milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: At the request of Carrington Mortgage, I have been making my mortgage payment using XXXX Collect since XX/XX/2016. Carrington mortgage is reporting that I made XXXX late payments more than 30 days late for the months of XX/XX/XXXX & XX/XX/2016. However, neither XXXX of these payments were made more than 30 days late. I filed a dispute back at the end of XX/XX/2016 I have submitted my original receipts showing the date and the time these payments were made and Carrington Mortgage has still refused to correct my Transunion, Equifax and Experian. The dispute was closed and all Carrington did was report a different balance to the credit bureaus. The update from Transunion was completed/closed stating " your mortgage balance has increased from {$98000.00} to {$98000.00} which is the same balance. This dispute did n't do anything to update the late payments or nothing to redeem my score dropping XXXX points from this error. The XX/XX/XXXX payment was made on XX/XX/2016 at XXXX PST and the XX/XX/XXXX Payment was made on XX/XX/2016 at XXXX PST. These payments were made on time as an Urgent Payment via XXXX XXXX XXXX XXXX. These payments are sent without delay and sent within minutes. Based on the XXXX policy, payments can be delayed if they made after XXXX EST. The XX/XX/2016 payment was made at XXXX XXXX, which is XXXX EST. The XX/XX/2016 payment was made at XXXX XXXX, which is XXXX XXXX. Carrington Mortgage did not acknowledge my payment until XX/XX/2016 for the XX/XX/2016 payment. Carrington did not acknowledge the second payment until XX/XX/2016 for the XX/XX/2016 payment. Carrington mortgage is required to report accurate information to the credit bureaus and they are refusing to correct their mistake. I have attached the original receipts and a letter from XXXX showing that these payments were made before the XXXX days late mark.. No doubt the inclusion of this inaccurate information is a mistake on the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a refinance, which was highly embarrassing and has negatively impacted my lifestyle. Please work with Carrington to do the right thing and have these inaccurate late payments removed from my credit report with all XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan servicing, payments, escrow account

Complaint: The payment history of my mortgage account received from BofA has transaction that are questionable. In the history of the account when Countrywide bought my mortgage XX/XX/XXXX for 6 years ( XXXX ) no payments was posted. XX/XX/XXXX was also the month my property tax was due. I did make payments to my mortgage in XX/XX/XXXX for these years that are not posted. 
On XX/XX/XXXX there is a transaction of {$4700.00} that was XXXX back to my mortgage balance. BofA has not provided an explanation for this transaction. 
There is a lien on my property by HUD for an amount of {$7600.00} filed XX/XX/XXXX. The court documents does not state what the loans was for and Bof A has state is a partial payment which they have not provided documentation of this transaction. They can only provide a history of the payments applied to my account. 
There are many missing payment made to my account.

Company public response: Company chooses not to provide a public response
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 reporting) with EQUIFAX, INC. (OK).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax leaked personal information of a great number of users. I am listed as " potentially affected '' by their weak security and may had my DOB, SSN, Address, and name leaked.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Bank account or service (Checking account) with TCF NATIONAL BANK (MI).
Issue: Account opening, closing, or management

Complaint: This account has been paid in full and should be removed from my account please verify and update my account

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 01/20/2017 about Credit reporting () with CITIBANK, N.A. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Judgment XXXX In the Matter of the Marriage of XXXX XXXX and XXXX XXXX in the District Court XXXX Judicial District XXXX XXXX County, Texas XXXX Final Decree of Divorce. " It is ordered and Decreed that the husband shall pay, as a part of the division of the estate of the parties, and shall indemnify and hold the wife and her proerty harmless from any failure to so discharge, these items : Debt owed to Sears, Account Number ending in XXXX. Per the Divorce Decree I closed the account and added XXXX XXXX on the account. Since, the divorce XXXX XXXX XXXX has missed several payments which are now on my credit report. I have contacted Sears at XXXX which acknowledge they have a copy of the divorce decree but will not remove or modify the credit report. Per customer service will continue to report any future late payments from XXXX XXXX to my credit report.

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 10-10-2016 about Debt collection (I do not know) with National Credit Adjusters, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A company calling themselves 'National Credit Adjusters ' has made seven calls ( and counting ) in one day to me, XX/XX/2016 all from my local area code of XXXX. This is spoofing, which I know is against the law and though they are not leaving a message only one number rang back to them which was listed as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I am a former student of XXXX XXXX XXXX XXXX XXXX. I graduated in XXXX of 2016. A few months ago I check my credit report with XXXX and saw a late payment added to my report by XXXX. The total for that loan was {$120.00} broken down into increments of {$39.00} per month. I was shocked, to say the least because I was not aware of any student loans that I did not have an account and payment plan already set up. I contacted XXXX knowing this must be a mistake. I was transferred to the student account headquarters in XXXX where I spoke with a representative and her supervisor. They informed me that this was a federal loan that needed to be paid to XXXX. I questioned why I needed to pay them for a federal loan when I already am paying with a federal account setup and I was told I have no choice. They told me this payment needed to be made to XXXX XXXX XXXX XXXX, a third-party company that they use to collect payments. I questioned why I was not informed of any of this prior to the beginning of the payment term, no letters, no emails, yet late payments were reported to my credit. The representative apologized and mentioned that her supervisor said if I pay the amount in full and dispute the late payment through the credit bureau, then XXXX and XXXX XXXX XXXX XXXX would remove the late payments from my credit report. I have done exactly that, however, they refused to remove the late payments. I have contacted both organizations and they still can not explain why I was not informed of this loan payment 's expected date. They lied about their willingness to remove the late payment from my credit report after I paid in full. Throughout my communication with them, their representatives have sometimes been very rude and disrespectful. XXXX has proven to be a very dishonest organization. They were recently sued by the federal for XXXX XXXX dollars and they continue to be dishonest. Those late payments were the first ever on my credit. My credit score has dropped tremendously as a result and I am unable to do the necessary things to establish my life as a young professional.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (LA).
Issue: Problems when you are unable to pay

Complaint: I was unable to make payments due to medical crisis in my family and on XXXX/XXXX/XXXX I made a payment arrangement with Spring Leaf to make {$50.00} one time payment and {$70.00} thereafter till I am able make the full monthly payment beginning XXXX XXXX. I have been paying as agreed but Spring Leaf is sending Sheriff to harass my family -- my husband recovering from XXXX and our daughter with XXXX challenge. When I called them to ask why, they said if I do n't want the Sheriff at my door, I should go to the Sheriff office to sign some papers! 
See attached fax cover of hardship request I made for the payment arrangement and my bank activity showing my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Bank account or service (Other bank product/service) with Google Compare Credit Cards Inc. (GA).
Issue: Deposits and withdrawals

Complaint: I opened an account with Google wallet which is pretty much a prepaid type of account. My stepfather deposited money for my birthday. I used this money for a hotel on vacation. The hotel over charged a few times and eventually submitted a refund. The day the efund cleared i got an email stating that my account had been suspended for violating terms. Google wallet refused to tell me which terms and stated they had the right to close account without reason. I had a positive balance of {$190.00} on the account and they would not let me access it, stating that it would be refunded to the account linked to card within 30days of account being suspended. We are now on a little over 60 days past account being closed and not only have i not recieved the refund but the company refuses to respond to my emails and will not give any sort of update. I put a complaint in with XXXX. The response Google wallet is giving is that same : that i will be refunded in 30 days even though we are past that. I have copies and copies of emails and my XXXX complaint that states in writing from them that it will take no longer than 30 days. At this point they are violating my rights and causing me a get deal of stress and time to resolve this. They are violating their own terms and i should not have had to wait this long for my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Auto debt) with WELLS FARGO & COMPANY (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I filed a complaint agains t Wells Fargo w ith CFPB on  XX/XX/XXXX  about their  XXXX  discrimination for a two month Deferment while I was on medical leave and they would n't provide assistance for  XXXX  medical leave only if I was physically at my job before my complaint and still after their response to my complaint.   When I submitted my final response letter to their counter response, I included a CEASE & DESIST from all telephone contact which is still on file with CFPB, They attempted to call once right after that in late  XXXX  which is their right by law, however They started calling again in  XXXX  and continue calling me.  XX/XX/XXXX  is the first time I have become one month past due on my loan, due to loss of employment, but they called me on  XX/XX/XXXX  and left a message,  XX/XX/XXXX  and left a message,  XX/XX/XXXX  and left a message, and  XX/XX/XXXX  no message left. Like I advised before, do not contact me by telephone, email  or US ma il is fine, however I have not received any written contact from Wells  Fargo Auto Finance  at all just these calls. I do not wish to be called ever. My loan history will show that my pay history has been perfect until now. I am not just suddenly going to stop paying my loan, I am waiting for unemployment to kick in at which point I will be paying again. Again I do not wish to be contacted by phone and should not have to provide a seco nd Cease and Desist req uest in writing again!

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 03/22/2017 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold to the Roundpoint Mortgage Servicing Corporation last year. I received the letter from the city stating that I did n't pay the taxes for the last year and and I am charged {$200.00} penalty fee. My account is set up as an impound account ( have escrow and money is deducted automatically each month ). The Roundpoint told me that they payed the taxes in XX/XX/XXXX they will research this and will get back to me by XX/XX/XXXX. Second issue is my mortgage increased in the amount of {$210.00}. 
The Roundpint told me that my home value went up. Looking at the public records the last time property value changed was in XX/XX/2011 when I purchased my home. I asked them to send me a detailed report so I can understand how did they get to the amount of {$210.00} increase and the proof of tax payment. They told me that this conversation is recorded and they can not send me anything in writing. I feel that this amount of {$210.00} is wrong and they are lying to me about taxes being paid. The customer service representative XXXX did not let me to talk to the supervisor.

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 02/13/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I have a monitoring service and ca n't access my credit file. I was asked several times to send in documents verying my identity and I have done so several times. I have spoken to several depts at least 3-4 times a week for the last 3 1/2 weeks about my file and all I get is the run around. I asked to be credited for the product I am paying for and they wont grant the credit. I am frustrated by Equifax 's bad customer service and poor practices along with refusing to remove incorrect and erroneous information on my file which can has been verified in the form of an investigation demanded by me from the original creditors. If these matters are not remedied within the next 5 days I will preparing to take legal action against Equifax and the original creditors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have submitted over XXXX applications for loan modification through Chase bank who was the service provider for a XXXX mortgage on my home. To date, I have participated in XXXX trial modification programs, of which I preformed flawlessly, with the understanding that at the end of the trial there would be some attempt to negotiate the excessive late payment fees, attorney fees, compounded interest and other fees. 
One specific problem that I can not seem to resolve is the fraudulent inflated value Chase bank has placed on my home and mislead XXXX as to the strength of their position. I believe this has a bearing on whether XXXX chooses to negotiate with me equitably or to foreclose. I have provided, on numerous occasions, evidence to my assertion that the value Chase placed on my home is indeed inflated and fraudulent. In having XXXX separate appraisals preformed on my home, the value came in at almost XXXX the inflated value Chase bank has maintained. As an XXXX I am aware of best practices, of which the gold standard would be comparisons that would back up any appraisal. Chase has refused to provide me with the exact comparisons they maintain they are in possession of and that are the baseline for their inflated, fraudulent appraised value. I have asked for, and offered to pay for, Chase to commission an independent appraisal through their local pool of appraisers to establish my claim ; they refused. 
The very corner stone of the debacle that caused our financial meltdown in 2008 was this very issue - banks using contrived and manipulated values to support a questionable loan. 
I have filed bankruptcy. There is no recourse for XXXX or Chase to collect fees, charges, interest, or for even that matter, the principal, due them for their security. Therefore, I believe this constitutes a new loan under the guise of a loan modification and thus I believe this new loan falls under the consumer protection provisions found in Dodd-Frank.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (UT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Pinnacle LCC - Owner of the XXXX XXXX XXXX XXXX  ( XXXX ) XXXX and the house I rented a room in from XXXX XXXX to XXXX XXXX
The owner of the home I rented from Has posted a fraudulent collection entry on my credit report for {$600.00}.
He evicted me giving 3 days notice forcing me to sign an agreement to a 3 day eviction. This because I had been arested for XXXX XXXX and he said he read the police report. This did not take place at the rental property and this rich guy was trying to punish me for a the XXXX XXXX.
The owner of pinnicle LCC, and the manager at XXXX XXXX still owe me the remainder of the rent for XXXX after the XXXX XXXX eviction in addition to the {$350.00} deposit. {$500.00}.
This is insult added to keeping my rent and deposit money. Clearly, this guy has it out for me and he 's taking the time to violate me because of the XXXX. He 's writing on me credit report what about what he ows me to cause me more distress while taking a tax write off.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Auto debt) with Riverwalk Financial Corporation (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: *Mailed a letter requesting the information below and only provided the information attached to the complaint. 

1.Agreement with your client that authorizes you to collect on this alleged debt. 
2.Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 
3.Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
XXXX. Provide proof of license and bonded to collect in the state of Illinois.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced about a year ago, and the terms of my new loan do NOT require any mortgage insurance (PMI).  Despite this fact, I recently discovered that my bank has been withdrawing about $XXXX a month from my escrow account for the past twelve months.  And - based on the statement they mailed to me last month - they planned to continue to do so for another year (or longer - as long as they could get away with it, I presume).

(Like most escrow accounts, my escrow account is supposed to be used for home insurance and county taxes.  According to my statements, these payments appear to have been paid out correctly.)

When I called the bank, I was told that they couldn't just return my money and stop any future withdrawals.  Instead, they added a "replacement reserve" entry to my monthly payment, a credit which matches my "mortgage insurance" entry that just started appearing on my statement.  (Neither of these items were on my statement until this month's bill.)  Additionally, I have a XXXX new item on my statement - a "shortage" of about $XXXX.  That's right - my bank wants *me* to make up for the XXXX shortfall in my escrow account, a situation that *they* caused by incorrectly withdrawing my money!

The only reason there is a shortage at all is because of their incorrect withdrawals (last year) combined with their estimates for the coming year (which they shouldn't be doing in the first place), which together cause the "projected" balance to drop below the required minimum.

(I'm aware that my taxes and house insurance have risen slightly.  But this should only raise my payment by about $XXXX per month, not $XXXX.)

I've tried talking with multiple bank representatives, and they've explained the "replacement reserve", but they don't seem to be able to remove the so-called "shortage".  I've been told to just pay the extra XXXX shortage this month, and that the PMI would be removed next month, but I've already been told a bunch of things that didn't happen to this point (including that this would already be fixed by now).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief