milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan modification,collection,foreclosure

Complaint: My current mortgage company Nationstar is refusing to honor the terms of a modification I received when the loan was with XXXX. As a result of this my loan has gone into foreclosure and I have a court hearing next month. I believe that Nationstar 's actions are unethical and illegal. I sent in my payments for the modification as agreed after the loan had been transferred, but Nationstar sent the payments back to me claiming they were just " partial payments. '' I tried to explain to them that I had an existing loan modification and that it had been approved by HUD since I have an FHA loan but they would not believe me and told me I had to apply for a new modification with Nationstar. When I did this I was told that I did not qualify -- because I had already recently received a modification?? I am flabbergasted and outraged at the behavior of Nationstar, who seems to want to push me into foreclosure to cash in on the insurance money instead of following the government rules and guidelines for FHA loans. 

I have owned this home for 12 years. We never had a problem making the payment, until I went through a separation in XX/XX/2015 and was reduced to XXXX income. At that time the loan was with XXXX and I provided all of my financial information to them and was offered a modification that allowed the late payments to be held in a silent second ( I think it is called a partial claim ) and for me to resume making payments of {$850.00} a month. I gladly accepted this agreement and made the payments as agreed. Then the loan got transferred to Nationstar and their agents would not take my payments and actually sent them back to me. When I told them I already had a modification and this was the agreed upon amount they told me I was wrong and that I would have to apply again. All during this time I could have been making payments but Nationstar refused to accept what I offered -- -- after I applied for a loan modification through Nationstar I was told that I was denied. Because I had already received a loan modification??? If I already received a loan modification why was Nationstar pretending this modification did not exist? This is the ultimate hypocrisy and unethical, immoral and illegal behavior by Nationstar. 

I am not asking for a handout or anything free. I am asking Nationstar to play by the rules and resolve this situation. Due to some type of internal issue or poor recordkeeping Nationstar acquired my loan and made a mistake relating to the loan modification I had received and they failed to honor this. This is a violation of the government guidelines relating to FHA government insured loans. When I tried to make payments Nationstar SENT THEM BACK. Nationstar then told me I had to apply for help again ; when I did apply I was told that I could not receive help, because I had received a modification in the past, even though Nationstar refused to recognize this when I tried to make these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: I went on a trip to Wyoming and the hotel was terrible so i wanted to have wells fargo get my money back and I used my debit card to get hotel ... ... ... .here is the information I had put in claim to try and have wells fargo help me ... ... .. {$470.00} dollars claims assistance center ATM/Debit card Claims XXXX. XXXX XXXX XXXX, NC XXXX Wells fargo denied this and said they closed claim. I wasnt treated fairly and wells fargo said I had stayed at XXXX XXXX hotel all the time I was there which was only 4 days and so the swimming pool was always under maintenance and jaquizzi was never working until last day and maid service after 2nd day there was not good to standards because i had not got what i needed so couldnt take shower because no clean towels and also back door of hotel entrance to get inside to my room was not working last 2 days there so had to use longer route to room. Also I had a maintenacne guy finally bring me towels to room and then last day maid service was there but I could n't possibly know of what was going to be happening while staying there so weels fargo said that they made decision based upon that i had stayed there and i was there only 4 days and had to drive over 100 miles to XXXX Colorado to catch my flight plus return rental vehicle to so I though since i did n't know when all of things had started happening more after few days staying there that i wasnt going to ask for refund yet until i got back home and was very tired and miserable because i could n't sleep right half the time either and im a XXXX veteran so I 'm on a limited income also and cant just jump from hotel to another one that fast plus money and so i had all things starting to happen over course of all the four days there anyway so how come wells fargo cant help me to get my refund back ... ... .This had been a lesson learned to never ever get a hotel like that one. Also since wells Fargo bank said i stayed there well of course i had really no choices after it was occurring at different times for most of things that happened to me and so there fore i feel that I fully deserve a full refund from that hotel through Wells Fargo Bank and I cant control that hotel and time frames of when it all occurred.I know wells said I stayed there but it all happened at different times and 4 days is such short time to stay at any place ... ...

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 03/31/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TN).
Issue: Account opening, closing, or management

Complaint: The representatives of XXXX went to Wells Fargo Bank in XXXX, GA, on Wednesday on XX/XX/2017, and submitted documents on a promissory note. All representatives of XXXX sat in an office as we presented documents in order to process said documents. The intent of visit was clearly stated. Calls were made to confirm if the papers submitted were in process there was one document that needed to be changed and we retrieved the needed document. The Personal Banker said that, " It 's a go '' indicating we were ready to exchange on the promissory note. 
Then representatives of XXXX came in on Friday, XX/XX/2017, He attempted to open a business and savings account, which we did not request and, avoiding the very reason we came into the branch, which was to exchange legal tender ( promissory note ). We explained our intent and he then referred us to another Banking institution of Wells Fargo to speak with someone who dealt with our particular financial needs. We then, met with the Personal Banker 's, referal and then he explained that they do honor promissory notes as legal tender, negotiable instruments. He said we ca n't use our promissory note but Wells Fargo creates their own promissory note. We were then directed to corporate at Wells fargo. Several other calls were made to the corporate offices in California, one in XXXX and the other in XXXX XXXX, in attempts to exercise our rights regarding the promissory note according to the UCC law which is under the Federal Reserves and Maritime Law. [ Admiralty law or maritime law is a distinct body of law that governs maritime questions and offenses. It is a body of both domestic law governing maritime activities, and private international law governing the relationships between private entities that operate vessels on the oceans ]. There were 2 of the 3 callers that were very rude and unprofessional and absolutely hateful and mean, when asked questions regarding their position and if we could speak to someone else in a higher position. We got blown off and talked to as brutes, just overall violated our constitutional and civil rights and turned away without the anticipated services rendered that are due us. The corporate office representatives told us they do n't do promissory notes but two branch manager told us they do them and have done them. We have an actual recording of the conversation with one of the managers telling us that he has done several promissory notes and that Wells Fargo create their own ( PN ) on a certain type of paper. While on the phone with the corporate office representative of Wells Fargo, a call was made to the person we spoke to and we were informed by the corporate office representative, that the manager at the bank said he did n't tell us they do promissory note, it was a misunderstanding.

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 01/19/2016 about Payday loan () with Enova International, Inc. (CA).
Issue: Applied for loan/did not receive money

Complaint: I was refused a PayDay loan because they have me listed as On Active Duty in the Military. See attachment. But I am a CIVILIAN and I have never been in the Military. I am XXXX years old. How in the world did I get listed as being in the Military? 
How can I get OFF this List of being On Active Duty in the Military. 
ASAP please!!! 
Thank you!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A collection item showed up on my Experian and XXXX credit reports. I already filed a complaint with regards to the XXXX report. CFPB people asked me to file another complaint regarding the Experian report. The item on the credit report is called " XXXX XXXX XXXX '' I have never done business with this organization and I am not aware of any debt to them, or to any past-due debt at all on my credit report.

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 non-monetary relief
Consumer complaint received 03/27/2017 about Bank account or service ((CD) Certificate of deposit) with CIT BANK, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: I had a CD with CIT bank that matured on XX/XX/XXXX. I received a letter from CIT on XX/XX/XXXX that they had forgotten to send me a renewal notice for this CD when it matured, so it automatically renewed at the same interest rate of 1.153 %. At that time, CIT bank 's interest rate for a 1 year CD was much higher than 1.153 %. I called CIT today, and asked them to retroactively apply the then current interest rate. They refused. Why will a customer lose interest money over a bank forgetting to communicate to customers when CDs mature? 
I have a couple more issues against CIT bank : 1. They have this concept of ramp-up CDs, where they do not automatically renew the interest rate, when interest rate goes up. Only when customers call in, will they raise the interest rate. How will customers know when the interest rates go up in a specific bank? 
2. Also, customer service does not seem to very helpful and polite in responding to questions.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My comp any has a Small Business Acc ount with  TD  Bank and I believe their banking practices are deceptive.     Pag e ( 1 ) On  X/XX/17  a  deposit of {$1500.00} was put in the " CASH '' column and ALL the funds were shown as " Available '' in the " BALANCE COLUMN ''.   Page (  2 )  On the morning of   X/XX/17     I personally cashed check #  XXXX  for {$500.00} at the  TD  branch in  XXXX   XXXX , FL and the teller never indicated the funds were not available.     On   X/XX/17  I  logged on to my TD account and noted the overdraft of {$140.00} ( date   X/XX/17     ) and my check #  XXXX  for {$500.00} clearing on   X/XX/17     with a balance of {$740.00} ( balance was {$1200.00} BEFORE  TD  took the {$140.00} overdraft ).     I called  TD  's  XXXX  number on   X/XX/17  a nd initially spoke with the first person that picked up, then after an extensive conversation was switched to a manager. I do not recall their names. I told the Manager I believed they way TD reports funds is a fraud and why do they not list all deposits ( except cash ) as " Pending ''. She gave me the 'typical ' answer about only giving {$100.00} credit and that all checks need a day or more to clear. I already knew that ... but if it had been a cash deposit funds would be available immediately.     There were no 'brackets ' around the overdrawn items ... {$140.0 0} (  {$35.00} per item.  ) Page ( 3 )  O n  X/XX/17  (  my printout of   X/X/17     ) the  TD Manger agree d to refund the {$140.00} charge. Note that on   X/XX/17   there was another deposit of {$1700.00} put in the " CREDIT '' column, but again it 's really not a full credit because the deposit was a check. However their printout shows that ALL of the funds were available.     I believe this is a very deceptive practice on the part of  TD  Bank to print the fact that the funds are available when they are not. Any funds deposited, with the exception of cash, should be indicated as " PENDING '' and not make their clients guess when deposits will actually clear. Now I am forced to add up all of my charges and make sure something has been added to the " Todays ' Beginning Balance '' page.     Each time my  Manager  deposits a check I now need to call him to see if it 's cash or a check. I do not operate in our  XXXX  office and my Manager many times is on a job and unable to take calls.     How difficult can it be to say "  PENDING  '' ... in my opinion ... very deceptive and of course more funds for TD.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loans are through XXXX now Navient. I am a XXXX and have been paying on these loans for over 13years. In XX/XX/XXXX, I had the payback period changed to an end date of XX/XX/XXXX. Suddenly XX/XX/XXXX, Navient unilaterally changed the terms of my loan back to an end date of XX/XX/XXXX which conveniently would earn them over {$8000.00} more dollars in interest. So I had to waste time calling Navient, to verify why the terms were changed without a discussion with me. No one could give me an answer. I then reported them to the XXXX, which prompted a call from their customer advocate department. A, XXXX XXXX assured me the terms were corrected and the direct withdrawal amount would be corrected back to what it was. I see today that it was n't. I find it curious that a large banking concern could n't figure out how this happened and then given 3 weeks notice could n't get it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (AZ).
Issue: Credit decision / Underwriting

Complaint: In recasting my mortgage with Chase, they sent me instructions, which I followed to the " T ''. this was supposed to make the adjustment to our mortgage by the XXXX XXXX, 2016 payment. I provided them with a check for XXXX the minimum amount and 7 days before their deadline. Chase then misplaced my request and did not send the paperwork required by them. BY the time I called this to their attention, they sent the paperwork about a month late, and therefore, the recast did not take place until the XXXX, 2016 payment date. I am requesting a refund of the extra {$730.00} in interest their negligence cost me. They have continued to deny my dispute and dismissed it without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Debt collection (Medical) with Radius Global Solutions LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection agency. CENTRAL CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX / XXXX Reporting debt from another person on my credit report. 
after several phone calls the agent were unable to validate and or locate neither my address, my name, by the amount owed or by the account number. 
I am disputing the validity of the debt reported to all XXXX credit bureaus by CENTRAL CREDIT SERVICES

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CCS Financial Services, Inc. (CA).
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: Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract. FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : Credit Control Services No account # listed Bal {$270.00} XXXX XXXX Acct # XXXX Bal {$2900.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Mortgage (FHA mortgage) with MOVEMENT MORTGAGE LLC (KY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XXXX XXXX I applied for a home mortgage. I contacted Movement MortagXXXX online and submitted all documents needed with XXXX XXXX. I received a Commitment Letter saying I was pre approved for a $ XXXX loan with FHA XXXX XXXX down. I was excited and went looking for a house. XXXX said he wanted to submit it to the board to make sure it was all going to be good. He came back asked for a few more things, was all good. I put a offer in on a house, put money down, was very excited. Then he called said He could n't use my child support, which was a large part of my income. This was not hidden, So then he said if you pay off your XXXX XXXX loan, I can still get you to budget. I was like how can I come up with another XXXX XXXX... My boyfriend went out got money to pay it off, was a stressful few days to figure that out. I was at bank depositing money get a call from XXXX XXXX, sorry your loan is no longer approved even if you paid the loan off. I paid off all credit cards, only thing left was my car payment. I was so upset and embarrassed. My heart was already with this house. I put money down and paid for a appraisal. I did fight to get those back, but never wanted to be in that spot, that 's why I got a pre-approval letter. I have been so upset and stressed over this, and do n't think this should be right! I told everything up front. I am a single mom and just wanted better for us. The sad thing is I pay more in rent than my payment would of been! I have been my job for almost XXXX and lived in same place XXXX. Just sad a mortgage can do this! So I do n't recommend MOVEMENT MORTGAGE. IF any documents are needed I can provide, I KEEP EVERYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have submitted more than once the letters from XXXX stating they do not have a file under my name or social security number but Equifax is now saying, after telling me to send them the letters from XXXX, that XXXX will have to call or send them a letter themselves in order to remove the items from my report. I have sent these letters to Equifax a number of times and still not getting any help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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: I have informed all of the credit agencies that the XXXX XXXX XXXX XXXX Account that the late reporting on my credit file is reporting in error. I was never late on this account. Please help me to get this inaccurate information removed from my credit file.

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 08/22/2015 about Prepaid card (Payroll card) with PAYPAL HOLDINGS INC. (NC).
Issue: Managing, opening, or closing account

Complaint: my paypal account was permanently limited, and the fund in my account was to be held for 180days. 

I aske Paypal to release my fund immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation