milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2018 about Mortgage (Other type of mortgage) with HABITAT FOR HUMANITY INTERNATIONAL, INC. (TX).
Issue: Trouble during payment process

Complaint: I have received a past due notice for XXXX dated XX/XX/XXXX. The postmark for this notice was XX/XX/XXXX. The payment was sent via cashiers check on XX/XX/XXXX. 
I have submitted several requests to this office to correct assessed fees to my mortgage account, I am told I must meet in person to discuss my issues. Under RESPA that is not a requirement. Fees were assessed to my annual mortgage account, however I have paid my mortgage on time for the last 26 months. I received an annual audit XX/XX/XXXX that assessed over XXXX to my account in which needed to be paid in ten days or my mortgage would go up. 
On XX/XX/XXXX this Office sent me to foreclosure over a held payment because I did not walk my payment in, rather sent it from my bank. I requested notice of cured debt twice only for this office and their attorney to ignore it. On XX/XX/XXXX I reported this office the Texas Attorney General after they repeatedly reported my mortgage in default 90 days until XX/XX/XXXX when it was abruptly removed after my complaint. 
I am requesting corrections to my mortgage account as well as an itemized statement showing payments to escrow, HOA fees and principal payments, not a summary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with STATE FARM BANK, FSB (PA).
Issue: Fraud or scam

Complaint: VERY BAD PEOPLE 'S PHONE XXXX CALLED XXXX/XXXX/XXXX TOOK {$850.00} FROM STATE FARM CREDIT CARD 1 THEY SAID ( XXXX ) THEY WERE GOING OUT OF BUSINESS WANTED TO REFUND TO ME MY MONEY {$400.00} 2 TOOK OVER MY COMPUTER TO GIVE FINAL CLEANING 3 NEXT WANTED CREDIT CARD INFO TO CREDIT ACCOUNT {$400.00} 4 THEY SAID CARD WOULD NOT TAKE HAD TO GO TO BANK ACCOUNT TO RETURN {$400.00}. 
5 WHILE WE WERE DOING THAT THE TOOK {$850.00} FROM MY STATE FARM ACCOUNT 6 IN THE MEANTIME THE SHOWED ME THAT THEY PUT INTO MY ACCOUNT ( BANK ACCOUNT {$600.00} ) THEN THEY TOLD ME TO GIVE THEM BACK {$500.00} SO THAT I COULD GET BACK MY {$400.00} I SAID NO JUST PUT EVERYTHING BACK AS IT WAS HE THEN TOOK ALL OF MY MONEY FROM ALL OF MY BANK ACCOUNTS AND THAT IF I WANTED IT BACK TO GO TO XXXX XXXX AND BUY {$400.00} WORTH OF GIFT CARDS I SAID NO HE THEN SAID I WAS A MOTHER XXXX AND THAT HE WAS KEEPING MY MONIES AND HE WAS TO FREEZE MY COMPUTER. I SAID DO WHAT YOU HAVE TO DO I HUNG UP AND UNPLUGGED MY COMPUTER. 

8 I CALLED STATE FARM CANCELLED MY CREDIT CARD 9 I FIGURED OUT THAT THE MONIES WENT THROUGH XXXX XXXX I THE CALLED XXXX XXXX THEY COULD NOT STOP THE TRANS ACTION BUT THEY GAVE ME A REFERENCE NUMBER ( CASE NO ) XXXX TO GIVE TO THE STATE POLICE AND STATE FARM. I DID SO. 

10 WHEN THE MONIES POSTED I CALLED STATE FARM TO MAKE A DISPUTE XXXX/XXXX/XXXX XXXX XXXX NUMBER IS XXXX # XXXX THERE TRANS ACTION NUMBER

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: M & T mortgage is billing me for things, increasing my payments then charging me late fees. M & T stated my home owner insurance lapsed due to lack of payment. My insurance agent stated it did not lapse. My payments are done thru escrow so it is paid by the mortgage company. If it was n't paid then they did n't pay it. My insurance agent says it was paid and never lapsed. I did change insurance providers thru my agent for a better rate and additional coverage. 
M & T charged me {$4300.00} for lack of insurance then did a partial refund of {$2900.00}. They have done escrow assessments every 2-3 months ( this seems excessive is n't that once a year? ) increasing my payments every 2-3 months so my auto payments are short. Then, M & T does n't apply my payments since it is not the full amount and holds it in " suspense balance '' then charges me a late fee of {$470.00}. 
I have called repeatedly to resolve this. I get a different person every time and I am bounced from department to department with no resolution after days and hours on the phone. 
I think M & T has questionable practices making money on this repeated escrow assessment increasing payments, billing me for insurance I have and charging late fees on the payment increases they incurred. And I can not get it resolved so I keep getting charged more. I need help with this. I would like M & T investigated for these practices and a refund. So far I do not believe I have been reported to the credit bureau but that is a concern as well ... that they will ruin my credit rating

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'm filling a complaint because I have an American express account I did not open, it is a result of identity theft or fraud. my wife opened the account without my consent or knowledge and when I found out and asked her to give me the logins an passwords she created for the account to access the account she refused, and she set the account up to get paperless billing sent to her private email address witch she also refused to give me access to. I called American express and notified them of the identity theft by my wife and asked they close the account witch evidently they did not and are continuing to send letters saying my account is past due, And stating my credit score as reported by XXXX has downgrade from XXXX to XXXX as result of pass due amount owed on this account witch I did open.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Dealer Funding, LLC (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Ive tried to contact XXXX XXXX XXXX ( formally dealer funding ) and they 've denied my request. To Whom It May Concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that a late payments was reported on [ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX ] for my account [ loan  account number XXXX ]. 

During that time, my mother fell terminally ill, and I was the only one left to care for her. As such, I had to leave my job, and my savings went toward her healthcare expenses. I fell on very rough times after she passed away, and was unable to make my car loan payments. 

I realize I made a mistake in falling behind, but up until that point, my payment history with you had been spotless. When I was able to gain employment once again, I quickly resumed paying my student loans, making them a priority. Then i was hospitalized for a few weeks and it cause me to lose another job. 

I 'm not proud of this black marks on my record, its 5 of them, and I would be extremely grateful if you could honor this request to remove the lateness from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score. rebuilding my future. 

If the lateness can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment. 

Thank You.

Company response to consumer: Untimely response
Consumer complaint received 01-05-2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (IL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: On XXXX XXXX, XXXX, Citibank placed a block on my account due to a negative balance. In the evening on XXXX XXXX, XXXX, Citibank removed the block from my account. Earlier in the afternoon on XXXX XXXX, XXXX, XXXX attempted to process my mortgage payment but due to the block it did not go through. As a result, XXXX reported me to the credit reporting agencies as paying my mortgage 30 days late and my credit score decreased 168 points. I subsequently filed a CFPB complaint against XXXX, to which XXXX XXXX Executive Office responded that they would suppress their XXXX XXXX credit reporting IF Citibank will provide a letter confirming that the block was removed from my account on XXXX XXXX, XXXX. Citibank has confirmed via telephone that the block was removed on that date, but my request for documentation of the oral representation has been denied. This is a very simple matter that could be easily resolved if Citibank would issue the requested letter, at which point XXXX would suppress the XXXX XXXX credit reporting and my score would rebound. I would sincerely appreciate the assistance of the CFPB, as I am currently being ignored by Citibank.

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 05-04-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: My BofA checking account statement ending  XXXX / XXXX /  XXXX   had a {$14.00} service fee. Because I have over {$5000.00} in an IRA with the bank, my fees are supposed to be waived, and had been in the past.     I called and talked to  XXXX  at  BofA  on  XXXX / XXXX /  XXXX  . She agreed I should not be charged and credited my account {$14.00} which was deposited that day. I clearly stated that besides the refund, I wanted the root cause of the problem taken care of so I would not have to waste my time again in the future.     The cause was not found and fixed because on my next bill ending  XXXX / XXXX /  XXXX  , I was charged another {$14.00}.     I want Bank of America to conduc t RCCA (  Root Cause Corrective Action ) to address this problem once and for all. I would be surprised if this problem has not effected other account holders.

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 monetary relief
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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: On XXXX XXXX XXXX I sent Transunion a certified letter demanding the company disclose to me all of the documents they have recorded and retained in their file at the time of my request concerning the listing of XXXX XXXX XXXX/XXXX account numers XXXX, XXXX, XXXX, XXXX, on my credit report. The company willfully neglected to address my concern and continue to report the erroneous item compromising the integrity of my credit file/credit score. The company neglected to provide me any documents or any response pertaining to the above listings. Instead on XXXX XXXX XXXX I received a generic response via mail that blatantly disregarded my request and addressed other accountsI disputed advising me my request had been verified. Unfortunately I am still without any documentation that would substantiate their claim or any paperwork that would give them any right to report this incorrect information. I am requesting the items be removed from my report immediately.

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 09/14/2017 about Student loan (Private student loan) with DISCOVER BANK (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I was automatically deferred for repayment by enrolling in a college that participates in the nation student loan clearing house. As a result of my deferment, the private lender, Discover Student Loans, removed a 0.5 % interest rate deduction I was receiving for on-time payments. I called the lender today ( XXXX/XXXX/XXXX ) ( after a secure message sent on their website on XXXX was not responded to XXXX to remove the deferment ( since I did n't want to be in deferment anyway XXXX and to return my account to repayment status, however, because of the way their system works, this repayment status wo n't take effect for another XXXX months in XXXX, therefore the XXXX % interest rate reduction wo n't be in effect until after that XXXX date. My interest is capitalized into the loan after deferment ends, so as a result of no action of my own ( since this was triggered by an automatic process XXXX, they removed a loan benefit from my account and will not restore it promptly, causing me financial loss as a result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/25/2017 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: Information belongs to someone else

Complaint: Please see the attached PDF.

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 02/16/2017 about Credit card () with CITIBANK, N.A. (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My husband died from XXXX almost two years ago. He dealt with everything financial during our 40 plus years marriage. After his death I discovered he opened some accounts in my name. Once such account was a CitiBank Credit card. I diligently disputed all fraudulent accounts under the FCRA with the credit bureaus and filed multiple complaints with the CFPB. Thankfully all the matters were resolved. The CitiBank card in question was removed from my XXXX credit report on XXXX/XXXX/2015. For some unknown reason, Citibank just assigned the same card to XXXX XXXX to collect, who has been attempting to collect the debt. I previously completed and uploaded a Federal Trade Commission Identity Theft Victims ' Complaint and Affidavit, which was signed at the XXXX County ( Maryland ) Police Station located at XXXX XXXX XXXX XXXX XXXX, Maryland 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 02/26/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am applying for Public Service Loan Forgiveness and my lender is XXXX XXXX. Up until my XX/XX/XXXX billing statement, the PSLF payments made on my account were between 11 and 22 payments for each loan. As of my XX/XX/XXXX billing statement, my PSLF payments were reduced to between 4 and 6 payments. I contacted XXXX XXXX in XX/XX/XXXX and the agent wasnt sure what had happened. The XXXX rep assured me that a review of my account would be done. Its now the end of XX/XX/XXXX and I havent heard back from XXXX XXXX and my PSLF nimberbif payments hasnt been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIZENS FINANCIAL GROUP, INC. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Citizens One Home Loans which commenced in XXXX 2016. The mortgage amortization schedule was incorrect established at inception which they acknowledged. However I believe they made errors when recasting and adjusting the payments which caused inaccuracies in my 2016 YTD principal, interest and escrow balances. I have been trying to obtain resolution for several weeks but despite several requests for them to review my 2016 payment profile, they have not yet responded. Most recently I have been in touch with XXXX XXXX in the Chairman 's Office, who promised to get back to me within a few days, but over 2 weeks later I still have not heard back despite calling him on 2 further occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Payday loan, title loan, or personal loan (Installment loan) with Duvera Billing Services, LLC (CA).
Issue: Charged fees or interest you didn't expect

Complaint: My wife and I used a company called XXXX XXXX  to rebuild an engine on our vehicle. Because the amount was more then we could afford to pay up front, XXXX XXXX  suggested we use their finance company called XXXX XXXX XXXX. I applied for the credit on XX/XX/2018 and was approved for the 90 day same as cash. Yesterday ( XX/XX/2018 ) my first payment came due for XXXX XXXX to withdraw the agreed amount from my bank account. At XXXX I received a text stating they need my help regarding a returned payment. I called them back and they said because I gave them the wrong debit card number I no longer qualify for the 90 same as cash. The card number was correct except the very last number instead of a XXXX it should have been a XXXX. I did not fill out the information on the application it was done over the phone with the guy from XXXX XXXX. He told me he already had my correct debit card number because I gave it to him to pay for the application fee. I also have two receipts showing that he had the correct debit card number because he used it to charge a {$500.00} deposit and to run the {$90.00} application fee. He then emailed the contract for me to review and digitally sign, which I did. However I did not see the mistake when I reviewed it. I knew nothing about the input error and have tried to correct it. I have talked to three different people people at XXXX XXXX XXXX and they refuse to honor the 90 same as cash.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Debt collection (Mortgage) with Shapiro, DiCaro & Barak, LLC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Shapiro, Dicaro & Barak was sent a notice demanding validation of a debt on XX/XX/XXXX via mail and personal service demanding Shapiro, Dicaro & Barak validate the alleged debt they are collecting on. Shapiro, Dicaro & Barak refuses to validate the debt. After carefully reviewing the documents they submitted to the court. I have uncovered new information and extensive fraud in the alleged debt/ account Shapiro , Dicaro & Barak are alleging belongs to i. Shapiro XXXX Dicaro & Barak presented documents that have serious issues of fraud and violates the false claims act, T.I.L.A, FDCPA XXXX XXXX, Frauds and Swindles. Due to Shapiro, Dicaro & Barak misconduct and dishonest practices, i have lost {$15000.00} over a time period from XX/XX/XXXX to present. And my grandfather and husband who are also aware of this fraud, have incurred health challenges as a direct a direct result of this company and their continued trespass and false representations.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY).
Issue: Fraud or scam

Complaint: I created an ad on XXXX looking for a room. Someone named XXXX responded back stating he had a studio and to send his uncle ( who supposedly owns the home and lives in XXXX Illinois ) {$280.00} for this month. We were then supposed to meet up in XXXX to sign the lease ( I can provide the address ). I kept calling him and no answer. I called MoneyGram Customer Service and they said it was too late and they took all my money and there was no point going back to the store called XXXX XXXX XXXX XXXX XXXX where it was purchased. Grand total was {$300.00} w/ fees.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Application, originator, mortgage broker

Complaint: I obtained all XXXX of my credit reports and my XXXX credit report shows a 90 day late payment, dated XXXX of XXXX. This is XXXX XXXX so this information is 7 years and two months old. As per the Fair Credit Reporting Act, my rights as a consumer are that a consumer reporting agency may not report negative information that is seven years old. I was denied for a conventional home mortgage due this piece of information that is not even supposed to exist on my credit report, as of 2 months ago. I need to have this remedied and appreciate your help. Thank you, XXXX XXXX XXXXXXXXXXXX

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 04-12-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have tried on multiple occasions over the past year to get an income based repayment plan set up in which Navient has told me that I do not qualify. I have also tried to get my cosigner to be removed so that I would qualify since they are not paying back any of the loan. Navient has told me that I can not have her removed and combined we make too much. 
I recently ran into some medical expenditures and tried again. I spoke with a woman who informed me that I have qualified in XX/XX/XXXX and it is not XX/XX/XXXX. She then went on and played a forbearance message for me which I did not agree to. I told her I do not want to forebear but lower my payments due to income. She had her manager come over and fix the recording and played an income one which I agreed to for the amount of around {$170.00} a month. 
A couple of days later I received an email saying that I still owed a payment for the month even though they needed a payment upfront. I thought it was odd but they explained it to me as I was to pay more this month to get the lowered payments for the next 14 months. I received another email saying that my income based payment plan was going to be {$160.00} instead. I thought that was great! Knowing what they had told me over the phone I checked to see if my additional payment for the month was going to be lessened as well. When I looked it said I was in forbearance!!! I had specifically asked to ensure I would not be in forbearance and I did not agree to be in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted a dispute on all inquiries that were done as a result of identity theft. Equifax replied back on the investigation stating " Inquiries are a factual record of file access. " I am requesting that Equifax contact the companies to verify the information. I have sent requests to the companies prior to disputing and never received a response back from the companies.

Company response to consumer: Closed with explanation