breach recently and there is hard inquiries on my credit report that are fraudulent, unauthorized and do n't belong to me. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Bankruptcy reports not removed in timely manner from Equifax despite disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Payday loan () with CASH AMERICA INTERNATIONAL, INC. (OH).
Issue: Can't stop charges to bank account

Complaint: Could n't pay a loan company for a loan due to lost job, explained I was working part time, will begin payment around the XXXX week of XXXX in low installments, did n't give amount due to was n't sure of my paycheck and other priority bills. This was explained to representative who called, last week or the week before. I notice that they attempt a new draft for a different amount to my bank. I made myself clear to them that I had no other choice or money to pay them, they are causing more issues with my bank account which was to be closed and was n't by the bank themselves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (Other debt) with TekCollect Inc. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX did n't provide the service when they visited my property at XXXX XXXX XXXX XXXX, XXXX, OR XXXX. They generated false invoice asking me money to pay them. I disagreed and asked them to show me evidence of their work. I never agreed to pay them without performing the job. I also suggested them to go to court if they believe I owe them money. They contacted TEK collect ( collection company ) to get the money from me. TEK collect contacted me and I disputed with them. I asked them to have XXXX XXXX show their evidence ( pictures or witness or so ). TEK collect accepted their false invoice as evidence without any regard to investigate more and did n't want to agree to my dispute. I contacted their supervisor about it and reported my dispute. Even then they put my collection to XXXX. I contacted XXXX to dispute. XXXX suggested me to file complaint with FTC and provide them a report of my complaint. I have also attached my dispute with the supervisor at TEK Collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation