milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: As a home- owner we have not received a written offer from Bank of America N. A , as the lender or servicer that we deem acceptable. The federal Real Estate Settlement Procedures Act, XXXX gives me the right to request information about my mortgage account. It also gives me the right to demand and compel that my account be corrected, before a decision on our behalf can be made to modify our loan. In this QWR statement this is also an Appeal to review the loan modification terms before an agreement to sign. 


A complete payment history which lists the dates and amounts of all the payments I have made on the loan to date, and how each payment was applied or credited ( whether to principal, interest, escrow, suspense, or some other treatment ) A breakdown of the amount of claimed arrears or delinquencies on the account, including an itemization of all fees and charges you claim are currently due The payment dates, purpose of payment, and recipient of any and all fees and costs that have been charged to the account The payment dates, purpose of payment, and recipient of all escrow items charged to the account A copy of any annual escrow statements, and notices of a shortage, deficiency, or surplus sent within the last three years The current balance in any suspense account as of today and the reason why such funds were deposited in the account The name and address of the owner of the promissory note secured by the deed to secure debt for the mortgage loan referenced above The names of all entities to whom the promissory note referenced above has been sold, assigned or transferred, and the dates that each sale or transfer of the note occurred A copy of the note referenced above, and any attachments showing endorsements that have occurred A copy of any assignment of the note or deed to secure debt A description of all loss mitigation and foreclosure avoidance steps taken with regard to this mortgage loan, including all calculations concerning debt-to-income and net-present-value determinations and all documents regarding loss mitigation A description of any foreclosure avoidance steps taken with regard to this mortgage loan A copy of any Assignment Assumption Agreements concerning the securitization process of my loan What is the Chain of the Securitization on my loan? 

Was there any legal representation on my behalf by XXXX XXXX XXXX XXXX involved in any negotiations concerning the modification of loan terms? 

Who are the Trustees of loan and or Trustees of my Deed and Trust?

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 09/23/2015 about Debt collection (Mortgage) with STATE FARM BANK, FSB (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I became XXXX with XXXX in XXXX. I received a notice of intent to foreclose from XXXX in XXXX, XXXX. I vacated the house in XXXX, XXXX, after filing for Chapter XXXX bankruptcy. The bankruptcy was discharged in XXXX, XXXX. In XXXX XXXX XXXX XXXX took over the mortgage, which still was not foreclosed. I continued to pay homeowner 's insurance through XXXX XXXX XXXX until XXXX, XXXX, when XXXX XXXX XXXX cancelled my insurance because the house was not occupied. My annual insurance premium was approximately {$500.00}. I had been a customer of XXXX XXXX XXXX since XXXX. XXXX XXXX XXXX acquired homeowner 's insurance for the house from State Farm Bank, at an annual premium that was over {$3200.00} annually. The insurance premium was applied to the escrow account on the house at {$850.00} quarterly. The bank did not foreclose. I started the process for a short sale in XXXX, XXXX. Shortly after that, XXXX XXXX XXXX sold the mortgage to XXXX, serviced by XXXX XXXX. The short sale was still in process by the following XXXX, XXXX. The title company working with XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, discovered that State Farm Bank had applied a lien for over {$11000.00} to the mortgage -- a personal lien in my name. They discovered that State Farm Bank had also applied an item labeled a charge card to my bankruptcy records for the exact same amount. I never had a credit card with State Farm Bank. The items added to the bankruptcy record had n't been on the original paperwork. I was never notified about the lien. The only lien on the mortgage was for several years of utility bills for the house I had vacated, expecting foreclosure. There was a second item related to State Farm Bank on the altered bankruptcy record for XXXX Attorneys at Law for State Farm Bank. There is only the firm name on the record, with a XXXX amount owed. The same amount as the lien is entered on the line above as a State Farm Bank charge card. I do n't know whether the {$11000.00} is for attorney fees or what, but I do know it was applied retroactively to a bankruptcy already discharged and also applied as a lien to the mortgage, which XXXX XXXX XXXX has sold to XXXX. The short sale failed, as a result of the buyer being unwilling to pay the lien amount and, also, because XXXX XXXX bank decided to offer the house on an XXXX to see if they could get a better offer. I was never notified about the lien, which was applied in XXXX to a bankruptcy discharged in XXXX. I will be filing a complaint against XXXX and XXXX. These complaints joint the XXXX already filed against XXXX XXXX and XXXX XXXX XXXX. XXXX other note is that, when I asked XXXX XXXX XXXX to help me with this issue, I was told they are not a party to this transaction ; that I would need to file a complaint against State Farm Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Trouble during payment process

Complaint: I am a victim of Hurricane Harvey that happened XXXX-17 in XXXX, Texas. The insurance company sent of check in the amount of approx. {$37000.00} to repair my home and the contractor estimate is approx {$53000.00}. The Carrington mortgage servies company will not release the funds to have the company start on my home. The insurance is taking care of the difference. Please advise in correcting this matter. My home is not livable and I can not continue to pay for rent and mortgage in two places. Also if I am to pay for insurance through my escrow why would the Carrington mortgage servicers company put something that I am paying for in their name and is that legal. Today is XXXXX-17 and my home is still a disaster. I have called numerous times to at least get clarity of when the funds would be dispersed for my home repairs. The staff is unpleasant and unhelpful. I am tired and frustrated with no help. Thanks in Advance XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (Mortgage debt) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My Mortgae Servicer, Select Portfolio Servicing, has canceled my payment plan due to the fact that I asked them to explain to me exactly what the payments were going towards. I have filed a complaint in the past and they have yet to give me an accurate answer. They allowed me into a catch up plan for the debt they are trying to collect from me. The plan calls for 12 paymwnts of {$2000.00} each, My simple question is to let me knoow the breakdown of those payments. How much goes to principle and how much goes towards the excessive fees they have added on the years. Instead they have canceled the plan on me. 
They have a foreclosure date on my house for the XXXX XXXX. I would like for them to prove the fact that they actually have a legal right to foreclose on my house. The Mortgage was placed in a trust owned by XXXX XXXX. XXXX XXXX had been sues by the govt. over these trusts and was found guily and told to pay out a settlement to the mortgage holders involved with these trusts. I 've bought that to the attention to the folks at Select Portfolio Servicing and they seemed to know nothing about it. I would like them to investigate that issue more for me. 
I talked to their Ombudsman Dept. about the foreclosure date 4 times over 4 days. 3 of their employees told me the foreclosure date was going to be put off. On the XXXX call I ws told that it would not be put off. This si what they do, mislead you with misinformation and they make common practice of it. I 've noticed that there have been thousands of complaints about this company on the CFPB site, why is nothing being done about this, I had talked to them about working out a settlement but with the foreclosure date so close they are not allowing me the time. It seems they are bent on foreclosing on me without working through all the options. 
I have also requested in the past to see a copy of their servicing and pooling agreement with XXXX XXXX and it has never been produced. It all makes me weary that they are trying to foreclose when they actually do not have a legal right to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Synchrony Financial/XXXX XXXX XXXX I have never made any late payments and paid card off within month of usage. Tonight I reviewed account to ensure no unauthorized charges had been made as I am a part of the XXXX Security Breach.. My account had been closed XXXX balance XXXX credit limit.. 
I called the company for an explanation and was advised an automated system pulled account and I was a possible risk.. 
I am filing this complaint to expose Synchrony Financials of their unfair credit practices. This act has created a drop in score and its punishing me for paying off and keeping credit line in tact.. Now this bank has dicided to close my account for being a good customer?? Im confused.. how can I be a Risk..

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 08/23/2017 about Debt collection (Other debt) with Penn Credit Corporation (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Debt Collector called one of the lines on my phone plan which was not my number. They went into detail and advised I owed {$700.00} for a bill in Pa, that I did not disconnect service and the company did not until 2 months later. I moved in XXXX 2016 they stated XXXX 2016. They argued that they wanted it to be known. This is untrue and embarrassing that they called someone with my personal information and gave full details. I have n't received anything from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I have now been a customer of XXXX for the past year and have had a number of issues with your loan servicing. The XXXX time with your company I have been assessed a late fee for a payment that was there before the deadline of the XXXX or according to your customer service folks a day or XXXX later if the XXXX falls on a weekend or holiday. Regardless I use online banking with XXXX XXXX XXXX for everything and it seems that this company is the only one with difficulty processing/crediting payments in a timely fashion. Last time I was told that the payment was in paper format and that was the delay. I paid XXXX of the fee. That was my XXXX late mortgage payment ever in 15 years. This time I have contacted B of A and confirmed that all of my payments to XXXX Mortgage are in electronic format. The payment was sent on XXXX arrived and was deducted from my account on XXXX. XXXX did not note payment until XXXX, and then assessed a fee. This behavior appears fraudulent to me. I pay my bills on time and live within my means. I am a single parent that is accountable and prides myself on being on time. I am very frustrated. My pay date varies knowing that I have a window based on my own paydate from my employer. 
Bank XXXX document is the exact snapshot of my XXXX XXXX XXXX online bill pay account noting when the payment was sent received and deducted. 
I was frustrated enough to look up on line to see if others find the same problem with XXXX and the reviews are horrible XXXX stars all with similar issues. 

My expectation is to quickly resolve this issue and reverse the fee from this time and last. Also to please educate their customer service folks on ethics for not lying to customers ( paper versus electronic ). I have submitted a complaint to the Better Business Bureau as well as recommended by the websites dealing with Mortgage fraud.

Company response to consumer: Closed
Consumer complaint received 04/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (LA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: The late fees have increased finnomally, and it unable to make 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 08-11-2016 about Debt collection (Medical) with Pinnacle Credit Services, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never used the service, but somehow charged on my credit report. ( {$530.00} ) and now even though it is saying " Account information disputed by consumer, meets FCRA requirements '' I 've attempted to request for removal several times. It is still reported on my credit report. Frustrating as I do n't have any documents started with. If I used the service I will have the document, but I do not have one

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Dear  XXXX   XXXX   XXXX   XXXX  : I have been an account holder since  2014  and during that time I have enjoyed my experience greatly I am writing to see if you would be willing to make a good will adjustment to your reporting to the  XXXX  credit agencies I have two late payments on the above referenced account that date back to    2014  since that time I have been an exceptional customer paying every month on time.     Because of my exceptional payment history over the last  XXXX  years. I would like you to consider removing the negative payments from my credit report. At the time of the late payment I was put on bed rest my last month of  XXXX  no pay. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that  XXXX   XXXX   XXXX  is willing to work with me on erasing this mark from my credit reports.     I have been a very happy customer in the past and hope to continue a long relationship. With today 's credit industry so competitive, I know how important it is to maintain good relationships with customers.   XXXX   has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why is heads above the rest. I look forward to your reply.     May  XXXX  please remove all negative remarks off my credit report. In good faith.       Sincerely,

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 11/29/2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Received a letter from Experian stating that a changed has been made to my account. They provided XXXX phone numbers to which I called. The recorded message said there has been a changed to my information and if I did not make those changes stay on the line to obtain a credit report. I called several times and held for for a total of fifteen minutes only to be hung up on. 

Experian has a habit of not allowing the consumer access by phone and if you ( the caller ) do n't respond to the prompts ( even if the prompts do n't apply to your situation they hang up the call. It 's there tactic of avoiding the customer/consumer. Experian are not accountable.

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 12/31/2015 about Mortgage (VA mortgage) with Finance of America Mortgage LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: New company purchased my loan on XX/XX/XXXX. Contacted new company finance of America mortgages XX/XX/XXXX they informed me that my first payment is due on XX/XX/XXXX. XX/XX/XXXX I received a bill for both XX/XX/XXXX and XX/XX/XXXX. spoke to them on XX/XX/XXXX. Was told nothing can be done not their fault they gave bad information. I 've never missed a payment before on the loan and upset because I used the money to pay other bills and will very difficult to make two payments at once

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The name of the company is XXXX. They have a bill for collection in my name for the amount of {$530.00}. There is absolutely no way that this bill should be this high. That is a huge lie. They are taking advantage of whomever they may. I would settle with them for {$200.00}, plus have them removing the information out of my credit report. These big corporations are like wolves.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX XXXX center removed XXXX collection accounts but it is back on my credit report. Those XXXX accounts should have never been on my credit report. I had insurance at the time and I was not there on the day they claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian continues to report wrong information in the address section. They show that I have resided at XXXX XXXX, GA XXXX. I have disputed this multiple times to no avail. I just got the new case file number XXXX which still has this address on the file. This needs to be deleted at once. I also requested all contact information of who supplied this information which Experian has failed to comply with. This violates the FCRA.

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 03-06-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I want Equifax to review the attached letters of proof of payment from XXXX XXXX XXXX. I paid the full balance off of the following accounts : XXXX XXXX XXXX and XXXX because, I want the accounts deleted from my credit report. The above accounts do not belong to me. The accounts are a result of identity theft. I am a victim of identity theft. 
The accounts are paid.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit card () with WELLS FARGO & COMPANY (WI).
Issue: Unsolicited issuance of credit card

Complaint: My husband and I went to browse at a local furniture store, XXXX 's, in XXXX 2015. We were approached by a saleswoman named XXXX XXXX XXXX told us about their current sale and asked if we wanted to see what we would qualify for in credit. We provided our driver 's licenses and verbally gave our gross salaries. I do n't remember if she asked for our SSNs. We continued to shop and she came and told us we qualified for {$11000.00}. We continued to browse and decided not to purchase anything. 
In XXXX I received a Wells Fargo XXXX 's credit card. I did not sign anything authorizing the credit card to be opened, nor did my husband. We were shocked. Then on XXXX/XXXX/15 I received a letter from Wells Fargo apologizing for not being able to authorize the larger amount we requested, but that we were approved for {$11000.00}. I never authorized XXXX or XXXX to open a credit account. I called XXXX 's and asked if their salepeople earn commission on opening new credit accounts. I was told they do not. I am unsure who actually opened the account in my name. Again, I never agreed or signed anything. 

This new account did show up on my credit report. We had recently purchased a home and opened a line of credit elsewhere. This additional credit inquiry and open account is not helpful for my account. Simply closing it would also be detrimental to my credit score. I am unsure what to do at this point?

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 06/23/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (VT).
Issue: Managing the loan or lease

Complaint: Wells Fargo dealer services is reporting a 60 day late on all credit reports. I was told by XXXX in their collections department that if I paid a set amount they would move my XX/XX/XXXX payment to the end of my loan and I would not receive a late mark on my credit. Wells Fargo did not follow through and I now have a 60 Day late mark, even though I completed everything that was asked of me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Credit card debt) with Hunt & Henriques (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Hunt & Henriquez levied my bank account on a fraudulent judgement in California. They are claiming a judgement was filed against me in XXXX of XXXX. I was never served, I 've never received any notices about this case. I 've never heard of the credit card they are claiming the debt. They drained my account in the amount of XXXX and trying to get XXXX} more on XXXX. I called them on XXXX to report fraud. They said they sent it to their fraud dept for investigation and I 've heard nothing since.

Company response to consumer: Closed with explanation