milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/24/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Credit decision / Underwriting

Complaint: I applied for a 20 year mortgage refinance from Chase bank. I have excellent credit, and a 15 year work history as a prosecutor, in house counsel, and sole-practioner. The original mortgage has never had a late payment. The underwriting process dragged out for months even after I supplied all necessary documents, and I was eventually denied credit by Chase. The appraisal for the property came back {$380000.00} and the amount of the loan was to be {$200000.00}. I have never had a late payment on any account including the current mortgage for the last 10 years. I am damaged because the underwriting process took far too long ( well past 30 days for the decision ) and interest rates have now gone up. Additionally, there is a credit inquiry on my credit report from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: When HARP started my county ( XXXX XXXX, Florida ) opened an office to help residents get refinancing for their home loans. I filled out the paperwork, the county submitted it to BofA.. When BofA received the application, they immediately started placing all of my monthly payments in a private BofA account, ( they called it escrow ), not in the loan account. It started showing up as NO MONTHLY PAYMENT MADE on my credit report. The county complained, I wrote letters to BofA. I got a response that said they were holding the payments in escrow.. and I was NOT behind. BUT, on my credit report is showed I had not made a payment in over 2 years. That is still on my credit report. I have letter from BofA in XXXX stating that I was up to date on payments. BUT, it still shows on my credit report that i did not make a house payment for over 2 yrs ... They eventually rejected my application. BUT, NEVER retracted the 2 yrs. I complained every way possible. Lawyer wrote them.. still it shows on my credit report that i did not make house payment for 2 yrs.. I applied to another firm for refi. They saw the BofA entry.. Asked me.. i sent them the payments for every month for 2 yrs. They said BofA should remove that statement. They did refi my house. BUT, I still have the lines in my credit report. I needed a XXXX in 2010. They would not grant it because of the line in my credit report. XXXX sent an investigator ( retired FBI agent ) to my house for interview. I showed him my file, he agreed, BofA was lying on the credit report. I was granted the clearance based on his review. I got to XXXX and my agency hasseled me over it. I fully expect that my clearance will not be renewed when the time comes because the line is still in my credit report. I have tried every way possible to get BofA to remove that line. If you have another way? Please speak help me. It keeps my credit score low because it shows i did not make a payment for over 2 yrs. 
thanks for reading this ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX, I am writing regarding my house XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX, I have been trying to work with Wells Fargo for the past XXXX months to make payments on my home that is being up for sale for Foreclosure on Friday XXXX XXXX 2015, I made my payments but is still being Foreclosed, I was NOT NOTIFIED of the Foreclosure Auction Sale date for my home, I found out by my Renter frantically calling me XXXX days ago, saying a real estate agent came to the house and told her the situation, I was told by XXXX XXXX, that she was waiting on XXXX to make a decision on the acct, But I called XXXX and they said they did n't know what I was talking about, I also talked to XXXX XXXX with XXXX XXXX XXXX, I told her how my account is supposed to be under review, she told me that she could postpone the Sale if someone from Wells Fargo would call them and tell them to post pone the sale until further notice .But No one will do so. So I am confused why No One is willing to help me, me and my family have been a customer with Wells Fargo way over XXXX yrs, and this is how we get treated. I was told XXXX XXXX is the person on the top of the Mortgage section, but she will NOT return our calls, we leave her messages, when we do get a hold of her, she says she 'll call back but does n't. No one will help me, this is my only chance of saving my home that is supposed to be left for my kids. I hope I will hear from someone by tomorrow..I 'm sure the President did n't give the banks a Bailout, to treat us citizens this way ..I am begging the bank to take my money but they 're making accuses for not taking it, now that finally took the payments, they 're sitting on it, so my house can go Auction sale on Friday the XXXX. So I am getting the run around by Wells Fargo, and they will Not tell me who they 're waiting on to continue with the case.. Please help I can be reached at XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with PENTAGON FEDERAL CREDIT UNION (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Re : XXXX - XXXX - XXXX Initial PenFed representative lied to me, and eliminated an important Heloc option that was still available to me : Email from XX/XX/2018 : " Due to a high debt to income ratio, XXXX does not qualify for the 5/5 product. Please have XXXX contact us to advise how she would like to proceed. XXXX ext XXXX. '' - XXXX XXXX, Mortgage Loan Processor, MLO # XXXX Because XXXX XXXX started to ignore the rest of my emails and was never available by phone, I was forced to contact the Executive Team. The Executive Team connected me with XXXX XXXX, Supervisor, 2nd Trust Mortgage Operations, MLO XXXX. 

XXXX explained to me that the previous representative was mistaken. She told me that the product I initially applied for " 5/5 Heloc '' was still available to me. That I can opt in for it right away, and all she had to do was run a free appraisal report ( which she then sent to me ).  If I wanted a higher line, however, someone would physically have to come and inspect the property. A physical appraisal comes with a {$450.00} fee. 

Never once did she highlight the fact that after paying {$450.00} ( in an already distressed situation where someone came to Penfed looking for financial help ), that there's a risk of a denial for both of the initial products that were considerable options. 

To summarize : 1 ) Mislead me and tried to force me into a product I never even wanted. 
2 ) Corrected the previous mistake and offered me the initial product I applied for ( after hours spent on the phone and dozens of emails sent ), but recommended I pay them {$450.00} for an appraisal.

3 ) After paying the appraisal, denied me for both of the products that were offered as options. 

Left me with - {$450.00} in my bank account. And 2 unsatisfactory options that were never even discussed initially, and that I am not in the least bit interested in. 

If I had known in advance that paying {$450.00} opens me up to the risk of being denied both of the options that were initially offered, I would have never agreed to it. Feels predatory and done in bad faith.

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 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: We were advised to use forbearance early in our loan and while going to school still. Looking back and now knowing what I know we should have been making what payments we could. Interest accrued during this time has really added up to a large sum.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Debt collection (Credit card) with CITIBANK, N.A. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I 'm being repeatedly called by XXXX XXXX XXXX about a debt that I do not owe.

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 08-01-2015 about Bank account or service (Savings account) with SYNCHRONY FINANCIAL (MA).
Issue: Account opening, closing, or management

Complaint: I opened a savings account on XXXX XXXX with Synchrony Bank. My first statement, covering the period through XXXX XXXX, reported an average daily balance and an earned interest that were substantially lower than my calculation. I called the bank three times to inquire about this. Each time, representatives quoted the same method for calculating the average daily balance as I had been using ( " add each day 's balance and divide by the number of days in the statement period '' ), but were unable to address or account for the numerical discrepancy. On each of the three phone calls, the representative assured me that a person able to address my concern would call me back in the next 3-5 business days. No one ever called me back. 
There were no discrepancies in the calculation of the average daily balance or earned interest for the following statement period.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Recently heard Equifax has had a breach in confidential information of mine. I do not want to search on there site to find out if I am a victim, because I would give up my rights to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NH).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On Friday XX/XX/XXXXan electronic wire transfer was fraudulently made from my XXXX bank account. When I went to the bank the same day the fraud was committed XXXX 's wire department contacted the receiving bank. Bank of America. I was told at that time the funds were frozen and would not be released. On XX/XX/XXXX I was notified by XXXX that Bank of America responded to them on XX/XX/XXXX that they were not able to recover the funds and therefor they could not be returned. If the funds were frozen the same day as the fraudulent act then why were they not able to recover the funds.

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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Incorrect Items. 

Hard Inquires that I did not authorize. I have reached out to different companies and Equifax have received no assistance. 

HARD INQUIRIES THAT ARE INCORRECT : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT INFO : XXXX XXXX XXXX XXXX account XXXX XXXX is showing as account being closed but is actually open and active

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted both the creditor and the credit bureau TransUnion about an account that was opened through identity theft but neither will help me clear this matter up.The TransUnion dispute results came back as " meets FCRA requirements '' Which I do n't understand because I did n't open this account. I had my identity stolen. The other fraudulent accounts opened we 're removed. 

The account was sold to : XXXXXXXX XXXX, MIXXXX ( XXXX ) XXXXOriginal creditor is : XXXX balance XXXX and account opened XXXX XXXX, 2011.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Bank account or service (Other bank product/service) with OCWEN LOAN SERVICING LLC (IL).
Issue: Making/receiving payments, sending money

Complaint: I purchased a home through online auction XXXX AND the seller, U.S. BANK NATIONAL ASSOCIATION, recommended their preferred partner for closing, XXXX/ XXXX with the incentive that I would save on fees. The entire deal was conducted by email and pdf documents.I wired the money and even had a lawyer representing me. I closed on XXXX XXXX, 2015. To date I have not received a deed or title, and I have contacted the city and county agencies, and this property has not been transferred in my name. The water dept has shut off the water to my house because there is a {$11000.00} bill owed by U.S. BANK NATIONAL ASSOCIATION. This and other items were covered in the closing document but they never funded the transactions with their local vendors. They swindled me in the amount of {$34000.00}. We wired this money to a XXXX account indicated in the instructions. All three of these entities are working in conjunction to fraudulently advertise, sale, and close properties they do not intend to release to purchasers like me. Even my lawyer has contacted the parties and no results have occurred in the last 15 days that we have complained that the water is off. I am living in a house with no water, no title, no deed. Nothing to indicate I purchased or own this house except emails between XXXX and XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: CAINE AND WEINER SUED ME WITHOUT PROPERLY NOTIFYING ME AND COLLECTED ALL OF MY MONEY FROM MY BANK ACCOUNT ON A TIME-BARRED DEBT TWICE. I FILED A CLAIM OF EXEMPTION BOTH TIMES BUT EVERYTHING HAPPENED SO FAST I JUST DID NOT KNOW WHAT TO DO AND THE JUDGE DENIED MY CLAIMS. NOW WITH TIME I REALIZED THAT THEY VIOLATED CODE OF CIVIL PROCEDURE BY COLLECTING MONEY THAT IS TIME BARRED.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Debt collection (Non-federal student loan) with CITIBANK, N.A. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I went into default on my private students loans when I was given misinformation from the original debt holder of all my student loans, Citibank. I spoke to a Citibank representative during a period of time that I was filing Chapter XXXX bankruptcy and was told to hold off on all my student loan payment until the bankruptcy was completed. My loan payment included both federal and non-federal loans so that information was correct for my federal loans that transitioned back into repayment without any problems, but incorrect for my non-federal private loans that were sent into default. I did not receive any notice about the default until it was already sent to collection agencies. Once I was aware of the misinformation and resulting default I started to pay XXXX XXXX XXXX , XXXX, and XXXX XXXX XXXX XXXX, that took over my non-federal loans. I was making monthly money order payments to the collection agencies for over two years, however they did not provide me with receipts of payments. When I requested proof of receipt of payments, XXXX XXXX XXXX , XXXX gave me proof, but XXXX XXXX XXXX , XXXX did not provide me with any information. Since I was not sure they were receiving my money order payments I stopped making the monthly payments since I did not know for sure they were being received and credited properly. XXXX XXXX XXXX, XXXX, did not contact me for six months instead they transferred my debt to XXXX and XXXX, XXXX. The new collection company is now calling and sending me notices demanding payment. Furthermore, they have added unexplained additional charges added to my original debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (WA).
Issue: Other transaction issues

Complaint: In XXXX 2016 I sent money by Western Union to a XXXX XXXX XXXX in XXXX. I do this often as I manage a small XXXX retreat center in Washington state. I made a mistake when I first sent the money by sending it to XXXX, forgetting that he was now in XXXX. I resent the money to XXXX. No problems. However, I called Western Union to see if I would be eligible for a refund of the money I sent to XXXX. It was never picked up due to the XXXX being in XXXX. I was told 'Absolutely! You will get a refund. Just do this ... .. ' Well, that was XX/XX/XXXX. I have been dealing with WU all these months being told each time I called 'just do this .... ' The last 'just do this ' was to send notarized statements of where I lived, my ID and I even included bank info. I was given the usual story ... .you 'll get a check in 1-2 weeks. I never received anything and they can not prove that they sent anything. The last 2 times I called I spoke to supervisors who essentially gave me the run-around. The last one even said 'yes we have all your information including the notarized documents. Just send us more notarized .... ' I cut him off and said I would not do that, that they had everything they needed for the refund. He actually laughed!! I have documented all of my conversations from XX/XX/XXXX through XX/XX/XXXX. 
Obviously they have no intention of refunding the money. Of course I would like to get my refund but more than that, I would like to see this behavior stopped. What happens to people who are not English speakers or who have trouble with complex directions or both? They are easy prey. Thank you for any help you can give.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (VA).
Issue: Other service issues

Complaint: Paypal unfairly withheld proceeds from credit card transactions for over two weeks. It 's been two weeks since payment is received from my eBay sale and the balance continued to be withheld. I have been an eBay/Paypal user for many many transactions and so is the Buyer. There is no reason for them to do this other than greed to capture additional " float ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problems caused by my funds being low

Complaint: We had suspicions charges on our checking account by a hotel that we stayed in using XXXX. We reported the claim to Bank of America. Bank of America 's investigation consisted of calling the thieves only. We had a call scheduled with BoA that XXXX was on with. BoA never showed up, and deducted {$900.00} from our account, ruling for the criminals. My wife had a XXXX scheduled for today that we are unable to pay ; we can not see if she has XXXX now. Our account is overdrawn, and BoA refuses to put the money back. We have XXXX XXXX and are unable to feed them. This is a life threatening situation that resulted out of BoA 's incompetence and cruelty.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (UT).
Issue: Incorrect information on your report

Complaint: Nationstar Mortgage did not apply funds properly in XX/XX/XXXXholding funds in a suspense account when they should have freed them to cover a payment. This started the recording on the Verification of Mortgage to state 30 day delinquent for several months afterward. Once the following months payment was received they would count the payment still holding extra funds in a suspense account. In XXXXXX/XX/XXXX Nationstar finally realized and discovered their mistake in the payment history, made the account current and actually sent me the extra funds that were held in suspense, {$3300.00}. more than a months payment. 

I wanted to refinance on an FHA loan and have a lender that would do so. Without the VOM reporting correctly, I can not qualify to refinance. This is costing me thousands of dollars! I have reported this 6 times and nothing is being corrected to the VOM. 

Still stuck

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: this is a continuation of complaint XXXX banksaid that they had previously looked at the complaint andbasically refused to look at the facts again. they have notlooked at them the first time. this is not acceptable. 
they want me to go back to my credit union. the creditunion did not submit the check, Bank of America did ( note onsignature line says that check was verbally authorized bytheir depositer ). 
bank of america used a pre authorized checkBank of America submitted it overa, month after the loan had been paid off. 
the loan number is on the front of the check. 
the back of the check proves it has been cashed. 
b of a maintains they did not cash the checkthey are misrepresenting and denying what thefacts show happened.

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