milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2015 about Mortgage (Conventional fixed mortgage) with Dyck-O'Neal, Inc. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: my house was set for a deed in lieu. The mortgage company asked the judge to cancel the foreclosure but the motion was denied. The house was foreclosed on. I cooperated fully with XXXX XXXX and vacated the home as agreed. 
I recently got a letter in the mail from Dyck-'Oneal Inc. stating that they were assigned this debt from XXXX XXXX and that I owed {$44000.00}. They reported to XXXX and XXXX already. I was never given any details on this amount other than them listing XXXX XXXX as the original creditor, no account number was listed. I have not had a XXXX mortgage for over 10 years. I have sent them a request for validation according to the Fair Credit Reporting Act. It is a violation for them to automatically place this item on my credit report without any documentation or proof. These are the items I am requesting : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Identify the original creditor and loan number Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legally entitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt and how you/they determined these fees. ) Copy of the original signed loan agreement. ( My contract with the original creditor establishing the debt between us. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (DE).
Issue: Deposits and withdrawals

Complaint: I went to the ATM on XXXX the XXXX and deposited XXXX checks XXXX for XXXX and XXXX for XXXX which brought my balance to over XXXX. I pulled my account up on line the next day Monday the XXXX, and my statement was showing my Balance as XXXX and my available balance as XXXX. My deposits were pending and so were my debits. XXXX Monday night they put all my debits through including a check for XXXX at XXXX. Then at XXXX they released my entire deposit. According to the person I spoke to at the bank ... they put the withdraws through first at midnight, but do n't put the deposit in until the am. They claim it was XXXX different days. Therefore purposely over drafting my account, and charging me XXXX. But yet if you pull my statement you will see no where, where I was in the negative. I called the bank to ask that they waive the XXXX they refused. They also did this back in XXXX. I had a direct debit come out of my bank at XXXX XXXX, and at XXXX in the morning I had a direct deposit come through my bank. They said I did not have enough money on the XXXX Knowing that I had a direct deposit coming through in the am ... something needs to be done about this how can you overdraft knowing there is a deposit coming through hours later. I think this is very confusing the way they are doing business, and they purposely do business to confuse the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: From XXXX XXXX, 2016, through XXXX/XXXX/2016 I have contacted Equifax 4 times, by certified mail. Each time I have reported information concerning XXXX credit accounts that were fraudulently obtained, using my personal information. While XXXX, XXXX and XXXX immediately corrected the false data, Equifax has now failed for 60 days to comply with my requests. It appears to have initiated no investigation. It appears to fail to acknowledge information submitted to it by the defrauded credit grantors. ( XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Bank, XXXX, and XXXX Bank. )

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (Mortgage debt) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We got in to a Loan Modification with XXXX XXXX XXXX on property located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XXXX XXXX, 2011 for a fix interest rate of 2 % for the remaning of the note. They sold the note to Bayview loan servicing on and now we are charging us 4 %.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I have been with this company XXXX after I was bought out from XXXX. I have called them and also had to tape record them through out the years because of the issues witch I had with Nation star. It always seem to happen around the year of reanalyzing my escrow. I always found out they were over charging me I continually keep watch on my mortgage. On XX/XX/2017 I called I received a letter that my mortgage had went up because my taxes and insurance had went up, I then called the XXXX and my insurance and got it lowered down and I called them they told me my shortage was {$350.00} I then had a three way conference call with the insurance agency she assured them my mortgage insurance went down from {$740.00} to {$560.00} they said they would reanalyze the escrow and it would be lowered before XX/XX/2017 On XX/XX/2017 at XXXX I called a spoke with some lady name XXXX she replied that she was the escrow I asked her to connect me with the escrow department she replied she was the escrow department I told her she was with consumer services what is the problem she ca n't connect me she said she put in to have it checked with the escrow department I then explained to her I had already spoken with someone from the department she told me to hold and kept me on hold for two hours until the phone hung up. I have some recording of some of the communication from the other dates involving the conference calls. I also made them aware I was recording our conversation because of the misunderstanding past the years I 've been through. I 'm just asking that my information be corrected. Before XX/XX/2017 If not I should be refunded back not adjusted this could be avoided if Nation star does what they should.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received XX/XX/2017 collection notice from Southwest Credit Systems, L.P. for {$120.00} debt w/XXXX. I 've called & written telling them this is n't mine & even contacted XXXX to verify. They 've continued to send notices & it 's now on my credit report. I 've reported them to PA Attorney General receiving a file number & w/the FTC whereby I 've received a reference number. I want this stopped and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Mortgage (Home equity loan or line of credit) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I received a billing statement for a debt which was under Bankruptcy in XX/XX/XXXX. I had previously attempted to negotiate with USAA with no results. The billing statement I received stated " Total Past Payment Due '' and " Total Payment Due '' of $ XXXX XX/XX/XXXX. I went ahead and submitted the payment on XX/XX/XXXX. On XXXX I received a cell phone message from XXXX, who was handling the Settlement Agreement, asking to contact her. When I contacted XXXX, she was unavailable, but I spoke with a representative from the Settlement Agreement Department who stated that this was not the total payment due. I told her that I could not afford what they were asking for and to return the checks. She stated that they would return the checks. On XX/XX/XXXX, I noticed that USAA unethically cashed the XXXX checks. I immediately contacted USAA multiple times and was transferred from department to department, placed on hold ( at one point up to XXXX ). Eventually, a representative stated that the statement had been sent out in error. Yet they cashed the checks. I have been trying to contact USAA for answers with no results. USAA is committing unethical practice and would like an explanation?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Experian does not answer the phone, has not removed the erroneous and perhaps fraudulent info from our credit report. We are a small, family-owned XXXX XXXX. Our company name is XXXX XXXX XXXX XXXX. We live & work from home. Our shop is on our property and has been for over XXXX years. We are the only XXXX XXXX & XXXX for miles around and certainly the only one in XXXX, TX. Experian will not return my calls. I have emailed XXXX times with exact details of the problem and I keep getting letters that say it 's resolved. It is not. We are still listed twice on a business credit report search. The wrong info lists our address as that of our XXXX competitor who has been out of business over a year. The property taxes for 2014 for our competitor 's property are in arrears and I have been told by our mutual vendors that they were never paid by our competitor. XXXX denied our credit app because of Experian 's reporting. Experian keeps telling me to " resubmit again. '' After posting my story on Experian 's XXXX page, I finally got a real human in the personal credit reporting department that is trying to help me. He is even having a difficult time with the Business Credit department of Experian-his own employer. XXXX XXXX XXXX XXXX has never owned, rented, worked from the property at XXXX XXXX XXXX, XXXX, TX. Several years ago, someone claimed our online profile so that when you searched online for XXXX XXXX & XXXX you got the phone number to our competitor at XXXX XXXX, XXXX, TX. I finally fixed that but it took years. We were denied credit by XXXX because of Experian 's false information and Experian will not return my calls and repeatedly sends form letters to me saying that it 's fixed. A quick search on www.experian.com reveals that it is not fixed. No one has called me back except for XXXX in the personal credit area, who saw my post on XXXX and is trying to help me. We have excellent credit. We work extremely hard doing XXXX work in the Texas heat. We pay our bills on time and mostly in-full. The other XXXX reporting agencies are not reporting the wrong info. XXXX with Experian just told me that they have pulled a credit report on our name with our competitor 's address. I can not get the report unless I pay them money. The building at XXXX XXXX is vacant and for sale. The property taxes are in arrears. I just need our name completely disassociated from that address. Please help. Experian Business Credit will not help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To whom it may concern I have tried contacting all credit bureaus about unauthorized hard inquires on my credit report please help the applications I applied for with my credit union shows decline due to too many inquiries I have tried everything please help. <P/>XXXX shows XXXX disputed TransUnion disputed XXXX disputed I am trying to re establish my credit and I ca n't move forward with multiple inquires

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Mortgage (Conventional home mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XXXX XXXX, XXXX, I initiated a refinance application via the usaa.com with USAA. I have banked with USAA for approximately 10 years. I have all my banking and car/home insurance with USAA. I wanted to refinance my existing loan with XXXX XXXX to apply for greater discounts and to consolidate my credit card debt into my mortgage for a more manageable payment. I owe approximately {$86000.00} on my home and it was appraised by the contracted USAA appraiser for {$160000.00}. I was going to refinance for {$120000.00} which is 73.8 % of the value and well within the normal range to request a refinance. After spending over an hour on the phone with the Mortgage pre-qualification, I was emailed several documents to e-sign. I signed everything and was then handed off to XXXX XXXX on XXXX XXXX, XXXX. 

For the following 18 days, I was repeatedly harassed with requests to provide narratives, documentation of income, and then more documentation supporting my narratives. I provided an unofficial transcript to prove my time taking classes 2 years ago, I was asked for my monthly income from 2 years ago, I was asked for a copy of a lease I had, on and on even questioning my daily commute to work, until I finally gave up and requested that the application cancelled on XXXX XXXX, XXXX. XXXX again ignored this request and assured me that the underwriters boss and his boss were now reviewing my loan application, but that they again needed additional income verification! I responded that if I had additional income that he/she would have known because I would have provided it several weeks ago at the initial request. 

Towards the end of the 18 days of harassing gotcha inquiries and prior to requesting the application cancelled, I had requested of XXXX XXXX to refinance through HARP and each request was ignored like I had not even mentioned. I complied with every request for 18 days, until the " underwriter '' asked again for additional income verification! The requests were so ridiculous and frustrating that I can only assume the Mortgage division uses this tactic to underhandedly discriminate against single females without a dual income. I have a good credit rating, never been late on any payments and as mentioned, have {$82000.00} of equity in my home. I 've lived in my home for 10 years. I make over $ XXXX, which is more than enough to manage a {$120000.00} mortgage. 

I refinanced my house through HARP to a XXXX mortgage in XXXX so I know the process to refinance is not as grueling as USAA 's mortgage division imposed. The refinance I did in XXXX was closed in a matter of weeks and NONE of my statements were scoured for dishonesty. 

I have all of the supporting emails for my claim of gender and income discrimination in Mortgage Lending against USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: All Bureaus XXXX, Equifax, and XXXX have failed twice to investigate my disputes. As you can see from all the documents. It 's been over 260 days since I sent my first dispute letter and a duplicate of it on XXXX/XXXX/2016. This is against my right to dispute my credit. I would like the CFPB to investigate and demand the removal of all issues in question on my credit reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am bringing to your attention a matter that has significantly disrupted my life and caused me severe hardship. This collector continues to report an account on my credit report that should not be there. On XX/XX/2017 I wrote to this company and had them served notification of my dispute by certified return receipt mail where I asked them to either validate or delete the account from my credit report. I asked that they produce my signature to show where I agreed to pay this alleged debt along with all other documents that I may have signed and agreed to. No such documents were produced and yet the company just kept on reporting the account on my credit report as a valid account despite my dispute to the credit bureaus. My legal counsel has advised me that this is a violation of Sec 809 of the Fair Debt Collection Practices Act that is enforceable in court

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Using a debit or ATM card

Complaint: I wanted to dispute charges on my debit card with Bank of America. I was told that the only way to do this is via telephone or by physically going to a banking center. As I am XXXX and do not use a XXXX, I am not receiving the same level of service ( or even close ) as I am denied the ability to dispute transactions without enduring XXXX. This is not the first time Bank of America has denied my reasonable accommodation requests. They still have not addressed my previous complaints.

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 03/31/2017 about Other financial service (Money order) with WESTERN UNION COMPANY, THE (NY).
Issue: Lost or stolen money order

Complaint: I purchased XXXX money orders from Western Union to pay bills. When I learned the payments had not been credited to my account, I contacted Western Union to trace them. Both had been cashed, but not by the payees I had made them out to. Instead, both money orders had been forged to change the payee and the payor. I asked to have my money refunded because Western Union says they will replace stolen money orders. They had me fill out more paperwork. I also provided them with a police report. They refunded XXXX of the money orders, but told me they could not refund the other because the Bank of First Deposit ( XXXX ) did not respond to their claim request that they submitted on my behalf and so they will not take any further action.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Medical) with Louisiana Recovery Services Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: LRS continues to call me, insult me, and harass me multiple times a day. Not only did I pay the debt on XXXX/XXXX/2016, but XXXX XXXX rescinded the debt after they realized my account was not handled properly. Both XXXX XXXX and myself have repeatedly sent them information sufficient to close the account, yet they are still trying to collect and continue to reinstate the collection on my credit reports every time each bureau removes it due to my filing a complaint with sufficient evidence to remove same.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FM).
Issue: Loan modification,collection,foreclosure

Complaint: I was behind on my mortgage for two years and trying to get my loan motified. 
and yes they lowered the interest to my loan but they put into my org. loan all the back interest, taxes, lawyer fees and all different kinds of fees. 
and XXXX that i owned was {$120000.00}. it jumped to {$140000.00}. 
was in shocked to see that i payed 10 years of my mortgage and now i have to start again from square one. So i asked myself where is the help. you lower the interest but added 10 years more into my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Student loan (Private student loan) with NELNET, INC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I received a screenshot from mother of a letter she opened in the mail stating that they demand payment in full of all principal, interest and any outstanding fees. At the bottom of the letter it says call us to make payment arrangements. I called their customer service and was asked to verify my information with them which o nly 1 of the 3 contact pieces they had were correct. My address seemed to be right in their system yet I have never received any correspondence from them about my student loan. When I called I was told that the letter demanding payment in full was not true and they tried to apologize for that being sent to me and also told me they have no payment arrangement options available except for forbearance ( but only if you are a certain number of days late ) otherwise they have no other ways to assist a borrower with making payments and coming current. So basically the letter I received was not right and they had no way of pulling it up to confirm that with me. I am frustrated because no one in the company knew the differenc e between payment arrangements and forbearance when I tried to go into detail about what could be available to me. I got no help and was told to look at my promissory note ( that i signed in  XXXX  ) and see what options are available to me under that if any are or if my loan defaulted that it would go back to citibank and they would come after me. ( THIS COMPANIES NAME IS   XXXX   XXXX   WHO NOW SERVICES AS OF  XXXX / XXXX / XXXX   XXXX  STUDENT LOANS )

Company response to consumer: Closed with explanation