milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Fay Servicing, LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: There are serious issues with my mortgage that would indicate my current servicer, Fay Servicing and the alleged note holder lack standing to foreclose which they are currently threatening to do. There are also issues that show they are billing me for tax escrows that were never paid. 

The first mortgage assignment recorded on XXXX/XXXX/XXXX prepared by XXXX indicating XXXX was assigning the mortgage to XXXX would be void due to the fact that XXXX would have had no agency relationship with XXXX XXXX in XXXX due to the dissolution of XXXX XXXX XXXX as a corporate entity on XXXX/XXXX/XXXX. 

The second mortgage assignment recorded on XXXX/XXXX/XXXX, assigning the mortgage from XXXX to XXXX Legal Trust is also problematic for multiple reasons. 

First, it appears XXXX violated the REMIC provisions ( Sections 860F and 860G ) of the Internal Revenue Code of XX/XX/XXXX that state a mortgage in default can not be placed into a REMIC Trust. 

After reviewing the Securities and Exchange Commission 's XXXX database, it appears that XXXX Legal Trust is not registered with the Securities and Exchange Commission ( SEC ). It appears XXXX Legal Trust is in violation of Section 5 of the SEC Act of XX/XX/XXXX that requires all entities offering securities to be registered with the SEC or qualify for a Rule 144a exemption from the registration requirements. There does not appear to be a Rule 144a exemption filed with the Securities and Exchange Commission. 
There also seems to be serious miscalculations of the amount Fay Servicing is claiming I owe on the mortgage. According to documents supplied by Fay Servicing and their attorneys, XXXX XXXX XXXX, Fay Servicing is charging us {$27000.00} in tax escrow payments from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. However, it appears from a XXXX county tax bill sent us in XX/XX/XXXX that the outstanding property taxes equaling {$24000.00} were never paid. The property is currently in the process of tax forfeiture.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: i closed my checking account # XXXX in person at the branch in XXXX, MA. 2 weeks later, the account was " reopened '' due to a payment being debited to a XXXX XXXX credit card that was attached to the account. There is absolutely no way that an account should have been " reopened '' because of this. If anything, I would owe a late payment to XXXX XXXX. Santander Bank has no right to be paying my bills from an account that I closed. This is fraud. 

The representative on the phone told me that even though an account is closed, Santander Bank has an obligation to pay any bills attached to it. It 's not Santander 's obligation to pay my bills. If anything, i would have to deal with the issue with the debiting bank. It should be noted that the representative specifically stated that the account was " reopened. '' With all of the sales practice concerns and inappropriate account openings occurring at large financial institutions, i know this is a buzzword for the industry.

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 10-12-2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (GA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Id like to take issue with BBVA bank on their over draft fee policies. On XXXX XXXX XXXX I had {$44.00} in my account, I made a purchase of {$10.00}. On the XXXX I had {$33.00} and made a purchase of {$10.00}. On XXXX/XXXX/XXXX I made a purchase of {$7.00} bringing my account to {$26.00} but had a pending transaction of {$62.00} which would bring my account to - {$35.00} and an added {$38.00} for overages. Logically the transactions would be processed in the order made regardless of my {$62.00} pending transaction however I was charged overdraft fees 4x. 

I spoke with a representative at BBVA in their disputes dept on XXXX/XXXX/XXXX at approx XXXX est, and they said that the account had the pending {$62.00} dollar charge and because my balance was less than {$62.00} I had $ XXXX in my account at the time the first transactions were made which means that I would be charged {$110.00} in overdraft fees. I believe that this bank deliberately reorders transactions in order to jack up overage fees!

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (Other debt) with Focus Holding Company (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX sent a notice back in XX/XX/XXXX in which i called as soon as I got the bill. It was an old bill from XXXX XXXX. I was willing to settle the debt since it had hit collection however the amount on the bill was not the amount I was told my last bill was going to be. After speaking to the representative, I was told if I paid the amount I could today and then call XXXX XXXX to try to get them to lower the bill, they should be able to take the payment I had just made. Unfortunately, that did n't work. After making half the amount owed, this collection company still sent me to collections due to lack of payment. I told them I wanted to settle and I know how agencies work. I have this call recorded, just like they should. I would like for this to be removed from all 3 credit bureaus. I have kept my report clean, and have been working to keep it that way, but his is ridiculous. Dates range from XX/XX/XXXX until XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I have been dealing with Citi Mortgage for several Months trying to conduct a Short Sale of my residence. All documents have been submitted for review ( were again verified complete over 30 days ago ). But every month the case is reassigned to a different short sale representative. We are now about to lose our buyer due to failure on Citi 's part to process in an acceptable timeframe.

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 07-06-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: Navient does not give a clear path to find your monthly statements on the website. I need documents easily if they want us to be paperless. This information is hidden and unattainable. I have to call to get documents. Tonight I have spent 45 minutes trying to find where statements are located with no success and it is too late to call to get my document sent. This should not be a difficult document to find.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX XXXX has continued to sell this account to multiple debt collectors and I have been called 15 times a day starting at XXXX through XXXX hours. I have filed a police report stating that this debt is not mine and that my identity was stolen. I have completed all copies that XXXX wireless as required but I still get harassing letters and telephone calls. The latest company is Diversified Consultants , Inc and XXXX XXXX XXXX XXXX. They refuse to listen and my credit is being negatively affected by this.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They say i owe this debt, but they can not provide me proof of my whole, Social Security number or even baring my full signature, and have not provided me with an agreement between me their establishment. I sent them a validation letter but they provided me with a computer generated report of transactions which may not be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XXXX this year, ( XX/XX/XXXX), I received from XXXX XXXX XXXX a XXXX, cancellation of debt form, for {$XXXX}, which I filed with this year 's tax return and it was reported as income. XXXX XXXX  XXXX is still reporting to the credit bureaus that I have a balance of {$XXXX}, which is hurting my credit score and my ability to get credit cards or personal loans. I have filed disputes with XXXX, TransUnion, and XXXX, and have either uploaded the form XXXX, if possible, or sent a copy by US postal service to the addresses of the credit bureaus. With XXXX, I was able to upload the XXXX and as soon as they received it, I received an email from them, ( XX/XX/XXXX ), that they updated my credit report and made changes. Now they show the XXXX XXXX XXXX credit card account as having a {$0.00} balance and as being paid. My problem is with XXXX, TransUnion, and XXXX XXXX XXXX. XXXX and TransUnion wo n't budge, even with my supporting document ( XXXX ). XXXX told me over the phone the other day they received my dispute on XX/XX/XXXX and will send me the results of their investigation within 30 days. I feel it is unfair, and or illegal, that having to had report {$XXXX} to the IRS as income, they are still reporting it as the balance I owe them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Bank account or service (Other bank product/service) with Google Compare Credit Cards Inc. (OH).
Issue: Using a debit or ATM card

Complaint: I tried to purchase an XXXX through Google. It took a day for Google to accept that my credit card was valid. But, when I tried to read the book using Google XXXX, a huge and eventually, insoluble, number of obstacles were put in my way regarding the compatibility of my XXXX devices with Google 's preferred XXXX platforms. I spent over 100 minutes with Google 's call center employees trying to resolve the issue. I sought advice on XXXX which also did not solve the issue. I want the money refunded to my debit card and I want to be paid for the frustration caused by Google 's deliberate ogopolisitc practices .I also want Google to provide me the book in a manner that I can easily access.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I obtained my loan in XXXX when I had enough equity in my California home to pay the $ XXXX cost of the XXXX 's program upon graduation. In XX/XX/XXXX the housing market crashed, esp in California and my home was well upside down. No more equity. And not my fault, or rather completely out of my control. And finally, no more home since I had to leave the state for continued employment. Now XXXX/Navient wants me to pay on a loan that 's edging closer to $ XXXX due to interest since XX/XX/XXXX. I simply can not afford it so I keep forbearing and I do n't have much of it left. Is n't there any help for those who lost so much money in the housing crash? Lost everything???

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Debt collection (Non-federal student loan) with URS Holding, LLC (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Follow-up on Complaint # XXXX When speaking with XXXX on Friday I stated I was at work and unable to work and that I would call when I had a chance. He put pressure on me saying that he would only be in the office for another two hours. I am in a different time zone and work off hours. 

He has repeatedly call my work phone number and is harassing my staff. I do not want to be contacted on my work number. It is completely unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Experian deceptively led me to give my CC for charging to me credit report. They did not give any information on the service they are providing and how and which number to call to cancel, or that they have charged my CC. Their WWW deceptively gives information forcing you to give your CC as if it is required to give you the credit report and then without notice they charge your CC, Request made to cancel the service is very aggressive. Calls are dropped, that 's what happened to me and they refused to refund me later call, when I saw the charge on my checking account,

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 reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is not my XXXX card, I have been experiencing issues with my dad 's debt being wrongfully associated with my credit. I am XXXX XXXX XXXX XXXX, my dad is XXXX XXXX XXXX XXXX ( XXXX ) I do n't know if this is his card, or if it is a card someone has fraudulently opened in my name.

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 05/20/2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I received the Florida Hardest Hit assistance in XXXX XXXX and FHH paid my mortgage comany XXXX partial arrears of XXXX and my monthly mortgage for one year until XXXX XXXX. During this peroid I have been unable to work out a plan to resolve the outstanding arrears of {$8800.00}. I am now able to pay the monthly payment and resolve the arrears within one year. Bayview/XXXX failed to dismiss my foreclosure proceedings and have not moved to reschedule the hearing for XXXX XXXX. This foreclosure proceedings should have been dismissed upon receipt of funds from FHH. In sum, Bayview/XXXX have received approximately XXXX during the last year and are still moving forward with foreclosure proceedings. These actions are not consistent with the FHH program and fail to demonstrate good faith or the intent of the FHH program. In addition, I provided quarterly reports to my FHH agent detailing my inability to resolve outstanding issues with the mortgage company. Documents detailing my efforts can be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
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: XXXX XXXX XXXX XXXX XXXX and Transunion for {$530.00} form XXXX XXXX XXXX on XXXX XXXX,2016 reported. I sent the dispute and I still have not received a reply. I have no clue what this charge is about. I 've been trying to resolve this issue for quite some time. 

Please let me as soon as possible

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 11-02-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (FL).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. I believe that my accounts have been used fraudulently in the past and currently. Can you please check to see if any personal or business accounts are open under my social security number or have been open in the past. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # 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 09/23/2015 about Debt collection (Credit card) with Retention Consulting Services Inc. (MA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: On XX/XX/XXXX a woman by the name of XXXX ( mumbling last name ) Said she received some documents. She needed my signature and was going to send the documents certified mail. She said I need to be home between XXXX and XXXX to sign for said documents certified mail. If I have any questions or need to reschedule to call them. at XXXX with my claim number. I called back and spoke to a man by the name of XXXX I asked him what the name of his company, he said they are a legal claims office and they handle claims. I asked if he was an attorney? he said no but he could get one if I would give him my social security number.I hung up.I called back the next day and I asked the name of the company I was told it was Regency Capital. I dont know who these people are

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX  has failed provide validation of this debt i allegdly owe they have failed to provide me any info after numerous attempts all  XXXX  credit bureaus have not investgated and or removed from my reports

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 04/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been with XXXX XXXX for 5 years and have made every payment with an additional {$2000.00} Principal payment. My Home loan was sold to Specialized Loan Servicing on XXXX XXXX 2015. I received a letter from SLS that they had acquired my Home Loan and I contacted them and made a XXXX XXXX payment of {$1500.00} with an additional principal payment of {$2000.00}. They informed me that I owed them an additional {$610.00} and I asked where this amount had come from and I was told on XXXX XXXX that they would look into the fees and get back to me. 

They took the payment of {$1500.00} and the additional Principal payment of {$2000.00} for a total of {$3500.00} which was deducted from my checking account. After a week I checked my SLS account only to see that they had not applied the {$2000.00} to my principal but had made an additional Mortgage payment so I called again only to have customer service tell me they would correct the problem and it would show on my account by the XXXX of XXXX. 

Today the XXXX of XXXX I logged into my account only to see that they have taken the {$610.00} for which there is no explanation when it was transferred and reversed the Mortgage payment with this code - XXXX : Payment Reversal. How much more confusing to a customer can you get???? My account shows the same amount owed after making a {$3700.00} payment. 

I have called and left messages for XXXX XXXX XXXX at their corp HQ in XXXX, CO at XXXX ext XXXX with no response. They have little to no respect for customers when called to inquire about the way a payment has been applied and want to charge fees that were never included with the original loan at XXXX XXXX. I 'm not real sure what XXXX XXXX DOES???? or for that matter how they correct a problem when they buy the loan but the response and actions of SLS are in BAD FAITH as a lender.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 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: Problem with personal statement of dispute

Complaint: I sent a letter to XXXX TransUnion and XXXX stating that the XXXX XXXX credit card account XXXX In this the amount of XXXX dollars was unverified. I ask them to send verification and validation of the debt with documentation of the original contract with signatures which XXXX XXXX is suppose to have per FCRA and FDPCA to report to the credit agencies. All I received back was the was verified with no explanation. There was no real investigation done and no proof of said investigation.

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 10/21/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Equifax on several occasions in reference to the fraudulent accounts listed as XXXX XXXX and XXXX Bank Card. I 've sent in supplemental police reports that substantiate these matters as fraudulent over the course of months. XXXX card services was investigated and deleted back over a period greater than 6-7 months and now it has resurfaced. I also have personally contacted XXXX XXXX which had been advised by equifax office of consumer affairs but have still been unsuccessful in proving myself to the point that the fraudulent account does not belong to me. XXXX XXXX XXXX with XXXX XXXX have been overwhelming. I have been more than cooperative in providing her every requested document I can possibly present to her to prove my position. Sometimes it seems like the credit bureaus are for the individual whose committing the fraud instead of assisting and protecting the consumer. It would be greatly appreciated if this department could help in resolving this matter with the XXXX credit bureaus. 
Thank You

Company response to consumer: Closed with explanation