milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-07-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IA).
Issue: Loan servicing, payments, escrow account

Complaint: Nation Star sent a letter dated XX/XX/XXXX saying I needed to show proof of my homeowners insurance and I needed to have my agent show proof that I had insurance, otherwise Nation Star would buy insurance on my behalf. 

I received the escrow bill this week ( dated XXXX/XXXX/15 ) and Nation Star is escrowing, exactly, {$270.00} from my account, which is what I pay XXXX directly! I talked to my insurance agent through XXXX XXXX and she had no idea why that would happen. Nstar then ESCROWED the exact amount I pay to my insurance company and had the audacity to send me a bill stating the amount I already pay would be deducted monthly into my escrow account. 

Nation Star clearly took the info my agent sent them and added it to the escrow account, so that they would be paid. I have always paid through XXXX, so this is very disconcerting that NationStar was hoping I would not catch what they did in order to take more money out of my pocket and in to theirs. 

After being passed to XXXX different people, the woman in the escrow department said it was an error on their part and they should have never charged my account. She said they are starting the process to take the HOI off of the account, but when I kept asking about having something in writing, she only said they would reanalyze my escrow account. 

This is a predatory " debt collector '' as they call themselves on the statements, not a mortgage company. This company is sketchy and engages in predatory practices that are completely shady. I will be calling back to make sure this is completed AND I requested something in writing to state the charge was removed from my escrow and there would be a new analysis. 

While on the phone, I also asked how I can remove my tax escrow and the woman told me it was n't possible to remove the escrow. I told her she was wrong and it was possible. She put me on hold and after a few minutes came back to tell me I could submit a request, which they will most likely deny, but I at least tried and will keep trying because she was clearly withholding information from me on how I can remove the tax escrow. I want Nation Star to give send me the exact steps to have it removed.

Company response to consumer: Closed
Consumer complaint received 03/23/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problems caused by my funds being low

Complaint: The attached letter to the XXXX of the Bank of America gives an actual account of my recent interaction with the bank. The bank should not be allowed to change the terms of my accounts with them at will and charge me fees at will

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit card () with SYNCHRONY FINANCIAL (HI).
Issue: Billing statement

Complaint: I signed up for interest free financing for 18 months. I made all payments on time every month for the minimum payment or more, they prematurely added the {$2000.00} in interest to my approximate {$300.00} balance. Did not allow me to pay the principal, reported me as late, charged me off and in addition to having a lawyer take me to court lowered my available limit to less than  1/4th  of what I had available credit limit with all my Synchrony Bank accounts even if they were in good standing which had no late payments. This is has negatively impacted my life and ability to purchase a home for me and my  XXXX  children.

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 08-06-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me ( please see attached ). 
This has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I requested a credit report online from Experan. They show a false current address. I 'm not sure how to dispute or fix this. 

thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit reporting () with AES/PHEAA (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Late payments are still reporting on all XXXX credit bureaus. These should be reporting as late being my accounts were in deferment. I have contacted FedLoan multiple times, and also the credit bureaus, this needs to be updated as it is reporting very negative on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My issue is with my current mortgage company Ditech. I recently filed a complaint on how I have tried to reach them several times and now I am seriously delinquent with no options for us. They replied to my previous complaint stating they approved me for the HAMP program and that I declined it back in XXXX 2016. I was never approved for that program because if I was I would have taken it. I just would like resolution and to put my delinquent payments at the end of my loan so I can start making payments and start fresh since no one ever returns calls from Ditech and every week I have a new account representative.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (I do not know) with Convergent Resources, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed
Consumer complaint received 04-09-2016 about Debt collection (I do not know) with EXPERT GLOBAL SOLUTIONS, INC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated and unwanted calls. False debt. Calls from XXXX numbers ( XXXX ) XXXX & ( XXXX ) XXXX. They are based in XXXX XXXX listed under EGS Group.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Debt collection (Medical) with Pendrick Capital Partners Holding, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid off a collection item on XX/XX/XXXX. The payment was made online to XXXX. I then received 2 phone calls from Affiliate Asset Solutions , LLC, one on XX/XX/2016 and one after XX/XX/2016 for the same debt. I faxed and emailed them the receipt as proof on XX/XX/2016. I received a letter from this company asking for payment. Letter is dated XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i never had this account i tried to contact the, m but run around. my score is so low because of this .why and i need to do something about this now. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MN).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: This mortgage is not and was not late since the bankruptcy filing date of XX/XX/13 as all payments were paid as agreed via the trustee and not 30 days late since

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with WORLD ACCEPTANCE CORPORATION (OK).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: World Acceptance keeps hitting my credit report from PAID OFF loans from XXXX. I am trying to get my credit cleaned up and this is not helping my score. I want them to stop reporting old information on me. I called their cooperate office and left a voice mail and got no response. I waited about three weeks before calling the local branch here in XXXX OK where I was told someone would get back with me but I have yet to hear back from them. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I received these balance transfer checks XX/XX/XXXX by XX/XX/XXXX I made a balance transfer the offer was 0 % APR for 12 months with 3 % transfer fee well I paid of the balance today XX/XX/XXXX way before the 12 month period and they charged me interested for The time until they receive the fund. 
This is pure XXXX off credit cards becomes thief by the second and you Cfpb shouldnt come up with heafty consequences for these credit cards Their representative trained to make these redicilous charge do ok and ledgenmdbt not good

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Debt collection (Payday loan) with EZCORP, INC. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I get calls from different people stating to call the plantiff. They have called my ex mother in law XXXX times stating they are looking for me to take me to jail. the latest they called my home and said they were going to my job between XXXX and XXXX yesterday. Stating I could call the attorney at XXXX to stop it. They have also called my elderly sick parent stating the same. They are calling for XXXX XXXX ( My former married name )

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Problems caused by my funds being low

Complaint: In close succession, XXXX ACH debits hit my HSBC checking account. The XXXX ( on XXXX/XXXX/15 ) exceeded the balance of my account and was thus not paid ( reasonably so ). There were sufficient funds for the XXXX transaction ( on XXXX/XXXX/15 ), however, HSBC also did not make payment on this XXXX transaction because they had temporarily removed the funds from my account from the XXXX ( XXXX ) debit resulting in a negative balance even though they did not make payment on that debit. This temporary reduction of my balance not only led to to a legitimate debit going unpaid but also allowed HSBC to charge additional fees in a predatory manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/30/2016 about Consumer Loan (Vehicle lease) with YKS Acceptance, Inc. (CO).
Issue: Shopping for a loan or lease

Complaint: i was forced into buying a car i didnt want .herbies told me because of my credit i had to get this car and a week later the engine went out. I only bought the car because they said it was a buy here pay here plan and i also feel like i payed too much for this vehicle the car i bought is valued at XXXX and i payed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (KY).
Issue: Settlement process and costs

Complaint: In XX/XX/XXXX, I experienced financial difficulty and received foreclosure notice on property. In XX/XX/XXXX, I was contacted by Litton Loan Servicing saying that the propery was now " charged off '' and that I would need to settle the balance. I sent them {$7000.00} to settle. I continued to contact them and eventually received a message that they were now Ocwen Loan. I informed Ocwen of the settlement and they said they were not aware of anything. I continued to call Ocwen multiple times to research the incident. They would not. Finally, I negotiated with Ocwen another pay off for the same house that was foreclosed on, short saled, etc. They agreed to show paid in full ( see attaced ). They are still misreporting at all XXXX bureaus despite multiple attempts. This is causing me after 8 years to still cost extra money with interest rates and failure to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Loan Owner : : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX Series I am repeatedly denied requests for loan modification by Loan servicers due to language in the PSA 'Loan owner does not authorize loan modifications ' Loan owner XXXX backed XXXX , XXXX XXXX XXXX XXXX for XXXX Mortgage pass through certificates '. All historical and current servicers ( XXXX, XXXX, XXXX and SPS ) of my mortgage that originated in XXXX by XXXX indicate the same. None of these servicers have contacated XXXX XXXX backed XXXX on my behalf requesting a waiver allowing me to modify my mortgage. When i contact XXXX XXXX, XXXX as the 'trustee ' they indicate that they do not have the authority to provide permission to modify my loan and refer my back to the service. the servicers will not provide me with contact telephone number nor contact name at XXXX XXXX backed XXXX so that I can reach out on my own behalf. the last filing of XXXX XXXX backed XXXX XXXX was in XXXX with the SEC. I have been informed by historical servicer that my loan was not propoerly securitized and that there is evidence of fruad. XXXX XXXX backed XXXX is a subsiduary of XXXX. My current servicer is Select Portfolio Services ( SPS ). My loan note and mortgage still indicate that XXXX as the originator from XXXX even though XXXX ( aka XXXX ) is no longer in business. XXXX and XXXX were purchased by XXXX. XXXX was dismissed as servicer by XXXX XXXX, XXXX in XXXX at which point i was tranbferred to SPS. Loan # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: For the past two months I have requested that all 3 credit reporting agencies address and correct multiple errors on my credit report. However, once their investigation is complete they do n't fix nor remove anything but instead stare they have updated my account information with each debt collector I inquired about. Sixteen negative remarks are from the Department of Education and XXXX  ( both student loan lenders ). These two debt collectors have multiple listings of the same account number and loan. I found that one account is reported four separate times. The credit reporting agencies are maliciously and intentionally allowing the lenders to falsify my credit report. I know this to be true because each debt shows up repeatedly. Moreover, the creditors have multiple accounts listed as : each debt collectors name, account number, initial balance owed, listing date, and have N/A reported for current amount owed, monthly payment applied, etc. Also, the credit reporting agencies have inaccurate addresses listed, phone numbers, valid prior addresses have been deleted or removed and they also have two negative remarks that are medical debt. The medical collections are also counting against my credit report and score. Please advise

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 02/27/2018 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: While enrolled at XXXX XXXX University, my student loan was incorrectly accelerated so that my payments became due. As a result, my credit report shows that I have 6 missed payments despite being current on all other payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My capital one credit card went missing and a few unauthorized charges totaling around {$1800.00}. I followed the necessary procedures to file a fraud claim and was denied {$1100.00} of the charges stating there are " no indications of fraud. '' This has been a sham with capital one since the day I reported this and I can not get anyone to help. I 've left numerous voicemails with no return calls and a certified appeal letter that has also gone ignored.. These XXXX particular charges that they are denying are from the same merchant and state that items were shipped to my address, but yet can not provide a tracking number not a delivery service in which I can follow up with. In addition, capital one stopped short of calling my family thieves and indicated that someone in my household must of made this transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/14/2015 about Debt collection (I do not know) with Suburban Credit Corporation (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Me and my girlfriend are in the process of buying a house. I noticed on my credit report that there was a debt for XXXX dollars from 2010 from Suburban credit corporation. I tried having this debt removed for years but they refused, so I just gave up trying. My girlfriend called ( which I 'm not sure is even legal, without getting permission from me ) to have this debt removed, they stated to her " you have XXXX debts, XXXX for XXXX to XXXX and XXXX to XXXX @ XXXX XXXX. My girlfriend stated " that this debt is not ours but she will pay it so it can be removed off my credit report '', they stated they " would remove the debt that is not mine if she paid the balance ''. So she did, they sent us a reciept, and we waited for it to be removed. 
In the process of waiting, 10 days go by and we received another bill from the same company stating we owe MORE money, now we owe XXXX to XXXX, XXXX XXXX, and XXXX XXXX. I thought it was a mistake. So she calls them and they explain they were very exact with the " wording '' of what they were stating, they stated 'they only told us what we owed on the credit report not the total we owed, and they never said they would remove it, we just asked if they could, and they said yes, they would take care of it '', they took care of it by marking it paid and thats not what they explained at all. and then they threatened to put the new debt collections on the credit report if we did not pay them. Which is not mine to begin with I know that debts are to come off after 7 years and unless they were removed, there would be no point in paying Suburban credit and re-ging the debt that is not mine in the first place, when clearly it has to come off in 1 year anyway, and clearly my girlfriend did not know this, she thought she was doing the right thing. 
I dont know if this is legal or not but I know that we were lied to and then they threaten us with another debt so they can make more money off the people you clearly lied to is not right, and I plan on taking them to court over this matter.

Company response to consumer: Closed
Consumer complaint received 03/20/2018 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (NC).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I contacted them re my property taxes for XXXX which had not been paid and were delinquent. I was told to send them a copy of the bill which I emailed to them that day. I was told the taxes would be paid on XX/XX/XXXX. As of this date XX/XX/XXXX they have still not been paid. I have called them numerous times, the last time on Friday, XX/XX/XXXX, and was told they would overnight the payment. A check this morning with the XXXX XXXX tax office shows that payment has not been received. The amount for the taxes is in my escrow account and has been since XX/XX/XXXX when I closed on the property. 
I was on hold the last time for an hour and was assured that the taxes would be paid promptly. I am told the same thing every time I call, but no payment has been made.

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 09-02-2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: I currently have a little lone w/Wilshire Consumer Credit for the amount of {$6900.00} on a XXXX Kia Sportage. I fell behind on two payments and on Tuesday, XX/XX/XXXX my car was repossessed. On Wednesday, XX/XX/XXXX at XXXX, I made a payment via XXXX in the amount of {$1400.00}. Upon making the transaction. I called Wilshire to advised them of the payment and gave them reference number. They confirmed receipt of the payment. I was advised that the release of the account/car can take between 24-48hrs. I have been calling them almost every 3hrs/day to inquire status of the release. They keep telling me it 's till pending. As of this morning at XXXX the release is still pending. It 's now been longer than the 48hrs. They keep telling to call back. I left a VM message for a " supervisor '' and no one has returned my call.

Company response to consumer: Closed with explanation