milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: This is a DEMAND FOR VALIDATION OF DEBT to US Bank, As Trustee, Successor in Interest to XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Acct # XXXX / XXXX To Whom It May Concern : Please treat this letter as a " qualified written request '' under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). 

We have received correspondence indicating that U.S. Bank National Association, as Trustee, Successor in interest to XXXX XXXX, XXXX XXXX, as trustee for XXXX XXXX XXXX XXXX XXXX is the Noteholder for the above referenced mortgage account. 

This request for information is submitted pursuant to Regulation X 1024.36 under RESPA. This request is not duplicative of any prior request for information on the above referenced loan account ( s ). 

Please provide a validation for the above referenced account # XXXX including amount owed, principal, fees and interest payments made since the inception. To wit, this is a request for a complete, correct and exact copy of the loan transactional history. This is also a request for deal side transactional history. 

Thank you for your cooperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: 1. Bank of America has not contacted me regarding my financial situation. It clearly states on all forms that send that " We are here to help ''. They have not. They occasionally leave a message but do not follow up or require very long hold times. 

2. Bank of America refused to hear my appeal. I was told I would be contacted for the additional information I had, they did not contact me. 

3. It took Bank of America over 1 year to review and re-review my documents, only to determine I did not qualify. I appealed to review their documentation. They denied my appeal in a matter of a couple weeks when it took them over one year to initially make the decision, leading one to believe they expended little to no effort to review this case. 

4. Bank of America is encouraging me to default on making payments of my loan. They stated that this is the only way in which they consider helping out customers. 

5. Bank of America did not address all my concerns in the original complaint and stated so. They have not contacted me to assist in this matter. 

6. Bank of America sold me this loan based on false information. They explained it was a 30 year loan but did not explain it would be " interest only '' for the 30 years, that it would adjust after XXXX. I would not have purchased this type of loan if I had know this. 

7. Bank of America has offered me no solutions to resolve this matter. 

8. XXXX To which Bank of America states I make to much income for there loan modification program, XXXX other banks stated I made to little. XXXX 9. Bank of America stated that they would not give me exact information regarding the amount of income or debt one needs to qualify for a loan because they sated people could lie about it. However, some people may decide they need to get a job, or a higher paying job in order to qualify. 

10. Bank of America has assigned and then changed personnel to help me over XXXX times.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Debt collection (I do not know) with Credit Protection Association, L.P. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I checked my credit report and have seen a several fraudulent claims on there from Credit Protection Association in the amounts of {$260.00}. Innovative XXXX. 
{$82.00} XXXX I have no knowledge of this claim nor am I responsible for it. You cant just be putting false accounts on people credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2017 about Debt collection (Private student loan debt) with UNITED GUARANTY CORPORATION (SC).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: This complaint is in reference to the calls and letters I have received for student debt accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. United Guaranty has called and sent a letter stating that I have not paid the monthly bill for XXXX, XXXX, XXXX XXXX. This is not accurate as I have paid these bills each month. Please note that I have written several letters at this point over the course of several months asking for my account to be updated as I have missed NO payments dating back to XXXX XXXX when I found out my loans were sold to United Guaranty.

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 01-08-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (DE).
Issue: Problems caused by my funds being low

Complaint: The wrk before XXXX I made a math error with my checking account. This should have resulted in XXXX NSF fee but instead my bank Wells Fargo paid the largest to smallest transaction resulting in almost {$500.00} in NSF fees. I reached put to them and spoke to XXXX employees who had no sympathy and rudely stated that is their policy and basically too bad! Then on Tuesday I reported XXXX fraudulent transactions and not only did they pay them they charged me XXXX more NSF fees and they had no recollection so now they have almost {$600.00} of my money. I know other banks in the area do not engage in these practices and XXXX bank actually resolved a class action suit for engaging in these practices! 

I am hopeful that you can assist me in recovering my money. 

Thank You!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/31/2017 about Payday loan, title loan, or personal loan (Payday loan) with Ad Astra Recovery Services Inc (HI).
Issue: Problem with the payoff process at the end of the loan

Complaint: When XXXX XXXX tried to debt my acct on the wrong day causing an Insufficient Funds overdraft and then they tried again and another overdraft. I did not have funds available at the time they tried to withdrawn funds. With that amount in overdraft fees {$60.00} I called XXXX XXXX to try to make payment Arrangement and while I was trying to set up payment plan XXXX XXXX sold the debt to Ad Astra Recovery Service Inc. Ad Astra upon acquiring this debt from XXXX XXXX to which I had no Knowledge until I again was hit with Overdraft fees by my financial institute {$45.00}. I called Ad Astra and they informed me they Purchased this from XXXX XXXX and I was now indebt to them and I must pay the full amount or they will take legal action. With all the errors and overdrafts I can not even make a payment. These extra charges/fee has taken me from my fixed income budget and has put me a very serious financial situation. I can not make my Mortgage Payments any longer. I am XXXX and this has caused great hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I went online to Experian to check my credit score for their advertised price of {$1.00} prior to making a major purchase. Doing this automatically enrolled me in a 7 day free trial for a monthly service I did not want and, subsequently, a monthly billing to my credit card for {$21.00}. I believe this is a dubious business practice at best, and XXXX beneath a major credit reporting agency. Although they did agree to cancel my service, they refused to refund my {$21.00}.

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 monetary relief
Consumer complaint received 06-04-2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company increased my mortgage payment by approximately {$250.00} but could not justify the amount when questioned. When I calculated the increase from XXXX of my escrow it was a {$400.00} difference, which is approximately a {$34.00} difference per month. Bayview confirmed this over the phone yet still charged me {$250.00} more per month in escrow. Every time I called they refused to give me a supervisor or the name of a supervisor and continued to tell me that I could dispute the amount even though their documentation did not support their claim. I requested documentation and they did not fulfill that request. They stated that they had tax bills to support the amount but when I requested a copy of them they did not have them. You can not give someone a bill without supporting documentation. The disturbing piece is their customer service department supported their flimsy, weak statements and believed they were right. I am shopping for a new company. If your loan is sold here I strongly advise you to find a new servicer because they will take everything from you if you are not paying attention and they do not resolve issues, nor do they provide any form of customer service. Their only actions are to steal form unsuspecting customers.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (AL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Have not received any written notices called them after they put on my credit report no Mini Merada and no verification of debt..was told they did not have to verify and how would I like to pay now over the phone.Then they took it off my credit and then put it back on still no notifications

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/28/2016 about Debt collection (I do not know) with EOS Holdings, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: EOS CCA did not verify debt and billing statements.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LJ Ross Associates (MI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was called today about this debt. I am currently unemployed and do n't have the financial ability to cover past debts, I am struggling with current bills. 
I told the representative that I was unemployed and unable to make a payment. 
She said that she would note that I was unwilling to make a payment and that if I did not make a payment legal action would be taken against me. 
I reaffirmed that I said I was unemployed and unable to make a payment. 
She repeated unwilling... ( once again not what I said ) This was not the first time this collection agency has done this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Vehicle loan or lease (Loan) with AQUA FINANCE, INC. (FL).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: This is not a vehicle it is a commercial trailer loan with a company called Aqua Finance, which i do already have a existing open loan since XXXX XXXX. Yesterday XXXX/XXXX/XXXX I applied for a additional loan through the funding company Rock Solid Funding that goes through Aqua Finance ( which again I have a open loan already with them on a trailer I purchased XXXX ) I got a email from the XXXX XXXX XXXX  that Aqua Finance denied me. I called Aqua finance today XXXX/XXXX/XXXX at XXXX ( eastern time ) I was on the phone for 41 minutes and got no where.I spoke to the lady who answered to find out why I was denied she said my account is past due, I explained to her it is not according to all the invoices/receipts she spoke to a supervisor and came back on the line and said due to that they denied me, I asked to speak to a supervisor ( XXXX ) I explained I am current according to all my bills since XXXX she transferred me over to billing, I spoke to XXXX she said she has a 3rd party billing and they always mess up and explained I had a payment due today which I was aware of and was to pay today ( which I did ) I asked XXXX so I am not past due she said No. I asked to be transferred back to ( XXXX ) the supervisor she then said the same things I said I need to talk to your Supervisor she got me on the phone with XXXX I explained the whole situation that I should not be denied for past due balance cause I am not, I told her that I have all emails, receipts, their invoices showing no past due etc.. She then stated we are not financing you due to late payments, I then got upset mentioned to her that I will contact FTC and who ever I need to since I feel this is a " false statement about the ability to offer a loan '' since I do not have a deliquent/past due. XXXX then changed why i got denied and said we are not approving you due to having to pay off exsisting loan which I then got angry with her and said oh now XXXX you are changing why I got denied after you and everyone else stated before I was denied for past/late charges which is incorrect!! She then had nothing further I told her I will forward all this proof over that I am not late/past due she then didnt want to speak to me further. 
I am so upset with how this is handled and how i am being falsely denied of this loan which is affecting y business.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of 2016 DiTech financial informed us they did not have proof of our last property tax installment. We faxed the receipt to them and heard nothing more. In XXXX, we attempted to pay our first installment of property taxes and were refused. We were told that DiTech paid them. We called DiTech and asked why they paid the taxes and they said that they started a escrow acct. We were not informed nor did we request a escrow acct. We asked DiTech why this happened and we were forwarded to the Property Tax division where we eventually were passed to a supervisor in the XXXX office name XXXX. XXXX investigated and admitted that DiTech made a mistake and that we should not have had the escrow acct. That it was XXXX and right after the holidays within a week he would contact us and let us know that the issue was resolved, that the taxes were now back in our responsibility. The contact never came, my wife and I personally called XXXX and left numerous messages but no returns ever came. A letter came XXXX XXXX stating that our account had changed and it was now under escrow, no viable information as to why was offered. We made our normal mortgage payment ( without the addtional escrow fee ) in XXXX, DiTech accepted it without issue. 
Since we determined that the only way we were going to get out of the escrow account was to search for a refinance option. We found an option with better terms and shorter duration and no escrow. We accepted the offer and closed on XXXX XXXX. We attempted to pay our XXXX payment to DiTech and they refused the payment unless we paid an additional XXXX for the escrow. We stated we were not paying the escrow that we never agreed to the escrow and we had found other financing because they forced us to. DiTech responded with the threat that we either pay the full amount they stated or they would turn us over to the credit agencies. 

On XXXX we received a letter from DiTech stating we are now late and have added $ XXXX to our account as late penalty. 
This threat, even if it does not come true, is completely a bully tactic and left us with no choice but to look for your help. We will also be filing with the Oregon State Attorney General 's office so that DiTech can be told that they do not have the right to bully and do as they wish with my home or credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax has not investigated any of my accounts - Congress states that once I notify them that there is inaccurate information, they must initiate an investigation and the burden is on them to prove that their information is incorrect. They did not investigate, they did not attempt to investigate and this information has been sent to them 5 months in a row with no results whatsoever. I will be hiring an attorney to act on my behalf as I now have proof that they have violated many laws. Why are n't they helping me? I have clearly stated my disputes and I am sending you ALL of the letters that I have given them. 
Please see attached letters which substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Credit line increase/decrease

Complaint: Well Capitalone is doing it to me again. The card that was originally issued through them has an interest rate of 22.9 %. They increased this card limit to XXXX dollars on XX/XX/XXXX. They then increased the limit on this card to XXXX dollars on XX/XX/XXXX. That is a span in time of about a year and a half. Keep in mind I started out at a XXXX dollar limit on this card. I have never had one late payment and I pay way more then the minimum every month. Although I am sure they wish I did n't because they would make more money in interest off of me. The other card which was first issued by Orchard Bank was bought out by them and had an interest rate of 14.9 %. They bought the card and knew what the interest rate was. I am still at a limit of 2000 dollars on that card. I keep it up towards the maximum because the interest rate is cheaper saving me money. I have never been late on this card either with payments and again have paid way more then then the minimum payment each month. The limit was raised to 2000 dollars on XX/XX/XXXX only because I filed a complaint with you at that time. At the time of that complaint they had me at XXXX dollar limit. My complaint is the same again today. They hold me back on the credit limit of this card because they make more money off of me on interest on the other card. My credit is good and my payment history is good. It is now XX/XX/XXXX roughly a year and a half on this card also now. I feel they should reimburse me some interest from the other card and increase my credit limit to at least XXXX dollars. You know in this day and age there are a lot of balance transfer offers with 0 % interest, some for a year, some for more time. I am really thinking about doing that if they do n't stop doing this to me. I am giving them the benefit of the doubt like they gave me after my bankruptcy. I am not unappreciative I just feel like I 'm being ripped off again. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2017 I saw reports of a large Data breach at Equifax. I went to the Equifax site and found that my information was compromised as part of the data breach. Equifax has known about this breach for weeks and not notified people that were impacted by this. Also, I am seeing articles stating that Equifax employees sold a bunch of stock prior to the breach being made public.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a 2 hard inquiries both from XXXX that I did not do : XX/XX/2016 XX/XX/2016 I spoke to them about it and they confirmed on the call that I was not the person who tried to open these accounts. I notified the credit reporting bureaus but they are still showing up on my credit report. I would like to have both these hard inquiries. removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I signed up for direct debit for my student loans from my XXXX in order to reduce the interest by .25 % from the original 6.8 %. Today I looked on my account to see that Fedloan did not take my funds on XX/XX/XXXX ( though my bank was open ) because it was a weekend and instead bumped the debit to XX/XX/XXXX. The interest for XX/XX/XXXX and XX/XX/XXXX was still accruing on the {$71000.00} loan. Never once was I delinquent in the past 22 years of paying loans for XXXX with XXXX XXXX from XXXX College. There is now a delinquent notice on my account that states " If you did not make a payment yet, you can choose to pay online right now. You can also sign up for Direct Debit and never be late with a payment again. '' I called fedloan and the woman on the phone called me XXXX XXXX XXXX. That is close to my first and last name but it is not my name as I am a female so I gave up on trying to get them to understand that interest accruing on dates when a payment was supposed to have been taken by them is not fair. I want out from underneath this student loan company so badly, but feel I have no choice other than to keep shoveling out.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Deposits and withdrawals

Complaint: This is my second complaint for Capital One 360. This is a different issue. A check written to me ( # XXXX ) for the amount of {$730.00} was reversed out of my checking account on XXXX/XXXX/16. After talking to Capital One 360 they said it was redeposited by a XXXX customer. ( as my older complain # XXXX in which i was reimbursed ). Check # XXXX is in my possession with VOID written on the front and the back of the check. There is no way that this check was deposited again at a different bank.

Company response to consumer: Closed with explanation