milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: This is our second complaint regarding our mortgage company ( Caliber Home Loans ) and our efforts to secure a loan modification. Our original complaint # was XXXX. We are submitting another complaint as we continuously believe that the escrow amount that Caliber has assessed is more than XXXX what is needed to cover all taxes. As a result of our original complaint, Caliber claimed that the total of all of our taxes are {$580.00} per month which we agree with. They are adding {$880.00} onto the {$580.00} for a total of {$1400.00} just for our escrow. This is more than than XXXX what is necessary. Consequently, our total mortgage payment is ridiculously high ( {$2300.00} ). We have been trying for some time to get a loan modification with Caliber. It has been difficult to say the least, and efforts to get any questions answered via phone is impossible as customer service representatives are unable to answer questions or direct us to someone who could answer the questions. Caliber recently offered us a loan modification agreement which resulted in the {$2300.00} per month payment which included an interest only payment of {$200.00} which we understand and {$690.00} which is an ancillary payment over a XXXX month period to cover taxes paid on our behalf. We understand this as well. Then, an escrow payment of {$1400.00} is being added onto that for our current and future taxes. The total of our taxes per year is {$7000.00}. When we reviewed Caliber 's breakdown that they revealed in the original complaint, {$580.00} per month was necessary to cover the {$7000.00} taxes for the year, and then they added {$880.00} per month onto that for a cushion. We feel that this escrow payment is ridiculously inflated and unnecessary ; however, Caliber will not consider a review to possibly reduce it. At the end of the year, with an escrow payment of {$1400.00}, we would have accumulated {$17000.00} which is enough to pay this year AND next year 's taxes and STILL have some left over. We just do n't understand this at all. Please please please help us with this. We appreciate any help you can give us. To be honest, we are totally disgusted with Caliber Home Loans, and we do n't trust them at all. The loan modification process was a nightmare as they told us that they do not participate in President O'Bama 's modification programs and would have to rely on their own in-house programs. We have watched unexplained charges accumulate at an alarming rate over the course of a year as well. We did n't choose this company, we inherited Caliber. At this point, we just want the truth and an honest loan modification that we can trust and have faith in. The fact that Caliber representatives can not answer our questions or direct us to someone who can is so alarming and has us believing that this company is dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with Shellpoint Partners, LLC (PA).
Issue: Closing on a mortgage

Complaint: MY MOTHER TOOK OUT A LOAN WITH XXXX  ON XX/XX/1998 AND HAD SINGLE LIFE INSURANCE ON THIS LOAN IN CASE OF HER XXXX WHERE THE LOAN WOULD BE PAID OFF SO THAT MY VETERAN FATHER WOULDN'T HAVE TO WORRY ABOUT ANYTHING. 

LAST XXXX THE LOAN WAS TRANSFERRED TO SHELLPOINT MORTGAGE AND SHE WAS TOLD THAT THE INSURANCE CONTINUED WITH THE NEW COMPANY AND NOW THAT SHE HAS XXXX THEY ARE SAYING THAT IT WASN'T TRANSFERABLE AND THEY NEVER TOLD HER OTHER WISE AND NOW SHE HAS XXXX   XXXX.

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 CITIBANK, N.A. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a total of 7 inquiries on my credit report, but I do not know what 3 of them are. 
XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX Citibank - XX/XX/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 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: The credit freeze process is burdensome and needs to be streamlined like the ease of obtaining credit reports. 

I filled out one form for all 3 agencies through XXXX, and got a credit report from all 3 with ease.
Each 3 companies have different hoops to jump through, and make it impossible to freeze credit reports online. 

Since they all sell monthly monitoring for a fee, their pay services are front and center. 

It seems they want to make it hard to obtain freeze online so you will give up and buy their service. 

I realize with the XXXX data breach things are quite busy at the reporting agencies. 

Try freezing your own credit online and see for yourself how this does not work well at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: They are abusing the people. Im not done with school and im afraid to go back. When i stopped going it was for the XXXX 3 yrs ago. I left oweing almost XXXX and i currently oweing almost XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I obtained a loan modification from Ocwen. My statement shows that Ocwen took {$1700.00} from my escrow account as a Loan Modification Balance Adjustment. It is my understanding that only taxes and insurance are to be taken from my escrow account. Those payments were also taken out.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Hi my name is XXXX XXXX, I live in XXXX California. I have a loan with NationStar Mortgage and iver been trying to get a loan modification from them for some time now. I have gave them all requested documentation and I have a sale sate scheduled for this property on XXXX XXXX, 2015. I 'm worried that they will not postpone the sale date due to some odd regulation they might make up on the way to just sell my home. I do n't know how much longer I will have to be working with them to receive a loan modification. Please help me to receive a good modification for my home so that I could pay my mortgage and not live on a stressful day to day basis with the foreclosures. 
I really want to work with them and I want them to do the same. I do not want them to play games and give me a loan modification that will be higher then what I used to pay before. ( It seems as though that 's what every company is giving out these days. My friends complaint about this issue too and im really hoping that we can get this resolved. 
Please help with the sale date its very close. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Student loan (Private student loan) with AES/PHEAA (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I paid off my student loan on XX/XX/XXXX in full. There was an {$630.00} overage. I told AES about it. They stated it would be returned by mail ( check ) within 30days. I have no received anything yet and every week I e-mail them asking. All the say is that I am owed {$630.00} and it will come approximately 30days from when I paid my loan in full. It has been almost two months and they are not refunding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (Credit card) with Dynamic Recovery Solutions, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Well, this collections company sent me a letter in the mail recently stating that I owe a debt in the amount of {$2200.00}. However, it is passed the statue of limitation because the debt was all the way from 2002.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: XXXX  applied an impound account to our mortgage due to unpaid property taxes (  XXXX  ). These taxes were included in our bankruptcy and should not have been paid to  XXXX . Our attorney opened a motion with the courts and  XXXX  then removed the impound account. Looking back at our monthly payments with   XXXX   during the time they applied the impound account it looks as if they miss applied the funds making it look as if we were a month behind. Moving forward  XXXX   sold to Green Tree and then to Ditech. O ur final payment to  XXXX  was on  XXXX / XXXX /  XXXX   but was applied to  XXXX  instead of  XXXX . We were still in bankruptcy so we were unaware of this, as this is not noted on any of our statements. At the end of our bankruptcy in  XXXX  we were contacted b y Ditech sayi ng we were 30 days late on our payment. We have disputed this with  XXXX ,  Green Tree and Ditech. Nobody from any of these companies have given us a date as to when a   payment was missed. It all started during the escrow impound account that   XXXX    imposed on our account. We have bank statements showing all payments were made. There should be no late payments reporting in   XXXX  . Please review proof of payment history and Bankruptcy documents.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Fraudulent inquires have posted to my credit file I did n't NOT Authorized I should have police reports on file with company as I 'm an victim of ID Theft this is FRAUD and I 'm demanding these Inquires be removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have 3 public records listed on me credit report with XXXX. I have requested that information be verified that it belongs to me. After multiple reply from XXXX indicating that they have verified the information. Which turns out to be not correct at all. I contacted the courts that reported the information. The information is not correct as well as I was told by court that it is against there policy to verify any accounts by phone or mail. The only way to verify account is go to court records in person. XXXX has not done this and should not be reporting the information because I have asked for proof of ownership. and required by law they need to provide. They have not verified the information in any way. No rep of XXXX has been to courts. This should be removed from my credit file ASAP. They are breaking the law and things need to change.

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 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (WA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I have placed a credit alert on my credit profile with all three credit reporting agencies when I was a victim of ID these with the XXXX I recently applied for credit with XXXX and XXXX to get new service, and I was denied credit and was required to give a deposit. I have a credit score on average XXXX out of XXXX, I recently applied for credit with XXXX a month ago and I was approved with a credit limit of {$22000.00}. The issue I am coming across with XXXX, XXXX and Equaifax, that my security alert on my file is automatically denying me credit. I called Equaifax and now they can not find my credit report and It is really annoying that I have to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX and XXXX XXXX applied for a modification with PennyMac mortgage and they received the modification however, the value of the home is {$210000.00}. The modification is for {$510000.00}, which PennyMac told us that we could refinance after 6 months of on time payments. We met the 6 months on time payment on XX/XX/XXXX but PennyMac did not keep their end of the promise. We were told that {$220000.00} was written off, that is it, and that is all. " You and XXXX XXXX do not qualify for a refinance and we are not writing off any more of your loan ''. My husband gave me a XXXX XX/XX/XXXX and now my husband has been diagnosed with XXXX. We need PennyMac to refinance our house because my husband medicines along with my medicines are costly. We do not want to lose our home but we do want PennyMac to work with us to keep our home. We have also gone to the Illinois State Attorney. The solution has not been reached with the Illinois State Attorney but the Veteran Administration told us to write to CFPB for help. Yes, my husband is a US Veteran.

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 EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The debt in question is in dispute, and according to the Fair Credit Reporting Act, National Credit Systems , Inc. has stated they reported this debt to all XXXX credit bureaus in the latest letter we received. Once more, we gave evidence to show them per their request, the issues surrounding our " special '' circumstance as to why we no longer live at the address in question. Instead of handling and actually looking into the matter, we got a " robo '' letter with changed dates from one of their many locations of their company sent to us with the same explanation as to how they do not see sufficient evidence to validate our claim. I believe we are fighting with a computer and not an actual company. I believe now I am going to have to fight back and take action, and I am beginning with you. They must comply with the Fair Credit Act and take us off the credit report. It is against the law when a consumer is disputing a debt to still report a debt. I am sure the fines they would get from the government for this would outweigh my debt tenfold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: Citibank is refusing to refinance an existing loan to lower the interest rate and they refuse to do so unless I open a checking account or savings account with them. I had those types of account that I closed in the past. The supervisor I spoke with told me that I would need to open a checking and/or savings account and financed it before I can make application to refinance the loan

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Credit line increase/decrease

Complaint: I had opened a Chase credit cards in XXXX I called and requested a credit line increase which was granted and it was increased to {$4500.00}. In XXXX I noticed on my credit report that it stated my credit line had decreased to {$3000.00} and is now going over the credit limit. I was in no way by phone or mail notified that this is a temporary credit line increase. I have disputed this with the car company and have gotten no answers they state that they have no phone records that they can provide for me because if they did it would prove that I was not notified of this. I feel I have been illegally bound to terms that I did not agree with I would like all three credit reporting agencies to respond to me in 15 days with proof that I was in fact correct that this was done illegally I would like this account closed in good standings with a XXXX balance because of what Chase has done to me if they can not provide proof of this I feel that is fair I did not want my credit reported negative in any way shape or form as this was not my fault as a consumer and it was illegal I have attached proof on my credit report stating the drop in the credit line and now because my credit is showing over the limit I can not receive any more credit from this company nor any others I have also lost {$500.00} because I was in the process of refinancing my home and had to pay for the appraisal and now it will not go through because of what they have done to me

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other service problem

Complaint: Hello, I was using XXXX constantly for sending/receiving XXXX. But because I visited XXXX XX/XX/XXXX-XX/XX/XXXX this year, my account was disabled because of sanctions between XXXX and US, I guess. I received an email which said I need to contact support team of Coinbase to enable my account, but I could n't reach them for the last 2 weeks. I am reaching you with the hope that you can help me enable my account, or at least help me get back those funds left in my account. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX and XXXX XXXX XXXX loans. My XXXX loans were sold to XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX. I was never notified that this happened because I moved, nor was there any worries about making payments since XXXX XXXX approved a loan forbearance. I disputed with XXXX that I had XXXX student loans in forbearance and XXXX XXXX placed them in forbearance as well ; yet, when XXXX XXXX sold loans to XXXX, XXXX did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance Loan Declaration.pdf for forbearance dates that XXXX XXXX agreed to honor ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXX and sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, XXXX XXXX XXXX reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at XXXX on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to XXXX XXXX XXXX and can not make any changes to the credit reporting. I disputed the inaccuracy with XXXX and they upheld the credit report and made no changes. I have attached credit reports of my XXXX and XXXX report for reference. **Update : I reviewed my credit report and the Charge-Off in XX/XX/XXXX seems to have fallen off ; however, as retaliation XXXX has reported a " Failed to Pay '' in XX/XX/XXXX. The account was consolidated and XXXX was Paid in XX/XX/XXXX. Also, this is the same dispute I have with XXXX XXXX XXXX. I have attached their response ( XXXX Response.pdf ) for reference. Please note the XX/XX/XXXX date that XXXX has been reporting delinquent, but was not the account holder until XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH).
Issue: Deposits and withdrawals

Complaint: I told First Merit Bank employees on XXXX XXXX that my wife and I would file complaints against it with the CFPB. Simultaneously, I presented a corporate dividend check for {$3.00}, cashed it, and then deposited the money into my checking account, as has been the pattern I have utilized cashing and depositing for the past five years. However, in retaliation, First Merit Bank employees at the XXXX XXXX, Ohio, branch afterwards put a hold on the check. Since no holds were ever placed previously on at least 99 % of my checks, it is obvious that First Merit Bank maliciously placed the hold in retaliation. Moreover, no employee of the bank notified me that there would be a hold placed on the {$3.00} check. First Merit Bank 's practices are against the interest of the public From the bank 's website re my account :. Date Type Description Withdrawal HoldXX/XX/XXXX HOLD {$3.00} HOLD ON {$3.00} DEPOSIT {$3.00}

Company response to consumer: Closed with explanation