milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2017 about Mortgage (Conventional home mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (TX).
Issue: Trouble during payment process

Complaint: I sold my home and the mortgage was paid off on XXXX/XXXX/17. At the time the mortgage was paid off, I had an escrow balance of {$8400.00}. I sent a letter to Homebridge Financial requesting the escrow balance be refunded and I provided a current mailing address. It 's now been 20 days, and I have not had my escrow balance refunded. Is there a limit to the time frame the bank can withhold my money?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: my name is XXXX XXXX and i have a mortgage with Wells Fargo the loan number is XXXX. I am bihin with my payments because last year i had some health problems and i stop working for about one month went i try to go back on track of my payments the bank did n't take my payments any more. now i try to get a modification they deny it. I only want one way to keep my house and continue making my payment. thank for your help.

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 02-10-2016 about Mortgage (FHA mortgage) with U.S. BANCORP (TX).
Issue: Loan servicing, payments, escrow account

Complaint: On my mortgage with US Bank Home Mortgage ( XXXX ) there is a late payment reflecting that should have never been late. This account was not late in XXXX 2015. I have confirmed with the bank and received correction letters claiming error. Please see my first claim to cfpb # XXXX for XXXX late error and this new claim is for XXXX. I have worked very hard to maintain my credit and this has damaged my credit and the ability to move ahead with refinancing. These months were never late and to have them show as such is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (I do not know) with Diversified Adjustment Service, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received dozens of recorded calls to my business phone line from a company calling themselves " Diversified Adjustment Services, '' saying this is part of a debt collection. I started receiving calls shortly after I activated this business line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company = Portfolio Recovery Tel # s : XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX I have had at least 50 phone calls from these people over the past 6 months. They never leave a message, and on the numerous occasions I have answered the call, no one responds. The last phone call i had from them was today, XXXX XXXX, at XXXX. 
I finally called them back today at XXXX, and asked them to remove my number from their database, they said they could n't do based on phone number alone, and asked for further personal information, which i refused to give them. The person i spoke to was called XXXX XXXX, a manager. 
Other than a mortgage that is very much up to date, i have NO debts. 
Any help stopping these incessant phone calls would be much appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-06-2018 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Suntrust Mortgage gave me a pre qualification letter for a conventional loan for {$56000.00} so I could buy a home. The loan officer XXXX XXXX told me I had something on my credit report but it wouldn't be a problem. After I have gone under contract he tells me that we can not proceed until it comes off. The thing is on my report is an unpaid balance with XXXX XXXX from several years ago that I was unaware of as I am a customer with them in good standing. I paid the balance and was told it would come off the credit report in about a week. It never came off. Another lender gave me advice and told me to ask the loan officer XXXX to call XXXX  and have them do a Rapid Score Response. I told XXXX and his response was that this is something I am supposed to do. I called XXXX  and they told me the lender should be calling them for this. I am at my wits end. What am I supposed to do to get this loan to go thorough? My real estate agent has had the closing date extended and it is approaching. I don't think it is right that this guy gave me a pre qualification letter if I could not get a loan. Please advise.

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 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Consulting Services, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Credit Consulting Services of XXXX, CA continuously reports that I owe {$3200.00} to XXXX XXXX School. I sent them a letter from the school stating that I do not owe them anything, but CCS continues to report false information about me that is hurting my credit report. Please see attached letter from the school. Please help me, this is illegal.

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 10/17/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I contacted Kohl 's regarding a past credit card account that has been negatively reported to XXXX and other credit bureaus. The amount of the debt is incorrect. When speaking with the company, they ask for verification information such as address, social security number, phone number, etc. They did not inform me they are a debt collector and that this is an attempt to collect a debt. They proceed to tell me that I owe a balance and I can pay a balance. When I informed them that the balance they 're mentioning is incorrect, they tell me that there is no way to dispute the balance. I ask for proof and verification of the balance according to their records and they told me they have no way of providing me with proof. This has happened on three separate occasions. 

Finally, today, XXXX XXXX, 2017, I contacted them yet again to get clarification on the balance. They inform me of the collection agency that is collecting on their behalf. I reach out to the agency regarding the debt and they tell me that they have a restriction placed from Kohl 's ( Capital One ) not to contact me at all. They tell me they also have no way of verifying the debt and ca n't provide me proof of the charges or a breakdown. They offer a settlement and I inform them I am disputing the validity of the debt and my right as a consumer has been violated. They tell me I can email, fax or mail out a letter to them and they will get it back to Kohl 's. They say that normally this is an attempt to collect a debt, but as of right now it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Consumer Loan (Installment loan) with Blitt and Gaines, P.C. (IL).
Issue: Problems when you are unable to pay

Complaint: See Case # Case number : XXXX Please add and Re-vise- This debit which they are attempting to collect is past the amount of time to collect by Illinois law XXXX and this agency is selling-off my debit as a possible current debit with wrong info and amounts, without advising me with any info or proof. Rather they find it easier to harass by phone calls in the past- at all hours of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Credit reporting agencies XXXX, Equifax and XXXX refuses to delete the unauthorize hard inquiries and negatives from my credit report. As of XXXX XXXX,2017 I received a credit monitoring from XXXX XXXX on my scores dropping to XXXX in which my scores was up in the high XXXX 's. I making timely payments on my two accounts XXXX XXXX loan and auto .I only have two accounts on my credit report. XXXX XXXX stated the credit scores comes from XXXX, XXXX and Equifax. XXXX XXXX also has a issue reporting accurate information. Very Urgent Matters!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: on XXXX/XXXX/XXXX Midwest Recovery Systems, XXXX placed a collection item on my XXXX credit report and then on XXXX/XXXX/XXXX they contacted me by phone about an installment/payday loan (? ) from XXXX XXXX XXXX. At that time I indicated that I had no knowledge of this debt and requested that they send me something in writing so I could investigate. They only thing they wanted to reference ( verbally ) was an IP address which means nothing to me.

It 's now XXXX/XXXX/XXXX and I still have n't received anything in writing from them. It 's my understanding that they must send me something in writing within 5 business days of initial collection action/contact. 
Ironically, on my credit report there 's already a notation that this is disputed and I did n't file this. I 'm assuming that it was done by XXXX, but I do n't know.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Vehicle loan or lease (Lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (DC).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: When I moved to  XXXX  ( from  XXXX  ) i n    XXXX   XXXX     , Infiniti Financial Serv ices ( IFS ) began charging me a 10 %   XXXX    sales tax on my monthly bill. A fter researching   XXXX   tax code, I do not see any code that indicates a sales tax is required for vehicles originally registered in another state before establishing residency in   XXXX  . Since XX/XX/XXXX  , I  've made several inquiries to IFS via phone and in writing but they have not provided any details to support this 10 %  XXXX  sales tax. I also contacted the  XXXX  Office of Tax Revenue and was informed that sales of motor vehicles and trailers are not subject to sales and use tax but only to excise tax of 6 % in  XXXX . Even  XXXX  states that the sales and use tax does not apply to the sale of motor vehicles. The 10 % rate in  XXXX  applies to rentals of motor vehicles and utility trailers, except those registered for commercial purposes. Only rental or leasing of rental vehicles and ut  ility trailers is taxable. I did n't purchase/lease this car in   XXXX    nor is my lease classified as a rental vehicle.
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I believe IFS is erroneously charging me ( along with many other lease customers ) and refuses to correct their mistake. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit card () with AMERICAN EXPRESS COMPANY (AZ).
Issue: Other

Complaint: I have been trying to get a hold of someone at American Express in regards to my grandmother 's account she passed away in 2011, I keep getting offered a gift card for a {$4.00} activation fee? All I want is for them to write off the card and close the account like the other card

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I graduated from XXXX school with XXXX in student loan debt XX/XX/XXXX. To this date I owe XXXX. The loan is in my fathers name, with myself as a signee. At two different times I had to do a forbearance which had dug my student loan debt into a hole that will end up paying back almost double the initial loan by the time it is repaid. My father who is primary on the loan had to talk to a representative, at the time ( XXXX XXXX ), he was given the only choice which was a forbearance. Some time later I was back in the same situation not making enough to cover my loans and living expenses and had to take another forbearance. Talking with my father this was our only option. Recently I have heard of other people in similar situations. I found out there were other options like income based repayments. This was never an option years ago to our knowledge and feel like we were tricked into an option that would be in the favor of then XXXX XXXX and now Navient that would never allow me to get out out of this hole of debt. Almost a XXXX education that I believe was worth only a quarter of that. Ive looked at my statements on my account and the percent of interest paid vs principal makes an obvious statement that these loans were never meant to be paid back but to live on interest and keep the borrowers in debt for as long as possible. My payments are soon to go to over {$500.00} per month and at that rate will not be paid off until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (HI).
Issue: Struggling to pay mortgage

Complaint: To whom it may concern, I have been seeking for help in regards to my mortgage, and I have been paying different company and this last on company XXXX XXXX XXXX is the last. We been on and off to the court and tried to save my house for the sake of my kids and myself. When I got divorce I was dealing with XXXX who was my servicer before Ocwen. I applied for hardship to XXXX before explaining the hardship they denied my application but they were accepting my payments for a year every month paid them {$1500.00} till XXXX on XXXX from there I stop paying XXXX because they told me that my payment was not applied to my mortgage. Ever since then I was n't paying anything to XXXX then find out later my new servicer is Ocwen. Ocwen been really determined to take away my house for years and they cant even provide me the orginal note that stating they own my home. I am hoping will someone can help me. Paying this company filing cost and her service draining me out. We tried to modified my mortgage they approve me twice but the trial payments they givin me was too much for me to pay so I refused to pay the trial payment because I assumed to modified my mortgage is to lower my monthly payment but its more that what I have to pay. I am a single mother and I was divorce and im the only name in the mortgage but my ex is still in the deed but he is not helping me to save the house because my name on the line. It has been so emotional hurtful for me and my kids are affected to the situation scared to be someday thinking we going to be on the street or asking help from the government for homeless people. I tried my best to have my family be on the good shelter and have maintain job to support our needs as mother. We do n't want to be a burden to the government and just tried to keep this house to the level of what we can afford. I am sure XXXX XXXX XXXX did illegal documenting my mortgage and Ocwen as my servicer can provide the facts original note to present to me that they own my home ... I am asking your help in regards to my situation. Ocwen is giving me a hard time and every time they tried to sale my house it feels like im going to die for all this emotional worries and scared where we gon na live if they take my house. I have been representing myself in court with the help of this company XXXX XXXX XXXX. Please help me ...

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Caliber Home Loans, Inc. (TX).
Issue: Closing on a mortgage

Complaint: Please note this is a Followup. 

You have the originals complaints and answers to litigation and fraud elements. 

XXXX XXXX XXXX. Trustee responded that they are not involved when they sued me. 

XXXX XXXX XXXX XXXXXXXX and Caliber Home Loans, Inc. sent repetitive letters from XXXX to XXXX. 

They are all responsible for Real Rstate Fraud,  confusion regarding service and ownership service notifications. Those notices were not reflected on the Instruments from XXXX recorded at property clerk. Another name XXXX XXXX XXXX XXXX, never sent the page for XXXX XXXX that are required for borrower can review and make accurate information. Instead XXXX XXXX XXXX and Caliber Home Loans , Inc said the never had a contract with the Original Contract ( XXXX XXXX XXXX XXXX ). From XXXX through XXXX XXXX when XXXX XXXX XXXX and Caliber Home Loans Inc did an illegal transfer because there was never a transfer/assign from XXXX XXXX to XXXX XXXX c/o Caliber as new Owners. XXXX recorded in XXXX violates statutes and intentional commits Real Estate Fraud. 

The XXXX instrument is/was illegal and any instruments using that document is intentional fraud, and harassment to Original Contract borrower, Fraud to FDCRA which can only be legal if the Petitioners can verify pet statues they owned my contract. They can not do so and transferrd illegally in XXXX XXXX to XXXX XXXX XXXX. to deflect fraudulent transfer and assignment. 

All who sued me in XXXX XXXX and before have not been able to prove ownership for over 4 years and made the transfer fraudently to XXXX XXXX XXXX which include their partners in real estate fraud. 

Two class action suits against them, because letters automatically sent to " new Caliber borrower from transfer '' intentional done in XXXX ; violations of illegal statutes. 

Caliber, XXXX and XXXX XXXX XXXX. In XXXX was found guilty of charging XXXX Americans and XXXX  higher interest rates was the second litigation intent fraud. 

I have an Order to Foreclose on my property was from XXXX XXXX XXXX. and the other Petitioners which has illegal possession of my deed. It was promised my XXXX in XXXX XXXX, XXXX XXXX. 

Numerous complaints and litigation toward Petitioners sue to foreclose my house as well as others do not have any legal ownership. My legal homestead property is protected from such illegal and fraudulent group repetitive frauds. 

Please retrieve my deed and punitive damages. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: There 's numerous inquiries on my credit report showing over XXXX student loans. Luckily these were all consolidated, however they are still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (Other debt) with ERC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Enhanced Recovery company failed to notify me in writing wit hin 5 bu siness days of reinserting a deleted collection account that once belonged to  XXXX   XXXX   XXXX  in  XXXX   2017 . Not only did they break the law in failing to notify me, they reaged the account and changed the amount " owed '' on this collection account that I disputed and was deleted from my credit report. I have no knowledge of this account, please delete this inaccurate information from my CREDIT report it is making it extremely difficult for me to obtain credit. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Auto debt) with Byrider Franchising, LLC (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I voluntary surrendered the vehicle in XX/XX/XXXX. At that time I requested a copy of my entire file with the company including the amount that the vehicle was sold for. I was told by the manager XXXX that I could not have any documentation relating to the vehicle. I called the office again and this time spoke to XXXX who managed the payments at the front office and was told that I would have to speak to a manager who should be able to get me the information. I was informed again that I could not have any paperwork including the resale price. I no longer had any contact with the company. As I am repairing my credit I reached back out to the company XX/XX/XXXX and this time I believe that I spoke to XXXX who informed me that he could not produce any paperwork since the account was so old and his exact words to me were " dispute this item on your credit report. '' I disputed this item XX/XX/XXXX and in XX/XX/XXXX after no activity since XX/XX/XXXX they have misrepresented on my credit report. 1st error - it is stating repossession and it should have stated voluntary surrender. 2nd error - they have stated that a payment of {$240.00} was made - I have not made any payments on this account. 3rd error - they stated that the vehicle was refinanced/renewed which is simply not true. This bank/creditor is known for their deceptive practices. Please investigate and remove from my credit as they are not providing correct or accurate information. Thank you kindly

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation