milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2016 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX I had a water back up into my home. XXXX XXXX XXXX, XXXX a remediation company removed sheet rock, took up floors, and determined cabinets would need to be moved from the home. They had fans in the home until XXXX XXXX. The insurance company wrote a check at this time for {$28000.00}. This was mailed to the mortgagee company on XXXX/XXXX/XXXX. An additional check from {$10000.00} was sent on XXXX/XXXX/XXXX. The only checks I have received to pay for my repairs was {$480.00} on XXXX/XXXX/XXXX and {$12000.00} on XXXX/XXXX/XXXX. I was told on XXXX/XXXX/XXXX they would pay XXXX out to the contractor and I and then XXXX at the halfway point and the remainder once it was finished unless I showed them paid in full invoices. I started sending paid in full invoices via fax and email on XXXX/XXXX/XXXX. The contractors estimate was sent on XXXX/XXXX/XXXX. I called every three days as instructed for status. They did not confirm receiving anything until XXXX/XXXX/XXXX at which point they acknowledged receiving the XXXX versions I sent. The girl promised she would upload my file for review herself. On XXXX/XXXX/XXXX this still had not been done. I spoke to a supervisor who spent over an hour stating what she was requesting be issued from my escrow funds. Long story short nothing has happened other then getting XXXX of my funds payable to me and the contractor. He has been paid in full and the XXXX was for more then what I owed him since I am supplying all the materials. I am unable to get the remaining funds even with a lien wavier signed and notarized by the contractor and paid in full receipts from the contractor and from the supplies. If you are not the correct person to complain to please let me know. I have a lot more information and dates just want to verify this is the correct place to file a complaint before I continue. I will attached a summary up until XXXX/XXXX/XXXX of my receipts and correspondence. I have the remaining information and supporting documents if required. I am truly at a loss on how to handle this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (LA).
Issue: Settlement process and costs

Complaint: My home received damages on XXXX/XXXX/16 ) The insurance company sent a check ( {$3500.00} ) made payable to me and the Nationstar. I sent the required documents to the mortgage company. Nationstar sent a check in the amount of {$880.00}, which does not cover the cost of materials. On XXXX XXXX, 2016, I requested additional monies ( {$660.00} ) that is needed to purchase the remaining floor materials. Total cost of the floor materials is {$1500.00}. On XXXX XXXX, 2016, my insurance company contacted Nationstar. Nationstar told the insurance adjuster the forms sent on XXXX XXXX, 2016 will be reviewed by XXXX XXXX, 2016. On XXXX XXXX, 2016, I called and was told that additional information was needed.I had to redo the entire packet. I stated that I was not. I faxed the document to them. I was told by Nationstar to buy the materials. I told them that my insurance company stated that I should not purchase any materials because that 's the purpose of the insurance check. I informed Nationstar that if additional information was needed, I was not contacted via mail nor phone. I have been calling weekly, I have requested to talk with the Dept. Head on numerous times to no avail. I have requested a telephone number to corporate office ; I was told there is no number. Also, Nationstar states that I have to pay for the inspections that they are requesting. I have asked for a copy of the policy stating this ; I have yet to receive it. Nationstar has been giving the the run-around for weeks. Thank you in advance for your help in resolving this matter. I have a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Medical debt) with Prince Parker & Associates (DE).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX , from Prince Parker & Associates called my wife asking for payment in full for an   XXXX   bill of {$1600.00} incurred during the birth of my son on  XXXX / XXXX / 2017 . My wife asked  XXXX  if we could enter into a payment arrangement, to which  XXXX  responded   she could only offer 3 options ; 1, pay in full ; 2, pay half now and small monthly payments after ; 3, not pay and be referred for further collections which include litigation, credit reporting and additional repercussions.
My wife was clearly distraught given this information to which she asked me ( her husband ) to   call  XXXX  and discuss the account.     I called  XXXX  @  (   XXXX   XXXX   XXXX  ext.  XXXX  to ask what had transpired with my wife and to ask clarifying questions.  XXXX  reiterat ed the payment options, emphasized that she was from " Prince, Parker & Associates '', aske d for my wifes phone number and disclosed information about the debt prior to asking me who I was and prior to reading me the mini-miranda disclosure. When I asked  XXXX  what she meant by being referred for further collections meant, she fumbled through her response and ended saying that the account would " leave the attorney 's office '' and " be referred for additional collections with different payment options and credit implications '', at which point I asked her she was giving me false, misleading and threatening information -  XXXX  hung up the phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Back on XXXX XXXX, 2014, a company called XXXX XXXX XXXX called a phone number associated with my out of state employer in an attempt to contact me. When the phone was answered, the debt collector proceeded to disclose a debt I have with Capital One to the person who answered without confirming who they were speaking to. A cease and desist letter was sent to the company, Capital One and the Attorney General 's in both XXXX and XXXX, where I reside. Complaints went unanswered by the collection company and creditor, and to date, the AG 's are pending responses from both companies. There has been no further attempts at debt validation or written communication to date from the original creditor or 3rd parties acting on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: I believe I have Genesis loans from Corinthian Colleges and would like to know if they were included in the CFPB settlement. 
Name : XXXX College - XXXXAddress : XXXX XXXX XXXX. XXXX XXXX, CA XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with GUARANTEED RATE INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Through the mortgage refinance application process, our social security numbers were transferred via unprotected email without our authorization or knowledge by an employee of Guaranteed Rate Inc constituting a violation of the Gramm-Leach-Bliley Act, Safeguard Rule requiring financial institutions under FTC jurisdiction to have measures in place to keep customer information secure.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other

Complaint: In XX/XX/XXXX, I participated in credit protection with citibank card. After learning what it really was, in XX/XX/XXXX, I called to cancel my membership. I realized that this was a waste of money. I continued to pay my minimum balance assuming that the credit protection ceased. To my dismay and surprise, the fee continued to accrue. I have tried calling and writing letters to the company, but I am blocked and ignored. The credit protection was finally stopped in XX/XX/XXXX. A total of 7 additional years of applied fees. The fee is XXXX on every outstanding {$100.00} monthly. The debt is enormous and at the same time, I have lost my job. I spoke to a banking representative who directed me to go this path.

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 01-04-2017 about Debt collection (I do not know) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Reporting erroneously/ incorrectly/ inaccurately with Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I requested that the XXXX credit reporting companys take off the reporting bankruptcy. I first filed on XXXX XXXX XXXX, but did not go on with it.It was dismissed But they keep reporting it like it still has happened. Also the same thing happened on XXXX XXXX. XXXX has reported XXXX different bankruptcy when none of them should be reporting at all. 
I have sent the XXXX companys copys of the dismissal letters but they seem to just keep reporting the same. I have been looking to get a home for my family, but cant because this is on my report.I also have multiple inquiries on my report that I would like to be removed, because of the bad reporting. please make them take this of my report. 
thank you for your support XXXX XXXX XXXX vet.

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 12-02-2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Credit decision / Underwriting

Complaint: My home was wrongfully foreclosed XX/XX/XXXX while my modification was still being processed with Ocwen Servicing. Ocwen Servicing agreed to rescind the property foreclosure sale and modify my mortgage loan to lower my payment. My mortgage has been modified, but Ocwen is reporting on my credit report Foreclosure redeemed. That is incorrect information that has reported to the credit bureau 's. I would appreciate your assistance in this urgent matter. This information on my credit report has hindered my employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a federal student loan through NAVIENT. I have been making payments for the last 3 years without missing a payment. I was offered a lower repayment plan 2 years into my loan which I took, because I was reassured my interest would not be raised and my total loan repayment amount would not increase. Basically a week ago I find out that after 3.5 years of payments towards my original $ XXXX student loan, the loan had decreased ONLY {$250.00} to an updated principal balance of {$25000.00}. AFTER PAYING $ XXXX TO NAVIENT OVER XXXX YEARS MY LOAN BALANCE DECREASED {$250.00}! I called/emailed them to find an explanation, and after multiple attempts to dodge the situation I got in touch with a " manager ''. She told me that she looked into the recorded phone call I had with them and that I was indeed given wrong information but there was nothing Navient could do about it because of some " rules and regulations '' document they claimed they mailed me. She said that for the majority of the time of my loan, over 3 years, XXXX % of my payments was going to interest and only XXXX % towards interest. All in all my $ XXXX student loan would take $ XXXX to pay back ( I have this in writing and over a recorded call with Navient ). I told her how unacceptable that is and she said theres nothing she can do because I signed up for the " graduated payment plan '' even though a Navient employee told me wrong information on it regarding interest/life of loan ( again, she admitted and recognized that I was told my interest would remain the same and that I would be paying the same amount over 10 years just in graduated increments- all of which was completely false ). She said she was sorry about the misrepresentation of the plan but that it was on me. 

Please call me with any questions as I want to help my situation as well as take down this corrupt company.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: For three weeks in XXXX of 2013, I tendered payment for the amount which met the party claiming to be the beneficiary 's demand to pay off the mortgage account and release the lien against my property. The payment was tendered in the form and amount which met the demand with the assistance of XXXX XXXX and Escrow in XXXX Washington. XXXX failed to credit the tendered payment to the account and in XXXX of 2013, informed me that they were transferring the servicing to Select Portfolio Services , Inc. ( SPS ). I immediately informed SPS of the situation and they failed to investigate the tendered payment. I informed them multiple times of the failed credit of payment in addition to other title issues and they failed to respond to my questions ( they did respond with information unrelated to my questions in bulk ). 

SPS has also submitted false declarations in order to advance a non-judicial foreclosure. SPS is advancing a non-judicial foreclosure on a non-existent, predatory promisory note made in favor of a company that did not exist at the time the note was made, and non-existing deed of trust which was unlawful in form in the state of Washington.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Payday loan () with ADR ARBITRATION SERVICES (Closed) (TX).
Issue: Charged fees or interest I didn't expect

Complaint: They Keep HARASSING me using fake numbers from the XXXX XXXX assistance hotline. They will call saying that they were going to serve me papers and come put me in jail over a payday loan. They even went as far as threatening to come up to my job if i dont abide by they 're rules and " Laws '' that they have. Lied saying that i commited bank fraud when i simply had to change debt card 's due to unauthorized activity on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Debt collection (Payday loan) with AmeriCash Holding LLC (IL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I called into Americash customer service line to inquire about a notice I received on my loan. The notice was a " Notice of Adverse Action '' sent on my account XXXX times ( latest being dated XXXX XXXX ), but payment was made on time. Called into customer service and spoke to " XXXX ''. XXXX was extremely rude telling me to just disregard the letter. I seemed to be annoying XXXX when I continued to try to get an understanding of what was going on. I asked XXXX could I speak to a supervisor. He came back 1 min later and said no one was available. I told him I would just hold until XXXX was available and he says " just call back! ". I said fine.. my intentions were to call back to speak to another representative. I asked for his name again and he said " XXXX ''. Then I asked for an additional way to ID him. I asked for ID number and he says " It does n't work like that and just call back! ''

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In response to a debt collection letter, I sent XXXX XXXX XXXX a certified letter dated XX/XX/XXXX requesting Verification of Debt demanding the production of certain documents. XXXX responded with a letter dates XX/XX/XXXX. 
On XX/XX/XXXX I sent them a second letter advising XXXX of the insufficiency of their response and again demanding the production of certain documents to verify the debt per the Federal Debt Collection Practices Act. They refused to produce said documents, and in violation of the law continue to report the unverified debt on my credit file. A third letter was sent to XXXX on XX/XX/XXXX demanding the removal of the offending entry on my credit report. There has been no response whatsoever from XXXX to my third letter, which advised them that I would take legal action and report their illegal activities to the proper governmental governing bodies. 
It has come to my attention that the Arizona Department of Financial Institutions fined XXXX XXXX XXXX the sum of {$170000.00} on XX/XX/XXXX after reviewing more than XXXX consumer complaints for engaging in the same illegal collection activities cited here. Please stop them!

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Bank account or service (Checking account) with PNC Bank N.A. (NJ).
Issue: Problems caused by my funds being low

Complaint: I have PNC Bank Checking virtual wallet account.On Wednesday Night around XXXX I received TEXT alert that they transferred {$2.00} overdraft protection account and balance was LOW and woke up at night ran to PNC ATM and Cash DEPOSIT in amount of {$200.00} at XXXX and my available balance was {$170.00} after same night around XXXX I received TEXT alert that my account is overdrawn on thursday morning XXXX ACH DEPOSIT came in my account in amount of {$10.00}, {$12.00}, and {$50.00} Total XXXX ACH deposit around XXXX. TOTAL DEPOSIT ( Cash+ACH ) is {$270.00}. 

So I did my part and act quickly to make account in positive balance BUT they still charge me {$36.00} fee for overdraft this is insane and they refuse to waive charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/31/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have contact the Credit Reporting agency several time wih a police report and FTC Report regarding identity theft, fraud and yet they still don.t block information on my credit that is not even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Credit card () with BARCLAYS BANK DELAWARE (DC).
Issue: Billing disputes

Complaint: I made a hotel reservation with XXXX on XXXX XXXX, 2016 for a travel date in XXXX 2016. A few days before my trip I called the hotel to confirm my reservation. I was informed by the hotel that the reservation made by XXXX had been cancelled and there was no current reservation on file. When I went to the XXXX website, I discovered that the homepage was now a blank screen with a notice that stated XXXX has filed for bankruptcy and is no longer in service and that " in most cases, accommodation reservations have not been paid and the booking is not secure. '' I checked my Barclay statement and noticed that the amount of {$410.00} was charged on XXXX/XXXX/2016 by XXXX. I quickly filed a dispute with Barclay ( Case No. XXXX ) in XXXX 2016 and received a response on XXXX XXXX, 2016. The notice stated that I would receive a provisional credit for the disputed amount, the merchant would be contacted, and if the amount will be rebilled, that I would receive another notice. I did receive a provisional credit from Barclay in XXXX 2016, but I never received the additional notice Barclay promised when my account was rebilled for the {$410.00} a few weeks later. I did n't understand why I was being charged the disputed amount when I provided all the required evidence Barclay requested to prove my service was never received from the merchant that issued the charge. I sent an additional statement to Barclay regarding my dispute with the XXXX charges ( dated XXXX XXXX, 2016 ) and asked Barclay to reopen the case, but received no response. I contacted the dispute center on XXXX XXXX, 2016 to follow-up and found that no progress has been made in settling this dispute. 

It has been over 5 months since my initial dispute was opened and I have received NO communication from Barclay regarding its progress to resolve this matter. XXXX charged me for a service that was not received and has since filed bankruptcy. In fact, if the merchant 's website is visited, it clearly states that any reservations made with them are not secured or paid for. I do n't understand what other evidence Barclay needs to close this case. As a customer of Barclay, I would expect them to fight on my behalf against this type of fraud and financial abuse from merchants. Instead, they have neglected and ignored my claims.

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 monetary relief
Consumer complaint received 11-01-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: They did not remove the debt against home after it was discharged in bankruptcy for Chapter XXXX over 2 years ago. Have sent letter asking to vacate the credit card debt lien from home.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Consumer Loan (Vehicle loan) with Mid-Atlantic Finance Co., Inc. (SC).
Issue: Problems when you are unable to pay

Complaint: I had bought a 1998 XXXX from a buy here pay here car lot.Paid over XXXX years then had my account sold to Mid Atlantic Finance in XXXX Florida.I tried trading this car in but was told this car was only worth XXXX.I was having to pay XXXX.So I gave the car up, as it was not worth it.This company got the car back, and then started reporting on my credit.This year since I disputed the debt they have changed the amount owed from {$3000.00} to over {$4500.00} they also changed the months on the term to 360 months for a car, not a house.This is crazy.This company is just trying to report false information on my credit score to make it go down since I did n't finish paying them what I feel I do n't owe them in the first place.The tax notice states the cars market value at {$2100.00}.

Company response to consumer: Closed with explanation