milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/25/2015 about Mortgage (Other mortgage) with Fay Servicing, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern, I am submitting this dispute due to the fact that I had submitted a dispute pertaining to an outstanding " corporate balance '' Fay Servicing was indicating of {$21000.00}. Fay responded to have removed {$9600.00} however Fay servicing is now indicating the outstanding balance is {$11000.00} in an escrow shortage. A couple of years back I had specifically recalled Fay deciding to pay my property taxes and insurance, they had begun impounding them. I was accessed the shortfall over a period of about 2.5years to cover the payment they had made to the property taxes and insurance the first year they began impounding. They collected the approximate {$12000.00} plus the monthly impound payment over a 2.5years period because it was a substantial balance that I could not pay up front. I would have appreciated they dug in further to review that I had in fact paid that impound shortfall. I need Fay Servicing to do a thorough analysis of my impound payments as they are not doing so. 
How do these servicing company 's get away with imposing " corporate '' fees without doing their due diligence. It is such a shame there are borrowers that do n't question these predators, that are out to ensure the best interest of the note holder not the consumer. 
I was recently re-accessed in my impound account once again because Fay did not properly collect enough the year prior yet they sent me a check of {$700.00} that very same year, to note there were no increases to either my property taxes or insurance. Fay Servicing 's impound department does not seem to be very organized. Is there any regulations or audits that can be done on the servicer 's impound departments to avoid these types of aggravations? These huge errors pose a major financial burden/problem to consumers. 
I am in the process of refinancing my mortgage to relinquish further relationship with Fay Servicing. I would appreciate an investigation be made, this experience has been a nightmare to deal with. I will go through my record 's to pull out all the detailed information pertaining my impound assessments. 
I look to have this matter resolved immediately, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Mortgage (Conventional fixed mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Application, originator, mortgage broker

Complaint: I have a PMI on my fixed Santander Mortgage. I asked Santander to please send me the parameters for PMI removal. I have enclosed that letter ( PMIRemovalLetter ). Also copies of the appraisal ( Co-opAppraisal ) and the PMI removal request letter ( PMILetter ) all of which satisfied the PMI removal criteria as stated in the Santander PMI removal letter. In addition I am enclosing their denial letter ( PMIRemovalLetter ) and the page of Santander approved appraiser list showing the company that issued the appraisal. 
They gave XXXX reasons for the denial : none of these issues were points in the original letter and also do not affect the appraisal value. I understand the clerical error stated in point XXXX and I will address that issue if necessary. But, the only difference in a new appraisal by the same exact appraiser that I can see is to generate a fee for Santander. 
I have fulfilled the conditions as requested by Santander Bank, N.A. and I am asking that they honor their written word and terminate the PMI if not from the original date of receipt ( XXXX/XXXX/16 ), then as soon as possible. 
Thank you in advance for your kind assistance in this matter. Please let me know if I can offer any further clarification and/or information to facilitate this process.

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 06/27/2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Billing disputes

Complaint: Chase Visa Charging Loyal Customer {$7600.00} for Chase 's Error On or about 2015 XXXX XXXX Chase Visa accepted and paid unauthorized charges totalling over {$7600.00} from a fraudulent vendor AFTER we reported the issue to Chase and cautioned Chase to NOT pay the vendor in question on 2015 XXXX XXXX. As responsible cardholders we made every reasonable attempt to warn Chase that the vendor in question ( XXXX XXXX XXXX ) was a company acting in bad faith, and that XXXX XXXX XXXX attempting to charge our Chase Visa card with unauthorized transactions. Nevertheless, Chase paid the vendor against our instructions and warnings, and is now insisting that we should pay Chase for its {$7600.00} avoidable error. The vendor in question is no longer in business. Countless hours and correspondence with Chase over the past 14 months have failed to produce any resolution. Chase continues to insist that we should pay for its mistake - even though there is a clear record that we cautioned Chase immediately against this error. Acting in good faith, we have continued to make minimum payments on the card balance, even though this balance is not legitimate, as we have continued to seek an acceptable resolution. As a result, our losses due to this egregious error on the part of Chase Visa now exceed {$9000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PENTAGON FEDERAL CREDIT UNION (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have fraud alerts on my credit reports and someone is trying to open up accounts on my credit that is not myself and whenever the credit grantor attempts to contact me as instructed on my reports the accounts are not allowed to be opened because I had no knowledge of the attempts. However these inquiries are still allowed on my credit reporting. Please remove them. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and Pentagon F C U

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 07/21/2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement.

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 03/29/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have numerous times called and called to this company to remove all inquiries from my account that do not belong to me. they have constantly refused to do so and having all of these inaccurate inquiries on my account is hindering me from getting anything worth having. I literally have XXXX credit inquiries on my report and I 've called and called and called and no one is listening and helping me when i 'm telling them that the information is inaccurate and does n't belong to me. their inconsiderate and reporting inaccurately and i need it to stop, i need results and i need something to happen. i do not have time to go through the stage of pursuing a law suit but that will be my next step if these arent removed immediately. 
the only XXXX i should have on my credit report are : XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Deposits and withdrawals

Complaint: I went into Bank of America to make a deposit to pay on a bill. the deposit was for {$75.00}. Once I looked at the receipt, i noticed the last XXXX of the account number the teller deposited my money to did not match my bank account number. Apparently, she deposited the money to another account. I stated that I wanted the money in my checking account so I could pay a bill. This is obviously the teller 's mistake. She stated she could not change the deposit although she apologized. 

Of course I asked to speak to the manager, he said he would investigate. Investigate? Investigate that my money is not where I specifically told them to put it? 

Then I am told that the money was deposited to a CLOSED credit card BOA claimed that I opened in 2006. I have never had a BOA credit card, I applied but I was not approved. I asked for the credit card info- account number etc. I am told that since the account is closed, I can not get that information. 

1. I stated the money to be deposited to my checking account and it was not - BOA 's error2. The money was deposited to a credit card I do not own- I checked my credit which I subsequently pulled my credit report and I have never had a BOA credit card. 
3. So where is my money?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Checking or savings account (Checking account) with U.S. BANCORP (AZ).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: My name is XXXX XXXX, I live in XXXX, AZ and I have XXXX XXXX. 
I was awarded Social Security in XXXX and backpay of check dated XXXX XXXX for {XXXX, XXXX which was mailed to a wrong address and then was cashed by a thief that had no access or authority to cash my check. I filed a police report, called US Bank Fraud line and they refused to help me since the person that stole my check which is in my name only, opened a bank account with US Bank with me as a NON Signor and her as only access. She would have to open an account with my name since its the only name on it. I filed a report with XXXX XXXX office and they contacted Social Security which directed me right back to US Bank since they cashed the check without proper approval. She never should of been able to cash a XXXX, XXXX check that is NOT in her name. 
I am going to the media, online, every platform I can until my money is rightfully returned to me. I am the and I am treated as the accuser. This is downright ILLEGAL and UNJUST. Someone will help me one way or another. XXXX XXXX is the theif that stole and cashed my check. I filed a police report against her.

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 01-12-2018 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: American Express called my mom about my account being delinquent. She told than I do not live there and tried to give them my phone number. They would not take it. They then tried to bully her into making a payment. She told them no and since they would not take my phone number she said she would call me and relay the message. Then she got a letter in the mail saying they took money out of her checking account. Her checking account information has never been associated with my credit card. This is totally my credit card I got an additional card with her name it for her to use as a supplemental card in case I needed her to. She has never used her card. They used her information that I gave them and looked to see if she had a card of her own which she does. She has had her own card for over 20 years. They then got her checking account information and took the money without her consent. They stole her money. They said they put the money back in my checking account and when I asked them why they would do that then they came back and said they aint a check out to my mom already and that she should get it by the XXXX of this month. She kept saying do t worry. Well it is too late for that. My mom has had to borrow mo eu so she could pay her bills. They said they wanted {$160.00} paid on the XXXX of XXXX I paid {$170.00} and they still took that much out of her account and then they stole another {$1400.00}. That is not not right!

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/20/2017 about Debt collection (Medical debt) with Harris & Harris, Ltd. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I made arrangements with the original creditor to make monthly payments. A few months in, the creditor 's payment website was n't working, and I ended up mailing a check. As a result, the payment was a little late, and the account was sent to a third party collector. I made arrangements for payments to the third party collector. During that call, I was advised not to make any more payments to the original creditor, as they would not count towards this debt. I made no more payments to the original creditor, however, a couple weeks later the original creditor drafted an electronic payment from my checking account. When I contacted them to see what happened, the original creditor told me they could not give me any information about that payment, but that I owed the debt to the collector, and the unexpected payment would not count towards the debt. I sent a debt validation request letter to both the original creditor and the third party collector, and requested a written response. I have not received a written response, only a voice mail message from the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hunter Warfield has been notified approximately ( 5 ) times since XX/XX/XXXX that a debt that they are reporting against my name and social security number are fraudulent. I have had to dispute this with them now ( 5 ) times and have also completed a fraud affidavit that they sent me to complete, but they continue to reinsert the same fraudulent information into my credit report each year. Every time I resolve this matter with them and go through all of the steps to have this fraudulent account removed from my credit repot they continue to re-report and re-insert it into my credit files, and they know that they are doing this fraudulently, but they have no regard for the law. <P/>I never lived at the XXXX XXXX XXXX, and I never even stepped foot in the place and never submitted an application to that property, and this was opened as a result of identity theft. Not only have I been through this ( 5 ) times with Hunter Warfield and even submitted a police report they continue to try to blackmail me by reinserting this fraudulent account into my credit file hoping they can force me to pay it. <P/>This is a fraudulent account and is in no way associated with me, other than my stolen information was used to open the account. At this point I should be suing Hunter Warfield for defamation of character and exortion, but I have not as of yet. <P/>HUNTER WARFIELD, INC Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Rental/Leasing Original Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : {$1800.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$2200.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes this account information

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Transaction issue

Complaint: I need your agency help to dispute the charges on my American Express card done by XXXX XXXX XXXX. I was contacted by XXXX XXXX XXXX representatives initially on XXXX/XXXX/2015. They represented to me by phone and by email that they were located in Virginia and told me they had an extensive success record recovering money from each of the companies that I told them I had dealt with and very confident that they could win the cases with each one of them. Occasionally I had difficulty communicating with them, but eventually they always communicated successful results taking place in the process. Then I suddenly could not communicate with them at all. They left several cases partially represented and other cases got nowhere at all. The lack of complete follow through, communication, and assurance that all companies were properly brought cases against has cost me considerable time, energy, and money to try and rectify. I have since learned that they were not a Virginia firm, and that information was fraudulently represented to me. I have also noticed that with one of the companies in particular, that the paperwork- contract- they submitted to was tempered with, language changed, and misrepresented to the credit card company. This was an illegal representation of the truth, and as my representative compromises my personal and business integrity. I believe that their dishonesty, misrepresentations, and dropping of cases/lack of complete follow through may have cost me more than {$10000.00} of unresolved cases, specially because the older they get the more difficult it gets to get my money back. And I believe they strung me along, and now I would like to get my {$5600.00} refunded to me, since they did not provide the services that I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was contacted by telephone by XXXX XXXX, phone number XXXX on Thursday, XXXX XXXX regarding an apartment lease for my son we were trying to pay off with leasing company. My wife contacted XXXX XXXX on the XXXX who then told her that a payment arrangement needed to be made before Tuesday, XXXX XXXX or the account would be reported to the credit bureau. She informed XXXX XXXX that we had not received any notice of the account being turned over to collections as we were still sending payments to the corporate office of the apartment housing. XXXX XXXX told her that a letter was mailed out on XXXX XXXX and still demanded a payment arrangement be set up prior to the XXXX. My wife explained she was not comfortable giving out our checking information over the phone since we did not have proper notice. We finally received a letter in the mail from XXXX XXXX ( National Credit Systems , Inc. ) dated XXXX XXXX, 2016. My wife explained to XXXX XXXX that she would be disputing the amount claimed to be owed as she has repeatedly requested an accounts ledger from the apartment corporate office as our balance did not match theirs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was sent a collection notice by XXXX XXXX XXXX for creditor XXXX on XX/XX/XXXX. XXXX showed a debt of {$570.00}. This charge was for final payment on XXXX account for services, plus an additional amount of {$200.00} for the phone and {$27.00} for a lease charge cancel fee. On XX/XX/XXXX, I went to the XXXX store located at XXXX XXXX XXXX XXXX in XXXX, Nevada. I was assisted by XXXX XXXX, a XXXX employee. I returned the phone at that time. XXXX XXXX accepted the phone and reduced the bill in the amount of {$220.00}. I paid the remainder of the bill {$340.00} and was assured that my account was settled. On XX/XX/XXXX, I received a collection notice from Receivables Performance Management , LLC, ( RPM ) on behalf of XXXX, in the amount of {$200.00}. Prior to this action, I had received no notice of intent, no revised billing and no other acknowledgement or communication from XXXX that any amount was still owed prior to the collection notice. On XX/XX/XXXX, I contacted XXXX via telephone. I was advised that I needed to provide either a PIN or give the name of my elementary school for personal identification. I gave the name of my school, as I had not set a PIN. I was advised that the school name I gave was incorrect. I only went to ONE elementary school, and I remember the name clearly. I was not given any information as I could not " prove '' who I was, even though I provided all my details including account number. I was advised to go to a XXXX store and provide 2 forms of ID. XXXX area XXXX stores average a 1 to 2 hour wait. I have advised RPM that I 'm disputing this debt. However, this collection will destroy my credit, with a home purchase planned in less than 2 months. I 'm asking for any and all assistance in resolving this issue. Thank you.

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 12/17/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I obtained a mortgage modification from CitiMortgage and although I was only {$51000.00} behind in payments, the total amount of payments I would have to pay over the term of the new modified loan is over 10 times that amount ( {$570000.00} ). I was only 9 years and 8 months away from paying off my original mortgage. Now, I have 40 years of payments per the new note. This is CRAZY!!! I had no choice but to sign the loan mod or face losing my house. I spoke to CitiMortgage representatives and they could not offer any explanation. I do n't think this is a fair practice at all. I understand I am responsible for the original note/principal balance, but to be charged over 10 times the amount I fell behind does not seem fair at all. I believe Citi is taking advantage of people in difficult situations. I am out of the mess I was in and have been current on my payments. I just ca n't seem to fathom making 40 years of payments. Citi did n't offer the XXXX XXXX XXXX Program to me despite receiving government money. The XXXX Mod that they offered was an in house loan mod program and I believe it is truly taking advantage of people in similar situations. Citi should be held responsible for their actions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation