milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIZENS FINANCIAL GROUP, INC. (NH).
Issue: Loan servicing, payments, escrow account

Complaint: Over a XXXX month period I made additional payments to my mortgage that were supposed to be applied to principal. 
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXon XX/XX/XXXX I was charged the interest due in XX/XX/XXXX that would have been significantly reduced by the principal payment had it been properly applied. 
on XX/XX/XXXX both payments were applied to principal. 
on XX/XX/XXXX the additional principal was applied as a XX/XX/XXXX payment and I was charged for XX/XX/XXXX 's interest again XXXX days prior to the interest even being due. 
When we discovered this issue we requested a correct to the account. CCO Mortgage has repeated changed the account always placing the XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX principal after all the interest is calculated. 
It is now XXXX and I had an approved automatic payment removed from my Checking account that was lumped in with the XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX principal in an attempt to correct the Mortgage payments. CCO is now claiming my XX/XX/XXXX payment is late even though it is clearly been paid. 

I have XXXX been overcharged for interest. 
They have XXXX attempted to fix the account but even though they are supposedly banking professionals they continually apply principal payments after they calculate interest in a clear attempt to overcharge me. 
Payment History:XX/XX/XXXX - Normal Payment ( Principal, Interest Escrow ) XX/XX/XXXX - Additional Payment of {$5000.00} applied by CCO Mortgage as the XX/XX/XXXX payment. 
XX/XX/XXXX - Normal Payment applied as XXXX - Additional {$5000.00} payment applied as XXXX - Normal XX/XX/XXXX Payment. 
XX/XX/XXXX - Additional {$5000.00} applied as the XXXX payment by CCO Mortgage. 
XX/XX/XXXX - Initial call to correct the account payments. 
XX/XX/XXXX - XX/XX/XXXX Multiple attempts by CCO to correct the payments always charging more and more interest with each attempt to correct because they continually apply the principal payments after they calculate each months interest. 
XX/XX/XXXX - Normal payment taken out of Checking account but applied as Principal. 
XX/XX/XXXX - Called CCO Mortgage with an attempt to fix the missing XX/XX/XXXX payment that was lumped in with the attempts by CCO to correct the account. 
XX/XX/XXXX - Late payment notice issued by CCO Mortgage requesting immediate payment for XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: In XXXX of 2014, I had inquired about opening a personal savings or checking account with TD Bank, as my XXXX previous business accounts were closed in conjunction with a failed business. I was told that I could open a checking account, and that I would not be charged fees if the account were opened with a minimum balance of {$100.00}, which I did. As no further transactions were conducted, there was never a reason to inquire about the account. 

When I returned to the bank 1 year later, to begin making deposits, I was told that my account was closed, my {$100.00} was gone and that I owed the bank {$45.00}, even though I had never conducted XXXX transaction. The reason was that the bank charged me {$1.00} to send me a paper statement ( which I did not ask for and would prefer email ), and then promptly charged me {$15.00} a month for being under balance until the account was depleted. 

I am not against bank fees, but to deplete an entire account where not XXXX transaction was ever made is egregious at best and predatory at worst. Bank Statements are a necessary cost to the branch to conduct business in this state. Furthermore, had I been informed at the outset, I would have opted for E-Statements which do not cost money. They claim this is offered to everyone, but this was not discussed at all with me when I opened this account, and the employee who opened the account no longer works for the company. 

I contacted the XXXX XXXX XXXX branch who told me that I had to call customer service at XXXX. Customer Service told me I had to call recovery. Recovery referred me back to the branch. The branch again said I needed to speak with customer service. I am requesting that the CFPB assist in the bank investigating the matter and remitting back into my account all fees associated with the " under balance fee '', if not the {$1.00} per month paper statement fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/23/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: Dear Bank of America, I appreciate your time greatly however the documents provided did not confirm my concerns of withdrawal of XXXX - provide XXXX XXXX wire instructions or account of deposit. 

As well as XXXX payment by check, wire, or transfer - provide copy Copy of Initial Draw Check as I did not receive - XXXX, XXXX XX/XX/2005 Response to its to late to file a dispute of concern for transfer and or payments - Is there a time frame on possible fraud? 

Response- documents signed without full disclosure from Bank of America XXXX who is the lender, who is the beneficiary - under the Deed of Trust Bank of America had an obligation to disclose and failed.

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 08-04-2017 about Debt collection (Other debt) with Key 2 Recovery, Inc. (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I had been in contact with the company regarding an outstanding debt. The account manager took it upon himself afterwards to call my relative out of state to discuss the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I have found out this firm has opened cases against me but i've yet to be served. I've previously informed them that my income is from social security and is protected. I am XXXX years old with XXXX and still recovering from a XXXX, this is becoming an undue stress for me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: We refinanced our home in XX/XX/XXXX. The mortgage broker committed fraud. Upon discovering the fraud we worked with XXXX fraud department to prove that, we were successful. Attempt after attempt was made to modify the loan. The mortgage meltdown happened and then the XXXX settlement. We had a XXXX and XXXX trust. XXXX did a trial mod on the XXXX. When we made the last payment on the trial mod, they then violated the XXXX settlement and gave servicing rights to SPS on the XXXX trust. After a year they then transferred the XXXX to SPS. There is no proper chain of title. The banks have further committed fraud and then filed for foreclosure and now are starting eviction process rather than waiting for determination on finding from CFPB on allegations. This agency is supposed to be XXXX that is here to help the consumers. I 've watched the video by XXXX XXXX, saying you are here to help. I have further documents, which I was told I have to file a new complaint rather than add to the existing complaint. That does not seem very efficient, but I 'm going to do whatever I have to make this story heard. The banks have waited for the " news '' to quiet down about the frauds and stealing people 's homes, and then they have gone back to business as usual. It 's time for someone to step up and stop them. These loans were securitized in XXXX. The notes have been lost or destroyed. The assignments were not done at the courthouse until XX/XX/XXXX, which is six years after the trust had closed. The Trust law states it must be done within 90 days of that closing date in order to be traded on XXXX XXXX. Then they claim XXXX is the keepers of the Record. XXXX as of today is still showing XXXX XXXX XXXX and inactive. They are not keeping the records concurrently which is yet another violation. These banks are just stealing people 's homes, and it must be stopped. I will say that we had diligently tried to work with XXXX and XXXX to modify these loans. By the time XXXX violated the XXXX Settlement, we knew they were not going to do the lawful thing. In going over my documents to send in, I note that they claim XXXX as the keepers of the record and Trustee, but on my loan documents it has XXXX with a specific address in Virginia, not XXXX. This whole thing has been fraud after fraud. I implore you to thoroughly investigate this case and STOP them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: An attempt was made to open an account at Bank of America in XXXX of 2016. They filed a report regarding the account. It was a fraudulent attempt to open the account. They verified this to me via a letter with a claim number: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 08/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been paying an interest only for ten years on XXXX trusts for my house at XXXX XXXX XXXX XXXX XXXX, XXXX One of the trusts, an equity account set up by the company, Wells Fargo Bank , at the time of closing on the mortgage, is now in fixed rate status. The other one, the home mortgage, is set to for going market rate in XXXX, 2015. While prior modification applications have failed, I thought Wells Fargo would give me a fixed interest rate when the current rate was due for re-setting. Instead, what Wells Fargo gave me is a 12-month variable rate which would be reassessed on the property annually. Even the rate went from 5.75 to 3.0, I think it is predatory because assuming the going rate for next year is 7.0, that is how much I am going have to pay and when I am unable to pay, I would my house after paying more than {$200000.00} in interest only arrangement. Please step in to protect one more vulnerable customer. 
The names on the Mortgage are : XXXX XXXX XXXX and XXXX XXXX XXXXThe Mortgage Account Number :XXXXThank you for your timely assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I receive a phone call from XXXX saying they are XXXX Credit, that there is a XXXX account in my name, not at my address, that has a bill for {$500.00}. They leave no voicemail, and are never able to answer when you call back. This has been going on for months. I have had my credit checked and fraud alerts on and nothing matches what they are saying is the issue. I need this to stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent multiple credit disputes to XXXX XXXX, Equifax, and XXXX regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 3 inaccurate debts on my credit that I have never heard of or signed for. 

XXXX XXXX {$990.00} XXXX- {$2100.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX- {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Debt collection (Payday loan debt) with ACE CASH EXPRESS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was told to submit a claim form last year which I did on XX/XX/XXXX. I waited and after several months I received a check on XX/XX/XXXX. Their letters claimed I would be receiving around {$210.00} when I finally received the check it was for {$170.00}. Where is the {$33.00}? I need assistance because I have a feeling I 'm going to get the run around with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Loan servicing, payments, escrow account

Complaint: For the past XXXX months I have received notices that my mortgage payment was past due. I 've been paying my mortgage on time, through my financial institution, for XXXX+ years. For the past XXXX months my mortgage payment has been applied to a credit card that I also have with this company. This is odd since I have n't used this credit card in more than a year and it has had a XXXX balance during this time. I have sent them proof from my banking institution showing the funds were sent on time each month showing my loan number, yet I continue to get calls from collections. I have spent HOURS on the phone with the mortgage company, spoken to multiple people, put on hold for excessive amounts of time, been transferred to incorrect departments, been told that my banking institution was responsible for the error, and disconnected more than once. I 'm sure you realize that each time I call, the story has to be explained to a new representative ( who usually asks multiple questions ). XXXX months ago, while on the phone with the lending company, and learning that my XXXX mortgage payment had been applied to my credit card account XXXX the one with no balance ), I requested they close the credit card account so that I would only have one account with them XXXX my home loan ). I was transferred to the credit card department and the account was closed. Unfortunately, my next XXXX mortgage payments were applied to this CLOSED account. After another round of phone calls, I was told that yes, indeed, the credit card account had previously been closed at my request. So, how can my mortgage payment continue to be applied to a closed credit card account??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2016 about Credit reporting () with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: . In XXXX XXXX I inquired about this account concerning an error on my bill. XXXX XXXX Bank would not talk about the details of the matter at hand or the account 's history. I followed up with a letter dated XXXX XXXX, XXXX. This was in reply to the XXXX XXXX, XXXX letter sent to me. At this point in time had ten cycles of six months minimum payments made to request the APR to be removed from this status so I can pay off this debt. I was never over 60 day past due. Please look at XXXX action taken by XXXX, the Experian Credit Reports dated XXXX XXXX and XXXX XXXX, XXXX for the XXXX and compare it to the Experian Credit Reports dated XXXX XXXX, XXXX and XXXX XXXX, XXXX for the XXXX period. They are different. The later reports ( XXXX and XXXX ) were used by them to justify the action. My case never went into debt collection. I was receiving updated credit cards during the years, and I had purchasing rights see XXXX XXXX billing statement. Please evaluate my case in regards to the Credit Card ACT and FEDERAL RESERVE SYSTEM 12 CFR Part 226 [ Regulation Z ; Docket No. R-1370 ] See 226.9 ( h ) ( 2 ) ( i ), ( h ) ( 3 ) ( ii ) .Truth in Lending Law. 

I am highly concern about XXXX XXXX future reporting on this credit line item because it is an open-line capital account : line of credit with no collateral. This account is based on solely on my good credit history and my credit rating. This action questions my inability to pay to other creditors and not the dispute between us over the high APR rate 27.240 % for accounts in defaulted on contract. I am fighting to change the APR rate, pay the debt, protect my good credit history, and my future financial creditability. I have learned from the XXXX ( letter dated XXXX/XXXX/XXXX ) that XXXX blocked my ability to get loans possibly indefinitely.

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 10/25/2016 about Bank account or service (Other bank product/service) with ASSOCIATED BANK, NATIONAL ASSOCIATION (WI).
Issue: Using a debit or ATM card

Complaint: I used my DEBIT card on line as a CREDIT to my account. I purchased what was supposed to be ongoing services with the site but the site has locked me out of my account. I disputed many of the charges I made, some outside of normal time limits but many within the time limits. The response from my bank was simply that because I authorized it they could not do anything for me. They would NOT DO ANY of the disputes. I had tried several time to reason with them but they told me they could not afford to lose the money. I thought that since I did not use a pin number it was handled just like a credit card and had some protection. Now they do not even respond to me. They have been provided with my documentation

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/20/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Please be advised this was my SECOND WRITTEN REQUEST to Equifax. The unverified items listed below remain on my credit report in violation of Federal Law. Equifax are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of Equifax first investigation, Equifax stated in writing that they " verified '' that these items are being " reported correctly ''? Who verified these accounts? 
Equifax have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA - Equifax are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear, I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Dear Consumer Financial Protection Bureau, Amid 6 months of contacting XXXX and XXXX regarding my American Education Services ( AES ) Federal Student Loan, I write, because since XXXX 2015 there has been a persistent error regarding the balance of XXXX my AES student loans. Specifically, the balance for XXXX of my AES student loans jumped 56 % ( {$17000.00} ) in one month and has been negatively impacting my credit and ability to secure employment for several years. And despite provided detailed evidence and documentation via emails and in writing to the above noted organizations no one has responded to correct this matter. I am requesting that this error be corrected in my XXXX credit reports and in AES records as soon as possible. Above all else, imperishable thanks for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Payday loan, title loan, or personal loan (Payday loan) with Worldwide Processing Group, LLC (NV).
Issue: Loan payment wasn't credited to your account

Complaint: I originally submitted a complaint on XX/XX/XXXX  in which I which never received a response from the complaint. The case # is  XXXX  and  XXXX .
On  XX/XX/XXXX  I contacted CFPB and I spoke to a representative about this issue and she indicated this case was sent to the Federal Trade Commission and I needed to contact them. I called them and they stated to call back to CFPB as they needed to handle this issue. I called CFPB again and they advise to send the complaint again as this was a misunderstanding.This is about a payday loan I took back in  XX/XX/XXXX in which I pay cash and the company close down and now FMR-Forward Movement Recovery  XX/XX/XXXX   XX/XX/XXXX New York  XX/XX/XXXX phone  XX/XX/XXXX  is continuing calling me being rude and even indicating hey new about my son which I did not know what they meant. Also, they keep calling my sister in Florida as it was the contact person I put on the application when I apply for the loan. I and my sister are having issues because she wants those people to stop calling her.I am  XX/XX/XXXX  years old and I need your help to solve this problem. Unfortunately, the store I took the loan with was closed years ago and it was a pawn shop and I do n't remember the name. I do n't think the people who are calling me know the name either. I hope this time you can respond to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/2015 was original date of debt with att {$54.00}. Bill was payed shortly after becoming aware of it and has been removed from all other sources and collections. Was removed from both XXXX and XXXX  but showed back up on XXXX and is incorrect. Bill was payed.

Company response to consumer: Closed with non-monetary relief