milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification with CitiMortgage and I was denied two times. Finally as a last resort to save my home, In addition to requesting another modification, I filed a Chapter XXXX Bankruptcy to repay the arrearages. This is when they actually considered helping me. The entire process was long and deceitful after that. I originally owed XXXX to Citi but somehow after the modification and a Partial Claim payment of {$28000.00} through XXXX, CitiMortgage is telling me I owe {$170000.00} to them in addition to now owing XXXX back the {$28000.00} which was supposed to be applied to the arrearages on my account.. Long story short ... They have not and will not show me a detailed account of where the {$28000.00} was applied to my account. My questions are " If CitiMortgage was given {$28000.00} from HUD to help decrease my mortgage and pay arrearages, How and why was my mortgage modified and recalculated using an amount that did not reflect the arrearages being paid with the {$28000.00}. How was this calculated? Who can show me a detailed transaction history or re-look at the modification to make sure it was prepared and calculated correctly? Why do I now owe {$200000.00} ( XXXX to CitiMortgage + XXXX lien to XXXX ) on my house which I originally purchased for {$160000.00}? How is this possible when the program is called XXXX - HOME AFFORDABLE MODIFICATION PROGRAM? There is nothing affordable about this!!! I am in more debt than I started with. 
Please help me if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I remortgaged with roundpoint loan number XXXX just under 2 years ago. A couple of months back I rang them to ask about re-valuating my property. The women on the phone said to me that if I was at 78 % I could get my mortgage insurance removed. Knowing I was very close I decided to get a valuation on my house. The valuation came in at XXXX, which means 78 % means an amount outstanding of XXXX meant I could get my MI off. I owe around XXXX. Now supposedly they tell me that since my loan is seasoned less than 5 years it has to be at 75 % at loan to value ratio, before my Mi can come off. This figure was never mentioned to me when I spoke to the agent. The recorded conversation with roundpoint advisor where I repeatedly said will it come off if it is at 78 % the answer was yes.. This is also was their website says. Now they say I can not remove my MI eventhough I am under 78 %. I want them to pay for my valuation since their agent gave me the wrong information.I only got the valuation done knowing I was close to the 78 % mark. Also I have been told legally as soon as you are under 78 % the MI has to come off. I have not missed any payments. I did fill in their form and on it does say you have to be 75 %. However since I was not clear I rang their advisers to ask them who told me it should come off at 78 %. I told Roundpoint that the mortgage has been mis- sold to me and the information I was conveyed was also incorrect. I also asked them to listen to the recorded conversation I ahd with their adviser who informed me that it will come off at 78 %. I did not get a reply. The only reply I got was to say my MI could not be cancelled and did not mention anything about the conversation I had asked them to listen to. Please can you let me know if legally they can avoid my MI coming off eventhough I am under 78 %. Also are they not legally obliged to give me the correct information when I ring them. I would like my MI to come off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: The automated system is corrupt and customer service wo n't help. Each person with AES that I talk to has a different story. I checked my credit report and clearly they 're ruining my credit while assuring me that everything is fine and dandy. I honestly just wish AES staff would do what they say, hours on the phone and still no where with these people. How can they even be allowed to lend? I XXXX this is a nightmare, I do n't have these problems with my other loans, not one problem. I just paid one off in full, I never had to contact them! Seriously, what 's going on AES? I 'm ready to start writing congress and contacting the media.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Other

Complaint: Notified Capital One several times that my account information with them for XXXX credit card is not being reported to XXXX They do n't seem to care alot! XXXX told me that Capital One told them to delete the account information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (DE).
Issue: Loan servicing, payments, escrow account

Complaint: In 2014, I received a permanent loan modification on my mortgagewith Nationstar upon satisfying my XXXX consecutive trial modificationpayments. At the end of making those payments, I had funds left in asuspense account which amounted to {$1300.00}. It is myunderstanding that according to the Securities Instrument, thatthese funds were supposed to be applied to interest and principalbalance first. I requested that the suspense funds be applied in thisprescribed manner. However, Nationstar took it upon themselves toapply the suspense account funds to my escrow instead, without myknowledge or consent. At that time I was represent by legal counsel, namely, XXXX XXXX XXXX of Delaware, in XXXX, DE, who drafted and submitted a " Notice of Error '' to Nationstar on mybehalf. To date, there has been no resolution to rectify the misappliedfunds. The Notice of Error clearly demonstrated Nationstar 's blatantdisregard and violation of the protocol set forth by the SecuritiesInstrument as it applies to the allocation of suspense funds. Inaddition, I was promised that my first contractual payment ( postmodification ) would be made from the suspense account. Since mynew payment amount was approximately {$1100.00}, I would have alittle more than {$200.00} left in suspense, which was to applied toward thefollowing month 's payment, for which I would make up the difference. 
It was further agreed upon that I would be notified of the amount ofthat difference payment. Being that none of this came to fruition, Iwas left in a position to have to pay and subsequently becamedelinquent! My credit has suffered and I have incurred late paymentfees trying to get caught up and remain current. Nationstar has beenvirtually non-responsive and uncooperative to my attorney 's demandsand numerous requests for relief and rectification this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My husband and I made a payment on XX/XX/XXXX for {$260.00}. We requested the payment be allocated to loan XXXX only to pay off the balance. Instead, it was allocated towards all XXXX loans ( XXXX, XXXX, XXXX, XXXX ). We 've called twice to get the payment reallocated, but we keep being told that we can only make additional payments certain times of the month. All XXXX loans are paid ahead into XX/XX/XXXX. My husband works for XXXX XXXX - he knows you can allocate this payment towards the XXXX loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This Account have been in my credit report more than 11 years is legal to have this in my credit report for this long please remove creditor as soon as possible thank you.

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 10/13/2016 about Debt collection (I do not know) with National Credit Systems,Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: National credit system is reporting a collection item in my credit report. I has asked the collection agency to provide me with the original documentation regarding this debt. FCRA requires that I am entitled to receive the original documentation regarding negative items but National Credit System is not providing me the original documentation and reporting unverified item in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I am XXXX XXXX. My loan Number with Wells Fargo is XXXX. Due to a job loss with XXXX, I got behind on my mortgage for my home. After some time I was able to secure additional employment with another company. I contacted Wells Fargo immediately to alert them of my current circumstances. I requested a loan modification with possible principal reduction, interest rate reduction or an extension of the loan. I requested the loan modification in writing and directly with a loan officer in an office in XXXX, North Carolina. I also had some discussion ( in writing ) with the bank 's CEO.I was told that a modification would be possible and began making payments based on the modification. While waiting for my official modification, I started receiving letters from an attorney from XXXX and XXXX indicating that I was my loan was in default. This harassment continued although I was told that the modification was forthcoming. After several months, I received a letter by the attorney representing Wells Forgo stating that my house was being foreclosed. I was told that it was sold to a third party and that I had no other choice but to vacate the premises. My discussion with the attorney- XXXX XXXX XXXX throughout XXXX. I was told that I had to until XXXX XXXX, 2015 to vacate the property. I received no further notices, nor did I sign any papers or affidavit, nor appear at any court hearing. I was not notified about any hearing or sale of my property. I went to my house on XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, North Carolina only to find that I was not able to gain entry to my house. The locks had been changed and were dead bolted by a realtor 's lock. There was a note on the door to contact someone for questions regarding the lock. I contacted the number and it belonged to a XXXX who was sold the house. XXXX indicated that he had discarded some of my possessions and that I may not be able to get back in at that time. After some heated discussion with XXXX, I was able to get him to come and unlock the door so that I could get my things. Upon entering the house I found that there were several items missing : - XXXX '' in color television, sectional sofa, kings size bed, dining room set and mattress. XXXX indicated that he asked the neighbors if I was returning and that they had no idea. Those items were discarded without my permission and I was locked out of my house without warning, court order or official papers from any attorney or judge. I was promised that I would receive a modification but I was tossed out instead without notice or recourse. Furthermore, I was assessed a tremendous amount of late escrow and penalty fees on top on top of the mortgage while waiting for a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Mortgage (Home equity loan or line of credit) with SUNTRUST BANKS, INC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My home equity line of credit ( HELOC ) has XXXX accounts. I recently went to a local branch and paid off XXXX of the XXXX accounts, about {$7000.00} of a total of {$23000.00} I owed. At the branch, the teller calculated that my new monthly payment, going forward, would be {$200.00}, which corresponds to what I calculated the new payment would be. 
A few days ago, I checked the institution 's website which states, instead, that my new payment will be {$230.00} ( previously, before paying off XXXX of the accounts, my monthly payment was {$270.00} ). I called the institution to ask them to correct the payment information on the website to align with what I was told at the branch and which I think is correct. I was told that the website amount, {$230.00}, is correct. I asked for a breakdown of the payment and was told that, for example, on # XXXX, my new principal payment would be about {$140.00}. But currently my principal payment for that account is only {$84.00}. I asked why my principal payment jumped from {$84.00} to {$140.00}, and the agent on the phone could n't give me an answer. I pointed out that, if I paid {$140.00} in principal every month on that account, I would pay it off way before the ten-year payback period ends. The agent on the phone could n't explain why this is so. 
In general, I told the agent that I could n't understand how it was that I paid off about 30 % of the total principal I owned but my monthly payment was going down ( according to the bank ) by only about 15 %. The agent could n't explain why this was. I think the institution is mistaken and needs to correct the monthly payment to align what I was told at the branch.

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 10/31/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (MI).
Issue: Fraud or scam

Complaint: I am a rush card memberOn XXXX XXXX, 2015 funds that were on my rush card disappeared! Due to a system issue with rush card my funds havent been available to me for close to a month now! Everytime I call rush cards customer service and ask about my money and where it is they hang up on me! I just want my money the money that I worked hard for and because of rush cards unprofessional business my gas and lights were shut off! Im not planning to file a lawsuit against this company because they will not release my money!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I tried getting a personal loan with my credit union. When they pulled my credit report it showed that my home is XXXX foreclosure through Bank of America. It is not, all my payments are current. I called Bank of America the representative told me it was a mistake on their part and they would send notice to the credit bureaus. A few days later I received a notice from Bank of America saying their information was accurate. Again it is not. My payments are current. IF you could assist it would be greatly appreciated.

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 10-07-2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (NJ).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX, 2015 log on into Navy Federal Credit Union and found out that they withdrew {$29.00} from my account and they did inform me what check was returned and for amount just return fee then I ask the representative why was n't it indicate on line she stated that do not do post it online they just send notice via United States Postal Service I thought that all transaction should be viewed online and statement they accused me of bounced check they pay via bill pay and they indicate it paid but they indicated if something was not paid they also charge me fee and taken me out of over draft protection which cause the check to be return and which cause me return check fee to XXXX Furniture and Sales I never opt out they have been commending so much fraud I would like them to investigate all banking product and services to ensure proper use of the services are being apply if any Fraud is found all individuals involved should be convicted according to United States Federal Law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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 am a XXXX with the XXXX XXXX and currently have a home loan with XXXX XXXX XXXX  that began in XX/XX/XXXX. <P/>Over the last 7 years, I have had an extremely difficult relationship with my lender and have filed several disputes through Experian, XXXX, and XXXX against the late payments displayed on my account with XXXX XXXX. <P/>I will admit that have been late in the past in which I always made arrangements, but I have not had late payments to the extreme that is reflected on my credit report. I could never fully understand how my monthly payments were being applied to my account. I had lengthy phone conversations with the lender 's representatives that were always stated to be recorded. So much so that, I requested copies of all payments made to my account from the beginning of the loan to date. <P/>After reviewing these records from XXXX XXXX, there are discrepancies in what the credit report states vs. what is stated on the statement breakdowns. <P/>I disputed these findings to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, IA, XXXX asking that these findings be investigated. I received no response. As a matter a fact, on my credit bureaus it states that the " Subscriber reports dispute resolved - consumer disagrees ''. <P/>I have been on a payment plan with the lender in the past but that is not reflected at all on my report and the monthly payment amount being reported is at {$2000.00} vs. the correct amount of {$2000.00}. <P/>I would like to have an investigation done on my account. I feel that I am a victim of the XXXX XXXX fake account scandal. <P/>I have been in XXXX XXXX for 15 years and in my a career in XXXX XXXX honesty, morality, professionalism, and integrity are my core beliefs and I expect to be treated the same. <P/>I look forward to hearing from you soon!

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 09/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MS).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX and I purchased a home in XXXX and was given a ARM mortgage with the XXXX when I complained about the Arm and requested a modification in XXXX the XXXX transferred my Mortgage to XXXX and I tried to contact XXXX but did not receive any response and the mortgage was transferred to a number of mortgage servicers when XXXX the mortgage was transferred to XXXX servicer and XXXX the mortgage was transferred to Ocwen Loan servicing Inc. I never knew who had my mortgage and no one communicated with me in reference to my mortgage and XXXX XXXX I received a letter from an Attorney XXXX stating that he represented Ocwen and that he had published in the local news paper notice of foreclosure I had not received any communication from Ocwen whatsoever the only communication from Ocwen was from this attorney XXXX i filed a cease and desist later in may and demanded any and all paperwork from Ocwen and any other group or company they sent some paperwork along with another letter informing me that they were still going forward with the foreclosure process and because I had no communication with Ocwen and because Ocwen did not contact me with any options and i believe that my loan was robo signed, and I was a victim of predatory lending practicing and denied any form of communication with any options failure to give proper notice and because Ocwen acted in bad faith violated the Fair Debt Collection Act and the Consent Decree in which they entered into with this very Agency for alleged misconduct in XXXX XXXX, XXXX filed a pro se complaint in XXXX XXXX XXXX XXXX XXXX asserting the fore mentioned violations bearing cause Number XXXX my email address is XXXXXXXXXXXX phone number XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Please see the annexed complaint with exhibits against XXXX XXXX XXXX. On XXXX XXXX, 2017, XXXX previously responded to a compliant filed by the undersigned but the response contained false and misleading statements. The undersigned tried to contact XXXX and has demanded information but XXXX has ignored the issues altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I FILED A SERIOUS COMPLAINT AGAINST XXXX FOR SELLING DEFECTIVE COMFORTER TWICE TO ME AND REFUSING TO EXCEPT IT ON RETURN. I WANT TO KNOW IF ANYTHING IS BEING DONE? AS THEY PUT A LIE ON MY CREDIT REPORT OF {$140.00}. I OWE THEM THIS IS A RIGHT OUT BLAT EN LIE, I DO NOT OWE THEM FOR SELLING ME A DEFECTIVE COMFORTER

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 12/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRST NATIONAL BANK OF OMAHA (AR).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX which provides XXXX services has a technical glitch with XXXX and XXXX browsers. After trying to make payments, session logs out and when I brought this to customer service notice, they were rude and charged me late fees. THis is a way of making money off of customers.

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