milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2016 I submitted my last mortgage payment in the amount of XXXX sa per statement received by the company. They received my funds and placed it in a suspense account. The mortgage company never advised me as to why the funds were in suspense. they in turn disbursed additional monies to my insurance. They never informed me about this and after several weeks I called them and I made after many phone calls to them they advised me that in error they made these payments from the escrow while my funds were sitting in the suspense account. 3 weeks later the escrow department called me and advised that they could not reverse the payout. They gave me a new amount due for after applying my funds they had in suspense. the amount quoted was XXXX as that 's what they claimed was disburse. Reluctantly, I submitted the XXXX. After several weeks, I called them and asked why I have not received my release of mortgage. They did not know and after several days they advised the XXXX was again sitting in a suspense account. They could not answer as to why. they advised that they will apply the funds and will call me next day. Another week passed by and they did not return the call. I called them on XXXX/XXXX/16 they advised they will look into it. I again called them on XXXX/XXXX/16. they advised they will resolve this this week. When I received my mail that same day, they returned my check advising the amount had gone up to XXXX with no explanation. They had my funds to pay in full however, they are not applying funds thus ruining my credit rating and not advising on the ongoing. This has been going on since XXXX, 2016 and no resolution on there part. they are now making harassing calls to my house threatening foreclosure actions. I have all documentation and bank statements showing checks sent and statements from them for payoff amount which i sent in and they placed in suspense

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I just would like to start off to say I am a victim of identity theft and I was noticing when I pulled up my credit report that I had a collection agency on there that I 've never done business with ever in my life ccs collections. They are collecting for XXXX XXXX company which I 've never did business with in my life. A few years back my identity was stolen and social security card and everything. I have tried to dispute this many times but the company is violating my consumer protection rights under the FRA Act. Please have them remove this off my credit and delete it I have not done any business at all with this company and I know for sure that I 've never had XXXX XXXX as well this is all fraudulent and I would like this to be removed immediately thank you the next step would be taking this to the attorney general office to file charges on the Creditor company of the LLC and member of management for violating my consumer rights.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX account # XXXX .Ive Been trying to verify this account and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

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 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax is reporting a late payment on my credit report with ally financial in which this information is incorrect. I disputed this before and ally reported to them that it is no late payment. I 'm guessing Equifax refused to report my account accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have Compass credit cards counts that should show paid to XXXX one of them is closed the other is still open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2017 about Debt collection (Credit card debt) with CL HOLDINGS LLC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've noticed a negative account on my credit report that I was unaware of. I, personally, am not responsible for this account and the amount requested to pay is {$410.00}, and as far as the identity theft, that situation has been handled. So how do I go about getting this problem removed from my credit report? What do I need to do other than dispute?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a XXXX XXXX checking account with BMO Harris bank online on XXXX/XXXX/XXXX under its promotion - " Earn a {$200.00} bonus after XXXX qualifying direct deposits of at least {$300.00} or more within 90 days of account opening. '' I have long met the terms of this promotion given I set up a recurring weekly payroll direct deposit of {$300.00} into this account since account opening XXXX first payroll direct deposit came in on XXXX/XXXX/XXXX, and it has been coming in on a weekly basis ). Today, I reached out to the bank 's customer service department through its online message center to inquire why I had n't received the bonus, and I was informed that because I 'm " living out of our footprint you do not qualify for the promotion. '' However, this geographical limitation was never part of the original terms.

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 08/16/2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (NY).
Issue: Struggling to pay mortgage

Complaint: This complaint is in reply to a previous complaint # XXXX. Much of the reply from Citi was not true. I have the emails and letters I received from Citi. Citi said I did not send all documents requested. I have always returned all documents they requested. I have never taken a month to return documents. They are usually returned within a couple of days and not more than a week .I spoke with XXXX XXXX in early XXXX and I received an email from her on XXXX XXXX. If the underwriter reviewed my file on XXXX XXXX and found documents were missing why were n't these documents mentioned in the email I received from XXXX XXXX on XXXX XXXX when she told me the file was still on the underwriter 's desk and had not been reviewed yet? ( see attachment ). Also in my phone call on XXXX XXXX, I was told by someone named XXXX that my modification was turned down on XXXX XXXX and that a demand payment notice was sent. I never received either of these notices. Our account online was never updated as documents were sent in like it was for our previous modification so we did not know what was needed. Also XXXX XXXX did not advise me of the documents I needed, XXXX XXXX did in an email dated XXXX XXXX. ( see attachment ) And speaking of a delay, XXXX XXXX never answered any of my emails and why did it take so long for him to contact me with the necessary documents I needed to send them when I asked to reapply on XXXX XXXX? I did not receive his email with the necessary documents needed until XXXX XXXX and I had those documents returned by 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 04/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (IL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: To whom  it may concern, I applied Wells Fargo Cash Wise Visa Credit Card from Wells Fargo website  on  XXXX   XXXX  because I saw there is {$200.00} cash back bonus promotion. After I submitted the application and got denial letter saying because I am not a permanent United States resident. And I called customer service and they told me their policy does not allow non-green card holder  or US citizen to open the card. Yes, I am on work visa, not qualified for that. But my compliant is that why they did not mention this as exclusion during the application. There is a citizen status question on the application webpage and I chose alien resident. Why did the system still allow me to submit the application? First, it 's a waste of time. Second, it hurt my credit profile as my credit inquiry increased by doing that. I strongly feel Wells Fargo has violated UDAAP as t hey have not been fully explained their policy to customers.

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 04/21/2016 about Mortgage (VA mortgage) with NEW DAY FINANCIAL, LLC (MI).
Issue: Settlement process and costs

Complaint: I applied for a VA Interest Rate Reduction Refinance Program mortgage loan through NEW DAY Financial LLC Prior to closing the loan. I asked my loan officer about a two-tier Va Loan due to reasons that I had just found out about. The loan officer did not respond in a timely manner and I needed to talk to someone that had knowledge of this process. I went to another company and they explained everything to me and got me Preapproved for my move to Florida, I closed XXXX XXXX, XXXX with New Day Financial. For MY XXXX Loan and Later found out from my XXXX XXXX XXXX that I had signed a Occupancy Statement with New Day Financial stating that I will Occupy the property as my principal residence within 60 Days as of the date of closing in compliance with the terms of the Deed of Trust Mortgage/ Security Instrument relating to the subject Property, and I would continue to occupy the property as my principal residence for at least one year after the date of occupancy. Unless Lend otherwise agrees in writing or extenuating circumstances exist which are beyond my control. I have been the owner and primary residence since XXXX XXXX, XXXX, I called my loan officer at New Day Financial and explained to him that for medical reasons I needed to move to a warmer climate and I had found a home in Florida in which I can spend my winter months and I needed a release of occupancy from New Day Financial, because under the VA two-tier the home in Florida would become my principle residence and my home here would become a second home. The loan officer told me that do not or never have issued a letter of XXXX XXXX and they would not do it. Under VA XXXX rules the VA explained me that I had met my Occupancy Requirement under VA XXXX and Regulations and so I was now confused. If they never do a XXXX XXXX. How can they have me sign a XXXX XXXX that says otherwise. I do not have any Prepayment Penalties, so If I wanted to sell the home and pay off the Mortgage it was ok. It Just do not add up. the XXXX XXXX does not understand what they are talking about. The new Loan Company that is Funding my House is asking for The Occupancy Release and I am totally confused. I have a preapproval Letter from my New Mortgage Company, I found a nice home had my inspection, and XXXX, flew to Florida, rented a Car. Inspected the home, Have a Purchase agreement everything is set except for this XXXX XXXX. Can Someone Help Me Please. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name, address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from 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 10-10-2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I 've personally written numerous letters to this company and all three credit bureaus to have this account removed from my credit. I do n't owe the debt and it should n't be on my credit report, it is negatively affecting my credit score and my quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: We closed on a new house in XXXX XXXX in XXXX, and right afterwards I wanted to refinance a house we still own in XXXX. I wanted to use Bank of America since we just used them for the new loan in XXXX. 

I was quoted a 15YR option at 3.375 % with XXXX Point, we locked in on XXXX/XXXX/2015, and yesterday XXXX/XXXX/2015 I was reached out to my loan officer saying she made a mistake and selected Single Family Home vs Multi-Unit Home when providing me the rate. Its a XXXX Home that is non-owner occupied since we do n't live in it anymore, and they knew this as it was all originally disclosed when we did the new loan for the purchase of the XXXX XXXX house in XXXX Now that we are two weeks out from closing they want to adjust the rate to XXXX with XXXX point or 3.5 % with XXXX points. 

Attached is the Loan Estimate for the refinancing, which mentions Non-Owner Occupied but nothing about SFH or Multi. Also attached was the GFE or original estimate when we were talking about 30 YR vs 15YR. 

I feel frustrated as now were two weeks out from closing on refinancing and they are asking me to just accept this when its not an error we made but Bank of America and I should have to pay for as it was an error they made and concealed from me. Looking over the 15 year loan this change will be over XXXX out of my pocket due to this rate change, now rates are at their 4 month high and I have no chance in finding a comparable rate that was locked in to me, not to mention the month and a half I have put into this and paid for appraisal already. 

Thanks for your help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I left for XXXX XXXX and XXXX and my student loans defaulted When i returned home i contacted the lender ( XXXX XXXX ) and told them what happened and sent in my paperwork and my loan was transfer backed to XXXX XXXX and i paid of the loan XX/XX/2017 Now i have two student loan accounts on my credit report I have talked to XXXX XXXX about this issue and they have told me to contact the reporting Credit bureaus. To fix it

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (WA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Signed up and used XXXX XXXX XXXX credit card and was charged interest and late fees even though I made electronic payments through my bank on the due date indicated on the Billing Statement ( or the last working day prior to the due date if it was a weekend day ). 

I contacted American Express about this and the first time they reversed the interest change and late fee, the XXXX time they refused to reverse the late fee. I was given various reasons about why this happened but nothing I was told ( like I needed to send payment earlier than the due date ( should that be XXXX day or XXXX week or XXXX months prior ; made no since to me since I have always paid my bills on the due date without issue until now ). 

Resolution for me was to cancel the account and pay a final interest charge ( they had a very imaginative description for this charge ). 

This feels like a very predatory business practice that should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have had this company call me numerous times. I have told them over and over that I can not pay right now. I have XXXX kids and I can not add another monthly payment to my bills. I have been doing credit counseling and have started paying my debts XXXX by XXXX. 

Today XXXX XXXX I received a call from EOS CCA for an old XXXX account. I have to make sure the amount is correct with XXXX XXXX XXXX since I have been reading about a lot of scamming from this company. 

The person on the phone said I needed to make payment arrangements. I told them I could not at this time. Supervisor gets on the phone and tells me that he knows I have kids and a job so I should be paying my bill. I told him I am saving up for something more important at this time and it would have to wait. He says what could be more important and I said marrying my wife. 
And he asked me numerous times how I am paying for my wedding and that my debt is more important. 
Examples being " How are you paying for that? '' I find that very offensive and harassing. 

I am highly upset. I do n't feel it is right for them to ask me how im paying for my bills and how im taking care of my family. 

I have been working on my credit. My whole tax return goes to debt every year. Im trying to raise my credit. 
I do not want to deal with these rude people. This is insane to me to be spoken to by a debt collector in such manner. This is not the only debt I have. I went from XXXX on my credit report to XXXX so I am working on it. I do n't appreciate this kind of harassment. This has made me extremely upset and angry.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (Mortgage) with North Dakota Housing Finance Agency (ND).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I was behind on my mortgage payments I got a call from the company and the lady treated me like garbage asked what I was doing even owning a home I should n't even have bought a home said I did n't deserve a home asked why did I buy a home if I could n't afford it made me feel so bad why would I ever want to talk to them again. Since then I have been foreclosed on kicked out of my house even after I told them I lost my job and was unemployed all they server said was make a payment and a half unroll caught up it was berry frustrating I do n't know if there is anything I can do to get my house back but I just do n't want them to be able to do this to other people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I submitted a validation request to the credit bureau and it was not corrected. The company did not get back with the bureau however the loan somehow stayed on my report. This Bank has XXXX different accounts and unwilling to verify and validate the requested information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with The Receivable Management Services Corporation (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have had the same problem occur for the last two months. Collection agency  Receivable Management has repeatedly added an account on my credit report with inc orrect statuses, balances etc. Even after having the account deleted, they add it back with more incorrect data every month causing a large reduction in my credit scores for   XXXX   and  XXXX . Then afterwards it gets removed again only for it to show up again dropping my credit scores without prior notice or with correct data. I have called the credit bureau s and Receivable Management concerning this issue and they are unwilling to fix the problem. This accoun t has been removed and should not be added every month.

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 04/17/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: BANK OF AMERICA wrongly reported we were late on our monthly payment on XXXX 2013 which i snot true, i already contact bank many times but they did not corrected

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation