milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: I have been trying to modify my loan for over 4 years now. I have submitted documentation time and time again to no avail. I requested an appeal based upon the last streamlined request for modification by XX/XX/XXXX. XX/XX/XXXX, I submitted the streamlined modification request however on XX/XX/XXXX, I received another forebearance with payments of XXXX which would be for 12 months AND a balloon payment of approx {$130000.00}! At which point, my representative was advised that there would be no guarantee of a modification. This was very perplexing and frustrating. 

All this time I was waiting I was excited for my family and myself because I actually believed the bank was going to actually review and come up with an affordable payment when I submitted the streamlined application. It appears to me that they did that only to make it seem like the bank was trying to help but they had no intention, especially not with those numbers and keeping the same rate of 7.45 %. 

I requested an appeal and as of XX/XX/XXXX, they had not received the request for the appeal however, my representative advised the SPS representative to please notate the account and he advised that he would. I still have not received a reply to the appeal. Then again, I do n't know how they are reviewing since I was not asked for my documentation. The NPV document did not have any information other than the value based on average sales of the property but no appraisal. 

It appears that the bank is going through the motions since it has been a long time that I made a payment. This was not because I did not want to but because both my mother and I had experienced a real hardship in XX/XX/XXXX. As I mentioned I reached out to the bank but they kept denying a modification and sending me forebearance with huge payments as a workouts. 

We purchased the home in XX/XX/XXXX, for $ XXXX, and the current principal balance is approx $ XXXX plus arrears. Had the bank allowed us an afforadable modification back when we started the request, we would not be owing so much in the arrears. Yes we had a major hardship, however, as time has gone by, our financial situation has changed, yet I can not refinance due to the negative impact on my credit. 

The bank will not lose money by modifiying my loan. On the contrary, since the loan amount is now over $ XXXX, they will be making more. If I sell the home, we would lose our family home and all it entails. 

We are requesting your assistance to ensure that our request for modification review is properly calculated and not have the bank continue to give us an unaffordable workout. We do n't want to lose our home and be displaced and end up homeless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are numerous complaints logged concerning this matter and still it remains unresolved. Just what does it take? I have contacted the company my balance   XXXX    paid in Full  XXXX   XXXX  did not close the acct but was advised by the creditor " the account credit line remained open for purchases. '' I have filed the written  XXXX  character explanation. I have contacted the creditors and still this company can not post correctly. Last report I was informed it would take 60 days and the multiple complaints open for months. Mortgage paid  XXXX  Balance  XXXX    XXXX  ! 2 Months more unacceptable. This report number  XXXX   XXXX  Impacting me financially significantly showing debt that does not exist.

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 04/16/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Transaction issue

Complaint: On XXXX/XXXX/2015 I paid my credit card bill {$180.00} On XXXX/XXXX/2015 I received a message stating that amount was pending due to a XXXX CAPONE OTB HOLD. I called to inquire about the hold up. A supervisor stated it was because I paid my bill to often in one month, so they were placing a hold because of suspicion of fraud. They called my bank with me on the line and inquired about fraud. The bank confirmed there was no fraud. the bank further told them that the {$180.00} was released to them. They confirmed they had received the payment. After they hung from the bank the supervisor for Capital One told me she was going to keep the hold on for several more days. On XXXX/XXXX/2015 a payment of {$17.00} was allowed to go thru. This coming after a hold was placed on the {$180.00}. I told the supervisor : # 1. I suspect that there was an attempt to control my spending view slowing the process to return my credit limit to its normal amount. # 2.How is it that they were the complaint party for my bank who was not concerned with the allege fraud. She stated I should not pay my bill as often as I had. I stated I wanted to produce a good pay record to help my credit and I needed my limit restored in order to buy other goods. I informed the supervisor that I take umbrage to how she and the other employees were handling my situation. The situation being that a made up charge of fraud that the bank where i have paid all of my bills concerning capital One all of a sudden became fraudulent. I ridiculous that Capital One would investigate fraud for another institution who have their own security measures in place. This supervisor called my institution and never offered a legitimate reason for calling only saying it was a mistake that had already been resolved. It was so unbecoming of a business such as Capital One. I told her, I was offended by what they were doing that the real reason for all of this was to keep me from paying my bill so rapidly. She stated the hold would be removed but she cautioned me to not pay my bill as often.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (TX).
Issue: Managing the loan or lease

Complaint: I was approved for a loan in the amount of {$16000.00} in XXXX XXXX and my first payment of {$370.00} was deducted from my XXXX account in XXXX XXXX. Loan # XXXX I was automatically set up on automatic withdrawal payments and was told that I would be able to remove the automatic withdrawal payment option in the future if I wanted. 

What was not disclosed to me was that if I removed the automatic withdrawal from my account, I would be assessed a {$7.00} fee for each payment I sent the company. After closing the XXXX account, I send payments thru XXXX XXXX Bill payment system to the Lending Club. 

XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX I have received two ( 2 ) emails from the Lending Club telling me that they do n't accept partial payments. These are not partial payments as they are sent to The Lending Club prior to the due date. They are attempting to force me to pay only once ( 1 ) a month. This is a Simple interest loan. I have been bombarded with emails stating that they will apply my payments as " principal only payments '' and force me to pay the payment of XXXX as it is still due.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I wanted to know when PMI is removed from my loan. I checked consumer finance & read that PMI should be dropped once my loan had reached 78 % of what the value of home was @ time of purchase. I called BOA & received a denial letter stating that their requirement is 75 % of the loan amount rather than the value of home.My home was valued {$20000.00} more than we bought home. Then they told me that I could have my home reappraised to prove it did n't lose value. When I called on XXXX different occasions, I kept asking why they do it based on loan amount rather than value & what good does an appraisal do if it 's based on loan amount? XXXX Rep told me the appraisal would n't really help my situation. So my next question was, why was a {$600.00} appraisal even suggested- it would have been an expensive waste of time. XXXX Reps agreed with me, but never answered XXXX. Why is it based on loan amount & not value and why XXXX instead of XXXX. XXXX. Why was the appraisal suggested if it was n't going to benefit my situation. I 'm very frustrated that they have different rules and extremely upset that they suggested a costly and non beneficial appraisal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: After countless disputes to Transunion with no adequate results I have filed lawsuit now I am again extending an olive branch to the company by allowing them to rectify the situation and delete the Public Record off my credit report

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 10/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my coop mortgage in full in XXXX 2016. I have been waiting for my original stock certificate, note, and security agreement. According to NYS law, these documents are to be delivered to me within 45 days of payment of the mortgage. I 've called Ditech, sent letters, etc., but only get roboletters in the mail stating that it is looking into the situation. Clearly, the documents are lost. I had to pay {$600.00} to get at least a replacement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have disputed the following address XXXX XXXX XXXX, Texas XXXX with XXXX for I have NEVER resided there. My driver 's license has never had this address. XXXX keeps allowing several creditors to report this inaccurate data on my report. I 'm not sure how they have linked this address with my name. You can contact the Texas Department of Public Safety to confirm this as well.

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 08/21/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Midland Funding is reporting an account on my credit report. I filed for bankruptcy in on XX/XX/XXXX, and my bankruptcy was discharged on XX/XX/XXXX. This account was initially removed from my credit report, but was reinserted TWICE by Midland. It is showing a {$0.00} balance, but should not be showing at all per it is an FCRA violation to reinsert items onto a consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Continue to get harassing calls constantly which has escalated to now indicating a lawsuit has been filed against us and our home. Written notice was sent to cease and desist but call continue. 

Now my minor children ages XXXX and XXXX are receiving calls on their cell phones with the same message indicating a lawsuit has been filed against us. 

No verification of debt notice has been sent to provide opportunity to dispute any and all charges.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: " To receive the {$300.00} bonus, you must open a new Bank of America Core Checking account and set up and receive XXXX Qualifying Direct Deposits of {$2000.00} or more each to your new personal checking account within 90 days from account opening. " I received the ad in mail from Bank of America. Because of the attractive bonus, I opened a new checking account and then transfer my salary to it. 3 months later, I did not get any bonus as they committed at beginning. I called their customer service hotline, contacted the teller who set up the new account and resubmitted the relating documents to one of BOA branches. Nobody can tell me exactly what 's the " qualified deposit '' is. My company paid me every two weeks, the bi-weekly income is less than {$2000.00}, but the " qualified deposit '' they required is monthly income .... I believe it 's a big trap for consumers. I wasted too much time to call their customer service, and they kept transfer my call to another person, and they asked the same questions about your account information, your name, birthday, social security number, when you tried to get the solution, they said they are going to transfer you to the right department, and you never know where is the right department. 
Bank of America is a lier! I wo n't trust them any more. Do n't trust their promotions, they are professional liers who are ready to trap you all the time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-03-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus continues to refuse to provide paper monthly statements mailed to my household, which was agreed upon over 14 months ago and after numerous complaints still agreed to the statements mailed monthly to my household. Seterus again has removed all account information and previous history on my account online. Seterus also eliminated and prevented digital monthly statements online. These issues never have been resolved no longer that a month or so then back too varying degrees of missing account information, no online or mailed statements received. I have no ability to have a history of account activity, nothing stated on account online how much my payment is or due date. These reoccurring issues have been going on over 4 years now.. I contacted Seterus on XXXX and was put on hold again XXXX XXXX stated a work order was generated and I will receive statements next month. Same action every time but no solution ever. I am certain 100 % that next month nothing will be corrected and Seterus will take 6 months to correct this after responding to this complaint, and after the correction the following month the problems will be back ... ..LOOK AT PREVIOUS COMPLAINTS ... ... ... .HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: When I pay extra money towards my principal balance, Freedom Mortgage posts my regular monthly payment XXXX, they deduct what I owe to interest, then the principal amount from my regular payment, then on a separate entry they will enter whatever amount I paid extra towards my principal payment. Well after they deduct this extra principal I pay, they then post the TOTAL OUTSTANDING BALANCE with the regular monthly interest they deducted on the regular payment back into my amount owed. This month is was {$330.00} added to my total due instead of it being deducted. Plus every year they transfer my loan from one lender to the next and I have to either agree with the balance they say I owe or dispute it. I disputed it because of their failure to post payments correctly. They sent me several documents of my payment history, but not all of it as I requested. There are months missing. I need to know if there is someone I can hire to audit my account and get the files. They transfer the mortgage from their sister companies every single year so far. Just to make sure they keep skimming off the payments when people do n't notice they total your money back into the balance as if you did n't pay it at all. Just a little at a time so it is n't noticeable. Customer service is n't helpful, phone calls are time consuming, their website is hard to look at each payment due to the way they post the payments. XXXX/XXXX/XXXX Payment Received {$22000.00} Detail XXXX/XXXX/XXXX Principal Payment Reversal ( {$22000.00} ) Detail XXXX/XXXX/XXXX Payment Received {$22000.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Payment Received {$21000.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Principal Payment {$39.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Payment Received {$40.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} If I pay {$22000.00} towards the principal balance, then the balance should be that exact amount subtracted from the prior months balance. Instead they added {$330.00} into my final balance. I want the entire account analyzed due to the fact that every penny we earn from our jobs goes towards this loan. They are thieves. I HATE THIS COMPANY AND WANT OUT OF IT! I want to find a bank that is honest and do n't try to steal from hard working people who actually try to pay their bills off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
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: Equifax did not do their due diligence to protect my credit information, and their systems were compromised for at least 2 months in summer of 2017. I am among a list of millions of Americans who are likely affected by this data breach. I am freezing my credit to prevent potential damage, but I ca n't know for some months if any damage was done before my actions.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ATG Credit, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Filed previous complaint ( # XXXX ) on this entity and asked that they provide information on that debt, creditor and verify it. They indicated that the item would be removed while they investigated it. It never was removed, they submitted a spreadsheet as verification of the debt and no contract or other recognizable documents to verify its authenticity. They continue to report the item as valid, and have altered their name to report it yet again, as XXXX separate listings. Looking at the information they provided shows that the item originated in XX/XX/XXXX, not in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX as they have reported. This information is being falsely represented as current and accurate but given that it originated in XX/XX/XXXX it is well beyond its reporting period and should not be showing up as a current item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Bank of America 's credit card practice is rip-off. my XXXX monthly statement balance was XXXX USD. I had auto-payments feature ON. On XXXX XXXX I paid my balance in Full manually, just by clicking button " Pay '' when I was looking at my statement. On XXXX XXXX XXXX XXXX issued XXXX refund on my card, which made my balance on credit card even negative, but regardless of all mentioned Bank Of America on the last date of grace period charged my checking account again and deposited XXXX the second time, ignoring two things : 1. I have already paid in full. 2. I even had a negative balance. <P/>I found out about that looking at my checking account and immediately called them. The conversation with call center employee entails this complain. she told me that it was MY fault that I paid in full having auto payments on. I tried to explain that Auto payment feature must take into account all payments made by customer and refunds if any, and that it this the way banks like XXXX, XXXX and XXXX XXXX work, but I heard " Based on our policy we will charge full last statement even if you have already paid ''. <P/>I am not a lawyer, but I am positive it is against common sense because it turns credit card to a nonsense product, and it should be against the Law. I experienced overdraft fee on my checking, which must be paid my BofA, but they ignore my complains.

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