milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-09-2017 about Checking or savings account (Savings account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: On  XXXX   XXXX ,  XXXX  my mother  XXXX   XXXX   XXXX  died. At the time of her death her personal assets were held in the  XXXX   XXXX   XXXX   Revocable Trust  and this trust was managed by her. In the event of her death the  XXXX   XXXX   XXXX   Revocable Trust  named myself, her son,  XXXX   XXXX   XXXX  as successor trustee. As successor trustee of the revocable trust I am authorized to handle all of her assets of that trust including collecting payments and operating her bank account for the benefit of her beneficiaries and creditors. I attempted at the local branch of  Huntington National B ank to withdraw the funds presenting them a copy of the trust ; they refused to acknowledge the trust and froze the checking account At the time I had no problem with this decision and busied myself with my mothers affair.   At a date approximately 45 days later, I became aware that my mother had a savings account and that the total amounts in both accounts held by  Huntington Ban k were in exess of  XXXX , I again presented the appropriate documentation and Huntington Bank again refused to acknowledge the lawful exercise of my rights as successor trustee.   I was told that only when an executor was appointed  by Probate Court would the funds be released. Under Ohio Law I am under no obligation to file in probate court given the existence of the revocable trust. The trust qualifies as an estate and the successor trustee as executor. We opted for the revocable ttrust because a t the time of my father 's demise, predatory financiers attempted to defraud my mother of her property and we embroiled in costly litigation and criminal investigations for 5 years.   I then drafted a letter to the  Legal Department of Huntington National bank outlying my concerns and requesting that if they did not comply with my request, to  give me just cause in writing. When after approximatel y 3 wee ks, I had not heard from them, I resent the second letter and it too was ignored.   I contacted the  XXXX   XXXX  of Huntington Bank on  XXXX   XXXX  of  XXXX  and requested to be put in contact with their legal department. The personnel refused to honor my request and claimed it was the bank 's policy not to give out the phone numbers of their legal department. huntington has unlawfully closed to m e every avenue of acces s to collect the funds.   I have a lawful right to have my position as successor trustee of the  XXXX   XXXX   XXXX  Revocable Trust acknowledged as executor of the estate created by that trust or be given a response in wr iting why Huntington Bank refuses to do so Any help you can give me I this regard would be appreciated. Enclosed is copy of the letter sent to Huntington.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Checking or savings account (Checking account) with U.S. BANCORP (WI).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have contacted U.S Bank about this multiple times. I currently have an account with U.S Bank that I do not and havent used for close to a year. I had overdraft fees because I accidentally had a department store credit card balance get removed from my account. It oversrafted my account and charged me close to {$100.00} in fees. I deposited {$200.00} cash into the account because I did and do not have time to deal with closing the account. This put my balance around {$40.00}, so I knew I could sit there comfortably until I got around to closing it. I then received another almost {$100.00} in overdraft fees because they cashed a check for {$50.00} from my account that was over 1 year old at the time. They refuse to waive fees, refuse to close my account over the phone since my balance was negative from all of the overdraft fees, and I am worried they have reported it to my credit score. I have worked since I was XXXX to build up an impressive credit score without ever missing one payment. While managing investment property mortgages, multiple cars and credit cards very comfortably. I am extremely fed up with how they handled the situation, especially since l they honored a check from over a year before.

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 07-07-2017 about Debt collection (Other debt) with Solomon and Solomon, P.C. (GA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I disputed several times this account. Requesting for verification of the account that is leaving my credit profile in a negative manner. My request is to please delete this information with unproven evidence.

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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After reviewing my credit file I noticed some inaccurate data reporting. I reached out to all three credit BUREAS to request validation of the debt with XXXX XXXX, under the FDCPA and FCRA sec 609. One of the bureaus removed the item and the other two have continuously reported the data without proving any verifiable proof other that the Creditor verified the data. I also sent proof of the deletion results from XXXX  showing the investigation was done and the information was incorrect, incomplete or unverifiable. The Credit BUREUS are  required to notify all other credit reporting agencies of their results.

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 05/26/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I confirmed receipt of my XX/XX/XXXX payment by the servicer on XX/XX/XXXX. The payment was not posted that day. I continued to check their website and noted that they did not post the payment until XX/XX/XXXX. In addition, I received the next monthly payment statement and it listed the effective date of the payment as XX/XX/2016. During this time, I reached out to the servicer ( via their message center on their website ) three times and received no response except an automated acknowledgement that message was received. My last message was titled as a QWR as I believe the effective date of the posting is in error.

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 08-02-2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Ok so my dad was renting my house ( XXXX XXXX XXXX XXXX MO XXXX ) from XX/XX/XXXX-XX/XX/XXXX .. His name is XXXX XXXX my name is XXXX XXXX XXXX . My other home I have lived in are XXXX.. And XXXX MO .. I have NEVER lived at that XXXX XXXX that is my dad who lived there ... And that is HIS work history on my report I have never worked at XXXX nor XXXX .. Which takes me to the XXXX XXXX that is on my report that is NOT mine that is my dads .. And also the XXXX that is also not mine I have not had XXXX before

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Credit card debt) with Selip & Stylianou, LLP (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: THIS COMPANY & ATTORNEY 'S OFFICE HAS MADE NUMEROUS ERRONEOUS ATTEMPTS TO COLLECT A DEBT FROM ME THAT I DO NOT OWE. THEY FIRST OBTAINED A JUDGMENT WITHOUT EVER SERVING ME PROPERLY IN 2004. I WENT TO COURT AND RE-OPENED THE CASE AND THE JUDGMENT WAS VACATED. THIS WAS UNDER ONE NAME AND INDEX # AND ATTORNEYS OFFICE, THEN THEY AGAIN TRIED WITH THE SAME ATTORNEYS, BUT UNDER A NEW ATTORNEY 'S OFFICE NAME, SEEKING THE SAME DEBT UNDER ANOTHER COMPANY NAME. THIS CASE LIKEWISE NEVER RESULTED IN A JUDGMENT. YESTERDAY I GOT A LETTER FROM SELIP & STYLIANOU , LLP, ( WHO WERE PREVIOUSLY " XXXX XXXX XXXX '' YOU CAN SEE THOSE ATTORNEYS STILL ON THE LETTERHEAD OF SELIP AND STYLIANOU ) ON BEHALF OF XXXX XXXX SAYING I OWE A JUDGMENT. MY WIFE AND I HAVE WRITTEN AND CALLED THEM AT LEAST 25 TIMES OVER THE LAST 13 YEARS TELLING AND REMINDING THEM THAT I DO NOT OWE THIS AND THAT THEY DO NOT HAVE A JUDGMENT AND STILL THEY SEND THESE LETTERS AND WHEN WE CALL THEY ARE NASTY AND INSIST THAT I DO OWE THE MONEY AND THAT I DO HAVE A JUDGMENT AGAINST ME. I AM AT MY WITS END.

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 12-01-2017 about Debt collection (I do not know) with Williams & Fudge, Inc (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I had no knowledge of this debt until I tried to get a copy of my transcript. It was not on my credit report, and it was months before they could even locate my information to tell me a balance. I called the finance office at XXXX and all they could tell me was I had a balance but had no knowledge of an amount in their system. They told me to contact the listed collection agency, and when I called the collection agency repeatedly they also had no knowledge of this debt nor my information in their system. No one could tell me anything. Weeks later the collection agency called and just gave me a balance with no explanation and a week after that it appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have credit card with XXXX XXXX all ready so some one else use my identity applying for credit card to XXXX XXXX about 3 or 4 times so i all ready have credit card with them ther is no reson to applying again and again so the report i find out on my credit report is not mine this report i find out on EQUIFAX CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I had a XXXX mortgage with XXXX XXXX XXXX, in XX/XX/XXXX I fell behind due to the mortgage crisis and me being a lender myself. I also had a XXXX mortgage I fell behind on. Green Tree Mortgage bought my XXXX mortgage from the XXXX lender, the note amount was for XXXX, Green Tree offered me a buyout settlement for XXXX, I was told by my lawyer not to accept it. Green Tree then bought my XXXX mortgage from XXXX XXXX XXXX, time after timer after time I would speak to Green Tree about a modification and then would send out a packet. I would then ask them what the XXXX mortgage payment would be in addition to the XXXX mortgage. Every single time and it just happened today the Green Tree rep would say " YOU DONT HAVE A XXXX MTG '', this is not true I do have a XXXX mortgage. This has gone on for years and years, they can not nor will they provide any info on my XXXX mtg. I was called XXXX time and the rep said " It was forgiven '' I was then called a few months later and the girl insulted and laughed at me when I said someone told me it was forgiven. I am a single father of XXXX and this has been so emotionally draining on me. I want information on what my XXXX mtg payment would be if we did a modification they they never ever give me that info. I even went to mediation with a judge and the lawyers for Green Tree in XX/XX/XXXX and the judge asked the lawyer about a XXXX mtg. The lawyer said he was not aware of XXXX. The judge had the lawyer call Green Tree on the phone and ask about a XXXX mtg. He was on hold in front of the judge for XXXX minutes. Someone from Green Tree finally confirmed there was a XXXX mortgage. The judge then asked if Green Tree would guarantee not to foreclose on the XXXX mtg if I agree to the first mortgage modification, Green Tree responded " No they could not guarantee that ''. The judge then told me not to accept the modification offer since they could come a month later and foreclose on the XXXX mtg. I have tried over and over to get information and Green Tree refused to provide anything. It is a Federal law that they have to provide a borrower information within 30 days of a request on an account, they have violated this law over and over. I have been harassed, spoken down to insulted for years by Green Tree I want an answer about my XXXX mtg. Please HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Student loan (Non-federal student loan) with NORTHLAND GROUP INC (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Receiving collection notice from The Northland Group via XXXX XXXX XXXX Bank. I have received letters on dated XXXX XXXX, 2015 to my cosigner and XXXX letters dated XXXX XXXX & XXXX to myself and my cosigner stating that XXXX XXXX XXXX bank has provided our information for collection activity. My loan through XXXX began being serviced by XXXX XXXX XXXX XXXX XXXX ) in XXXX. Regarding whatever the payment is, A representative from XXXX never attempted to contact myself or my cosigner. I also contacted The Northland Group via a contact form on their website stating the issue and that my loan 's payments have been sent and received by XXXX. I have not gotten a response other that the XXXX letters recieved today XXXX XXXX, 2015 that I mentioned earlier. XXXX notified me In XXXX 2015 of this change. All supporting documents will be attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: I financed a XXXX XXXX thru regional acceptance in XXXX XXXX I put {$4500.00} and have paid my notes on time every month except the lst 2 because I am trying to get out of this contract and with someone else. I owe more now than I financed. I got 2 deferrments because my mom had an XXXX and I took off work to care for her until she passed away and they charged me almost as much as the note to defer it, not to my knowledge. I have tried to refinance it or trade it in but I owe {$10000.00} more than it is worth and the other companies den me because regional acceptance says I have poor payment history which is not true. I have been trying to rebuild my credit with this loan, but my debt ratio is going up even though I am paying the note. I have chevked into a couple of class action lawsuits against this company but I am at a loss.

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 10-03-2017 about Debt collection (Other debt) with Rent Recovery Solutions (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from rent recovery solutions, XXXX stating that I owe the {$300.00}. I requested debt validation from them and they are sent documentation for an apartment that I never lived in. I then sent another letter for the debt validation and received a letter with charges on it. 

I did sign a lease for the address listed, but the apartment was infested with roaches and I moved out before a week and there was no damage to the apartment. Now that they can not validate the debt they are modifying what they are sending. 

This is not debt validation and they have not and will not provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Student loan (Non-federal student loan) with ACCESS GROUP INC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have had extreme difficulties paying back my private student loans. Access Group will send emails to me saying to call they can help and options, when in fact they have no options. Access Group put XXXX of loans in default, even though there was no technical default ( meaning the accounts were not XXXX past due ). Most recently, I was 177 days past due. I went to make a payment so as not to default, but Access Group and " suspended activity '' on the account, making it appear that it was impossible for me to make a payment. They did it on a Friday, so that if I had tried to pay over the weekend, my accounts would, in fact, have gone into default. I was finally able to make a payment, I consider these unfair practices and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (CO).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Quicken Loans on multiple occasions mislead me about total closing costs. On XX/XX/XXXX i was contacted by a rep insisting my closing costs would be {$2600.00}, but would only send me paperwork listing it at over {$4000.00}. Without any explanation as to where the {$1400.00} disappeared to.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my home. I contacted the original mortgage company for disbursement of my escrow funds. I was told that they do not disburse the funds until eleven business days after the closing. I was told that this is consistent with federal guidelines. I paid a title company to handle all relevant issues regarding this transaction. I believe that this is an illegal taking and a provision of some federal regulation that apparently allows this company to keep my funds for an inordinate amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Mortgage (FHA mortgage) with BB&T CORPORATION (MO).
Issue: Trouble during payment process

Complaint: BB & T did not remove my Private Mortgage Insurance ( PMI ) from my mortgage payment whenever my loan was paid down to below 78 %. I called them and spoke to two employees. XXXX ( employee ID XXXX ) and XXXX XXXX ( manager ). Both of them falsely told me that I had to write in to have the PMI cancelled. It's my understandign the the Homeowners Protection Act states that PMI will be automatically removed from a mortgage when the balace is under 78 % of the original appraisal value.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (I do not know) with Van Ru Credit Corporation (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: 1 ) On XXXX XXXX, 2017 at approximately XXXX XXXX I was contacted by an individual who fail to identify himself, who I later learned was calling on behalf of Defendant, Van Ru Credit Corporation, the individual also failed to identify the subject of the call, and asked to speak to my infant child. I informed this individual that she was a minor. 
2 ) The individual who called then hung up on me. 
3 ) My wife called the phone number from which the distressing hang-up call was made and asked for more information. 
4 ) At that time the representative acknowledged that they had failed to provide the FDCPA required language and failed to do due diligence to determine the validity of the debt. 
5 ) My wife then requested documentation of the debt and was informed that as guardian of the minor  child I was not entitled to documentation of the debt. 
6 ) That Van Ru, through their agent, XXXX XXXX acknowledged that call should never have been made. Van Ru proceeded, through their representative, to admit to an FDCPA violation. 
7 ) They asserted that they knew that my baby was a minor when the phone call was placed, but Defendant placed the phone call anyway. They asserted that this occurred because the paperwork on the alleged debt did not indicate a financially responsible person. 
8 ) That at the end of the telephone conversation I still did not know what debt Van Ru is attempting to collect, and Van Ru indicated that pre-judgement interest will accrue until the alleged debt is paid.

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 11/14/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Closing on a mortgage

Complaint: XX/XX/XXXX: Title search was performed on subject property address under agreement to be sold. Closing was tentative foXX/XX/XXXX Title search conducted by XXXX XXXX XXXX XXXX Title Examinations. Title report showed issue with title. An improper discharge filed in Book XXXX, Page XXXX ; release should have been signed/issued by XXXX XXXX, as assigned in Book XXXX, Page XXXX.XX/XX/XXXX: Seller 's attorney contacted Ocwen/XXXX XXXX. No update provided.
XX/XX/XXXX : Still no update provided by Ocwen on discharge. Resulted in extension for time performance and further delay of closing dateXX/XX/XXXX : Ocwen prepared discharge of mortgage requested ; however, it was improperly prepared and still inadequate to clear title issue. Title examiner requested proper change.XX/XX/XXXX : Ocwen contact stated discharge would be recorded to Registry of Deeds. Never recorded.XX/XX/XXXX : Still no update or filing from Ocwen. Closing has been delayed nearly one month.
Delay is causing hardship on buyer.

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