milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-11-2017 about Mortgage (VA mortgage) with LoanCare, LLC (NC).
Issue: Trouble during payment process

Complaint: I closed on my VA mortgage with XXXX XXXX on XX/XX/XXXX. The loan was initially serviced by XXXX XXXX, XXXX. My first payment was due on XX/XX/XXXX. We made our XX/XX/XXXX and XX/XX/XXXX payments on time. In XX/XX/XXXX, we received notice that our loan was being transferred to XXXX XXXX XXXX, and to begin making payments to them beginning with our XX/XX/XXXX payment, which we made on time along with our XX/XX/XXXX payment. During this process, we found out the Loancare did not send advice to XXXX XXXX that our XX/XX/XXXX payment was made, which we were able to quickly correct However, even though our mortgage was transferred to XXXX XXXX on XX/XX/XXXX, final payoff was not sent back to Loancare until XX/XX/XXXX. Loancare, therefore, marked us with a missed mortgage payment for XX/XX/XXXX, which caused our credit scores to drop and my wife was declined for a loan as a result. This is doubly upsetting because we not only made our payment to the correct mortgage company, but were supposed to be protected by RESPA, as the " missed '' payment was within the 60 window of transfer. I spoke to multiple reps at Loancare, who refused to help.

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 09/25/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Advertising and marketing

Complaint: I came into Bank of America to get my pin number changed for my debit card.I was told about a balance transfer of my other cards at another bank. I was told this, thinking it would happen in XXXX session at that moment with the teller. Instead the teller had me click XXXX boxes on a screen as my signature and then told me I had to wait 2 hours on XXXX to get word from me having to call XXXX or wait a day to see what rate of credit I would get later. If XXXX XXXX had told me this would not be determined and I could not get this done at that moment I would have not done this precheck or application click. 
i still am not sure what the transaction or action of the clicks exactly did at the XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX office did. I was only given general policy and credit rate information. Nothing was given to me noting the date. Nothing was told to me of a prior date. I had no written record of the meeting accept my in bank pin change that occured. I even told her I had a freeze on my accont and I have not lifted it for that meeting, unless someone else did without me being aware of it. I would like a letter or record of the event sent to me. This place is strange. once a Teller named XXXX had me sign paper for a pen change months ago, and the top part said one thing and the bottom said another. Hopefully this branch is not doing a XXXX move and creating accounts without letting customers be aware of it. I am going to cancel the card when I get word of its number or anything to identify the meeting at all, other than the pen change. Which was the reason I came in to see the given to me fellow named XXXX too. At least XXXX walked me out to a teller to show me if I needed to change my pin in the future an new the old number I could use a teller. I think transactions should be explained in terms of timelines better in the future, like this can be done now in so many minutes or the process takes days or weeks or months all together. What if the person is going out of town or something.

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 09/15/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I am a victim of the US Office of Personnel Management ( OPM ) identity theft, that has been widely reported. I obtained documentation from OPM & contacted my local police. Local police said they had no jurisdiction, since the matter regarded a US federal agency & to contact the Federal Bureau of Investigation ( FBI ). I contacted the FBI & received a " Complaint Referral Form '' from them, containing my reported identity theft. I submitted the OPM & FBI letters, twice to equifax, requesting a security freeze, at no cost, as required by law. Each time, equifax replied with a vague letter, which all that I could gather, was they were not going to grant my security freeze. The letters did not contain an explanation or valid phone number for equifax, but were somehow able to contain the valid phone numbers of equifax 's competitors, XXXX & XXXX XXXX. I called equifax, XXXX, & requested they explain why I was not being granted a security freeze. I spoke with XXXX, XXXX, then XXXX at equifax. XXXX said the letter I received from the FBI & sent to equifax is not a valid police report. When asked to explain what it is equifax is expecting, XXXX stated she does not know what a FBI police report looks like, other than she expects it should say " police report '' on the top. I asked to speak to XXXX 's supervisor to which she informed me she was a manager & refused to connect my call further up the line. 

equifax is refusing to grant me a free security freeze, as required by law, even though I have met all the requirements. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: This is my second request to remove the unverified accounts listed below that remain on my credit report in violation of XXXX U.S.C. XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, us bankruptcy court XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX. Equifax results say that my disputes were verified and updated. However they have not supply to me the verification documents that I have requested that they used to verify these accounts which is my right under the fair credit reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have a XXXX in store credit card through Synchrony XXXX. My original starting credit line was {$1200.00}, they decreased the credit line to {$700.00}. Then I get a letter in the mail stating that my account had been closed. My payment history with all my creditors are good, I may be making minimum payments but have not been 30 days late. I am very upset because now my credit files are going to reflect a closed account that had good payment history!

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 02-11-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted an application for a loan modification in XXXX XXXX. I sent all the documents required. Since that time I have been contacted numerous times asking me for the same documents I sent before. It is now XXXX XXXX, XXXX and I am still going back & forth with this mortgage company. Even the agents have admitted that they have the items that the underwriters misplace them. I am at my wit end fed up with this and want something done immediately. I 've faxed, email and mailed the required documents 4 times to no avail. The agents are not knowledgeable and no one seems to want to assist me. When I ask them to look for the documents they find them. However the following week I get a call asking me for the same thing over and over again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 04-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was supposed to have a forbearance but it was n't applied to my loans properly and it was reported to the credit bureaus that I was late on payments

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XX/XX/17 Called to ask Navient to increase my monthly direct deposit from the minimum, and to apply the additional funds to the loan with the highest interest. I also asked that any additional payments I make, in addition to the newly increased minimum payment, be applied to that same loan as well. They said this was n't possible because the loans were consolidated. I asked to speak to someone who could help me and was put on hold for 20 minutes. Finally spoke to someone who reiterated that it was n't possible, then reversed course and said the loan with higher interest was not part of the consolidated loans, and that they could do this for me ( online there is no option for me to apply payments to individual loans, it says they are all consolidated ). I reiterated what I wanted, and they had forgotten to add the stipulation that any additional payments be put toward the loan with the higher interest rate. After being put on hold and waiting 5 min or more again, this was finally resolved as well.

I asked that they make this an option online for others, or at least train their customer service reps to identify the steps to help borrowers pay down their highest interest loans first, and was told that " we have to follow FCC guidelines. '' Not sure why this means they ca n't make the process of paying down higher interest loans first easier for borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Seneca Mortgage has messed up our home loan since XXXX XXXX the very first month and has taken almost two years to resolve a payment dispute of XXXX payments from XXXX and XXXX XXXX when the payment XXXX up from the first month took 9 months yo review and kept getting excuses snd put off even tho called for status constantly. Was told these were in a " suspense '' account. They still have not admitted this error and despite being sent numerous bank statements and electronic transaction information from XXXX Bank as well as us, they still claim we owe this and theres always another excuse or accusing us of not sending the correct info or that they need thisbor that permisdion. Anything to not fix this or take responsibility! Especially after receiving information from the bank. They also sent emails they claimed not to send and have tried to recall emails their staff realized was sent to us instead of internally talking about us and info that was being requested!! Totally unprofessional and complete liars! Now they are claiming payments were not made from XXXX to XXXX XXXX despite thevpayments being sent priority mail. They insinuated checks were returned that were cashed also! They have misasplied and have this account so messed up and then always get different answers, they lie, and are unprofessional. It should not be this hard or long to get this resolved and documentation regarding status of this account! This is unacceptable!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Other debt) with I.C. System, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I opened an account with XXXX XXXX XXXX to connect a land phone line at the home I leased XXXX XXXX 2014. XXXX XXXX XXXX  later called me and told me they could n't connect the service since homeowner had another phone line connected at the same address. Homeowners did n't want to disconnect their service so I hired XXXX ( internet phone line ) to connect service. 
Today checking my credit score I noticed a collection from a company called IC Systems from this account that was never connected, so from a service that I never received!

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 12-07-2017 about Mortgage (Other type of mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Struggling to pay mortgage

Complaint: They refuse to modify or lower my monthly payment they lie and refuse to assist the only thing they want is to take my home I wont give them my home nor move They dont lower my monthly payment They wont put me back on my original payment They refuse to use any program that help me to stay in my home They say denied how is it possible there is no help for XXXX like me Until my current temporary situation changes SLS are XXXX XXXX XXXX I didnt ask for this loan the person got this loan cheated and got away

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 05-06-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have XXXX medical bills on XXXX and XXXX XXXX accounts all in collections that were ALL removed and now they are back on my report. I do n't owe XXXX anything and I have medicade so the medical bills should have been billed to medicade not me. Also XXXX and experian do not show all of my good accounts and refuse to add them. experian has refused to remove any of the medical bills they show. the only report that is correct is XXXX. They removed all of the fraudelent accounts from my idenity theft all of the medical bills and they show all of my good accounts. I am so aggervated with fighting with experian and XXXX to fix my reports. I want to buy a house and this is making it impossible. Can you please help me?

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 12/15/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Transaction issue

Complaint: I had a Brooks Brothers credit card through XXXX account # XXXX. In 2016 Brooks Brothers changed banks to Citibank. Citibank then changed my account number to XXXX without my knowledge. I continues making payments under the old account number to XXXX. XXXX forward my payment to Citibank. but Citibank has refused to give me credit for the payments made. I have provided Citibank with multiply proof of payments but Citibank claims that the documentation is not adequate. The documentation provide came directly from XXXX with photo copies of the front and back of the cancelled check which was endorsed by Citibank. Citibank appears to be incompetent and continue to harass me threatening to make false reports to credit agencies in a effort to force me to double play. Please help

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 09-10-2016 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (TX).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX I refinanced my mortgage loan with Flagstar with a balance of XXXX around or about in XXXX XXXX to lower my interest rate. After that I got sick at work, I was able to make my payments but got behind about 3 months. But made consistent payments while my loan modification was in process. I was approved in XXXX. But later on in XXXX my payments got behind about 60 days, then I applied for a modification since it was about 30 months since the last one. 
It took from XX/XX/XXXX to XX/XX/XXXX to get my modification, my issue is all the late fees should have been removed from my account during this time but was not and also my balance was XXXX, XXXX when my mortgage was transferred to XXXX XXXX XXXX. When my account was transferred I was still in the process of a modification. In XXXX XXXX my loan was modified and the late fees from 5 months was removed. Flagstar did n't remove the late fees and other charges from the loan prior to transferring the loan. Also, when I contact them for total late fees, other fees, and paper to validate Flagstar refers me to the new lender which only provides credits for the 5 months they had the loan. My loan has had about XXXX paid to my mortgage as I have only been 6 payments behind the entire time. My balance today is incorrect with the new lender. 
The claim I am making is Flagstar has pocketed a great deal of my money for payments to my mortgage account. I need help getting the late payment fee, other fee and misc. fees removed from their records so XXXX can honor the law under the Modification act. Please inquire as to all the fees on my mortgage. Flagstar received payments from XXXX XXXX to XXXX XXXX. My payments were {$1100.00} a month around are about. Now I pay, {$890.00}, because XXXX was deferred by XXXX to after my loan is paid off. I was told this should have already been paid but Flagstar has to credit this to the account under the CFPB lawsuit where they were found breaking the law.

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 08/26/2017 about Mortgage (Conventional home mortgage) with COLORADO HOUSING AND FINANCE AUTHORITY (CO).
Issue: Incorrect information on your report

Complaint: I was behind on my home mortgage, so to keep the house from being foreclosed on and stop the late payments I did a modification of my loan. By doing this i was assured that the late pays would stop. They did n't stop showing rolling lates on the loan even after the modification was done. I 've tried disputing it with the company and the credit bureaus but have had no success. I make my payments on time and it still shows late pays every month.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (KS).
Issue: Making/receiving payments, sending money

Complaint: I have an auto loan that is financed through Chase Bank since XXXX XXXX. One time since the creation of the auto loan, I had a late payment back in XXXX XXXX. To avoid that in the future, I set up alerts through Chase 's online banking website where it will alert me by e-mail if a payment has not been received and another alert to remind me that payment is due within a day of the due date. However, for XX/XX/XXXX, I did not receive those alerts. My due date is XXXX/XXXX/XXXX. I realized the payment is late and can only submit it for XXXX/XXXX/XXXX. I contacted Chase and their online banking department has noticed that I have not received any alerts since XX/XX/XXXX. They told me to update my alerts in my account again to update their database. I asked if I would still get penalized for the late payment which the operate transferred me to another department. Once I had to explain the issue again, the new operator submitted an inquiry to see if my increased interest that will accrue due to the amount of days after my due date can be waived. They said that around XXXX/XXXX/XXXX, I would get some kind of response back from Chase Bank to see if my inquiry is valid enough for them to waive the fees. They assured me that the late payment will not go against me on my credit score since Kansas laws have a 10 day leniency when submitting late payment but interest will still accrue for the amount of days after the due date and until a payment has been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (CA).
Issue: Making/receiving payments, sending money

Complaint: My complaint is against Amazon and their contract with the predatory lender, Synchrony Bank. We have an Amazon Store Card through this lender, and I will spare you all of headaches, and get to the one that broke the camel 's back : The technique of lowering and lowering the credit limit, without cause, so that there will be no cushion and, hence, it is possible for them to use their bag of dirty tricks to hit you with multiple fees that generally amount to $ XXXX {$95.00} for a {$20.00} bill. Specifics : We opened an account with a credit limit of {$1200.00}, and being big book buyers, ran it up close to maxed. They would allow us to go over a few cents, then we would be charged steep fees for " over limit, '' they would also claim that they did not receive the payment on time even when we mailed the same day it was received, and so we took care of both of these by making the payment over the phone with electronic debit long before the due date and paying the bill down to {$600.00} so that were be a cushion and they could not say this-or-that-and-so you now have to {$110.00} instead of {$20.00}. So we paid it down to {$500.00}, they simply lowered it to {$500.00}, then to {$400.00}, {$300.00}, {$200.00}. So then I attempted to purchase on Amazon for {$110.00} ; when it did not go through, we were told that are credit limit was now {$110.00}. When? As of the moment I put in an order for {$110.00}. I made another payment, of {$50.00}, so I could get that {$1.00} and put the order through ; it was again rejected and we were again charged a total of {$55.00} for " over limit '' and attempt without funds. When a bank is this dishonest, you know they are doing many other underhanded things to steal from customers. What 's more, a company as wealthy as Amazon should not be contracting with a predatory bank. I have looked elsewhere do to business, but Amazon has it locked. That is something else business should look into -- when there are no viable alternatives, one person is at the mercy of the one Corporation. 
This kind of behavior should and would be bad for business, but when there is no where else to go, they misery of the customer is of no consequence.

Company response to consumer: Closed with explanation