milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/27/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was sold to GreenTree from XXXX in XXXX, 2013 and from XXXX, 2013 we have had nothing but problems. First they started calling XXXX times daily. When we would return the call and was transferred through several people they talked to both my husband and I like we were ignorant. When our payments are made they are often held. I have something showing on my statement " unapplied funds '' and " Corporate Advance Balance '' and when I inquired about this I was told it was a government charge. We attempted to get a Hamp or Harp modification and was denied for both of those ; however they did modify our mortgage AT THE SAME INTEREST RATE AND EXTENDED FOR 40 YEARS. At this rate we will never get the mortgage paid off. I have misc. charges like Appraisal-inspection fee that I know nothing about. I have also included a breakdown of my payment history and as you will see there are several speedpay charges. If fact even though it shows some paid in cash I have NEVER sent them cash. We were told the only option we had to pay WAS speedpay. I have been in the mortgage/banking division for almost 20 years and I can not make sense of how they are applying any of my payments. I also would like an exact explanation as to why we were denied the HARP modification. My monthly payment including escrows should be {$800.00} but I have never received a statement showing that account. We I call to question anything I can not get a straight answer, am constantly transferred to another person only to be told that I have no idea what I am talking about. I understood the whole modification process was to help struggling homeowners, not treat them like trash. I have reached out all over social media and have not found XXXX person they have modified who is not have issues with them. I would like to make a payment and have it show amount applied to principal, interest and escrow and not all of these other " '' accounts '' they are putting my money in to.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (RI).
Issue: Loan servicing, payments, escrow account

Complaint: Received home loan statement/bill ( due XXXX ) - {$330.00} higher than expected. Called mortgage company ( Roundpoint/Embrace Home Loans ) : advised that {$4000.00} was removed from escrow acct ( now in the red ) for " supplemental tax '' and that my monthly payment will be {$330.00} higher until paid back. Mortgage company unable to tell me ( with proof ) what this tax is for. Have received XXXX different answers : Call # 1 : Due in advance for impending prop tax raise for XXXX XXXX # 2 : Tax owed to town for road work Call # 3 : Back-taxes owed on my home at purchase that " sellers refused to pay '' **Called town tax office after each call above - they confirmed ALL of the above info to be NOT VALID OR ACCURATE in any way. ** Call # 4 ( supervisor ) : Agreed with call # XXXX that it is back-taxes owed ( she appeared to be purely speculating however ) I have sent them a copy of the XXXX form proving nothing was owed on my home at time of purchase and all taxes were paid up-to-date. 
Mortgage company UNABLE to explain and prove what the " supplemental tax '' was for and why {$4000.00} was removed from my escrow account and where it went. 
Opened dispute with their tax dept on XXXX at time of providing the XXXX form. 
Have received no response.

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 12/15/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I would like to write a follow up complaint regarding the investigative results I recently received from Equifax regarding an illegal item which appears in the section marker PUBLIC RECORDS on my credit report. 
My lender has just refused me a mortgage refinance re-structuring on the grounds that this item is present on my credit file with Equifax ( only ) making me a " high risk '' consumer. 
I have literally lost the ability to save nearly 2 % on my mortgage loan because of this falsely reported item which Equifax refuses to remove from my file. -Case # XXXX was incorrectly placed against me before I had counter sued and won the plaintiffs in XXXX XXXX superior court. 
This case is not supposed to be updated to show " satisfied/released '' because it was never paid or ever owed and the Judge ruled the case in my favor throwing out this judgment against me pending my counter suit, which settled in 2012. There are currently NOT supposed to be any public records items on file under my name or social security number and Equifax is in violation of FCRA law by reporting this misinformation in my records. I have no such items listed under any other credit reporting bureau and this is a mistake on Equifax 's behalf. I demand that it be removed immediately, I am currently in the process of shopping for my mortgage to be restructured so that my family does not lose our home and they are severely hindering my ability to acquire any and all rates being offered to me through my bank. 

I strongly disagree with Equifax 's decision and reinvestigation methods. I received no new information, no proof of this item and no release/satisfied notices. Where did they come to this concision? How? Let us see the proof? now! 
Equifax HAD NO RIGHT TO UPDATE or CHANGE THIS TO ITEM REFLECT EVEN MORE INACCURACIES! This item was never paid, never released because it was EXPUNGED and thrown out of court pending a counter suit with the original creditor. I do not and have never owed this amount NOR is your system up to date if you were able to see this old item. The XXXX XXXX superior court has issued me an expunging of this case and I was free and removed from this lawsuit. It MUST be removed from my records immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was contacted by I.Q. Data International by telephone on XXXX XXXX, 2017 and informed they were pursuing collection for an amount due an apartment complex in XXXX, XXXX. I informed them that I did not live in XXXX and that the debt was not mine. Upon receipt of the initial letter from I.Q. Data, I provided them on XXXX XXXX, 2017, via certified letter with return receipt, multiple documents to include voter registration card, auto registration, auto insurance, utility bills, mobile phone bills, cable bills, IRS letter, letter from current landlord showing my lease start date and lease end date as well as a statement from the company responsible for moving me from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I have asked the creditor for a signed copy of the lease with the apartment complex in XXXX as well as any tenant information but as of this date, they refuse to provide me with that documentation. They have provided me with a statement with my name and an address is XXXX, XXXX but as I have previously stated, I have not lived in XXXX. On XXXX XXXX, 2017, again via letter sent by certified mail, return receipt, requested a copy of any leases, tenant applications but to date, creditor has ignored my request. On XXXX XXXX, 2017, I received notification from XXXX, XXXX and XXXX, that I.Q. Data International has placed the item on my credit reports. I have been attempting to work with them to resolve this but my attempts have been ignored. I feel that my rights under the Consumer Credit Protection Act have been violated and I am asking for your assistance in order to protect them. I have since filed disputes with all 3 credit bureaus in an attempt to get this removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Student loan (Non-federal student loan) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I was contacted by American Education Services. They say I cosigned a loan but they cant give me information because my birthdate doesnt match their records and i would need to send proof of my birthdate. How does a cosigner get approved with an incorrect birthdate. I have never been contacted till now. The applicant said she has received no statements in over a year at the time {$700.00} was paid and the statement said XXXX balance. Now they want to put me as cosigner on the hook for $ XXXX they claimed is owed after sending the applicant a statement with zero balance. 
If there was a $ XXXX balance why wasnt I or the applicant contacted for payment. They asked me to send a copy of official proof of my birthdate before they will release information to me as cosigner. When the credit check was run for cosigner that should have been a red flag that the birthdates didnt match and denied.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. ().
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I hold a home loan from XXXX A/C No -- XXXX. My credit report shows non-payment in the month ofXX/XX/XXXX &XX/XX/XXXX. But my EMI of XXXX was debited in each of these month on the last working day of the month. This is hampering my credit sscore badly.

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 02-06-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XXXX of XXXX, while I was in a deferment/forbearance period ( not currently paying on ) my XXXX student loans they sold them to VSAC Loan Services. I was not made aware of the transfer in ANY way. I figured I was still in my 2 year deferment period that XXXX offered.When the time was up I tried to contact XXXX with no luck, all they said was that my loan no longer existed. I searched everywhere online I could think of for my loan. In XXXX of XXXX it finally showed up on my credit report as being derogatory for this random place VSAC. I tried to contact them several times and they could n't locate my information, even though they reported me as delinquent. My loan was in limbo. Finally I got ahold of an amazing lady at the XXXX XXXX XXXX XXXX who helped me refurbish my loan and got me back on track. It was sold again by VSAC during this refurbishment to XXXX who I 've made every payment on time since this nightmare with VSAC. In conclusion, VSAC needs to take the derogatory report of those 7 months in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This was paid off long ago. I paid it over the phone and did not receive any confirmation. It is still showing on my credit as being owed and I still get phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have tried to contact these companies several times without success since XXXX they just switch information to another company and do not really care what you send them. Even a police report or an affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (I do not know) with The CMI Group, Inc. (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX says I owe them {$140.00} as of the status date of XXXX. I have NO idea about this debt whatsoever, and moreover, I dispute it. When I tried to contact the company, I was told they could n't find my information. 

Also, XXXX XXXX XXXX says I owe them {$490.00}, as of the status date of XXXX. I have once again, received NO information regarding this debt, and have not been able to have anyone contact me on the phone when I tried to call this company twice. They told me someone would return my call. No one has.

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 03/28/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: We received a chapter XXXX bankruptcy charge off in XXXX. Bank of America ( BOA ) stopped reporting our payments to the credit bureaus in XXXX. In XXXX, BOA stated that the changed the way mortgages are reported to credit bureaus. This is based on a ruling that did not exist in 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 08/24/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problems caused by my funds being low

Complaint: I have been charged over {$1400.00} by bank of America in less than XXXX months for overdraft fees. All the overdraft fees are directly related to XXXX, which they have classified on my account as a " recurring '' purchase, which is why it has been paying it out. The over drafts are all less than {$5.00}, and I have requested Bank of America to return XXXX to a normal status on my account, and not the recurring characteristic that they have changed the designation to, in order to prevent the fees from being payed out. The account is a bank account set up to allow a younger sibling to take a specific amount of XXXX 's each month instead of the bus, and when he reached his dollar threshold previously, it would force him to take the bus. Now, the account overdrafts and charges me massive amounts of fees, defeating the entire purpose and set up. This is absolutely outrageous to have been charged {$1400.00} in overdraft fees in less than XXXX months for a designation BOA decided to change with no notice to me, and now will not change back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/21/2016 about Bank account or service (Other bank product/service) with BANKUNITED, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: I keep getting calls from blocked/restricted numbers for which I send to voicemail. They leave a message saying call BankUnited at XXXX. They leave no name, no department, and no information what it is regarding. When I call the number, they immediately want my name, social security number, loan number, date of birth, property address. This is an extremely wreck less practice in 2016. There is no way to verify that this number belongs to BankUnited. The number does not appear on any website. There is no way to verify is this is a scam, yet they want my personal information. I instructed them not to call me anymore for which I continue to receive phone calls. I did verify by calling the main number that it was their Modifications department but they refuse to give me any information. It 's very irresponsible for BankUnited to be conducting business this way on the phone and soliciting people personal information for verification when there is no way for the person calling in to verify that it is legitimately BankUnited.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (MO).
Issue: Loan modification,collection,foreclosure

Complaint: Adding additional details to a previous wrongful foreclosure case that did not allow the entire due process to occur, documents had not been transmitted in time, nor allowed to be transmitted in time, not only due to a technical error on the lenders end ( my sending it to them caused an error on the fax page ), possibly an error with the number or the line ... but also when awaiting further details from the EHLP Program and Social Security regarding benefits to help with structuring the forbearance and other payment arrangements, the lender proceeded to bypass those options and went immediately into foreclosure proceedings. 

Further attempts to inquire further at various locations, primarily at the University XXXX - XXXX XXXX branch, were halted and misdirected continuously and no solution was rendered. 

U.S. v. XXXX XXXX, XXXX, XXXX XXXX shows some of the fraudulent activity the bank was engaged in, especially when dealing with mortgage backed securities fraud. 

Documents regarding the XXXX case can be compiled to the misuse of funds the bank handled, while not only receiving HUD certified PMI funds, but also reclaimed the property and resold it. 

The eviction process aided in emotional damages to ailments, that eventually received their indication upon evaluation and post eviction Social Security determinations, however due to the process being such one that was slow and ongoing, did not meet the lenders requirements for immediate help and ultimately occurred after they kicked my family and I out and were left for homelessness. 

Judge XXXX XXXX made remarks regarding the wrongful foreclosure on his, " Fully Favored '' decision on the Social Security determination letter. Upon going to further therapy, XXXX was present during the wrongful foreclosure eviction, but also while engaging with employees when attempting to get clear communication and negotiations handled with US Bank representatives throughout the hardships mentioned. The diagnoses was in the process of being documented, yet was still present even before purchasing the house, due to ongoing and varying XXXX factors that did not makeup the reason for purchasing the house, but did require a safe place of shelter that allowed for recovery, which the bank upon completion of their processes, did not take into account, even when efforts to provide financial backing to recovery the property were undertaken.

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 ENCORE CAPITAL GROUP INC. (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was surprised by owing a large debt for electricity in a rental I believed I was not supposed to pay for. It went into collection, I realized I am actually responsible for the debt, and started dealing with my electric company regarding it. The power company informed me I can pay them directly, and bypass the debt agency. 

The number they are contacting is my work number. I have no idea how they got my work number, but they call it almost every day. I told them to stop calling it. They also send bills to my work address. I have a personal phone, and home address where my electric service was at, so it is odd they continue to call my work phone. 

I have asked them to stop, but it seems to do nothing. 
XXXX are only the calls I have recorded the dates/times ... there have been more. 
They call from the number : ( XXXX ) XXXX CALLS : XXXX/XXXX/XXXX at XXXX CST XXXX/XXXX/XXXX at XXXX CST XXXX/XXXX/XXXX at XXXX CST

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I disputed the Bankruptcy an it came back verified by XXXX XXXX, I called XXXX XXXX and they stated the bankruptcy info was verified by the courts. I wrote a letter to the courts and and email to XXXX asked how do they verify with the credit reporting agencies and the court replied with a letter that they dnt verify with no credit reporting agency and pacer replied by email they dnt either. I wrote a letter to XXXX XXXX and attached the letters from bankruptcy court and XXXX and the bankruptcy was removed from my files I have attached they documents confirming this, I sent this info to the credit bureau and they refused to remove the bankruptcy from my credit files. They are in violation of the FCRA

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 09/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am a physician attempting to repay my student loans. This is my third complaint regarding Navient. Most recently, I made a large payment towards my principal and was assured multiple times my monthly payments would be reduced thereafter. 

However, I have been charged the same monthly amount via automatic debit every month since that payment. 

As usual, Navient 's customer service has been useless and dishonest.

Company response to consumer: Closed with explanation