milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Statebridge Company (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My original loan was with XXXX XXXX which was illegally billing me. I stopped paying because there were numerous discrepancies in the amount being billed. Despite numerous request to have my loan reviewed, the request were ignored and sent to be foreclosed upon. They started a foreclosure which I was never served the summons and complaint or sent the 90 day notice as required by XXXX laws. My loan was later sold to waterfall which has been serviced by Statebridge Company. After the transfer I tried to rectify the problems with Statebridge. Rather, Statebridge continued to harass me to hand over my home rather than work with me to bring the loan current. After the transfer Statebridge continued the illegal billing and added an additional XXXX. On numerous occasions I was told I would not be given a modification and my only option was to turn over my home XXXX. A home which has more than a couple XXXX of dollars in equity. I also communicated with Statebridge about the faulty foreclosure, yet they still tried to obtain a default foreclosure. After I filed I motion to dismiss and several court appearances, the judge reviewed the case and ordered a traverse hearing. Upon the looming of the traverse hearing they discontinued their foreclosure action. 
The foreclosure was also sent to my neighbor which is a violation of federal laws. After communicating with their attorney 's and servicers asking for proof of the amount being billed they have basically ignored my request. Statebridge sent me a letter stating they were not required to answer my qualified written request since I am in foreclosure and their attorney 's have just ignored my request for documents. They have recently ended their foreclosure case and although their order of discontinuance states that the case is discontinuing without cost, I received a statement with additional foreclosure and attorney 's fees. Statebridge, XXXX are in violation of Federal, state and City foreclosure rules. XXXX Statebridge have insisted that I hand over over my house to them for {$3000.00} rather than justify their fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Payday loan, title loan, or personal loan (Installment loan) with LENDING CLUB CORP (LA).
Issue: Getting the loan

Complaint: I received an email from the Lending Club on XXXX XXXX, XXXX that my loan application was being denied due to inadequate income. The problem is I did not apply for a loan. This was a total surprise. I called this company on XXXX XXXX, XXXX and XXXX, XXXX. I currently have a loan opened in XXXX XXXX. I requested a copy of the loan application which they were unable to produce. The big 3 credit bureaus were contacted and have security freezes and fraud alerts on my accounts. The fraud unit of Lending Club sent a report I can fill out for law enforcement. The claim is I checked the loan rates on XXXX XXXX, XXXX which I did not. I live alone with my puppy. No one else has access to my computer. Since no proof could be furnished of loan rates being checked, other consumers should be aware of questionable practices of Lending Club. From what I have read online, this situation has happened to many people. If I had known how this company operates, I would not taken a loan from them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Mortgage (Home equity loan or line of credit) with PHH Mortgage Services Corporation (IL).
Issue: Loan servicing, payments, escrow account

Complaint: PHH mortgage service has failed to update its records of my account being past due in XXXX and XX/XX/2012 despite my providing documentation of error and request to then and Experian to correct. In late 2012 our servicing was moved to PHH from XXXX. We made timely XXXX payment of XXXX on XXXX and on XXXX we made a combined XXXX and XXXX payment of XXXX. No payments were late. Attached is copies of bank statements showing amounts were paid electrically. Please correct this error This error occurred when servicing was being moved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (OK).
Issue: Trouble during payment process

Complaint: i called about my mortgage settlement today and was told there was no settlement information available and to check on-line for news updates. After reviewing 22 pages of CFPB press releases/ reports, I found no information about the Flagstar settlement. 

I received a check in XX/XX/ 2017 as part of a settlement. I received a check previously as part of a settlement with Flagstar. I have received any further correspondence as a final or conclusion of the settlement. 

I have received about XXXX, so far. 

The phone number for the Payment Administrator is no longer in service. 

The assistant at CFPB was not helpful. 

Can I have an address, phone number or email address to get information of this matter?

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 09-11-2015 about Debt collection (Medical) with Merchants' Credit Guide Company (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I called Merchants Credit XXXX 3 times to request copies of the original bills, because the original creditor has no record of an outstanding balance. After the first call they noted on my credit report consumer disputes which i was not, all i wanted was copies of the bills to be faxed or e-mailed which they refused so they said they were mailing the original bills to date since XXXX i have not received the original bills in the mail. I then sent a debt validation letter via certified mail on XXXX XXXX, 2015 the company signed for the XXXX letters on XXXX XXXX, 2015. The company has not ceased reporting to the credit bureaus nor have they sent the bills that i have requested numerous times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Midland Funding LLC bought my XXXX bad debt credit card of {$10000.00} from XXXX in XXXX of XXXX. I received a judgment against me for XXXX, XXXX which I have been paying monthly notes of {$120.00} every month through XXXX. 

I paid total of {$8500.00} as of XXXX/XXXX/XXXX. Midland Funding LLC added {$6300.00} interest to my balance of {$2900.00} on XXXX/XXXX/XXXX. I contacted an associate of Midland Funding LLC about this interest and she stated if I do n't settle to pay XXXX % of this debt they will garnished my wages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2017 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: Account status incorrect

Complaint: I had a car accident in XXXX XXXX, XXXX. Had a total loss on the vehicle. Car insurance carrier paid {$30000.00} to XXXX XXXX, the lender. We 've done our part by communicating between the lender, Gap Insurance and the XXXX dealer. We 've faxed all the documents needed. We have n't heard anything from XXXX until the 2nd week of XXXX. I was alarmed to find out that our Gap Insurance has n't paid the remaining balance owed to the vehicle. I asked the Representative, a male, as to why we are just informed now after three months. He basically told me that they ca n't get hold of our Gap Insurance company after so many attempts, and that 's why they 're now contacting me. I called Gap Insurance Company and asked them of the progress. I was told that the documents they received three months ago were not eligible to read, so they could not proceed with the claim and they do not communicate with the lender or the customer. We made several phone calls between XXXX and the dealership for the next two weeks. Then on XXXX XXXX, XXXX at XXXX, I received a phone call from the XXXX call center. I spoke to XXXX and I was told that they received the Gap Insurance payment and all they 're waiting now is for the dealer to cancel the extended warranty service that we purchased on the vehicle. The next day, I had to go to the dealership to take care of it personally. While at the dealership, the finance manager looked up our account and discovered that our policy has been cancelled and only the lender can do that according to her. And a payment check of {$540.00} was sent to XXXX on the XXXX XXXX while Gap Insurance sent the check on the XXXX. XXXX failed to communicate with us in a timely manner. Because of their incompetence, we are being punished by reporting our account delinquent. If you talk to one XXXX rep, it will tell us another. It seems like the other hand does n't know what the other hand is doing. We 've tried calling XXXX several times asking them to remove the late report on the 3 credit reporting agency but until now, nothing has been done. So, I will not own the delinquent report on my credit reports because XXXX in the first place, failed customer service. They have my email, contact number to call or home address but they never updated us of the status of the claim until three months had passed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (VA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: Excessive calling one day after due date .Even called on XXXX morning at XXXX on 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 explanation
Consumer complaint received 07/18/2015 about Credit card () with BARCLAYS BANK DELAWARE (TN).
Issue: Credit line increase/decrease

Complaint: I had a credit limit of {$3000.00} on a Barclay Visa card. I co-signed on an auto rental with a temp subcontractor for a one-week term. After 2 weeks I received a call from the auto rental reminding me the auto was due in. The person that had the auto assured me that after the first week, he would return. I could not make contact and when I received call from rental agency at end of week three, I suggested that it should be reported as stolen as I could make no contact. That was in XXXX 2015. With no charges from the auto rental until XXXX XXXX, there were XXXX charges added to my card which put me over the credit limit, imposed by the issuer, a XXXX dollars. I called Barclay 's help line and was told the credit limit was not enforceable. Then I requested that a hold be put on my account, thinking that would prevent any more charges. Then on XXXX XXXX, there were XXXX other charges from the auto rental for some {$3200.00} which then exceeded the credit limit by some $ 4,000+. I was more than shocked and called their help line and was told that a hold would only stop the card working if it was swiped, but would not stop other charges coming thru their system. I then cancelled the card. I sent a fax and XXXX letter to Barclaycard to file a dispute on XXXX XXXX. On XXXX XXXX I was sent a letter in response that indicated they could not further pursue because they tried to call me twice on XXXX XXXX. There is no record on my cell phone of any call attempts from them. The letter was generic with NO NAME or contact number or email other than their Service Center # that could do nothing to assist me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a credit with XXXX. The continue to report the status of the account as 60 days past due to 2 of the credit bureaus. This makes an account that is closed and paid in full report as an active delinquent account. they failed to report payments made after a missed payment which would have taken the account back to current status with the credit bureaus. They knowingly are doing this to keep this account delinquent seeing I closed the account after issues with their system accuracy. The account was never 60 days past due

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 11-06-2016 about Mortgage (FHA mortgage) with Prospect Mortgage, LLC (KS).
Issue: Application, originator, mortgage broker

Complaint: I 've been trying to get Mortgage company who are supposed to be FHA approve lenders to do a streamline EEM with no success one company ( XXXX told me it did n't exist ) Incidently I started process XX/XX/XXXX They also ran hard credit check, the last company I 've dealt with again this guy lied before I even started with him, I asked if they did this type of loans he said yes otherwise I would not have bothered with him I gave him info of course he ran another hard credit check then he tried to get me to sign for a different loan product and told me then that their were being updated an he could n't guarantee he could do the loan this year, I am just very upset al I need to do was make my home affordable to live in I only needed was {$2500.00} and {$400.00} to pay the Energy Auditor, I tried to do this myself I had an accident XXXX ending up with medical expenses and short pay checks otherwise I would'nt be doing this. I also wanted to make it more live able because I have my XXXX sister living with me and the XXXX are hard on her. I may as well let you know that these inspections I believe are only good for so many days and I do n't know if I can get him to extend it. I would 've met the criteria for this FHA program. I do n't know if can take this run around and all these hard credit searches are hurting my score,!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I changed my payment plan for my student loans to the Standard Repayment Plan, after being on income-based plans for a number of years. I intend to make qualifying payments so that I eventually qualify for Public Service Loan Forgiveness. After I changed to Standard, I received an email from FedloanServicing stating, " You need to select an eligible repayment plan for your payments to count for Public Service Loan Forgiveness. '' and " You need to change your repayment plan as soon as possible to ensure that any future payments you make count towards PSLF. '' From my research, I understand the Standard Repayment Plan to be a qualifying plan for PSLF, so I am confused by this letter, and I do not want to make payments that are not qualifying.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Caliber Home Loans is not reporting accurate information to the major credit bureaus in regards to my " monthly '' payments received, monthly payment amount, which is XXXX not XXXX or XXXX and matter has caused a negative impact on my credit, score and job clearance. Per my credit reports On XX/XX/XXXX and XX/XX/2017, Caliber reported that my account was delinquent by 30, 60, 90 days when in fact my account is current and does not reflect reporting for the months of XX/XX/XXXX, XX/XX/XXXX nor XX/XX/2017. I have recently reached out to various Caliber Customer Service employees whom referred my inquiries to their " Credit Department, '' however, the issue still remains unsolved and incorrect. I am fully aware that XXXX 's reporting is the XXXX of each month, however, XX/XX/XXXX 's reporting should reflect XX/XX/XXXX 's payment which has not been reported and the same for XX/XX/XXXX 's reporting. To date, my next scheduled payment is not until XX/XX/2017, which my reporting should reflect on time. Caliber is not adhering to their reporting schedule nor are they reporting accurately, which causes a financial and employment strain on its customers, due to their inability to report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Payday loan () with Midway Resolution Services LLC (PA).
Issue: Payment to acct not credited

Complaint: I got calls for several years about a supposed payday loan from XXXX or XXXX from various collection companies. I would ask for proof of this unpaid loan in writing. They would not send anything by mail. Some said they had emailed proof others said they did mail proof. I never received anything. This has been calls over the years from various companies who all seemed to have a little info on me. I noticed that Midwest XXXX put a payday loan as in collections on my credit report. I do not believe this is a valid debt. I have lived at the same address for 37 years and have had the same email Address for over 15 years

Company response to consumer: Untimely response
Consumer complaint received 02-10-2016 about Debt collection (Payday loan) with National Principal Group, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: People keep calling from all different numbers from a company called " NP Group '' telling me that I owe money from 2010. I never took a loan out online. The guy ( XXXX ) called and said I took money out from an online source, XXXX XXXX. XXXX XXXX also has several lawsuits against them for not following the XXXX guidelines. 

NP Group is actually known as National Principal Group , LLC. This company is also known as XXXX. FAKES!

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (PA).
Issue: Application, originator, mortgage broker

Complaint: Reference to Case number : XXXX Unfortunately, the representative of US Bank did not address my complaint accurately and specifically explaining why the loan application was mishandled from the beginning : - I would have promptly clarified the contradictory information if was brought to my attention immediately without any delay. 
- As I mentioned, I have over 25 years of gainful, professional employment with XXXX earning a very good amount of money each month, with or without extra allowances and I have a saving over $ XXXX in my 401K - Still US Bank is challenged calculating basic math : My monthly income without allowances is XXXX. Common sense dictates that an employer would not give {$16000.00} for a house and car allowance. The actual house and car allowance. Equals XXXX a month. Please review your calculation again - I believe this process has been made particularly difficult and lacked transparency. I.E. I was not informed about the program requirements. Can you provide the DTI ratio? What is the minimum down payment? 
- As the process unfolded, I began to wonder if my status of being an XXXX living in the XXXX XXXX played a role. 
- This protracted process of securing a loan and its eventual denial caused considerable emotional anguish for me, my spouse and particularly for the sellers. 
- As a buyer, I can not recover from this failed transaction, because the seller put this special house right back on the market and immediately went into escrow.

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 09/16/2016 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (MD).
Issue: Credit decision / Underwriting

Complaint: XXXX I started the process of refinancing my mortgage by going to XXXX XXXX. I was contact ed by a company named Amerisave. I made it clear to there representative ( XXXX XXXX ) that I was on long term XXXX. In addition I was contacted by another rep ( XXXX XXXX ) and I informed him as well. There only concern was if my ethnicity was XXXX. It is now XX/XX/XXXX an I was denied credit for something they termed revolving credit concerns. Prior to the denial I was informed that I would have to get documentation for my XXXX that would state I would receive compensation for a minimum of three years. That was the only thing holding up my Re-Fi. My response was, do you ask the non-disabled for a guarantee of three years of future employment? Of course not.

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 10-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (PA).
Issue: Settlement process and costs

Complaint: To follow is a pasted a copy of the letter that I sent to Citibank. 
CitiMortage Customer Research TeamXXXX XXXX, MD XXXXDear Madam/Sir, Our CitiMortgage payoff statement quoted per diem interest of {$84.00} per day. 
CitiMortgage charged at the per diem rate of $ XXXXCitiMortgage charged us interest at this rate through XX/XX/2015. 
The mortgage was paid in full electronically on XX/XX/2015. 
The total CitiMortgage per diem interest charge was $ XXXXThe correct charge is {$2300.00}. 
Please promptly refund the remaining {$200.00} due and mail it to our new address listed above. 

I doubt that this is the first time Citi has issued an incorrect payoff that yields them an extra {$200.00} that they have not earned. I worry that there may be thousands of citizens who have been taken advantage of in this way. Most consumers do not realize that banking in our current post XXXX means that every number and every fee must be checked. Please look into this and let me know how I can help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit reporting () with Experian Information Solutions Inc. (DC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: An ID theft affidavit was sent to Experian containing accounts that were open due to fraud, forgery and theft. The Affidavit contained police report number XXXX, FTC complaint # XXXX and a U.S. Postal Inspection service complaint # XXXX. Experian continues to report the following accounts ; XXXX XXXX XXXX XXXX partial account number XXXX is not my account. 
XXXX XXXX XXXX partial account number XXXX is not my account. 

Experian failed to properly investigate this matter, in addition to disregarding my rights as a victim of identity theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation