milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/23/2015 about Mortgage (FHA mortgage) with Southwest Business Corporation (TN).
Issue: Credit decision / Underwriting

Complaint: I applied for a FHA/HUD loan with SWBC Mortgage, XXXX, TN. I submitted all paperwork and documentation to receive a pre-approval, GFE, and loan was sent to underwriting after submitting a letters and other documents to processor. I was called on XX/XX/XXXX by loan officer XXXX XXXX and was told that loan was denied because of statement in letter regarding " why '' I amended XX/XX/XXXX taxes. I stated it was the request of a former lender ( XXXX ) in which I did not close on foreclosed home. I scheduled a meeting with XXXX and his supervisor. I was informed that I was committing fraud and falsifying documents. I informed SWBC I did nothing wrong. I do not know anything about their industry as I am ignorant to the lender/mortgage industry. I 'm working on becoming a XXXX time homeowner. I did what the lender requested of me. I asked that they call FHA/HUD while in their presence to verify what was stated and amendment of taxes is illegal and verifiable reason for loan denial. Unfortunately, XXXX ( FHA/HUD customer service line ) stated only an underwriter can speak with HUD underwriters to get the information. Also, I requested the SWBC 's underwriter to send me documentation of the information as I may have to retain an attorney due to the implications of fraud ( me and/or lender ). I was told by XXXX supervisor that XXXX underwriters of SWBC have denied the loan. I 'm still awaiting the denial letter from SWBC Mortgage and the information from the underwriter that verifies I have committed fraud via FHA/HUD policies and they have the right to deny me the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I sent in a large payment ( {$13000.00} ) XX/XX/XXXX with a note stating how the payment is to be allocated since Navient ( XXXX ) does not allow you to allocate payments to certain accounts online. I also emailed them stating how to allocate my payment. This should have paid off in full XXXX loans. They did not allocate the money correctly. I have called every month and they are still incorrectly allocating my money ( now XX/XX/XXXX ). I have received XXXX letters stating these loans have been paid in full yet Navient has yet to actually show they are paid in full. Beyond frustrated that their system does not allow me to dictate how my payments are allocated if made online through their site. Their supervisors " fix '' the problem but my next month bill shows balances. It has been a never ending circus trying to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Mortgage (Conventional home mortgage) with FAMILY FIRST FUNDING LLC (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I refinanced with Family First Funding LLC on XX/XX/XXXX and was told not to make a mortgage payment for 2 months and expect escrow of about {$4000.00}. On XX/XX/XXXX the old mortgage company XXXX XXXX deducted my payment from my account. Contacted XXXX XXXX and was told that XXXX XXXX XXXX had sent the payoff on XXXX/XXXX/XXXX to XXXX XXXX, but XXXX XXXX had not received it as of XXXX/XXXX/XXXX. I was directed to XXXX XXXX XXXX XXXX and the agent told me the money had been " intercepted ''. Upon questioning I was told that because of my name and background and religion the money was " intercepted '' and had to be checked out. Then in mid-XXXX XXXX XXXX XXXX once again takes out my old mortgage payment because they still have not received the payment. I stopped the payment. At the end of XXXX XXXX XXXX reported that they had received the payment but because of late fees and penalties my escrow was only {$1500.00}. Meantime XXXX XXXX sold the mortgage to XXXX XXXX. I made my XXXX XXXX mortgage payment but received a letter from XXXX that the company had shorted the escrow and that I owed an additional {$960.00} in interest and penalties. Every agency tells me that there is nothing they can do and will not speak with my any more.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been trying for 2 yrs with this account XXXX. on my credit report I have never had a XXXX account in my life. 

Also Acceptance now is showing false original blance my total what I purchase was only XXXX so where did balance XXXX comes from I had insurance if I had gotten sick. that 's consider fraud with company.

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 02/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: I was an XXXX for a company and 17 months after starting with them. They ran a credit report on me without telling me an without my authorization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I tried to lower my monthly payments based on my salary and working for a XXXX. Navinet would only give me a forbearance and added on more interest. Unwilling to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am very concerned with how my payments have been applied to my student loan account with navient. I have paid over XXXX back on a balance of XXXX and still have a balance of XXXX. I also have concerns about excessive charges for loan servicing as well. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Hello, I am wishing to submit a complaint against XXXX. I did not authorize a hard inquiry on my credit report and an inquiry showed up for XX/XX/XXXX. I investigated what XXXX is and it is XXXX. I have an existing credit card with them but have not used since last year, XX/XX/XXXX. What prompted me to look deeper into my credit inquiries was a significant decrease of XXXX in my credit score, which I think is attributed to this hard inquiry. Is it possible to help get this removed?

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/2016 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: helloi went to XXXX school in XXXX fl. I took out a sallie mae loan so i can afford it. I called them today to find out how i could pay down my principle, but they said that all extra money goes to future interest. Im struggling to afford the payments and i feel like a serf from the high middle ages. My complaint is that paying on principle is not an option, i feel like this should be illigal. After all they say they are committed to help me dream, invest and succeed. Or is that just for their shareholders. thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Per Original CFPB Case # XXXX, Equifax has yet to comply w/ my XXXX/XXXX/XXXX request to move the 'Consumer Statement ' ( which will expire on XXXX ) from the top of Accounts section to the XXXX XXXX XXXX ( XXXX ) account which it references. The XXXX/XXXX/XXXX request also asked that the XXXX/XXXX/XXXX letter supporting same be added to the XXXX account entry. As was the case when originally submitted, Equifax has refused to process the online dispute request as submitted. 

With respect to the forgoing, I have subsequently asked Equifax to provide the following : a ) Credit File documentation confirming the above request has been satisfied And/Or b ) Credit File documentation confirming that the XXXX is no longer being reported ( as is the case w/ other credit reporting agencies ) Although the request was reiterated in my XXXX/XXXX/XXXX letter to Equifax Personal Solutions President, XXXX XXXX ( attached ), the company is yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Payday loan, title loan, or personal loan (Payday loan) with Tribal Lending Enterprise, Inc. (CA).
Issue: Charged fees or interest you didn't expect

Complaint: Loan for  XXXX  made on  XXXX / XXXX /  XXXX  , Im strangling making payments for this loan due to health problems. I contact the company but there said that is nothing they can do, so I call a not-profit organization and they mention that in California is illegal that the charge so much in interested 737.7301 % and that his company is been sue for this sent reason, I was recommended to do a complaint. I can keep paying and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Student loan (Non-federal student loan) with Dream Center Education Holdings (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My name is XXXX XXXX and I 'm contacting you because I like many millions of other college graduates that are suffering in Student loan debt -especially from a For-Profit College that defrauded all of its students- wish to complain about XXXX and EDMC. 

Recently there was a Federal lawsuit against the Parent company ( EDMC ) of the college I attended ( XXXX XXXX of XXXX ) from XXXX graduated with XXXX and over {$80000.00} in debt. Its Parent company EDMC was sued for fraudulent practices/recruiting/using federal aid for CEOs/Shareholders/recruiters bonuses instead of helping students, predatory lending practices, stealing GI Bill money from students, etc ... and they won {$11.00} XXXX dollars from EDMC. 

I was lied to about their job placement numbers as well as the true total cost of my so-called quality education. Also they were predatory in recruiting and they pressured me into keep signing for more student loans, federal and private. The education I received there was sub par at best and I feel was n't anywhere near worth what it cost to get my soon to be worthless degree. The lawsuit money that was won should go to the students who are the real victims not to the government for more wasteful spending. It should go to the people, this country was built upon a government for the people by the people, not for the wealthy or for the money by the money. I have almost all my records while I attended XXXX XXXX of XXXX. 

We want the settlement money to erase all our student loans as well as have all money refunded that has been paid on the grounds of the fraud the schools committed based on the judgement in the US Government lawsuit. Below are links to the site for the petition about the lawsuit and the debts former students are drowning in along with many other source sites. Many of us have begun to contact elected officials, State Attorney Generals, and looking into going after them. 

Now EDMC is closing most of its schools throughout the country and just as the XXXX XXXX closures opened everyone 's eyes to the thousands of people drowning in debt from attending this fraudulent school that should receive refunds as well as all student debt erased based on everything that has happened. 

Read the comments listed on the site with the petition and you will see what I 'm talking about. This money should go to all of us who are still stuck with this debt from a school that played us all for fools. 

Thank you for your time. 
XXXX XXXX Below are links for almost everything regarding EDMC/XXXX. 
XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: XXXX I opened the Citi Gold Checking account through a promotion offering XXXX XXXX XXXX miles. I completed the application using the appropriate promo code and took screenshots throughout the entire process detailing the promotional offer and the rules concerning it. I had to spend {$1000.00} on the debit card and complete XXXX bill pays within three months. 

After the application was approved and I had created my online access, I sent a secure message to confirm that the promotional offer was indeed attached to my account and to reconfirm the promo rules. The secure message agent at Citi confirmed the promotional offer for the XXXX miles was attached to my account. A few days later I chatted with a Citi agent to check on the progress of my promotion and what I had completed so far. Again I was assured the promotional offer was attached to my account and I was told I had charged a few XXXX dollars to the debit card and had completed XXXX bill pay. After completing the requirements XX/XX/XXXX, I sent another secure message to Citi to inquire how long it would take for the miles to post. I was told by this agent the following : " I have submitted an investigation to confirm you have completed the required behaviors and qualify for the miles to be awarded to you. '' I then received a communication from Citi saying, essentially, I would not be getting the miles. This was despite the fact that several agents had told me otherwise, and despite the fact that I have screenshots of my application process proving I correctly applied using the promo code. 

Since then the service at Citi has been pretty poor. I continue to get canned responses and no specific reasons as to why the offer wo n't be honored. Agents have assured me a follow-up investigation was opened, but it has been over two weeks since that happened and I have gotten no response. I feel I am being taken advantage of. Had I known Citi would not honor the promotional offer I applied through, I would have left my money in another savings account earning higher interest. 

To top it off, my wife applied for the exact same promo offer on the exact same day and completed the requirements in the exact same time period and she has already received her bonus miles. So there is clearly something wrong on Citi 's end. 

I would really appreciate some real help with this issue. I feel like Citi is not giving that to me, and is not holding up the bargain.

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 12/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: THIS IS A XXXX ACCOUNT THAT WAS OPENED UNDER MY NAME ILLEGALLY WHEN I WAS A MINOR. IT IS AN ALABAMA ACCOUNT AND I HAVE NEVER RESIDED IN ALABAMA.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 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: Information belongs to someone else

Complaint: I have previously attempted to dispute several inquiries that are a result of true name identity theft. I have called and attempted to dispute the inquiries in question and was transferred several times.     The inquires I am disputing as fraud are :   XXXX   XXXX   XXXX   -  XXXX / XXXX / 2017   XXXX   XXXX   XXXX  -  XXXX / XXXX / 17    XXXX   XXXX   XXXX   -  XXXX / XXXX / 17    XXXX   XXXX   XXXX   XXXX   -  XXXX / XXXX /   2017   XXXX   XXXX   XXXX  -  XXXX / XXXX / 17   XXXX  -  XXXX / XXXX / 17   XXXX   XXXX  -  XXXX / XXXX / 2017

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 12-11-2015 about Debt collection (Mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Home mortgage discharged in bankruptcy. Debt collection company sends collection letter. I call and notify them debt is discharged in bankruptcy. Debt collection company tells me I am still responsible for penalties and fees. They refuse to accept validity of bankruptcy discharge. Internet research reveals this company is running a well known scam to illegally collect money that is not owed to them. They are running a con that relies on uniformed consumers fearing them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Deposits and withdrawals

Complaint: Between XXXX, my account was compromised. My bank never contacted me regarding any suspicious activity or anything. I closed the account XX/XX/XXXX. XX/XX/XXXX I contacted my bank. I spoke with a claims representative about the unauthorized transactions. She told me that she would take care of it for me. She told me not to worry. After over 30 days, I received a portion of the money that was taken from me. There were several claims filed ( around XXXX ). I submitted a letter requesting all of my money be returned for XXXX of the claims. This would total over {$15000.00}. My bank sent me an electronic letter the very next day saying the transactions were authorized. I called and was told they had my computer 's IP address. I requested to review the information the had. I never received it. Thereafter I received a letter approving and finalizing my claims. I submitted another letter requesting the return of my money. Then the claims representatives told me that I had not reported the transactions within the 60 days. This is the first time I had heard of reporting unauthorized transactions within 60 days. I began researching. My bank has not been telling consumers about this within 60 days rule. My bank stated to XXXX consumers via social media sites XXXX, " All Chase cards also come with zero fraud liability protection against unauthorized use for cardholders. '' My bank has also stated this in their publishing XXXX. XXXX reaches about XXXX consumers. How can my bank refuse to return my money using this 60 day rule ; But, refuse to inform us this same rule publicly? This is misleading. My bank is telling XXXX us everyday that we are not liable for unauthorized transactions. I was returned a portion of my money. I am asking that XXXX claims be returned in full. Today XXXX stated the same quote of zero fraud liability protection from your bank. I have been reaching out to the Executive Office XXXX, the Corporate Office XXXX, Claims representatives, Department XXXX, and a local branch urging them to return my money. I even lied like I had already contacted your organization and filed a complaint against them in hopes of prompting them to do the right thing and return my money. I review their social media sites every single day. So many consumers are complaining about the same thing. They can not lie to us publicly in an attempt to attract more customers, then refuse to stand by their public statements. This is misleading. The Federal Trade Commission refers to this in Section XXXX of their FTC Act : Unfair or Deceptive Acts or Practices. I really want my money returned to me.

Company response to consumer: Closed
Consumer complaint received 08/22/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: This is in response to my original complaint case # XXXX submitted on XXXX/XXXX/15. On XXXX/XXXX/15 XXXX XXXX from Wells Fargo left me a voice mail message on my cell phone letting me know that he is working on my case. My wife called XXXX XXXX back on XXXX/XXXX/15 providing her contact details if any additional information is needed for this complaint. XXXX XXXX never called my wife back. On XXXX/XXXX/15 XXXX XXXX left me another voicemail message stating that he needs additional time to research this issue. He stated he anticipated it would take no longer than XXXX/XXXX/15. On XXXX/XXXX/15 I also received an email from the CFPB stating that Wells Fargo has responded to the inquiry. I checked the update and was not happy as it stated that Wells Fargo has not been able to establish contact with me to discuss the correspondence. Additional time ( XXXX days ) is required to complete the research on this issue. I immediately called XXXX XXXX and left him an extensive voicemail in regards to the issue and that I had asked my wife to call to determine if any additional information was needed. We never heard back from him until he called again stating he needed additional time to research. 
We are creating another complaint as I do not plan on going through the same process with Wells Fargo as I did with the loan modification process. 
Wells Fargo has caused enough damage to my life financially and future possibilities to obtain credit. Additionally, they have put me through enough stress, that the least they can do is handle this situation correctly. 
I have attached a time line document with notes that were taken through out the process, letters and faxes that I sent to Wells Fargo during the loan modification process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: None of the accounts were deleted off any of the XXXX credit companies

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