milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/22/2016 about Mortgage (Conventional fixed mortgage) with STONEGATE MORTGAGE CORPORATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased my house in XXXX XXXX. My monthly payment includes the principal, interest, mortgage insurance, homeowner insurance, and property tax. The homeowner insurance and the property tax payments are collected under the escrow account. My monthly monthly payment was initially around {$1300.00} including the everything. I recently learned that my monthly payment jumped to {$1900.00}. After several attempts, I learned that even though the mortgage company collected the property insurance from me on monthly bases, THEY NEVER PAID it to the insurance company. 
Now the mortgage company tells me that homeowner insurance from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX is missing. And that they are charging me around {$5700.00} to cover the missing period without my consent. 
I paid my homeowner insurance payments in advance to the mortgage company. 
Mortgage company does n't pay it to the insurance company. 
Neither the insurance company nor the mortgage company informed me about the missing payments. 
I always assumed and more importantly paid for the homeowner insurance. 
Now, the mortgage company significantly increases my payments -that is XXXX % increase- ( from {$1300.00} to XXXX ) My concerns : 1- Why do I have to pay for the mortgage company 's mistake? Had they paid the insurance premium they collected from me on time or informed me that they could n't pay none of this would have happened. 
2- What is the logic behind purchasing insurance for the past time? 
3- Why is mortgage company charging me two -to- three times more than the regular insurance premuium even though it is clearly their fault? 
4- My biggest concern is that the mortgage company is either doing this on purpose of is not competent to collect escrow. This is not the first time they mismanaged my escrow. They previously charged me for flood insurance where the documents they provided me in closing clearly said there is no need for flood insurance. There was never any discussion on flood insurance, never purchase, but the mortgage company did charge for it for around two years ). When I noticed and told them about it they asked me to get proof from the county. In my experience, I suspect the mortgage company is either deliberately overcharging/abusing the escrow accounts or they are not competent. Either way, I think it should be investigated to see how many customers are in similar conditions as I am.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Back in XX/XX/XXXX i was sent a letter from a company called " LVNV Funding ''. they were writing to notify me of an old debt that was owed and i needed to pay it or they were going to place the item on my credit report. After some of my own research, I discovered it was a debt that a court awareded to my ex wife over 8 years ago ( the original creditor was XXXX XXXX ). So, i tried to reach the company at the number they provided but with no luck. it appeared to be a bad number because every time i dial it all i got was a fast busy. So, i mailed them a dispute letter ( because you have 30 days to notify the company that you dispute the validity of the debt ). I disputed it under section 809 of the FDCPA. Well, XX/XX/2017 they placed the item on my XXXX credit report. I filed a dispute directly with Transuion citing that per the FCRA rules the date of first delinquency was over 7 years ago and the item should be removed. so they deleted it within two days. I didnt realise they put it on my Equifax report until i checked that report today, So i submitted a dispute directly with XXXX today ( XX/XX/2017 ). I 'm writing because this company appears to not follow FCRA rules or FDCPA law and I feel they should be investigated. Also, another reason they should be investigated is not only did i receive the letter from LVNV Funding, i also got a letter last week from a company called " Resurgent Capital Services '' who claim they manage the account with LVNV Funding. This could and would likely be very confusing for the consumer. Meaning, a consumer may not know that its the same account. Having said that, I submitted two notifications to this company Resurgent advising them that i am still disputing the debt under FDCPA law but also that per FCRA rules they can not report this on my credit report anymore. I have noticed that they appear to get away with the reporting side because they do not include the date of first delinquency to any of the credit bureaus. So if a consumer is not watching their report a company like them will put the items on the credit report and potentially get away with it. hopefully with my writing the CFPB these companies can change their practices and stop trampling on the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Last year ( XXXX ) I received a call from Synchrony Bank 's XXXX Department saying that I owed money on my XXXX store card and that they were calling to ask me to pay it before they would have to send it to collections. I did n't have the full amount at the time and set up a payment plan with Synchrony. The debt was completely paid off XXXX XXXX of last year after 6 payments had been made. 

A few weeks ago, I answered a call from a number I did n't recognize and it was XXXX XXXX XXXX saying that they were trying to collect my XXXX store card debt. Obviously, that debt does n't exist, so I should n't have received this call. 
I called Synchrony and tried to explain that my debt had already been paid. I kept getting transferred to outsourced call centers that did n't understand what I was saying, and they just kept telling me I owed a debt and asked if I wanted to make a payment. 

Finally, someone at Synchrony told me how to file a dispute with Syncrhony. I sent in my dispute letter along with my attached check stubs proving that the debt had been paid. 

Since I sent the dispute I have n't heard anything, and have continued to get upwards of 5 debt collection calls a day. I have tried calling Synchrony, but they keep telling me that there 's no way for me to contact the dispute team and that they do n't have a phone number, which I find extremely suspicious if not outright illegal. I have asked for updates on my dispute with no answers, and again the representatives keep telling me that I owe a debt. 

This has ruined my credit score, and in my original dispute to them I said it needed to be reversed within a week considering I had paid the debt and there was n't anything to really dispute or investigate. I have broken down crying several times because I will be on hold for 40 minutes with XXXX and then still just transferred to their debt outsourced call center and not told anything. I need proof from Synchrony that they are going to reverse the damages they 've made to my credit score. I should n't even have to be doing this, and selling a paid debt to a collection agency is illegal ( I 'm pretty sure ) and it 's illegal for that debt collection agency to be harassing me when I have paid the debt! 

Please please please resolve this as soon as possible. I do n't want people to go what I 'm going through. I am now paying a much higher than normal security deposit on a new apartment because of this mess, and it is actively hurting me emotionally and financially.

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 02/29/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Received a phone call from a " Third Party '' in regards to a legal package that someone was going to come to my work to give me, he would n't give much info advised me to call XXXX for more information and he would put on hold for one hour, serving me at my job and " embarrassing me at my place of employment '' I called number explained what this man told me that called from Unknown number. The woman XXXX XXXX confirmed and said thank you for calling and taking care of this. She advised I saved myself {$2500.00} in legal costs ect. I set up arrangement and paid over {$400.00} right then and there. Once I got off the phone something did n't feel right, I realized this was an old debt that was too old for them to collect on. Called right back and asked for documentation showing that the court order was canceled. Which XXXX notified me on the previous call to her that they would cancel the court order. She then said it was a pending legal action and it had not yet went to the courts. That is when I realized they lied to me and violated my rights. I spoke with her supervisor XXXX XXXX ( which by the way has very, very similar voice to the man from 3rd party which I have a voicemail on my phone from ) He said they will remove one of the payments due to the mis information, we discussed for a while, then said he would remove two payments and settle for what I had already paid {$430.00}. I explained how I felt and that my rights were violated. He said if I did not feel comfortable paying he would refund money. I called him the next day asking to be refunded because I was lied to. He argued with me saying he will refund but I am just trying to get out of paying the debt. I would have never gave a payment of {$430.00} if I was trying to get out of it. My rights have been violated and this company should not be able to call and lie to people who are already having a hard time paying bills. I am a mother of XXXX, and have many financial obligations. I am upset that they called and lied and preyed upon someone just for a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with National Credit Systems,Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a collection on my credit report that has been reporting for over 6 years. I have filed a dispute against it more then 3 times. I have never received verification of the debt. Even though I requested it. By FCRA and by law if this is not given within 30 days then you do not have the right to report any information and suppose to be closed. I want to get this removed from my credit report as an early exclusion. The contract with them was cancel. Their is " NO CONTRACT '' This is reporting on my  XXXX  and  XXXX  please remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Auto debt) with Resurgent Capital Services L.P. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: LVNV FUNDING LLC HAS VIOLATED ALL MY RIGHTS. THEY CONSTANTLY CALL AND REFUSE TO REMOVE ANYTHING FROM MY CREDIT REPORT AFTER I DISPUTED THE CHARGES. THEY ARE A THIRD PARTY COLLECTION AGENCY. 
I sent via certified mail, a request for your offices to provide me with proof of the debt you alleged I owed and not a computer printout, I would like to see papers with my actual signature of such debt and not a computer printout. In that same letter, I also included my XXXX and XXXX instructions. This is not my debt or it is a fraudulent account and it is not my account. 

After verifiable delivery of my XXXX and XXXX XXXX XXXX by Silence letter XXXX via your office 's signature ) you continue to contact me. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense when I bring your company in front of a judge. 

Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : And I do mean all XXXX request not some. 

Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature ( Not a Computer Printout ) -License proof to collect debts in my state And a copy of my NYS Photo ID which is required to open this type of account

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Payday loan () with Enova International, Inc. (VA).
Issue: Charged fees or interest I didn't expect

Complaint: Fees were outrageous and I just want to end the loan

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Trouble during payment process

Complaint: THIS IS NOT A DUPLICATE COMPLAINT! Ocwen Loan Servicing and their counsel raised additional questions that need to be answered! We request that Ocwen answers all of our questions below accurately and under penalty of perjury.
1st- why has Ocwen failed to update their records along with the credit bureaus inaccuracies for XX/XX/XXXX payment as requested in a previous CFPB complaint? Please review the documents provided which clearly reflects that Ocwen has failed to comply with our requests!
2nd-why has Ocwen failed to report for XX/XX/XXXX when XX/XX/XXXXshould have been reported in XX/XX/XXXX? Now, this constitutes a direct dispute which we request that Ocwen updates all the credit bureaus to reflect paid as agreed for XX/XX/XXXX and for XX/XX/XXXX which is now coming to the end of the month! We also request that Ocwen updates their records to reflect accurate information now and in the future!
3rd-does Ocwen consider their policies to supersede consumer rights, federal and state laws? Yes or No!
4th- is Ocwen and their counsel able to tell the difference between a " D '' verses an " O '' on a document? Yes or No!
5th-is Ocwen and their counsel reading the complaints prior to responding to our complaints with the CFPB? Yes or No!
6th-does any federal or state law require consumers to send a correspondent letter to a company or furnisher of information by certified letter or any other means equivalent too? Yes or No!
7th-is Ocwen aware that our previous CFPB complaint ending in XXXX has been disputed, your counsel stated incorrect information which has been addressed and what I said was accurate? Yes or No!
8th-is Ocwen and their counsel aware of false accusations such as the term spurious ( term used for FAKE )? Yes or No!
9th- is Ocwen and their counsel aware that they have 60 days to correct consumer issues after being notified? Yes or No!
10th-is Ocwen and their counsel aware of the penalty for providing false statements to federal and state agencies? Yes or No!

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 06-11-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I have a health savings account ( HSA ) with Bank of America. On XXXX, I placed a trade in my investment account associated with the HSA. Per Bank of America disclosures on the website, the trade will happen the next day if it was placed before XXXX. Although my trade was placed before XXXX, it did not execute the next day. It executed only on XXXX. I wrote to the bank and they responded saying " Trades get processed in XXXX business days ''. This is contrary to what their website disclosures say. I lost money because the stock price moved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Paid off loan to Nationstar Mortgage when we sold house. The loan was in my parents name XXXX and XXXX XXXX. We all lived at the property as it was a house plus inlaw house. My parents passed away and were removed from title on property when they XXXX passed. My wife and I were also on title from beginning of loan as we all had put money into the house when we bought it. Death certificates were all filed and we continued paying the mortgage and paid off the mortgage note when we sold house. The escrow was closed with proper death certificates through our title company. A couple of months later we received mortgage payment refunds XXXX separate checks close to {$7000.00}. The checks were in the name of my parents even though house closed and there names were off everything. We called title company nationstar expressed returned checks and death certificates ( have copies of everything and a signed signature of acceptance by mortgage star from USPS express mail of documents and returned checks. Nothing since we closed escrow in XXXX. Funny thing can not talk to a manager can not get back to escrow dept. We could not of closed escrow without all paper work and death certificates being in order. All we keep hearing is need paperwork ( death certificates sent in they do not have paper work. ) Called constantly say they will transfer and you just get hung up on. I am executor of my parents will on and the bank wont even take there checks because my father is on the check and he died over 10 years ago ( his death certificates were filed also ) Help. I have all paper work. I just want my overpayment from them ( which they calculated incorrectly and we had almost a 90 day close because we could n't get a payoff statement from them!!!! Which cost us even more money. )

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: A recorded message keeps contacting me and my family. Stating they need my address, they have been trying to deliver legal documents to me. The recording gives their clients telephone number to be XXXX and file number XXXX. This number is to XXXX XXXX XXXX XXXX XXXX is rude and abrupt. I have been receiving these calls since XXXX. I filed BK in XXXX. My attorney spoke to XXXX also. The claim in that Chase has hired them to collect on a credit card debt. I spoke to Chase. Chase states they have no claims against me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am unable to afford the payments for MyFedLoans as I do not make enough money to afford it. I have tried to apply for forbearance and deferment and I keep getting the response that I am ineligible. My payments are not feasible to keep my student loans current.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (I do not know) with CL HOLDINGS LLC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/XXXX I received a phone call from my payroll department stating that Jefferson Capital Systems will be receiving a portion of my wages through a garnishment. I filed a complaint with the XXXX against JCS for garnishing my wages for payment on a debt I have no knowledge of. In my complaint, I asked for the following to verify the debt : 1. Full original account number 2.Date original account opened 3. Any written agreement between myself & the original creditor stating that I agreed to pay the original debt. 4. Consumer address at which original account was opened 5. Date of 1st delinquency 6. Itemized calculation of alleged debtI received a response from JCS 's attorney, XXXX XXXX, on XXXX/XXXX/XXXX stating that he had sent a letter with all of the above requested information, and stated that the debt was a defaulted Credit Card account issued by XXXX XXXX XXXX, XXXX. He stated that the account was opened on XXXX XXXX, XXXX, and was charged off on XXXX XXXX, XXXX with a default balance of {$1500.00}. 

I have several issues with the information provided in his response. 1. As of XXXX/XXXX/XXXX, I still have not received any documentation from XXXX XXXX or JCS verifying the validity of this debt, as requested in my first correspondence with them, and as was stated by XXXX XXXX was mailed to me. 2. I have never had a credit card account with XXXX XXXX XXXX, XXXX. 3. On XXXX XXXX, XXXX, I was XXXX YEARS OLD, and could not have legally signed a contract or opened a credit card account. ( My wife is also listed jointly on this account, and she would have been XXXX years old at the time it was opened. ) On XXXX/XXXX/XXXX, I responded to XXXX XXXX stating my concerns and again stating I had not received any verification of the debt and therefore, believed the alleged debt to be invalid. At this time, JCS had received {$800.00} from me, and I requested the money be returned to me and the judgment be dismissed or deemed satisfied. 

On XXXX/XXXX/XXXX, I received a response from XXXX XXXX stating that JCS believed the debt was mine, and would continue to garnish my wages. He directed me to call XXXX XXXX, an account manager, to discuss a resolution that would be satisfactory to both parties. 

To date, JCS has taken {$1800.00} from my paychecks. In the documentation provided to me by XXXX XXXX, the original debt was {$1500.00}. However, JCS is garnishing my wages in excess of {$3900.00}. ( As stated by my payroll department. ) I do n't believe this debt is mine, but I am being forced to pay it! 

I do n't believe I can resolve this without help. My first attempt to resolve this through the XXXX was unsuccessful. I am hopeful the CFPB has the resources to get to the bottom of this and help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: i have payment arrangements set up with Navient to withdraw at the end of each month. I receive an email stating that my payments are due on the XXXX. This is not the first time i have dealt with them and end up on the phone almost every month trying to get things straighten out with them.

Company response to consumer: Closed with explanation