milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (KS).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX ( servicing company ) sold my mortgage to Select Portfolio Services ( SPS ) in XX/XX/XXXX. I was approx XXXX months behind on my mortgage when the change occurred ( XX/XX/XXXX ), once the loan was transferred to SPS, I paid {$3000.00} on XXXX in effort to catch up to what I was behind, per the statements from XXXX, with a remaining balance of {$300.00}. In XX/XX/XXXX, SPS sent a statement indicating that I was behind {$7600.00} which included the arrears, there was an amount of {$2800.00} was assessed in compounded interest which was deferred interest that should have been added to the end of the loan per a XX/XX/XXXX loan modification agreement I signed with XXXX. The {$2800.00} was instead added to the loan, and I was also advised of a {$1900.00} escrow shortage. I received XXXX notice of a escrow shortage, and there was no indication there was an issue. As a result of the escrow shortage, SPS placed Forced Insurance on my mortgage, and my payment went from {$1200.00} to {$1500.00}. I spoke to SPS about the problem and explained to them the lack of notice about this escrow shortage, and the forced insurance was cancelled but after XXXX months. I was not returned the amount that was assessed as a result of this insurance, when in fact, this insurance should not have been placed on the account in the first place. I ask that CFPB look into the practices by SPS as they have placed a financial burden on me, due to having to my payment going up, and this has caused significant stress this has placed on my personal life.I want to stay in home and would like to continue to make my payment, but the lack of miscommunication, and the error by SPS have been become far too many, and I bring this to your attention, as there very well may be other in my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (OR).
Issue: Trouble during payment process

Complaint: In XXXX of 2017 I called PennyMac to request that all overpayments sent by electronic check be applied to principle rather than advancing the payment due date. The representative agreed and said the changes were made at that time. When my XX/XX/XXXX payment was applied to my account at PennyMac, they erroneously applied 100 % of the payment to principle instead of distributing it to principle, interest and escrow. I messaged them online and they promptly corrected the error. I was told the problem that caused the error was fixed. When my XXXX 2017 payment was applied, again 100 % of the payment was applied to principle. On X/XX/17 I messaged them to correct the error. They assured me the error would be fixed. When I checked on X/XX/17 the error had not yet been fixed and there was now {$30.00} late fee applied to the account dated X/XX/17. Again I messaged them online insisting the error be rectified. As of X/XX/17 the XX/XX/XXXX payment has now been re-applied properly ( to P & I and escrow ) to the account, but the late payment fee, which resulted because of PennyMac 's error, has not been reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Student loan (Non-federal student loan) with AES/PHEAA (WI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Since XX/XX/2016 I have been trying and doing everything the AES has asked in the time they have requested, but they still deny me the right to have a Long Term Repayment Modification on my account. I am unemployed at the moment and I need this because I am close to defaulting on my loan repayment. They have asked for paperwork that I have given in the time they gave me, but each time the come back with the same response ; " they have not recieved the porper paperwork in the time that was required ''. This is not true because I call them and make sure that I have all the paperwork that is needed in and in the time that they gave me to get it in. The person ( s ) I talk to they always say that I have it in, but some how I do n't at the same time. The are giving me the run-around and it is ethically unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX DOB XXXX/XXXX/1968 ESCALATE THIS TO YOUR LEAGLE DEPARTMENT IT HAS AN ORDER THAT MUST BE FOLLOWED TO REMOVE THE BANKRUTCY CHAPTER XXXX FOR XXXX XXXX XXXX THIS HAS BEEN IGNORED I NOW HAVE THE COMPLET ORDER READ PAGE XXXX OF THE ORDER. 
DO NOT USE E- VERIFY OR XXXX XXXX YOU MUST READ ALL DOCS XXXX. Old address on page XXXX MUST BE REMOVED REMOVE ALL FRAUD ALERTS AND REMOVE ID SECURTY ALERTS I DID NOT ASK YOU TO PLACE THEM ON MY REPORT. 

BANKRUTCY chapter XXXX for XXXX MUST BE DELETED VIA COURT ODER SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX XXXX NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER XXXX ALSO MUST BE REMOVED VIA COURT ORDER READ ORDER IN CHAPTER XXXX FOR STATE OF VA remove COAF INQUIRY ... DO NOT SAY VERIFIED I CALLED THEM AND THEY DO NOT KNOW WHO I AM AND HAVE NO PAPER TO SHOW I APPLYED FOR CREDIT. 
PER FCRA YOU MUST SHOW HOW YOU CORRECTED THE ITESM AND SHOW HOW YOU INVESTIGATED THE COURT ORDER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2015 about Debt collection (Medical) with Medical Business Bureau (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My first time seeing outstanding medical " bills '' was on my credit report from a company called Medical Service XXXX in the amount of {$6800.00}. When I sent Medical Service XXXX a validation of debt letter ; they replied with only {$3600.00} all of medical bills that are covered by XXXX and XXXX for my children and XXXX small bills that were paid by my insurance company and my deductible. When I provided proof and ask them to respond with a verification of this debt to be valid and true in 30 days, there has been no reply. The company can not validate this debt because it does n't exist. I 'm requesting these billing be removed from my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Bank account or service (Checking account) with TCF NATIONAL BANK (MN).
Issue: Problems caused by my funds being low

Complaint: I have a TCF bank account and with it I chose the option to have them cover any transactions that may put me into a negative balance and charge me an overdraft fee ( OPT-IN ). At the end of XX/XX/XXXX I used my XXXX that is attached to my checking account. The transaction went through at the store but days later was rejected for insufficient funds. I was charged an overdraft fee and a returned check fee. When I called XXXX times and asked why these were returned ( because I do have the OPT IN coverage ), they told me that XXXX does n't say they will cover all transactions. I asked what is the criteria for not covering and no one could tell me. The solution they came up with was to open a savings account and they could pull $ out of there to cover the insufficient funds in the checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/20/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, I am a veteran from the XXXX XXXX, and I am unemployed at this time because of my injuries from the military and other XXXX issues. My mortage holder forclosed on my loan because of accounting errors on their part and applied forced insurance amounts to my account statements and spread sheets when we already have our home insured thru State farm insurance agency. We would make payments to the mortage company and they would in term send our payments back or would deny that they receive them at all. We are doing the best that we can with making our payments on time but it is very hard to do with our lender threating us with forclosure notices. We have been back a forward with them trying to resolve serious issues with them we have not came to a favorable conclusing at this time. We think that our mortgage company has fail to follow appropriate billing and accounting practices with our homeowners loan.

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

Complaint: My account w/ XXXX is being reported as a 90 day delinquency. I have made contact w/ Equifax and provided proof from XXXX indicating that I WAS NOT in delinquent BUT in forbearance. <P/>Payment history is 30 % of my credit score and its accuracy is most important. <P/>update the report and remove this 90 Day delinquency for XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was being handled by XXXX servicing out of XXXX, IL up until XXXX XXXX. It was then turned over to Green Tree Servicing , LLC. I am having a difficult time resolving the change in my escrow payment since the loan was transferred to Green Tree. I have called numerous time requesting an escrow analysis but have gotten nowhere. 
First they told me they would do it, then I was told they were using the one that XXXX did this past XXXX. How can they go off an analysis that is number XXXX, old and not current? 
Two, Green tree told me that they paid my homeowners insurance when in fact it was paid by XXXX back in XXXX. 
Three, I recently received a notice from Green Tree and it was addressed to the woman that I originally bough the house with, but, in XX/XX/XXXX, I bought her out and the deed was put into my name. I asked Green Tree about this and got an argument from them that I needed proof she wasnt on the mortgage. REALLY??? how about you look at the title search that was done when I modified the load with XXXX???? 
I have also repeatidly asked for the manager, XXXX XXXX XXXX to contact me and explain this all to me. That was a week ago and I still havent received a phone call. 
I have also asked for help with my mortgage due to being out of work from a work related accident. Im a trucker and I rolled my truck on XX/XX/XXXX and have been out of work since. Still no solution has been even offered. 
The lack of attention to such an importatant matter and the fact that they are sending out collection notices to people that arent even on the loan is troublesome. Green Trees servicing lacks any and all consumer confidence for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am submitting this dispute on XXXX XXXX XXXX that is reporting on my experian credit report. This bank is reporting the account was opened in XX/XX/XXXX.This account had fraudulant activity on it and I reported it back in XX/XX/XXXX to XXXX XXXX XXXX that there was fraud. It has been proven and deleted off my other 2 credit reports ( XXXX and XXXX ) however experian is still reporting it. It is also reporting then it stops reporting for 2 years XX/XX/XXXX/XX/XX/XXXXthen they start reporting again then off again. This is completely wrong as having this incorrect information on my experian credit report is affecting my credit score in a negative way. I 've tried to resolve this issue with experian but to no avail I get nowhere. I want this account removed off my experian credit report. I should not be held liable for an account that was fraudulant.

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 11/21/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TN).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XX/XX/XXXX I filed a claim with my auto insurance company for damages to my car. I got the work done on the car and paid for it with the insurance money back in XX/XX/XXXX. XX/XX/XXXX they returned the check saying it wasnt properly endorsed. A whole year and a half later without warning. The check was for {$3500.00} which overdrew my account and absorbed my pay roll check. Leaving me with no money. Ive called usaa over ten times and talked to countless reps. They have hung up on me everytime. No one can answer my questions there just leaving me to wait or hope that I just stop calling. Usaa managers have promised to call me back and refuse To call me or take my calls. Ive been with usaa 8 Years and in the service for 8. I  thought usaa was for the soldiers/members. With the check being over a year old they should have contacted me so that I could have set my finances up not take a lump sum garnish me. Also they froze my brokerage account and wont allow me to transfer funds out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Now XXXX have I disputed these XXXX accounts ... I was the victim of identity theft and I have submitted the police report and decision letter by the Social Security Administration issuing me a new social security number to both XXXX and Trident Asset Mgmt. I 've exhausted Over 2 months with disputing these XXXX inaccurate records and they still have n't deleted the XXXX accounts from my credit report. I have provided all required by FCRA to show proof of identity theft from which I suffered. They have also blatantly lied to XXXX XXXX or XXXX has conceded without proper investigation into the inaccuracy of these accounts XXXX and reported that I had never directly communicated with them, and even ... that they had no contact information for me. I can provide mail from Trident Asset Management that verifies contact initiated by me and their response. Now this company is feigning lack of contact information for me. Their conduct is a direct violation of the FCRA and at this point I 've suffered irreparable harm as a direct result from the XXXX accounts remaining on my credit report. They have even defrauded CFPB by reporting that they had no contact information for me ... and further, that I had n't communicated with them directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I fall under thecurrent lawsuit I was only offered a forebearance, late fees, and misapplication of funds. I took out an XXXX loan that has costs me over XXXX. I have complained and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: During my relationship with Nationstar as my mortgage holder, they tend to lose or misapply my mortgage payments to completely unrelated accounts at least once and in some years twice. XXXX has done this with my XX/XX/2016 payment which exceed the amount due and was sent in the form of XXXX cashiers checks and XXXX small money order totaling XXXX. The loan account number was written on each and a cover letter was also provided. I called them in XX/XX/XXXX when I received a notice concerning the XX/XX/XXXX payment. on XX/XX/XXXX, the gentleman on the phone at Nationstar confirmed that they had just received the XX/XX/XXXX payments and he could see it in his system. He could also see the wire I had sent earlier that day for the XX/XX/XXXX payment. On XX/XX/XXXX, I received a notice dated XX/XX/XXXX that they were threatening foreclosure and I was owing a payment. I called Nationstar and spoke with a person named XXXX who was useless in identifying my earlier conversation that had said he could see the checks. The threats to foreclose and the mishandling of my payments has increased since my house is no longer underwater in value to debt. Nationstar is either deliberately putting my account n jeopardy or is grossly incompetent

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: APR or interest rate

Complaint: Greetings, today I received my statement from Barclsycard and noticed how high my interest rate is. I 've been paying on this credit card fir a white, without any other purchases. 
Yet the amount owning is not going down, so I spoke to a manager named XXXX who could n't answer my question as to why they could n't lower my interest rate. XXXX then transferred me to XXXX supervisor who basically gave he the same bull. They gave my interest rate at 22.4 %. Which I find outrageous. They make it impossible for consumers to pay off the debt by keeping the interest rate high. When asked why they could n't lower my interest rate? I was told they could explain why. I 'm requesting that Barclaycard lower my interest rate immediately. I have been a great customer to barclaycard, I have never been Late on my payment. I was told by the sales agent when I applied for the credit card that my interest rate would be 10 % because of my great credit score. I found out later that was a Lie. I 'm requesting that Barclaycard lower my interest rate, so I can get this credit card paid off. The account number ending in XXXX.

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 06/17/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I received a promotional offer for XXXX aadvantage miles if I opened up a CitiGold checking account and made {$1000.00} in debit card purchases and paid a bill with bill pay for two consecutive months. I opened the account online using promotion code XXXX. Even though it has been over 90 days since I met the requirements, I still have n't received my points! As you can see in the attachment I provided, Citi has even confirmed that I met all the requirements. They said I would receive the points by XXXX/XXXX/16, and they have n't deposited them into my aadvantage account yet. I think that Citi Bank has lied to me and pulled a bait-and-switch tactic. CFPB, please help me correct this problem.

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 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I lived in XXXX, XXXX, XXXX, and XXXX, XXXX. But I never live in XXXX and XXXX I never live on address : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX

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 01-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: TransUnion is erroneously reporting XXXX account as a rolling 120 days late even though this was paid as agreed and settled on XXXX. Other credit bureau agencies are reporting this correctly. 
I am requesting that the above referenced item be reported as current, not a rolling 120 days late. This dispute was also completed on-line. This account was paid as agreed and settled as of XX/XX/XXXX2014. 
Be advised that this information is damaging and prohibiting me from securing a loan for the purchase of a home for me and my family. 
I am also requesting the receipt of a copy of the corrected credit report within 30 days of receipt of this letter along with an attached letter that reflects the above changes.

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 02-07-2018 about Credit card or prepaid card (Store credit card) with DISCOVER BANK (NY).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I received my XXXX  report on XX/XX/XXXX, my credit rating is XXXX, I have been employed at the same job for over 16 years. My payment schedule is " exceptional '', as is my credit history length. On XX/XX/XXXX I applied for a XXXX XXXXXXXX XXXX XXXX card for the express purpose for a balance transfer, I was denied. Yesterday I applied for a XXXX XXXX XXXX card, again for the purpose of a balance transfer, I indicated in my application that I had a {$7500.00} balance I wished to bring over. They offered me a {$2000.00} limit. After the application, I received the report from XXXX  and called XXXX. At first I was hung up on. The second time I spoke with " XXXX '' who offered me a credit increase. After a litany of questions she put me on hold. When she came back, she came back and offered me {$2500.00}. I told her I didn't want the card. Upon closer inspection of my XXXX account my average account age is 8 years 1 month my oldest account is 21 years 3 months and no time since negative. I also saw that XXXX has done about 25 credit checks on my account recently without my knowledge or consent. I believe this along with my previous filed complaint are the reasons why my credit cards are being denied.

Company response to consumer: Closed with explanation