milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-10-2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: This is a response for case number XXXX. I am unable to gain access to the established account. To recap, I was diagnosed with XXXX XXXX around XXXX. Initially, I did not have insurance. The medical costs placed me in a financial deficit that also resulted in pre-foreclosure. Through the good graces of the Florida Hardest Hit Fund, I was able to keep my home. XXXX is the mortgager and XXXX is the servicer. However, XXXX sent me an account statement dated XXXX XXXX, XXXX ( see attached documentation ) indicating that total amount ( arrears plus principal ) due was {$28000.00}. On XXXX XXXX, XXXX XXXX paid XXXX {$8500.00}. I received account statement dated XXXX XXXX, XXXX indicating that total amount due after application of the XXXX XXXX, XXXX disbursement was {$23000.00} with a monthly payment of {$230.00}. On XXXX XXXX, XXXX, XXXX paid XXXX {$12000.00}. I received an XXXX XXXX, account statement indicating a monthly payment of {$230.00} and principal balance of {$13000.00}. The XXXX XXXX, XXXX, statement showed a monthly payment jump to {$310.00} even though all required payments including monthly mortgage, were made on time. It also reflected continued extraction of escrow payments for PMI, taxes and insurance even though I had paid all taxes on the property on time from the inception of the loan ( see attachments ). The only proof of insurance provided by XXXX was effective XXXX XXXX, XXXX, after I had submitted my initial complaint to the CFPB.. After submission of the complaint to the CFPB, PMI was dropped without credit for previously incorrectly extracted funds and monthly payment per the XXXX XXXX, statement increased to {$990.00} ( see attached ). At inception my mortgage was approximately {$130.00}. XXXX has levied charges for items such as {$430.00} for property repairs that never happened. I have lived in this property since inception. I repeat for emphasis, that I believe that XXXX and XXXX is attempting to steal government funds and force me back into foreclosure. Please take a close look at the documents I have provided. I am trying to determine the fair principal and monthly payment owed after the correct application of FFH funds. I need all escrow charges refunded to me as they were applied incorrectly at best, fraudulently at worst. They did not pay property taxes. I did ( see attached documentation ). Nor, have they provided proof of insurance effective prior to the date of my complaint to the CFPB. How can monthly payments fluctuate so dramatically at the whim of the servicer on a fixed rate mortgage that is not in default? PLEASE HELP!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: During the week ofXX/XX/XXXX, I reached a settlement on the two credit card accounts I have with XXXX. On XX/XX/XXXX, I paid off both credit card accounts with XXXX for the settlement amounts, ending in XXXX for {$560.00} and XXXX for {$4400.00}. XXXX has reflected the payments I made to the 3 credit bureaus XXXX, XXXX, and Transunion, but refused to report the accounts paid in full and the remaining balance is posted as due and owing. I contacted XXXX on multiple occasions and was told I would be receiving a fax, which never occurred. On the most recent call, I was told the fax would take 10 days from XX/XX/XXXX which is an unreasonable length of time ( over 21 days since payoff, if it is ever sent ). I have previously exhausted the dispute process with the credit bureaus and since no letter was provided by XXXX I am unable to provide written proof of the settlement. Verbally, XXXX acknowledges a settlement was reached and the account was paid. However, they refuse to simply put it in writing on a brief document and provide it to the consumer, and have not updated the accounts as settled with the three credit bureaus. They state it will take 2 or 3 MONTHS to report the settlement! I feel XXXX is intentionally delaying since they have received their payments, and this is unfair to the consumer. I paid promptly upon settlement, XXXX needs to demonstrate the settlement promptly in writing and with the three credit bureaus. I have attached a copy of my triple bureau credit report which reflects the XXXX accounts that are incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PRESTIGE FINANCIAL SERVICES INC (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: PRESTIGE FIANCE COMPANY WOULD CALL ME AND HARRASS ME AND MY FRIENDS AND DAD THAT WERE ON THE APPLICATION AS REFERENCES. TOLD ME BORROW MONEY AND DONT PAY MY RENT TELLING MY FRIENDS WE KNOW SHE IS AT THE SALON GETTING HER LASHES DONE CALLING PHONES MORE THE 5 TO 6 TIMES A DAY

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (Payday loan debt) with Omni Financial Group, Inc (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Complaint : I do not have a contract with Omni  XXXX   XXXX   XXXX . I am not liable for collected this debt owed of $  XXXX . I am not responsible for this debt.     Desired Outcome/Settlement Charged off as Bad debt profit and loss write off an sold to a third party with no contract.   Desired Settlement : Correction to credit report DELETE FROM CREDIT REPORT

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX told me that they do not verify that information. 
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 10/31/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian continue to list a Civil Judgement which is not mine.Experian has deleted the entry from the Original Creditor which is XXXX XXXX, but they are not deleting the Civil Judgement from XXXX XXXX. When the Original Debt from XXXX XXXX is not mine, how come the Civil Judgment from from that debt is mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Back in XXXX XXXX, I sent a complaint about the XXXX mortgage companies that I have been dealing with, XXXX XXXX XXXX and Carrington Mortgage. My loan was sold from XXXX to Carrington Home mortgage. The most up to date documentation received from Carrington Mortgage has become a conflict. Last year Carrington Mtg stated we owed them {$32000.00}, ( from XXXX the previous lien holder ) and after I contacted your office I received information that Carrington mortgage would accommodate the modification that XXXX had started. We obtained a lawyer and paid {$4000.00} for services for the loan modification with Carrington. The lawyer worked with Carrington from XXXX XXXX until XXXX XXXX, at that time we received the loan modification from Carrington. 

The pre trial payments begin for three months which were all sent to Carrington 's office at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX. The four payments after that and the last payment was forwarded to the lawyers office which was the same address the other XXXX payments previously sent. 
We contacted Carrington mortgage and was told that they could not speak with us because we had a lawyer. When I finally spoke with someone he stated that he saw the payments from XX/XX/XXXX-XX/XX/XXXX in the system but they had not posted to the account because we have a government loan and asked me to send the bank statement to show check payment and amounts paid. I was then told to contact the case manager XXXX of Carrington but have not been dignified with a response since XXXX XXXX, XXXX. As of today Monday XXXX XXXX, I have not been able to contact the case manager of Carrington mortgage and the lawyers office of XXXX XXXX XXXX ( XXXX XXXX XXXX ) will not answer my calls. XXXX. I have been pondering the many different dates, amounts due and the recent foreclosure notice received stating the dates owed is XXXX XXXX to XXXX XXXX when we started the trial payment in XXXX XXXX and made the payments through XXXX XXXX. I have tried everything the correct way and returning to your office for the third time. Please help us save our home. In brief XXXX sold the loan to Carrington mortgage for {$260000.00} after modifying the loan to {$180000.00} the Obama bailout paid off the loan, Carrington mortgage modified the mortgage at {$180000.00} with a payment {$1200.00} stating we owe {$30000.00}. 

Here are the numbers and dates that are in question:1. XXXX XXXX, {$30000.00}. XX/XX/XXXX-XX/XX/XXXX {$10000.00}. XX/XX/XXXX-XX/XX/XXXX $ XXXXA foreclosure notice was sent in XXXX XXXX dated for XXXX XXXX {$12000.00} but checks were cashed from for XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Consumer Loan (Vehicle loan) with DriveTime (CA).
Issue: Managing the loan or lease

Complaint: I recently paid off a car financed with DriveTime, Inc. ( I had defaulted on the loan, and they repossessed it ). I submitted payment to DriveTime on XXXX/XXXX/2015. Payment was processed and posted to my account on XXXX/XXXX/2015. On XXXX/XXXX/2015, I received a letter by fax saying that my balance was {$0.00}. In a phone call on XXXX/XXXX/2015 with a member of the Repossession department, I was assured that I would receive my title in 4 - 6 weeks. As of XXXX/XXXX/2015, I have not yet received the title. I made numerous calls on this date to DriveTime, and was told several different things that contradicted each other, from the State of California holding up the title processing to the title not being processed due to a " system bug ''. I have included documentation of payment of the loan, as well as conversations with the various DriveTime staff members. Also included is a conversation with a representative of the California XXXX stating that DriveTime never submitted any kind of title or lien release paperwork. ( As each agency has a recorded statement that phone calls may be recorded, that satisfies the requirement of notification of call recording. See 18 U.S.C. 2511 ( 2 ) ( d ). )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Other debt) with ERC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been going in circles for almost 2 weeks with trying to get services with atnt uverse. I have been transferred over and over and no one can help me. I was told to call the ERC Collections and once I called I told them I need proof that the balance of XXXX is removed and not owed. They say they cant provide a letter so now atnt cant help me even though they were the ones who sent me there. All I am trying to do is get services. I have checked all credit reports and it 's been removed. ERC has now all of a sudden decided to make a new bogus account and today they said that XXXX should already have on file that I do not owe anything but once again I called today and XXXX cant help me so I can get services. I have informed that I have a police report that it 's not my charge, but for some reason, thats still not good enough. What other evidence do I really need to prove? They say all calls are recorded and monitored, so in that case, ERC needs to replay their recordings and hear how I have been treated. Also after being on hold for 10 mins becasue the agent said he will ask his boss can I get a letter stating I do not owe, he then came back on the phone and said no, and that he has another account number for me, so now when I use to log in ERC page before yesterday, I got a message that says the account has been stopped, now when I login it leads me to a page that wants me to start a dispute with them. This is very illegal there is no way I had a new account in 10 mins.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Debt collection (I do not know) with Messerli & Kramer P.A. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i am receiving threats of bank levy and garnishments on a debt i know i do not owe.this debt is not on my credit report from what i understand there is a judgement also not on my credit report i contact the collection agency they want personal info i am not willing to give them

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: With only 11 days prior to my next mortgage payment due date on XXXX XXXX, I receive a letter from HSBC, stating that my mortgage will no longer be serviced by " HSBC '' but will now be serviced by XXXX XXXX XXXX. Concerns listed below : 1 ) The letter warns that the mortgage loan number will change but it does not provide the new mortgage number. 

2 ) The letter also instructs me to make a payment via mail to XXXX XXXX XXXX by XXXX XXXX. 

3 ) The letter states that I should update my bill payment payee but my bank requires an account number and no account number is provided. 

4 ) Since a loan number is not provided how will the moneys be credited to my mortgage if I do mail in a payment to XXXX XXXX? 

5 ) The letter states that HSBC will not accept payments and if any are received they will be forwarded to XXXX through XXXX 2016. How and where will I see that the moneys have been credited in a timely fashion? 

6 ) When exactly will the new mortgage loan number be issued? 

7 ) Recently I received an escrow analyses from HSBC asking me for additional moneys to cover a shortage in my escrow account. This particular letter lists an option for paying the difference in XXXX lump sum or by having it spread over the 12 months of payments which is my preferred option. Why does my current statement bill me for an extra {$540.00} and refers to this amount of {$3000.00} as the " regular monthly payment ''? ACCORDING TO THE ESCROW ANALYSES THE REGULAR MONTHLY PAYMENT IS {$2500.00}. 

8 ) Lastly, I 'd like a current amortized statement inclusive of all payments sent to HSBC since the mortgage service changed hands to XXXX and indicating how many outstanding payments remain. 

Given the poor ratings XXXX receives on all consumer websites I am very concerned about this change. The number one complaint is that payments are not accepted because XXXX does not recognize the account numbers. 

What are my options and why is this change taking place without sufficient notice? Eleven days for a change of this magnitude is not sufficient time. Frankly the suddenness of this whole change is rather predatory. 

I requested from HSBC to revise the regular monthly payment to what was shown on the escrow analyses in the amount of {$2500.00} rather than the {$3000.00} shown on the XXXX XXXX statement which is incorrect. 

I spoke an HSBC representative who assured me the payments would be adjusted but I have not received a new statement to reflect this and I also have not received the letter from Nationstar informing me of the new account number.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (HI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In XX/XX/XXXX- XX/XX/XXXX of 2017, Equifax, one of the three major credit reporting and monitoring agencies, had sensitive data compromised in a data breach that likely revealed information such as : Social Security Number, Drivers License Information, Credit Card Information, and Contact Information to criminal perpetrators of the breach. Equifax provided a website for users to enter a portion of their social security number to determine whether or not they may be impacted. After entering my information on XXXX XXXX, 2017, Equifax 's website alerted me that I was likely affected by this incident. I have added a temporary Credit Fraud Alert through a competing credit reporting agency, XXXX, in the event that my personal information is being misused to open lines of credit, etc. without my consent. I am filing a complaint as this breach of security and my personal information may be highly detrimental to my future plans of taking out student loans to return to school for a change in career, and am seeking means of restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: SEARS claims I have a balance with them and never paid them therefore sending me to a ( without notifying me nor by mail, phone call, or e-mail ) collection agency on the balance that was not accurately or at all mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: Equifax deleted XXXXXXXX XXXX XXXX XXXX and XXXX XXXX then they Reinserted the collections without notifying me within 5 days of reinsertion violation of 15 USC 1692 ( c ) 805 ( b ) communication with third parties. Debt collector must have your prior direct consent or a court order to communicate to anyone about a debt. This includes credit reporting agencies. Also use 15 USC 1692 ( k ) 809 ( a ) validation of debt. They MUST Validate all debts! If not permanently removed by equifax. I will seek litigation and file a lawsuit. Equifax will be charged with preventing furnish from reporting debt on credit profile. The courts would rule in my favor examples XXXX XXXX EQUIFAX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I called to try to get my payment lowered because my hours were cut back at work and they only gave me the option of forbearance and told me that if they did anything with my loan, they would raise the monthly payment. I have paid my payments on time for 9 years and they offered no help or options when needing to lower my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: had requested Transunion to investigate a credit inquiry for lease consultants dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to lease consultants. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.

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 03/25/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (IN).
Issue: Loan modification,collection,foreclosure

Complaint: After receiving a summons for foreclosure in XX/XX/XXXX I completed the answers within 2 weeks of receiving the summons and had this turned in by the deadline date. I also sent in a request for a settlement conference to be scheduled within the provided deadline. Once that was completed my husband and I contacted the XXXX XXXX XXXX XXXX ( XXXX ) for additional assistance. While working with the XXXX they were able to help me complete my loss mitigation package which was provided to the lender and the lenders attorney on XX/XX/XXXX. Since XX/XX/XXXX I have not received anything in the writing from the lender regarding that package. A lady by the name of XXXX XXXX will call both myself and my husband during business hours when we are not available. My husband and I have both returned her calls and left voicemails of when is the best time to reach us and she will never call during these times. Every time we call her it goes straight to her voicemail, which we then leave a message letting her know when to contact us. The only thing we have received in writing since the loss mitigation package was completed are letters simply stating that XXXX XXXX is our point of contact. I have now been assigned an attorney ( XXXX XXXX ) through the XXXX who has confirmed that the settlement conference has not yet been scheduled and that written contact has not been made and he will now be an appearance on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I have deposited XXXX dollars in my SunTrust Bank account and days later SunTrust allowed multiple fraudulent transaction on my account taking all my funds and my account from my previous deposit ... .I believe SunTrust had a part of this fraudulent activity due to the fact after I reported it they still held on to my funds denying me access .... including my stolen identity of my government issued ID and social security card! I spoke with a supervisor and executive team and they all are withholding me from. My fund 's including engageing in this fraudulent activity

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