milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-06-2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was bought out from XXXX to Specialized Loan Servicing , LLC. Specialized Loan Servicing says since I am in bankruptcy that they will not send me a statement and they will not tell me exactly the terms with them as far as date of payment, if my payment is the same, etc., and also told me I did n't have to make a payment while in bankruptcy. I do n't feel good about this as I have read many many complaints of dirty dealings with this company. I do n't want my house to end up in foreclosure, but I want a detailed statement stating what I owe, the monthly payment as XXXX did, and when my last payment was received. They also told me that I have 90 days until my first payment is due since my loan was bought out, which contradicts the whole " You do n't have to make a payment while in bankruptcy. '' I had to hold an hour before talking with anyone and they told me this was their typical wait time and I got nowhere with them. I am worried, please help!!

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was affected by the Equifax data breach

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (UT).
Issue: Trouble during payment process

Complaint: My previous complaint with Nationstar Mortgage was looked into deeper by the company regarding a sum held in a suspense account that was not applied to a payment, thus making every payment following that late. After the  XXXX  review, Nationstar admitted fault, stated they would go back and change the VOM, but have not yet completed this. The payment history was completed, but not the VOM.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Debt collection (I do not know) with Cooper Hoffman Klein Associates (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My wife, employer and I have received multiple calls daily for the last week regarding a legal matter. Messages state that court papers would be filed in my County of residence. When I return calls no one will give me specific information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Bank account or service (Checking account) with PNC Bank N.A. (MI).
Issue: Problems caused by my funds being low

Complaint: I was overdrawn on my account and was charged XXXX in fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2015 about Credit card () with JPMORGAN CHASE & CO. (OR).
Issue: Billing disputes

Complaint: Chase Credit card provided a credit card number to a merchant that I had not provided myself. I called and put the charge in dispute, Chase committed fraud by providing my credit card number without my approval to a merchant

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I requested that my bank remove my PMI. They instructed me to pay for an appraisal, which I did. The appraisal was submitted with a range of values for my house : XXXX $ XXXX . Suntrust bank chose the lowest value in that range and misrepresented that value labeling it as the " 90-120 day '' value even though I spoke with the appraiser who confirmed the 90-120 value he submitted was XXXX . I believe it is wrong, and perhaps a violation of the Homeowner 's Protection Act, to allow a bank, whose interest is in collecting PMI for as long as possible, to select a value when given a range that benefits them and may not actually represent the true value of a home.

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 Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Trouble during payment process

Complaint: So we have a big issue with our escrow for this year that we need assistance with, I 'm not sure who to turn to on this. We got our annual escrow disclosure statement a couple months ago and our flood insurance had two separate charges, one for XXXX and another for XXXX. Our original flood insurance was {$420.00} annually. We called and spoke to both caliber rep and a rep from our insurance company, coming to the conclusion that they submitted our new flood insurance at {$7100.00} and the {$9200.00} was a goof up for some reason or another on their part. You see no one had let us know that they were going to increase our flood by 2086 % ..they also did n't send us paperwork about this nor did we sign anything that we would accept any of these new policies that they submitted into place in error and without our consent. So after much arguing with the insurance company and them having us pay to get another elevation certificate done they were able to " grandfather '' us in for an new annual flood rate of {$1400.00} and sent 2 refund checks of {$2700.00} and {$5300.00} XXXX to make up the difference. If you do the math this is obviously not going to cover the {$9200.00} and {$7100.00} they subtracted from our escrow account making it be in the thousands in the negative.-XXXX $ ++. So we then deposited total of {$6600.00} into escrow to try to pull us out of the negative. Which our XXXX deposit would pay everything we even owe for escrow regarding our taxes, pmi and insurances. They have adjusted escrow 3 times and still have n't taken care of the XXXX charge. Also on the updated escrow disclosure they have another XXXX charge for the new policy, however the XXXX is still in there with our added deposit to make up the difference. This is making our " new '' mortgage payments almost a thousand dollars more than our old payment. Also our taxes are less because we have homestead. Everyone is dragging their heels with helping us. We ca n't afford to keep paying for this mistake and afraid will have to sell our house or get foreclosed on due to this error. I have XXXX children to take care of and one of them has serious medical issues as she has a XXXX XXXX and XXXX XXXX that is already stressful enough to deal with without having this extra burden on me. If you could please look into this matter as I feel like what happened was unlawful and not within the standards of this industry.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (I do not know) with FIRST CITIZENS BANCSHARES, INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I got a letter from a Debit Collecter Service stating that they received a request from First Citizens Bank to collect a debieof a {$100.00} for a return check. I contacted the bank on XX/XX/2018 asking them to give me some details about the check since I know that I have not authorized any check to any individual or Business. The bank refused to give me any details. 
I don't understand why the bank collecting a debit of so called Return Check on some else behalf? 
I need to know who authorized that check.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Midland funding reporting expired debt on my credit report I never received anything in regards to dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My home was foreclosed XX/XX/2014 & we had modifications through a previous lender Homeward when it was sold to Ocwen. I believe out modification, loan, payments, & foreclosure was mishandled. 
We have contacted Ocwen on several occasions with no response to the information we requested.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit card () with CITIBANK, N.A. (MO).
Issue: Payoff process

Complaint: The Home Depot offers consumer credit cards which are serviced through Citibank. 
They periodically offer extended payment terms with no interest charges if paid within XXXX, XXXX, XXXX, or XXXX months depending on the amount of the purchase. The extended terms purchases accrue interest at 25.99 % which is only charged if you fail to pay the balance in full before the extended term expires. 
The problem is the way that they apply payments that are made on the account. The online payment system does not allow the customer to direct which balance that you want your payment to reduce. 
In general, the typical account will have balances from : 1 ) current month purchases ( which have not appeared on a monthly statement ), 2 ) prior period purchases ( which must be paid in full by the payment due date to avoid interest charges ), 3 ) one or more extended terms balances ( which must be paid in full by a specified date to avoid the deferred interest charge ). 
The Citibank system will automatically apply a payment to current month purchases before applying anything to the extended terms purchase balances. Obviously, they try to make sure that you do not get the extended terms purchase paid in full before the expiration so that they can collect the accumulated deferred interest charges. 
As a result, I have stopped making any new purchases on my Home Depot credit card which forces Citibank to apply my payment to the extended terms purchases. However, they are still applying the payment to the extended term purchase with smallest amount of accumulated deferred interest charges hoping that I will fail to get the larger balance paid in full before expiration.

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 02-04-2018 about Student loan (Private student loan) with R3 Processing (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I called a company R3 Processing to help me get a lower payment on my student loan. I completed an application with them and they gave me a username and password to the federal student aide website to check on my loan. The account manager who was handling my case said my payment would be {$74.00} a month. {$49.00} going to XXXX XXXX who they borrow money from to do the work for me and {$25.00} towards towards my student loan. I kept calling them about my application which they said could take up to 90 days. 90 days passed and they kept telling me my application was still being processed. Meanwhile I have been getting money automatically withdrawn from my bank account for {$49.00} by XXXX XXXX. I called XXXX XXXX and they told me R3 Processing said their work was completed. They said for consolidation. They did not consolidate my student loans. This was done in 1996. R3 Processing was to help me lower my student loan payments. They did not do this work. I have tried to call them many times and have left voice mails but have not received a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Debt collection (Medical debt) with Receivable Collection Services, LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX : FICO score has decreased by 28 points XX/XX/XXXX THIS IS A FRAUDULENT SHELL ENTITY. The entity uses coercive and deceptive phone tactics, data theft, and false reporting to credit agencies. 

Account name RECEIVABLE COLLECTION SE Account number XXXX Recent balance {$120.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. 

RECEIVABLE COLLECTION has flagged your account as Collections. 
XX/XX/XXXX Alert Date XX/XX/XXXX Source XXXX   Company XXXX XXXX Payment Status Collections Status Date XX/XX/XXXX Balance {$120.00} Balance Date N/A Address XXXX XXXX XXXX XXXX, NY XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's  internal collection department Status Updated XX/XX/XXXX Balance {$120.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NY XXXX Ownership Individual Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I am having issues with my XXXX XXXX credit card. Earlier this year i had some fraud occur on the account and it lead to a late payment to my credit report in XXXX of 2017. I contacted citibank and they sent me a letter stating that a request was sent to the credit bureau to have the 30 day late payment removed. It has not been removed and I have disputed with credit bureau and they state citibank is not removing from bureau.
I also have another recent issue with them where apparently my mail is being returned to them from the post office so i did not receive my last statement and the account went 31 days late. I tried calling in to speak to someone onXX/XX/XXXXand the fees were credited due to the proof of the mail being returned but i am afraid they are going to do to me the same thing they did earlier this year. Neither of these issues are my fault and need to be token care of.

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 non-monetary relief
Consumer complaint received 04-12-2017 about Credit reporting () with UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am a USAA customer and in XX/XX/2016 they migrated from MasterCard credit card to a visa branded card for all their customers. The balance was transferred to the new visa branded card and the legacy MasterCard account was supposed to be closed. Upon review of my credit report, I found that the legacy MasterCard account was still on my report with a balance of over XXXX. 

I have filed a complaint with the resolution department at USAA but upon review of my wife 's credit report, the same problem was there too. 

I am complaining because I only found this problem by happenstance and I suspect that many more consumers may be affected. If a customer had this issue, they might never know unless they meticulously reviewed their credit report. 

In my conversations with USAA staff, I found that this is a known issue to some of them. If they know, why have n't they checked and notified those affected? This seems suspicious as if they were concealing this problem.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-03-2015 about Debt collection (Medical) with Debt Recovery Solutions, LLC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Debt it not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC).
Issue: Other transaction problem

Complaint: On XXXX XXXX, XXXX, I went to Walmart in XXXX, NC to make an international XXXX transfer to XXXX in the amount of {$300.00} USD. I paid {$300.00} including the transfer fee. When the recipient went to pick up the money with their ID at XXXX services at a local Honduran bank, they were told that the sender needs to call and verify. The following day, XXXX XXXX, XXXX, The agent at Walmart called XXXX for me and was informed that the recipient must call to verify, not the sender. I then told the recipient to call and verify and after doing so, they said now please have the sender call again to verify. On XXXX XXXX, XXXX, I called again and was informed that no, I am verified, the sender is verified, but the XXXX agent in XXXX has to call on behalf of the recipient to verify. The recipient went back to the bank and spoke with a XXXX agent who insisted this is a mistake from the XXXX services on the XXXX side said the sender is the person that needs to call and verify. They absolutely refused to make any calls neither for the recipient nor to XXXX. I went back to Walmart where I made the initial transfer and the same Walmart associate who had helped me before called XXXX to inform them of this situation and request a refund. She was told that they will not release my money not even for a refund unless the Honduran XXXX agent calls them. She transferred the phone to me and after explaining it to them again, they told me if the bank does n't want to call then please have the recipient call, once again, to verify. 
XXXX has given me many different numbers to call that I, the recipient, and the XXXX Walmart associate have been calling to resolve this and keep getting the runaround. After calling these numbers numerous times about this situation, I no longer want to deal with their customer service. They are now holding my money indefinitely and will not release it even though both I and the sender have already been verified. I have used their service many times before and never had any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I was 30 days late one time in 2014 and Chase reported me 30 days late for 15+ months in error through XX/XX/XXXX. I have disputed it and they have not sent me any documentation showing the they are reporting in error. I demand they remove the 30 day rolling lates.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have 4 erroneous accounts that appears on my Experian Credit report with Account number of XXXX. They have respective balances of {$33000.00}, {$53000.00}, {$26000.00}, {$8500.00}. These accounts are in current status and are duplicates of same accounts which already appear on my credit report as current accounts.

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 non-monetary relief
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Credit Bureau showed gross negligence in security of my and 145 million Americans as shown by a security breach in XXXX XXXX. Equifax took six weeks  to announce a security breach had taken place, in which time three Equifax executives, XXXX XXXX, XXXX XXXX, and XXXX XXXX sold nearly 2 million dollars in stock of the company. After Equifax  announced in XXXX XXXX that 145 million Americans had their dates of birth, social security numbers, names, driver 's licenses, and addresses compromised, no solution was provided for those affected. This information is highly sensitive and the leaking of said information is devastating. This leak could also have been prevented, as Equifax was notified in a report by Homeland Security there was a major flaw in the security of their website. This was a devastating, preventable disaster and Equifax is entirely responsible for the breach of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I made payment arrangements w IQ data international, inc XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
My concern was when I realized I initially owed XXXX and now I owe XXXX.???? I've paid them XXXX, which btw wasn't easy for me but I made sacrifices. I called the company. After about 50 telephone " offers '', the recording tells me " we are sorry, the new number is ..., ''. I called new number. More offers. Then without identifying themselves I got " please say residence, business or government ".

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit card () with TD BANK US HOLDING COMPANY (NY).
Issue: Application processing delay

Complaint: On Saturday XXXX XXXX 2016, I went on-line to transfer $ from my TD savings a/c to pay the O/S balance on my TD CC. The payment amount immediately was deducted from my savings a/c, but 2 days later still has not been credited to my CC ... .effectively denying me the use of the at money for 2 days. This appears to be a standard practice of TD, and if applied to all payments, could involve huge sums. TD effectively is using our money, ( overnight money market? ) without our approval. Do all banks do this?

Company response to consumer: Closed with explanation