milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/28/2017 about Mortgage (Conventional fixed mortgage) with American Financial Resources, Inc. (UT).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company " American Financial Resources '' has charged me {$5.00} to {$10.00} extra for my monthly mortgage payment, depending on which day I pay. Typically, after the XXXX of the month a {$5.00} fee is added in addition to my payment. After the XXXX of the month a {$10.00} fee is added in addition to my payment. The official late charge is never assessed unless the payment is received after the XXXX of each month. My mortgage payment is not due until the XXXX of each month. There extra fees do not appear on my XXXX form for tax purposes. Are these fees charges by AFR ethical or legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus purchased our mortgage from XXXX in XX/XX/2013. I 'd like to state, in twenty three years of providing mortgage payments we have never miss a single one nor have we been late, however Seterus automated collection business claims we owe {$1400.00}. ( plus interest ). They started sending us harassing collection letters monthly threatening to default on our mortgage if not paid. ( very troubling ). Their action is deliberately damaging our credit score. I have contact them on several occasions asking them to explain the amount claimed due, I 've made copies of all paid mortgage check from the past three years and fax over to Seterus but, customer service personnel fail to explain the amount they say is owed. I 've ask to speak to their supervisor in regard to the letters and was told by the supervisor its an automated system letter and will stop once the faxes sent in have been validated. But the letters continue, and our credit score continues to suffers, what repercussion do we have?

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX Loan Modification was cancelled because Bank of America incompetence since they never applied our first trial payment made over the phone with the case manager on XXXX/XXXX/XXXX which was due on XXXX/XXXX/XXXX as recommended by him and got a confirmation number. The following month I notified XXXX XXXX " case manager '' and emailed him my running balance and which clearly showed the funds were available to cover the payment, the case manager for BofA admitted to the error and assured me that they would correct the error immediately and to continue to pay which I did for an additional 7 month because the case manager continued to assure me that it would be corrected but after all that time I realized he was just trying to get as many payments from me as possible knowing that my loan mod would not be reinstated. There are many articles on Bofa stating the fact of incentives to employees to not approve these modifications. XXXX XXXX XXXX XXXXXXXXXXXX It is my understanding under the new RESPA rules that came into effect on XXXX XXXX they are required as the new servicer to obtain all loan information from the old servicer. 
Confirmation numbers payments from BofA were : Payments made to BofA : {$2300.00} First set of numbers below indicate the date paid " original lender was Countrywide '' XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX Attached : XXXX XXXX Loan Modification Approval from BofA XXXX XXXX Loan Modification cancellation from BofA for non payment Letter to BofA about payment not being processed after making a total of XXXX payments Email to case manager inquiring about issue Letter from Bank stating we had the funds the XXXX the payment was to be processed Running balance on checking account

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: APR or interest rate

Complaint: I had received several cash advances from my credit card company - Citibank. For each {$5000.00} cash advance withdrawal, I was charged ~ {$350.00} from the cash advance company for the transaction, plus ~ {$280.00} from my credit card company Citibank for transaction fee, plus ~ {$70.00} interest from my credit card company as well, even though my account had a negative balance where I overpaid my account. This came to a grand total of ~XXXX %. This is way excessive, given the amount of money, for each instance ( XXXX ). When I asked my credit card company Citibank for a refund of my fees, they said that I could not negotiate a better rate till after being a customer for 6 months. When I told them that my account had a negative balance where they owed me money, they said, interest is charged on the amount, regardless if my account is negative. This is starting to sound like a new XXXX XXXX Scam.

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 01-11-2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I see that Equifax credit Bureau filed a civil Judgement Case/Docket # XXXXon my credit file which this account was paid in full on XX/XX/2016 I have a proof of my breakdown rent report that shows it was paid in full satisfied and because of this Equifax has ruin my credit without no reason

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Over the last six ( 6 ) months, since XXXX XXXX till today, I have been unable to get my free Annual Credit Report from the Experian Credit Reporting Agency online from the government authorized website : XXXX even after numerous attempts on several different occasions including today. I always keep getting the same message from Experian as folows : " A condition exists that prevents Experian from being able to accept your request at this time. '' My last free Annual Credit Report from Experian is dated XXXX XXXX, XXXX, over three ( 3 ) years ago, which I had no problem getting online from the said website. 

Please instruct Experian to allow me to get my free Annual Credit Report from Experian online through XXXX at the earliest, and let me know. I had no problem getting the same from XXXX and XXXX. Thanks, please do help and let me know.

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 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I purchased the vehicle XX/XX/XXXX financed with XXXX XXXX XXXX. The loan was reflected on my credit report for approx 2 months. After being denied an new auto loan due to lack of Auto loan credit history I investigated. XXXX XXXX XXXX was not reporting my auto loan. They post on their company website they do and each customer service rep I spoke with stated they do. XX/XX/XXXX I called several times to their customer service, wrote to their credit dispute department several  times without any response. XX/XX/XXXX I wrote to their Corp office, which I revived a letter stating they made an error. XX/XX/XXXX and XX/XX/XXXX the loan was reflected on my report. XX/XX/XXXX I was notified my score dropped major points. After researching and reviewing the loan fell off all 3 major credit reporting agencies. I called XXXX 3 times without any resolution. I have had the auto loan since XX/XX/XXXX and as of today my fico score has dropped 15-20 points, I have been denied Credit, Autos loans, Job offers and rental homes due to their inaccuracy to report as they stated.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Checking or savings account (Checking account) with KEYCORP (CT).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: On XX/XX/2017, I attempted to close my checking account at Key Bank and since the bank charges for a bank check, the teller suggested I take the amount in cash. I received {$3700.00} mostly in {$100.00} bills. I counted the money before leaving the teller and placed it in an envelope provided by the bank. I went from there directly to XXXX XXXX XXXX  to deposit in my savings account. When the teller counted my cash she immediately determined that one of the bills was counterfeit and confiscated it. They called Key Bank as a courtesy to check if they had any other bad bills. The next day I went to Key Bank to see what they would do and after profusely apologizing, they said the first thing they needed was proof that the bill was counterfeit. I stopped again a couple weeks later and was told that after checking with someone in a main office they were told that once I left the bank it was my responsibility, not theirs, and they were not going to do anything. 
The problem is, I know they gave me a bad bill, and the local branch knows they gave me a bad bill, but the official word is " We are not responsible ''. So I am out {$100.00}!

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/28/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with First Data Corporation (FL).
Issue: Fraud or scam

Complaint: In 2012 someone fraudulently used my business data to open a Card Processing Account with XXXX XXXX XXXX & First Data ( www.firstdata.com ). These 2 institutions did not verified my business address, phone and email and never contacted me on their underwriting process. Due to the problems they had with the fraudster they closed those 2 accounts and put my Business information on MATCH List and I am currently unable to open Merchant Account for my business and loosing business due to their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Specialized Loan Servicing LLC (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I wrote back in XX/XX/XXXX how specialize loan servicing kept my payments going up and up so I did a modification and it lower my payments and my agreement was to pay 3 months of the modified amount on time .... I did that ... on my credit report it shows a LATE PAYMENT I WAS NEVER LATE PAYING THE AGREEMENT ... I called them they stated since I was in modification and did n't pay the FULL amount they reported it as late. Is that fair? why do this company get away with ruining ppl lives. I was one time each month. can this really report false information? can you please look into this cause that is false I paid each month now my credit report showing for 3 months I was late please help me get this restored cause they need to change the wording on this I was on time not late

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 12-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: i fully expect pnc to provide a script as an excuse to use the card act or some other excuse to try to keepo the XXXX i have read other custoemrs have left the bank due to this. I was charged 1.50 interest on approx XXXX dollars owed on my card ending XXXX I mistakenly paid it XX/XX/XXXX not the XX/XX/XXXX as my history indicates i would have. The payment system on pnc.com is hard to use. it does not allow you to confirm payments, does not allow you to do more than one in 3 days. Right now in my life i am not too organzied and i did not realize what i did. until it was too late. AS a scripted approach they tell me they alreayd refunded one to me. a 1.50 which they did. and they then try to tell you they cant treat you differently than others. Any other bank would give it back since my history indicates it is an accident. and the payment system could be much more customer frinedly please refund it without all the excuses. please. 
refund 1.50 i wont be using either account to avoid this issue which has happened to me before. 
i know its valid. i also know its clear this is an accident and if you value my business do the right thing without investing your resources telling me no which i totally expect

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter dated XXXX XXXX, XXXX that make false claims regarding an alleged mortgage : 1. Notice Pursuant to Fair Debt Collection Practices Act ( If Applicable ) 2. Bayview Financial having full authority to negotiate, amend or modify all terms of the loan 3. The alleged servicer Bayview Financial is the servicer for The Bank XXXX XXXX ( Trustee for XXXX, XXXX XXXX XXXX XXXX XXXX ). 
I have never heard of Bayview XXXX. I have never received any communication from this company related to this matter or an alleged loan serviced by Bayview XXXX. XXXX XXXX, XXXX is the first time I ever received any notice regarding an alleged debt/loan serviced by XXXX Financial. 
Furthermore, my research indicates The Bank XXXX XXXX has provided documented information to me and to the XXXX ) that confirms, they are not the lender, successor, investor to the alleged mortgage as stated in the letter. In fact, the alleged trust was terminated in XXXX. Therefore, the statement in the XXXX XXXX, XXXX letter regarding a document filed in XXXX XXXX, XXXX in XXXX occurred five years after the trust terminated. The statement in the Fair Debt Collection notice is in error and invalid. It is impossible to execute a transaction with a trust that does not exist. 

Additionally, the Power of Attorney related to the property, XXXX XXXX XXXX has been suspended and filed accordingly following judicial procedure with XXXX XXXXXXXX. 
I have no knowledge of any alleged parties of interest or the alleged loan referenced in the letter date XXXX XXXX, XXXX. 
The letter is threatening, deliberately misleading, inaccurate and harassing. It violates consumer protection laws. It is also a possible violation of FDCPA, XXXX laws and more.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On X/X/17 I received an email stating that I would need to make a payment on my student loan before or on X/XX/2017. I was not given an prior notice that repayment would start so soon. On X/X/2017 I spoke to a representative at Navient who told me the reason that I had not received any communications regarding repayment was due to my being in grace for XXXX student loans. She then told me that I may apply for forbearance for the month of XXXX. I believe it is inappropriate and most likely illegal to ask someone you have a contract with for payment only 11 business days in advance. I should have had to get forbearance - my repayment due date should have been adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Payday loan debt) with Zenith Financial Network Inc (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: ZENITH FINANCIAL NETWORK INC, ALSO ZFN AND ASSOCIATES ARE TRYING TO COLLECT FOR XXXX XXXX. ZFN CONTACTED MY MOTHER AND GAVE HER INFORMATION ABOUT MY DEBT, THEY TOLD HER THEY WERE GOING TO TAKE ME TO COURT IF I DIDN'T PAYED WHAT I OWED. SHE TOLD THEM TO STOP CALLING AND THEY KEEP ON CALLING, THEY SENT HER A TEXT MESSAGE AS WELL. I NEVER USED HER AS A REFERENCE, I DO NOT UNDERSTAND WHY THEY CALL HER. I CALLED THE COMPANY TODAY AND I STATED THAT I HAD NO MONEY AND THEY NEEDED TO STOP CALLING ME AND MY MOTHER, THE LADY I SPOKE WITH SAID THAT SHE WAS GOING TO KEEP CALLING ME EVERY DAY AND THAT I NEEDED TO ASK SOMEONE FOR MONEY TO PAY, THAT THE MONEY WASN'T GIVEN TO ME FOR FREE, I TOLD HER TO STOP CALLING ME AND SHE SAID NO, WHEN I TOLD HER THAT ACCORDING TO THE FDCPA RULES SHE HAD TO STOP CALLING ME, SHE HUNG UP.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Mortgage (Other type of mortgage) with CITIBANK, N.A. (IN).
Issue: Trouble during payment process

Complaint: I hope that you can help me. 
I took out a 2nd mortgage in XXXX. Payments of {$250.00} per month. It has hardly budged from the original balance in 10 1/2 years!!! Loan was {$25000.00}. Today, it is {$25000.00}!!!! A friend of mine did the math and said that I have already paid over {$30000.00} on this!!! Several people have pointed out that this is predatory lending. The interest rate is 5.75 %. My friend said in several more years I will have paid them {$90000.00}!!!! Please help me. I have always had a good credit rating, and dont know what is going on here. I called them on it about XX/XX/XXXX and all the customer service rep, wanted to do was sell me another loan!! I asked to speak to a manager regarding predatory lending, and she kept saying refinance, refinance. I then spoke with someone else there, told him my problem as I did with her, and all they tried to do is get me to refi/buy another loan!!! I just lost my job, and happened to see that this 2nd mortgage never gets lower when I received this years tax statement!!! Please investigate this, I hope that you can help me. I gave already paid over {$30000.00} on it!!! XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Debt collection (I do not know) with Convergent Resources, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get 2-4 calls a day from XXXX. I try to answer every time. I believe they are a debt collecting agency for XXXX. I have a current XXXX account. I have stated to them several times not to call me again. They continue to call and harass me. This is my cell phone number. How many times can I tell them to stop calling me? If I had an address for them, I would send them a written cease of communication notice.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Account opening, closing, or management

Complaint: I scheduled XXXX online payments that PNC sent out as checks. I was charged an overdraft fee for each check even though they did n't post to my account until XXXX and I was n't notified until XXXX. I the past they have always given until XXXX the next business day to cover any overdrafts, in fact this is their stated policy : PNC 's {$5.00} safety buffer PNC allows a {$5.00} margin of error. If you 're overdrawn by {$5.00} or less, PNC will refund any overdraft fees. 
Also, if you overdraw your account but then deposit enough money to be within the {$5.00} margin by the end of the business day, you wo n't be penalized. PNC will automatically refund any overdraft fees. 
However when I called and spoke to two different supervisors I was told that because the items were sent as checks the buffer policy did not apply as I should have had the money available for when the check processed, which I did, I had checked the account the day before after business hours and the checks had not presented. So when I went to transfer the funds the following business day as per the buffer, there were already XXXX overdraft fees in excess of the amounts that were covered! After multiple calls I was refunded XXXX of the overdraft fees after being " educated '' regarding PNC 's current policy in regards to checks. I asked how I was supposed to cover the XXXX checks on the same business day if they did n't post until XXXX and was told again that the buffer did not apply to checks which is not stated in their policy. Unfortunately this is not the first time having issues with them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Incoorect information is on my credit report and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Auto) with WELLS FARGO & COMPANY (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: To whom it may concern, I was planning on buying my first home i had checked my credit and seen that I have XXXX accounts that does not belong to me. I do not know if it 's a mixed credit file or if someone has been using my info, But what I do know is that these accounts on my credit file does not belong to me. XXXX of the accounts are Wells Fargo Auto. On XX/XX/XXXX I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the XXXX credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. XX/XX/XXXXS - XXXX of the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information XXXX XXXX XXXX XXXX XXXX XXXX. 

When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation