milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/16/2015 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: After having an emergency surgery over the summer I fell behind a house payment. I contacted the holder of the account ( XXXX XXXX XXXX ) and worked with the very helpful and friendly people there to get on a repayment plan to get me caught up and current on the loan by XXXX XXXX 2016. This helped tremendously, but what they did was sell my loan to Residential Credit Solutions ( RCS ). I was sent a letter stating that all payments after the XXXX of XXXX would have to be made to RCS. Now it is the XXXX and RCS is unable to locate my information and XXXX XXXX XXXX can not help me as they have already transferred my information to RCS. I was able to speak to an actual person at RCS by calling the loan application department and not through the endless loop of the customer service number. XXXX attempted to contact them with the number they supplied and said they were not able to contact a person. ( XXXX ). According to their website, a payment is late and will be sent to the credit agency 's if it is not received, the person I spoke with on the phone said, " just relax until Monday ( XXXX ) it will be fine ''. I am not feeling fine, he did not want to give me his name, did not want to transfer to the proper department and said this happens all the time. I am truly concerned that the agreement I had with XXXX is danger of not being honored and that RCS inability to locate the information that was transferred to them on XXXX ( according to XXXX ) in going to place me in a situation causing my repayment plan not to be honored and keep me from making payment on my home.

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 EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not secure my credit information, which I have no control over them having. Now I am one of the millions potentially exposed to very detailed credit fraud. And all Equifax is offering is a 1yr monitoring.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Second complaint on  Ad Astria Recovery Services.  We have not disputed that they step out of the Federal Credit Reporting Act Guidelines and reach out to speak to a person that I never worded that was my retained attorney I received my private verification from my friend that is a lawyer. The contract that did n't exhibit my true signature for a loan from  XXXX   XXXX . My private information was sent to a person that I did n't acknowledge I gave POA to or retained I did received the information. How di d Ad Astria s end a letter verifying my 30 days on the debt on   XXXX     but placed the actual debt without verification on my report on  XXXX ? Since I have filed this compliant Ad  Astria  has placed this on all  3 thr  ee  reports after violation of the Federal Reporting Act and sending information that they need verification after they placed on my credit report in  XXXX .     I will file in  XXXX   XXXX   XXXX  for fraudulent and misuse of Texas  Debt Act  and violation of my privacy by contacting and sending my personal information to another party.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Bank account or service (Checking account) with PNC Bank N.A. (TX).
Issue: Deposits and withdrawals

Complaint: PNC Bank is refusing to communicate with me or have a customer service supervisor return my phone calls in regards to their loss of my {$1000.00} wire transfer. I was told 3 days in a row that " someone would get back to me. '' Nobody has called, and my money is still missing. Nobody is investigating this. And they intend to charge insufficient fund fees when I have proof that I deposited the money into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (Federal student loan debt) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (KS).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: Collection Company : Financial Asset Management Systems Inc. 
Website : XXXX Amount : XXXX Date on Notice : XXXX/XXXX/XXXX A company by the name of Financial Asset Management Systems Inc. has sent an order of wage withholding to my employer on a debt that is past the statute of limitations in the state where I reside and the state where the debt was originally incurred. 

I am a resident of Kansas which has a 3 year limit on how long a company can attempt to use legal means to collect a debt. The last payment made on this debt was in XXXX. 

I have informed the company in writing and over the phone of this and also informed them not to call my place of employment. 

They continued to call my place of employment and today I received the notice of wage withholding.

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 05/20/2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have an equity line for {$38000.00}. Last year in XXXX 2014 I received a notice from my current lender - Wells Fargo, that this equity line was coming to term & payment in full was due XXXX 2014. The letter said that if I was unable to pay this I should contact them. I did repeatedly & tried to make payment arrangements but they kept saying that they could not accept anything but the entire balance. Since XXXX 2014 I have gotten letters listing options ( one of which is to make payment arrangements ) but when I call they tell me that payments are not an option. So why send the letter saying that?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Conventional fixed mortgage) with WASHINGTON FEDERAL, NATIONAL ASSOCIATION (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I took out a construction loan to be converted into fixed rate mortgage loan in XXXX XXXX. In XXXX XXXX, I received a letter from Washington Federal that my mortgage rate will be a fixed at 4.875 % for 30 years with a 1 % pre-payment penalty provision prior to XXXX XXXX. I sent them a letter explaining that I was offered, in open market, a 30-year-fixed-rate of 3.75 % -- and with XXXX-fees-or-costs. 
When I signed the initial papers in XX/XX/XXXX I was told that the bank would be able to match market-rates for fixed-rate-mortgage in the future. But the bank refused to match the new rate, despite their initial verbal promises. I was left with a choice of paying nearly 1 % higher rate to Washington Federal for next 30 years to save the 1 % penalty, or paying 1 % penalty and saving 1 % yearly for next XXXX years, by refinancing elsewhere. The decision had to be immediate because the rates can change rapidly. 
I had to pay 1 % penalty to Washington Federal to get a 1 % lower fixed-rate for XXXX years. This was completely unnecessary if they had followed through on their initial promise that they would match market rates for fixed rate mortgage to avoid refinancing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Debt collection (Payday loan) with EZCORP, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i recieved a call XXXX trying to collect from an EZcorp account. XXXX management is the company trying to collect. XXXX according to CFPD.gov is not allowed to collect or sell the accounts to third parties and im recieveing a call as of XX/XX/2016 demanding payment on loan. I explained im filing a complaint with CFPD.GOV against XXXX management and she stated that she will be putting me on a do not call list!!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Debt collection (Auto) with FIRSTBANK PUERTO RICO (PR).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I am currently paying for a vehicle under my father 's name. Since we are facing a little of financial hardship due to my wife not being working for medical reasons, we became delinquent on the debt but has been making payments now and then to keep the delinquency on XXXX months or less. Right now we are XXXX months behind and I am to make a payment next week when I get paid some commissions. The debt collector came on Monday and left his card. I have him on agenda to call him next week, but he came again yesterday and left a handwritten letter at my house stating that my father authorized for the vehicle to be taken away and I was to surrender the vehicle voluntarily. My wife was very upset and I suffered XXXX. I called my father and he said that he has not spoken to the debt collector since two months ago when he told him to deal with me directly. My father stated that he did not authorized for the seize of the vehicle and even offer to help me making the payment. I have been cooperative with the debt collector and maintain an open communication. I gave him my physical address and my personal phone and told him that I was to make the payments and to call me when needed that I have nothing to hide and was working hard to overcome my hardship. There is no need to use these illegal practices that violates the Fair Debt Collection Practices Act, specially when I have been very cooperative through the collection process.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I 've had a Capital credit card for about 2 years. I have always had them make automatic payments deductions from my bank account. The last payment authorized was {$XXXX} per month when their payments were just {$XXXX}. About a month ago I received a notice that I have n't made any payments to the fo
r two months. They have applied late fees charges and were demanding close

to {$XXXX} to bring my account up to date. My problem is that they did n't notify me when they did n't pull out the usual amount without reaching out to me that more money was due. They did n't pull out the {$XXXX} or even contact me to let me know that more was due until two months after the fact and that payment request was already attached with late fees. I do n't have a problem making the monthly payments, but I do n't see why I should have to pay the late fees when they were authorized to pull out the {$XXXX} and should have been contacted at that time
that they needed more of a monthly payment so that I could adjust the bank authorization again.

It was their failure to notify me about the changes prior to the due date so that I could make changes. The reason why I had automatic changes was so that I would n't have to make sure that they got paid and I had one less bill to worry about since it was supposed to be automatically taken from my account.

I have been locked out of my account and ca n't see what they are charging me. Instead they are offering me payment options, but those payment options include the late fees that they inflicted upon me. I should have been notified when it was n't a sufficient amount so that I would n't have incurred these late fee penalties. Now what they have done was alter my credit ratings because I refuse to pay for late fees when they were supposed to take the funds directly from my bank account and should have notified me from the beginning and not wait until they applied two months late fees which is now three months and I have NO access to the account to see what they are charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Wells Fargo is the original mortgage provider for the property, purchased in XX/XX/XXXX. We refinanced with Wells Fargo in XX/XX/XXXX. In XX/XX/XXXX, we contacted Wells Fargo to refinance again, to use the accumulated equity as well as make changes to the title. We were provided erroneous information by Wells Fargo lending officer in XXXX XXXX, FL area ; per this person, quit claim deed was required prior to submitting mortgage refinance application. I contacted Wells Fargo national office, was told that previous information was wrong, and began the application process. 

I submitted all requested documents very quickly and there were no delays until the appraisal was ordered. It has taken several weeks for Wells Fargo to even schedule an appraisal. Then they sent an appraiser who was completely incompetent and so appraisal could not be used. Wells Fargo scheduled another appraisal, which again took weeks to be scheduled. Two delays, both caused by Wells Fargo, caused me to miss the deadline for submitting final documents required for closing. I was told that the deadline was on Monday, XX/XX/XXXX, but XXXX XXXX, FL area was affected by Hurricane XXXX and declared federal disaster area a few days prior to the deadline. There was widespread damage and no power at the house. I had to charge the phone in my car to even make a phone call to Wells Fargo, asking for an extension. They refused to grant an extension. 

In addition to misinformation, appraisal process delay, and failure to grant an extension due to the area being declared federal emergency zone, Wells Fargo also increased the interest rate, which was locked and guaranteed. Wells Fargo decided to classify the property as investment and raise the interest rate, even though the property is owner-occupied and, therefore, classified as second-home property. 

Even after the appraisal was completed, Wells Fargo failed to comply with federal requirement that appraisal report is released to the applicant within three days. It has taken almost two months and numerous requests to finally obtain an original copy of appraisal. 

Given the violations described above, the owner decided to apply for mortgage refinance with another lender. Wells Fargo is retaliating by refusing to completely release the appraisal. After numerous phone calls and email requests, Wells Fargo finally provided a letter stating that the other lender can use the appraisal. However, Wells Fargo is refusing to provide a statement that appraisal process was in compliance with AIR standards or send the appraisal report in XML format.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call several times a day ( 3-6 ). When I answer, I hear music and I hang up. On the one occasion I spoke with someone, I asked for the address and account number so I could set up a monthly payment with my bank. They told me they could n't give me an account number until debt was paid off. I told them I refuse to give my banking information but would be more than happy to set up payments via my bank. They insisted they only accept debit or credit card information. I thanked them for their time and hung up.They continue to call several times a day. They left a message 1 time with a different number to call. I Googled the company and neither number I have for them matches the ones on their website.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My XXXX XXXX card is showing that I am 30 days past due which isn't true and this has dropped my score. I had fraud on my account and reported it within hours of discovering it. They open an investigation and is still in process. However its reflecting that I am 30 days past due. I have never missed a payment and although I was told from more than one rep to not make a payment until the issue was sorted out. I have still made two payments. The customer service team has been great through this long investigation however its costing me point towards my credit score.

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 12/31/2015 about Debt collection (Credit card) with Army and Air Force Exchange Service (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have a auto pay set up for my credit card every month for military star for three years never missed XXXX payment and as XXXX this year even with a auto pay set up, miltary star did n't take out the balance while making me late for two months. I tried to explained to them I was out of town for XXXX funerals and I did n't know my payment has went up and they only took XXXX instead of XXXX for XXXX and XXXX making me late. I have never been late for over four years. I tried talking to miltary star reps they said you should had paid and I said this is a mistake I paid for four years and have auto pay. They said that 's my fault and you should pay your bills. This is so out of bounds, i told her I was revive refinancing my home and she said this is not gon na help XXXX Never tried to help. I said I have many problems in this world from combat but this got to be the worse day in my life for miltary star to do this. The supervisor talked so mean and never tried to help in this matter. It 's more about jacking people credit than helping seeing this is a mistake. The first XXXX says a was n't late and then I kept asking her about the late payments and she did n't know her owned system. Miltary star has people who do n't know what they are doing and they jack people credit up and do n't care. When you purchase you have 30 days before you have to pay on the purchase you made they do n't. If you make a purchase before your purchase this will be added to your payment before 39 days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Using a debit or ATM card

Complaint: This feedback is in regards to Bank of America dispute resolution department. 
On XXXX XXXX, XXXX, there were XXXX charges posted to our account that we did not recognize, in the amount of {$73.00}. We immediately notified the vendor, XXXX and BOA. 
XXXX did not show the charge. BOA proceeded to follow the dispute process. After numerous phone calls, waiting on hold and broken promises, I sought the assistance of XXXX of the BOA branch managers. She assisted with contacting the dispute resolution department yesterday, XXXX/XXXX/XXXX. In speaking with a rep on a conference call, I learned, A- There was a duplicate charge of {$73.00} made by BOA which had been credited. B- There was a XXXX window that had passed, therefore BOA could not pursue any further. ( My wife had called that same day, spoke to a different rep, and was told they would " escalate and get back to us in 10 days! ) We have heard this numerous times, check your call logs, no-one ever gets back to us. We followed the directions of the bank to the letter. They did not do their due diligence in righting this wrong. They took the easy way out and sided with the vendor. 
The below were the facts ignored by the bank and XXXX ; 1- The zip code used for this transaction, XXXX, was NOT my zip code. 
2- This was an online transaction, yet NO email address was provided. 
3- The transaction was made while we slept on Tuesday XXXX XXXX @ XXXX XXXX. 
4- The game was retrieved while at my job in XXXX XXXX NJ at XXXX XXXX on the same day. 
5- The game rented was for XXXX, which I do NOT own. 
6- Rental history will show that we have NEVER rented a video game of any kind from XXXX. 
7- We have always returned rentals on a timely basis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-11-2017 about Debt collection (Credit card) with Shermeta Law Group, PLLC (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I did not receive a subpoena for this debt until 7 days prior to trial. I was unable to attend because of a conflict. My attorney contacted them numerous times prior and after court date to settle account but received no response. They then preceded in garnishing my bank account without notice. I spoke with them in XXXX of 2016 regarding a settlement at that time. When I tried to call back after a 2nd garnishment without notice they refused to honor the settlement. They have been uncooperative & gt ; I left a voice mail with the organization once again and it took them over a week to return the call., when I finally spoke with someone they were rude and belligerent.Asked to speak with a supervisor, but no one was available. No one has returned a call.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech recently raised my mortgage payment due to an error in the amount they are escrowing for my townhome insurance. They are escrowing for an annual insurance premium of {$2000.00} when the premium is actually {$100.00} ( so 20 times the correct amount ). I notified them of their error on XXXX XXXX. Since XXXX XXXX, I have called Customer Service twice and sent four written communications. Today is XXXX XXXX and still no action. My payment is due XXXX XXXX and I do n't want to pay the amount they show owing because it 's incorrect and way more than I owe them. The problem stemmed from the Escrow Dept. misreading my insurance company 's " Evidence of Insurance '' document. The document showed insurance on multiple properties, and Ditech used the TOTAL for all properties ( when calculating a higher monthly mortgage payment ) rather than using the line item amount stating the premium for the townhome property that Ditech has financed. I sent an updated document from my insurance company to Ditech ( several times now ) -- clearly showing only townhome insurance and clearly showing the annual premium of {$100.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation