milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-09-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We sold our home in XX/XX/XXXX. Our payment funded immediately and we should have received a refund check for our escrow account in 30 days. 
Myloancare.com claims to have sent an escrow refund check to our address and that it has been cashed. We have not received this check since it was supposed to be sent ( XX/XX/XXXX ). Myloancare.com customer service claims the check has been cashed, but will not provide the proof of the cashed check nor who cashed the check. Also Myloancare.com refuses to re-issue a check or make a claim to their bank account about a wrongly cashed check. We have been waiting for several weeks for proof of cashed check with no response. I called last week and they told me a supervisor would call me within XXXX hours and they have not called.

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 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX  Report # XXXX ; XXXX Confirmation # XXXX ; I am filing this complaint because XXXX, Transunion, & XXXX have all failed to provide me with the documents that their companies are required by law to have on file. these are the same files that were used to verify my accounts I disputed. Being that they have gone past the 30 day mark they can no longer verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA..it states they are required to ... .... '' promptly delete all information that can not be verified '' that ive disputed. I will really appreciate your help since I haven't been getting help from the bureaus I hope you will resolve this issue promptly business and profession acct # XXXX business and profession acct # 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 06/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (HI).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2014, XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid my credit card bill over the phone in XXXX 2010 with XXXX. The money was never taken out of my checking account and I was never informed either by mail or email or phone that the payment did not go through. In addition, they had my incorrect phone number ( Current number XXXX ) and my incorrect mailing address which was updated the last few days after I found out they reported my payment late. I have never missed a payment in over XXXX years and this is an error on their part. I am asking you to request to them to remove this late payment from the XXXX major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt came from XXXX XXXX who reported the debt to XXXX in XX/XX/XXXX however I submitted the receipt and they sent a letter they would remove the information. In XX/XX/XXXX now the same debt is with Southwest Credit Systems. I asked them more than once to remove this inaccurate information however it still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX XXXX is listed as a separate account with a balance due for a charged off account that is still reporting beyond XXXX years. The last activity on the original XXXX account predates XX/XX/2009 and it has been charged off and taxed as income. The account balance on the original is XXXX and this attempt to duplicate it after charge off is unscrupulous.

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 08/17/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (ID).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX we started modification on our home mortgage with Ocwen Financial. They drug their feet so long we finally had to file for a chapter XXXX BK in XXXX XXXX. It was discharged in XXXX XXXX. The following year, XXXX XXXX, they decided they would modify our home loan. From XXXX to current we have rebuilt our credit and have been current on the loan to this date. 

We are in the process of refinancing the loan to gain a lower interest rate. When we pulled our title we saw the XXXX was never released as a current lien. We have been waiting to close since XXXX XXXX, XXXX but ca n't until Ocwen gives us a release of lien. 

As per the statue of limitations ( 5 years of none collection ) it has been since XXXX XXXX, XXXX was the last recorded payment which is 8 years. Plus the XXXX was included in our chapter XXXX bankruptcy. 

Our attorney sent them a demand letter XXXX XXXX, XXXX stating the Idaho code section 6-411, 5-214A and 6-413 to remove the deed of trust ( XXXX ) and gave them 10 days to deliver. They sent us a letter saying they needed until XXXX XXXX to accomplish this. XXXX XXXX we got another letter extending to XXXX XXXX, XXXX. XXXX XXXX came and went and no release of lien and not letter explaining why. 

I have called them numerous times and only get a voice mail. We are against the wall as they are not adhering to Idaho Code and Bankruptcy laws. 

Please help us obtain our objective. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax continues to report a XXXX credit card on my credit report as an authorized user. I want this to come off my report as I am not responsible and not an authorized user of this specific XXXX account. I have requested this twice over the past XXXX months and this account is still showing up under my report. 
There should only be XXXX XXXX Bank Credit Card on my credit profile and not XXXX! XXXX is mine and my obligation while the other is NOT my obligation and should be removed ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Problems caused by my funds being low

Complaint: I received a response to my complaint against US Bank ; however, I have not received the refund, nor my account statements in question. This has happened once before in 2009 and is a current issue as well. I believe that I am owed more and would need to investigate the transactions for overdraft fees. The CFPB file number is 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 07-01-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Deposits and withdrawals

Complaint: Without my Permission Bank of America created 3 electronic payment transactions and debited all of my funds out of my XXXX XXXX Checking Account ( they left me with {$96.00} --. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX, XXXX my credit report was used without my consent from XXXX and 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 06-09-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have my mortgage currently with Nationstar Mortgage. In XX/XX/XXXX/XX/XX/XXXX, I was notified by Nationstar that my policy needed a floodi insurance policy attached and that if I did not provide proper documentation they would buy for me and charge me accordingly. XX/XX/XXXX, I faxed a policy overview of flood insurance my HOA had secured for its tenants and for which I paid for already. When I called the Nationstar customer service to confirm they received my fax, I was told I sent only XX/XX/XXXX-XX/XX/XXXX and then needed XX/XX/XXXX-XX/XX/XXXX as well. So I sent the requested proof to them in the same month. Skip forward to XX/XX/XXXX and I am told that my monthly premium is increasing XXXX dollars per month. I called the customer service because I was quite alarmed. The rep told me that it was Nationstar 's policy to hold 2 times the escrow amount in my escrow account for safekeeping. TWO TIMES. I told my friends and family this since I was upset and they told me that it was completely unreasonable and I should fight it. I called Nationstar again in XX/XX/XXXX to find out again why it was going up {$300.00}. The rep this time told me that I was misinformed and that they only withhold 2 MONTHS worth of escrow for safekeeping - fine, but still why the extra {$300.00} a month? After much searching we find out that they were withholding for flood insurance. The very same insurance I had provided proof I already had through my HOA. I told the rep that I had sent 2 faxes. The rep said he found the first one from XX/XX/XXXX-XX/XX/XXXX. I said I definitely sent a 2nd one for the current year and to check. He said that he found it but no one had updated the system to say that I had flood insurance and that Nationstar did not have to add it to my account. So I have been overcharged for someone 's mistake. And they told me they can fix the error but it will take 30 days to be corrected. So I asked technically for my next payment I will still have to pay the overcharged payment? They told me yes, but after the they reanalyze my escrow, my payment would most likely decrease since I have been overpaying.. I asked if they will reanalyze automatically when the money returns to my account. The rep, XXXX, told me that I would have to CALL THEM TO REMIND THEM BASICALLY TO THEIR JOB. Incredulous! 
I am now waiting for my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I went to the best school i could get into, which was admittedly not cheap. While applying for student aid, I was redirected from the XXXX website to SallieMae. I took out almost {$79000.00} in loans, thinking that they were federal and thus eligible for income-based repayment. I was misled by SallieMae, who told me that I would have these options, even though they are not available for my loan type. I 'm now at a point where just over half of my monthly take-home pay is going to student loans, even though I was lucky and was able to get a good job that pays decently well. I 've been told multiple times that I have no other option to lower my payments through SallieMae, and am at risk of default because I ca n't lower my payment. If any unexpected expense pops up in my life, I will have no choice but to default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Harris & Harris, Ltd. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In XXXX 2014, I filed a complaint with Harris & Harris , Ltd. pursuant to the Fair Debt Collection Act, hereinafter ( FDCPA ), Section 809 ( b ). 
To date, the said business has not responded. Thus, my state tax refund has been garnished.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Credit card () with STERLING JEWELERS, INC. (FL).
Issue: Delinquent account

Complaint: Prior to my monthly payment due date, I contacted the creditor to set up a payment to come out of my banking account on the due date.A few weeks after the due dates, I was receiving several calls from an unknown numbers and also several messages were left with my co workers at work regarding past due payment which was very embarrassing and put my job at risk. I contacted the creditor and informed them that a payment was scheduled and to, perhaps, be patient until it 'd go through and also to not ever call my job.After coming back from a 3 week vacation, I was told by co workers that this creditor had been calling everyday regarding my account being past due and which resulted in a verbal warning from my manager. I then noticed that the payment had never come out of my banking account. After contacting the creditor again, it was determined that XXXX of the digits from my banking account was missing prompting to the payment not going through.Correction was made on the phone and, afraid that this may occur again, I decided to pay off the remaining balance while I was on the phone with the agent. Several months later, I noticed that account was being reported closed by consumer request and also a late payment on my credit reports which really affected my credit score. Given all the harassments received from the creditor because of a late payment that was not my fault, I decided to dispute the reporting on my credit files. The creditor declined to remove the late payment as well as removing the comment " closed by consumer request '' because I never requested to close the account. I then decided to contact the creditor directly by mail and requested to remove the late payment.The creditor informed me that they have conducted an investigation and that there have no mistake, therefore declined to remove the late payment from my credit files. I then challenged the creditor to go back and review all prior phone conversations and my request was also declined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Debt collection (I do not know) with EOS Holdings, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am for some reason getting numorous bogus debt collection calls. Today I got a call from a company called EOS a revording played and said to call XXXX - because no one in this household has any debts - I called immediately and was asked for personal information to pull up my account. I demanded information on the company calling me and what purported debt they were collecting. I was told it was " EOS '' debt collection. When I demanded more information about the caller and company, the young woman on the phone hung up. I have been getting numerous similar calls. No one in this household has any debts, as soon as I chalkenge a caller and adk for information, these callers hang up. Pleas investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Account Number Num : Balance {$220.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the 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 02-05-2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was apparently sold from XXXX XXXX to Loan Care XX/XX/XXXX. I have for the last 25+ years had my taxes escrowed and received the check XX/XX/XXXX to pay them before XX/XX/XXXX. At XXXX time I contacted Loan Care and asked about my check for taxes. They were going to look into it and get back to me. I again called before the first of the year and they told me they were waiting to receive the tax bill from my municipality Treasurer. I spoke with him and he said that was not a true statement and I was the only person they send the bill to. I again called them and they again said they would look into it and get back to me. Again, they never got back to me. I called after the first of the year to get the same song and dance from them. This time I wrote down the persons contact number and she said I had to send a request to change my escrow because it was marked to be paid to me XX/XX/XXXX. I talked to my mortgage lender that I does my financing and he said in his 20+ years he has NEVER checked box XXXX to have anyone 's escrow paid in XX/XX/XXXX and they were lying with the statement they gave me. I did send the email requesting they change my escrow to be paid to me in XX/XX/XXXX and I have a copy of it. They were to get back to me and of course they did not. 
I filed a complaint with the XXXX on this company and I was told that they would respond again within 10 days, that was now over three weeks ago and I have not heard a word from anyone. After talking with an attorney, I was recommended to contact you about my situation. My mortgage lender told me he was getting several complaints from others who had the same issues with the same company " Loan Care ''. 
I have busted my XXXX to maintain a perfect credit rating even with the divorce I went through three years ago. I had to personally pay nearly {$3000.00} in taxes out of my savings to avoid being delinquent this year. I have still not received a phone call or a check from Loan Care and they also have my insurance in escrow so I can just imagine how that is going to play out next month. I hope you can go after these people and fine the XXXX out them for what they are doing to the consumer. Please help me get my money back from them and I hope you can put an end to their unethical practices! 
Sincerely, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FEDERAL PACIFIC CREDIT COMPANY, LLC (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Their license is expired in XXXX XXXX XXXX, Utah and they 're not licensed in the State of Florida. 

License Type : Consumer Collection Agency Status : Expired Status Effective Date : XXXX/XXXX/XXXX Original Date of License : XXXX/XXXX/XXXX License Number : XXXX License Expiration Date : XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation