milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to obtain a HAMP loan modification with Seterus on an investment property I own. The original modification was filed prior to the HAMP deadline. My income falls within that which HAMP allows for investment properties. I have provided all the paperwork requested by Seterus. Whenever I call they try to steer me to other solutions instead of a loan modification. Since HAMP allows for loan modification on investment properties I am very upset and frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (LA).
Issue: Fraud or scam

Complaint: I was sent a check in the mail to get cashed to pay bills for someone. The check was accepted through my bank til 3 days later it came back as a fraud check. I did not realized that the check was a fraud check until after I withdrawal the money and sent it off.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Trouble during payment process

Complaint: I am a homeowner in New Jersey with a mortgage with Wells Fargo. In the state of NJ we have a tax credit program called the Homestead rebate act. It used to be, that this credit would be sent directly to the homeowner. Then it changed, the state of NJ would send one quarter taxes to the municipally where the homeowner lived as a credit towards the taxes they owed. ( Wells Fargo pays my taxes. ) So, If my quarterly taxes were {$1300.00}, and I received an applied credit from the state of NJ for {$520.00}, the difference of the taxes owed would be paid from Wells Fargo. That is all well and good, however, this amount of {$520.00} has been paid TWICE! Once by the state of NJ and once by me in my monthly mortgage amount. WHERE IS MY CREDIT? That credit from the state should have been deposited into my escrow account or sent to me, instead it was just deducted from the amount of quarterly taxes owed. Therefore, this amount has been paid twice. I paid the same amount of the mortgage every month with that money to pay quarterly, escrowed taxes. This has been going on ever since I have had the mortgage. Not only with me, but every one else that has a mortgage with Wells Fargo. I have tried numerous times to correct this with Wells Fargo, I have spent hours on the phone with them, trying to explain this credit, but they do n't seem to understand. I realize this is a unique credit program, but I have laid out the facts. I know people who have a mortgage with Wells Fargo and have the same problem with this tax credit. They are always saying they never get the credit. I Just figured they gave up trying. When I would call Wells Fargo they would tell me they had not yet done there escrow analyses, so I patiently waited. I would like my tax credit that is rightfully mine. I called the NJ DEPT OF TAXATION an they said they only send out the credits, they ca n't enforce anything, called also the Governor 's office, Dept of banking in NJ, and finally was led to your office. I have documentation that I sent several time to Wells Fargo, that is included.

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 05/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: For the past 8 months I have tried to have XXXX fraudulent accounts that were re- inserted to my credit by Transunion once again removed from my credit report and history. 
I supplied Transunion with my original police report that was also stamped by XXXX PD personnel, the accounts removed and re- inserted to my credit without notice. I have called and tried to get the situation handled by mail- its no use they continue to ignore my disputes. 
XXXX XXXX # XXXX XXXX # XXXX They have also failed to remove the fraudulent inquiries from my credit XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Closing on a mortgage

Complaint: XXXX XXXX XXXX sold my loan to Dovenmuehle Mortgage when I tried to make my monthly payment they would not accept it they said the loan had matured XXXX XXXX and wanted full payment of {$2700.00} by XXXX XXXX I informed them I did not have a balloon payment at the end of my loan and I always paid more than the usual payment, I have continually called and asked for copies of the original loan agreement and provide me proof that I owe them this money and they will not provide it to me yet they are charging me {$0.00} a day for interest while I " wait for them to get the documents '' I have a right to the information I have requested and they have not provided it to me, I am asking that they give me the information I have asked of them before paying the loan off. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Other debt) with Alliance Data Card Services (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I bought furniture from XXXX here in XXXX of XXXX. I thought I had 3 years to pay without any interest. No one at XXXX explained the terms or explained the " deferred interest concept which I was never aware of. I began to make payment religiously on the web site. I paid what they stated that I needed to pay. I never missed a payment. After 24 months I went to make a payment only to find out that my balance just doubled. Not knowing why I called them up to find out why. Iw as then told of the deferred interest charge. I offered to pay the balance to conform to the 24 months terms but they refused since I was only 9 days late. I acknowledge that I was deceived and maybe I should have been more careful but the following, I believe, show how deceptive XXXX and XXXX XXXX ( the financing Bank ) are. 1- Monthly payment was not equal so that balance would be paid over 24 months.
2- There was no reminder, note, or any indication of the fact that the balance needed to be paid over 24 months or else.
3- When I became aware of the terms, it was only 9 days and they should have accepted payment.
4- My balance literally doubled overnight. I am currently paying since I am trying to protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Student loan (Non-federal student loan) with Social Finance, Inc. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have applied for a loan to refinance my student loans with Sofi. There is a provision in the loan documents that states that if I pay the loan off early, they can still charge me the full interest as if I had not paid the loan off early. Is this legal? I have not yet signed the documents. SEE PAGE 4 OF ATTACHED LOAN DOC

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I paid my bank {$25.00} on XXXX to stop payment on a check # XXXX and described the merchant " XXXX XXXX XXXX '' with the amount of check {$490.00}. My bank paid the check today disregarding my stop payment and insufficient funds in my account. Leaving me with insufficient fees of {$34.00} each for subsequent transactions pending in the account as well as the initial {$25.00} fee for the stop payment that did not hold up. My account overdrawn over {$500.00}. The response from the bank is obs-tenant and unsympathetic. They claim since my description of the check was of by some cents they paid the merchant anyway at their desecration? I would like to as the bank to pay all fees and return my funds since I strongly believe they acted in bad faith observing my account was in danger of overdraft if they paid the check and they would be able to bill me for several overdraft fees. I also advised the bank obtaining a refund from the merchant who was double paid this month is out of the question since it is not in their normal practice to do so. If the bank had researched the transactions on my account for my best interest as they are obligated to do, they would have seen this particular merchant had already been paid by ACH in excess of $ XXXX only 48 hours earlier ; thus prompting my stop payment. I sincerely believe no one checked my account prior to paying the check and Chase should be held liable for the full value of the check as well as all fees associated with the processing of the check and subsequent transactions affected. They have been my bank for over 10 years and they should value my business as much as larger customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-04-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Closing/Cancelling account

Complaint: I received a letter from Synchrony Bank stating that they closed my Banana Republic Credit Card due to my credit score and review.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Mortgage (FHA mortgage) with LoanCare, LLC (WI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am currently going through a divorce. Per my divorce decree ( not yet finalized ) I need to have an assumption done on my mortgage to remove my wife, XXXX XXXX XXXX XXXX XXXX, removed from my mortgage as the secondary borrower. 

I called Loancare on XX/XX/2018 and spoke with a customer service agent who told me that there was nothing that I could do and that I would have to refinance my mortgage with a different company. I then logged onto the FHA website and read him a passage that proved that he was incorrect. He then hung up on me. 

I called Loancare back on XX/XX/2018 and spoke with a customer service agent who told me that what I needed to do had to be requested in writing and provided me the email address to send my request to. 

On XX/XX/2018 I sent an email to Loancare requesting an assumption. 

On XX/XX/2018 I received a response from Loancare issuing reference number XXXX. The email requested my account number ( which I had clearly provided in my initial email ) and I replied with the requested information. 

On XX/XX/2018 I sent another email because I still had not heard anything. 

On XX/XX/2018 I called customer service and spoke with an agent who apologized, took my information, and told me that someone from that department would be in touch with me in 3-5 business days. 

On XX/XX/2018 I called customer service again and spoke with an agent who said there was no record of my call on XX/XX/18 and that they would submit the request again. 

On XX/XX/2018 I called customer service and was informed of an " unusually large call volume '' and provided my phone number for a call back when it was my turn. I never received a call back. 

On XX/XX/2018 I called customer service again and was informed of the same " unusually large call volume. '' I again provided my phone number and again I still never received a call back.

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 11-09-2017 about Vehicle loan or lease (Loan) with VALLEY NATIONAL BANCORP (PA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I called Valley National Bank XXXX XXXX XXXX to make the 1st payment. I was told to call back Monday XXXX XXXX XXXX to get the payoff balance. I called back Monday XXXX XXXX XXXX. And they gave me the payoff amount of XXXX and told me it will be XXXX each day and the amount they gave me was XXXX less than stated. I refinanced the loan with the XXXX XXXX XXXX XXXX XXXX. The exact amount I gave the police and fire credit union included a ten day interest accrual. XXXX sent Valley national Bank the check. A week later XXXX states I owe them XXXX more. When I asked what is the extra amount for. The lady stated it could have been a clerical era and the person I spoke to on Monday gave me an incorrect amount. That is a lie, when I spoke to the XXXX XXXX XXXX She pulled up my account. She stated my first payment went thru. And she told me the payoff amount. XXXX is trying to get more money from me. I want them investigated. I want your to look at the statements, and review the conversations which they have. And the copy of the comments. The lady told me that interest rates can change. No way in XXXX can it change from a payoff amount, than days later accrue {$86.00}. I want someone to review everything on my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/30/2017 about Debt collection (Medical debt) with CREDICO. INC (SD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XX/XX/XXXX Credit collections Bureau XXXX. XXXX XXXX XXXX XXXX, SD XXXX To Whom It May Concern : I am in receipt of your letter dated XX/XX/XXXX Please be advised, I am a Member of A  Protected Class, because of my physical XXXX and the XXXX XXXX brought on by my on-going XXXX XXXX treatments. Therefore, my preferred method of communication now is via fax because it gives me time to look over documents with right understanding and get the necessary documents together as covered in sections III-4.2000 Reasonable modifications, and III-4.2100 General. A public accommodation must reasonably modify its policies, practices, or procedures to avoid discrimination As per your letter Section E : I am forwarding my financial sheet and letter of debt from the I.R.S., and am in the process of pursing remediation against XXXX XXXX XXXX XXXX ( XXXX ) in Federal court, which has jurisdiction over this matter. Please see attached letter dated XX/XX/XXXX to XXXX. 

The letters dated XX/XX/XXXX to the U.S. Department of Justice, U.S. Attorney Generals office and XX/XX/XXXXto The White House were turned over to the U.S. Department of Health and Human Services,  because XXXX XXXX XXXX XXXX wrote off all of my medical expenses billed within their company in XX/XX/XXXX. 

However, I am willing to pay {$25.00} a month now, and apply the {$79.00} being applied to past medical bills XXXX which Im still not sure I should have paid due to the circumstances these bills are accruing XXXX as of this letter, set to expire in XX/XX/XXXX for a total of {$100.00} beginning in XX/XX/XXXX. 

NOTE : Because all of my medical bills are a result of medical malpractice beginning in XX/XX/XXXX and on-going and I am seeking remediation from XXXX  which falls under the jurisdiction of Federal laws at this time I am pondering contacting the Consumer Financial Protection Bureau ( CFPB ) for assistance ( if necessary ) that they may help negotiate this reasonable monthly payment which is all I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Credit card protection / Debt protection

Complaint: I have a XXXX account ( XXXX XXXX XXXX ) and they attached a product called XXXX XXXX to my account without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (Private student loan debt) with AES/PHEAA (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have 4 private student loans serviced by American Education Services. 3 held by XXXX and XXXX that was with XXXX and apparently has been sold to XXXX but is still serviced by XXXX. After falling behind on my loans, they were sent to different collection agencies ( XXXX and XXXX XXXX ). I recieved a debt collection letter from these agencies ( XXXX XXXX, XXXX and XXXX XXXX, XXXX respectively ) and exercised my right to seek validation of the debts. I sent each letter within the 30 day time limit and have proof of reciept of these letters by the respective agencies. I did not hear from them again, but then XXXX continued to try to collect the debts. I then sent them a letter on XXXX XXXX, XXXX explaining that these debts are being disputed and that they should not be trying to collect until I receive the validation info I requested. At the same time, I disputed all of these accounts through all 3 credit bureaus ( all still currently under investigation ). On XXXX XXXX, XXXX I received a letter from XXXX regarding the credit bureau disputes and asking for more details of what I was disputing. Today I put together a packet for them that included all of the previous letters that had been sent out and also reiterated that I was seeking validation of the loans that they service. Just now I got an alert from XXXX telling me that AES/NCT has reported me 30days late on all 3 XXXX loans. This is WELL AFTER I have sent letters and also during open investigation disputes through the 3 major credit bureaus. It was my understanding that while a debt is being disputed, the servicers can not report negative information until the dispute is finalized. I have recieved absolutely NOTHING to validate any of these loans, yet they continue to run the clock on how many days I am " late '', when in reality I need them to pause and provide me with the requested information. I am frustrated as I feel they are disregarding my letters and are in obvious violation of my consumer protection rights. I have attached all letters sent as well as proof of delivery for your review. I look forward to any help you can offer in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Submitted a loan modification package to PNC XXXX XXXX, XXXX. This is a XXXX mortgage and can not be submitted through HLP. I have submitted three different packages to PNC and then on XXXX XXXX, XXXX I was advised I had been sending the wrong package that PNC Bank was not the same as PNC Mortgage. I requested the correct package be sent to me on the same day and now it is XXXX XXXX, XXXX and after 2 additional calls I still do not have a package. I spoke directly to the spoc and requested for a third time. This file has a hearing date coming up this month and the file is not even being reviewed supposedly because the correct loss mit package has n't been submitted

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I currently am in graduate school and unable to pay for my education because Naviant defaulted XXXX of my private loans from college. I have been consistentlay making monthly payments of {$500.00}, but my total debt has yet to go down. I feel so enslaved and trapped. My mother has been helping me with the payments but no matter how much I pay the interest keeps rising.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Student loan (Non-federal student loan) with CITIBANK, N.A. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Prior to XX/XX/XXXX I knowingly and voluntarily co-signed on XXXX of my sister 's private student loans taken through CitiBank for her master 's program. Subsequently, beginning in XXXX XXXX and continuing through XXXX without my consent or authorization XX/XX/XXXX more private student loans were issued to my sister using my electronic endorsement. XXXX Bank purchased the loans at some point after the loans were issued. In XXXX XXXX, I sent dispute letters to XXXX requesting verification of the debt. In XXXX XXXX XXXX responded and insists that because my social security number, date of birth and address were provided on the request to open the XXXX additional accounts, they are valid and I am financially responsible. I sent a second series of letters to XXXX in XXXX XXXX challenging the validity of the endorsement and requesting information to demonstrate that the applications for each of the disputed loans were in fact endorsed by me. I also requested a copy of the assignment or purchase agreement between XXXX and CitiBank for each of the accounts. To date no response to the second set of dispute letters has been received. In XXXX XXXX I did receive a letter from XXXX informing me that the loans were delinquent. 
I have sent XXXX sets of disputes to the XXXX major credit bureaus for each of the six ( 6 ) loans based on the fact that I did not sign or authorize my signature to be used on these loans. Each of the agencies has responded and claim that their investigation shows that I am responsible for each of the loans and they will continue to report the delinquency for each loan. 
When all is said and done, while I did agree to co-sign on XXXX loans for my sister prior to XX/XX/XXXX, I did not authorize my endorsement for the private student loans taken in XX/XX/XXXX and XX/XX/XXXX. Also please let it be known that there is NO pending litigation on this dispute.

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 05-05-2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a chapter XXXX and a civil judgment is still being reported on my file

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief