milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/21/2016 about Mortgage (Conventional fixed mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have been in my home for 18 months. On XXXX XXXX, XXXX the current servicer of my mortgage ran an escrow analysis that resulted in my monthly mortgage payment doubling from {$1400.00} to {$2900.00}. This was reportedly the result of the XXXX property taxes being grossly underestimated in the payment schedule presented to me. I have a 30-year conventional loan with a fixed interest rate. The new payment of {$2900.00} is being imposed over 12 months in order to reimburse the XXXX Escrow shortage and to make the XXXX Escrow balance current. My finances will not allow me to make these substantially increased payments on this mortgage at the new monthly payment. The home I bought was a new construction home direct from the builder and I used a mortgage banker that the builder considered to be preferred. I went ahead and used this mortgage banker to originate and fund the loan and upon closing the deal, the mortgage was sold to another financial institution who now services the loan. At closing, the Title Company included a Payment Shock Notice, which makes mention to an expectation for bills to increase substantially and my monthly escrow payment could be much higher. These terms are very ambiguous and the increase I experienced is not substantial, it is tremendous and I feel, in no way should be considered reasonable to impose on a consumer. My inability to afford this new payment will cause me to immediately default on the mortgage, it will cause financial turmoil, and will cause immeasurable disruption to my family. It appears that there was an error on part of either the mortgage banker who wrote the original loan, or the current mortgage servicer that took over the loan. This situation is absolutely unreasonable, and my family is the victim of a massive mistake that was made by a professional organization that we trusted to handle the transaction of purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Synchrony Bank, hereinafter  ( " Synchrony '' or " Furhisher '' ) co ntinues to report a " phantom debt '' on my credit reports.  Synchrony admitted  both A ) It has no consumer-signed application for credit on file, an d B ) It has no consumer-signed contract for debt on file. Being that Synchrony failed to respond to Consumer 's Fair Credit Reporting Act ( " FCRA '' ) 623 request with the documentation ( it admits it does not have ). Synchrony can not claim to have sold, transferred, or assigned such phantom debt, because it does not legally exist. The party Synchony claims to have sold said alleged debt to ended up deleting its trade line due to the lack of the same documents requested in the above-identified request. *DIRECT THIS COMPLAINT TO SYNCHRONY BANK ONLY*

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 08/22/2017 about Mortgage (Conventional home mortgage) with CORELOGIC INC (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I had did a inquiry about refinance my house and getting some cash to pay off of credit cards. This was just inquiry, they said it would not affect my credit score just doing inquiry. My account with my mortgage company was finally good. This company had told me that I had already paid hundred thousand with my mortgage company. I did not give this company ( Credco ) permission to check my credit. Thanks, 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
Consumer complaint received 10-08-2015 about Credit reporting () with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I gave a 30 day notice by fax and calling the apartment comlpex XXXX on the XXXX. 
I have called them and called and there telling they have no record. This has become a very frustrating. I dont know what to do at this point ... sorry but i need help ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery Associates i s falsely validating a debt in the amount of {$1500.00}. They are reporting this false information to all three credit bureaus. Portfolio is also using fraudulent collection practices to collect on false debts. They issued me a Check in the amount of {$30.00} and asked me to sign the back of it and cash it. I do n't recall such claim that should result in a check being issued to me and requesting my signature. They stated on the check that is for a litigation I am receiving a refund and that I must sign this check and negotiate it.  Claim number:  XXXX  Ch eck Number:  XXXX  Check Amount {$30.00} Check Date  X/XX/2017   . There is no such claim that I ever participated in. I received this check after I disputed a false account that they are trying to collect on. The are saying that it is a settlement approved by the court. I requested Validation of a contract with my signature on it for the account that they are reporting in the amount of {$1500.00} They have NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it as required under Section  609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A  ) of the FCRA they are required to promptly DELETE all information which can not be validated or verified.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Consumer Loan (Vehicle loan) with GRYPHON CORP. (MN).
Issue: Problems when you are unable to pay

Complaint: in a bankruptcy and disagree with the amount stated that I am behind. my attorney left a msg XXXX no return call to her and motion was granted before speaking with my attorney. payments were being made and sent to original lender and not be forwarded on in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The XXXX XXXX XXXX XXXX XXXX is not reporting on a monthly basis they are behind about a month in reporting my current balance to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Vehicle loan or lease (Loan) with BB&T CORPORATION (FL).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX v.XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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
Consumer complaint received 02-08-2018 about Debt collection (Payday loan debt) with NPS GROUP (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a call at approximately XXXX hrs on XX/XX/2018 about a debt that has been charged off. The caller, XXXX XXXX has called me attempting to collect debt for other companies who I didn't owe or companies that I never even heard of or conducted business with.

Company response to consumer: Untimely response
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax let my information be stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Many things but the most recent is after being denied a modification for many reasons and 4 years of being abused and tortured I finally received one in XXXX 2014. I was given a XXXX/XXXX arm. I had numerous questions about the documents but was told if I do n't sign them like it 's written they would take my home. After over 1 1/2 years of making modification payments I receive a statement in XX/XX/XXXX that that said I owed back escrow and my payment will go up almost {$300.00} which is now more than I was paying before the modification. I have not paid the extra money because I think what they 've done once again is illegal. But they are now charging interest on the amount I 'm not paying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Using a debit or ATM card

Complaint: I made an ATM deposit last week thursday, XXXX XXXX. The Capitalone ATM malfunctioned, ate my cash and card. Capitalone 360 reps first stated that within 1-2 business days it will be resolved. It has still not been resolved. The bank is now stating it will take 45 days to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and some stole my identity and used my personal information to apply and open up the following unauthorized and fraudulent accounts accounts that are not my accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, US Department of Education, XXXX, XXXX XXXX XXXX. I filed a police report with the XXXX XXXX Police Department. The police report case number is : 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 non-monetary relief
Consumer complaint received 09/13/2017 about Mortgage (Conventional home mortgage) with FLAGSTAR BANK, FSB (TX).
Issue: Struggling to pay mortgage

Complaint: Bottom line : I have worked with Flagstar Bank to resolve an ongoing issue about an exorbitant increase to monthly mortgage amount for the past 3 months -- to absolutely no avail or remedy. My monthly mortgage amount was {$880.00} since I 've had the loan -- and it jumped to {$1700.00}. ( With escrow spread over a longer period, it 's at {$1500.00} which was an immense struggle for me to pay this month. ) This is still entirely insurmountable for me as single mom, as it 's almost double what I 've been paying. Flagstar forced escrow, even though I had made payment to my property taxes and flood insurance. I paid {$5300.00} for property taxes -- but we paid the county at approximately the same time, so they then forced escrow. Flagstar representative XXXX XXXX said perhaps loan modification would help. I went through that process, wasting 2 months of my time -- hoping and praying that I could get a lower payment so I could actually pay my mortgage and feed my son. Then, Flagstar said that I had been DENIED loan modification, because I 'm " current '' on my loan. What on earth?! What kind of help is that? Of course, I want to be current and I do n't want my credit jeopardized! That 's the precise reason I 'm turning to them now is to work out an amenable payment plan -- and NOT WAIT for when I 'm delinquent, ruining my credit. That 's ridiculous -- and not a reasonable, prudent way to do business. I can not afford this monthly mortgage amount, and Flagstar is not working with me in a real way which will help provide a remedy for my family. I am trying to be proactive, and not spiral out to delinquency. This is not wise. I want to restructure this now BEFORE I get to a point of delinquency -- that 's the smart way. They need to work with me on a real loan modification that is approved and works for my budget. I need to be contacted immediately to see how I can rectify this. This is payment, effective as of XXXX, 2017. Please contact Flagstar at 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
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: This is a judevent that has been removed from all other XXXX and XXXX. The account is also over 7 years old.. I have spoke the customer servicell also. customer service would not help and take care of the negative reporting 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 non-monetary relief
Consumer complaint received 08/23/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Trouble during payment process

Complaint: Before XXXX took over my loan I was with SPS ( Select Portfolio Servicing, Inc. Loan # XXXX ) They did a loan medication for me please see attached documents for proof. Apparently when my loan with SPS was transferred payments were missing to XXXX that were not and paid. On XXXX XXXX, 2014 When I spoke to Nationstar from accounting department he noticed that SPS did not send my loan medication documents and a lot of documents were missing including payment history when the transfer took place. When I spoke to XXXX they were not aware that there was a trial period for a Loan modification and approved before the transfer. In the meantime, there were payments and escrow missing which should not. I was told XXXX didnt receive XXXX, XXXX, & XXXX 2014 payments. Of which Proof of payment history showing XXXX and XXXX 2014 was paid to SPS. When XXXX payment was mailed to SPS Ck # XXXX I was told by SPS that they received this payment and will over nigh it to XXXX tracking # XXXX. At first XXXX told me in XXXX 2014 that they did receive the XXXX 2014 payment and even gave me the check number. After 3 weeks when that check didnt cash I called XXXX and was told they did receive the payment, but dont know what happen to it and if I can put a stop payment on it. Well the next day I received from XXXX a letter with the check stating they are returning it because they dont know where that payment belongs too. So on XXXX XXXX, 2014 not only I wrote another check # XXXX replacing ck # XXXX I also mailed XXXX 2014 payment. So Since XXXX 2014 no one has done anything to correct this issue. From XXXX 2014 till XXXX 2014 I was harassed every day or 2nd day that there is payment missing and my account is past due. Each time you get a different person and I had to explain no when they check my account they see notes and tell me we see proof of payment, but we are very sorry no one has done anything with this. I was harassed and was told research will be done and corrected no one did anything. I was told this will take up to 30days to fix the problem. In the mean Time Im being harassed with phones calls and receiving forecloser letters. On XXXX XXXX, 2014 I was harassed so much and stressed out so much from XXXX irresponsible and unprofessional staff that it caused me to go to the ER with a XXXX XXXX of XXXX that they immediately took me in to give me medication thru the XXXX to bring the XXXX XXXX and not cause a XXXX XXXX. And yes XXXX did call me in the morning on XXXX XXXX, 2014. I have  no problem providing proof of documents that I was at the ER that day and what my XXXX XXXX was. As of today I still have not receive reimbursement back for over payment that I was forced to pay to avoid foreclosure. Please help me get my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (MD).
Issue: Settlement process and costs

Complaint: On XX/XX/2016 I was going to settlement on a beach property. My daughter and son work in XXXX and this would be my wifes XXXX summer there. Suntrust XXXX XXXX at XXXX we went to XXXX XXXX And XXXX XXXX was third party to over see signing. XXXX. XXXX told my wife an I we would not be going to settlement. XXXX said she did not have a disclosure from sale of my condo, taxes were not pre paid approx XXXX, and we owed XXXX XXXX XXXX and XXXX XXXX from were XXXX funds were coming from. After XXXX hours of calling XXXX XXXX in the Suntrust XXXX office she told me right away she was calling her legal dept. At Approx XXXX XXXX her boss and XXXX in XXXX Va did a XXXX way conference call. XXXX XXXX XXXX explained it was a problem. I needed XXXX approx in XXXX cashiers checks to close that no one told me about. Went I brought up the word Attorney Suntrust Bank XXXX XXXX and her boss hung up. XXXX at XXXX said XXXX XXXX I know who you are and Suntrust did you wrong. XXXX XXXX at XXXX XXXX said I have never seen anything like that. I then reached out to XXXX XXXX at Suntrust who offered me XXXX to close this issue. XXXX XXXX of the Suntrust resolution team offered me a XXXX in writing to drop it. I am out XXXX and XXXX at XXXX dropped her loan fees saying this was wrong. XXXX XXXX at Suntrust told myself and XXXX XXXX my partner they were wrong. XXXX XXXX phone XXXX. Also XXXX XXXX was my loan processor at Suntrust and on Tuesday at XXXX. she said she would have XXXX XXXX call me which never happened. This was the Tuesday prior to the Friday XX/XX/2016 settlement date. I found out later about the 72 hour no changes to loan law. Suntrust played me like a fiddle. 
I need your help XXXX XXXX XXXX Suntrust offered me XXXX then XXXX to settle after this incident. They said I was approved to {$200000.00} and XXXX XXXX told me the settlement would be adjusted.

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 06/17/2017 about Debt collection (Medical debt) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: The account is invalid and I communicated that to the debt collection agency over 3 years ago. They were unable to provide any documentation to support the claim that {$2000.00} was owed. My medical insurance company XXXX paid the XXXX bill in full, and continued to be billed after services were completed. <P/>Fidelity Creditor Service filed a lawsuit against me. Failed to ever serve me, however filed a false proof of service in XX/XX/XXXX. A summary judgement was issued against me in XX/XX/XXXX. I was not notified of any of the proceedings. <P/>I received a garnishment letter from my employer on XX/XX/XXXX. This is the first time I was made aware of any lawsuit or judgement being filed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Mortgage (VA mortgage) with NVR INC. (NY).
Issue: Application, originator, mortgage broker

Complaint: Purchasing A NEW home.XX/XX/2016 got all the required paperwork to them timely. rates at the time were 3.25 or 3.74 no higher, We got preapproved prior to our additional deposit of XXXX on the balance. NVR Mortgage the company of the builder sat on our application for two months, until the rates went up and failed to include the additional sum they received or the fact that we asked for 15 year mortgage loan back on XXXX XXXX, 2016. Please help us. My husband is a XXXX Veteran and was approved for a VA loan. This is unheard of that they have not yet given us a 15 year mortgage or they have recalculated the loan subtracting the large sum, they initially stated they never received.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Credit co reflecting XXXX is 60 days late ... .it was totaled and paid off by insurance and GAP insurance. XXXX claims they were short paid by GAP insurance, chasing me for money.

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