milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/17/2017 about Mortgage (FHA mortgage) with CORNERSTONE MORTGAGE COMPANY (TX).
Issue: Settlement process and costs

Complaint: On XXXX we closed our home loan with Cornerstone mortgage. We paid our mortgage monthly with no issue. On XXXX we received an escrow statement stating our payments were going from XXXX monthly to {$3300.00} due to an mistake in not collecting the appropriate amount of escrow. This was absolutely an amount we could not afford. So when we received our XXXX statement, I began to pursue options with the mortgage company and completed the required application. I heard back in XXXX that the account was placed on a trial modification and the first payment would be due on XXXX. We completed all of the trial period payments. However, during the trial period received a notice that our loan had been sold to XXXX, and the servicing would remain with Cornerstone. In XXXX we also received confirmation that our modification had been approved, so we completed the paperwork, had it notarized, and returned it in the shipping envelope provided. I believe it was in XXXX we received a notice that the servicing of our loan was also transferred to XXXX. I was able to register on their website and have been logging on to the account at XXXX and speaking to their representatives ... according to them they have not received the final processed paperwork from Cornerstone. Something about Cornerstone would have sent it to XXXX for processing and XXXX would have returned it to Cornerstone, and then Cornerstone would have to send it to them. It is now XXXX. My loan was tanked by a Cornerstone Escrow error, and now it has been sold to a sub-prime lender who can not finalize my account because according to them they do n't have the appropriate paperwork from Cornerstone. I contacted cornerstone by email on XXXX and received a response to contact their modification department. I did so, and was told I needed to submit a request in writing to the research department. I told the young lady that it was a request in writing that directed me to contact the modification department. She then said she could escalate it to a supervisor but it would take 24-48 hours. I asked to speak to the supervisor she said sure, then transferred me to an extension that rang and disconnected the call. This whole situation has been not only unfair but at no time has Cornerstone admitted to making these mistakes that have essentially cost my credit score and financial stability. I would like this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (Medical debt) with Harvard Collections, LLC (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I am currently enrolled in a XXXX XXXX XXXX program for all my medical bills. Harvard Collections Service was deducting $ per month until I enrolled in the program. Once enrolled in the consolidation program, the agency were informed to cease deductions. They were provided the information to call to work with XXXX ; however, they continue to ignore and deduct without consent. In XXXX they continued to deduct which lead into XXXX and most recently in XXXX. I have spoken with the representatives and informed them to stop. They are calling repeated, continue to deduct from my bank account after they were instructed to stop. The deductions caused overdraft charges. I spoke with the manager, XXXX XXXX XXXX informed him he is violating my rights, deducted without consent. I sent an email and a certified letter ; however, filing a complaint since my efforts are ignored since XXXX. I will contact my bank and advise them any more deduction is illegal. they continue to run my credit every few months causing my credit score to drop dramatically which is effecting other issues. If you help that would be grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I had student loans through Navient and I sought information about how to best go after my loans. I feel that they withheld information from me and poorly advised me in the decision process. The big one would be keeping me from a more effective payment plan. The fi rst one is as a  XXXX  in a non profit organization the Public Service Loan forgiveness is by far my best option for rep ayment. I feel that Navient withheld this information when I asked about my options in order to keep my loans and keep them in a longer repayment process and keep the loans within their organization rather than have them switched to   XXXX   XXXX    i n which they could no longer profit from it.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On   XXXX     I had a balance of  XXXX  on my Comenity Bank  Credit  account  (    XXXX   XXXX   XXXX    ). I paid off my account balance in full that day. Not my statement balance, my account balance. My account balance was  XXXX  on  XXXX / XXXX /  XXXX  . On  XXXX / XXXX /  XXXX   I received a statement saying they went back to the  XXXX  and assessed a late fee and have charged me 28 % interest for that fee even though I had a   XXXX    balance on  XX/XX/XXXX   . So I 'm being retroactively charged late fees, and being charged a month 's interest on that fee in under a week when the account should be closed. Had there been a late fee on the  XXXX , it should have been in my account balance on the  XXXX .     I do not believe this to be just. They 're trying to rip me off on my way out the door hoping I would rack up more interest and fees thinking I was done with them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: It 's been paid in full

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Late fee

Complaint: I have an in-store card with Walmart and the payments are due on the XXXX day of every month. On XXXX/XXXX/2015 I made my third payment on the account inside of XXXX with cash in the morning. Later that day I checked my account and contacted a Walmart Representative in their card services department. I was told that my cash payment was on time and that no late fee would be added to my account. On XXXX/XXXX/2015 I checked my account and found that a {$25.00} late fee was applied to my account and an {$18.00} credit posted to the account had disappeared. That same day I contacted the Walmart card services department and spoke with XXXX male representatives who refused to remove the {$25.00} late fee and transfer me to a manager. XXXX Walmart reps argued that the {$25.00} late was justified even though I made the payment in time. I was very upset and stated that I thought this was a very dishonest business practice and threatened to cancel the card. In addition, I have proof that my payment was made on time. Since Walmart is refusing to remove the late fee and I am concerned that they will falsely report this information to the credit bureaus I have decided to write this agency to get the matter addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Debt collection (Medical debt) with Sequoia Financial Services (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Was successfully paying medical debts to hospital. I then suffered a temporary XXXX XXXX. I contacted the hospital to request a payment deferral which was verbally approved by hospital. My next contact were from a debt collection agency on multiple separate accounts associated with hospital all of which had previously been consolidated into a single original payment plan with the hospital. I disputed the amount owed and asked for a full accounting of all charges and payments previously made so that I could reconcile and confirm the amounts claimed I owed. The debt collector never responded to this request but is now reporting all of these separate accounts to credit bureaus. My letters sent via certified, first-class, USPS mail are attached herein.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 noticed an unauthorized hard inquiry into my credit on my Equifax Credit Report. I disputed it, and roughly XXXX days later, they said they completed the investigation and left the inquiry on my file. I told them it is fraud, and I had contacted XXXX who confirmed someone had used my SSN and Name to open an account with them. Equifax refuses to do anything further about it and is dumping the problem totally on me. The only reason anyone was able to GET my information was BECAUSE of the massive Equifax data breach -- they need to be doing more to help people who have been impacted by the data breach and have had their information stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: The company provides me with misinformation every time I call regarding my account. My account information is never correct and I receive a different inaccurate reason for the failure of the account to be correct each time. Every time I am advised that the account will be corrected, but it has yet to be correct when I follow up. I was recently advised that I needed to make a physical payment since my direct debit was requested to be changed and that no direct debit would be withdrawn. However, both the physical payment ( {$820.00} ) and a direct debit ( {$630.00} ) were withdrawn. Furthermore, when I made the change to my direct debit amount, I did not authorize the direct debit amount that they withdrew but had made a request for the amount of my monthly installment to be withdrawn ( my monthly installment is supposed to be {$820.00} but on XXXX/XXXX/16 it stated my monthly installment was {$1.00} and yet {$630.00} was withdrawn ). I can not get accurate information regarding my account any time that I call to inquire. Further. when Fedloan servicing took over my account from XXXX, they did not transfer my loans as a full consolidation like XXXX had previously completed for me. Therefore an additional consolidation had to be created in order for them to be included in the public service loan forgiveness repayment option and the repayment plan is therefore extended on those particular loans. Accurate information is vital to being able to manage student loan repayments and this company lacks the resources and tact to do so. I will be escalating this as far as I need to to ensure that others do not have to endure this lack of professionalism in the future and to ensure that my issues have been rectified. 

The University XXXX XXXX XXXX XXXX XXXX, TN

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Other debt) with Dynamic Recovery Solutions, LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated phone calls at home and work, for a debt that I do not owe. Threatening to sue me. I have researched this company, and they have numerous complaints from other people. I believe this company is committing fraud and should be investigated. I am demanding that they cease all attempts to contact me, or else I may have to pursure legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I was contact within a flyer, and they offert me home loan modification. 1 ) They promise me lower monthly payments. 2 ) Come down the principal. 3 ) avoid foreclousure. 4 ) They request money from me.I gave them {$7500.00}, and after that i dont ear from they any more. I paid them whit check.I started with them since XX/XX/XXXX and last time got comunication whit them:XX/XX/XXXX _

Company response to consumer: Closed
Consumer complaint received 12/14/2017 about Debt collection (Medical debt) with EQUIFAX, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I Had Health Insurance I Dont Owe anything

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Money was not available when promised

Complaint: My PayPal balance of {$5400.00} has been withheld by PayPal. I already submitted XXXX complaint about this issue, and yesterday, PayPal filed a reply, promising : " On XXXX XXXX, 2015, PayPal made your full Account balance of {$5400.00} available for withdrawal. '' However this is not true. I have tried many times today to withdraw my balance as promised and the account is still blocked. I can not initiate any withdrawal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (NJ).
Issue: Trouble during payment process

Complaint: I made a paym ent    XXXX   XXXX   2017, whi ch  was 5 days late, along with extra money for the late payment. Unfortunately, I was a little over a dollar short on the late payment. The problem, they arbitrarily put the {$18.00} into the escrow instead of putting it towards the late fee. So, now, I have a past due amount of the {$19.00}. I will pay the {$1.00} and I want the rest applied to the late fee. I am struggling to make sure my payment is made, I do n't have anything left over to buy much food. I ca n't afford to pay frivilous mistakes that they make.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Account opening, closing, or management

Complaint: I am a XXXX who has banked with Bank of America for more than20 years. In the last year the service charges for banking services that allretailers require have been increased anywhere from 20 % to 300 %. Thesare critical services like cash deposits, coin requests, check writing andcheck deposits, ACH activities etc. Our monthly bank fees, not includingcredit card fees have gone from approximately {$90.00} per store per year one year agto over {$160.00} per store per month this year

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (DE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Did not Identify themselves, nor give a name, said that it was attempt to collect a debt, called me at work, and said it was for XXXX in which I have not had in 7 or eight years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-12-2017 about Mortgage (Conventional home mortgage) with Servis One, Inc. (NJ).
Issue: Trouble during payment process

Complaint: Case number :  XXXX  was never resolved. There is an unexplained charge of {$170.00} attached to my mortgage that needs to be removed. The company to me to have my lawyer explain it when I call

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Debt collection (Payday loan) with National Principal Group, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I got an ominous sounding message on my home phone on Tuesday, XXXX XXXX, and I called back 5 minutes later. The person I spoke with would not give me the address of their company initially so I could send a cease and desist letter. Eventually they gave me the address but I 'm not sure it 's correct. The person said I owed some payday loan debts but could n't provide me with a copy of the documents proving I owed any money. I have no idea who this company is or what debts they claim I owe. 5 minutes after I talked directly to someone at the company, calls were made to my mother, my sister, and my work. All XXXX of those calls were unnecessary and a violation of the FDCPA. On Wednesday, XXXX XXXX, I got another call at my work number, and Thursday, XXXX XXXX my sister was called once again. All of these are clear violations of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Southwest Credit Systems {$260.00} Original creditor XXXX I do not owe this much. Have disputed for over 4 yrs Attempted to settle with XXXX numerous occasions but they refuse!! I DO NOT deal with collection agencies. Southwest just put this charge back on my credit again & trashed my credit score. I 've had XXXX accounts closed because of this. I 'm sick of dealing with this I could very easily pay this but I 'm NOT paying something I do n't owe XXXX XXXX, 2015 XXXX took {$60.00} off for equipment return, I own that equipment Took it to {$200.00} Now XXXX says there was NO charge and added the {$60.00} back on. My next course of action is court!! XXXX never sent me a final bill 4 yrs ago when we moved. XXXX now states that they ca n't accept any kind of settlement that I need to pay full amount but then told me that I could to thru Southwest and settle for less amount This makes NO sense to me. I will not let this go until it is off my credit once and for all. Southwest has over 500 complaints with BBB I will continue to file complaints thru XXXX XXXX until resolved

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Prosper Marketplace, Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: OnXX/XX/XXXX, I discovered credit item Prosper Marketplace account number XXXX had been re-inserted into my credit file. I disputed the tradeline with XXXX and on XX/XX/XXXX, the tradeline came back Verified as Accurate. Per the FCRA, XXXX is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. As evidenced by my report datedXX/XX/XXXX, the Date Closed states XX/XX/XXXX and the estimated removal date states XX/XX/XXXX As evidenced by my report dated XX/XX/XXXX, the Prosper Marketplace tradeline is no longer listed. Now according to my report datedXX/XX/XXXX, the tradeline is listed with a Date Closed of XXXX/XXXX/XXXX and estimated removal date of XXXX. This item has resurfaced after the FCRA reporting period has expired so this item must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2018 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Trouble during payment process

Complaint: There is gross incompetence at Freedom Mortgage. My previous rental property loan was transferred from XXXX to Freedom for service. Freedom mixes up my mailing address with my rental property, putting the unit number for my rental unit ( XXXX ) to our mailing address. After calling Freedom repetitively, they still have trouble fixing this error. Then they sent a letter to me indicating that my home insurance did not have the right address. It did. And they make it very difficult to update information, insurance policy, correct errors either by phone or through their online system. This company is so incompetent and one wonders what other serious errors they have in their system.

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 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been a victim of fraud and identity theft and have made this known to the 3 credit agencies Trans Union, XXXX, and XXXX. However they are reporting errors on the credit report and profile they have set up for me. 

I have repeatedly asked for evidence of the verifiable proof to support the reporting, but yet again, they have failed to provide me with a copy of any viable evidence submitted by any of these creditors substantiating their claims. These negative events that are being reported by their agency are erroneous and false. Furthermore, I have also requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act. 

The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation