milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2018 about Mortgage (Other type of mortgage) with Fay Servicing, LLC (TX).
Issue: Trouble during payment process

Complaint: I am a victim of hurricane Harvey in Texas. I was given a generous insurance settlement from my flood insurance company for the purpose of repairing my home. I promptly sent my insurance checks to Fay servicing company to be placed in an escrow account so that I could gradually start rebuilding my home. Fay Servicing acknowledged receiving the two signed checks. Here is the issue, Fay servicing is refusing to allow me to act as my own general contractor so that I can get my home repaired. I have Loss draft information sent from their company clearly stating that I can as my own general contractor as long  as I follow the guidelines established by them and provide adequate documentation receipts and home Inspections done by them. Fay  servicing is insisting that I hire a licensed general contractor to even purchase kitchen cabinets, a refrigerator, tile. Under no circumstances can I make any purchases or repairs without the umbrella of the licensed contractor that they insist on. 

I have asked them to please give me information in writing stating that I must work under a contractor, they have flatly refused. I asked if I could hire my own AC licensed person, they refused. They even refused to provide the initial monies to do demolition to my home which resulted in mold build up, I have not been allowed to replace my AC. 
All of the items that I listed are clearly supported on my adjustors report s things that I need to have done. They finally agreed to reimburse me for the refrigerator and tile after sending me a threating letter that this will never be allowed again, I have the letter to submit to you. 

I continue to ask that the policies they are trying to inflict are me should be sent to me in writing, they state that I am not privilidged to certain sensitive information. I was also told that the any amount left over after repairs were done would be automatically used to pay my mortgage down. My concerns is this, how can that be legal? 

The only resolution I have been able to get from them is another mortgage person who tells me the same thing that the previous one said. 

I gave them a logical reason for wanting to complete my house slowly without a full team of contractors in here, I am currently receiving XXXX for XXXX and I can not withstand the dust, chaos and stress at this time. I simply wanted to complete one room at a time until finished

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Credit card () with SYNCHRONY FINANCIAL (SC).
Issue: APR or interest rate

Complaint: I have had a B. P. gas card for over ten years now, never paid late, my interest raye as of XX/XX/XXXX was 21.49 % now since syncrony bank has taken card over, rate has increased to 27.24 % an increase of 5.75 % or ruffly 26 %, I feel as a loyal customer this is unfair, and would like to know on what do they base % on?

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Debt collection (Other debt) with SYNCHRONY FINANCIAL (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I opened an account at QVC with a limited amount of {$2500.00}. QVC has a policy of selling items on " flex pay '', meaning a customer has 2,3 or more months to pay the balance. I paid a minimum or more amount regularly every month, assuming that amount covered amount due. Then I get a phone call saying I owed an undisclosed amount ( somewhere around {$500.00}, they said ) over my limit. I asked why I was allowed to order over my limit but never got an answer. Now I am paying on two separate bills, one to their loan company and one directly to QVC and apparently they have also transferred some accounts to my XXXX XXXX without my permission!

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 02-05-2016 about Debt collection (I do not know) with Focus Holding Company (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am receiving calls from Focus Receivables Management about a debt that I do n't owe.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I would like to file a complaint against HSBC and XXXX XXXX for discrimination and gross incompetence. I have suffered from a financial hardship from the Great Recession and my spouse 's passing. We have been trying for a mortgage modification since XX/XX/2009 and have received unfair treatment, have been given misleading, conflicting and confusing information. This has been a prolonged loss mitigation review process in which the same documentation was repeatedly requested by the servicer. I have been told by our case manager XXXX XXXX that the loan has been transferred several times, when asked for details he could not/would not elaborate. 
We have been denied a loan modification XXXX times, each time for a different reason ( please see notes in my file ), the last denial being that XXXX XXXX does n't participate in any kind of loan modification program. Since 2009 we have applied for a loan modification, I was given the application that clearly stated loan modification, my case manager had said all along that we were applying for a loan modification, and now I am being told that XXXX does n't participate. ( Please review all of my case notes and any recorded conversations that you have ) and you will see the misleading information that I was given. 
I have XXXX young children, I want to stay in my house, I have no place else to go, my case manager had said several times that I would qualify for a 2 % mortgage with a XXXX year amortization schedule and a principal reduction to help reduce my financial stress. 
After XXXX of my denials I was told by my case manager that I was denied because I am a single mother with XXXX children and no job, I am offended by these comments and feel that I am being discriminated against because of my gender. 
Please give this your immediate attention and contact my brother-in-law that is helping me with my financial affairs ( XXXX XXXX, XXXX ). You have my permission to speak to him on my behalf, I have previously written a letter to the servicer on this ( you will see letter in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Student loan (Non-federal student loan) with Dream Center Education Holdings (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: On XXXX 2014 I enrolled in an online program at Argosy University. Everything was done online and it was expedited in a very quick manner ( in less than 2weeks ). I received an email from the adviser on XXXX/XXXX/14 that I started class that evening. As I received access to the student website I quickly realized that it was n't the program for me. I called the advisor on XXXX/XXXX/14 and informed her that I wanted to withdraw from the program, I did n't want to attend it because it was n't what I expected out of the course. It was n't until I had access to the student website that I was able to go through all the class information. Upon receiving a statement stating that I was responsible for the semester tuition I called the Registrar office at Argosy and they informed me that I was responsible for the tuition because I withdrew before the drop date which I later found out was on XXXX/XXXX/14. Trying to speak to someone there is horrible. You get voicemails and no one responds. I have been transferred to the Tech Dept. ( that 's how bad it is ). I also spoke to the Financial Aid Dept. as well and no one has helped with this matter. They are very quick to say that I passed the withdrawal date so I am to pay the balance accrued in my account. All I want is a transcript which will state that I dropped the class.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/21/2015 about Debt collection (I do not know) with Zenith Financial Network Inc (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The initial call was received on my cell phone from a local number XXXX. Needless to say this company is Florida using local number. I then received a call at my desk and spoke with XXXX XXXX asking me to verify my date of birth. I proceeded to ask XXXX for her address so that I could send them something in writing asking not to be contacted at work. She said he could take of that however I still plan to mail a letter today requesting that all contact cease. Shortly after I hung up with XXXX my co-worker brought me a message from a guy that refused to give him his name, however he said the guy was really rude and requested that I call him back at XXXX. Yet another local number for a Florida company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Credit reporting () with Experian Information Solutions Inc. (NH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Never lived in Pennsylvania in my life. 
Also NEVER known as XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: There have been several pieces of information being INCORRECTLY reported by this company. Last XXXX XXXX, 2017, I mailed them a letter disputing and asking for these items to be investigated. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX accounts : XXXX, XXXX, XXXX and XXXX has been disputed BOTH TO EXPERIAN AND XXXX. XXXX deemed these items UNVERIFIABLE and has been removed from my credit report. What I do not understand are the following : 1. Why would these items be removed by XXXX and not by Experian despite the incorrect and inaccurate information being reported ; 2. What documents did Experian got and used in their investigation that XXXX was not able to procure? ; 3. Why would a company verify the disputed information to one credit repository and not with the others? 4. Is n't this a violation of FCRA of both this credit repository and the reporting entity?

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 01/17/2017 about Debt collection (Credit card) with Schreiber Cohen, LLC (ME).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am attaching the documents I received today from Schreiber/Cohen LLC on behalf of XXXX XXXX XXXX XXXX. The documents were very poor quality photocopies. Parts of the documents were blacked out and the envelope was hand written. I have no idea if this is legitimate. I have NO problem working out a payment plan with a creditor if it is legitimate but this looks questionable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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: Three  times I have submitted requests to the  XXXX  individual credit bureaus as well as  XXXX   XXXX   XXXX  requesting the inaccurate reporting of the late payments in  XXXX  &  XXXX   XXXX  to be removed for all  XXXX  of my federal loans with acct numbers  XXXX ,  XXXX ,  XXXX , &  XXXX .     The agency reported a timely payment in  XXXX   XXXX , 60 days late  XXXX   XXXX , & 90 days late  XXXX   XXXX  for all my accounts. During this time I was struggling with the company to approve my IBR. On  XXXX   XXXX ,  XXXX  I spoke to agent #  XXXX  with  XXXX  who retro-acted my deferment to  XXXX   XXXX ,  XXXX  to be active until  XXXX . I followed up on  XXXX   XXXX , to ensure my account was current was spoke to a man,  XXXX , @  XXXX    XXXX   ( MST ) who stated I was in deferment with a bal of {$0.00} since  XXXX   XXXX .     Every time I have requested the inaccurate reportings be corrected  XXXX  places a remark of " Dispute resolved, Customer disagrees. '' Nothing has been resolved. I was in deferment so the late notices should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continue attempts to collect on debt that i never made.. i told them it was not mine and they persist on attempts and add more charges.. that are also not mine ... they keep bringing my credit score down and attempt to bully me in yo paying this debt i do not owe..

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Debt collection (Auto) with Weltman, Weinberg & Reis Co., L.P.A. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was sued in 2003 by Weltman Weinberg & Reis. I was never served any documentation requiring that I appear in court. Resultantly they obtained a default judgement against me. The lawfirm is aware that I was never served and instead of with drawing the judgement they continue to attempt to collect. The case is in the XXXX XXXX XXXX XXXX XXXX, Ohio. Case No. XXXX. Please help me I have exhausted every avenue known to me. I am at a loss with regard to how to successful right this wrong and I am frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: None of the XXXX major credit reporting bureaus have my employment information since 2012 and some do n't have my correct and legal name from my legal social security card which is XXXX XXXX XXXX not 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 07-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Last Monday  XXXX   XXXX , Chase bank decided to close all  XXXX  of my credit cards.  XXXX  business, and  XXXX  personal credit cards. The personal credit have been opened without 2 years and the business for over  XXXX . Never have I missed a payments, overspent half the credit line or took adavantage of any points rewards system. I am a model customer with no problems. Matter of face I have been with  Chase si nce Washington Mutual. Like I said never been late, missed a payment or abused or over used the credit lines. I had a credit line of {$120000.00} approximately with a balance of {$4500.00} total which has since been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I submitted emailed to the companies, I disputed the inquiries the week of XX/XX/XXXX over the phone. I have not received a response from at all. The Credit Buteas responded Inquiries are factual record of file access. If you believe the This was unauthorized please contact the creditor. When I reached out to the creditors they advise me to contact the Credit Bureaus. This is running me into a circle. The inquiries are as follows Experian XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX CR XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX The FCRA 623 and 611 state that any information can be disputed and must be investigated. I received a response from my call with the credit Bureas less that 8 days from the date of my dispute. One can only assume no investigation was completed. I also requested that an address be removed from my credit report on XXXX the same week the first week of XXXX. I have never lived there ever. I have lived in my home for almost 11 years. The representative advised she would remove the address. I viewed my XXXX XXXX report yesterday XX/XX/XXXX and the address was added back without them advising me. The address begins with XXXX. This is not XXXX has never been my address. They added it back without my knowledge. I called today XX/XX/XXXX and a Reps was argumentative about the address and indicated shes open a dispute. My concerns is why was the address added back if it was invalid and when was I going to be notified. I have never lived there. This is causing undue stress as I plan to purchase a home later this year and this amount of inquiries would flag as a person having financial trouble. The incorrect address is concerning because its risking my personal information or mail being sent to someone elses home

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 12/23/2017 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (TX).
Issue: Trouble during payment process

Complaint: Our mortgage was sold to Fifth Third Bank and from the beginning we experienced billing related issues. Our mortgage payment has been and is alway auto-drafted from our account each month. We paid our XXXX bill of XXXX in full and on time on XXXX XXXX. The payment was never applied correctly to our account. Now the XXXX payment has been mailed back to us? We are not sure why. We have spoken with someone every week and nothing has changed. " XXXX and XXXX '' have both assured us that something that will be done about it via a " task '' system. XXXX XXXX follow up XXXX nothing change, XXXX XXXX follow up with XXXX, nothing done, XXXX XXXX follow up with XXXX, nothing done. XXXX XXXX we had a very disturbing call from their collections department about non-payment for our mortgage. 
We were assured there would be no effect on our credit, yet checking our credit report it has been reported as late payments. We are in the process of attempting to purchase another home and have been warned that this will effect our rate unless resolved. 
After again calling on XXXX XXXX " XXXX '' has assured us that something will be done but after all we have been through we desperately need help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Money transfers (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (FL).
Issue: Money was not available when promised

Complaint: I have a XXXX and recently two tenants used Chase Quick pay to send rent. One for {$850.00} the other for {$1300.00}. I th I then received a text from XXXX saying the money would be deposited. 
I have never received the money and it is no a month. I have been in contract with both banks and have gotten the run around. Chase says it was sent to XXXX it was sent and XXXX says they never got it, in the meantime I am out {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have a foreclosure from 8 years ago still on my credit report that should have been removed due to the amount of time that has passed. The mortgage loan was through XXXX XXXX. The account has been closed for some time now. I would like it off my credit report. I submitted a dispute through Transunion to have it removed but they did not remove it.

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 12/31/2016 about Mortgage (Conventional fixed mortgage) with CARDINAL FINANCIAL COMPANY (NC).
Issue: Settlement process and costs

Complaint: I have submitted this complaint on my behalf. I initially obtained a " loan rate lock '' in XXXX 2016 which was to expire in XXXX 2016. The loan did no close, even after extensions of the rate lock and the closing hard scheduled by the XXXX ( Sebonic Financial, Cardinal Financial and XXXX entity ( ies ) ). The extensions where necessary because the " XXXX XXXX XXXX '' made late requests for information which had either already been supplied, or which was of no substantive significance to the loan or completion of closing. I believe these that these belated requests and ultimate failure to close the loan were intentional, to allow for the imposition of additional fees and/or a higher rate of interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I submitted the co-signer release document to release co-signers from my private loa ns. I received two letters o f correspondence stating both of my requests were unable to be granted and my requests were denied. I meet all criteria. I called the customer service line to dispute and find out what steps I should take to provide supporting documents to release my co-signers. I was told there is n't a person, underwriting department, or any other department that I could talk to about how to dispute. I was told to send a letter to dispute to a fax machine and someone may contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (TN).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: XX/XX/2017 {$13000.00} us bank cheat me im ask a o % interest in12 month and cash us bank give me different product i need help to fix this case 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