milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2017 about Debt collection (Non-federal student loan) with The Regional Adjustment Bureau, Incorporated (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have student loans with XXXX and XXXX, I 've spoken with both of them and they both still have all of my loans. They 're in repayment. However, the Regional Adjustment Bureau has been harassing me and other people about my loans. They call my cell phone multiple times a day. They 've called my ex-husband, they 've called and mailed my dead grandmother. It 's straight up harassment. I do n't know how they even got all of this information. My grandmother died last year and they 're sending debt letters to her house with crazy amounts on them. How they got the new cell phone number of my ex-husband, who I was n't even married to until years after I had graduated from the college for the loans is insane. They 're ridiculous.

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 02-12-2018 about Mortgage (VA mortgage) with CITIBANK, N.A. (FL).
Issue: Struggling to pay mortgage

Complaint: I am an XXXX XXXX military member who got orders to move to XXXX from XXXX. At that time over 2 years ago I requested a short-sale as I was unable to pay for the mortgage. I was told on several occasions that my account was not eligible for a short sale and they constantly threatened foreclosure. Over a year later I found out from my command that not only was I eligible for a short sale due to my PCS orders to move it would be an easy process. I again reached out to Citimortgage and argued this point at that time they agreed that I was eligible for the shortsale, Since then it was approved. I had a buyer for the amount that they requested. Later i found out that the decided to changed the amount. I lost that buyer not at a higher price of XXXX, they are not asking for more documentation like I need to reapply for the shortfall. This is overwhelming. I am a military XXXX XXXX and my wife is dealing with severe health problems.

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 11-03-2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have received multiple letters and phone calls from HSBC regarding complaints lodged by me for the way they handled my recent refinance. In each instance they make promises about when they will call and talk to me as well as when I will hear back from them in written form. Once again they do not live up to their promises or meet their obligations. The most recent dates that they committed to and that have come and gone were a return phone call that was suppose to happen on XXXX/XXXX/2015. And letters to me promising a written response back to me by XXXX/XXXX/2015 and again by XXXX/XXXX/2015. None of which happened. I am asking that you please take some kind of legal action against them on my behalf. They are not a reputable company to do business with.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I called today, XXXX XXXX to pay my mortgage to Ocwen Financial Corp. Because it is not past 30 days it would have been on time. I was informed by Ocwen that they could not accept my payment by phone, nor online and that I have to mail by certified check or money order for the next 6 months. They said because XXXX of my checks were returned to my bank ( but were paid ) that they had the right without notification and informing me ahead of time - to tell me, I have to send my payments for the next 6 months by certified check or money order. Because tomorrow is XXXX XXXX - Ocwen is going to mark me past 30 days for being late and send notice to the credit bureaus. If they accepted my payment today - I would not be late. I am very upset because I was not notified of " their/this policy ''. It is not fair and adds more hardship for the consumer. Ocwen is implementing an unfair consumer policy without notifying the consumer - and in this case, purposely tarnishing my credit score because they will not accept a payment from me today. This is inappropriate customer service and an unfair policy. I wonder if it is legal. I will seek a new mortgage company as soon as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Credit card () with CITIBANK, N.A. (WA).
Issue: Closing/Cancelling account

Complaint: I am trying to cancel my XXXX credit cards with citibank I am trying to pay the balances and close the accounts. Due to " fraud prevention '' they are unwilling to do so. I was able to pay the balance on XXXX card online but they are now refusing to allow me to cancel the card because they claim they ca n't verify my identity with out providing a relatives phone number. I was able to apply for, activate, sign up for online bill pay, and use the card with my phone number but now it is fraudulent. The other account they refuse to take a payment because they need a relatives phone number to verify the account. All I am trying to do is close these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2015 about Credit reporting () with CORELOGIC INC (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: CoreLogic/XXXX has placed multiple hard inquiries on all XXXX credit reporting agencies without authorization. I have disputed this matter with CoreLogic/XXXX multiple times, and they only send the same " formed letter '' XXXX times ( the exact same letter ) without any proof or any authorization. 
They must send me copies of signed proof/authorization or remove all hard inquiries from all the CRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (KY).
Issue: Customer service / Customer relations

Complaint: Bank of America was taking a set amount out monthly which I assumed was my minimum monthly amount but it was not. They were taking out {$70.00} but the minimum had gone up so it caused my payment to show late. I had this reoccurring being taken out so assumed all was fine. They called me finally after a year ( they say they were under no obligation to contact me to alert me to the under payment ) and I immediately called them back. By this time I owed {$730.00} to bring the account current. They were unwilling to do any adjustment to my credit record ( I told them I was n't asking for the late fees to be removed, just did n't want my credit ruined ). I paid the {$730.00} but they said it was my fault and they had no obligation to reach out earlier. This does not seem fair. I had my statements set to paperless because it is good for the environment so had n't checked them since I was on automatic payments. Is there anything that can be done to remove this from my credit history? The person I spoke with also would n't give me a reference # for the call or send me the recording ( though he said it was recorded ). He said I would have to send a subpoena. His name was XXXX XXXX but he would n't give me an employee id of any sort. The date of the call was XX/XX/2017 and the approximate time was XXXX. EST. I have learned the dangers of automatic payments and not checking the monthly statements, but am hoping that something can be done as I was not intending to do anything wrong and it seems like they should have had to contact me rather than just let the situation continue and the fees mount up and my credit be ruined.

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 10/16/2015 about Credit card () with Mullooly Jeffrey Rooney & Flynn (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Received a letter from a law firm attempting to collect a debt that was never incurred by me, nor was it ever applied for by me. I contacted them and they stated it was for XXXX XXXX, a XXXX XXXX, and the amount that was owed, they did not have any verification of the debt. So I am disputing the debt, knowing that I did not create this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Bank account or service (Cashing a check without an account) with PNC Bank N.A. ().
Issue: Making/receiving payments, sending money

Complaint: I received a check form the State fo Delaware Office of Unclaimed Property in XX/XX/2016 and this was placed in my XXXX account for clearance. The bank sent this check to PNC Bank in USA for clearance on or about XX/XX/2016 and upon my follow up on XX/XX/2016 ( 8 weeks after presentation ) and a telex to PNC the check was returned on XX/XX/XXXX and I was informed as follows : Date : XX/XX/2016 at XXXX Subject : RE : XXXX- Inward XXXX cheque The update we received from the inwards cheque clearing team is as follows : 1. The original cheque was returned back to XXXX. 
- No reason was given on why the original cheque was returned to XXXX 2. The cheque clearing team has sent the drawee bank a demand draft for the upfront fee XXXX and the Cheque has been re-sent to the drawee bank via DHL On XX/XX/XXXX I requested an inquiry and was told telex and messages were sent to PNB but no response. On XX/XX/XXXX I escalated this to Officer in Charge and received this response : " We have just spoken to our Payment team & our investigation showed that we have since sent 6 SWIFT messages & 3 chaser emails to PNC Bank pertaining to this matter but we have yet to obtain any response on this matter. 
You may like to approach XXXX ombudsman and lay a complaint if there could assist us in obtaining a reply from drawee bank PNC. '' PNC has had this check since XXXX to date and has failed to either cash this check or provide a response. They have taken the payment of XXXX ( XXXX ) and ignored status inquiries. In another 2 months this check will expire and I will have to have it reissued at considerable expense and time. This is unacceptable for cashing a US department check and I would lke to know what PNC intends to do to remit the said funds.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Shellpoint Mortgage Company bought my loan in XXXX 2015. They erroneously charged me {$320.00} a month less in escrow each month than was due. Hence, the additional money was being applied towards my principal. Moreover, I now owe {$2200.00} in back escrow. This is a large sum of money even when spread over 12 - 36 months. To take one year, from time of assumption, to do an " escrow analysis '' is an absurd amount of time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I did not receive anything from these creditors I have sent CERTIFIED letters to them for the past few months, disputed with the credit bureaus and I have heard nothing. I currently have an open account with XXXX that is up to date with no past due balance however there is an account for {$1500.00} reporting on my credit profile unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit card () with CITIZENS FINANCIAL GROUP, INC. (VT).
Issue: Unsolicited issuance of credit card

Complaint: In XX/XX/XXXX I opened a HELOC with Citizens Bank NA. As I went through the renovation process on my house, I ended up refinancing this HELOC several times, all with great dealings and interactions with Citizens Bank.I was on autopay and never ( even to date XX/XX/XXXX had a late payment on HELOC account. 

One day in XX/XX/XXXX, I received a letter in the mail stating that my account was 90 days past due! Highly confused, I called Citizens Goldmember Services, and stated that this was impossible, as I was on autopay. After some digging, I learned that during my original closing ( XX/XX/XXXX ), They had opened a second line of credit for me that I was unaware of. I assumed one of the papers slipped into the closing documents was an authorization form to open this, but it was never brought to my attention, and I have yet to see a copy of this form. 

After some further digging we discovered that one of my accounts has become overdrafted, and pulled from this second credit line. With no autopay in place, it was not payed back automatically. Further I was never contacted either by phone, nor by mail about this overdraft, until the 90 day late notice. I concluded this call by paying the late fees and balance, and setting up an autopay on this credit line, but I felt sick to my stomach as I had never in my life been 90 days late on any credit account. This has obviously had a huge impact on my XXXX. 

As I began preparing to purchase an investment property last fall ( XX/XX/XXXX ), I decided to call Citizens Bank. After several phone calls and several letters they have refused to acknowledge their poor business practices in the closing of the original HELOC, and they have also refused to notate or remove the derogatory 90 day indicator on my credit report. I want the CFPB to be away of this case, and would be happy to answer any questions or clarify any information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (Medical) with RS Clark and Associates, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: this debt collector of RS Clerk and associates of phone number XXXX had somehow threaten me by perhaps contacting my apartment complex as the third party to stop my XXXX housing assistant. the landlord will not give specific probable cause. because I was not in violation of my XXXX. this XXXX accountant of address XXXX, XXXX , Texas XXXX, phone number XXXX of XXXX I must paid {$850.00} left that i could not paid monthly of {$50.00} anymore. just because the XXXX accountant could not wait every month anymore. the debt collector will not accepted a lower amount of {$30.00} or {$40.00} a month. I do work part time and had problems getting my Social Security XXXX benefits started again and other bills had to paid. but perhaps to contact my apartment complex third party to stop the XXXX should have no civil right of this debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Consumer Loan (Installment loan) with Byrider Franchising, LLC (TN).
Issue: Managing the loan or lease

Complaint: I purchased a vehicle from XXXX. Byrider/CNAC Finanace about a year ago. Nine months into the loan, I had a major problem with the vehicle and it was determined that the entire engine had to be replaced. This car had previously been a flood vehicle ( which was never disclosed to me upon purchase ). I returned the car to them and informed them that I no longer want it. The remaining balance of the loan has become a major point of dispute. Since I have explained to them that they will not be receiving any further payments from me, they have harassed myself and my family ( whose numbers they have from my references when I originally purchased the vehicle ) to the extent of upwards 12 calls a day without leaving a message. My biggest problem that I just realized is that they have also been checking my credit score every month for the last three months for the sole purpose to only damage my credit with multiple inquiries. They have absolutely no reason to need to run my credit. I need the harassment to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (I do not know) with Grant & Weber (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: GRANT & WEBER has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe GRANT & WEBER any alleged debt and would like them to provide proof of claim with authenticated verification. GRANT & WEBER has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (Credit card) with Blatt, Hasenmiller, Leibsker & Moore, LLC (IN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: FAILED TO VALIDATE DEBT, CALLED FAMILY MEMBER AFTER CEASE AND DESIST, XXXX ONCE AGAIN VIOLATED DODD-FRANK ACT OF 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX AZ called me on a local XXXX XXXX XXXX XXXX - first on my office number, which is XXXX and was very rude when I requested to remove the number from their call list. I gave the person XXXX XXXX XXXX XXXX my cell number and he called me, again from XXXX number, when he was in Arizona. I requested his company name, location,, and true telephone contact number, which is XXXX. He indicated that his client, Navient, was trying to collect on loans from XXXX ( XXXX and XXXX specifically ), but would not provide me actual loan numbers, instead gave me a sequence of XXXX which is part of my Social Security number. The loans in reference are old and should no longer be on my account and I called Navient, who said they had no idea who XXXX XXXX was. The loans amount to XXXX, but again, these are old loans that fall under the statute of limitations which I am no longer responsible for - regardless, this person was very rude and threatening and when I said that the loans were private and uncollectable, he stated very rudely that " these loans never go away '' which is an absolute lie.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Mortgage (VA mortgage) with BEXIL AMERICAN MORTGAGE INC. (MN).
Issue: Trouble during payment process

Complaint: While I was XXXX, I had contacted a new Home Insurance provider due to better coverage at a lower rate. I had contacted the Company in question ( the loan servicing company ) XXXX ( Castle mortgage ) to see if I could pay the escrow covering my insurance so that they could issue a payment to the new insurance company. They explained to me that they had in internal process to re-issue a insurance payment, I asked them if I paid the amount directly into escrow if that would avoid the issue. They said that it should n't be a problem. I paid {$2000.00} on XXXX XXXX via their online system directly to the escrow Meanwhile, with my new insurance provider, they had not received the payment, and could not get in touch with me. They cancelled the policy in XXXX XXXX. The loan company then in XXXX XXXX sent the new check to the insurance company, who then immediately issued me a refund since they had already cancelled the policy. I opened the check, which was signed XXXX XXXX, late last week ( Friday XXXX XXXX ) to which I called the insurance company and head they had already cancelled the policy, prior to the Mortgage company not remitting payment in time. I had to get a NEW policy, covering a 64 day gap, which will cost me roughly an additional $ XXXX XXXXearly, and am worried the mortgage company will not remit payment in time from the escrow again.
***Additionally, I have been receiving loan services from this company, and believe that they are grossly overcharging me in escrow payments. I refinanced a couple of years ago to go from a rate of 5 % to 3.25 %, my payements according to the good faith esimate ( from XXXX XXXX ) said my new payments would be around {$1100.00} per month. Once the servicor ( who this complaint is about ) took over, they said that there was a " miscalculation '' in the escrow and now my payments have been over {$1500.00}, which is more than at the old interest rate.
Something does n't add up, and I did a minor calculation on what the escrow should be and came in much lower ( $ 449 monthly ) than the {$640.00} escrow payment they say I should be paying.
I believe my escrow has/is being grossly mishandled.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Applied with Bank of America for the reduced loan rate. Application was denied as paying on time. House or property is in Florida and mortgage owed on it is more than it is worth ( low loan to value ratio ). XXXX XXXX XXXX XXXX and house valued is in low XXXX. What are my options? Is the bank allowed to deny my request for a lower interest rate? Currently have a 6.75 % rate. Would like a lower rate from the bank. Is that possible?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (ID).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is an addendum to case # XXXX As previosly stated XXXX promised to manually remove and close account from their system. On XXXX XXXX, 2015 I received a collection letter from a company called " afni '' located in XXXX, Illinois requesting payment. So XXXX account was forwarded afterall.I demand monetary relief.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: I recently filed a complaint about Chase ; back in XXXX XXXX about a balance that I owed on a closed account in the amount of XXXX and some change ; with an agreed amount of XXXX. Hoever today as I decided to pay to call Chase to pay the reduced balanced. The lady in the collection recovery department was really rude and insisted that I pay the total balance due. So I 'm wondering if thier is something that could be done ; and what happened to the previous settled amount? I totally forgot the person who was my representative with chase. If someone can please help me sort this out. I would really appreciate it.

Company response to consumer: Closed with explanation