milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar has mishandled our escrow account for the last year. a year ago We opened a new insurance policy to save {$1000.00} a year replacing the XXXX separate policy ( home owners & windstorm ) after we cancelled the old policy 's the mortgage holder continued to pay the canceled policy & double pay the new policy & noticed us we had a short fall in our escrow account & wanted to raise our monthly payment an additional {$400.00} We have called constantly to resolve I have requested a 2 year accounting review of our escrow but no response. Today I received a check from my new insurance company they were double paid again.I dont know how much of our money has been given away. We have been told repeatedly this will be resolved only to see the problem get worse we are put on hold for hours and passed around constantly They will not take our number or ever call us back or write us with proof of a resolution. Last month I made a payment in the amount I think we should owe. We have not received a notice of this months payment due on the first. We are constantly ignored & lied to. CAN I SUE THEM?

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: my wife and I have been trying to get Fedloan Servicing to properly calculate out student loan payment. It is extremely difficult to work with them. Long waits on the phone, they are only open on weekdays, their website logs you out extremely fast once you login and you lose your place and/or have to navigate through their entire site again just to be logged out again. I feel like they make it extremely difficult for the consumer to get Fedloan to do their job correctly. Fedloan has always miscalculated our payments and we have to spend numerous hours trying to resolve this. We are bright, patient people but this process is confusing, slow and at times, unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My complaint is regarding an excessive deposit hold time policy on a deposit with Huntington Bank. On XX/XX/XXXX I did a mobile deposit for a check from XXXX XXXX XXXX XXXX for {$8800.00} into my checking account. This is an in state check from a bank for under {$10000.00}. Now I have heard of a 1-3 day deposit hold in cases of personal checks, out of state checks etc. Huntington has incredibly put a hold on these funds until XX/XX/XXXX. So that is 10 calendar days and with the XXXX XXXX  holiday that would be a 6 business day hold. This is entirely unacceptable. I called and asked for a supervisor, they stated that it was " in process '' and the hold was put on due to an " unverifiable source ''. The source is a credit union. Furthermore I had {$11000.00} in my savings account and still this long of a hold. I called my local branch and spoke with the acting manager who was helpful, followed up but still could do nothing. Today, XX/XX/XXXX, I called XXXX XXXX XXXX, spoke with the bank manager and learned that their check for the {$8800.00} cleared last night XX/XX/XXXX. In this day and age of electronic ACH clearing and the digital treatment of checks that seems like an appropriate clearing time and a possible 1-2 day deposit hold time. Again, how can Huntington employ a practice of the excessive type of hold time described above? I was fortunate that I could move funds from my savings to pay the obligations I had sought the consolidation loan for in the time frame I had committed to. The funds were to pay down high interest credit cards. My loss is inconvenience and marginal savings account interest. But what if I could n't " float '' my own account for nearly 2 weeks while HNB " holds '' my funds? The damages could include : -Personal reputational risk ( a returned check to a 3rd parties ) -Additional interest accrued on accounts to be paid by the excessive hold time -Fees, possible NSF fees, return item fees from the very bank " holding the check '' or 3rd party fees for un honored items sent with the expectation of a 1-2 day " hold ' time -Damage to credit score/rating. This type of " deposit hold '' over reach is both inappropriate and unacceptable in this day and age of electronic banking. The practice needs to be investigated and changed. I will conclude that I have never had an issue with HNB and like their banking, as a loyal customer, who has multiple accounts this situation has damaged my perspective on their bank and service levels.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo Home Mortgage is holding 3 payments of XXXX in an Unapplied Funds balance and stating they we are behind on our account 4 months. The account is only 1 month behind as they bill a month in advance. They stated via phone call that the funds they were holding from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX in the amount of {$980.00} would be applied to the balance on XXXX/XXXX/XXXX. ( see attachment ) I spoke with a person named XXXX and named XXXX XXXX did not apply them and on XXXX/XXXX/XXXX we received another statement stating that they we had {$1400.00} in unapplied funds ( see attachment ). I called them again and spoke with a person named XXXX and she stated the 3 payments totaling {$1400.00} would not be applied to our balance until we made another payment. I then asked to speak to her supervisor and was transferred to a XXXX XXXX who informed me that he would have to look into it and that would take 10 days. 
Attached to the both of the statements one dated XXXX/XXXX/XXXX was a letter stating that we were 77 days delinquent and another dated XXXX/XXXX/XXXX stating that we were 105 days delinquent. XXXX XXXX also stated that were we behind in our monthly payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We pay this bill through our bank, XXXX bill pay and I have attached our payment history to Wells Fargo for the past 24 months, that reflects we are not behind 4 months. The are counting the unapplied funds and the upcoming payment this is not due as of this date as late payments.

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 05/23/2017 about Debt collection (Medical debt) with Aargon Agency, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: TODAYS DATE :  XX/XX/XXXX  ATTENTION DISPUTE DEPRATMENT :  XXXX   XXXX   XXXX   XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  Your company have violated FCRA   615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from    identity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.       A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious AARGON AGENCY INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re    XXXX   XXXX   XXXX ,  XXXX   Telephone Consumer Protection Act  Litigation, Case No.  XXXX , in the  U.S. District Court  for the  XXXX   District of  California Stop collection proceedings against me Signatures on applications and accounts Investigators report  XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   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 12/29/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: On XXXX I ordered my Equifax credit score through XXXX. The cost was {$7.00} which was taken from my account. I never received the report. When calling Equifax, they tell me that I never ordered a report. They say the transaction number is XXXX digits and mine is like XXXX. They told me to contact XXXX at ( XXXX ) XXXX which I did but there doesnt seem to be any way to speak to a person there. I am attaching supporting documents. I want my credit score report or a refund. I did not get what I paid for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with ALLY FINANCIAL INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XX/XX/XXXX Called company and was told it will be removed and no action was taken after second call in XX/XX/XXXX XX/XX/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 08-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: We have a complaint before you - Consumer Financial Protection Bureau Case number : XXXX. We received a report from Trans Union dated XXXX XXXX, 2015, but the report failed to provide any supporting documents again per our request see our XXXX XXXX, 2015, letter requesting deposed information. We are having an issue with a XXXX score for XXXX allegedly adverse reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Prepaid card (General purpose card) with CITIBANK, N.A. (GA).
Issue: Fraud or scam

Complaint: I have a prepaid XXXX card from Citibank that was given to me as incentive from XXXX to open an account. It has an expiration date of XX/XX/XXXX -- 6 months after I opened the XXXX account. There is a balance of {$10.00} left on the card and Citi has told me that those funds are no longer available to me. This seems like theft to me. I earned those funds and should be able to access them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (Other debt) with ERC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Account Details Bureau Name ERC Original Lender XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$230.00} Date Account Opened XXXX XXXX 2015

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Medical debt) with Experian Information Solutions Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I need XXXXXXXX XXXX Experian to resolve these false reports off my credit reports. I sent 10s of dispute letters, nothing has done. I contacted each and every collection company " The said ; if it is in their file, it has to be truly a bill of mine. '' Those doctor bills went off before and come back again. I told them that when the paramedic came, I never went on them because I knew how they operated, they are all about the big money. They came and took my name and social even if when my neighbor called them, but I never went on their vehicle. And The Florida medical bill is wrong. I refused to get serve because their phlebotomist was in training, he poke me 4 times and still could not get it right. I signed the refusal agreement and left. No way for those charges. Please get to them, and get my credit back the way it should have been. 



XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$920.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$550.00} Needs Attention XXXX XXXX Last reported :XX/XX/XXXXXXXX + {$530.00} Needs Attention XXXX XXXX Last reported :XX/XX/XXXX + {$520.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$460.00} Needs Attention CXXXX XXXX XXXX Last reported : XX/XX/XXXX + {$350.00} Needs Attention XXXX XXXX XXXX Last reported :XX/XX/XXXX + {$100.00} Needs Attention

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: FRUSTRATION SETTING IN! 
Defaulted on my mortgage due to unexpected loss in income and eventual job loss. Loanowned by XXXX XXXX and unfortunately the servicer was XXXX Bank and nothingwas no modification was achieved due to XXXX 's delays and poor servicing procedures. 
I requested Unemployment Forbearance, but my request was never acted on. All of XXXX and half of XXXX passed and then I was notified that servicing was being transferred toGreen Tree LLC. ( non bank servicer ) Again starting all over with request for creativeloan modification, extension, mortgage principal reduction, lower interest and longer terms. 
Told " Not Eligible for : Hamp ' because my account was originated after XXXX XXXX, XXXX. 
Only eligible for Freddie Mac Standard Trial Period Plan. According to the Trial Planpayments are required to be between 10 % and 55 % of our gross monthly income. Ourpayment was to be 39.93 % of our gross which was calculated to be XXXX. This wasnot manageable and was actually higher than my original mortgage payment before ourdefault. We do have income and response was " Why not 10 % of our gross which wasmanageable. My suggestion fell on deaf ears at Green Tree. This and mortgage principalreduction is what we need to remedy our situation and avoid foreclosure. I have yet tosee a Modification offer which really reduces our payments either temporarily orpermanently. I am worried about " dual tracking ' and having to many single point contactswho really have no power to solve the situation. I hope that XXXX XXXX new program '' MyCityModification '' will include mortgages with a value over {$250000.00}. Our currentprincipal balance is {$280.00} We are in XXXX XXXX. I believe each personsreasons for default differ and each should be dealt with on individual basis to helpavoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Payday loan) with Direct Recovery Services, LLC (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received calls today from Direct Recovery Services, XXXX different numbers from XXXX different states all stating the same thing. 

" Up now. Again this is a final call for XXXX only. If you are not XXXX. You must hang up now. This is your final call. This is XXXX (? ) and your failure to respond has resulted in your file being audited. This call is to inform you that although your file was processed on Monday XXXX XXXX. Our client will allow us to resend this process if you call today. Again you have only today to rectify this matter. Please advise. You must call by XXXX today Wednesday XXXX XXXX at XXXX. Again we must hear from you or council immediately no later than XXXX today at XXXX. To be connected to a representative press XXXX now. This is a final urgent message. This matter is private and confidential. If this is not XXXX please hang up now. Again this is a final call for XXXX only. If you are not XXXX. You must hang up now. This is your final call. This is XXXX (? ) and your failure to respond has resulted in your file being! audited. This call is to inform you that although your file was processed on Monday XXXX XXXX. Our client will allow us to resend this process .... '' Message received on XXXX/XXXX/2016, XXXX ( XXXX ). Length XXXX seconds. 

This is a print out from my father 's voice mail which is the same that I received. I called this number back and was directed to a male who was very unprofessional. Raising their voice and saying things such as and I quote " If it were me I would get off the couch and pay the bill '' as if to imply that I am just being lazy. These practices are against the law. I have not received anything in writing. Only phone calls threatening legal action. I have requested written documents but have not ever been given anything.

Company response to consumer: Closed
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I contacted Chex systems a bout two weeks ago to let them know that incorrect an d improper information was being reported in my consumer file with them. I also provided them with a letter that the original institution wrote me. The letter stated that all information was to be deleted and what was reported was incorrect. I received notification today that Chex systems will not deleted the information claiming it 's correct and accurate. I attempted to reach their customer relations team who told me that they will not delete the information regardless of what I 've provided and that it will stay on my file. They told me they had the letter I provided the credit union wrote to me but still refuse to update the information and delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Avant Credit Corporation (MD).
Issue: Struggling to pay your loan

Complaint: I started a personal loan with Avant on  XXXX / XXXX / XXXX  with Monthly payments of {$500.00}. On  XXXX / XXXX / XXXX  I contact avant and let them know I have had a loss in income and large amounts of medical bills and I was given a payment plan to reduce my monthly payment to {$370.00}. I was informed that there was a grace period of 10 days with meant my payments are due on the  XXXX  of each month. On  XXXX / XXXX / XXXX  I made an online ACH payment but since it was the weekend I was told they are considering my payment late and removed me from the agreed payment plan. I was never instructed that weekends do not count as payment dates and now I am told that I do not qualify for any payment agreements and its my fault that I defaulted on the payment plan. They now are showing that my payment is past due that will potentially jeopardize my credit rating. They are also saying I have to come up with {$500.00} in 7 days and then {$500.00} for the remainder of the loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with IBERIABANK (AR).
Issue: Problem with cash advance

Complaint: To Whom it may concern : My first complaint was filed on XX/XX/XXXX. 

This is my second complaint ; about Iberiabank, in XXXX XXXX, Arkansas .Branch Manager : XXXX XXXX I fully cooperated with all the banks requests and conditions to receive the rest of my flood insurance money. On XX/XX/XXXX, my wife and I went to Iberiabank in XXXX XXXX. We gave XXXX XXXX alittle over {$12000.00} in receipts to XXXX XXXX. She then made copies of them and the proceeded to tell us that we should hear something within 24 to 48 hrs. It is now Wednesday XX/XX/XXXX. and I still have n't heard anything. On XX/XX/XXXX I Spoke with XXXX XXXX and she told me that she was waiting for her Inspector to come out and look at the house, and he would n't be able to make it for another week. Which has already caused a two week delay. And still have no word yet.

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 06/16/2015 about Consumer Loan (Vehicle loan) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Managing the loan or lease

Complaint: I was deployed to XXXX in 2012 XXXX XXXX - XXXX ). While deployed I was living near a local village and did n't have regular access to mail, internet or phone. I received a letter from my auto loan holder XXXX Navy Federal Credit Union XXXX that I missed a payment. I had setup the account to be paid automatically each month, in excess of the minimum amount, using my XXXX credit card. I called NFCU and asked them why and they told me over the phone that I was late and it was because of insufficient funds. I told them this was n't possible, I was deployed and had more than enough available credit to pay the auto loan monthly bill. I spoke to a manager who told me there was an error processing my card, and it was the bank ( NFCU ) fault, not my own fault. They said they were sorry and would delete the late payment from my records ( 30 days late ). A month later I checked my credit report and it was reported to the credit agencies. I called NFCU and asked them to remove it and they denied my request. I immediately asked what the total amount owed was and told them I want to pay off my loan in full. I paid off my loan in full that day because they could n't process my payments correctly. 

I have since submitted disputes with NFCU directly and with the XXXX credit agencies. I have not received resolution. NFCU will not remove the late payment report and neither will the agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation