milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/27/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MN).
Issue: Trouble during payment process

Complaint: Ditech financial continues to scam their customers. Recently, they raised my late fees from XXXX dollarsa few months ago to $ XXXX the last few months and now it is $ XXXX I just found out on their website. They have never notified me of the increasing late fees. They increase the late fees at will, in order to make you appear to be behind on a payment or not have paid a " full payment '' so that they can put the payment in unapplied funds. How high will they be allowed to randomly increase late fees? It used to be that a late fee was part of the contract I signed with my mortgage company and enver increased. With Ditech though, they will increase the late fee significantly whenever they feel like it. They have harassed me with things of this nature ever since they took over my loan from XXXX XXXX XXXX. They are harassing me now because I filed bankruptcy and they want me to do a modification. I will not do a modification. I gave them one chance for that and they played games by refusing to send me a form I needed to fill out. They also can know that I will not do a modification that is more than 30 years and will not lower my interest rate. They are wasting paper. I do not believe they should be able to increase a late fee randomly like that without notifying me in writing. Nor should they be able to increase the late fee to make a payment amount incorrect. Also, they purposely scam people on their statements being inaccurate. Currently, they are unlawfully holding $ XXXX in unapplied funds because I was unaware my late fee went from $ XXXX to $ XXXX. Still, the $ XXXX is more than the $ XXXX and should be released. They constantly rip me off on my mortgage interest deduction by holding finds in unapplied funds, unlawfully. Please hold them accountable for violating the law. Also, they should not be allowed to raise late fees on a monthly basis. This is XXXX  and I hope Ditech company XXXX and XXXX XXXX XXXX XXXX XXXX where they belong. XXXX, Cheats, frauds. Also, I am supposed to speak with reps in the bankruptcy department. They are never there, nor do they ever return phone calls. I do not believe these reps are actual people. Many times their voice mailboxes do not work. I have not once ever received a call back from these people that I am REQUIRED to talk to. I highly suggest they get their XXXX in their office and on the phone if they are not fake identities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I 'm here to complain about Equifax 's handling of the credit reporting data in the recent breach. 

Beyond just complaining about my private data being compromised, it 's my understanding that my details were compromised over 45 days ago and the hack is only now being made public and addressed. 

Furthermore, I feel doubly violated - suspicious activity in the stock market indicates that Equifax executives attempted to trade on insider knowledge. I own shares of funds that invest in Equifax. I feel I was defrauded ( as part of my mutual fund ) into paying an unfair price for shares of a company that executives knew was about to plummet, and illegally dumped at my own personal expense. 

I have spent my entire adult life trying to improve this company 's assessment of my ability to handle my fiscal responsibilities. This breach comes immediately after 12 years of my personal journey in repairing my own credit, since I was XXXX years old, and upon paying my debts, earning a XXXX credit score, and beginning my journey as a XXXX investor, my first paycheck large enough to begin investing in my future -- they subsequently robbed me of it.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (NJ).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: On XXXX XXXX I had a cashier 's check mailed to me and I went to my PNC Bank to cash the check. They cashed it. The check amount was {$1300.00} to go towards a XXXX XXXX XXXX I was selling. {$300.00} of that was for my XXXX XXXX XXXX and the rest was to be transfer from XXXX to XXXX. The man that sent the check was named XXXX XXXX. The transfer was to go to an XXXX XXXX, XXXX TX XXXX. On XXXX XXXX XXXX XXXX XXXX sent another Check in the amount of {$1600.00}, he stated the check was not enough for the movers to come get the bed. Now this check was shipped XXXX witha different name ( XXXX XXXX ) So I went to my XXXX XXXX to cash that one and the same teller that deposited the last check was doing what she needed on the computer and then she said hold on for a moment please. She went and whispered to another teller and then came back and said I can not cash for you, she stated I could go to XXXX XXXX XXXX where the check is issued from. This bank teller never told me my account was empty? in the red! So while I 'm almost out the door one of the rep 's stop me and I told her what 's going on and then left. Well she checked my account and called me. My account was wiped clean. She stated the check never should have gone through because it was a cashier 's check and they have to be signed, not stamped like this was. So, I went to the police, filed a complaint with the XXXX Nj Police. I then proceeded to call a supervisor of PNC, gave her all the info. Her name is XXXX XXXX XXXX. She got back to me and said the bank can not help me. I have no Christmas with my Family now. I am unable to do my food shopping for the month. I live on XXXX. The bank wants me to pay all the money in the red {$1100.00}. How can I? We are supposed to be able to trust our Financial Institute to keep our money safe. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is a company that bought a bad debt of mine from the past. I already paid the price of it hindering my credit the first time when it was with the original creditor why are these companies allowed to continue to buy it and place it over & over on our credit. If we as citizens have a bad time in our lives and are trying to repair and move forward why are these types of things permitted??

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Unauthorized Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Roundpoint took the XXXX 2016 mortgage payment from my account even though it transferred the loan to another servicer in XXXX. When I realized this had happened, I called to ask. They have been saying for 3 weeks that the payment is on its way to the new servicer, but the new servicer had not received the payment as of XXXX XXXX. I requested some sort of control/wire/transaction number to proof that they had sent out the payment and were not just sitting on it, but they have refused to provide any proof. Their only response is to keep waiting ( even though it 's been 3 weeks and they think it 's believable that mail takes this long within the US ). Given this company 's terrible reputation, I 'm very concerned that I might lose my money or not see it again in months. Please help me.

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 10-07-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: Bank of America froze my loan. They, the home equity line of credit division, told me that my house had lost equity. Therefor they had to freeze my loan. I got comps showing that my house had increased in equity. Then they said that my credit report was not good. I got copies. They admitted to me and to XXXX, loan officer at Bank of America, XXXX XXXX, California, that my credit was good. And it is. Then I received a notice saying that I had material changes in my financial circumstances and they would have to freeze the loan. This, freezing my loan, took place in XXXX, XXXX and has continued since. 
I asked to see a signed copy of my contract. They do not have one. They have stalled on this now for nine months. I had insurance should I not be able to pay my loan. They said I had cancelled it. I asked for a signed copy of such a cancellation. They do n't have one of course. 
They have also claimed that they had to freeze my loan because of liens. Those liens were on my home since XXXX, well before I established the line of credit. 
I have continued making payments, have asked for proof. Every conversation I have with them tells me that they intend to take my house and they will listen to nothing. Here 's the thing : The comps say that my house is valued at {$230.00}, I currently owe only {$22000.00}. My realtor, as I have my house up for sale, represents bank of America with foreclosures in my area. She claims she has seen B of A do this same scam with others. 
So ... I had arranged to leave the last {$3000.00} untouched and use for payments. The bank has put unnatural pressure on me by freezing my loan. 
So what happened next.? First they charge me late fees when there are n't any. ( I have made sure XXXX XXXX B of A monitors all my payments now. ) They have raised the amount of pay back to XXXX rather than XXXX or 31 days three months in a row. XXXX has practically yelled at them over the phone telling them they ca n't do that. XXXX XXXX used to work in B o A loan department. ) An employee in the department confided to me that they should n't be doing this to me. Her name is XXXX. XXXX I had a recording. XXXX, XXXX of B o A XXXX XXXX fought for me. Just retired. He thought what they were doing was ridiculous. 
Next I get a letter from B of A saying that my loan expires on XXXX, XXXX and I will either have to pay back loan in full or I will be paying much larger payments per month. This last loan began in XXXX. And already I have to pay it back in large sums. 

My issues are XXXX those listed at the bottom of this page : Making payments, signing agreement, problems when you are unable to pay..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing statement

Complaint: I got a tax form mailed to my address with out filing with XXXX XXXX and im wondering if some one took a card out in my name please contact me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Wrong name on my credit report ( XXXX XXXX XXXX ) is not my identity and would like dispute the name and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Student loan (Non-federal student loan) with UNITED GUARANTY CORPORATION (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Defaulted on my loans from the original company. They told that all my defaulted loans were taken on by one collector. Then year later tried telling my had another loan I still owed on, and they never gave an answer Original loan company lied about how many of myany I had stop paying because do n't know what I really owe. So as far as I 'm concerned I 'm not paying anymore

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Back in XXXX I co-signed for my daughter to obtain a student loan for XXXX school. The original loan was for XXXX. Today it was brought to our attention that she still owes XXXX on a XXXX loan that she has been paying off for the past 9 years. I spoke to an agent at Navient and they say the loan will be paid off in XXXX. Now that is 17 years of paying XXXX per month, which she has been doing for thee past 9 years. According to our calculations, we are paying XXXX in interest on a loan that was initially XXXX ' I went round and round with these people and they disgust me the way they are ripping us off. What can be done, if anything, to resolve this matter? Is n't it illegal for a company to charge that much interest? The interest rate on the said loan is 9.25.This means that we will be paying XXXX for borrowing XXXX. The school that she attended was The Ohio XXXX XXXX XXXX XXXX. The original loan was through XXXX XXXX and when they closed Naviant took the loan over.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Other

Complaint: I spoke with Kohls/Capital One about my charged off credit card. I came to an agreement with them of 60 % of my full balance which came out to {$350.00}. I asked them if they can provide me something in writing prior to me making the payment. They said " we do n't provide that because people would sometimes get it, then never pay ''. I then asked if they can just fax or email me something stating that they agree to settle the balance for 60 % and report it to the XXXX credit reporting agencies as paid in full for less than full balance. They said they will report it as a XXXX balance to the XXXX credit bureaus and it will be paid in full for less than full balance, but they can not put that in writing until after the payment is received. I then said ok and made the payment. I then asked for it and he said that i needed to wait a couple of days until the funds cleared. I said ok and called back 2 days later. They confirmed receipt of the funds but said the only way i was able to see a XXXX balance was to login to my online account and print the transaction history. I tried that and it said that my account is closed and can not access the transaction and payment history. I called Kohls/Capital One back and they said that I still had a {$230.00} and some change balance!!! I am very upset because they said that I would be able to get the balance paid in full for less than full balance. I spoke to another friend and they are going through the same thing with them. 
I decided to call a lifelong friends son that works in the XXXX and signed a power of attorney with him. He called and let them know what they are doing is against the law. He also ordered them to pull up the tape of the customer service representative and have a manager listen to it. He also requested his conversation with them to be recorded and asked them to have that recording ready for the Consumer Financial Protection Bureau. He then asked me if I was comfortable with coming on here to this site and fling this complaint. I do n't know why these people take advantage of me but this is absolutely hurtful because all i am trying to do is purchase a home and this is what i need to do. Next step is to hire my attorney to take them to court for loss of my earnest funds on my home and for damages. I will be calling them again Monday and if this has not come to a resolution by then I will have no other choice in doing so. 

Thank you for listening

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-07-2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I pruchase a years insurance with Original creditor : XXXX XXXX XXXX XXXX paid for a year upfront then XXXX months later they billed me for more i called them told them i paid the amount on my bill for a year they have no agreement with me for addituinal insurance but stil try to bill me for something i did not agree to then they cancel the insurance i paid XXXX XXXX for XXXX year and sent the additional bill for XXXX dollars witch i never agreed to now it shows as a bad debt on my credit report i never agreed to this or did i ask for more insurance they have not agreement or sign contract theat i sign for or agreed to in any form

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had auto-pay set up through my mortgage servicer - Loancare. Suddenly, in XXXX the payments were interrupted. Despite the fact that I had received my monthly " Thank you, your mortgage payment has been received! '' email from Loancare my payment had not, in fact been deducted from my checking account. I contacted them several times and each time they swore everything was fine. Finally I made a manual payment from my checking account and held my breath, hoping that Loancare would n't suddenly ding my account and pay double that month XXXX they did n't, my manual payment was the only payment made. XXXX Despite my phone calls and attempt to ensure this payment was made on time, Loancare levied a late fee for XXXX. I have been unsuccessful in having them waive this, as the late payment was because of a problem on their end XXXX their auto-draft not functioning ) and nothing I did. 

Care to guess what happened in XXXX? Again an email thanking me for my mortgage payment. Again no money deducted from my checking account. Again a flurry of phone calls and emails that ( mostly XXXX went un-answered trying to find out if Loancare 's auto-pay was going to deduct my payment or if I should make a manual payment again. Again I was assessed a late fee, and was told that my mortgage payment was not received due to insufficient funds ( not true and my bank is prepared to provide written evidence as to such ) and then when I called I was told my payment was n't made because of changes I had made on the Loancare website ( again, not true I had not made a change since originally setting up the original auto-draft and had been successfully making payments for MONTHS before this happened. ) I ca n't get anywhere with Loancare, their staff are rude, unprofessional and unhelpful. When my husband and I attempted to re-finance the loan with them in order to remove PMI they declined, stating that my bankruptcy inhibited their ability to improve the terms of my loan ( I have never declared bankruptcy and they refused to disclose where they had obtained that information. ) I really do n't understand how these folks get away with this stuff. I 'd rather have my loan serviced by XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX / XXXX /2017 I received a letter in the mail from WELLS FARGO BANK, NA for reasons unknown to me! I do not do ANY business with this institution! I opened the letter and it stated that i had made a recent application for a deposit account. I have done NO SUCH THING! I have never opened Or filled out any application for them! I DO NOT know how they even got this information. It says in the letter a credit score and soft inquiry have been made. None of which I did or gave anyone permission to do ...
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I do not know why this is happening I know this company is in the news for setting up fraudulent acoounts and I am positive this is what has happened to me! I do n't want this to affect me negativly with credit agencies but they have no right to open any account or get a credit report when i havent asked for it!
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The letter is from Wells Fargo Bank, N.A.   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , SD Please make this company remove my name from their data base and remove any incorrectly reported info from my credit report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (SC).
Issue: Shopping for a loan or lease

Complaint: We had a loan for a car with Westlake Financial Services The car was in an auto accident and was subsequently paid in full by State XXXX but Westlake reported it as a repo on my credit and we have proof the car was never repossessed as a matter of fact after our insurance company paid off the car they allowed us to retrieve it and we still drive the car to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has never reached out to me to collect any type of debt. I looked on my XXXX report and my credit score dropped drastically for this collection debt. I called and asked them to provide me with the invoice or any written documentation, which they would not provide me. They asked for my SSN multiple times and were trying to reach someone named XXXX, who is not me. I informed them this was not me ; however, they told me there is nothing they can do unless I provide my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Making/receiving payments, sending money

Complaint: I am resubmitting my complaint against Bank of America, but am providing additional information to prove the scope and extent of consumers ' grievances against Bank of America is becoming great and far-reaching. Below is the new information ; ; source -- -XXXX : XXXXhttp : XXXXFROM XXXX XXXX : XXXX

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