milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/14/2015 about Mortgage (FHA mortgage) with American Financial Resources, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was modified in XXXX by XXXX XXXX at that time an escrow analysis was completed and my payment increased {$17.00}. My loan was transferred to American Financial Resources in XXXX XXXX. I recently recieved a statement from this company advising that I have an escrow shortage of {$2000.00}! I called and spoke with a customer service rep who was rude, and basically told me yes the previous servicer did not complete an escrow analysis which is a direct result of the large shortage but we cant do anything about that now as the new servicer and the funds were already advanced to pay your taxes. This is a clear RESPA violation that no one wants to take responsbility for and put it on the consumer. This money should not be only me to come up with this is the servicers error and they should take full responsibility and take the loss! I then emailed the servicer requesting an escrow spread as I do not have the funds to pay the shortage in full and beginning XXXX/XXXX/XXXX they are increasing my payment {$180.00} to cover the shortage over 12 months. I can not afford this error that was not mine I pay my mortgage payment and it is the responsibility of the servicer of my loan to pay my taxes and insurance out of my escrow account and to also review annually to ensure funds are available for these advancements. I am a single mother, living paycheck to paycheck and i refuse to be taken advantage of my money is hard earned! I have not heard anything back from the request to spread the escrow shortgage over 5 years and the request was sent XXXX/XXXX/XXXX. I will not stop here with the complaints I will make a RESPA complaint as well as go to the media and social media if necessary, please help!

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: This collection agency " Pro Collect '' has placed debt collection information on my XXXX and XXXX credit which has lowered my score. I have called them numerous times and they have sent me a XXXX page, very heavily coded, letter which tells me absolutely nothing about this alleged debt. They placed this debt collection info on my credit reports BEFORE they even contacted me to collect the debt. I have told them NUMEROUS times, if they can show me where I actually owe this {$75.00}, I will be very happy to pay it. But they never bothered to show me. This is just not right. My credit has always been almost XXXX and it 's now XXXX. I want them to prove to me that I owe this debt or take my name off their list and clear up my credit score. These are very difficult people to work with here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have been going around in a circle concerning my mortgage with Caliber Home Loans.When my loan was transferred to Caliber from Vericrest Laon Servicing but Caliber would not honor the Loan modification that I had with then previous servicer. I make payments each month but they they say I do n't have a loan modification. So what do I have that i am paying each month? According to what the letter said on theb transfer everything concerning my loan would stay the same. That was not the case with Caliber. Caliber Home loans sent men final Loan Modification Documents 4 times I had them notorized and sent them. TheyXXXX claimed that New York was not able to record the final documents why? 
Caliber Home Loans will not work with me and now I have received a letter from an attorney. I pay Caliber every month. 
Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANCO POPULAR DE PUERTO RICO (TX).
Issue: Application, originator, mortgage broker

Complaint: IN XX/XX/2015 MY WIFE AND I TRIED TO REFINANCE OUR HOME WITH BANCO POPULAR OF PUERTO RICO AND AFTER RECIEVING NOTICE OF APPRAISAL FOR $XXXX HAVING THE DEBT AT $XXXX ($XXXX EQUITY) AND HOUSEHOLD EARNINGS OVER $XXXX FOR EACH OF THE LAST 3 YEARS. AFTER 6 WEEKS WE CALLED AND TO OUR SURPRISE WE WERE DENIED OF THE LOAN BUT THEY NEVER WROTE OR CALLED AND THEY NEVER PRESENTED A WRITTEN PROPOSAL FOR WHICH WE HAD A RIGHT TO SEE BEFORE WE WOULD ACCEPT THE PROPOSAL TO BE TAKEN TO THE DECISION MAKERS OF THE BANK STAFF.
WE GAVE THE BANK $XXXX DOLLARS FOR THE APPRAISAL AND DOCUMENTATION WHICH WE NEVER SAW. THE OFFICER THAT ATTENDED OUR CASE TOLD US THAT WE WOULD NOT HAVE ANY PROBLEMS WITH OUR CREDENTIALS AND OFFERED BY WORD OF MOUTH TO CLEAR OUR C.C. DEBTS WHICH WOULD BE ADDED TO THE DEBT ($XXXX). IN TOTAL, WE WOULD BE PAYING $XXXX LESS MONTHLY, ($XXXX) WHERE WE USE TO PAY BETWEEN HOUSE AND C.C. $XXXX CAN SOMEBODY EXPLAIN? THEY NEVER WROTE, NEVER CALLED AND WE HAD TO CALL TO FIND OUT. THEY TOLD US THAT OUR INCOME WAS INSECURE BECAUSE WE ARE XXXX????? IT WAS NOT INSECURE WHEN WE PAID THEM FOR 146 STRAIGHT MONTHS ON TIME!!! NOW, BECAUSE WE WANTED TO LOWER OUR INTEREST RATES FROM 6.25% TO 3.75% WITH VERY FAIR CREDIT. IN MY OPINION THEY WANT TO TAKE THE PROPERTY FROM US AND AT THIS POINT THAT IS WHAT THEY ARE DOING. WE STOPPED PAYING THE HOUSE BECAUSE FROM THAT MOMENT ON (XXXX) WE SUUFERED A LOST IN INCOME AND WE TRIED LOSS MITIGATION BUT WITH NO AVAIL BECAUSE THEY TOLD US THAT THE HOUSE BELONGS TO XXXX AND THEY DO NOT DEAL WITH LOSS MITAGATION. WE WENT TO CONSUMER CREDIT, WE TRIED HARP, HAMP, HOPE, MAKING HOME AFFORDABLE WITH NO RESULTS IN OUR FAVOR. THE BANK WAS MENACING US THAT IF WE DID NOT GIVE THEM THE HOUSE THEY WOULD FORECLOSURE LEGALLY, TAKE IT TO AUCTION , SELL AT WHATEVER PRICE THEY CAN AND WE WOULD BE RESPONSIBLE IN OUR LIFETIME OF PAYING THE DIFFERENCE. WE HAVE SUFERRED A GREAT LOST, ALL OUR INVESTMENT IS IN THE WALLS OF THAT HOUSE. WE HAVE SHED OUR TEARS AND WE STILL DO. 
IF YOU WISH TO CONTACT ME, PLEASE DO 
XXXX OR XXXX
THANK YOU AND XXXX BLESS

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 01-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: See my previous complaints. I had asked to move my due date to the XXXX. They said it could take 2 business cycles. I logged on today to see if there were any updates. Now they claim there is no record of it. 
See the chat below : YouXXXX XXXX and also i thought they were changing the due date Do you want to also change the due date on your account? 
YouXXXX XXXX yeah i applied last month XXXX XXXX I see that, currently your account status is Past Due, so you wo n't be eligible for changing the due date on your account. 
YouXXXX XXXX they alredy put it in YouXXXX XXXX didnt they?

XXXX XXXX I see that the current due date on your account is the XXXX of every month.

YouXXXX XXXX and nothing about the request I made in XXXX?

XXXX XXXX No

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Mortgage (FHA mortgage) with 1ST ALLIANCE LENDING, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced with the same mortgage company. On the first loan they had listed in my escrow account XXXX XXXX and XXXX. I have a copy of the escrow from this loan. 
When they refinanced, they dropped the windstorm insurance, why? I have no idea. 
Now they had to pay for the windstorm and are passing the blame for this error on my Insurance agent stating that it was there responsibility to inform 1st Alliance Lending. The insurance agent is stating that it the mortgage companies ' responsibility to make sure that XXXX XXXX is necessary especially if it was showing in the escrow on the first loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My monthly payment was XXXX days late ; spoke to them onday XXXX and day XXXX that payment would be made on XXXX/XXXX/15. Advice unable to verify at moment but would take care of payment. I received a call Tuesday XXXX XXXX, Wednesday XXXX XXXX. I received XXXX calls after speaking with them on Tuesday and Wednesday, I advise them not to call me by phone anymore they were not to call me back after payment arrangements the rep said she would call me as much as they wanted to ... previous reps did n't promise account or note it. They could call as much as they wanted. I received call on XXXX/XXXX/15 @ XXXX and XXXX and XXXX on my home number. Before hanging up I advised of a cease and desist on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received an unknown bill from Southwest Credit representing XXXX on XXXX XXXX. The bill was for {$62.00}. I have never paid XXXX less than {$90.00} per month and I do have another XXXX account currently. No invoice was received from XXXX. I am of course happy to pay the bill with proper communication and explanation - I paid it to protect my credit. 

Southewst Credit called my parents before I was contacted. According to the XXXX XXXX XXXX Collection Practices Act this is not allowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08-10-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with U.S. BANCORP (CA).
Issue: Other transaction problem

Complaint: THIS COMPLAIN IS REGARDING SOME TRANSACTIONS MADE ON XX/XX/2017 USING ELAVON WHICH WAS RECOMMENDED BY UNION BANK TO PROVIDE A BETTER AND EASIER SERVICE TO OUR CLIENTS. THE INFORMATION PROVIDED WAS THAT WE DID NOT HAVE A LIMIT OF TRANSACTIONSA DAY, UNFORTUNALLY THE FIRST AND ONLY DAY ELAVON WAS USED WITH OUR FIRST CLIENT THAT HAD A PAST DUE BALANCE OF {$11000.00} STARTED THE ISSUE. ON THAT DATE 22 TRANSACTIONS WERE MADE IN LESS THAN 1HR BY OUR CLIENT REQUEST TO KEEP AS RECORD EACH INVOICE PAID WITH IT OWN RECEIP. ELAVON REPRESENTATIVE : XXXX XXXX | Fraud Analyst Elavon | Loss Prevention XXXX XXXX XXXX, XXXX, TN XXXX T. XXXX| F XXXX |XXXXXXXXXXXX CONTACT OUR CLIENT TO AUTHORIZE THE 22 TRANSACTIONS MADE IN THAT PERIOD OF TIME AND TO MAKE SURE WAS NOT A FRAUD, OUR CLIENT ACCEPTED, AUTHORIZE AND PROVIDED ALL INFORMATION REQUESTED BY ELAVON REPRESENTATIVE ... 2-3 DAYS AFTER I SPOKE TO ELAVON REPRESENTATIVE AND INFORMED ME THAT SHE AND HER MANAGER DECIDED TO HOLD THE MONEY FOR ANOTHER 60 BUSSINESS DAYS BECAUSE TO THEM SEEMS THAT A FRAUD WAS MADE EVEN THOUGH THEY SPOKE TO THE CARD HOLDER AND EVERYTHING WAS AUTHORIZE. I HAD TO RECUR TO UNION BANK WHICH THEY ALSO TRYED TO GET OUR MONEY REALESE BUT THE REPRESENTATIVE DOES NOT RESPONDE TO THEM. IT HAS PASS MORE THAN 60 DAYS AND STILL ELAVON HAS NOT RELEASE THE AMOUNT, MY COMPANY HAS DONE AND PROVIDED ALL INFORMATION REQUESTED BY ELAVON ( proof : emails and calls ), ELAVON IS RETAINING MY COMPANY 'S MONEY AND THEY ARE NOT PAYING THE INTEREST, THE EQUIPMENT PROVIDED BY ELAVON TO MAKE TRANSACTIONS IT IS FULLY PAID. THIS COMPANY IS MANAGED BY XXXX ( poor english speeking ) OWNERS AND SINCE THE TIME WE HAD A HARD TIME TALKING TO THE REPRESENTATIVE AND SHE AND ME AND MY WIFE NOT ABLE TO UDERSTAND EACH OTHER XXXX CHANGED ATTITUDE AND WAS WHEN SHE DECIDED TO GO UNDER AN INVESTIGATION OF 60 DAYS BECAUSE SHE THOUGHT IT WAS A FRAUD. IT IS NOT FAIR BY HER SIDE AND WE ARE VERY UPSET TO NOT BE HELP BY ELAVON REPRESENTATIVE AND SPECIALLY CALL A FRAUD TO A HAND CLEAN CLEAN. TO US SEEMS IT IS A RACIST ISSUE. UNFORTUNALLY WE LOST OUR CLIENT DUE TO ELAVON ISSUE AND DONT WANT THAT TO HAPPEN AGAIN. THANK YOU FOR THE TIME AND HOPE SOMEONE CAN DO SOMETHING REGARDING THIS CLAIM.

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 11-03-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Other

Complaint: Capitol One ( herein after " CP '' ) has a practice where upon approval, use and after one or two payments of its initial credit card, it immediately issues the consumer a XXXX CP credit card to use at their own discretion. 
After use of the XXXX card ( in using XXXX cards ), CP sends statements as if for XXXX cards but the statement information shown is for only XXXX of the cards. Also, paying on-line through the internet : CP applies the payments to only XXXX of the cards leaving the XXXX card to appear as if it is delinquent thereby escalating fees -- late charges, over the credit limit, interest where all this is rolled into and compounds the monthly payment. 
Upon my pointing-out this practice to Capitol One, noticing the payment without a logical explanation, leaped from about under {$100.00} to over {$300.00} ( XXXX dollars ) within one month, CP refunded/deducted the {$300.00} dollar fees but reverted to this practice with my cards about a couple of months later. This included on-line payments when in the confirmation page is flashed quickly but non accessible having no printable confirmation. It even appeared and still does, that my card had been compromised by fraudulent charges. There was nothing to explain these high payments due when payments and calls were being made to the company timely consistently. In addition, about the second time I called about this CP practice, it said that a payment had been returned in XX/XX/XXXX for NFS, and not resolved which would not be the case when payments are made each month on line or called-in by phone. CP continued to try and attempt saying two months of payments were not made on XXXX of the cards. Payments were made on-line timely and directly from my automatic payment from my bank. I believe the alleged two months of " missed-payments '' is in retaliation for my first showing to CP its fraudulent practice ongoing since then. As of XX/XX/2016, upon getting no resolution, making them aware and letting them know that further action would be taken for CP continually misappling my payments for the purpose of increasing fees and interests. CP by its fraudulent practice has in attempts to increase collecting fees and interest and in retaliation has attempted to impact my credit score, if it has not already done so.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Debt collection (Other debt) with CITIBANK, N.A. (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX, I owed Home Depot for a credit line of {$1400.00}. By XX/XX/XXXX, I paid the amount off in full as my last payment was {$250.00}. After making all payments, The Home Depot sold account number XXXX to XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX obtained a judgment against me in XXXX County, Kansas court XXXX. During that time, I made additional payments by check not aware this was regarding my Home Depot Account ending in XXXX. XX/XX/XXXX, I sold my home and the {$2300.00} judgement was held back from my profit of sale. I found out recently in the process of searching through old paperwork and notice I 've been scammed. I over paid XXXX as they also collected money on an account they never should had purchased from Home Depot. I 've been writing and requesting for the return and interest as XXXX XXXX XXXX and XXXX refuse to resolve my claim.
<P/>
XXXX XXXX  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 01/26/2018 about Payday loan, title loan, or personal loan (Installment loan) with Alliance Data Card Services (NE).
Issue: Problem with the payoff process at the end of the loan

Complaint: I originally filed a complaint in XX/XX/XXXX with the bank that I was told was responsible for paypalcredit.com credit purchases. In XX/XX/XXXX, that bank finally told me that it was not them and I was referred to XXXX XXXX XXXX XXXX XXXX, MD. My complaint regarded the charges by XXXX XXXX XXXX ( XXXX ) of XXXX, CO who did not deliver services as promised in my job search. All XXXX did was prepare a mediocre resume ( as advised by 2 HR departments and 2 other placement agencies ) and tell me to contact my former coworkers. I filled a complaint with XXXX XXXX XXXX dba paypalcredit.com on XX/XX/XXXX and have yet to have a response from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/28/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CT).
Issue: Taking out the loan or lease

Complaint: Pulled credit report without permission

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I called Transunion Credit reporting agency and talk to a representative regarding unauthorized inquiries and the rep was very rude and just would not cooperate and understand my sense of urgency regarding this unauthorized inquiries. 
Please find below a list of the inquiries : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX In addition to the above there is a XXXX credit card that is reporting as a 30 day late payment, and I have never made late payments. Below is that information. 
Negative Accounts Closed Accounts XXXX XXXX TransUnion XXXX Account Type : Open Account Number : XXXX Payment Responsibility : Individual Date Opened : XXXX Balance Date : XXXX Balance Amount : $ XXXX Monthly Payment : High/Limit : {$3000.00} Account Status : As Agreed Past Due Amount : {$0.00} Comments : LAST REPORTED DELINQUENCIES : XXXX ACCOUNT CLOSED BY CONSUMER Hide Details XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I would appreciate you immediate attention to this matter.

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 04/14/2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I had been late a few times on my mortgage and even after catching up I have still been charged late fees, property inspection fees, and nsf fees. I use my banks website to pay through Web bill pay and they can not explain how or why I am being charged extra charges. I have been spoken to in a demeaning and rude manner. I do not want to remain with this company and I am currently looking for a different company. My loan was sold to these people from another loan provider. Freedom mortgage has been the worst company I have had the displeasure of dealing with.

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 05/16/2017 about Mortgage (Other type of mortgage) with QUICKEN LOANS, INC. (NY).
Issue: Applying for a mortgage

Complaint: On the Rocket Mortgage website, consumers are prompted to apply for a quick decision and a mortgage as they provide their personal access to their bank accounts. Rocket Mortgage is a form a scamming site since it prompts for " Simplicity-Securely share your financial info at the touch of a button to get the most accurate numbers, Speed-Get approved in minutes, and Control-Adjust your down payment to find a solution that works for you '' All turns to be a huge XXXX and disappointment for the consumer. After submission of the application, the Rocket Mortgage at Quicken Loans have all personal information available - social security numbers, bank account, access directly to the bank accounts, addresses. At the end of the quick review, Rocket mortgage shows XXXX options of the loan amount with XXXX different rates. Then, the system urges the consumer to 'chat ' with the Rocket Mortgage Specialist. After the chat, the specialist denies the application even if the credit score of the applicant is good, even if the Rocket mortgage automatized system is showing that the customer is approved. It gets ugly when a customer starts asking questions as 'where is my application ' and why my mortgage application disappeared from your site? The role of the online mortgage officer is to make sure the Rocket mortgage does not have any record of any transaction. Then the customer is objecting and stating that it is not fair Rocket Mortgage to ask for bank accounts Before any pre-approval of the Mortgage application. The mortgage officer is terminating the chat. SUCH SCENARIO happened with me. I was denied Rocket Mortgage by the Quicken Loans Senior Mortgage Officer, while their automated system pre-approved me and at the same moment I applied for the regular approval at the Quicken Loans application for a mortgage which is separate. It was given the impression that I was pre-approved for a mortgage, but after the Chat with the Senior Mortgage Loan Officer, all applications disappeared.
Thus, I received an immediate Denial Letter by the Mortgage Online officer, and my credit score will be harmed due to their hard inquiry. More importantly, the Quicken
Loans - Rocket Mortgage has all my bank accounts and ACCESS to my bank accounts/account numbers and login information.
I feel something is very wrong and unfair in the above process of pre-approving customers. I thing that the Rocket Mortgage is scamming customers as asking for bank account information and login access to screen who of the customers has more finances to pre-qualify and deny applications.

Company response to consumer: Closed with explanation