milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2016 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (TX).
Issue: Loan modification,collection,foreclosure

Complaint: After very a very lengthy Loan Modification with Flagstar Bank, I have came out worse than when I started. 
During the loan modification, per regulations, Flagstar hired an independent company to check the vacancy status of my home. I was/am currently living in my home ; however, Flagstar stated that it was reported vacant. Not only did they report it vacant, but they again hired an outside vendor to come to my house and change the locks. My neighbor called and stated somebody is in your home. I called the police and did make a report of the situation. Upon returning home, my home locks had been changed, my home was " winterized '', my back door was boarded up and damaged, and all my things had been rummaged through. Flagstar simply said that my house was reported vacant. ON SEVERAL OCCASIONS I told them I LIVE in the home. My loan requires me to live there or I can not re-finance. If it was vacant I would not have been able to complete a modification. Even more, Flagstar made a claim with my insurance company stating wind damage had damaged the roof. This claim was denied by my company due to meeting the deductable. 
For an entire 3 months I had my yard mowed, several signs hung on my door, and the final straw was having BLACK TAR placed on my roof. At this point I hired a lawyer and we are currently preparing a lawsuit. 

My modification was completed ; however, my payments were increased due to taxes and a shortage of Escrow. Not only this, Flagstar now has added a what they call " Total Advances '' fee to my mortgage totaling {$4900.00}. When I inquired about this, they stated this was the cost of refinancing and does not have to be paid immediately. They stated that the total amount would stay on my statement until I sold the home or paid the amount due. It clearly states in my modification packet that all fees and dues have been included in the modification by Flagstar. Why is there a {$4900.00} fee and why is my mortgage going up due to a shortage of Escrow. This was included in my modification. 

Since modification was complete, I have followed through with the claims from my insurance company to obtain a new roof due to the amount of damage FLAGSTAR sub contractors caused. I simply had my insurance company come back out and re-assess the damage. A claim was approved this time. In turn, this has increased my insurance and respectively increased my mortgage. 

The worst part about this whole process was trying to speak with Flagstar to avoid these issues. Each time I called I was transferred to Loss Mitigation, Claims, Insurance, and Default Services. None of them could tell me why preservation crews were coming to my house. They even advised they would put notes into the system to advise the preservation department to stop coming. Of course, this did n't stop them.

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 06-10-2015 about Credit card () with PAYPAL HOLDINGS INC. (FL).
Issue: Customer service / Customer relations

Complaint: Paypal Credit, aka XXXX, did an inquiry on my credit report XXXX XXXX 2015. I never applied for credit with them. I saw this inquiry on my report so 6 weeks ago I contacted them and asked them to pull it, submitting certain documentation that they required. They have done nothing! Further I contacted XXXX ( case # indicated above ) and they pass the buck to Paypal saying they can do nothing about it. 
As inquiries on my credit report can hurt my score, I do n't appreciate PayPal or any other company making inquiries on me when I have not applied or currently maintain credit with them. Further I do n't appreciate XXXX in effect being a co-consipirator in this by passing the buck back to PayPal. 
I have go online and learned many other Americans have had inquiries on their credit reports as well from PayPal. A cease and desist order needs to be issued to PayPal and XXXX needs to be advised they can not take illicit inquiries. 

XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: I had a car loan with XXXX XXXX XXXX that was taken out in 2008. I first was late and it was reported in XXXX 2008. Someone, either the reporting agency or the lender changed the status of all latenesses as ND or No Data. This seems unfair. I am trying to remove this item from my report because the date of the first reported lateness was in 2008. It has been more than 7 years. This at least should be removed from the negative area of my accounts on credit report. This includes all three reporting agencies. But because they have all changed the status to No Data, instead of Late I am unable to properly dispute. This seems both unfair and manipulative.

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 04-10-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Company ( s ) : Best Buy Credit Card through Citibank.

I opened up a credit line with Best Buy/Citibank 2 years ago in XX/XX/XXXX. I purchased a tv with this credit line and was told I would not pay any interest for 2 years, however, I was not informed that interest would come back after the 2 years. I had explicitly asked the employee who assisted me with the opening of this credit line if any changes would occur after the 2 years end, and I was assured this would turn into a regular credit card with interest. I was lead to believe this credit card would be like a normal credit card with interest, but not that the interest from the initial purchase would accumulate over time and that if i did not pay the full amount within the 2 years that interest would come back. I would have not opened this credit line if this were the case.

Last month, XX/XX/XXXX, I had a balance of {$500.00}. Now this month, XX/XX/XXXX, I receive a statement with a balance of {$1200.00}. There was an interest charge of {$710.00}. This is insane. I was under the impression that the interest charge after the 2 years would be for the remaining balance, which is {$500.00}. I was okay with this, not the ridiculous accumulated interest charge fee of {$710.00}.

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 11/24/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I wrote this agency XX/XX/XXXX with complaints against Ocwen Loan Servicing. They responded at that time with assistance. Since that time their costumer service toward me and my family has decreased significantly. Today XX/XX/XXXX I checked my credit report and found my credit score has decreased XXXX points in the ast month due to reporting of Ocwen. At this time I am requesting they cease faulty reporting of payments. I contacted them XX/XX/XXXX to request a change in the payment date of the loan but they refused. Ocwen has continued to provide poor servicing of this loan since they received in in the bankruptcy of GMAC. It is unfair to have your credit screwed up by these incompetent individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Last year after the whole XXXX data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ProCollect, Inc (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I called XXXX to dispute all the information on my name. I was told they can not dispute those because I was not affected. I have spoken with XXXX and i was told that I will not be charged with nothing on my name. Well that was a lie. I spoke with XXXX XXXX and they said that I will not charged because I returned all my rented items back to them. I did not keep them. Never heard any thing else from them. When I went to the hospital I had XXXX. I was insuranced. So I was not aware that I woyld have a balance. XXXX never walked with me to inspect the apartment I lived in together. The lady had went into the apartment without me. When I called her to tell her I will be there after class she had already went into the office and locked the office around XXXX. Well, that is not what time they close up. They never sent me a final bill to my new address. I received a bill from a bill collector and I dispute. I have never heard anything from the dispute. So company policies were not keep.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Bank account or service (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Problems caused by my funds being low

Complaint: I was signed up for email and text alerts for various account situations. I was getting them just fine. Then they stopped delivering any over draft alerts. This has resulted in many over draft fees and their research department has yet to be able to determine why they stopped. They refuse to refund my fees even as they conduct the research and are admitting that the account functions they advertise do not work correctly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My credit was ran with someones elses social. with my demographics. they have access to my report. the company attempting to collect money from me sent the proof of the application and the credit report from transunion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a checking/savings account with XXXX XXXX XXXX. I overdrafted my checking account and was going to pay little by little in order to pay it back with the overdraft fee, typically a bank gives you 30 days to pay it back without charging another overdraft fee. I paid the bank {$1500.00} but they still sent the report and put it on my credit report as closed with a delinquency of {$2600.00}. My credit score went from XXXX to XXXX due to this, and the bank did not contact me at all. This is horrible and I need to fix it immediately.

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 07/23/2016 about Mortgage (FHA mortgage) with HOMESTAR FINANCIAL CORPORATION (GA).
Issue: Credit decision / Underwriting

Complaint: Homestar drop the ball on my loan from day1. Lack of communication. I was pre approved for {$120000.00}. I made an offer to a HUD {$100.00} down house. Hud accepted my offer of {$92000.00}. I supplied ALL documents to my loan officer via email and fax in less than a week. 
After a month of waiting, they finally ordered appraisal. What originally cost {$450.00}, but they charged me {$550.00}. Because they had to put a rush on it. The property management made me turn on all the utilities on in 2 days!! I got total of XXXX disclosures, all because they had mistakes with the loan amount and down payment. I called my loan officer multiple of times, no answer. In one occasion, he text me back at XXXX, stating that he will call me back during business hours. But turn around and respond to my email at XXXX!! After 6 weeks of waiting, he emailed me stating the underwriter approved my loan! A week later, I got email from the loan processor for additional documents. I sent all requested documents the same day. Then they started to ask for same documents over and over again. I emailed and faxed the documents. I was so tired of them not receiving my documents. I got off from work early, and hand deliveried all the documents to the branch office. My realtor had to get 15 day extension on the contract, because the underwiter still working on my loan. After a week later, they finally sent me the closing disclosure with the closing date of XXXX/XXXX/16. I signed it and emailed my loan officer asking them what time is closing that same day. No response. When the closing day came, I still took the day off from work. Praying someone will call me. No phone call. The next day, my realtor called me and told me the underwriter wo n't close on my loan, because the appraisal report has pictures of missing outlets. So they want hud to fix it, but Hud is refusing to make the repairs. I was so upset. She then said to get a invoice from a repairman for the cost to fix it, then we can close the next day. I called my friend whom does home repairs, showed him the appraisal report ( which by the way, I finally got from the loan processor that day via email ) all this time I never got the appraisal report that I paid for a month ago. I emailed the underwriter the repair invoice, agreeing to make the repairs once we close. No response. Now my extension on the contract expiring in 4days! XXXX/XXXX/16. No calls. No emails. Nothing from homestar. How can homestar send me the closing discloser with closing date, but now have a problem with outlets in the house???? They made what suppose to be one of the greatest moment of my life, XXXX. I 'm about to lose my dream home, because I choose to apply with homestar.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (NY).
Issue: Trouble during payment process

Complaint: My Mortg age Loan is serviced by Selene Finance. I am trying to pay it off, borrowing money from friends and family. Selene Finance sent me a Pay Off Figure ( {$470000.00} ) valid up to   XXXX   XXXX . But I could not arrange the full pay off at that time and paid almost 50 %  ( {$220000.00} ) of t hat figure.   Now I am trying to arrange the balance amount again from friends and relatives and requested a new Pay Off. They gave me a new Pay O ff ( {$270000.00} ) valid  up to  XXXX   XXXX . This Pay Off figure is wrong an d Selene Finance is ove rcharging me by {$8800.00}, as shown in the attached calculation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Online system for Experian gives this as a response upon requesting my report : " A condition exists that prevents Experian from being able to accept your request at this time. '' Happened today, and XXXX months ago as well when I tried to get the same report.

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 08-04-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Opened a new account ( Checking/Savings ) consumer with Bank of America based on a promotion that stated we were eligible for a {$300.00} Promotion when using ACH. Other terms applied. We called a BOA center. The account was opened " online '' via the call. We then proceeded to a branch to validate our identity ( we, being Husband/Wife ). I have now called on numerous occasions and have visited the branch twice. We have not received the promotion. We have been told it is due to a missing targeted code on the account. However, when we opened the account this was not discussed and we were assured we would be receiving the bonus offer. The offer is available on their website here : XXXX XXXX XXXXXXXX We have also noticed that there is now another offer here : 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 monetary relief
Consumer complaint received 01-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Bureau Collection Services, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a phone call on XX/XX/XXXX from an agent from cbcs trying to get me to validate a debt that is being held in their office..I answered the call because I have asked the collection agency not to call me any further because I pay this debt directly to XXXX and I have been since XX/XX/XXXX, cbcs has not adhered to my request ... They have gone to the extent to call me from local numbers which I answer because of the area codes ... I am asking that cbcs to not contact me any further and to release this collection back to XXXX..The payments are made directly to XXXX under my account number which was generated by XXXX ... I do n't owe cbcs and they are continuing to harass me on a daily basis..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have contacted and tried to resolve the issue with Portfolio Recovery Associates in the matter of credit card and other misc debt that has been opened under my name and information. This company states that they have sent mail in regards to this issue however I have yet to receive a thing. I tried contacting them directly via email to see if they can send the paperwork, however I am not getting any responses after their initial 'We need to make sure this email is secure ' email they sent where they had me reply back an 'I Agree ' to continue communications. Well this was sent on Wednesday and I have yet to hear back. I have sent an email to them on Friday stating " I need to know if youll be responding to my emails. Ive already sent an I AGREE response and havent heard a thing back. I can always open up a complain again but I decided to give you a try by contacting you directly. '' I need to dispute ALL charges that are tied with my social security number including but not limited to ( accounts ) : XXXX XXXX : {$990.00} XXXX XXXX : {$620.00} XXXX : {$340.00} XXXX XXXX : {$220.00} Total : {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been fighting for months for Nationstar to remove the PMI portion of my loan. At time of purchase we were notified that as long as I was XXXX % or higher on loan to value this would be removed. I began asking questions in XX/XX/XXXX and was sent in a constant loop until I got nasty. I asked and received an appraisal which shows my loan to value is XXXX % just received a letter stating that the range " could '' be XXXX-XXXX % LTV and denied my request. My house has the required LTV, I have excellent credit and never missed a payment ... .Shame on you Nationstar. I was so excited to read about your organization please help they have been trying to string me along since XX/XX/XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I wrote to Experian informing them that a Tax lien that they are showing on my credit report in the amount of {$18000.00} was an error and that it should not be showing on my credit report. They ignored my request. I wrote them more than XXXX. I went to apply for employment with XXXX and received a letter stating that Experian recently issued, for employment purposes, a consumer credit report about me to XXXX/Employment. It states the credit report contained the following public record information : Court/Plaintiff : XXXX XXXX XXXX XXXX Tax Lien XX/XX/XXXX in the amount of {$18000.00}. Attached you will see the Release of the Federal Tax Lien dated XX/XX/XXXX showing I did n't owe the Tax Lien Received from the Department of the Treasury Internal Revenue Service showing that the amount owed is None. ( See attached documentation ). I wrote to Experian prior to applying for employment and informed them that this was an error and they flat out ignored my request and documentation. I 'm including the documentation via fax to the XXXX XXXX XXXX XXXX which is the number giving by your chat representative.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief