milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Checked credit report through XXXX and discovered the following message : " AMS SERVICING , LLC has flagged your account as Not more than XXXX payments past due ( XXXX ). '' I refinanced my mortgage with XXXX during XXXX 2015. There have been multiple changes and I am currently paying Seneca Mortgage. I have never paid late and always pay more than is due every month ( {$2000.00} ). All payments are made electronically - XXXX : Paid {$2300.00} ( Credit Union Tracking # XXXX ) XX/XX/XXXX15 : Paid {$2200.00} ( Credit Union Tracking # XXXX ) ; XXXX15 : Paid {$2200.00} ( Credit Union Tracking # XXXX ). Attached is payment history since I first was notified to send my payments to Seneca Mortgage ( XXXX15 ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred to SLS  ( Specialize Loan Services ) in  Colorado, from  XXXX   XXXX . Since then there have been nothing but PROBLEMS! First, the claim my home was in BANKRUPTCY and I need to reaffirm the loan ... 100 % FALSE! Second, they claim I have a 40 year mortga ge, FALSE! I have  a 30 year fix that expires in  XXXX  ... third, I can not make payment online like I have for the past 15 years ...  .they ma ke me use  XXXX   XXXX  and my payment is not credited to my account for 15 days AFTER I MAKE THE PAYMENT!!!!! fourth, every month, there is some sort of online computer problem and I cant long on to my account ... .and I spend DAYS trying to get a hold of someone in customer service!!!!!!!!!!! I keep getting the RUNAROUND and NOTHING HAS been resolved!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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 09/15/2017 about Debt collection (Other debt) with Navient Solutions, LLC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: The debt was included in bankruptcy case # XXXX. 
Contacted original creditor about debt and it was settled however a new collection agency is now reporting the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (IN).
Issue: Trouble during payment process

Complaint: Account was escrowed for insurance when I had my own, with no lapse in coverage. I am told by customer support they will credit my account but have not since XXXX of this year. I have stopped paying my escrow and am now late on my payments according to their records. I have spent at least XXXX on the phone with customer service trying to get this resolved. I am told each time it takes up to XXXX days to take care of the problem and they assure me it will be. Still no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Closing/Cancelling account

Complaint: Closed Account with XXXX XXXX acct # XXXX on XXXX/XXXX/07

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Someone stole my drivers license. Changed the name of all my former employers. My social security card was stolen with the spelling of my name as XXXX XXXX XXXX. I 've once used the spelling of my name on my birth certificate. XXXX XXXX XXXX. I was once married to XXXX. XXXX XXXX XXXX XXXX XXXX oldest son is XXXX. XXXX XXXX XXXX XXXX His date of birth is XX/XX/XXXX. I began using my maiden name when I learned I was a victim of identity theft. My maiden name is XXXX. The FBI told me it was an inside job, when I went to them. IRS told me something similar & told me it 's my family members. A tax return was filed by them in XX/XX/XXXX. This is the year I was laid off from XXXX XXXX XXXX XXXX. The company also have access to my social security number. Social security wrote a query for me with all of the EIN numbers of my former employers from XX/XX/XXXX - XX/XX/XXXX. XXXX XXXX XXXX XXXX  amended & restated all of my tax returns from XX/XX/XXXX - XX/XX/XXXX and made themselves my conservator. In XX/XX/XXXX the company used my stock to sell my home at XXXX XXXX XXXX XXXX TN XXXX. In XX/XX/XXXX The XXXX Family refinanced my home using my XXXX XXXX son power of attorney. The United States Attorney General informed me of this. Fraud interest statements have been reported to IRS. The FBI also told me to pull all of my tax returns.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Account opening, closing, or management

Complaint: In the past few weeks, I have been in a dispute with my bank about not being given a provisional credit for an unauthorized debit transaction by my cable company. In my complaint, representatives were uncooperative and would not issue a provisional credit during the investigation as they had done previously with my disputes. Plus, I had complained about the number and frequency at which I had been charged overdraft fees. After all of this trouble I told my bank I will be closing my checking account at the end of the month. I spoke with several representatives and filed a complaint through the banking system. Still to no avail, the response I received from my complaint was how to file a dispute. I responded to them by stating I was not seeking help, I was only trying to file a complaint on the issues I was experiencing. Then last week I received XXXX checks in the mail to participate as a XXXX. I deposited the checks into my account and the checks were placed on hold until XXXX/XXXX/2015. I had not withdrawn any funds from those checks and was following bank policy by waiting until the checks cleared according to the date given. Today, I tried to log into my account and could not. Then I called the bank and was told they had closed my account due to the checks I deposited were fraudulant. I told the representative, I had no idea and I surely did not know that. I told her that I did not try to withdraw funds ahead of time from the account and followed protocol when it comes to receiving checks that you are not sure of. I was told by the representative I have no recourse and my account would remain closed. I asked what is supposed to happen to my XXXX check that is to be deposited in XXXX days, she stated the bank would issue me a check. I know the bank has taken this opportunity to close my account before I can close it myself thereby holding this against me. If it goes on record that I committed fraud with my bank, this could cause me to have problems getting other accounts. It 's already causing me major inconvienences by closing the account at this time. They know I have direct deposit and automatic drafts set up for bill paying and how much of a hardship this would cause. If I had tried to get any of that money from the account before it was released by the bank, I would have understood why they closed the account. According to their policy, proper procedure would be to reverse the deposit and mail the insufficient checks back to me or I would have been contacted by phone. After finding out these checks are fraudulant, I will be filing a complaint against this XXXX company that sent the checks to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/29/2017 about Debt collection (I do not know) with AFNI INC. (AR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company has been constantly calling my home for the last XXXX yrs all through out the day. The will call everyday before XXXX, in the afternoon and after XXXX. The keep asking for someone that 's not me. I have responded numerous of times, letting them know that I 'm not that person and that person do n't live at my address and this is my phone number. 
I do n't answer anymore because of the rudeness that I 've received from them on previous phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Auto debt) with Prizm Financial Company, LLC (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: On  XXXX   XXXX ,  XXXX  I sent my first complaint advising of the multiple phone calls, emails and threats fro m Prizm Financial. T oday,  XXXX   XXXX ,  XXXX  I received a second threat for the week of repossession. My account is currentl y 24days past  due for half of the full payment. As I have advised in the past and have always kept my word that my account will not reach the point of repo rting ( 30dys ). I do n't feel the constant phone calls and threats on an account that has not reached 30dys is warranted. This account at 24 days past due should not be in danger of repossession and acc ording to the attached emails that is what will take place this evening if not paid by  XXXX  according to  XXXX   XXXX . I have this account since  XXXX   XXXX  and this account has not been reported  as 30 or m ore days and to receive threats of repossession is unethical and in my opinion illegal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/20/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: PAYPAL CREDIT IS ALWAYS CALLING AND HARRASING ME AND MY FAMILY.

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 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: For the last month I have been trying desperately to get this company to correct my credit report. The file they have on me is ridden with faulty information and I have written to them to no avail. My last letter to them yielded no movement or corrections even though none of the data providers seem to have been contacted by the bureaus when Ive called these data furnishers to verify contact.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Signed up for an income driven repayment plan but was not told that I had to pay my late fees first before I could start the plan. I asked numerous times if my payment would be the agreed upon amount and was assured everytime it would be. When the bill came due, it was {$80.00} higher because of the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Mortgage (Conventional fixed mortgage) with Finance of America Mortgage LLC (VA).
Issue: Application, originator, mortgage broker

Complaint: XXXX company did not process the refinancing for XXXX mortgages in compliance with the Truth and Lending Act. As a results, I lost the opportunity to save thousands of dollars in savings. I also paid for {$900.00} for the appraisal fees that were not used. 
On XX/XX/2016, I applied with XXXX to refinance my personal residence and a rental property. After I submitted all the required documentation, the lender approved my application and promised to close within 60 days. The lender provided the disclosure documents on XX/XX/XXXX and the locked in interest rate agreements at interest rate of 2.875 % with XXXX discount ( {$2600.00} credit ) point for the principal residence and 3.375 % ( no discount points ) for the rental property. During next months, despite many phone calls, messages and emails, the lender did not do anything to reach the closing of the XXXX refinances. On XX/XX/XXXX, the lender called me and asked to renegotiate the interest terms since the initial lock-in agreements were expired. He offered new rates and I requested to lock-in 2.75 % ( no points ) for the residence and 3.375 % ( no points ) for the rental property. These new rates were significantly higher making the loans a lot more costlier. On this occasion the lender did not provide the disclosure forms, good faith estimates, and the lock-in agreements. Few days later I contacted the Lender to obtain the status and the lender responded that lock-in agreements. He mentioned having problems with this commitment desk. He also said that the interest rate are a lot higher. 

I believe that the Lender intentionally delayed processing the loan in order to let the lock-in agreement to expire and then offered hire interest rates that were not beneficial for consumer. The loans applications were not rejected I conclusion, I feel that the lender was negligent and discriminated against me when processing the loans applications and as a result I lost the opportunity to save ten thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I take issue with the terms and conditions included as part of Equifax 's recent disclosure to consumers their personal information was compromised/hacked - consumers merely by checking with Equifax on Equifax 's website to see if they are affected are forced to agree to not join class action lawsuits or otherwise take legal action against Equifax. 

Further, the data compromise was in XX/XX/XXXX and the information was just disclosed to consumers. When going to www.equifaxsecurity2017.com and entering my name and social security number I am simply told to come back to the website in a week 's time. 

This is unacceptable - there needs to be stronger regulation in data security for credit reporting agencies and better consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: From XX/XX/XXXX I had to take forbearance on my loans from medical school serviced by Navient and XXXX XXXX because every time I attempted to determine my income based repayment amount it was several thousands of dollars despite that I made a resident physician salary. The calculator was confusing and I even reached out to my XXXX school financial counselor for help who was similarly perplexed, noting that it should have given a much lower repayment amount, even XXXX dollars, based on my income. I thus accrued much more interest by needing to enter forbearance. I have since re consolidated my loans, but I read about the claims against Navient and wonder if this is why I was never able to enter IBR.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2016 30 days past due as of XXXX 2016, XXXX 2016, XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been going back and forth with Equifax since 2016 reference an account that does not belong to me. I have provide all letters notorized and FTC report and police report and they still refuse to delete these accounts from my credit report. I also provided this to the creditors and it was removed from the other bureaus but Equifax keeps stating that it was verified. There 's no way that is possible. They have betrayed us citizens by allowing people to have access to our information and then tried to cover it up. This is totally unacceptable and should be dealt with accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (OR).
Issue: Trouble during payment process

Complaint: This is a follow-on to CFPB complaint # XXXX, dated XX/XX/XXXX associated with PNC Mortgage Company and PMI payments which should have been cancelled automatically. 

This complaint has been closed by the CFPB and PNC Bank has sent me a computer generated letter, dated XX/XX/XXXX, stating that I am no longer required to carry Private Mortgage Insurance ( PMI ), which I appreciate. However, they did not address my proposed and fair remedy to the problem and that is why I have created this new complaint. 

As previously stated in my correspondence and agreed by PNC, I started communicating with PNC in XX/XX/XXXX, regarding the removal of PMI on my loan. Based on PNC 's PMI removal requirements, my loan principle balance was below 78 % with the XX/XX/XXXX payment. Based on my original loan PMI documentation, PMI should have been automatically stopped at this time. It was not. 

On XX/XX/XXXX, I again wrote PNC, requesting deletion of PMI. They either did not read all information that I submitted or chose to ignore it and again sent me computer generated information on PMI. My complaint to CFPB regarding this was submitted on XX/XX/XXXX. In the CFPB complaint I proposed that PMI be terminated effective with the XX/XX/XXXX payment, which I thought was more than fair based on my communications and evidence. I did not request an effective date of XX/XX/XXXX, which legally, I should have been entitled to. In PNCs response to me and analysis of escrow account, the effective date would be XX/XX/XXXX. In addition, for XX/XX/XXXX, they charged me double for PMI ( MIP ) : {$86.00} versus {$43.00}. I received a refund of {$10.00} from XXXX, PNC 's partially owned PMI company. 

It was not my fault that the PMI document was originally written incorrectly and I did everything I could to resolve this issue in a timely manner. Based on the timeline of my communications regarding this and the PMI documentation, I was being more than fair by requesting a PMI termination date of XX/XX/XXXX instead of XX/XX/XXXX. Instead, they have taken an additional {$110.00} PMI ( MIP ) ( {$43.00} for XXXX plus {$86.00} for XXXX and minus {$10.00} refund check ) from my account. I request that I be refunded the {$110.00} overcharge or provided with detailed correspondence which clearly explains why I have been charged PMI for XX/XX/XXXX and double PMI for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Six years ago we applied for a home loan modification. After being told that we had qualified and had been approved for our loan, we were then told that the loan was denied. We did not know where to go for help. We hired a lawyer and stopped paying our mortgage payment at his advice. He told us he would handle our case and that he should be able to get us a loan mod within a year or two. We have been waiting for something to happen since that time. Now we have received notice of foreclosure and trustee sale of our home on XXXX XXXX, 2016. We have lived here for XXXX years XX/XX/XXXX. We were always on time with our mortgage payments until our " Pick A Pay '' went up above $ XXXX/mo. Wells Fargo will not answer the phone when our lawyer calls. Wells Fargo will not even discuss a loan modification. Our lawyers have determined that we qualify for a HAMP loan modification, but Wells Fargo is going ahead and selling our home out from under us with no negotiations whatsoever. Wells Fargo should be prosecuted for ignoring the programs that could help people like us, retired and taking care of our XXXX veteran son.

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 05/22/2015 about Debt collection (I do not know) with Guglielmo and Associates (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am receiving continuous phone calls from a creditor ( Gugliemo & Associates ) despite I am XXXX, receiving Social Security XXXX, and informed this creditor. They continue to call and harass me, and cease to stop. 

Section 207 of the Social Security Act ( 42 U.S.C. 407 ) protects Social Security benefits from garnishment, levy or other withholdings by the federal government, except : To enforce child support and alimony obligations under Section 459 of the Social Security Act ( 42 U.S.C. 659 ) ; For certain civil penalties under the Mandatory Victim Restitution Act ( 18 U.S.C. 3613 ) ; With a Notice of Levy to collect overdue federal taxes under Section 6334 ( c ) of the Internal Revenue Code ; Through the Federal Payment Levy Program to collect overdue federal taxes by levying up to XXXX percent of each monthly payment until the debt is paid under Section 1024 of the Taxpayer Relief Act of XX/XX/XXXX ( Public Law 105-34 ) ; To withhold and pay another federal agency for a non-tax debt you owe to that agency according to the Debt Collection Improvement Act of XX/XX/XXXX ( Public Law 104-134 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: We filed Bankruptcy in XXXX of 2010. XXXX XXXX XXXX and XXXX both are erroneously reporting mortgage lates after that date. These were recently reported on all XXXX bureaus and have dropped our credit scores. We have been working to recover from a very difficult time 6 years ago and seems like they just want to keep us down.

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