milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2017 about Mortgage (Conventional fixed mortgage) with BANKUNITED, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We purchased our house located  XXXX   XXXX , Texas on   XXXX   XXXX  . The loan was initially with   XXXX   XXXX   XXXX   and then with   XXXX   XXXX  , and then was transferred to  BankUnited on     XXXX   XXXX   XXXX  . Shortly after that, the  Insurance Dept. fro m  BankUnited infor med that our property needs a flood insurance. We sent them  two mail s on   XXXX   XXXX  ,  XXXX  to explain that we had a  Survey from house builde r,  XXXX   XXXX , showing that the house is not on the flood zone. In those mails, a certified SFHDF ( Standard Flood Hazard Determination ),  FEMA Fo rm  XXXX , dated on  X/XX/XXXX , which we submitted to  XXXX  at loan application, was also included to show that the house is marked as zone " X '' on the Flood Map and require no flood insurance. The answer from  BankUnited t hen questioned that the SFHDF we provided was issued on   XXXX  , few months before   XXXX   XXXX  , and so might be out of dated. To respond to their and our questions, we requested for another  XXXX , dated on   XXXX  , again showing our house is on zone " X '' and needs no flood insurance. Meantime, we also contacted    XXXX   XXXX   Floodplain Dept. Manager,    XXXX   XXXX  to clarify. He sent us an email with proof, maps to show us the house is actually on zone "  X '' .. On   XXXX   XXXX  , we  sent them another mail and provided all these findings and proof. Since then, no words from  XXXX . Until, end of   XXXX   XXXX  , when we received the annual Escrow Account  Disclosure Statement, w e surprisedly found that {$1600.00} was charged for flood insurance payment. We called  XXXX   XXXX ,  manager of Insurance Dept., BankUnited, to disc uss the case and request them to reimburse the mischarged {$1600.00} back to our escrow account. She said they will do some investigation about the case. Since then, weeks after that, we called her twice a day to follow up. The answer from the  Dept. has bee n always " She is not available and no one else can be responsible for the case. '' We have no other way to do but file this complaint to pursue a justice and our {$1600.00} back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Debt collection (Medical) with EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX XXXX, works for evergreen profession recoveries. she is extremely rude, diarespectful, and deceitful. on numerous occasions I have attempted to resolve my payments by establishing a monthly payment that is possible for me, but if she does not like it, she makes threats about taking me to court and garnishing wages from my job. what I mean, is a different employee had offered me a certain amount to be paid per month and that was the best he could do, and the next hour she said changed it to a different amount. she went from saying XXXX a month to XXXX a month after 2 payments of XXXX. After telling her that was not feasible, she said " you know what, just throw everything to the trash. I 'm not doing anything for you. I will just garnish ur checks ''. bottom line is she is rude and disrespectful. and constantly makes threats and has no intentions of working with me when I am making an effort to pay them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with M&T BANK CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My mortgage company has held/stolen {$89000.00} from me since 2013 and has failed to ever report this lump sum which was an overpayment of what was my principal balance. I am due a refund on the overpayment, I have tried numerous times to resolve this and they continue to lie and get away with it. My credit has suffered and I have experienced emotional distress. Four years is too long. Their attorneys have my money listed as a suspense amount, and even with that error-they at least have a better account of my not owing the fraudulent amount M & T Bank continues to report. I do n't owe them a dime, they owe me money and have gotten away with many violations of Dodd Frank/RESPA Acts including : pyramiding late fees, force placed insurance costs on vacant land that requires non, escrow mismanagement, misapplied payments and it goes on ...

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 04-11-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX we bought a new vehicle from a car dealership whom bought the previous vehicle financed by XXXX XXXX XXXX. The dealership sent the total payoff to XXXX XXXX XXXX before the 30 day mark. We noticed the inaccuracy immediately and informed this credit bureau. The creditor stated that they do not see where they reported it this way. XXXX instantly took it off after contacting the creditor. 

This CRA sent us investigation results stating that they verified the status. How is this possible? On my credit report ( which is attached ) under the STATUS it is reporting LATE and 30 days past due. This CRA is reporting inaccurate information and lying to consumers to save money by not fully doing their job to investigate inaccurate information for consumers. 

This inaccuracy is keeping us from getting approved for a new home and causing us financial damage and emotion duress. 

Please help us take action against this company, thank you for publishing tips on hiring legal counsel to help file a lawsuit. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Debt collection (I do not know) with ConServe (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: After checking my credit report on XX/XX/XXXX I noticed that there was an open collection with Conserve that was reported sinceXX/XX/XXXX. I 've never had any communication with this company and there was never any communication notices made to me from this company to notify me that they were attempting to collect money from me. They have violated my consumer rights under the Fair Credit Reporting Act. 

Withholding Notices You are entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might occur when : a creditor fails to notify you when it supplies negative credit information to a CRA a creditor fails to notify you of your right to dispute inaccurate credit information I would like to file a complaint to have this reporting deleted from my credit report and I would like to have this company blocked from future reporting of this account. This company has performed unethical business practices

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Other debt) with ERC (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Received letter From ERC dated XXXX XXXX XXXX that is attached. Half way down the page you see the letter states " Unless you dispute the validity of the debt, or any portion thereof, within 30 days after your receipt of this notice, the debt will be assumed to be valid by us ''. However on XXXX XXXX XXXX only 6 days after receiving this letter ERC reported to all XXXX Credit Bureau 's as a valid debt instead of allowing me the 30 days. I believe that ERC violated my consumer right 's afforded me in the Fair Credit Reporting Act.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted Transunion about deleting negative inquiries reporting on my credit report that I did not authorize. Their customer service would not help me.

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 07-05-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Struggling to pay mortgage

Complaint: during the first 4 months of this year i fell ill and was forced to retire from my job and start collecting ss so in essence i had reduced income during this period while waiting for the ss to kick in unable to make mortgage pmts because of change in my income repeatedly denied a loan modification stating no change in finacial position

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I paid Barclays Bank back on XXXX/16 I tried to get an unsecured loan for a home and was denied not because of credit but because this item is still showing up on my report as not having been paid and that is not true. I have paid this item I owe a XXXX bal

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 01/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have disputed with Transunion to immediately remove and delete negatives collections on my credit reports and Remove and Delete the " Fraud Alert '' .Also Transunion are allowing unauthorize collections and many unauthorized hard inquiries and inquiries. 
Transunion and credit debtors collections can not attempt to collect any debts collections because l am on XXXX XXXX XXXX and Retired. 
Transunion is allowing collections and credit companies report collections on my Transunion credit report and also allowing collection and credit companies pull my credit without my written consent. 
Transunion.XXXX and XXXX are violating my XXXX XXXX Act Civil Rights Laws. 
On my Transunion there is over XXXX or more unauthorized hard pulls inquiries and inquiries that is affecting my credit scores. 
Also Transunion needs to remove and permanent Delete a Fraud alert on my credit Report immediately. 
I have requested by phone conversations from my cell phone number XXXX and Transunion Rep stated they remove it but when l checked my credit online, the Fraud Alert is still on my Transunion XXXX and XXXX. 
I requested written confirmation by emai and regular Postal Post office mail and l still have n't receive Fraud Alert deletions from my credit report. 
I am a Military Veteran. 
This is a Urgent Matters. 
My credit scores are suffering because Transunion XXXX and XXXX are allowing unauthorized hard inquiries and inquiries and collections on my credit reports. 
As of XX/XX/2016 my Credit scores with Transunion.XXXX and XXXX is around the XXXX mark. 
Consumer Financial Protection Agency can pull my credit and view all the issues on my credit reports with Transunion XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Issue with Navient Student Loans - I refinanced my mortgage and closed XXXX XXXX, 2016. The escrow company sent checks to pay off my wife 's student loans. Navient cashed XXXX check, lost the XXXX one, and we found out a month later they did n't credit any of the monies against her account. But we had to call to have them send back the money they kept. 

We 've called like 10 times, spoken to supervisors, been sent to other departments, etc. 

Navient then returned some funds, so we sent XXXX more checks XX/XX/XXXX to clear the account. They cashed the checks but did not credit the accounts for the monies they 've received. My wife 's account then went into default, so we did a forbearance. 

A month later they said they sent out the checks to escrow. Three weeks later we called again and they said no they had n't sent the checks but were sending them out. Then weeks went by, no checks, and they said they still had n't sent them out, but they would. 

Now it 's XX/XX/XXXX, no checks, they said they sent the checks out again and no one has seen the checks. 

We just want them to take the money they have of ours and credit her account, credit her with the interest they 've overcharged her while they had her money, and be done with this and Navient! 

XXXX XXXX XXXX wife XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Debt collection (Credit card) with DISCOVER BANK (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I HAD DISCOVER CREDIT CARD I MISSED FEW PAYMENTS AND THEY CLOSED THE ACOOUNT BUT AFTER THAT I HAVE BEEN PAYING THEM EVERY MONTH FOR OVER A YEAR. MY FINANCIAL POSITION GOT LITTLE BAD AT START OF THIS YEAR SO I COULD NOT PAY THEM IN XXXX 2016 .SINCE THEN THEY BEEN CALLING ME A LOT. SOMEDAYS THEY WILL CALL LIKE 4-5 TIMES A DAY .I HAVE BEEN DEPRESSED SO SOMETIMES I DONT FEEL LIKE ANSWERING PHONE BUT STILL THEY WILL BE CALLING AGAIN N AGAIN. LAST WEEK I CALLED THEM AND TOLD THEM THAT I AM NOT ABLE TO PAY NOW BUT WHEN I AM LITTLE BETTER ON MY MONEY I WILL CALL THEM AND PAY WHATEVER I CAN. I SPECIFICALLY TOLD THEM NOT TO CALL ME BUT THEY ARE STILL CALLING ME. WHAT SHOULD I DO?. ITS FRUSTRATING AND DEPRESSING ABOUT ALL THESE CALLS WHEN I AM ALREADY HAVING HARD TIME. CAN PLEASE GUIDE ME WHAT SHOULD I DO?. THANKS A LOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2017 about Vehicle loan or lease (Loan) with Larry H. Miller Group of Companies (ID).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I asked for my payments to be lowered and was told that they do n't refinance. I have n't been involved with the co-signer for three years and they have told me that there was no way to remove him from the contract. I make all the payments by myself. The total price of the vehicle is suppose to be {$14000.00}. The total with interest is suppose to be {$30000.00}. I have paid up to XX/XX/2017 a  total of {$21000.00} by my best calculations. I 've been told by XXXX XXXX XXXX which is located in XXXX Utah that I have a balance of {$9300.00} this seems wrong in more ways then one. I feel I 'm being ripped off with this high interest and would like to know if CFPB can tell me if this whole transaction has been legal. If it is then I really need help getting my payments lowered and the interest down if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Mortgage (Conventional home mortgage) with Stearns Ventures, LLC (PA).
Issue: Trouble during payment process

Complaint: We have had a bad experience ( sinceXX/XX/XXXX ) with Stearns making sure our taxes are paid on time with our escrow funds. It has been very hectic and stressful following up with Stearns as many times as we have, trying to get the situation resolved. It started in XX/XX/XXXX when we were mailed a surplus escrow check that was over {$5000.00}. We immediately knew something was wrong and called customer service. The agent we spoke with ensured us that the check was correct, stating all of our three tax bills for the year had been paid. We cashed the check but knew the situation was not correct. In XX/XX/XXXX, it was brought to our attention that we had a large tax bill that was so past due, it was in the penalty phase. We contacted Stearns right away, asking that the bill be paid as soon as possible. Customer service asked us to submit a copy of the bill and we did so. We gave Stearns some time to review the bill and pay it. By this time, we were into XX/XX/XXXX and the bill still hadnt been paid. We became concerned the bill wasnt going to be paid before XX/XX/XXXX, when the bill would have gone to collections. So, we ended up paying the tax bill out of our own pocket, using the money from the escrow surplus check we received. In addition to this, we had to pay for all of the penalties that were associated with the bill. In addition to this, there was another tax bill that Stearns failed to pay. It was a much smaller bill, but it was also late and had late fees associated with it. I also paid for this bill out of pocket. This was an interim tax bill that Stearns claims they arent responsible for paying. However, I have spoken to agents at the tax office who said that IT IS Stearns responsibility to pay interim tax bills. The total for the penalties alone, between the two bills, was around {$800.00}. To date, XX/XX/XXXX, I have been trying relentlessly to get these penalties refunded to me. So far, not a single customer service agent has been able to explain to me why these tax bills werent paid on time. I have called Customer Service numerous times and continuously get the run around agents promising to call me back with follow up information, or saying they will have their supervisor call me and even saying the tax department will reach out to me to get the situation resolved. Im at my wits end and dont know what else to do. Im fed up with the whole process and lack of communication that Stearns has provided me with.

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 09/19/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Please help us. I have a Walmart Credit Card. I opened it because I had no money and I am in wheelchair and no one wants to hire me. I needed computer to try to find a job. So two years ago I got a Walmart Card and I bought a Laptop for over {$1000.00} from Walmart. I got cheated and the computer broke three months after that and I am still paying for that computer. 

The Walmart Card is from Synchrony Bank. For two years I paid the bill on time and never late. Most often they do not even send you a bill, but I still remembered and paid it. 

Now, I live in XXXX, we had the Hurricane Harvey, I lost my apartment, my clothing and another old computer. I lost everything. Plus I had no shelter, no car, and no electric.weeks later when I was able to check my email, I did not find a Walmart bill,  and I was so ill that I was 5 days late paying it. But I had no reminder from them and no bill. 

Still they charged me {$27.00} late fee and now they destroyed my credit. 

Think about it. If they on purpose do not send a bill for JUST 1000 customers a years, than means they will make over {$270000.00} just profit. That does not include the high interest rate of 23 % on the credit card they collect each year. 

Please help! Do not allow to destroy my credit and give me back my {$27.00}. The {$27.00} I can eat with it. I have no money at all. 

Thank you very much XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: This account is  a Private Student Loan a ccount that was originally through  XXXX . The account was opened on or around  XXXX / XXXX / 2008 . The outstanding balance currently reflected is for {$19000.00}. I hired a consumer attorney to represent me for this account. After certain information that I have provided,  XXXX  deemed that I was no longer liable for this account.   XXXX   and  XXXX  have already been updated, they have removed the  XXXX   XXXX   XXXX  account from my credit reports, however, Equifax has not removed this account. I have disputed this account several times on Equifax, and each time, they respond with the creditor has validated this debt. I have called  XXXX  several times and talked to several people, including supervisors, and no one knows what to do or whom to talk to, and apparently does not have record of THEIR ACCOUNT.  XXXX  directs me to contact  XXXX   XXXX   XXXX   (    XXXX   ). I have called  XXXX  several times, and have spoken to several people, including supervisors, and they have no record of my account.  XXXX  directs me to contact  XXXX , as they are the ( only -  XXXX  is NOT ) lenders reporting on my Equifax credit report. The numbers that I have tried are  XXXX  (   XXXX   ),  XXXX  ( old  XXXX   XXXX   XXXX  line - which no longer works ),  XXXX  (  XXXX  - this is for Federal Student Loans ). In other words,  XXXX  and  XXXX  are pointing their fingers at each other, and I am just the man-in-the-middle ( the one whom is suffering from this dilemma ). This is very frustrating, and it should be something very simple to accomplish. I am no longer liable for this account, whom do I need to talk to?

Company response to consumer: Closed with explanation