milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/27/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage loan through Round Point Mortgage and serviced through their Roundpoint Mortgage servicing department. We closed the loan through the sale of our home on XXXX XXXX. At the time of the sale of our home we had a balance of {$2700.00} in our escrow account and we ca n't get it refunded to us by Roundpoint Mortgage Servicing. Each time we call we are given a new excuse ... it takes 7 to 10 days, it takes 10 to 15 days, it takes 20-30 days. It has been nearly 60 days since we closed and yet no refund of our escrow account They claimed they sent it but we never received it and when asked to stop payment and resend, we keep getting the run around. I have called 8 times in the past week asking for managers, supervisors etc and no one will return my call regarding this refund. Any help would be greatly appreciated. Thank you 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 05/20/2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX has no right to be on my credit report. This same debt from XXXX Insurance company was just deleted from another company called 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 non-monetary relief
Consumer complaint received 08/26/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Select Portfolio Servicing which Is paid on time and current. I had a fire in my home on XXXX XXXX, 2016. The insurance company issued a check in the amount of {$24000.00} which was made out to myself and the above Bank. I signed the check and sent it to the Bank on XXXX XXXX, 2016. I had all the paperwork they required signed by the contractor expressed mailed back to them on XXXX XXXX, 2016 they told me they received it and I would receive a check for the full amount of $ XXXXand would be mailed out in 5 business days and the mail would then take 10 business days to get to me. I called after the 10 business days and they said they never cut the check and again I would have to wait this 15 business day period bringing me now into XXXX. They have been holding my insurance check since XXXX now to XXXX. This is a rental apartment so I am losing 3 months rent which does n't seem to matter to them. I am a XXXX yr old widow and If I was 3 months late on my mortgage I would be in pre-foreclosure. Is there something you can do to them to make them overnight my money which I stressed to them I wanted done and they said I still have to wait an additional 5 business days before they could even cut the check. 
My account number at Select Portfolio Servicing is XXXX. Property address is XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX. 
My mailing address is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, phone XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I HAVE ATTACHED MY DRIVER LICENSE FOR NAME SPELLING AND ADDRESS PROOF. ON MY CREDIT REPORT I HAVE FRAUDULENT NAME SPELLING AND ADDRESSES ALSO SOCIAL SECURITY NUMBER VARIATION THAT IS NOT MINDS. I EVER GAVE ANY ONE CONSENT TO USE MY PERSONAL INFORMATION IN ANYWAY. I HAVE ATTACHED MY CREDIT REPORT WERE THE FRAUD IS SHOWING.

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 06-07-2017 about Mortgage (FHA mortgage) with CASTLE AND COOKE MORTGAGE LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: About six months ago I decided to start the home buying process, I am a mother of XXXX XXXX XXXX and work hard everyday to support my family ... I was referred to cook and castle by my realtor and without prior experience I had full trust in them, the lender stated he had experience in my type of loan and credit history. I provided all documents that were asked of me and also a co buyers documentation ... <P/>I was hopeful they would look over everything and point us in the right direction, and if we were not ready they would provide assistance in what needed to be done for the future. my lender gave the OK to look at homes even gave us a number of XXXX with 104 % financing all I had to do was put a good faith deposit.. I fell in love with a house so I put in the offer and the seller accepted my offer! We were ecstatic!!! <P/>The seller asked for XXXX dollars in a good faith deposit ..I was so nervous, that was a lot of money for me, almost half of my savings, but the seller put a contingency that if the loan could n't get approved she could keep my money, but my lender keep re assuring me everything was ok.. the further we got the more things keep coming up more money and more money needed to be paid. At one point I ran out of money but kept trying to keep up.. At no point did my lender say to stop this process, my credit was not ready at all ... and when the moment came and the seller asked to sign over my good faith deposit, he said " everything looks good '' and advised to sign it over ... After paying the appraisal..everyday something else came up that I needed to pay, nothing was ever for sure.. still no direction to stop and cancel He realized things were going wrong and things were over looked and I really was n't ready to buy a house ... the only reassurance I was getting was a promise he would pay back the good faith deposit if the loan fell through ... just keep saying in text that you could not put it in writing just to trust you.. <P/>This whole experience has been a nightmare for me and my family, I even took my son out of his school and put him closer to the new house .. cook and castle should have never let it get that far.. I trusted this lender to guide me in the right direction.. now My family is left with a empty bank account, no house and devastation At what point was he going to say ... XXXX you are not ready. <P/><P/>I am requesting my good faith deposit and appraisal/ inspection funds that I have lost in the process XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: XXXX  I am NOT   XXXX   customer.     I am not   XXXX   customer and I do n't remember I ever registered with   XXXX   IF I did I do n't think I will share with   XXXX   with my personal information like " STUDENT LOAN THINGS with  XXXX .       XXXX   provided my personal financial information a widely with third parties without my permission.     I contacted   XXXX   this mornin g (  XXXXX 2017 ) to dis pute all my credit history from his page. " When I Contacted  XXXX  and requested a dispute my credit report,   XXXX   asked me security question " like how much student loan do you have, and who is the loan provider?     The  XXXX  NOT my student loan lender, this not   XXXX    business, an d again I do n't remember I did share my student loan information with   XXXX  , again I dont want to share my student loan information with  XXXX  so I refused to answer  XXXX  's security QUESTION which related to with my personal financial informations. And   XXXX    sa id " if you do not provide how much student loan do you have and than we will NOT dispute your credit report. ''  XXXX   I  am NOT   XXXX   customer.     The company did provide my credit information to the third parties without my authorized signature/ without asking me. I request   XXXX   to dispute my credit history from the   XXXX   website.     EXPERIAN  I a m EXPERIAN customer.     I am request EXPERIAN to dismiss my OLD credit history from his webpage. Especially olds  XXXX  NO good for my future business.     EXPERIAN provided my credit history to third party without notifying me which have been impacted my business pretty deeply.     SO I request EXPERIAN to contact me first before provide my credit history to THIRD parties

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 08/15/2016 about Bank account or service ((CD) Certificate of deposit) with CIT BANK, NATIONAL ASSOCIATION (NC).
Issue: Deposits and withdrawals

Complaint: I opened a CD with CITBank on XXXX/XXXX/XXXX. I closed it on XXXX/XXXX/XXXX. It was a XXXX year CD. The interest earned was {$1600.00}. They charged me {$2100.00} in penalty. I think this is abusive. I am XXXX under extreme financial difficulties. Please help me on this issue. I can understand taking all my interest, but this is ridiculous. 
Account XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Application, originator, mortgage broker

Complaint: My Ex-Husband walked into a Wells Fargo branch to apply for a re-finance on his home. During the application process the bank obtained my information and ran my credit four times, as well as gave my ex-husband detailed information from my credit including my score and recent inquiries made on my credit. My name is not on his current home loan not is it on refinance application. I was never notified verbally nor in writing that this was taking place by Wells Fargo, and only became aware when I checked my credit online and saw the inquiries from WellsXXXX Fargo. I have no bank account, credit card, or outstanding loans with Wells Fargo, and as such it is a direct violations of the Fair Credit Reporting Act to obtain my information and illegally run it multiple times, as well as disclose private information to an Ex Spouse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Mortgage (FHA mortgage) with GUILD MORTGAGE COMPANY (DC).
Issue: Settlement process and costs

Complaint: I owned a home and sold it and closed on the loan on XXXX XXXX. XX/XX/2014 I had a loan modification and received money form HUD that was due to be paid back at the time of the sale. When the loan was refinanced, I was told this was rolled in to the original mortgage rather than being paid as a XXXX mortgage. When the title company showed the second mortgage, the escrow company called and asked was it to be paid out separately, and was told by the mortgage company it was rolled in at the time of the refinance and was reflected in the higher mortgage payment and interest rate. Just 4 days before closing on XXXX XXXX I was told was this was not true by Guild Mortgage and that the XXXX and XXXX mortgage had to be paid off. I asked for confirmation and was not given sufficient documentation that the loan was not rolled in. Nor why my mortgage and interest rate was significantly raised at the time or refinance. from 3/25 % to 4.75 % XX/XX/2014. I would have asked for a different selling price had I been made aware that the HUD loan was to be paid separately IN Addition to the mortgage as a subordinate deed of trust.. I believe the mortgage company did roll the HUD loan, but had no supporting documentation or paper trail. This costs me over XXXX in profit and no one would help me and they said it was a communication error. I also did not have the information or the opportunity to resolve it during closing as the buyer had to close on XXXX XXXX and threatened legal action while Guild insisted that there was no evidence that the new amount reflected the inclusion of the XXXX HUD loan. I do n't see how someone at the mortgage company could tell me the seller and the escrow officer the same thing and then change at the last minute especially as it showed up on the Title as a separate line item ( # XXXX ) and I and the escrow officer specifically asked about it. The closing and settlement process was a nightmare and not characteristic of my genuine good experience with this mortgage company. They have failed to respond to my requests for additional information or the request to explain the difference in the stated amount for loan and principal plus interest to be {$1400.00} among and the discrepancy with what I was paying. I certainly would have had to sell my house if the payments were truly not loan and not what my regular loan statement indicated.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Payday loan, title loan, or personal loan (Installment loan) with WELLS FARGO & COMPANY (CA).
Issue: Problem with additional add-on products or services

Complaint: I purchased a mattress from XXXX directly on XX/XX/XXXX using the credit/installment loan payment option. During the online purchase I reviewed several different mattresses and decided on one that was on sale. The website clearly indicated that all mattresses had a 90- day free trial. Since this was the first time I was purchasing a mattress from this company, that trial period was integral to my decision to purchase a mattress from them. I tried out the mattress and on XX/XX/XXXX called the company to find out if I could exchange it. It was OK but not very comfortable. The agent told me that the specific model I purchased was a " closeout '' product and that all closeout products were not eligible for the 90 day free trial. I checked my email confirmation and there as no indication that I had purchased a " closeout '' item. But there was a very small disclaimer at the bottom of the email that closeout items were not eligible for the 90 day trial. I also checked the terms of the 90-day free trial online and there was NO indication of a limitation for closeout items. It ' s available here : XXXX : XXXX The company refused to honor the 90-day trial and I am now stuck with a mattress that I don't like that I will need to continue to pay off in installments to Wells Fargo . I am  very concerned that the company deceived me during the purchase of this item and did not clearly disclose that the item that I purchased was not eligible for the free trial. In addition, both the website and the email include multiple references to the free trial, and there is no caveat or exception called out. This is clearly a marketing technique used by this company and it was the differentiating factor that convinced me to purchase from this company. I feel deceived and cheated.

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 05/19/2016 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Problems when you are unable to pay

Complaint: I 've started a new job which means my pay dates are off from when i first started the loan. i called to have the dates moved to the days that i actually get paid, and was told that i could n't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I am co-signer on both of my XXXX something year old children 's student loans. Navient has been calling me 4-6 times each day, 7 days a week for over a year now, demanding I pay their loan balances. They have also sent me literature stating they will take whatever means necessary to get the money from me. 
Both of my children have deferments as they are taking XXXX for their XXXX XXXX and further education. 
I am retired now, and only have a pension for income. What can be done to stop Navient 's harassment of me?

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (Other debt) with Franklin Collection Service, Inc. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been contacted by Franklin collections Agency, I have tried to work this debt that belongs to a family member out with them, but they refuse to comply back. I have sent validations letters, cease to delete letter and a pay and deletion letter still no answer back from company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NC).
Issue: Settlement process and costs

Complaint: My loan was transferred/sold from XXXX Mortgage of North Carolina ( Account # XXXX ) on XXXX XXXX, 2013 to XXXX Master Participation Trust ( Caliber Home Loans account # XXXX ). I Ca n't seem to get Caliber to send me the paperwork ( transfer/sale ) documents for this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing statement

Complaint: XXXX XXXX and Costco ended partnership. They transferred my card to Citi. 60 days later Citi sent me a statement with late charges saying I was late. I called them and they said I owed the {$510.00}. I asked them for what. They said it was money that was transferred over from XXXX XXXX. I told them I needed to know exactly what I spent it on. She said they would send it to me in a couple weeks. I told her I would pay the bill when I saw it. She said if I did not pay it right away it would hurt my credit. I told her that was ridiculous. I told her I would not pay any bill unless I knew what I spent it on. This seems very strange. 
I have good credit and always pay my bills on time. I do not like be threatened that my score would go down. I never even knew my account had been transferred over. I want to know that my score was not affected. I do not mind paying the bill, but I think I have the right to know what I spent the money on. They simply sent a bill saying I owe {$510.00}.

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 10/31/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: We fell behind in our mortgage. After 3 months we were told that we could n't make any payments until we had the full amount owed. Since then we have tried applying for making home affordable which from my understanding we did n't qualify for. Then they offered us a streamline modification which mathematically made no sense. To me it seemed borderline criminal. We were also told to just go ahead and make trial payment to keep our house out of foreclosure, which I do n't know if I can believe.

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 08/26/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I had a short sale approved by the lender, Wells Fargo Home Mortgage. During the sale process the loan was sold to XXXX. The sale was successfully closed on XX/XX/XXXX, as reported correctly by XXXX. I have just ( XX/XX/XXXX ) discovered that my credit report shows a Wells Fargo Home Mortgage FORECLOSURE with a XXXX balance outstanding. The most recent reporting by WFHM was XX/XX/XXXX. I called XXXX to begin the process of clearing the error and was told to contact the credit bureau instead.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Student loan (Federal student loan servicing) with MOHELA (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been working at a not-for-profit mental health agency since I got a XXXX XXXX in Counseling in XXXX. The XXXX XXXX XXXX XXXX XXXX was created in XXXX. Through the years since the PSLF program 's inception, various employees of my loan servicer, MOHELA, told me that I was on track to receive the XXXX XXXX XXXX because I was on an income-based repayment plan. My 10 years of XXXX XXXX for the student loan forgiveness should be up next month XXXX XXXX, XXXX ). However, earlier this year ( or the end of last year ), a MOHELA employee told me that none of those 10 years will count because I have XXXX loans and not Direct loans. Furthermore, I was told that I was XXXX and have been ) ineligible to transfer my loans into Direct Loans because I had consolidated my loans in XXXX or XXXX ( to lock in a lower interest rate ) and that only XXXX consolidation is allowed during the lifetime of the loan. They also let me know that the years before XXXX that I was on Hardship Deferment or forebearance would not count toward the 25 Year XXXX, either. No one had ever told me that. I was very, very angry about all of this- to say the least. 

Then, a few weeks ago, as I was doing my annual income-based renewal via phone with MOHELA, the MOHELA representative told me that I AM ( AND HAVE BEEN ) ELIGIBLE TO CONSOLIDATE MY LOANS INTO A DIRECT LOAN FOR THE PUBLIC SERVICE LOAN FORGIVENESS PROGRAM- EVEN THOUGH I CONSOLIDATED BEFORE. 

So now, even though I did my 10 years in XXXX XXXX for the forgiveness, I am now starting again from scratch. I am in the process of consolidating my student loan into a XXXX XXXX. My {$56000.00} student loan will now accrue interest for another 10 years that I will be responsible for if the program is n't in existence in 10 years or because the information I am given by my loan provider 's employees over the next 10 years is inaccurate again and I am not really eligible for the program. 

Also, I have been informed by MOHELA that, as a result of consolidating into the Direct Loan Program, my years of qualifying payments toward the 25 Year Forgiveness will be erased and reset to XXXX. This means that if I do n't do another 10 years in XXXX XXXX, I will have to do many more additional years of payments to qualify for the 25 Year Forgiveness. My monthly student loan payment will also be higher than it was the past 10 years due to my XXXX dependents becoming adults and leaving the household.

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