milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2017 about Checking or savings account (Checking account) with FIRSTBANK (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: XXXX was offering a XXXX dollar promotional credit upon opening a new checking account and receiving a XXXX dollar direct deposit. The credit was issued upon completion of this direct deposit but was later rescinded. After another XXXX dollar qualifying direct deposit from the same originating financial institution as the first one was received XXXX refused to re-credit the account with the XXXX dollar. They constantly bent the rules and kept referencing different rules etc. The requirements were met but XXXX wont make good on their offer.

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 11/25/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (FL).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: XXXX UNIVERSITY my loan rate is XXXX percent variable..I think that is excessive to the point of criminal and they gave me variable instead of fixed so you know in the years to come with rates having to move up I will get killed ... ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Debt collection (I do not know) with Frederick J. Hanna & Associates, P.C. (closed) (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received repetitive telephone calls to my home phone from XXXX. The caller states their name followed by " this line is recorded. '' I immediately interrupt the caller and tell them they do not have my permission to record the phone call, nor will they ever have my permission.. The callers continue talking anyway. I advise the callers they are in violation of XXXX wiretap laws by continuing to talk. The callers still continue to talk. I hang up. 

I have received calls from this number 5 times in the last 10 days. XXXX at XXXX, XXXX at XXXX, XXXX at XXXX, XXXX at XXXX, XXXX at XXXX. 

I am not the person the caller 's are asking for. I live alone. 

A google search reveals the following for the above listed telephone number.Law offices of Frederick J Hanna and Associates.XXXX, XXXX , XXXX.XXXX.XXXX. I do not know if business information is accurate. Please verify. 

I hearby authorize the Bureau of Consumer Financial Protection to file criminal and or civil charges against both the individual callers as well as the business ( whoever the business is ) for harassment and violation of XXXX wiretap laws.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I bought my home on XX/XX/XXXXand i got Home owners insurance trhough XXXX XXXX which will be need to be renewed on XX/XX/XXXX. On XX/XX/XXXX I notified XXXX XXXX that i no longer will need the services for XX/XX/XXXX-XX/XX/XXXX. I got a new insurance company. yesterday i received a collection notice from credit collection services that i need to pay {$54.00} that i owe to XXXX XXXX i feel that XXXX XXXX have not honor me my cancelation notification 60 days prior to XX/XX/XXXX BECAUSE I WAS NOT RENEWING CONTRACT WITH THEM ANYMORE.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX License Number : XXXX XXXX ( Office ) XXXX ( Fax ) XXXX XXXX XXXX XXXX NOT A PROFESSIONAL PERSON TO DEAL WITH

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been mailing in regular payments for about 4 years based on the payment coupons that were sent to me. The loan payments were for 2 loans in active repayment. Navient seems to have acquired additional old closed and charged off debt and has been redistributing my payments to the other accounts causing my active accounts to become delinquent. I was not aware of this until recently when I created an online account in order to request an unemployment deferment. This appears to have started around a year ago. I have submitted an online complaint to Navient and the problem has not been addressed or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I am behind on my mortgage and have been since XX/XX/XXXX. This was as a result of a reduction in income. I got back on my feet and contacted CitiMortgage in XXXX attempting to set up a payment and was advised they could not accept my payments as I was in pre-foreclosure. I stayed in communication with XXXX, which is the 1st time homeowners program which I purchased my home through in an effort to obtain modification assistance. I contacted the Citi mortgage attorney in XXXX to find out the payoff amount to bring me current and status of the foreclosure and was advised no sale date was on the property at the time as it was early in the process. I submitted requested paperwork to XXXX in XXXX. This information was being sent over to Citi, but no responses were being received. In the meantime, the foreclosure clock remained ticking despite Citi Mortgage 's lack of responsiveness. My Homeowners specialist has changed at least 3 times. I 'm attaching letters which show proof of this. In the meantime, no one was working my case, making it appear that I was not interested in alternatives to resolve my outstanding loan balance. I believe it changed more ; however I only have proof of 3 changes available from my inbox. I finally decided to deal with CitiMortgage direct, since XXXX seemed to be unable to reach anyone and spoke to XXXX, my most recently assigned Homeowners specialist, back around XXXX. He confirmed my suspicions that NO ONE had been working my case. XXXX committed to staying in contact with me concerning my loan and has done such. Though I am working directly with Citi Mortgage, XXXX still checks in on the progress of my loan as they are Homeowners Advocates. I was contacted on XX/XX/XXXX and advised that there was a Sale date on my home for XX/XX/XXXX. This was concerning because I talked to XXXX earlier that day and never received notice. It is even more disturbing because per the email, text, and written letter I received from Citi " Foreclosure activity will cease while your complete application is being evaluated for hardship assistance ''. I contacted Citi on XXXX and spoke to XXXX and he advised because the foreclosure date is so far out, foreclosure activity will resume. This is a very deceptive practice and completely contradicts what CitiMortgage themselves sent to me in writing. Also, I believe XXXX had to payout a lawsuit concerning the same Dual tracking practices

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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I checked my credit report as of X/XX/2018. Equifax have repeatedly put my older brother 's credit information on my report, and this happened many times before. I have disputed this kind of problem many times now, and I am getting tired of getting the same problem every time. I do n't have this problem with XXXX and XXXX, so why is n't Equifax doing their job?

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
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 Bank XXXX XXXX my debt to XXXX XXXX. This debt was paid in full on XXXX/XXXX/XXXX. Both XXXX and XXXX show on my credit report as negative. XXXX agreed to remove the debt from reports once paid in full. I have called them multiple times since my XXXX payoff and they are telling me that they have done what they need to do to remove and it 's out of their hands. I have filed disputes with all 3 credit reporting agencies and they say the information is correct. 
XXXX tells me that when they sold the debt to XXXX their negative reporting should have been removed. Again, I have filed disputes with all 3 agencies and am told that the information is correct. Meanwhile XXXX and XXXX say that they have done all the were supposed to do to have removed. 
No one is taking responsibility. 
I would like both debts removed from all 3 agencies report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and there is currently a charged off XXXX XXXX account ( XXXX ) being reported to my Equifax that I did not create. In my most recent dispute, I requested Equifax block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. I have sent Equifax a copy of an identity theft police report I filed with my local XXXX XXXX XXXX XXXX office on more than three separate occasions. To this date, the only generic response I have received is that the account has been " verified '' and will not be deleted. In my most recent dispute, Equifax even refused to move forward because they are claiming that I have not sent them proper identification. I am using the same information Equifax is reporting on my credit so this is clearly bogus and just a delay tactic to make me have to wait even longer. XXXX XXXX itself has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because Equifax is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure Equifax is held accountable to the full letter of the law if they do not honor my request and continue to stall my dispute. I am attaching a section of a recent credit report which shows how this account is only being reported to my credit by Equifax. XXXX and XXXX do not have this on my report. They deleted all records of this account because it was opened as a result of identity theft. How can XXXX and XXXX get a different dispute result for the same dispute I am sending to Equifax?

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Mortgage (FHA mortgage) with FIRST GUARANTY MORTGAGE CORP (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was initially contacted by an MLO at First Guaranty Mortgage Co in XX/XX/XXXX in re : streamline refi of the FHA mortgage that I had originated with them in XX/XX/XXXX. On XX/XX/XXXX the MLO sent an email promising a 4.00 % rate with a payment lower than my current payment ; as my taxes on the property were set to go up, I decided to proceed with the application process. The whole process has been hampered by a lack of communication from the MLO, despite repeated outreach attempts by myself ( via phone and email ). The MLO again contacted me by email on XX/XX/XXXX and then I heard nothing until XX/XX/XXXX ( I had to call in a complaint to his supervisor in order to be contacted by the MLO ). In the XX/XX/XXXX email I was told that there were possible problems with the title on my property -- a possible lien from the state. Since sending additional information into FGMC so that their Title Co can research the issue I have yet to hear back as of XX/XX/XXXX, despite sending two follow-up emails. 

I know that the FHA rate is now greater than 4.00 %, so I do not see that the company will be able to honor the rate that was promised to me in their XX/XX/XXXX email. I believe their lack of timely communication and follow-through may have cost me the opportunity to lock in a beneficial rate ; additionally, this drawn-out process for what was supposed to be a streamlined refinance has cost me the opportunity to attempt a streamline refi through another company because I do not want multiple pulls on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PENTAGON FEDERAL CREDIT UNION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: my card was stolen and used about a month month and a half ago they credit some charges but still have me charged for over 2000k i should have a XXXX balance i called today to tell them they forgot charges they told me to 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 01-06-2018 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: Account status incorrect

Complaint: My XXXX AUTO LOAN ACCOUNT HAS BEEN SHOWING 4 30DAYS LATE PAYMENTS ON IT, I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND THE BANKS CREDIT COUNSELER SAID SHE COULD NOT ASSIST ME WITH GETTING THE LATE PAYMENTS REMOVED EVEN WHEN I WAS NEVER LATE. RIGHT NOW THE ACCOUNT IS SHOWING TO BE PAST DUE WHEN IT HAS CLEARLY BEEN PAID AS AGREED AND CURRENT. I DO PLAN ON TAKING LEGAL ACTION AGAINST THIS COMPANY FOR REPORTING THIS INACCURATE INFORMATION. I HAVE SPOKEN TO SEVERAL INDIVIDUALS IN THE BRANCH AND EVERYONE HAS NO CLUE ON HOW TO HELP ME, BUT THEY CONTINUE TO ACCEPT MY ON TIME PAYMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: ARS ACCOUNT RESOLUTI XXXX/XXXX/XXXX Phone : ( XXXX ) XXXXFax : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ARS ACCOUNT RESOLUTI or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ARS ACCOUNT RESOLUTI or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Payday loan () with Big Picture Loans, LLC (WA).
Issue: Charged fees or interest I didn't expect

Complaint: XX/XX/2016 I applied for a payday loan through Big Picture Loans. My application was recieved and I was authorized for a {$400.00} loan with a financing fee of {$140.00}. They said they needed addition to process the loan, They attempted to contact me via email and phone calls, to which I never responded. Eventually they notified my via email that the funds were approved ( although I never spoke with them to confirm or provide the information they were asking for ). The {$400.00} appeared in my bank XX/XX/XXXX. Beginning on XX/XX/XXXX I had my first payment withdrawn from my bank in the amount of {$140.00}. Since then I have paid {$140.00} every two weeks for a grand total of {$690.00}. Much more than the {$540.00} I was under the impression I would be paying. Since then I have further delved into the disclosures and have come to realize that the first several payments do n't even go towards the principal amount of the loan - they go into interest. As a matter of fact, I have learned that the actual payback amount of the loan is {$2200.00}. That is an interest charge of {$1800.00}. While this information is available, I feel it was very misleading and would have never agreed to this loan if I knew the full extent of the interest I was going to be charged. My loan number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Mortgage (Conventional home mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XX/XX/XXXX, I purchased a home. Franklin American Mortgage Company financed the mortgage loan. They disallowed me from utilizing {$15000.00} of XXXX XXXX  XXXX financing, based on a bylaw which deems community secondary financing ineligible. We had received {$10000.00} in the settlement office from the Vacants to Value program which provides funds for first time residents of previously vacant homes. The lender did not allow this money to be used in our deal. We had an active application with the Community Development Block Grant ( CDBG ) Homeownership Assistance Program for {$5000.00} for income-eligible city residents who are first time homebuyers. The bank considered these funds as community second financing because they are structured as forgiveable loans. Such a bylaw counters local efforts for community revitalization and homeownership and is discriminatory against homebuyers in minority populated, low income areas in need of community stabilization. <P/>XX/XX/XXXX: Began working with mortgage broker referred by real estate agent. Informed broker about intention to utilize community funds for financing our purchase. <P/>XX/XX/XXXX : Sent relevant documents to broker for loan approval XX/XX/XXXX : Sent relevant documents to broker for CDBG and Vacants to Value program applications. Applications required lender information. Broker informed me the grant applications would be completed and sent in on Monday, XX/XX/XXXX  Received loan package documents from XXXX XXXX XXXX XXXX XXXX of XXXX, MD ( acting in conjunction with Franklin American Mortgage Company for home financing ). Signed and returned. <P/>XX/XX/XXXX : Informed of conditional loan approval. <P/>XX/XX/XXXX : {$10000.00} issued to me from Vacants to Value Booster Program and sent to settlement office. Documents explain grant structure as 5-yr forgiveable loan. <P/>XX/XX/XXXX : Informed of inability to utilize community seconds for financing based on underwriters bylaws. Broker forwarded me language from the banks guidelines which was provided by email by Franklin American Mortgage Company Senior Account Executive for Maryland. <P/>XX/XX/XXXX : CDBG grant coordinator confirms structure of CDBG financing as a 5-year forgiveable loan. <P/>XX/XX/XXXX : Closing date. No public funds were used in home financing. Check issued by Vacants to Value Program was returned.

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 05/23/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (OR).
Issue: Trouble during payment process

Complaint: On numerous dates, I 've sent Letters of Dispute ; most recently on  XXXX / XXXX / 2017  &  XXXX / XXXX / 2017 .     The amount disputed is {$10000.00}, which was included on  Ditech  's " Payoff Quote '' to  XXXX   XXXX  and which I had to pay in order to close escrow per contract with Buyer or face Breach of Contract. I paid the above amount, but have had no luck in recovering.     The actions taken by me, were to continuously write them letters requesting they provide us with a REFUND of {$10000.00} or provide a Payment History proving  DiTech Financial were corr ect in charging said amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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 disputed XXXX collection accounts XXXX and XXXX on my report that i am not reliable for and and when I filed a report with the XXXX  the investigation came back saying I never disputed the information when clearly i did

Company response to consumer: Closed with explanation