milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2017 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I have  XXXX  mortgage companies my primary  XXXX   XXXX  servicing and secondary Citimortgage. I have mortgage insurance through my primary mortgage company  XXXX   XXXX   XXXX . I have been having difficulty with my   XXXX    Mortgage  Company Citi  Bank. They send me a letter telling me that unless I prove I have hazard insurance they will obtain Insurance for me. I have faxed them the information and have mailed them the required documents through the years to show them I hav e Insurance an d sometimes they cancel the policy they obtained other timesThey just continue on charging me for  the Insurance. My monthly mortgage is {$1100.00} they increased it to {$1500.00} for the Mortgage Insurance they attached. I can not afford this an d I am behind again with my mortgage and they are threatening foreclosure. I have paid them my mortgage premium of {$1100.00} and thy say they have not received any payments from  XXXX  through  XXXX . I asked them where the money went and they say it went to unapplied funds. They tell me I owe them {$7900.00} now and they have threatened foreclosure. I called them again today to tell them that I already have mortgage insurance through my primary mortgage  XXXX  and have sent in supporting paperwork and will send it in again. They told me for th e 1st tim e ever that My  XXXX   XXXX   XXXX  does not cover this loan and that I also need to have insurance through them also. I asked to speak to a  Manager. The Manager t old me the same thing. They are covering my house for the eaxct same insurance as my primary coverage. I can not afford  XXXX  insurances that cover the same thing. I need help. I do not know what to do.

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 06/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX fraudulent accounts opened at some point then abandoned XX/XX/XXXX/XX/XX/XXXX by person committing identity theft. Accounts were not discovered until 2016 when looking at credit report. No collection attempts were ever made to me through mail or by phone. When contacted company I was forwarded to various collection companies who all said they did not hold the debt anymore. Company representatives were extremely hostile and demanded I pay, while refusing to furnish any information regarding the accounts. Filed identity theft complaint with company to discharge the debt and was denied. Filed complaint with various credit reporting agencies. Some agencies deleted the debt but then it would reappear under another collection company.

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 01/23/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: all XXXX credit agencies have me reported as deceased.do n't know how long it has been on my report.i recently applied for credit report and discovered why my cards are being canceled.i keep getting the run around.i want to know who, why, when and what information was reported and why it was n't verified with vital/records, social security administration, employment or insurance dept.this is a headache, lots of phone calls, writing letters/stamps, time consuming and getting them to understand after repeating the same thing over and over.my main complaint is why was n't it investigated before sending to credit bureau and who regulates procedures/policies for credit agencies to follow before entering information on citizens record,

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 10/15/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Trouble during payment process

Complaint: I am a XXXX, XXXX elderly man who is having issues with Wells Fargo, my mortgage company. My monthly payment has grown from {$800.00} to {$1600.00} without proper explanation. I have asked Wells Fargo to not pay my insurance because I pay it myself and they are still adding addition escrow payment onto my monthly payment. As a result, I am paying my own insurance and property tax, and so are they and yet I get no money returned to me. I have tried to work this out with Wells Fargo and to no avail. I am currently XXXX months behind on my monthly payment and while I was able to afford the original payment of {$800.00}, I simply can not afford {$1600.00}. This issue is greatly affecting my health and well being and I am seeking your help in resolving this issue. Thanks in advance for your assistance.

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 09/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied online as a member of Navy Federal Credit Union for a credit card onXX/XX/XXXX2017. Within a few hours in was an online message declining. I called the next day and onXX/XX/XXXX2017 to inquire why but was told the letter was mailed out last week explaining the reasons for being declined. However I never recieved anything so I called again todayXX/XX/XXXX2017 to ask could the letter be resent cause I never recieved it the representative told me no they wont do it. I explained as a consumer there are fair creit laws that state I have a right to be notified. The representative stated they will not email it through their secure online banking website nor resend it. This is pure nonsense things get lost in the mail so it should be no big deal to reprint and mail my credit decision letter. 

This is horrible customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX county recorder shows a lien file XX/XX/XXXX with a balance. an individual chapter XXXX bankruptcy XXXX debt in 11/2014. I have disputed item multiple times and lien is not removed and balance remains. I had filed a chapter XXXX XX/XX/XXXX that was dismissed and maybe a duplicate file or the original debt was joint and my individual chapter XXXX makes me not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX 2016, we received a new statement for XXXX XXXX 2016 from Ocwen Loan Servicing. This statement reflects that Ocwen has raised our payment from {$690.00} to {$720.00} per month. Our modification agreement clearly reflects a 2 % interest rate. Our statement on XXXX XXXX 2016 from Ocwen clearly reflects that they were putting {$300.00} towards the principal, {$240.00} towards the interest and {$140.00} towards the escrow for taxes and insurance, totaling {$690.00}. Per our XXXX 2016 statement, Ocwen is charging us {$300.00} for principal which is more than previous, {$240.00} for interest and {$170.00} for escrow which is more. Now, several days ago I contacted Ocwen Loan Servicing regarding this issue. I asked them to send me an annual escrow account disclosure statement. On XXXX XXXX 2016, we received this statement. Please refer to scan # XXXX. Ocwen reflects on this escrow history the amounts paid into the escrow. The issue is, we have paid two months in advance, per our statements. The escrow sheet clearly reflects that Ocwen received the last escrow payment in XXXX 2016 and nothing in XXXX, XXXX or XXXX 2016. With this information provided, we should not be short in our escrow account because our insurance is not due until XXXX and our taxes are not due until XXXX 2016. This means, we should have more than enough funds within our escrow account to pay out taxes and insurance when they become due. Ocwen did not need to raise our monthly mortgage payments due to there mistake! If Ocwen Loan Servicing can not service this loan correctly, then we should be allowed to pay our property taxes and insurance ourselves. There is nothing with in our modification agreement nor our original loan documents that reflects that we are not allowed to make these payments on our own. Ocwen is clearly un-professional and Ocwen must allow us to pay our taxes and insurance ourselves.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Medical debt) with AVANTE (IA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: 2 years ago, I was paying off debt. Paid off everything I owed with XXXX hospital and XXXX hospital. I recently saw on my credit report that a collection agency is biengreported on my credit report saying I owe medical bills to XXXX and XXXX Hospital. So I called the hospitals and again they said I owed nothing. I have never received any notification from this collection company nice the hospitals which is the original creditor posted on this collection. I found out about this by viewing muy credit report. The collection company is XXXX XXXX for the amounts of {$770.00}, {$68.00}, {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Problems caused by my funds being low

Complaint: Capital one bank returned a check even it being my first time with insufficent funds.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (OH).
Issue: Struggling to pay mortgage

Complaint: I lost my job in XXXX of XXXX. I contacted Loan Care to report my job status. However, I still had my mortgage payment for the month of XXXX XXXX. I tried to work out some type of modification with them to save my house. I made the XXXX payment and filled out the documentation for application for a loan modification. I contacted the bank for 3 months not hearing anything from them. I eventually spoke with a representative who told me that because I made the XXXX Payment I no longer qualified for assistance. I had to miss 3 consecutive payments in order to be considered for loan modification. During that time my house was in trouble! I was able to find two part time jobs and submitted my pay stubs every 30 days and bank statements, in addition to my unemployment for the short time that I did receive it. There was still no action. I had to wait another 90 days to get someone to help but that only gave me a partial payment plan. Eventually they gave me partial payment, what they referred to as a forbearance payment, of which half of the original mortgage. I paid that until I was still not getting any resolution to a loan modification and realizing none of the payments appear to be applied to my balance. I was steadily incurring fees and more fees. I got a full time position with one of the part time jobs and my income I was receiving was still lower than my previous job. Eventually, I had to hire an attorney from XXXX XXXX XXXX with the payments that I was making to Loan Care because they were not trying to help me. 
I contacted the attorney office regularly to see if they were getting anywhere and informed them of my status continued to forward bank statements paystubs and letters they requested. Even with the attorneys this took another 7 months in order for Loan Care to come to a trial payment period where my payments are now higher than my original payment of {$1200.00}. My payments are now {$1300.00}! I have made all the payments timely as requested. 

As of today, I still have not received documentation of what my new payments will be or if I should continue to pay the amount of {$1300.00}. I have done everything they have asked and gone above beyond plus. Today my credit has been affected and I am considering filing for bankruptcy for protection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: I received a letter stating that my account was being closed for no reason and I called in and I was not informed as to why my account was closed and restricted, I think it some type of bias treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (CA).
Issue: Credit decision / Underwriting

Complaint: loan with LoanDepotDBAIMortgage this company rip me off XXXX basis points. charged {$7100.00}. on a {$200000.00} loan amount. 
They make you sign disclosures when you meet with loan officer XXXX XXXX XXXX XXXX XXXX XXXX ) who explains to you so fast turning the pages so that you have no time to read every detail. He explained you will not pay anything out of pocket for closing costs, that the builder 's credit would be to pay all closing costs. At closing I ended up paying over {$5000.00} out of pocket as they came up with new figures and they gave me no opportunity to reject. How can you believe that {$5000.00} from mortgage company and {$12.00}, XXXX from builder were not sufficient to pay closing costs? They got the {$5000.00} from increasing the interest rate .5 %. They advertise that you will get {$5000.00} rebate if you get a loan with them. It turns out that they do n't give you anything but they get it from you by increasing the rate to create a rebate. In turn you end up paying for it but they do not explain it. This is how they rip off people who do n't know the intricacies. unaceptable! 
Also they rip you off by using their own services for Credit report {$65.00} when in fact a credit report cost is {$15.00}, and Appraisals without giving us a receipt of what it costs them. This should be against the law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Student loan (Federal student loan servicing) with United Student Aid (USA) Funds (MD).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: XX/XX/XXXX {$2600.00} XX/XX/XXXX{$3500.00} I have tried numerous times to talk to them about some type of payment plan and they refuse to help me out

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (AR).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was not aware of the number of loans being taken out. I was not aware what it meant to not be an accredited school. The school changed it's name 3 times before I graduated. Turns out I did have about 4 different loans and each one wants payments. I have deferred I am unemployed. I am now in default because I am not sure where all of my loans are. I tried to consolidate at one point but because so many different loans was not able to. I need student loan forgiveness. Now I just had my complete income tax refund offset to a collection agencies for one of the lenders or more.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Debt collection (Credit card) with Law Offices of Gary H. Kreppel P.C. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a debt with XXXX XXXX that was being handled for collections by an Attorney Gary Kreppel ( see attached ) .We arrived at a settlement and I advised I could pay by XX/XX/XXXX and it was agreed upon.The monies were sent but the check was never cashed.I am attaching evidence of payment and receipt of payment.The settlent letter evidences a date of XX/XX/XXXX but his office was informed that the earliest it would be there would be XXXX and I was informed that it would be no problem..He has been deceptive and I operated in good faith.I did n't receive the court notification until after the court date.i have moved XXXX in the last year.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: the member file was submitted by XXXX on XXXX/XXXX/2016 and the member submitted {$10000.00} to reinstate the loan and then was told it was {$12000.00} dollars and she submitted the money and was told the reinstatement amount was {$15000.00} dollars. She got the funds and submitted the funds and {$2000.00} dollars was kept. the local branch gave her {$13000.00} in plastic bags. She had a police officer help her count the funds and they were short {$2000.00} dollars ... ..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Debt collection (Medical) with MFP, inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Enclosed upload will show the one & only contact with this company. 
contact violates 15 USC 1692g of FDCPA. 
XXXX This first contact document ( included with this " dispute '', Since no other documentation was provided to me prior either through electronic means or at my known & lawful residence, I must consider this my first contact notification of any alleged debt. ) 809. Validation of debts [ 15 USC 1692g ] ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, on the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor Since the First Contact ( XXXX Letter ) fails to meet these provisions & no further letters have been received either electronically or at my known & lawful address meeting the provisions of [ 15 USC 1692g ] within the five days limit set in the provision, I call upon the XXXX ( a Department of the United States Government Fair Trade Commission ) to act within its legal capacity, and ( its intended purpose to protect the consumers of the United States of America ) from illegal & abusive practices. I call upon the XXXX to order the removal of this item from my credit report produced by XXXX & any other Credit Reporting Agencies with similar entries. The XXXX has a legal responsibly to act in this matter. 
Further, I call upon the XXXX to report not only this but, also previous reports of violation committed by Financial Credit Services to the appropriate Federal and State Agencies for their consideration of possible action.

Company response to consumer: Untimely response
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I'm respectfully filing this complaint due to numerous of failed attempts in the removal of said account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. With all my formal requests I was never provided any verifiable documents that supports company 's claim, therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. 

Accounts as following XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: The mortgage servicing company has committed fraud and I am requesting an investigation to be conducted.

Company response to consumer: Closed with explanation