milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I 've been trying to get The Bank of New York Mellon to honor this agreement with your office. The Bank of New York Mellon and its attorneys have refused to offer me an affordable modification under HAMP, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. The Bank of New York Mellon never notified me of being in default nor have they sent any notice of acceleration. I have not received any statements as to who to pay from my original lender. The state court is fully aware the assignment is fraudulent ... because it was created and prepared by The Bank of New York attorney who is representing them in State Court. What is the purpose of the Consent Orders in XXXX, XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller? What good is the Consent Order agreement if it is intended to be teeth less?

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 03-09-2017 about Mortgage (Conventional fixed mortgage) with HOME AMERICAN MORTGAGE CORP. (CO).
Issue: Settlement process and costs

Complaint: We did not buy a XXXX XXXX home because it was in shambles 2 days prior to closing ( on XX/XX/2017 ). XXXX XXXX XXXX, Home American Mortgage proceeded with the loan without our knowledge. We just received information from the credit bureau ( attached ) that we have an outstanding loan from Home American Mortgage for {$630000.00} processed on XX/XX/2017. We did not buy this home. We did not go to a closing. We did not sign any paperwork. 

Additionally, XXXX is refusing to return our {$14000.00} in earnest money. This home was in shambles two days prior to closing. It did not have finish plumbing, there was severe drywall damage throughout the home especially in the ceilings, drywall mud scattered everywhere including carpets and hardwood, whole doors were missing, electrical was missing, there was no Certificate of Occupancy from the City of XXXX. We know that this home had many other problems so we told them we would not purchase the home. 
We desperately need your help. 

Thank you, XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Citimortgage reported my payments as 90 days late on 7 dates and 30 days past due on one date. This was n't the case on even one date. I was supposed to be on an extenuating circumstance plan and paying only interest due. Unfortunately, they 've false reported 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 explanation
Consumer complaint received 04-01-2017 about Consumer Loan (Vehicle lease) with Westlake Services, LLC (FL).
Issue: Problems when you are unable to pay

Complaint: I was leasing a car, and it was paid it off within 2 weeks.But its still show open on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (Medical) with Capital Accounts, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/2017 I received a letter stating I owe {$110.00} for a medical debt. On XXXX/2017 I received another letter stating that my debt is delinquent and the amount is now {$110.00}. The original debt is {$59.00} that was cashed on XXXX/17 by the original company. Not only are they sending out letters but the amount of the debt continues to go up. I no longer owe on this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Payday loan debt) with National Check Resolution Inc. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: National Check Resolution Inc . 
XXXX XXXX XXXX had represented in XXXX XXXX that they were a sovereign entity ( XXXX lender ) wholly owned and operated by the XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX. The impression is that the company is licensed to do business in states where they have no license, as they are not subject to the state laws. This was sent to Washington XXXX which returned a decision that only the original {$1000.00} needed to be repaid, no fees or interest. Contact from National Check Resolution started XXXX XXXX, XXXX. With 2 calls : home ; XXXX am and Cell ; XXXX am. XXXX XXXX, XXXX 2 more calls : Home ; XXXX am and Cell ; XXXX am. XXXX XXXX, XXXX another call home ; XXXX XXXX. That is 5 calls in 3 days. They are claiming that the loan is valid, and have stated that, " the client has stated that you still do not respond to several notices that were sent to your residence. The file has been forwarded to our office for final recommendation prior to being processed on ( First was XXXX, Second was XXXX ). You do have a legal right to resolve your case. If you choose, yourself or your attorney can contact our claimants office at XXXX. '' On this I am not sure as to what the processing would be, and the second is that the records, if indeed a case might be, are not kept properly. This to me appears a scam as to the two different days as well as the threat of processing. Also to note, the last notice regarding anything on this was from Washington State XXXX as to XXXX XXXX not having a valid license in Washington State, and the amount to be repaid could not exceed the {$1000.00}. So as no notices, and the fact of the different dates, I do believe this may be a Phantom Collection. 
I have verbally told them not to call again until I get the Validation letter in the US Mail. They in return told me they would call back XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I made a deposit at a Chase ATM on XX/XX/2017 in XXXX, CA for {$900.00} and the ATM only credited me {$800.00}. On XX/XX/2017, I withdrew {$500.00} to only receive {$280.00} from the same ATM in the same city. So in total I was shortchanged {$320.00} from XXXX different transactions that occurred from the SAME ATM. I expect a credit fo {$320.00} as this is in no way acceptable. When I deposit money at an ATM, I expect to receive no less than the amount that I deposited. Therefore, I would like a full credit for {$100.00} on the XX/XX/2017 {$900.00} deposit and {$220.00} for the XX/XX/2017 {$500.00} withdrawal. I do not know what is wrong with this ATM but I demand the {$320.00} be credited back to me ASAP as explained previously.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-05-2018 about Mortgage (VA mortgage) with TOWNE MORTGAGE COMPANY (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On or around XX/XX/17, we initiated a no-cash-out refinance application with Towne Mortgage. Since I am a XXXX veteran, and on a fixed income, I only wanted to reduce my mortgage payments by eliminating the PMI on our current conventional mortgage. We have been waiting on a closing date since XX/XX/XXXX, and have now been advised that we will be denied for the refinance due to ONE late mortgage payment. We were given the opportunity to explain the late payment, which was caused by clicking on the wrong date on the website when setting up a payment. We have had the home inspection, provided the appropriate documentation and other subsequent documentation. We feel that the denial reason that Towne is giving us suspect and feel they are engaging in discriminatory practices. Why would they schedule a costly home inspection without everything else being In order? Doesnt seem like a reasonable business practice ; why allow us the opportunity to explain the late payment if the explanation would be discounted? Please investigate and to why this refinance went sideways.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (MT).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company PNC Mortgage is taking out more than the 110 % projected cost in my escrow account and refuses to address this issue despite multiple attempts to discuss this with them. Per Montana law 71-1-113, an escrow company can not reserve more than XXXX % of the amount needed to pay expenses. PNC mortgage bought my mortgage from another company and since they took over they have continued to say I have a shortage every year and increase my monthly payment every year. They are taking out more than the XXXX % allowed by law. I have tried to address this with them multiple times, both by phone and email. They refuse to address it and take about XXXX months to respond every time I contact them. I have made at least XXXX attempts to contact them via phone, even leaving messages with their supervisor. They only respond by sending me the same letter repeatedly. I have attached our email correspondence. Below is a copy of Montana law 71-1-113 : " Limit on the amount of funds on reserve. Except as provided in 71-1-114, if a lending institution requires a borrower under a mortgage or trust indenture of real property to include in the borrower 's regular payment additional payment into a reserve fund held by the lending institution for the future payment of property taxes, insurance premiums, and other expenses, the amount of funds on reserve may not exceed XXXX % of the projected amount needed to pay those expenses. ''

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have had an outstanding balance on my credit report over the years which I never even used. My credit has been used by somebody in my family which I have never figured out. The issue has never been resolved and I ca n't do anything because my credit been like this over the year. I have a outstanding balance of electricity and loans taken out which are not from me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX pulled my credit without my authorization and permissible purpose. 
I have attached documentation. I need this 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 06-06-2016 about Other financial service (Credit repair) with Simple Solutions Credit & Debt Consulting Inc. (MD).
Issue: Customer service/Customer relations

Complaint: Previous [ Case number : XXXX ] XXXX XXXX lied and said I had the wrong company and I am getting all parties XXXX involved this woman lied to a federal agency and I want my money back. I am going to be in touch with President Obama 's office and the Consumer Protection Bureau to also follow up on my case. 
XXXX XXXX of Simple Credit Solutions, told me over the telephone that she could delete XXXX accounts for me for {$800.00} and she did not fulfill her obligation. Also on my previous complaint she lied to the Consumer Financial Protection Bureau and told your office she was not the creditor who they provided services for and she has also forged all documents and information about what she did for me on my credit report and no items as she promised go deleted. I am asking that the Consumer Financial Protection Burea make her pay me back my {$800.00} and impose a fine on this company for lying and falsify information saying I had the wrong company which is a complete lie. XXXX XXXX gave the same fasle information the the XXXX who does not regulate credit repair companies. Before I contact XXXX the President to get action done I want my money back. 
This company has lied to you a Federal Agency and this has gone on long enough. 
This is there information below : XXXX XXXX XXXX, XXXX Professional Speaker, Consumer Advocate and Author Simple Solutions Credit & XXXX Consulting Inc XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX 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 06/16/2016 about Debt collection (Payday loan) with AFNI INC. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a loan on my credit report that has been sold to AFNI from a company called XXXX XXXX. I contacted AFNI and asked for information on the account because I do n't have any knowledge of the account. The representative could not provide me with any information except for the date it was opened and from where it was from. I asked for the original contract and the representative told me they did n't have it because I wanted to find out who did this. I advised the agent that I had been incarcerated in XXXX prison since XXXX until XXXX and at the time among other accounts this was not mine. I have sent a letter to them but need to file a complaint in reference to someone opening this account and a bank account w/o my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STERLING JEWELERS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a bunch of hard inquiries on my credit report that should not be on my credit report because I did n't authorize them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Consumer Loan (Vehicle loan) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Taking out the loan or lease

Complaint: I have account on my credit profile from XXXX and XXXX on these accounts that on my credit the reporting agency is n't reporting accuracy on my profile.why is n't the credit bureau made to obey the laws their not above the laws they supposed to be governed by the laws If the fair credit reporting act 609 states that account should be 100 % accuracy why is these bureau allow to keep things on a person file that causing hardship in my life I been turn for employment due to the negative impact on my credit I feel I 'm being discriminated against due to in accurate information that being reported

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 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian is showing the XXXX XXXX XXXX/XXXX account as closed and should therefore be removed from the account. Furthermore, it is showing as having been showed to XXXX XXXX. I have never received documentation about this account being sold.

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 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is reporting to the credit bureaus that i am 30 days late. The account is not late and the reporting needs to be corrected. Per the credit bureau the account is late for XXXX, XXXX, XXXX and XXXX. Per XXXX XXXX XXXX records i have made payments before the 30 day mark. My account is due by the XXXX of each month 1 ) XX/XX/XXXX received {$1200.00} to satisfy XXXX payment 2 ) XX/XX/XXXX received {$1200.00} to satisfy XXXX payment 3 ) XX/XX/XXXX received {$1200.00} to satisfy the XXXX payment 4 )  Not sure how XXXX can be marked as late when the month of XXXX is not over yet My account is due on the XXXX of each month, as you can see we are not 30 days late, we are close to the 30 day mark, but it is not 30 days over. I am requesting that the credit bureaus be updated to reflect payment on time. My mother in law has directly paid the mortgage since XX/XX/XXXX and somewhere a payment was missed. In XXXX, i will be making a double payment to ensure that we are not so close to the 30 day mark.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Other debt) with ERC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The credit agency representing  XXXX  has violated the FCRA by not providing signed documents to me in regards to this debt. I have no knowledge of this creditor and have not received anything that pertains to this debt.This s unverified and immediately needs to be deleted from my all credit files. :  XXXX ,  XXXX  and  XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertains to this debt. If ERC does not have any documentation, they need to retract this from m credit file immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Mortgage (Conventional fixed mortgage) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company put on my credit report that I was 31 to 60 days late on my house payment. They did the same thing 3 years ago. I had proof then and I have proof now that I was NEVER 30 days late, let alone 31 to 60 days late. 
I called and they supervisor I spoke with was very rude to me about it. I stated I had proof and she refused to take it. She told me to write her a letter and then they would consider that matter but until then I 'BETTER MAKE MY PAYMENTS ' or she will make sure she continues to put negative marks on my credit report. 

Last time this happened I had to file a complain and call the corporate office to get it off my credit report. I paid my account then and now, I was never 30 days late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: I was banking with wellsfargo for years. I would withdraw money from my account because I thought I had money there and if I did n't they were still giving me the money and charging me outrageous fee 's. I had online banking but i did n't always check the account because i have been XXXX in and out of the hospital.

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 07/29/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (SC).
Issue: Shopping for a loan or lease

Complaint: I did not give permissable authorization for XXXX XXXX to request my credit report for a vehicle loan nor did I need financing from Wellsfargo Dealer Services. The action taken by this company is fraudlent and I hereby warn and give orders to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a XXXX dollar from this affliation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Debt collection (Credit card) with Hunt & Henriques (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I sent payment through my bank online. Informed XXXX from Hunt and Henriques that payment was sent and that it might take 5 days for them to receive. She calls me and leaves me a message that payment has not been received. I checked my online banking and it says payment is " paid ''. I also printed out a proof of payment. Called and spoke with XXXX again to let her know that my checking account is reflecting the payment has been paid and asked her to double check. She says she does n't see payment has been paid and does't double check. I ask her again to check, She insist she does n't see it and to call back later to check again.

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