milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/20/2016 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: TD Bank accepted and processed my Additional Principal payment of {$5000.00} immediately on Monday, XXXX XXXX, 2016. The money was withdrawn from my account instantaneously. The payment still had not been recorded as of Monday, XXXX XXXX, 2016, after fourteen ( 14 ) days. When inquiring about the status of the payment at my local bank branch both the Branch Manager and Customer Service representative learned that the exact location of the {$5000.00} is unknown. I have no complaints and in fact compliment both the Manager and Customer Service Rep at my local branch because they did all they could but even after an hour there was no resolution. They promised to pick up the trail today. 

The loan department indicated that this is an ongoing problem at TD Bank mortgage division for IT reasons and that I should " call them '' in advance of making an extra payment - presumably so they can " look out '' for the transfer of funds so they do n't get " lost ''. This has happened to me before but the last time the money was " found '' after three ( 3 ) days. 

So I, as a consumer am being forced to give TD Bank an interest-free loan of {$5000.00} while my regular mortgage accrues an additional 14 days of interest. I view this as a tactic to discourage consumers from pre-paying the loan which is allowed under the terms of my mortgage. In addition, I am becoming seriously concerned about the solvency of TD Bank when they are hiding money for two weeks. If I did n't complain would the payment ever be recorded properly???

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Making/receiving payments, sending money

Complaint: I bank at capital one 360 and I had XXXX credit cards through them as well. They have in the last two months just withdrawn first in XXXX {$170.00} and then in XXXX {$190.00}, Which I did not authorize them to do. I have called 6 times in the last few weeks to get it straightened out.However, each time i am told that it will take 5 days to send back. I then wait 5 days and nothing happens. So I call back and get the same dog and pony show as the time before. I have all the chat messages saved as well as the last phone call which i was put on hold for 30 mins and was on the phone for almost 3 hours which i talked to 6 different people and had reexplain 6 times why i was transferred, I did not authorize them to take the money and this last call she said i would not receive money back even though i have a transaction code from them ( Screen shotted from there own chat ) saying that the money was sent back to me which never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Mortgage (FHA mortgage) with Village Capital & Investment LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: In response to a complaint that I filed with the Consumer Finance Protection Bureau against XXXX and Village Capital Investment in regards to the illegal foreclosure of my home and failure to apply payments to my loan in accordance with federal law, I received the attached letter in duplicate from XXXX XXXX and Village Capital Investment. 
The letter states that a " Notice of Breach '' was sent on XXXX XXXX, 2015 stating that I had to pay {$830.00} to cure the loan. Five days prior to the date of the letter I had already sent in a payment of {$820.00} via XXXX and then on XXXX XXXX, 2015 I sent an additional payment via XXXX for {$640.00}. These XXXX payments were made well before the cure date stated in your correspondence which was XXXX XXXX, 2015. 
In the response letter to the CFPB complaint that I placed, it is mentioned that I was refunded the {$800.00} payment that I made in XXXX 2015, the {$700.00} payment that I made in XXXX 2015 and the {$710.00} payment that I made in XXXX 2015. The letter states the {$800.00} and {$700.00} payment were returned to me via ACH transfer, but I have no record of an ACH transfer to my bank account or a refund given via XXXX. The {$710.00} check was received via certified mail with United States Postal Service tracking number XXXX. Therefore the ONLY refund I have been given in all the payments that I have made since XXXX 2015 has been {$710.00} and the {$150.00} payment that I made via XXXX was sent back to me via a XXXX cancellation of payment. Please provide proof of the ACH transfers that you stated in your letter. 
I request that all payments be applied to my account and foreclosure proceedings ceased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (KY).
Issue: Problem with customer service

Complaint: On XXXX/XXXX/17 I was notified of a hacking on Equifax 's database. Through their fraud checking website I was made aware that my personal information, including social security card, name, and birthday, may have been compromised in this hack. 

On top of this, after checking with equifax about the chances of your information being compromised, they offer a year of protection for free but in the terms of service it says you waive your ability to file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (PA).
Issue: Deposits and withdrawals

Complaint: Deposited XXXX payroll checks, totaling over {$2800.00}. The teller told me the funds would be available the next business day. Funds are still not available 1 week later despite numerous calls and visits to the bank. At each call and visit, I was told the funds would clear the next day. At the last call three days ago, I was informed that the check would be held for 6 days at maximum. It is now 7 business days in and I have no anser as to when funds will clear. The bank is posting electronic bill payments and calculating a minus balance with imposed late fees despite pending checks. I would like to close account but the bank has refused because the balance is " minus '' despite the {$2800.00} deposit that has not yet cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Other debt) with ERC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I was notified by credit monitoring this debt of {$420.00} by Enhanced Recovery ( XXXX XXXX ) was added to my credit. I already had to file a complaint several months ago against a company that was trying to collect this debt that I had no knowledge of. It was deleted. I have had no contact from Enhanced Recovery in any shape or form just slapped in on my credit and I am about to buy a house. Another collection agency acting illegally and not following FDCPA. I do not owe them or XXXX XXXX any money. They also show this debt is from XX/XX/XXXX and was late 1 month ago. This is the last complaint I will file before I file against them in court

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have contact them on various times when I make extra payment it goes towards my intr. rather then my principal even though payment is already paid for that pay period. I also tr

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 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 am an XXXX XXXX XXXX XXXX currently XXXX overseas. I recently received a copy of my credit report. The credit report showed the CRAs XXXX, Equifax and XXXX are reporting inaccurate information on my credit profile, even after I have sent them thorough proof, that they are reporting inaccurate info. They have not investigated the accounts properly. All three bureaus are in violation of FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX US Court of Appeals for the Third Circuit Court Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( D.C. No. XXXX ). 

I have sent a number of documents proving the following facts. 
I AM an XXXX XXXX XXXX CURRENTLY XXXX overseas Department of Defense Loan for XXXX has been paid off having a XXXX BALANCE since XX/XX/XXXX but they continue to report it as an unpaid collection XXXX XXXX XXXX is a {$900.00} debt that was created fraudulently. XXXX XXXX claims to have sold the debt, yet the company that the account was sold to REMOVED the account from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I received my escrow statement from the mortgage company that acquired our new loan from the originator bank. The escrow statement had my escrow shortage at {$840.00} and listed my county property taxes at {$4200.00}. This was going to increase our mortgage payment by {$280.00} a month. I knew that the county taxes were incorrect. I contacted the mortgage company and told them it was incorrect on XXXX XXXX. They told me to contact the county and then it should n't be a issue. I did this and even printed out the current county tax bill which is only {$2100.00}. I then called the mortgage company back and told them. They advised to fax the bill in and they would tax care of everything. I advised I was trying to take of this matter prior to XXXX XXXX when the next bill would be due. I called back every few days and kept getting the run around that someone was working on it and that they did receive my tax bill. I continued to do this until around XX/XX/XXXX when a rep advised that the case was closed and that they were n't going to do another escrow analysis until the next cycle, which would be XXXX 2017. I told them I was n't going to be paying double my county taxes for the next year to only get a refund in 2017. I knew that they could fix this. I 've been with another mortgage company for over 7 years. So I requested to speak with a manager. A manager finally called me back late that evening. She acted like she understood me and that she was going to get everything fixed. I 've since spoken with her a few times and each time have to re-explain the issues. Today XX/XX/XXXX, she called me back and thought that my complaint was that I had to pay the {$2100.00} on top of the {$4200.00}. I again explained I was being charged double and wanted to get the payment corrected so that I could make my regular monthly payment amount. She again advised that she was trying to get the issue fixed and waiting on new people. 

I feel that they are n't understanding what is needed to be fixed and that this is just going to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: My financial information has not changed in over 10 years, but 18 months ago my wife decided to apply and activate a new credit card. Within 30 days of that action, we began to receive financial junk mail from various financial institutions around the country with offers from refinancing our home to being approved for credit cards. These unknown financial institutions know exactly how many credit accounts we own, a mailing address and sometimes phone number, the exact balance of each of those accounts, and somehow know that my wife is a veteran. 

After several hours on the phone with my bank, I determined that the only other people in the country that it could be would be the credit agencies. Low and behold I found information online that says exactly that, these credit agencies are sharing our private financial information with predatory scammers. 

I can not believe after all the negative media coverage about credit agencies and and stolen identities that they are still allowed to give out this private information. We did opt out for life a few weeks ago, but that is the incorrect solution. It has been proven that people are stealing other people 's identities and creating credit card accounts with the unauthorized junk mail being sent by these financial institutions. We should not have to figure out that we have to opt out of getting our identities stolen. 

I want to know why in this day and age of stolen identities and financial fraud that the U.S. government and the Bureau of Consumer Financial Protection is NOT protecting us from these predatory institutions. Their job is to report credit to specific organizations that WE allow to get our credit history and it 's your job to regulate this. It 's not their job to send out private information about our lives so we can have our identity stolen and our bank accounts emptied by predatory scammers. When will these credit agencies e.g., XXXX, XXXX, Equifax, etc., by law, be required to stop creating business for themselves? That 's exactly what they are doing, creating business for themselves off the backs of unsuspecting American citizen. That is absolutely asinine and fraudulent. I expect this to be resolved and while I 'm waiting for an answer I 'm cc'ing this to my congressman.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: We have not been able to work with XXXX XXXX XXXX and now Green Tree Servicing and have not had a mortgage payment since 2006 when XXXX was refinancing. Green Tree Servicing has stonewalled all our attempts to get a gov't program and/or loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received a notification on   XXXX   XXXX   XXXX     of a new inquiry from   XXXX   XXXX   at  XXXX   XXXX   XXXX   XXXX   XXXX  Utah  XXXX . I called their customer service line at  XXXX  and after being placed on hold by the automated system and again by the first customer service agent,  XXXX , a supervisor that refused to give me her last name, told me that an inquiry was generated for a loan but the application was denied. She refused to tell me who/where the inquiry came from stating that she did not have access to that information. She said that she will initiate a removal of the inquiry but did not give any other information such as how long it would take or what courses of action I had.

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 09/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I attempted to dispute this with transunion, but their online system keeps giving me an error message. 

There is a XXXX account reporting on my transunion report. I have never opened a kohls account. The account number is showing XXXX and I have no idea what this account is. I have never paid on this account because i had no idea it was even opened.

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 09/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BBVA COMPASS FINANCIAL CORPORATION (TN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: several companies also on this list. 

XXXX XXXX simple XXXX XXXX XXXX XXXX XXXX XXXX refusal under regulation Z to reimburse consumer for charges never made or for charges for cancelled accounts that other companies ( 3 insurance and credit bureaus ) are runaway billing the consumer for and will not cease. 

XXXX cardholder agreement says that the charges can be reverse at any time and the consumer has a right to the money. Cards may be reissued, ( wasnt for XXXX XXXX ) however, the consumer is still owed the money and nobody wants to return it. 

I am owed over {$500.00}. because XXXX and XXXX ( XXXX and XXXX own thier cards and networks and issue cards directly ) subcontract they dont care anymore about the consumer.They leave it up to banks and banks give even less a " XXXX XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Mortgage (Conventional fixed mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Against XXXX / HomeBridge Financial Service My mortgage payment is setup the way I have to pay the monthly bill and the mortgage company pays the insurances and XXXX taxes out of my escrow account. The monthly payment is basically a combination of the principal, interest and escrow payments. 

I had been paying all bills on time and somehow the XXXX said that the XXXX tax was not paid ( {$3300.00} ) and XXXX claimed it was paid. This went on until the XXXX put a lien on my house and finally XXXX made a payment again out of my escrow in XXXX. I know the XXXX tax was taken out of my escrow account in XXXX and I have documents to show that. A second XXXX in XXXX ( {$3900.00} : initial amount + late fee and interest ) was refer on my monthly as Utility bill. That payment also turned my escrow balance to a negative as a result they increase the escrow payment with my monthly payment going from {$1300.00} to {$1600.00}. When I first called about this, no one at XXXX knew what that utility was. I called multiple times the XXXX tax office to confirm it 's not other than XXXX tax. My mortgage management was transferred to HomeBridge Financial Service and since XXXX XXXX, I 've been trying to make these people understand that I ca n't pay twice the yearly XXXX tax and they do n't even attempt to listen my side. Lately, HomeBridge Financial Service started to return my monthly payment since I kept sending them what was my monthly payment before XXXX XXXX ( {$1300.00} ). Now, they threatening to drive my mortgage to foreclosure. All I want is for them to answer the following simple questions : Was the XXXX tax paid out of my escrow? If the XXXX did not recognize the payment of XXXX tax, is n't that a problem between the XXXX and XXXX / HomeBridge? Why do I have to pay twice the tax for XXXX? 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Round Pointe Mortgage sold our Mortgage to XXXX Mortgage, and did not notify us. All payments submitted to Round Point have not been transferred to XXXX Mortgage, nor have they been returned to us. This is the 3rd time the mortgage has passed different hands within the last 12 months. The 2nd XXXX mortgage companies did not have my telephone number, nor did they have the correct address. 

Mortgage Payments were sent to Round Point, for the months of : XXXX ( Forwarded to XXXX ) XXXX ( Forwarded to XXXX ) XXXX ( Not forwarded, and not returned to borrow, and not rejected ) XXXX ( Rejected by Round Point ) XXXX, the first lender, had sent us notification that our mortgage would be changing hands to Round Point, to the correct mailing address. However, later no correspondence was received from Round Point or XXXX Mortgage. 

We found out of this change, after our payment was rejected by Round Point, and I viewed my credit report to find XXXX Mortgage. Round Point is now claiming they do not have our payment for the month of XXXX, however, we have bank transaction records stating the XXXX payment was accepted by Round Point, and never returned back to us.

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 03/29/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I received Private student loans from Sallie Mae while attending college. Paying the loan back became nearly impossible, due to unforeseen issues, exploding interest rates, and other financial burdens. 
After several months/years of late payments and exhausted forbearances, I entered into a settlement agreement with Sallie Mae. The terms of the loan were intense repayment, but would relinquish the debt for a lesser amount. I agreed and fulfilled by end of the agreement, even though extremely difficult on me financially. 
Upon completing my end of the agreement, Sallie Mae had become XXXX. XXXX completely disregarded my settlement offer ( which I provided them proof of ), as well as, the fulfillment of the terms stated within the agreement ( also provided proof of payment ). XXXX continues to report these loans negatively on my credit, as well as, my fathers ( who was a co-signer ). The settlement offer includes him in the agreement. These years of negative credit reporting have costs me XXXX of dollars in unnecessary high interest rates on loans I 've been able to get for a mortgage, car, credit, etc. I have been repeatedly declined for credit due to these negative reportings, as has my father. 
I fulfilled my end of the agreement, only to be tormented, harassed, and penalized by this company. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Credit card) with ASTA FUNDING INC. (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have been garnisheed numerous times over the last 25 years. I owed the IRS and any garnishees previous were discontinued. I paid off the IRS and suddenly a garnishee re appeared. The current XXXX is Pallisade Collection are actually the collection agency who bought the debt. It has been so many years I have no idea who. After this I am in understanding that a Palisades Collection who purchased debt is waiting in the wings and placed a judgement XXXX of 2014 which I have no paper work for and no idea who it is for. Any credit cards that I have been garnisheed for are at least 15 years old, probably more. Most of the garnishments on me were placed and I ca n't even begin to tell you by whom and I may be paying debt more than once. I am please asking for this to be looked into and help me if possible. 
Consent to publish the description of what happened? 
Consent providedWhat do you think would be a fair resolution to your issue? 

These garnishees need to be stopped. They are at over double the statue of limitaions in NY State. There is no verification or proof of any kind.

Company response to consumer: Closed with explanation