milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/24/2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (VT).
Issue: Loan servicing, payments, escrow account

Complaint: I was sent an invite to sign up for a 'Bi-Weekly ' mortgage payment plan from SunTrust XXXX Went into a XXXX XXXX Florida office in XXXX 2015, the 'Personal Banker ' had to call the main mortgage office to get more information about the plan because she did not know how this new plan worked. I just received an email letting me know that I owe 2 months mortgage payments simultaneously for the XXXX month, this was never disclosed, also a late fee which needs to be waived. This now looks as though I am late and was told that it would go to credit reports if not paid. I think this is not good business and have asked to stop immediately. I was told to send a written letter in order to stop. I have faxed a letter stating this today, XXXX XXXX, 2015. Had I been properly disclosed to about the 2 months worth of payments to begin, I would have not proceeded. When I made my XXXX call today, I was told that there were 'bugs ' in the new process, 'many complaints coming in ' and ' this is a new process for us, so we are not sure '. I was also told that a 3rd party system handles these types of plans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The credit reporting agency, in spite of the fact that they have stated to the CFPB in response to another complaint that they have removed the incorrect information are in fact still falsely reporting that I have a Chapter XXXX bankruptcy. I never filed a Chapter XXXX bankruptcy. The public record shows one filing for a Chapter XXXX in XX/XX/XXXX that was successfully completed and discharged on XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The collection agency never contacted me via phone call or letter stating this debt was outstanding and would be reported to the credit reporting agencies. It is now reporting as an open collection on my XXXX credit report as of XXXX/XXXX/2016, Because this company did not contact me within the 30 day reporting rules, thus giving me a chance to respond before it was reported to the credit agencies, causing my credit score to drop my credit score XXXX points which now disqualifies me to get a home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with WORLD ACCEPTANCE CORPORATION (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Upon receiving my court summons, I checked the date I was to be in court. The first date given was around the day I was being admitted into the hospital to deliver my child. I contacted the local office and was told to contact the plaintiff 's ( World Finance ) lawyer. I did so, explained the situation, and was given reassurance that a later date would be arranged, at which point I would be notified. That was the last I heard from him or World Finance. Unbeknownst to me, court took place and since I was not present, the judge automatically ruled in the plaintiffs favor. Not only Is that in itself wrong and illegal, I could 've fought the charges. I do n't know whether I would 've gained anything by arguing my side, but I did and do have the right to fight this.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (AZ).
Issue: Trouble during payment process

Complaint: This is an update to my complaint previously submitted. Seterus refuses to send me monthly mortgage statements. It is the law that the servicer must send me monthly mortgage statements. They refuse. Attached is a letter stating they are sending me payment coupons. Sorry, this is not in compliance with the law. I do not care what their policy is, send me the monthly statement! I have a right to know how my money is being applied to the loan and whether it is being done correctly. I have a right to see the impound account and what is being paid out on this loan, along with itemization on the loan balance I do not want a coupon book where the service company is not showing what is going on with this loan. Comply with the law!!! Send me the monthly statements, not a coupon book.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Nationwide Recovery Systems, Ltd (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I rented an office 3 years ago. My contract said I could work daily from virtual office launch area but the truth was they had no place for me to work from. The contract was cancel for wrong disclosure. The account was closed with the manger. Now I am getting the same bill via email from a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid XXXX XXXX Hospital bill on XXXX/XXXX/2016 for the amount of {$7200.00} ( Confirmation Code XXXX ) with XXXX credit card ending in XXXX. Please find attached XXXX letter confirming the reception of this payment. However, for some reason the balance appear unpaid in my credit report. 
Please remove this wrong debt information of my report, since this is affecting my credit score. 
In, advance thank you very much, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: To whom it may concern, From XXXX, I attended XXXX a private college in XXXX no longer in operation. I have XXXX. I have federal and private student loans. My issues today are the private loans serviced by Navient. Recipients of private loans have no legal protection or recourse when attempting to negotiate a more favorable interest or payment plan. We are basically indentured servants to a system that enjoys protections that no other creditor is given. We can not discharge the debt in court. We can not ask for a change in terms or avail ourselves of the same options as Federal loans. There are no suspension of payments or repayment plans based on income or consolidation of multiple loans without a credit check. Navient may state that these options are available but this is not true. What Navient offers are temporary fixes that do nothing to address the real issues, high interest rates, lack of consolidation options, and a willingness to assist in a flexible change of terms so that loans can be paid off in a reasonable length of time.The interest rates charged for my private loans are 12-13 %, variable and not negotiable. The terms are 30 years. The payment has been around {$770.00} a month not counting Federal loans. I have been making payments for almost 7 years and the balance has not changed. I am allowed to ask for a limited number of forbearances ( {$150.00} a request ) but this does not stop the accrual of interest. Navient treats all loans as if they are federal when it suites them, such as grouping Federal and private loans together when setting payment amounts on household income instead of individual. I moved my Federal loans to XXXX to provide leverage when discussing my private loans with Navient. What few rights I have, I have learned to use. My loans are based on my income now, after reiterating these are private loans to the customer service staff. 
I have always paid my student loans. I am now XXXX years old and on Social Security. I see no incentive to continue paying private loans that, in essence, will never be paid off before I die. I have written to XXXX, the Ombudsman at Navient and now this agency. Please level the playing field for private loan users. I stopped taking private loans after 2 years at college when I realized what was happening. There is something wrong when 2 years of private loans have an accrued balance greater than 4 years of Federal loans. The real crime is there is not a thing I can do to pay my loans off and my only option appears to be default. Thank-you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (I do not know) with Credit Service Company, INC (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company continues to call. There are NO emails, or letters to state what the debt is for and they do not say what it is for. Often times I never hear a call, but there is a message straight to voice mail.

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 01-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen loan servicing did not response to my qualified written request for verification of debt over the past year or so I sent countless letters asking for proof of Debt that I indeed Ocwen and should be paying Ocwen loan I loan was with XXXX then Litton loan in XXXX the loan was paid as agreed and then Ocwen out of the blue sent a coupon statement asking me to start paying them. I never got and letter stating the transfer or what happen to my last lender. I ask Ocwen to provide proof of debt and if they did n't have proof to cease collection but if Ocwen had proof I would continue to pay. On XXXX/XXXX/XXXX Ocwen sent me a letter stating they would opt to stop collecting instead of showing me proof. XXXX XXXX I sent another letter asking them to stop reporting to the credit angency Ocwen removed the loan from Transunion but reported to XXXX and XXXX that forclouse processing have started Ocwen is not the note holder and has no right to collect. They also never respond to my letters. They have no legel right to forclouse on my property the loan was already paid as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Bot call at least once an hour and are increasing

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ).
Issue: Managing the loan or lease

Complaint: Back in XXXX 2009, I took out a personal loan with XXXX ( now OneMain Financial ). The term was for 84 months, and while I knew the interest was high ( 29.49 % is insane ), I assumed that the payment schedule that I was given would work to a XXXX balance at the end of the 84 months, at least that was how it was explained to me when I signed the papers. The initial amount was for {$7700.00}, and at the completion of the term, OneMain expects the remaining balance of XXXX, now. XXXX on time payments, with XXXX deferments, of monthly payments of XXXX, I have paid a total of {$16000.00} dollars towards my account, more than double the initial loan. OneMain is predatory and outright extortion. There were several months where as little as {$2.00} or less were applied to the principal. I had no idea that in order to actually pay my loan off I needed to put down triple my monthly payment!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (DE).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: Received a call from what caller id showed as " private number '' on XXXX/XXXX/XXXX at XXXX and a rude woman responded upon answering that she was from XXXX XXXX Credit Card company requesting to receive payment that I had missed. As I had made payment due on XXXX/XXXX/XXXX and just made another payment online that showed I only owed the regular monthly payment, I responded I would pay online as usual. 

She proceeded to state that she was calling from XXXX XXXX that had taken over XXXX XXXX Credit Services and wanted payment over the phone. She proceeded to state that I had made payment over the phone on last payment and stated the last four digits of my debit card and I had made a phone payment. At that point, I responded that I wanted documentation of phone payment as I have proof from their own website that I had all payments online so any phone communication was mistaken. She had also not stated at the beginning of the call that it was recorded or any mini-miranda statement so her attitude and insistence was insulting as her information did not match. As she did not give that information and repeatedly stated she was from XXXX XXXX, I believe their practices and demeanor warranted a complaint especially from my payment history and lack of communication through mail and phone. 

As I do not expect any drastic action, change, or response from them, I wished to have the experience documented via CFPB as well as through my own documentation via email and phone records. Please notify me if there is any action I should pursue or if there is another venue I should take my complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: I Filed a dispute with Experian regarding me being a victim of identity theft, filed a police report, sent them my id, address, info regarding the identity theft ( the items that are fraudulent were circled on my report, they refused to remove said items from my report according to the fair credit reporting act section 605B, instead they send me a letter saying that my request for a block or deleting said items were either made in error or based on material misrepresentation, or I knowingly obtained these said goods or services. All above they determined are false and I demand these items be removed/deleted from my file as section 605B so states.These are fraudulent items that I discovered on my credit file a direct cause of the identity theft I sustained and demand they be removed or I will be forced to file a court action if they are not removed immediately.

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 08/27/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Incorrect information on your report

Complaint: OnXX/XX/XXXX I pulled my credit report and noticed that Ocwen has not closed my mortgage loan even though they received {$130000.00} that paid off the loan completely. I notified them through email on that same day (XX/XX/XXXX ) and they responded on the same day that they received my email. A couple days later I received a letter from them that stated " credit reporting for each month is made by the third ( 3rd ) week of the following month. The loan will be reported accordingly forXX/XX/XXXX in the third ( 3rd ) week ofXX/XX/XXXX ''. Well the third ( 3rd ) week inXX/XX/XXXX has come and gone, and Ocwen has failed to report timely and correct information as they had stated in writing. Please see attached copy for Ocwens response. 
With Ocwen failing to provide true and correct information to the credit bureaus they continue to harm my family financially.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Mortgage (FHA mortgage) with Selene Finance LP (PA).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I had a pipe burst in my house that caused a lot of water damage. My insurance company quickly handled the issue and by the XX/XX/XXXX I had the check for the damage in the amount of {$6700.00}. The check was made to myself and the mortgage company. I contacted my mortgage company on XX/XX/XXXX and asked them the process they said they would send out the appropriate forms and that I would need to send the check and the signed forms back to them. By XX/XX/XXXX I still had not received the forms so I called and they sent them again. On XX/XX/XXXX, I still had not received either set of mailings and called back. Someone faxed me the form to complete. On XX/XX/XXXX, I sent the signed form and loss draft in an express two day envelope with a prepaid one to send back. The check was delivered on XX/XX/XXXX, and I had it back to my house on XX/XX/XXXX. When I opened the envelope I found that the check had been stamped but not endorsed. I contacted them again on XX/XX/XXXX where after about 15 minutes of asking other people they confirmed that I needed to send the check back to them again because it needed to be signed. On XX/XX/XXXX, I sent the check with another prepaid envelope to send back. It was delivered on XX/XX/XXXX, I just called to get the status and they said the " process '' could take until Friday XX/XX/XXXX. They could not give me any other information. I just want to be able to fix the damage in my house.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Credit reporting () with EQUIFAX, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am disputing the XXXX hard inquiries that are on my Equifax credit report. 
The inquiries are from XXXX Bank and they are : XXXX. XXXX XXXX Bank : XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX Bank : XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX Bank : XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX Bank : XXXX ( XXXX XXXX ) I have sent XXXX letters to Equifax to dispute these hard inquiries and they have done nothing yet to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On or about XXXX XXXX, 2017 XXXX issued a refund to a secondary account on this card, the name on that account was XXXX XXXX, in the amount of {$3800.00} with a reference number provided by XXXX of ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit card () with DISCOVER BANK (TX).
Issue: Delinquent account

Complaint: Discover Card is / has charged off my credit card debt. I am in dispute with my mortgage company over a failed refinancing and a failed loan modification. Proceeds from these actions were to be used to pay off my credit card. I am pursuing legal action against my mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 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: Investigation took more than 30 days

Complaint: You have not responded to my requests in the 30 day period which is a clear violation of the FCRA delete the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have a fixed-rate VA loan serviced by Nationstar Mortgage ( XXXX XXXX XXXX XXXX ). I closed on the property XXXX with advisement that my payments, including mortgage and taxes, would be approximately XXXX per month ( per the HUD Statement ). 
Per the FORM XXXX - XXXX Fixed Rate Note - my mortgage payments from the inception to XXXX 2016 has been {$1800.00} per month. 
On XXXX XXXX XXXX, I receive an payment change from Nationstar advising that my monthly mortgage payment would increase as of XXXX XXXX from {$1800.00} to {$3800.00} - an increase of {$1900.00} - due to a " shortfall ''. 
We have a legal agreement with Nationstar via the Form XXXX ; and for them to suddenly increase monthly mortgage in this manner/to this amount is a violation of the consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The address on my report was not mine : XXXX XXXX XXXX XXXX MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Other debt) with Franklin Collection Service, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My identity was stolen. I have never had an account with XXXX and now they sold the debt to a company called Franklin Collection. When the account was established with XXXX I was in prison at the time. I have sent the XXXX and Franklin Collection letters stating my situation and asking them to remove the negative mark off of my credit, but both of the companies fail to do. Im tired of the wild goose chase and the damaging effects this is having on my life. My hands are tied and I was left with no other option but to turn to you guys for help.

Company response to consumer: Closed with explanation