milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/17/2016 about Mortgage (Reverse mortgage) with Cohn, Goldberg & Deutsch, LLC (MD).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX Sheriff Dept delivered foreclosure proceeding for a lost note on XXXX/XXXX/XXXX. The law office handling the case also sent a notice to all tenants on XXXX/XXXX/XXXX pertaining to foreclosure actions which is another case. No resolution or settlement was met pertaining to actions to take place at any time after XXXX XXXX, XXXX pertaining to alleged lost note affidavit filed in Circuit Court as recorded on XXXX XXXX, XXXX. The reverse mortgage originated in the amount of {$300000.00} is a credit line that was not advanced and/or any portion thereof at any time between XXXX and XXXX as alleged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of fraud I put a fraud alert on. I called customer service they REFUSED to remove these hard inquires, I demanded they remove them for example XXXX was suppose to be deleted. XXXX XXXX does not have my social security most of these are wrong social security numbers linked to my account and or do not have permission I called them to remove all of these and they keep telling me to contact the companies. I'm a victim rock fraud inquires and most are invalid or wrong information tho it still linked to my credit file. I ask they remove all of these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Some of them don't even have my correct social like XXXX XXXX has the wrong social and XXXX  and XXXX XXXX do not have my permission I demand them to remove all inquires from my file or I'll go to court and sue for damages, They failed to remove alll inquires I have an active fraud alert and freeze pending I ask one final tim THESE are not factual records most are wrong information and wrong social security numbers so therefore that should not be held as FACTUAL. Remove them all from my file now I will not wait two years I did not authorize these

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Other debt) with PAYPAL HOLDINGS INC. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX 2017 I received a notice dated XXXX XXXX, 2017, from XXXX XXXX XXXX XXXX that a XXXX, XXXX account in my name had been placed with them for collection of {$510.00}. I do not have nor have I ever had a PayPal, Inc. account # XXXX. Per the instructions in the collection letter, I notified XXXX in a letter sent by certified mail on XXXX XXXX, 2017,  that I disputed the claim, that the PayPal account number was not mine and that I had no outstanding obligations to PayPal. After the letter disputing the claim was sent, I received at least four phone calls attempting to collect the disputed amount. XXXX never sent me the promised verfication of the debt or a copy of any judgment as they said they would if I disputed the debt. On XXXX XXXX, 2017, I received second debt collection letter dated XXXX XXXX, 2017, from XXXX XXXX for this PayPal bill that is not mine. The amount of the account balance has risen to {$1000.00}. I have again written to XXXX and disputed the validity of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As of X/X/2017 and according to Experian 's website, my personal information was likely put at-risk in the recent data breach making me and my family, like nearly half of America, potential targets for fraud and identity theft. 

One direct cause of this breach was Experian 's decision not to properly secure their website and online data storage facilities. It is beyond maddening that in a world where my car has to meet certain inspection standards in order for me to lawfully operate it - Experian apparently does n't maintain similar standards - despite posessing almost all of my consumer and credit data.

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 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I HAVE A WALMARKT CREDIT CARD I RECENTLY HAVE GONE THRUOUGH FINIACIAL HARDSHIP AND HAVE MISSED A FEW PAYMENTS. IT WAS CLOSED ON XX/XX/2014 XX/XX/2014

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 04-12-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i was notified by my credit monitoring service that there was a new collection on my credit report. I reviewed my credit report and found that it contained a collection from Commonwealth Financial. At this point, i had not received any phone calls or letters by US mail. I looked up the company on the internet to obtain there phone number. I contacted the company and spoke with a representative and was informed that I owed a hospital bill from XX/XX/XXXX from XXXX hospital. I asked them why I had not received anything in writing about this and they said they would send me a validation letter. I then filed a letter with Commonwealth Financial stating that they needed to send me validation of the debt from the original creditor showing the itemized bill. this was on XX/XX/XXXX. I have since been harassed by them by phone and have requested that all collections be stopped against me due to the dispute. They have failed to report to XXXX, XXXX and XXXX that this debt is being disputed by me. I have also emailed them a letter from the original creditor, XXXX hospital, stating that i have a XXXX balance with them. I have on numerous occasions tried to contact them on the status of this dispute and have got the run a round about it. I have requested that they remove all information from the credit bureaus while this is being investigated and they refuse to do so. they told me they have 30 days to validate the debt but have failed to do so as of yet. This company is clearly violating FCRA laws by not informing the XXXX credit bureaus that this account is in dispute. XXXX XXXX with Commonwealth Financial will not respond to my phone calls. He is the person that is supposedly handling my account with them. i would like this removed from my credit report immediately or legal action against this company will be taken on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I would like an explanation regarding my mortgage escrow account. I requested, by fax on XXXX/XXXX/XXXX, a copy of my escrow analysis. I called on XXXX/XXXX/XXXX to inquire about the status of my request and I was told that nothing was in my account regarding a request for an escrow analysis. I also learned that there is a shortage in my account. Attached is my XXXX from XXXX. How can I have a shortage in my account if I had a balance as of XXXX/XXXX/XXXX. Where is the excess amount applied and how is the shortage incurred? I am now questioning all the shortages I have paid in the past and whether I should receive interest.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Trouble during payment process

Complaint: My mortgage is with Ocwen. My loan to value ratio is ~77 %  based on the original sale price 3 years ago. When I contacted Ocwen to have them remove the PMI on my loan I was originally told my loan had not crossed the 80 % loan to value threshold. I explained that their numbers were incorrect and that the original loan documentation proves it. They rechecked the numbers and agreed that I was at ~77 % loan to value. When I requested they remove the PMI charges, they said I would have to pay them to have an appraisal done in order to remove this. I offered to provide alternate valuations ( State tax appraisals ) that show my house has appreciated in value, but they said they can not accept anything other than an appraisal through their vendor. This is a clear case of extortion. I have met the requirements to remove PMI based on the original loan terms and have offered to provide current, alternate documentation to the value of my home, but they will not accept anything other than a vendor of theirs being paid for an appraisal. When I asked them when they would automatically remove the PMI charges, they said they would not remove them unless I paid them the fee to have the appraisal done. I feel like this in not only an extreme anti-consumer practice, but a clear case of extortion since my only options are pay them the appraisal fee or pay the PMI forever.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I had student loans through XXXX XXXX since XXXX. 
My loans eventually transferred to the company Navient. 
I was experiencing financial hardship in XXXX and was told I could put my loans on hold for 3 months by Navient, however I was charged over {$1100.00} in interest over that 3 month period. 
XXXX This document of the capitalized interest is in an uploaded document attached ) I have XXXX different private loans through Navient. On XXXX of my loans the interest rate is 10 % which is making it impossible to pay off my loans, I 've mostly been paying interest for the 10 years I 've been out of college. 
copy from my Navient account on XXXX of my private loans. 

Unpaid Principal {$15000.00} XXXX XXXX {$15000.00} XXXX XXXX 10.250 % Interest rates on private loans are set by the lender. 

After calling Navient numerous times to lower my interest rates I would be put on hold for XXXX minute and then told there is nothing they can do This has happened multiple times. 

I have over {$65000.00} in student loan debt and with my high interest rates that wo n't be adjusted and the deception by this company, it has been so hard to pay my loans off. 

I am looking to refinance with XXXX to have a better interest rate, but have been so unhappy with the service of Navient. After reading the lawsuits again them and other borrower 's stories I realize I am not the only XXXX suffering from student debt. I pay over {$500.00} a month and I feel I am not even making a dent in my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Delinquent account

Complaint: On XXXX/XXXX/16 I spoke with a representative at Capital One resolutions department that offered me a settlement on a very old charge off account from many many years ago. XXXX representative assured me that if I paid the {$840.00} settlement offer, then the balance would be considered settled in full and would be updated with the XXXX credit bureaus to a {$0.00} balance. I made the settlement payment on XXXX/XXXX/16. This week my account was updated with the credit bureaus to a {$280.00} balance. This is not correct. This needs to be updated to a {$0.00} balance as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My complaint is with Green Tree. They are forcing an escrow on my loan after I was late with my property tax payment in XX/XX/XXXX. They say they sent me a letter requesting proof I paid the taxes. I never received any such letter last year. In XXXX, they paid my property taxes without asking and then sent me the bill in XX/XX/XXXX. I talked with their customer service and they asked me to send a request to remove the escrow. Then, XXXX XXXX who does their escrow 's for them made a request from our property tax, municipal utility and levy improvement district to return the taxes, saying they were paid in error. I have re-sent the same documentation to them XXXX times ( I have the fax receipts in my computer ) to rid myself of this unwanted escrow. I have called customer service again and again and for the most part they are helpful but have always asked me to send the documentation again to the same fax number as they " have n't received my documentation ''. Finally, in early XXXX ( the XXXX ), after I noted the escrow still had not been removed, I determined I had had enough of this. Back in XXXX when this started, I tried to just pay my regular payment, I was hounded by them to pay the remainder or they would report me as late, etc ... So, I sent them a message on their site in XXXX telling them they had XXXX days to get the escrow removed or I would seek assistance from the CFPB and the State of Texas. I reminded them of the $ XXXX judgment against them earlier this year and impressed upon them that I would be happy to be part of another judgment against them if they did not comply. I received a letter from them on XXXX saying they would contact me within XXXX days of the date of my email. They have until next Monday.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: TransUnion is stating the courts are Reporting a Bankruptcy Docket # XXXX which i disputed and they stated it was verified ... I called the courts which advised me the courts does n't verify this information.. TransUnion pulled this information from a third-party agency, as per courts Does not Verify Therefore this Must Be Removed from my credit file which is damaging to my true credit file. 

And I would appreciate it once its deleted I want proof that it 's been deleted. Please send me an email to 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 12-09-2016 about Debt collection (Medical) with Capital Servicing Group (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Paid collection agency, Capital Servicing Group LLC, who claimed debt was sold to them. Prior collection agency, XXXX, claims they still currently hold debt and debt was not sold. I paid Capital Servicing Group after being hounded by a representative for months and unsuccessfully attempting to have my insurance pay the bill. Ability Recovery says I still owe the debt. I have the transaction in my bank account for where I paid Capital Servicing Group. I do n't know what else to do-I can not pay another {$350.00} and I believe there is a chance Capital Servicing stole my information to collect debt I did not owe them.

Company response to consumer: Untimely response
Consumer complaint received 03/24/2015 about Debt collection (Medical) with Accounts Receivable Services (MN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Reliance Recoveries ( XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX ) has attempted to collect on debt that I do no own. I provided proof that I paid it. They ignored the paperwork. I then requested that they verify the debt. They failed to provide anything. They have told me over the phone that they have ceased collection. However, they will not provide written notice.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (OH).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 )  and the clients right to counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Pressler & Pressler representing XXXX XXXX swept all my funds from my bank account, then threatened me that if I fail to sign the agreement of debt repayment or upon signing I would fail making repayments, a lien will be placed on my payroll and my salary will be garnished. 

This is so shocking to me because I knew that only government and its agencies can put a lien on your account for nonpayment of child support, alimony, school loans ; and IRS for owing taxes but financial institutions such as credit cards who 's funds are insured by the FDIC - that 's completely new to me! 

I had no idea that I was being sued by Pressler & Pressler representing XXXX XXXX since due to an illegal eviction I am no longer at XXXX XXXX XXXX for over a month and I do n't have a new mailbox address as of yet. 

So, I called Pressler & Pressler and after my conversation with Pressler 's representative and making payment arrangements, they still refused to release my frozen funds back to me. I had {$1800.00} in the account, which represented my Federal and State Income Tax Refunds that I just received as EFT to my account that week! 

After crying on the phone pleading with them to release my funds and informing him that since they took all my money from my account at XXXX XXXX XXXX I have only {$2.00} in my pocket thereby left without any funds to purchase groceries for the next XXXX weeks, the representative made a promise to release {$300.00}. THE MONEY WAS NEVER RELEASED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EARLY WARNING SERVICES, LLC (NY).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I spoke with an individual named XXXX at Early Warning Services today, in response to getting declined for a bank account with XXXX XXXX XXXX XXXX She was not helpful, rude, and seemed to experience schadenfreude when I informed her that EWS was the apparent cause of the aforementioned decline. When I told her that I had already requested my consumer report, and requested that they send it to me by email ; asking how long it would take to get to me, she said " We have the right to take fifteen days, to verify the report, and then email it to you. '' I believe she is one of those reprehensible individuals who just uses the word " verify '' to sound official, without in fact knowing what it means. She used " apologize '' in a similar way. <P/>Regardless, I have never had a problem with any bank, I have no issue on XXXX and yet, there appears to be what I can only assume is an error on EWS. Moreover, their customer service department is nothing short of recalcitrant. <P/>To wit, when I asked her name, she asked, " why do you want to know my name? '' to which I responded, " I must know whom I am speaking to, '' to which she responded, " I stated at the beginning of the call my name is XXXX. '' That sequence of sentences only makes sense if someone is going out of their way to be difficult. <P/>Please do something about EWS. If they are going to hold up people 's lives, and experience schadenfreude about it, they should at least provide one 's consumer report immediately online.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a loan modification under HAMP. IndyMac was servicing the loan and transferred it to Ocwen two - three years ago. Under the terms of my loan, my interest rate goes up one percentage point every year until it maxes out at 5 % for the rest of the life of my loan. My interest rate started at 2 % for the first five years of my loan. When the interest rate went to 3 % in 2015, Ocwen, not only increased my payment to cover the interest rate increase, they reamortized my loan and took an additional {$150.00}. - to {$200.00}. per month of my principal reduction amount and applied it to the interest. They did the same thing when my interest went to 4 %. They are RESETTING my loan, CHANGING THE TERMS and VIOLATING TRUTH IN LENDING LAWS. Every time the interest rate changes, per the terms of my HAMP modification, Ocwen increases my payment to cove the interest rate increase. This is spelled out in my documents. HOWEVER, there is no DISCLOSURE that my loan amortization will be reset ( my principal reduction amount is reduced by {$200.00}. per month ) and that they will take an additional few hundred dollars of the principal and charge it off as additional interest on my loan. 
They are violating the terms of my HAMP modification, there is no disclosure, they are double-dipping on the interest by stealing from my monthly principal reduction amount and I should be entitled to damages. I have called them numerous times and they continue to tell me my payments are applied correctly and sent me a copy of my HAMP documents ( which I already have ). 

If they are doing this on my loan, they are doing it on thousands of loans. I need consumer protections because I believe they are in serious violation of disclosure laws and have changed the terms of my HAMP modification.

Company response to consumer: Closed with explanation