milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-05-2018 about Mortgage (Other type of mortgage) with WASHINGTON FEDERAL, NATIONAL ASSOCIATION (AZ).
Issue: Closing on a mortgage

Complaint: Over a year ago we started the process of building a custom home. After we closed and had already paid our down payment, purchased the land and cost to build, we were shocked to find out our first interest only payment was so high. We immedietly contacted the lender. They informed us there disclosures were misleading. Eventually after a face to face meeting, we decided to wait until our home was done being built to file a formal complaint. Washington Federal did mislead us. Not once did they ever properly disclose the proper terms and costs of the loan during the closing process. The paper work we were disclosed and signed is clear. 

{$750.00} is the max payment for year one ( first 12 payments ). This is clear on page one ( 1 ) of the disclosure we signed. For years 2-31, page one ( 1 ) does reference the Adjustable Payment table on page four ( 4 ) for an updated payment. See next paragraph. 

The Adjustable Payment table on page four ( 4 ) of the disclosure is also quite clear. At month 13 we start paying both interest and principle and the max payment not including escrow will be {$1900.00}. 

So, XXXX is correct. During the first 12 months ( year one ) we will be in interest only payments with a maximum of {$750.00} per payment. 

There is no {$1500.00} payment ever for the length of this loan. Not in year one ( 1 ), not in years 2-31. 

XXXX, please call me if you have any details that are different than our closing disclosure we signed. 


We were forced to pay terms we never agreed to. We were never given a chance to even consider if we could handle up to XXXX a month payment while we build.

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 09-07-2016 about Credit card () with CITIBANK, N.A. (CT).
Issue: Billing disputes

Complaint: CITIBANK XXXX Mastercard : My terms and conditions indicate that if my balance is paid prior to the end of my billing cycle that no interest on purchases will occur. Interest is only charged on any remaining balance left at the end of the billing cycle. For My Citibank Mastercard I paid my balance in full before the end of my billing cycle on XXXX XXXX 2016 but then was charged interest of XXXX which I was unaware of. The balance then remain unpaid at the next billing cycle and I was issued a late fee. I have a transcript of the conversation I had with Citibank Customer Service and they indicate theat I am correct about this but then back track and try to convince me that interest is due.

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 09/25/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have submitted copies of the police report, FTC Fraud affidavit, statements, letters, etc. numerous times. I have made numerous attempts to contact these agencies, creditors, companies in reference to accounts that were opened in my name, credit inquiries in my name, apartment that was leased and broken in my name and have not gotten any closure. I am unsure of what else this credit reporting agency is wanting from me and as I have sent copies of my driver 's license, social security card, copy of my old apartment lease, copy of bills, etc. along with the other items and have even asked them to update my telephone number on my report as I have not had the number listed over 10 years. My number is XXXX. This has been ongoing for many months and I am at this time upset with the last XXXX envelopes that I have received. I have attempted to notify all creditors, dealerships, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, etc and have had no success. Yet the credit reporting agencies, all except XXXX, is making my life a living 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 01/21/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (VI).
Issue: Loan servicing, payments, escrow account

Complaint: Experience is Knowledge, and Knowledge is power. 
XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX ( XXXX ) XXXX Thursday, XXXX XXXX, XXXX XXXX. 
XXXX XXXX, VA XXXX Attention : Consumer Solution Department As of XXXX XXXX, 2016 the named company received my mortgage as the Server. To date, I have received no correspondence from Loan Care. I contacted my old Mortgager and was informed to wait for a new loan number from the New Server, Loan Care. 

My transfer letter states that during the next sixty days, no late fees may be charged to me, until the Loan is properly transferred. 
I am presently receiving harassing automated calls from Loan Care. A follow up call says that this is a courtesy call reminding me that my loan is due on XXXX XXXX, 2016. I contacted Loan Care via phone and was told that the Harrassment Calls could not be halted unless I write a request. 

Please consider this my request, that automated Harassment ( courtesy calls ) must not be made to my phone. I pay for this phone service for my business use. Your continued harassment will be reported for what it is : an interruption of my peace, disturbance of my livelihood, an intimidation. 

Please immediately stop future calls to my number, ( XXXX ) XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (NE).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: American Express sent my billings to the wrong address for months after they were advised that I had moved. Bills were not delivered to me until months later. When they turned bill over to XXXX who immediately contacted my ex wife, even though she was not a cardmember. They contacted her before I even received notice that they were involved. They advised her who they were, what was owed, etc. This is not the first time this has happened. This happened several years ago on AE account XXXX. They went so far as to call my children to attempt to collect the debt, threatened me with court and called continuously, even though they were advised not to. American Express was made aware of their actions at that time but still uses them. It would appear to me that AE is aware of the problem and approves of their tactics.

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 EQUIFAX, INC. (CO).
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: XXXX XXXX XXXX XXXX XXXX  Credit Card was closed on XX/XX/XXXX from a Chapter XXXX bankruptcy. XXXX XXXX is only Credit reporting agency to correctly report on my Credit report. XXXX XXXX is claiming that my account was charged off in the amount of {$7500.00} and is currently holding a balance when in fact the account was closed during my bankruptcy. 

To my knowledge this account is the same number as submitted with my bankruptcy, if it was not closed then someone other than myself has opened this Credit card in my name. 

I have sent letters to XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX trying to get this taken off my credit report but they keep saying that it was confirmed with no evidence of validation of competent evidence bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted a dispute letter to Experian regarding inaccurate information contained in my credit report. I authored the letter on XXXX/XXXX/2015 and sent the letter certifed and return receipt via US mail. On XXXX/XXXX/2015 I received a letter from Experian dated XXXX/XXXX/2015 stating they have determined the dispute was suspicious and not sent by me, a violation of the CRA. Experian has refused to conduct an investigation of my dispute within 30 days, due to inaccurante information contained in my credit report. I was denied a refinance of my mortgage, inorder to save in PMI of {$480.00} a month. 
Here are the accounts I have disputed : XXXX XXXX - Account # XXXX. Late reporting is not correct. 
XXXX Bank - Account # XXXX. Reporting status is not correct. 
XXXX XXXX - Account # XXXX. Incorrect late dates and amounts. 
CAP XXXX - Account # XXXX. Late reporting not correct. 
XXXX XXXX - Account # XXXX. Late reporting not correct. 
Please investigate and provide me with results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Incorrect information on your report

Complaint: My current mortgage does not appear on my report for  XXXX  agencies and shows an incorrect balance on the other. I have been trying to get this fixed FOREVER being met with extreme requests ( copies of my ID and full credit report ). I just need this account to SHOW UP!

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: They spying on me, inventing information about me and selling it, they are watching me, stalking and peeking without permission and against the law of privacy protection, they spread lies and lies about me, they hurt me, my family, our future, my good name and my livelihood. 
No one gave them permission to use my name or my details

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 06/19/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo assisted me in a loss mitigation last year in XXXX 2014, However, in XXXX 2014 that 's when I was notified to make my payment in which I was behind XXXX month to start they said home preservation assistant no longer was working in this dept or for the company and I would have to catch up on my own I thought as though this was too hard, I felt as though this was unfair my loan modification was approved XXXX XXXX, 2014 however, I was not notified until early XXXX when I questioned this they informed me that my loan modification worker never sent out the paperwork nor informed me that my loan was even modified I then spoke to several supervisors and they were no help so when I made my payment in XXXX they applies it to XXXX then each month I was XXXX payment behind I feel as though this was too hard to catch up and then after XXXX months they raised my payment they said my escrow was short then raised the payment from XXXX to XXXX which now is another increase so now they are saying since my home is in active foreclosure due to some home repairs and unexpected auto repairs that I need to come up with the whole reinstatement fee and they cant offer no assistance for XXXX months. I want to know how a consumer gets into a new loan modification and the loan due to Wells fargo untrained loan representatives my loan is again in default.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: On XX/XX/XXXX, I applied for a credit card transfer with XXXX XXXX XXXX and was denied with incorrect information! I contacted XXXX XXXX XXXX about this matter and the representative told me that I had to file a dispute! But I contacted Experian to ask them to file a dispute. They told me that the Bank knows that they have to take care of this matter themselves and that their Experian representative will be contacting them. As a consumer I have a right to protect my credit report especially when there are inconsistencies on it! Also, I contacted XXXX XXXX XXXX once again about the issue today XX/XX/XXXX and was told that incorrect information would not affect the decision! How can a consumer protect their credit report? Or the Banks are not held accountable for reporting incorrect information? This impacts my credit report greatly! Does the consumer not have any rights! It seems like the banks and big businesses have all the control and rights over the small consumers! They have the control over dedicating montenary value! In other words, who gets what, how much and preventing others from acquiring personal property etc. and affecting their life styles! Not fair!

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 12/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (HI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have a federal student loan through Navient and my first payment due was on XXXX XXXX, 2017,  with a total due of {$160.00}. I put a payment onXX/XX/XXXX with a total amount of {$210.00} but when I checked my account, I was charged late fees for my loans. On my account, the payment appears to be still processing but why did Navient charge me late fees when I put a payment before my due date.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
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: I called Trans union on XX/X/2017 due to the 2 separate glitches they had removing credit inquiries from my credit report and the credit inquiries appearing again after the glitches were recognized. I was not notified of the reappearance and spoke with XXXX at XXXX and XXXX from Pennsylvania at XXXX on XX/XX/2017

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hello, Both XXXX AND Equifax are reporting an UNRECORDED judgment improperly and illegally! I disputed XXXX different Judgements on my Credit Reports. # XXXX & XXXX XXXX & XXXX ( this is XXXX still remaining on the XXXX report ). Equifax did not remove anything Instead they verified them and refused to remove them! I would like to file a complaint against Equifax & XXXX please see attached XXXX pages of documents there are NO Judgements against me in the record of deeds office! Equifax & XXXX are the only Credit Reporting Agency that has refused to properly investigate an account on my report of a recorded judgment. I have provided proof that there is NO judgment of record and their reporting of a case file judgment that was never completely adjudicated and recorded as a legal instrument is a clear violation of the FCRA. I reserve the right to take further action including filing appropriate complaints with the XXXX on XXXX violations and the XXXX under the penalty rules of the XXXX ( XXXX/XXXX/XXXX ) interpreting and implementing provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ), New York 's consumer protection agencies, XXXX and to take civil action to recover damages. Please note that Equifax Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on " Abusive '' Acts or Practices. ( Section 1031 of the Dodd-Frank Act ). I have sent Equifax & XXXX a copy of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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

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 08/20/2017 about Checking or savings account (Checking account) with TCF NATIONAL BANK (TX).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I was charged {$400.00} in " overdraft '' fees this past week which will cause more overdraft from another auto payment. I was charged multiple times for the same transaction, twice. One of the transactions was not authorized and was charged two times for that transaction. Customer service stated to me that it " was not their problem and we do not reverse any fees '' whether right or wrong. I believe this is bad business practice and is over excessive getting charged {$180.00} for a {$30.00} transaction that I did not authorize. I believe this bank preys on their customers with fees and something needs to be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/18/2017 about Debt collection (Mortgage debt) with Hunter Warfield, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had to break my lease as I lost my job and was no longer able to afford it. My final bill from the complex was   XXXX   and change.
I get a phone call from hunter warfield stating that I owe over 8k dollars and interest is accruing daily.. I explained that I am more than willing to settle this debt AFTER they remove all the fees, interest and remove from my credit report they said yes, the payments were set up, the account was removed from collections..the following month, the account was back on my report with higher amount owed. They called and I refused to work with them. Now what?
It has been disputed and I have one this battle already.. why is it back on my credit report?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: XX/XX/XXXX, my wages were garnished without the required 30-day notice or the opportunity to request a hearing. I was informed by PHEAA that the notice was mailed to an address at which I never resided. However, I followed all procedures to enter the loan rehabilitation program. XX/XX/XXXX and XX/XX/XXXX, I repeatedly contacted PHEAA to inquire about my repayment plan as I was no longer receiving bills and did not know the status of my loan. I was experiencing a financial hardship following a divorce involving XXXX, a lack of child support payments as a single parent of XXXX, and then after moving a safer location. I applied for the loan rehabilitation program again as advised by PHEAA, but was rejected after applying multiple times. XX/XX/XXXX, I received notice from my employer that PHEAA was garnishing my wages. I had received NO other notice and, again, did not have the opportunity to request a hearing. I contacted PHEAA again and was told that the XX/XX/XXXX notice of garnishment ( which I did not receive because it was sent to the wrong address ) was sufficient so I could no longer request a hearing. PHEAA told me my previous applications for loan rehab were rejected because I had a spousal consolidation that required a financial disclosure from my former spouse. Although I had submitted a judgement stating that I was responsible for the student loans, I could not apply for rehabilitation without my former spouse 's cooperation. Had I been informed of this from the beginning, I could have tried having him compelled to cooperate during our court proceedings and possibly avoid garnishment, which is now causing additional financial hardship. I have provided PHEAA with the information they have requested multiple times, but each time I have contacted them, I 've been given information I 'd never received previously or asked for information I 'd never been asked for before. Their tactics have stalled and prohibited my chances of entering into an affordable payment plan, and I 'm now losing approximately {$1200.00} per month, which is a hardship for a single parent of XXXX young children. I can not afford after-school or summer child care, which will impact my job. I have already paid almost {$20000.00} in interest and almost {$5000.00} toward the principal on $ XXXX of loans, yet I now owe over $ XXXX. I 've made large payments, when possible, but of course, most of the payments were applied to the interest only. PHEAA now tells me I have no options to rehabilitate because my former spouse will not cooperate, yet I can not afford to provide for my children and pay all bills with this garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
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: I have sent two certified letters demanding the following accounts be verified and validated or removed immediately. I have received no response or removal of the items from TransUnion. I have sent these requests via certified mail and these requests were received by them. I have also waited in a timely matter for a response. I now demand that the following accounts be deleted and removed from my TransUnion credit report : XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation