milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/30/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced with XXXX XXXX and received notification from then that my loan was transfered back to Seterus for my XXXX XXXX, 2015 payment. When I called Seterus to find out about payment options they had no information regarding my loan. To save myself the headache of not knowing what to do I paid my XXXX payment early to XXXX XXXX. 

I received an XXXX mail package from Seterus around the XXXX of XXXX with information on avoiding foreclosure and a packet to fill out. My mortgage was not late nor in a position for foreclosure so I was confused. When I called Seterus the representative insisted that it was a welcome packet and nothing to do with foreclosure. I insisted that it was not a welcome packet and was basically told that I did not understand what I was looking at. 

The welcome packet came the next day. I called back next day and was told there was nothing they could do about the way my call was handled the previously but that the XXXX mail package I received was something they send to everyone and that I should just ignore it. 

On the XXXX of XXXX I activated my Seterus account with my new loan number and signed up for Auto wthdrawals. The information on the auto withdrawal page said my XXXX payment would be withdrawn on XXXX XXXX. 

Today, XXXX XXXX, I checked my account information online to confirm that my XXXX XXXX payment will be processed and I could not confirm so I called customer service. I was told that they did n't show any pending ACH but that I should call back after XXXX XXXX to followup. I voiced my concern that is after my payment is due and was offered other payment options, none of which would guarantee that my ACH might not hit as well. 

I could not get any response on who processes the ACH requests, whether or not my ACH was received and just in process or how to prevent the possibility of double payments for XXXX if I used any of the other paymen options since they could not find any confirmation of what was going on with my ACH request. I spoke with XXXX XXXX, Customer Service located in XXXX, NC. today XXXX XXXX, at around XXXX. 

My experiences with Seterus so far in regards to my loan so far makes it seem as if they are focusing on putting road blocks in my way to force me to make my payment late. First, not receiving notification of my loan transfer that was effective XXXX XXXX until XXXX XXXX. Secondly not giving me a clear answer on the status of my ACH processing and if my XXXX XXXX payment will be auto withdrawn as indicated on the online submission but instead telling me to call back after my payment is due. Per the representative there was no escalation process for additonal help and callig back or using XXXX of the other payment options with the chance of a double payment were my only options. I am very concerned about the timeliness with which Seterus has handled my mortgage information and that I am not getting correspondence from them until after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Making/receiving payments, sending money

Complaint: I was having dinner tonight at XXXX XXXX and tried to settle my bill for {$160.00}, my TD Bank card was declined. I contacted TD bank customer 's service line, instead of the service representative to me my card was blocked so I asked her to unblock my account and I requested to speak to a supervisor and was placed on hold for 10 minutes. The supervisor came on the line ask me to verify my identity and ask if I can authorise the transaction and I told her I already have with the call representative, but she did not and hung up the phone. I called back spoke to another representative and told her what happened then she hung up as well! So I called again and finally had the block taken off and the call representative was rude and did not care how this ordeal affected me so she hung up the phoe on me as well. Please do not use TD bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-06-2016 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I bought our home XX/XX/XXXX at which time we paid {$170000.00} and it was appraised at {$220000.00}. With the equity in the home we knew we should be very close if not past the point to be able to have our PMI removed from the mortgage once we made our XXXX payment this past XXXX XXXX. I contacted the bank to get the process started and they denied me by stating that I would have to provide proof of substantial improvements in order to be considered before having made 2 years of payments. I submitted to them work orders and receipts of installing a brand new heat pump system into our home. The house previously only had base board electric heaters and central air. This new system comprised of removing the old A/C system and placing a new air handler and duct work that ran through the basement in order to maximize efficiency and has since decreased our annual electric usage by about XXXX % and saved us almost $ XXXX/year in electric. We spent near {$19000.00} for this system and I understand all that would n't equate into new value for the home but it would have to add some value and make it more attractive if we were to ever sell. We have also added a new door to the basement which was n't there, we have replaced 27 year old wooden windows with upgraded XXXX triple pane windows as well as many other various small improvements. The bank denied me submission stating there was no sufficient work done. I immediately appealed and told them I would take my business elsewhere and they quickly accepted my appeal for a re appraisal. I sent them a check for {$450.00} as requested to pay for an appraisal. The gentleman who came to our home was rude and made a joke of our home whenever I talked about things we had done. He acted like our brand new heat pump was junk and made fun of us for it. His appraisal came back at {$190000.00}. I immediately appealed the appraisal and stated to them since we bought our home the local property values have gone up and our county 's XXXX has changed from 1.26 to 1.29. Plus the major improvement of installing the heat pump it is n't logical for the value to go down, especially not by {$31000.00}!! I attached my original appraisal which has the sale comparisons and they returned my appeal and said it was n't valid because I did n't specify what updates have been done to be considered, which I have said 5 times through this process with them. Somebody has committed fraud against us, either the original appraiser in order to help the bank close on the property or the XXXX appraiser in order to make sure I ca n't get the PMI removed.

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 06/30/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (DC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My students loans are with XXXX. 
I attendedXXXX XXXX University. 
This company is not friendly, and I pay monthly butmy loans continue to go updue to the interest rate. 
They do not have anysolutions to help meand my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I had mortgages Bank of America For the last twelve months they have misrepresented that they would modify a line of credit as my husband and I has lost our jobs. They refused to take any monies from us during this time even though we were trying to become current. The after they kept stringing us along for 8 months. 
They denied the remodification and foreclosed on us even after we brwd the money to pay. 
after t

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 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, XXXX, Equifax Inc. announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a vulnerability on a U.S. website application to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from XXXX through XXXX XXXX. 

The information accessed primarily includes names, Social Security numbers, birth dates, addresses, and in some instances drivers license numbers. In addition, credit card numbers for approximately XXXX XXXX consumers, and certain dispute documents with personal identifying information for approximately XXXX U.S. consumers were accessed. 

I went to the Equifax website and ran my information under 'Am I Impacted? '. Based on the information provided, Equifax believes that my personal information may have been impacted by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: For over a year I have been writing and disputing 30 day delinquency with BB & T. I also went into one of their banking centers and Noone could help me. It 's sad when consumer pay bills consistently online and something apparently happened on their end that caused me to show XXXX delinquency mark. I am frustrated and tired of financial institutions taking advantage of people like myself. This is effecting me negatively. They need to correct the reporting of this information. I have NEVER been late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (OH).
Issue: Trouble during payment process

Complaint: I had to file for bankruptcy due to a serious medical illness which left me XXXX, I do not have an attorney because I could not afford one ( 'XXXX XXXX ' ). Since XXXX XXXX I have been attempting to get a re-affirmation agreement from XXXX XXXX XXXX. The bankruptcy judge gave me an extension until XXXX before my discharge would be applied. 
Every time I call XXXX they give me the run around about why the re-affirmation agreement has not been issued. I have called every week since XXXX XXXX, XXXX. I was told it would be mailed out on XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and the XXXX, then the excuse was we can not get the screen shot to send out the re-affirmation agreement. Every week it is a different excuse, we are under staffed in the bankruptcy department. I have heard it all. Now time is of the essences, I have a date for the final discharge on XXXX of my bankruptcy and I still do n't have the re-affirmation agreement for my mortgage. 
Then, I called XXXX XXXX XXXX  attorney XXXX XXXX XXXX, and spoke with their attorney XXXX XXXX below is their contact information ) : XXXXXXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX explained to me that she had prepared the re-affirmation agreement on XXXX XXXX and she had not received it back from XXXX as of yet. She would contact them to find out what the problem is. This was on XXXX @ XXXX pm when I first spoke to XXXX. I spoke to attorney XXXX on XXXX at XXXX am and she stated she still had not received the re-affirmation agreement and she was going to call XXXX and find out what the problem is. She did call me back and was told the bankruptcy department is behind about 6 days, due to being under staffed. 
Moving forward to XXXX, I have still not received the re-affirmation agreement from XXXX. I have been doing my due diligence for over 90 days trying to get this unprofessional mortgage company to provide me with this re-affirmation agreement. They are attempting to force me to obtain an attorney to handle this matter, when they know financially I do n't have the resources to pay for one. 
This mortgage company should have to follow the bankruptcy rules and regulations, which they are not complying with. I need your help in dealing with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Debt collection (I do not know) with Niagara Credit Recovery (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I was contacted by a company called Niagra Capital Recovery and they gave a phone number of XXXX. They left a message stating that they went to my house to serve me papers and since I was not there the suing party was going to take action without my knowledge ( which I think is illegal - I think you must be served papers and that they make multiple attempts to do so ). If I did not call today they would get my wages garnished without my knowledge and it could result in jail time. They gave me a case number. I called the number and got voicemail which is very strange since I called XXXX and most debt recovery places are open until at least XXXX XXXX. I explained I wanted proof of the debt before anything happened but no one called back. I keep getting phone calls ( from what I think are the same people ) at my job and once they find out it is me on the line they just hang up. It 's kinda scary. I looked them up online and no legit business website exists and many have reported them as a scam. I pulled my credit report after and did not see them listed on there.

Company response to consumer: Untimely response
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i have addresses and names on my reports that are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i have tried talking to XXXX about items on my credit file that dont belong to me and they keep giving me the run around i even hired a lawyer to help me remove these items off my credit file, i just cant deal with XXXX any more so im here with my complaint..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 07/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have an American Express XXXX XXXX credit card. I was told after spending XXXX in the first 3 months I would receive 100,000 points. I spent that in the first 3 weeks. I waited about 6 weeks and called to see why I have not received my points and I was told that I should have. Well guess after 3.5 months no points and 4 phone calls. One person started a dispute waited a week and then was told that was wrong so now I have filed a complaint. I was told it would be expedited. 12 days later I call and am being told I have to wait 3 more days. Everyone can see that they are supposed to give me 100,000 points but no one will do anything about. This is the worst customer service and I feel I was misled into using their product. I have put about XXXX on the card. I have other cards with them and have never been late. I just want my point and move on. I have spoken with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Using a debit or ATM card

Complaint: I opened a checking account with Bank of america ( BofA ) on XXXX/XXXX/2015. I did it because Bofa offers the possibility of no international fees when a client uses affilliatted banks out of the XXXX. I specifically asked the costumer service Rep ( XXXX XXXX XXXX ) who took my information to check this for me. He confirmed that in XXXX as well as in XXXX I could use ATM without penalty if they were from The XXXX Bank. Prior to my departure I again called to reconfirm the affilliatted banks in XXXX and XXXX. I spoke to XXXX - Costumer service- on XXXX XXXX 2015, and again I was told that I could use XXXX bank to make withdrawals without being assessed a fee. I travel to XXXX between XXXX XXXX to XXXX XXXX. 
To my surprise when I received the checking acct. statement for the balance beginning XXXX XXXX to XXXX XXXX I noticed that I had service fees for withdrawals made at XXXX Bank in XXXX and in XXXX. Immediately I contacted Bank of America to dispute those charges and Spoke both to XXXX as well as XXXX on XXXX XXXX, 2015. XXXX mentioned that Bank of america used to have that bank as affiliated in XXXX and XXXX but that it had changed and that XXXX Bank was no more affiliated with the. She told me that as a courtesy they will remove XXXX of the service fees assessed but the others will remain. She told me that was all she could do and that I should do whatever I need to do. 
My complaint is that I should not be assessed any service fees for this withdrawals since I was very clear in asking XXXX different people from BofA about giving me the information about overseas fees and both mentioned XXXX Bank as affiliated in those countries.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/21/2017 about Mortgage (Other type of mortgage) with Real Estate Solutions (CA).
Issue: Struggling to pay mortgage

Complaint: Hello my name is XXXX XXXX XXXX I have problems with this company real state solutions on XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX I was told from them that they will help me with my modification and they did n't do it ... They told me is better for you to sale your home so ... I ask no no. No. That 's why you are helping me ... If you not doing nothing please give me my money back and they say no we are not going to give you the money back I say to them but you told me ... If we can not help you we are going to give you the money back ... .. The bank were I was diposit the money is chase # XXXX I was diposit {$500.00} evry month .... Please help me I need your help thank you

Company response to consumer: Untimely response
Consumer complaint received 12-02-2016 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Sir and/or Madame : As a senior citizen, I would expect not to be taken advantage of especially with something as serious as a mortgage. I have as of yet to be given an accurate, ongoing accounting of my mortgage loan. When I have asked questions, I have been given incorrect and/or incomplete information. " The year 's end analysis '', I was told would clear up all my questions. It has not. Please help with the following : I was initially informed that the mortgage insurance would be stopped after a few months Itemization of Amount Financed / Settlement Statement Return of the per dieum I was erroneously charged The money I returned from FHA repairs Insurances cancellation and accounting for XXXX Bank - accounting, request for loan payment in full XXXX. - accounting, letter of transfer XXXX - accounting Roundpoint Mortgage Servicing Corporation - accounting

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 07/29/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I consulted with HUD counselor in XXXX 2015 regarding options to lower my mortgage payment. In XXXX I received a letter dated XXXX/XXXX/15 from Bank of America ; stating that XXXX XXXX would be my dedicated Customer Relationship Manager. I then received letter dated XXXX XXXX, 2015 congratulating me on being approved for Trial Period Plan, but I would have to return signed trial period plan and requested documents. I did not sign Trial Period Plan, nor did I submit requested documents, as I did not want to move forward with the modification or Trial Period Plan. In XXXX 2015 I spoke with XXXX XXXX directly ; letting her know that I did not want the modification, as is it would add time onto my mortgage. She stated, " it is already in the works ''. When I questioned how this was possible without my signature, she responded, " we assumed you wanted to move forward ''. I have continued paying my regular mortgage payments, yet there is a code on my account which delays the payment from being applied directly and results in reversals of late fees and unapplied funds. It appears my account is in the Trial Period Plan, although I did not sign or provide documentation requested to move forward with the modification trial period plan.

Company public response: Company chooses not to provide a public response
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 reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2017, Equifax announced a cyber security intrusion that has exposed personal and sensitive information on me. 

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. Even then the website used to identify if your information was exposed was disorganized, often not usable, and very frustrating to attempt to use. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs, FOR FREE, as a result of negligence in handling personal and sensitive information. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. Equifax has known about this issue for over a month and has now only chosen to notify the general public and those like myself.

Company response to consumer: Closed with explanation