milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/25/2016 about Mortgage (Conventional fixed mortgage) with NETWORK CAPITAL FUNDING CORP (VA).
Issue: Application, originator, mortgage broker

Complaint: I was a home buyer that entered into a contract to purchase a home. The contract included an earnest money deposit of {$5000.00}, and was contingent on financing. I was a small business owner and worked with Network Capital ( NC ) because they told me that the age of my business would not be a problem. After I discussed my business with XXXX of NC I sent a follow-up email on XX/XX/2015 that confirmed the conversation. 

The lender proceeded to charge me for an appraisal fee of {$410.00} and in addition I paid for a home inspection fee of {$470.00} and surveying fee. The lender did not share that there were any issues with the loan until the day of closing, XX/XX/XXXX. NC surprisingly denied the loan on the day of closing because I was a small business owner and the bank was not comfortable with the age of my business ( about 1.8 years old at the time ). I also wish to add that I had excellent credit, 20 % down and no debt. I complained to the lender because the age of my company was not new information, and they even pre-approved the loan knowing this information. NC reviewed my application again and denied the loan a second time for the same reason. 

I have spent the last year pursing the sellers for my earnest money, which I did get back after a trial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I'm sorry I did not document the dates I contacted Chase Bankruptcy 's Department XXXX. It was a few times since the year XX/XX/2011. I asked them why they would not report my payments ( which were all timely ) to the credit bureau 's and I was told because I went bankrupt. I don't understand for I asked my lawyer not to include them in the bankruptcy. 

In my last conversation with them I asked them ; " If after the 10 year period, which is soon, will you report my payments then? 

They said no. In other words, forget about it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Mortgage (FHA mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I started a home mortgage through Homebridge Financial Services XXXX XXXX XXXX XXXX GA XXXX. They are extremely difficult to make payments through their automated phone payment system unless I set up an automatic draft which I don not prefer. I prefer one time ACH drafts as I need to control the date of payment each month as I need to insure funds are available. 
Their system makes it so difficult I had to wait through extremely long and irrelevent bot messages just to get to the phone payment. Then each and every month it looks like I need to re enter my checking account info as their system will not save the info. Other mortgage agenceis can and will do that service. But that 's not the worst of the experience yet. They also require you to enter the payment amount in dollars and cents from your phone keypad even though they now what you need to pay. I had so much trouble with this ( on my second time ever doing it ) that I ended up entering a payment of only {$12.00} when I really owed around {$1100.00} I didnt even get to figure out how Im supposed to do the decimal point on my phone keypad by the time I realized I started a whole other issue now with an XXXX payment. So then I hung up had to do it all over again and waited 20 mins before I could talk to a rep whose best case scenario was to delete my {$12.00} payment and was told I had to wait till tomorrow as the system will only allow XXXX pending transaction at a time. This is a terrible system I feel is designed to create difficulty in order to ensnare the consumer in fees and interest traps. Their phone number is XXXX try it you 'll see its not right. I would also like to add that I started this loan with Homebridge ( and I wont even get into that ) but after my first payment they switched me to XXXX ( who in comparison was exemplary ) They saved my info after the first time and I would call and be done with the process in 5 or so minutes doing one time ACH drafts from my checking account ( also due to less irrelevant bot messages ). Then for some reason I dont know they switched us back from XXXX to Homebridge just a couple months ago. Thanks for taking the time to read my experience with Homebridge Financial Services and I hope it helps them make changes to their system.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been receiving harassing and threatening telephone calls and numerous death threats from Enhanced Recovery Company representatives for a debt that do n't belong to me, I do n't owe and is the result from identity theft. The debt is from XXXX for {$530.00}. The debt is fraudulent. I am a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Portfolio Recovery Associates owns an account of mine purchased from XXXX XXXX, account # XXXX. They have listed this same account on my report twice once under Portfolio to XXXX and the other as XXXX XXXX to XXXX with variation of the same account number. I have disputed this several times and it has not been corrected. This has caused me to be denied for credit! Additionally, the instance reported to XXXX is factoring as an open account when it is a collection! This violates the FDCPA and because it does if it is not removed I will sue!

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: CFPB this has turned into an extended process in my attempts to have the Credit Reporting Companies to correct and remove incorrect and erroneous information. It has been my experience that the Credit Reporting Companies take turns in providing your Credit Information when an Inquiry is made. Trans Union and XXXX has removed the erroneous XXXX XXXX / XXXX XXXX information while XXXX continues to report and share the outdated information. I sent the XXXX XXXX Notice dated XX/XX/XXXX to all 3 Credit Reporting Companies with my response datedXX/XX/XXXX. Attached is the XXXX denial Notice for credit dated XX/XX/XXXX indicates that the information that was used was provided by XXXX. The some of information that was offered by XXXX is attached to the bottom of the Notice. I have never offered an explanation from any of the 3 Reporting Companies how or why the account could be closed for 3 to 4 years depending on which date is used for the closing of the account why or how payment activity was being reported from XX/XX/XXXX thru XX/XX/XXXX. Attached to that Notice is that erroneous information that continues to be shared and reported by XXXX when Trans Union recently removed the information while XXXX had long removed the history. Currently being reported by XXXX XXXX XXXX is an account that is 30 days past due when the account was closed in XX/XX/XXXX with a XXXX balance. After almost 2 years of payments when the account was closed even the XXXX and XXXX reporting show that the account was ok.XX/XX/XXXX XXXX XXXX XXXX started reporting that the account was 30 days past due. This type of erroneous behavior by the Banks must not be tolerated, first XXXX XXXX and now 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 04-06-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXXXXXX XXXX XXXX, GA XXXXXX/XX/XXXX XXXXXX/XX/XXXXThis complaint is about a barrier of communication with Wells Fargo Home Mortgage XXXX Since XXXX XXXXXX/XX/XXXX I have been calling XXXX XXXX, Executive customer XXXX XXXX XXXX with Wells Fargo Home Mortgage, and I could not find her. I left several messages and nobody called me to give me the status of my mortgage even my appeal or the status of my modification. I even called XXXX, an associate who is familiar with the case and she never responded to my calls. In a letter dated on XXXX XXXX, XXXX XXXX mentioned that the house was inactive foreclosure and there was no sale date. According to GA court record, the house is scheduled to be sold on XXXX XXXX, XX/XX/XXXX. 

I have submitted the requested paperwork which was the IRS Tax XX/XX/XXXX with schedule E showing the house was not rented for the year XX/XX/XXXX. This is the key item for the bank to approve the modification ... In addition, a termite bound and my driver license were enclosed for her review. I am still waiting for a decision to move forward and nobody care to call or to answer my question. I believe that it is a deliberate practice for denying my modification. Furthermore, Wells Fargo had received Tax Payers moneys to allow all american to receive a modification. The playing field has not been level since the bank made it so difficult to receive a modification. The people in my community complained about the banks practices to deny minorities modification to keep their houses. I am not alone in my neighborhood. This is not my XXXX complaint about Wells Fargo practices for ignoring my calls. It is with intent.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BYL Collection Services (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I applied for an apartment at XXXX but my application was denied for an apartment. I received a letter stating I was not approved. The apartment complex is saying I owe administrative cost because I was approved and did not move in. I have forwarded the debt collector my letter where I was denied and they continue to try to collect and the apartment complex wo n't remove the debt either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Trouble during payment process

Complaint: Ocwen Loan Servicing has reneged multiple times on both written and verbal agreements that we have had since Harvey flooded my home in XX/XX/XXXX. I have yet to receive a single cent from the advance or final payment from my structural insurance checks. The construction on my home is 75 % complete. The original written and verbal instructions stated that I was to hire the contractor directly and that Ocwen would endorse my advance check, return it to me for deposit, and I would pay the contractor directly. I have documented 16 phone calls over 4 months. On XX/XX/18 XXXX XXXX told me that they have all required paperwork and Ocwen will immediately cut a check for my receipts. Subsequently, and in repeated phone calls, I was told that the " exception '' was rejected and that a committee has decided to release only {$40000.00} to me. As of XX/XX/XXXX, not even that check has been sent, even though I paid extra, via personal check to expedite it.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Balance transfer

Complaint: Want to transfer my high balance of {$1900.00} to another account. Chase informed me it was not being " offered '' at this time, which does n't give me a choice in HOW I pay my account off.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other

Complaint: Dear XXXX, I have several accounts with Citibank , NA that were sold or charge offed in XXXX : - Sears XXXX -Citi XXXX -Citi Thank You Card All these accounts were settled in XXXX via a debt collection agency. I attempted to pay Citi directly but they refused because they apparently sold the debt to various companies. My complaint is for Citi to remove these charge offs from my credit report. These are the only delinquent items standing between me and a new home. My mortgage provider has stated these charge offs will result in extra interest fees through out the life of the loan. Not to mention, they also stated your chances of getting a new job, might be slim due to these charge off accounts listed on my credit report. I am asking for a simple request for Citi to remove these negative items off my credit report, so I can live stress free. These dark clouds from my past keep coming back, and Citi is the only company who does not help the situation. I have restored my credit and financial position since XXXX. Not to mention I have been a Citibank client since XXXX and will continue to do so. Please help me in my quest to get a new home. Have a good day and thank you for listening.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (Credit card) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They constantly call me all the time asking me to pay my bill I can be XXXX days late if I run behind they call my mother passed and they constantly call every day all the time geezzzz it is very frustrating and annoying I owe them total of XXXX on XXXX different accounts it is saffff

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Private student loan debt) with NELNET, INC. (TX).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: I keep regular contact with my student loan debtors and they have all my updated contact information however, of late I've had severe financial duress and was XXXX for a whole month with the recent XXXX going around, so I had to put them on hold. I've since sent them the required documentation for IBP. 
In the mean time, on XX/XX/2018, at XXXX in the morning, Nelnet called my elderly father who is XXXX, XXXX, XXXX, and very XXXX XXXX XXXX. That phone call almost sent him to the emergency room. Nelnet called him to get my updated contact information, which they already had, and he thought there was some emergency. He though I was in some hospital XXXX. No one calls anyone at XXXX unless it is an emergency! He doesn't give out anyone 's personal information over the phone, so they called him in vain. They did cause him a great deal of distress. After that call he immediately called me to see if I was okay. 
( NelneXXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX, Fax : XXXX ) Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed the information you listed on my report : XXXX XXXX XXXX - I have never paid late this account, insurance paid late, please remove late status

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 07/22/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit determination

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA - XXXX Bank of America, XXXX XXXX XXXX, XXXX XXXX, TX XXXX Re : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX and XX/XX/XXXX Dear Bank of America, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX 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 07/23/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received my consumer report from Chex Systems and upon reviewing my consumer report, I discovered some unauthorized and fraudulent inquiries listed on my consumer report. The following inquiries listed on my consumer report are unauthorized and fraudulent : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XXXX XXXX, XXXX Dear Consumer Financial Protection Bureau, I have XXXX loans with PHEAA and have paid $ XXXX monthly for 8 months ( since XXXX XXXX XXXX as part of the PHEAA Defaulted Student Loan Rehabilitation Agreement. 

PHEAA stated in the Student Loan Agreement Letter that they would not charge me more than 16 % interest in the PHEAA Defaulted Student Loan Rehabilitation Agreement ( please see Bullet XXXX attached ). 

However, PHEAA has continually been charging me 18.5 % interest or more on all XXXX loans. 

I have sent PHEAA emails and letters showing this 18.5 % error and calculating the correction, yet PHEAA has never contacted me, addressed my letters, nor corrected their mistake in applying excessive interest towards my XXXX rehabilitated loans. 

I write to resolve this situation and correct the Loan Interest to the agreed 16 % or have PHEAA delete the interest due altogether. 

Thank you for your extraordinary work. 

Respectfully, XXXX XXXX cc : XXXX Colorado

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: As a private citizen I was caught up in the extensive recession as millions of other American citizens were. I eventually paid off all of my debt after obtaining another job. XXXX XXXX XXXX shows a balance of {$150.00} on my account that they initially charged off for {$1200.00}. However, once XXXX XXXX XXXX accepted my payment that standard of the debt can no longer be that of a " Charge Off ''. This is the guideline under FDIC Rule 5000. Now if XXXX XXXX XXXX is owed a balance, I request an updated statement or invoice. I will pay the balance immediately. Upon that time of payment, I demand that the Rule 5000 interpretation apply and that all references to " Charge Off '' be eliminated, and that the timeline for deletion be narrowed to the 7-year period of the account 's first late payment. XXXX XXXX XXXX is essentially holding my credit report hostage for a simple payment of {$150.00}. Once the balance is paid, the " Charge Off '' standard has been eliminated legally and permanently.

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 04/21/2017 about Payday loan () with Monterey Financial Services LLC (TX).
Issue: Charged fees or interest I didn't expect

Complaint: Been getting harrassing calls fr om Monterey Financial Collections ab out a debt I have no idea about. They put it in collections without ever sending me anything in the mail to prove to me I owe anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
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 a mixed credit file with another family member. XXXX and XXXX have removed the Public Record but XXXX and Transunion refuses to call the Court House to investigate. Numerous inaccuracies exist including wrong address, No  dollar amount, wrong District for Bankruptcy and furthermore they say it happened on my birthday. Please remove this from my 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