milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (CA).
Issue: Trouble during payment process

Complaint: I purchased my home, in XXXX XXXX, CA, on XX/XX/XXXX, with a loan from XXXX XXXX XXXX XXXX. My monthly mortgage payment ( including Insurance and property taxes ) was a little over {$2600.00}. I was informed that XXXX XXXX had taken over the mortgage and that their Mortgage Administrators would be XXXX XXXX XXXX XXXX XXXX. After 6 months of paying the mortgage I was contacted by XXXX and was told that I would be able to re-finance with them and would be able to lower my monthly payments ( lower interest rate ) and would cost me nothing as there would be no costs involved. Being somewhat skeptical, I asked what was in this for XXXX? and was told that I had likely been inundated with offers to re-finance with other companies because the 6 months was up and it showed a good payment history. That was correct ; I had been inundated with these offers. I was told by the Rep from XXXX that basically what was in it for XXXX was that they would be retaining me as a customer, and that is the reason why they would be able to lower the interest rate and therefore the overall mortgage. I re-financed with XXXX and my monthly loan amount was reduced to a little over {$2200.00} a month. XXXX, then transferred my loan to Loan Care, LLC and I started paying them my monthly mortgage on XX/XX/XXXX. In XX/XX/XXXX, Loan Care informed me that there wasnt enough money in the Escrow account to pay the PMI, insurance and taxes and that my mortgage would need to increase by {$400.00} a month to {$2600.00} as of XX/XX/XXXX. This confused me as, I remembered that there was over {$4000.00} in the Escrow account when I refinanced through XXXX and when I asked what would happen to that money I was told it would roll-over to the Escrow for the new Mortgage. Clearly this did not happen. On XX/XX/XXXX, I received a check from XXXX for {$290.00} and was told in the letter that this was the remainder left after the mortgage was paid off. This confused me even more. I called Loan Care, LLC and asked about the increase to the mortgage and was informed that the reason it increased was because property taxes had gone up in XXXX County. I called the XXXX County Assessors Office and they said my taxes had only gone up by less than 2 % ( {$100.00} approximately for the year ). Again this did not make sense. I feel like have been a victim of some elaborate mortgage transfer scheme whereby I have been conned into believing that my mortgage would be reduced through interest % reduction, only to have the payments upped after the mortgage was transferred to another company. This, to me, is totally unacceptable and unethical, and I would like you to investigate this matter on my behalf, if possible.

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 03/24/2017 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Making/receiving payments, sending money

Complaint: Naval Federal Credit union fail to pay bill as though their bill pay service as agreed resorting in my credit going bad they told me they was going to depute the reporting to each reporting company and did not also was to send me a copy of what they did and have not done so this was done to hurt my credit and then refused to help resolve the issue they made and lied about it which is why they did it intentionally They resent me letters to send to the bill of company 's they did n't pay instead they need to send them to company 's them self instead of sending them to me They need to fit this mess, the y told me they had sent a letter to the report company 's and did not, the left my account as if payments were being made instead my bills became slate and late fees was charged they claim it was due to fraud activity in my account but some the bills was paid and some was not if was do to fraud activity why was some bill was paid and some was not, the money has left my account so where did it go I have asked the question before to date no answer. They lied about what happen and did nothing to fix it and lied about the cause, I want to know where my money went. And they correct my credit I get approve for nothing the refer to the late payments caused by Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX, I entered an agreement with XXXX in Minnesota following a stipulation and Confession of Judgement dated XX/XX/XXXX. I was supposed to make 9 payments total of XXXX each and I made the payments religiously until the last two payments when the creditors contacted us to say that they have severed relationship with XXXX XXXX and we should send subsequent payments to another collection agency, FIA Card Services. They gave us the new information. I completed the remaining two payments with FIA Card Services XX/XX/XXXX. To my greatest dismay, XXXX XXXX filed a judgement again me in XXXX County District Court on XX/XX/XXXX, claiming that I did not complete payment. I immediately responded with evidence of having paid the account in full, which I sent via certified mail. They received it because I received confirmation to that effect. Not hearing from them after sending the documents, I followed with several phone calls that they never returned. Now the judgement is still effective and all attempts to reach XXXX XXXX to withdraw the judgement have failed. It may interest you to know also that whenever I called and gave them the last XXXX digits of my social, another person 's name pops up. At one time, they said that the account did not exist and transferred me to a voice message that never got back to me. 

I have had several problems with this agency. When Bank of America severed relationship with them, I was told that it was due to some inappropriate business practices. I also feel that they are trying to stick someone else 's debt on me but it backfired due to their negligence and lack of organization. It may also very well be a malicious act on their part. 

What is even more upsetting is that they file frivolous lawsuits to get people to succumb due to lack of representation or resources. They also never send any notice of any filing or notice of summon, and just surprise people with a judgement against them. They have tried to remove funds from my account at XXXX time, claiming that my husband owed them and that too backfired, because they could not prove that my husband was on the account, and they tried as much as possible to transfer whatever they are claiming he owes them to me. This is a constant harassment from this agency and I crave your indulgence in this matter. I need justice! Thank you.

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 02-06-2017 about Debt collection (Medical) with ONLINE Information Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Account has not been verified by contract on signature.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX I started the process of a loan modification. I was assigned a Case Mgr to ensure that all documents were signed and received in a timely manner. In XXXX XXXX, I was advised that the modification was declined and they stated that " They could not prove my residency ''. I was very confused as to why they declined for the reason, so I sent a letter providing proof of my residency, 6 months of bank statements etc. So the process for the loan modification started over again or so I thought. Bank Of America has stopped responding to me, I 've submitted letters ( I have proof of the letter ) and I have also contacted the investor HUD to ask for assistance. We are not getting anywhere at all. I really need HELP. My husband is a XXXX American Veteran we really need help. Bank of America 's connection history is not great .. I really need help. Apparently Bank Of America realized that bank in XXXX they made an error in recording my previous modification with my county recorders office and Bank of America has placed a stop to my modification process because due to their error. I do n't feel its fair to me because they made a mistake.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Rewards

Complaint: I signed up and was approved for an Amex Platinum card with a XXXX sign up bonus through a link from The Points Guy ( An Amex affiliate ). I met the minimum spend, and received the points. Over a month after earning them, the points have been reversed off my account without an explanation as to why, or a resolution. I have called several times.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (I do not know) with Gatestone & Co. International Inc. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: There was n't a category that matched this and it 's more I 'm considering legal action. 

I have been trying to contact Gatestone about a debt I have that got transferred to them. The numbers provided go to voicemail only and voicemails do not get answered. I checked my credit report and the account with the original debtor is showing that I have n't paid since 2013, but I have been making regular payments. I also need them to acknowledge that this is the last month for a payment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with ACE CASH EXPRESS, INC. (TN).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: On XX/XX/XXXX I filed a bankruptcy. On XX/XX/XXXX a fraud security alert had been added to my credit report without my knowledge. All I show on the credit report is the number security ID number, it is XXXX. It does n't show the name Of The security company. It may belong to XXXX. It reads Alerts & Validations. The spelling of my names before this last name change made by me with Probate Court. My last employer EIN number is XXXX XXXX XXXX XXXX. The last tax return I filed was in XX/XX/XXXX. It was an annuity, I had no income, everything was being taken from me. I filed {$19000.00} taxable income was {$9400.00}, exemption amount {$4000.00}, tenative tax {$950.00}. Tax withheld {$2700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (MN).
Issue: Problem with customer service

Complaint: Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.
They should begin to rectify this heinous breach by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident, regardless of their " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
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 open opened this account XXXX/XXXX/XXXX while I was in the store checkout and the cashier stated she could get me approved for a credit card. I told her no several times but she insisted and I felt coerced into giving her my drivers license upon which she said it would not run against my credit. It would only be a soft pull she just wanted my ID to type in the name and my drivers license number. Well upon a pull of my credit report the hard pull was on my account! The instant approval and she put the items on the card, which was {$60.00}. I did n't get a statement that month of course because it was the end of the month and so I did n't receive a statement. I took it upon myself to go into the store and make a payment on my own XXXX/XXXX/XXXX for {$30.00} XXXX {$27.00} scheduled payment ) then on XXXX/XXXX/XXXX paid {$38.00} XXXX which would have paid off the entire debt ). I .. all payments were reported as paid. Until XXXX stating I was 30 days late, which is not true. 
On or about XXXX/XXXX/XXXX I called your customer service number to discuss this matter with no resolution, then again on XXXX/XXXX/XXXX when I spoke with XXXX who assisted me with obtaining the information to follow up to correct this error. I was assured it would be handled but when I disputed the entry on my credit report it said you verified the information to be accurate. If you look at the account you will see the reversal of late charges and my account is now also current and has a credited balance. 
Please make this correction so that it will not continue to adversely affect my family and me. This oversight and error has cost me harm and credit denial. This needs to be rectified immediately. I was told the account was to be paid on XXXX/XXXX/XXXX and payment was not credited until XXXX though I received not payment for the month due to paying more. THAT IS NOT 30 DAYS late.. These erroneous late fees which have been reversed due to this error is what would have been late because I no longer owed money for any merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen send me a notice that i need to send {$1200.00} for escrow which I did to keep my payment at XXXX per month, then they sent me a new payment of XXXX per month when i asked them way the increase they had no answer. This is my second time filing against this company, why they are still alowed to contunie in business I call XXXX in XXXX to bring this company

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed several times several public records listed on my personal credit file with Equifax. There are inaccurate remarks and even duplication 's. I ca n't get anywhere with this agency. Please help as they are listing # XXXX tax lien for {$80000.00}, # XXXX tax lien again for {$80000.00}, # XXXX {$1700.00} and # XXXX tax lien XXXX I do not owe any tax liens and these are a mistakes listed. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In mid XXXX 2017, I filed a written dispute with XXXX, Equifax, and XXXX to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I used to have XXXX as my mortgage. Then my account was sold to Carrington mortgage company XXXX this year. I used to have XXXX bank account from which XXXX drafted my mortgage payment every month. Carrington drafted the mortgage money in XXXX from the XXXX account. However, I close the XXXX account because I do not need another bank account. Then I sent the check to the Carrington in XXXX which was accepted. 
Next month, I send the check amount of {$1100.00} on XXXX/XXXX/15 which is returned. The reason was I closed the XXXX account. They demand to send certified check, which I did. They accepted this payment. 
I wanted Carrington to draft the morgage money from my bank account. They said " no '', with no particular reason to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Debt collection (Credit card) with CITIBANK, N.A. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I came to an agreement with the collection company on settling my debt. After receiving an offer letter and fully paid letter from the collection company, I still have not received any communication from the original debtor, which in this case is Citibank. It has been over 2 months since the debt was " settled ''.

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 04-02-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Settlement process and costs

Complaint: In XXXX of 2014 my real estate agent ( XXXX ) submitted a contract on my behalf for a short sale home owned by Chase Banking. After 6 months of continuous waiting and no status updates ( approx. XXXX XXXX, 2015 ) Chase finally acknowledged the contract and countered the original offer - we agreed. Finally, ( we thought XXXX things were on its way to being finalized. From there, the inspection was done- serious issues were addressed and being handled. That, in itself, took a little more time than we cognized and was eventually rectified. Next, the appraisal was done- it came back fine- with minor improvements to be done. After roughly 1 1/2 months of negotiating, my bank could now get my financing finalized ( I was preapproved for a {$7500.00} downpayment and closing cost grant ). I was also receiving an FHA loan and my paperwork could not be fully processed until all the repairs were improvised and/or rectified. While waiting to hear back from the grant approval team, we received an email from the seller 's agent ( approx. XXXX XXXX ) stating " Chase has officially denied the contract '' with no warning, extension or any explanation. My banker, the seller 's agent and my real estate agent were completely and utterly in shock by this unforseen action. The seller 's agent along with my banker sent a slew of emails with evidenced data regarding my full approval -but we never heard anything from them. This was a spontaneous act that hindered, interferred and just simply hurt my families progress and well- being, with no " JUSTIFICATION ''. I have XXXX young children and I had already put in my 30 day notice to move out of my townhome. I had an inspection ( {$380.00} ) and appraisal ( {$470.00} ) done on the property prior to this happening. I was genuinely interested in the home and did everything that was in my power to get things done in a timely manner. However, they had my team waiting for 6 months before they even touched my contract but they could n't wait a few weeks for my official process to be completed. If anything, they could have explained their rational behind their actions. I could not have just exited the contract without reasoning in the middle of it. The bottom line is ; I felt like I was bullied and mistreated unfairly because I was purchasing a home that was priced below market value and I was an assumed indigent. I 've called and spoken to XXXX XXXX at Chase Executive office. After playing phone tag for several days, she ambiguously explained to me that ; she could not give me any information regarding the account because I was not the primary account holder- which I understood. Which, she knew that I did not have an account with them, I explained that to her in my at length email that she received. The bottom line is ; the whole entire ordeal was bias and unethical and I felt discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 am a victim of identity theft, I have filed a police report/Sworn affidavit and have submitted this information to the three major credit bureaus as part of my dispute to show that I am not responsible for the debt that is reflecting on my credit report and dispute after dispute the credit bureaus come back with the same findings, saying they have confirmed and verified the information.

For example, I have two public records showing on my credit record as belonging to me, I State Tax Lien for the XXXX Of XXXX. 

The first record/State Tax lien is for {$12000.00}, the Second Tax lien is for {$51000.00}, according to the credit reports these items were filed on XX/XX/XXXX and XX/XX/XXXX respectively. But again I have proof these items don't belong to me and have submitted proof and documentation. 

I need help in clearing this items from my record because they don't belong to me, I am not sure how the credit report bureaus are verifying this information.

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