milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2018 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (MD).
Issue: Trouble during payment process

Complaint: Misapplied mortgage payments ( erroneous payment processing ) and improper credit reporting. My payment is showing over 6 months overdue and Suntrust has reported this information to the credit bureaus. 

Suntrust is the 2nd mortgage on my home. Suntrust sold/transferred the first to another processor years ago. In XXXX, Suntrust placed insurance on my home since they no longer maintained this information. Once lender-placed insurance was forced upon my account ( XX/XX/XXXX ), my monthly payments were no longer being applied to the mortgage. Money was put into a suspense account and my escrow showed a shortage in the amount of the insurance premium. 


On XX/XX/XXXX, I spoke with Insurance dept. where a young lady called XXXX, confirmed insurance has been in place. Within a week I received a " Lender placed insurance cancellation notice. '' On XX/XX/XXXX I opened a dispute with Suntrust 's Credit Bureau Dispute Dept ( Case number XXXX ) On XX/XX/XXXX, Suntrust sends a check of {$680.00} stating these funds were insufficient to bring my loan current and {$2400.00} is outstanding. Suntrust imposed fees and charges while showing 6 prior months of payments are unpaid. Eight payments totaling {$2500.00} of the 10 I've made since last XX/XX/XXXX remain unaccounted for. 

Finally, on XX/XX/XXXX I called and spoke with XXXX ( XXXX ). She asked if I was calling to make the {$2400.00} payment. I said XXXX no Im not calling to make a payment. She then argued with me about " watching my language '' and using profanity. Once I said I was now recording the call and she said she was hanging up. I asked for a Supervisor and she said none was available and she was hanging up. I then asked for XXXX XXXX and she disconnected the call. Suntrust is not doing their job nor making any legitimate attempt to resolve this. My credit has been negatively impacted and my level of frustration and annoyance with Suntrust is beyond exhaustive limits.

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 08-12-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen has reported me late on a couple of my mortgages on XXXX different occasions, yet I made every single payment. The problem stems from them changing the amounts due. I have my XXXX mortgages, a XXXX, and a full-time job to run, and as such I receive upwards of XXXX pieces of relevant mail every month, so reconciling each and every figure against my automated bill-pay amounts, will occasionally result in incorrect amounts. This is NOT the same as missing a payment. In all bad reporting situations, my payments were more than sufficient to cover the due interest and principal, but there was a shortage on the escrow payment. Escrow payments are projected estimates. When Ocwen overestimates the escrow, they send me a check at the end of the year, without interest. When I underpay my escrow, they report to the credit bureaus that I MISSED a payment altogether! How is this justified that they can overcharge escrow, but when I miss a fractional amount of an escrow payment, they can penalize me like I 'm completely irresponsible and destroy my credit?? I 've appealed to them but they respond with robotic zeal and refuse to accommodate me. Other banks send ebills to my bank so the payments adjust automatically ; and if you miss a payment with any other lender, they give you a courtesy call to make you aware of the change in payment amount. Not Ocwen, they have nothing but paper bills ( what century is this?? ), and if you 're XXXX cents below the amount, they just destroy your credit with not a warning whatsoever. Because of this company, my credit remains damaged to the point that I can not refinance, causing me to spiral out of control in my debt as the ARMs adjust. Ocwen will put me into bankruptcy because I was short a few dollars on my escrow payment! Please help me end this bludgeoning.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I recently was notified there was a " Fraud Alert '' placed on my file by Equifax. I am in the process of moving and have been denied utility service in my new apartment due to this alert. I did not request for a Fraud Alert to be placed on my file and demand it be removed immediately. I contacted the company several times about this issue and have been unable to resolve this. They requested I send in a request in writing with XXXX forms of ID. I complied with their request and the Alert remains.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Credit reporting () with WELLS FARGO & COMPANY (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: on XXXX/XXXX/16 Wells fargo dealer services received an application forwarded from open roads lending. This application was not completed by me and is a fraud. Wells Fargo ran my XXXX credit report, but failed to have proper authorization.

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 05/20/2015 about Credit card () with PAYPAL HOLDINGS INC. (NY).
Issue: Unsolicited issuance of credit card

Complaint: XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXXXXXXXX/XX/XXXXPayPal CreditXXXX XXXX XXXX, XXXX XXXX : My " Account # XXXXPROBLEM : XXXX : " US Regulator orders PayPal to pay XXXX in refunds, fines '' AN OBSERVATION : This is precisely why The Consumer Financial Protection Bureau ( CFPB ) was so desperately needed in the first place. 

ACTION REQUIRED : 1. Close Account Immediately ( never wanted ). 
2. Repair Credit Rate with XXXX, et. al. 
3. Go forth and sin no more. 

SUMMARY : Now I get it -- an " account '' I never wanted, but suddenly found myself in a XXXX computer-driven billing system that seemingly could not be stopped -- or even clarified. 

The original charge of {$38.00} ( paid by check # XXXX of XX/XX/2015 ) along with a request to cancel -- unacknowledged -- should have ended this farce. No, not a farce, an out and out scam. Predatory plain and simple. 

Be ashamed. You have brought dis '' credit '' and scandal to PayPal and true-credit to the CFPB. 

Rectify and indemnify immediately. 


XXXX XXXX XXXX XXXX : CFPB XXXX Consumer Protection Bureau XXXXState Consumer Protection Bureau XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (TN).
Issue: Problems when you are unable to pay

Complaint: I am writing to file a complaint against Prestige Financial Inc. for harassment and illegal collection practices. I have had the nightmare of dealing with this company, and it is time someone put a stop to their tactics. My account representative is XXXX XXXX, and he has, on numerous occasions, threatened me, belittled me, and insulted my character through emails, text messages, and telephone conversations. Yes, I have had difficulty making payments but it does not warrant being subjected to this type of treatment. He and the XXXX of Collections, XXXX XXXX, have harassed me day after day. I have emails and phone logs to substantiate this claim. They have called me a liar, questioned my ability to be a man, and told me that I am not a good person. This is totally uncalled for, and does not make for good business. My final straw, was today, my wife was at church for bible study, and my XXXX informed her that there was a message on the church answering machine for me. She listened to the message and it was XXXX XXXX, he stated, " This is XXXX and I am calling about one of your church members ( my name ) and his ( my vehicle make and model ) I have been trying to reach him so will you please ask him to return my call ''. I could not believe that he went to such great lengths to shame me, when he and XXXX had just spoke to my wife a week ago and she made a payment and informed them that she would be calling back the last Friday of the month to make another payment. They agreed that they would accept the payment and that she could call back the last Friday of the month with another payment. Since she spoke with them, they have contacted her on four times in 2 days saying " we are just checking to make sure that you are going to make good on your word and make a payment, call us back to set up a payment. '' Need I say, we have not made it to the last Friday of the month, and they have contacted my church ( which is not listed as a contact on my account ) and XXXX of my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (MD).
Issue: Deposits and withdrawals

Complaint: ( 1 ) What happened : On XXXX XXXX, 2016, M & T Bank honored a {$700.00} fraudulent " digital check '' against our joint checking account. On XXXX XXXX, I found this check in an online review of our account and immediately notified M & T Bank of their negligence. We were told that the withdrawal was made against a " digital check '' which the bank was permitted to honor although it contained no signature and no endorsing signature on the back. The check number was higher than any check we had had printed for this account. We did not authorize this check or provide our bank account and/or routing number to the payee- or to anyone else- in writing, by phone, fax, or online. We visited our local bank the next day, as instructed, where we filed an Affidavit of Forgery and where we were advised to freeze the affected account and open a new account- which we did. 

Freezing our account meant that Social Security checks, which were automatically deposited, would not be available to us until the SS Administration is able to reroute the checks XX/XX/XXXX. 

For many XXXX, all of this could have been an impossibly time-consuming process and a catastrophic financial situation, perhaps affecting access to funds for medications and other living necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Student loan (Federal student loan servicing) with Windham Professionals, Inc. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My students loans were in default and a garnishment order was issued to an employer I worked for sporadically, so at the time of the order, I was an as needed employee, and my employer sent communication stating that they would garnish as they were able based on my pay. Several months later, My loan is in rehabilitation, and no longer in the office of Windham Professionals, INC. 
XXXX XXXX XXXX XXXX, NH XXXX XXXX I receive a paycheck yesterday XXXX/XXXX/2016 and there is a garnishment included. My employer is unable to remove the garnishment because they have no order to stop the garnishment. I then contacted Wyndham, and was told that my account was removed from them, and they could no longer speak to me about it. I asked if they would please send an order to stop the garnishment and they again reiterated that they could not address anything regarding the account with me. They said the account changed hands almost 9 months ago, and it was no longer theirs. I reiterated that my employer will have to continue to send garnishment payments to them until they receive this order. I was then told to contact XXXX, but when I did that I was told they never had issued a garnishment order. 

Basically, Wyndham needs to revoke the garnishment because they no longer handle the account, but they are refusing to work with me. We have worked to bring the loan out of default, and it is no longer in a status which would allow for garnishment.

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 06/26/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was unemployed XX/XX/2012 and filed for deferment of my federal and private loans and completed all paperwork as requested. XXXX properly deferred my federal loans but did not apply the deferment to my private loan and did not inform me that the private loan was not deferred. Due to this they defaulted my private loan, despite me completed all of the required paperwork. I was never informed that this could not apply to my private loan.  This situation has caused me much financial hardship since and has been a very large burden to deal with, despite being employed now. I am demanding XXXX and or whatever collection company is involved, restore my private loan back to a current status, as well as restore my past credit history to reflect my loan not having entered a default status, being that it was due to the negligence of XXXX that my loan defaulted and not any fault of my own.  I have made multiple attempts to try and get this situation resolved; however, I have not received any correspondence addressed to me despite the fact that I have attempted to reach out multiple times to all parties involved and XXXX always being aware of my new address. I am requesting an immediate restoral of mine and my co-signer's credit to a positive credit reporting, as well as an opportunity to resume reasonable payments to my account as long as it is not made in a negative status. If this matter is not corrected in an appropriate and ethical manner, I have already seeked out an attorney and will proceed to pursue this matter legally.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent in a letter for validation with electronic return receipt and it was delivered on XXXX XXXX, 2016. It is now XXXX XXXX, 2016. I have not received a letter of validation. I called XXXX on XXXX XXXX, 2016 asking for the account to be removed since I did not receive validation and it 's been more than 30 days. Their response was that Diversified Consultants verified the account with XXXX on XXXX XXXX, 2016 but I still did not receive validation as I 've asked. Now I am requesting deletion but XXXX refuses saying that they will send validation in 7-10 business days. It 's been longer than the 30 day mark.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I made two payments XXXX XXXX and XXXX XXXX in amounts of XXXX usd each for a total of XXXX for XXXX XXXX mortage of XXXX. ditech shows my account as late and after receiving call from their rep on XXXX XXXX, agent winsdor stated he saw the two payments and he would fix it, monday XXXX XXXX when i called the rep stated nothing was done and she would take care of it. on XXXX XXXX as promised by ditech it would be fixed i spoke with Supervisor XXXX, stated it was not fixed since they are having problems and would not be able to fix it for 30days. in the meantime they are sending me late payment notices. 
when i make my XX/XX/XXXX payment even after XXXX 's promise that payment will be applied for XX/XX/XXXX, i know it would default for XX/XX/XXXX payment. ditech is ir-responsible in their duties and should fix this problem instead of sending me late notices and making calls for why the late payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: We had our mortgage sold by XXXX to Seterus, They never sent us any information about our mortgage, no statements amount owed or due dates. We called repeatedly and they would not give us any information. Finally we had an attorney call and he got us an address to start making payments to. We have no information on any charges or fees, until yesterday when we got a bill for over 8 thousand dollars due in four weeks. We called and finally a person talked to us and they told us to file for a modification, and maybe we could avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Citibank is engaging in deceptive business practices, allowing vendor 's, merchants to place reoccurring charges on the consumer credit card without the consumer knowledge or consent. 

Each time I had to reach out to Citibank for reoccurring charges the only remedies provided is the consumer having to closed out existing card and open a new card.
I had to change cards ( 4 ) times in the last year due to Citibank allowing vendors merchants to access and charge my account at will and without my consent.
Citibank is claiming that if the merchant claims membership or some sort of dues they have the right to submit authorization for reoccurring charges without any documentation or consumer signature authorizing said reoccurring transactions.
The consumer is under the impression that only authorization provided is for a one time charge neither the vendors, merchants or Citibank is disclosing reoccurring charges were set-up allowing unauthorized charges to be placed on the consumers account and Citibank making monies off the additional interest charged.

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 12-08-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have a XXXX XXXX checking account and brokerage account for more than one year, and no credit card account or loan at all. On XXXX XXXX, when I check my Equifax report, I see a hard pull by XXXX XXXX. I did n't do any account application at all. They pulled my report without my awareness!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (MS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have contacted Hunter Warfield on several occassions and requested that they validate this debt. I also do not have a contract with them. They refuse to do so. Hunter Warfield continues to report false information to the credit bureaus XXXX, XXXX, and XXXX illegally.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX loaned me {$43000.00}. This amount was to purchase a brand new XXXX XXXX XXXX XXXX XXXX price : {$35000.00}, plus {$7000.00} for the car that I traded in that i still owed another lender, for a total of roughly a {$43000.00} loan.
Shortly after recieving the car I recieved notice that my licence would be suspended if i did not pay off over {$20000.00} in city of XXXX parking tickets in full. I had no choice but to file bankruptcy.
The car was brand new and could not be included in the bk. So the automatic stay was lifted and i continued to pay for the vehical outside the bk.
Against court order XXXX XXXX  proceeded to collect payments inside and outside the bk, even after recieving calls and notices from me to correct this information and filing motions in court, XXXX XXXX continued recieving payments from myself and the bk trustee simultaneously resulting in an overpayment due to me. I recieved the overpayment check however the damage is done. XXXX XXXX not only repossesed my vehical on X/XX/17 when i was not in default, and after years of regularly accepting late lump sum payments, they have also reported to the 3 major credit reporting bureaus that i owe a sum of {$69000.00}, for the XXXX XXXX XXXX XXXX. The the vehical was only {$35000.00}, this malicious act resulted in a dramatic decrease in my credit score, lossed wages, job oppurtunities, a home loan, and educational loans for my child who is going away to college. XXXX XXXX has since changed the information to a lower incorrect amount, however my credit score dropped XXXX points as a result.
I have asked for validation of the prior repossession and current debt in writing but my requests are being ignored. Again I would like to request the validation of the debt at the time of repossession on X/XX/2017 and validation of the current debt that is being reported to my credit.

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 02-02-2016 about Mortgage (Home equity loan or line of credit) with UNITED SERVICES AUTOMOBILE ASSOCIATION (UT).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage home equity line of credit with USAA Federal Savings Bank and in XXXX the account was charged off. In XXXX, they gave me a XXXX for the charged off balance, which I filed with my taxes. They are still reporting the whole balance and it should have been XXXX once the XXXX was issued. It has affected all my financing since XXXX due to this fact.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Credit reporting agency did not delete  XXXX  charge off accounts after I was mailed a  XXXX  and disputed accounts. Accounts are written off and should not be reporting.

Company response to consumer: Closed with explanation