milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Mortgage (Conventional home mortgage) with NEW YORK COMMUNITY BANK (TX).
Issue: Struggling to pay mortgage

Complaint: NYCB clearly believes it 's mortgage servicing " policies '' are above Federal Laws.
In the case of a Decedent - NYCB literally, put in WRITING, in a reply back to my first complaint filed with the CFPB : They " had told me already that they do not accept delegations '' from a United States Court Appointed Personal Representative regarding loan information. So sorry, but - what?? The Legal, court appointed, stand in for a XXXX person has no delegation rights over a mortgage loan with NYCB? On what planet would this be considered legal? Let alone Humanly Decent? To make this stance even more deplorable, it is a FALSE statement. They did NOT tell me that they did not accept a Personal Representative 's delegations, AND I WAS able to speak to an NYCB representative regarding this loan account with the Personal Representative 's permission and transfer over the phone. So which is it? They DO accept delegations, or they DO N'T? Was the phone transfer not a delegation? I 'm confused, are you? NYCB blatantly made these statements, back to a CFPB complaint, in writing! . Additionally, NYCB has already very clearly violated at least 5 Federal Laws, and then had the audacity to completely skirt their violations, and make additional irrelevant, as well as more false and misleading statements in their reply back to my first CFPB Complaint. Do not trust this Mortgage Servicer to provide information that is anywhere in the vicinity of the truth. They violate Federal Laws with abandon, and clearly have no respect for the US Legal System, or human beings. If that 's not enough, they will flat out lie. Oh, yes, AND NYCB will attempt to, or get away with, illegally taking your real estate - while doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NV).
Issue: Making/receiving payments, sending money

Complaint: My son had moved to XXXX and my nephew set up a Paypal account for me. My son was depositing money so I could pay his bills in the state plus deposit money into our account for him. I had withdrawn money and put it into my bank account and then I went to withdraw again and there was a hold on my paypal account. 
I contacted then and they informed me the paypal account was a business account and they needed more information. I told them there was a mistake as it was suppose to be a personal account not business. They informed me they would let the department know and the account would be released. That never occurred and I phoned them 4 more times. I spoke with XXXX and XXXX supervisor who told me that department is very behind and it takes at least 6 months to look at the complaint and it 's been just over 5 months. They told me they received all the paperwork that I sent and that it would be at least another month before it was looked at. 
My son was n't able to start college on time and he 's not getting the interest on his money he would receive in the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY ().
Issue: Making/receiving payments, sending money

Complaint: Please see Case Number XXXX. 
In this previous complaint Wells Fargo have stated in writing ( both to the CFPB and to me ) that it is possible to transfer funds from my Wells Fargo account to a bank account in XXXX using the Wells Fargo online banking system. In fact this is is simply not true. The Wells Fargo online system allows transfers to various countries in XXXX and XXXX XXXX, but it absolutely does not allow transfers to XXXX. I believe that the Wells Fargo response to my complaint # XXXX is simply false.

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 06-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I happened to check my credit report today and to my surprise, i noted some activities on my credit showing different addresses and phone numbers that i never lived on nor had about. I realized that my credit was compromised and my name was in collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a XXXX XXXX through XXXX XXXX ( XXXX XXXX ). There was a data breach at the company that caused them to want the card frozen. Unfortunately, and through no fault of my own, their computers never shut the card down and I was able to continue making purchases on it. One day, after checking my account details, I noticed purchases having been reversed. In addition, there was a 60-day delinquency being reported. 
I called Customer Service with regard to the matter, and a manager named " XXXX '' called me back the next day. He explained that, in their error, the card was never shut down as they wanted it to be. A new card had been sent to my old address and returned to them as undeliverable. XXXX assured me that all would be taken care of. They would send me a new card, to my current address, and would also remove any and all derogatory information sent to the credit bureaus. This was in XXXX. 
Last week, around XXXX XXXX, my credit monitoring notified me of another 60-day delinquent notice that had been sent to the credit bureaus. In addition, an " over the limit '' indicator was there. This, combined, caused a XXXXpoint decrease in my score. 
I called Customer Service and they reiterated the conversation I had with XXXX in XXXX. It was confirmed that I had faxed in the necessary information to have the new card sent. However, I was told that they would need to confer with XXXX related to any reversal of late fees and also any removal of negative information to the credit bureaus. 
I was told XXXX would call me " right away '' but no word from him at this point. XXXX XXXX indicated this was their error and they would be happy to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Mortgage (FHA mortgage) with loanDepot.com, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I notified my mortgage lender that the State of XXXX was going to pay taxes because I am XXXX back in XX/XX/XXXX in writing per RESPA rules regarding correspondence and the lender did not answer with in XXXX days. I asked the lender to answer and to remove the taxes from my payment this request was made threw correspondence and over XXXX phone calls, including XXXX of XXXX approval letter XXXX that were sent to the mortgage company telling them the mortgage taxes would be paid for XX/XX/XXXX and XX/XX/XXXX. I asked that the impound account be removed and it was denied with no letter they told me when I called in because my loan is fha. I asked for the XXXX in escrow since the taxes are paid for XX/XX/XXXX and XX/XX/XXXX by the state and they gave me a hard time and several times told me they do n't care about only XXXX months cushion or RESPA that they have there own rules. It now XX/XX/XXXX and they told me they mailed me a check XX/XX/XXXX 16 days ago. 
I did not receive a check and they told me there keeping XXXX for cushion. I have never been late and own XXXX percent of my house. They are holding more than XXXX cushions in violation of RESPA and I never received a check. They told me there billing me monthly for XXXX which includes taxes for XXXX x XXXX = XXXX which is more than XXXX cushions as the taxes have been paid for XX/XX/XXXX and XX/XX/XXXX. They told me they did n't care because they rules trump RESPA. Although I have told them I elect to have the state XXXX program for homeowners pay the taxes for 2 years so there is no need to include the taxes they want to hold the extra cash to the tune of XXXX and they have n't paid me interest. XX/XX/XXXX taxes are paid and I sent the proof so if the taxes are paid why would the lender collect the money on paid taxes? That they have proof of. Its predatory lending on the XXXX. 
Where my interest on the escrow balance? The state gets the tax bill not them. 
I wrote and told them everything per RESPA no letter addressed any of it from XXXX aka loan depot. Please help me I am XXXX. I have become sicker and the phone for hours for 4 months XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX - XX/XX/XXXX   {$10000.00}  XXXX   XXXX   XXXX  says I owe Dispute after dispute after dispute to no avail ...   Contacted t he Better Business Bureau a nd reported incident Reported t o The Attorney Generals Office  and told entire story Called  XXXX   XXXX . Talked to a representative that assured me this would be rectified and taken off my report, but failed to do so.

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 11-10-2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: Every year, we receive corrected statements from Scottrade but this XXXX is a joke. Just received in the last week of XXXX 2015 still another corrected form, long after the return has been filed. This is unacceptable to place the burden of proof back on the investor when we have already reported in good faith.

Company response to consumer: Closed
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with R & B Corporation of Virginia (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: There are 3 separate collections accounts on my credit report from the same company, I have contacted XXXX XXXX and they have no information of any coolections accounts, they then referred me to credit control corp. they can not locate the account in their system either ... I believe 1 or all 3 were erroneously placed on my account. I 'm terribly frustrated that I can not find out why this is being reported on my account and why there are 3?? .. how can I find someone to help me?? The account # 's are XXXX, XXXX, and XXXX. I spoke with a very nice girl from credit control corp. and she looked them up and also used my SS number and could not find them!! Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted the attached letter to the servicer of my loan asking that they send copies of my trial period payment loan modification offers. I 've had XXXX offers that I 've paid on and the servicer had refused to make permanent. They are now also refusing to send me copies of the offers they made on ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) Attached are also copies of my payments made I have also requested other information which they refuse to provide without a proper objects. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: We filed complaint XXXX with the CFPB regarding XXXX XXXX XXXX XXXX 's dishonest practices and on XX/XX/XXXX, XXXX replied to CFPB ( and us ) acknowledging that despite their 10 months of harassment and claims to the contrary that our loan account was in fact PAID-IN-FULL- AS-AGREED, last XX/XX/XXXX ( just as we had stated ). In their XX/XX/XXXXletter XXXX promised to correct the reporting to the credit agencies, but in fact XXXX just ( on XX/XX/XXXX ) dishonestly reported to the credit agencies that we were over 120 late and there was a balance {$2000.00} which are both incorrect, see XXXX 's letter dated XX/XX/XXXX acknowledging this.
In the years we have dealt with XXXX they have NEVER done what they said they would do and XXXX  would not have written the attached letter acknowledging their errors, if we had not provided the CFPB with documentation proving our claims. CFPB is XXXX 's regulator Agency, Please make them follow the law and correct ALL their errors and our credit. XXXX should not be able to violate Dodd Frank and the Fair Reporting laws in this matter without dispensary action.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax failed to do their part in securing the personal information stored on their servers.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I secured a mortgage in XXXX through a XXXX XXXX affiliate, XXXX XXXX XXXX XXXX, and I was paying them through their own servicing company. XXXX XXXX, in entirety, went bankrupt in XXXX. I stopped making mortgage payments in XXXX/XXXX/XXXX, when I could n't find out who held my title deed and mortgage lien.In XXXX, XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX XXXX, initiated a foreclosure suit. However, it was XXXX XXXX XXXX that claimed to be an injured party on all thee credit bureaus starting in XXXX. I have never signed any contract or owe any money to XXXX XXXX XXXX. In XXXX XXXX, XXXX removed XXXX XXXX XXXX from my credit report. Equifax and XXXX refused to remove XXXX XXXX XXXX from my credit reports with them in XXXX XXXX. As my credit scores and job opportunities has been negatively affected by XXXX XXXX XXXX under fraudulent circumstances. I want them removed from all my Credit Reports immediately. XXXX XXXX XXXX is a servicing and not a mortgage company. They are not an injured party to my foreclosure case that has languished 55 months without a court date being set by any plaintiff, not even XXXX XXXX XXXX. Please help me resolve this matter as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Re Credit card # XXXX XX/XX/XXXX I went online to request change my payment date from the XX/XX/XXXX to XX/XX/XXXX in XX/XX/XXXX- as system allowed up to 7 days later from due date. Payment due the XX/XX/XXXX payment, changed to XX/XX/XXXX. However Cap One made the statement appear that I cancelled payment on the due date -XX/XX/XXXX! ( Keep in mind my monthly payment is due the XX/XX/XXXX. ) They charged me a XXXX late fee and reported to credit bureau late. I have had an account with Cap One over 5 years and NEVER made any late payments and they chose to disrespect me, treat me unfairly, refuse to review and listen and correct. When customers are near their limit they disrespect their customers and and try to double up on late fees and lie about paymnt history. I called Cap one on XX/XX/XXXX and spoke with a male as he admitted I made a payment date change and he placed my payments back to the XX/XX/XXXX for the mon of XX/XX/XXXX-they have no right! So they can make even more $ off of me and reported late and now Im 2 months behind as its incorrect-EVen when I made my payment of XXXX in XX/XX/XXXX-they did no credit act for the month of XX/XX/XXXX- now showing 2 payments due ( XX/XX/XXXX & XX/XX/XXXX ). As u can see I cancelled XX/XX/XXXX payment that they show due XX/XX/XXXX when it was changed to the XX/XX/XXXX! Not fair! The male I spoke with ignored all issues and changed pmt back fraudulently and shows 2 pmts due illegally when they received XX/XX/XXXX payment on top of reported my act past due. If Im 2 payments behind why have I NOT received any calls payments are PAST DUE????????

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Medical) with Credit Bureau Systems, Inc. (KY).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I originally tried to pay this bill to the hospital XXXX ( orignal owner of my debt ). I had XXXX and was waiting to get a few pay checks to get caught up. I know I owed this money, not trying to get out of that. I received a bill from XXXX and I called in ( being proactive ) and I paid my bill in full. I also asked them to make a note on my account that I attempted to pay the bill to the original debt owner ( hospital XXXX ). The lady handling my case was rude to me and called me goofy for wanting that noted. Then she hung up on me. Rude to me and calling me names when I am paying my bill in full is uncalled for. No wonder these people have bad reputations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have contacted XXXX multiple times concerning this debt. An account was established at an address where I 've never lived. The negative account for {$2700.00} has been on my credit history. I 've contested it on my credit report it remains as an accurate account. XXXX has told me they would escalate the issue and have someone call me. No one ever calls.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I learned on the morning of XXXX XXXX, 2017 that Equifax had been a victim of hacking and lost over 100 million customers personal information, one-third of the U.S. population. My information was included in the list. The company improperly protected and stored my information. This leak will follow me for a lifetime and a single year of monitoring service is an unacceptable response/payment for the harm that could come to my financial standing for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I already reported to  Consumer Finance,  they respond in a huge double-talk, non-sense explanation which I do not accept.

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 01/25/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I recently completed a Chapter XXXX Bankruptcy and paid my mortgage and arrears through my Chapter XXXX Plan. My Trustee filed a notice of mortgage cure and has given me payment records that indicate my principal balance should be significantly lower. My loan started with XXXX XXXX XXXX and was then transferred to Greentree and now is with Ditech. No one seems to be able to give me a complete account history so that I can have a XXXX audit my loan file from its inception which is XXXX of 2001.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Debt collection (Mortgage) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In 2014 I pulled up my credit report to view it and seen there were XXXX addresses tied to my name and the were sending me debt collection bills. I immediately went to make a police report and stated that I had never lived in that city. I recieve harrassing calls from Pro Collect Inc., even after I have already sent in all my documentation showing proof that I never resided there.

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 08/26/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I are 1 week away from closing on a house. Our original loan estimate stated a monthly payment of {$1400.00}. Well yesterday we received the Closing Disclosure ( CD ) which stated a monthly payment of almost {$200.00} more. The lender informed us the increase is due to the inclusion of city tax which he did not include in the original load estimate and an increase in insurance premiums. My issue is twofold. First, are the lenders not required to do the proper research for the loan estimate to determine what taxes are included? They clearly did n't and according to their response, " the actual property taxes are provided with the title search and that the closing attorney gets this information directly from XXXX XXXX and city. '' Secondly, we sent the lender the up-to-date insurance numbers at the beginning of XXXX and only now have we been shown how it changed the rate. We never received a revised loan estimate. Over the phone the lender told my wife that is not something they do. Bottom line, had we known the monthly payments were going to be the CD number, we would have backed out long ago and pursued another house. As it was, it was on the top end of our budget and now its over!

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