milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2016 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Application, originator, mortgage broker

Complaint: 1. In XXXX 2016, Fifth Third Bank provided me and my husband with a prequalification letter for a construction to permanent mortgage loan on our primary residence. After notifying them at the end of XXXX 2016 that we were ready to proceed and supplying them with sufficient info for an application, we did not get a loan estimate until the end of XXXX. 
2. Without our knowledge, our loan application was made inactive by Fifth Third even though we were actively communicating with our loan officer for an XXXX XXXX closing date and repeatedly being told the loan closing was on target. Construction on our home had been scheduled to start the day after closing. Five days before the target closing date, our loan officer informed us that the closing would not occur on XXXX XXXX and our file had become inactive due to Fifth Third not setting up our contractor in their system. We were told by our loan officer and her direct manager that the only way we could proceed with a loan from Fifth Third was to reapply. All scheduled construction work had to be halted and our project was delayed through no fault of our own by 7 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Mortgage (Conventional fixed mortgage) with WATERMARK CAPITAL, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: Watermark XXXX made errors in the process of refinancing my loan that caused the excessive delays. On XXXX XXXX, they sent me an email telling me that our rate lock had expired and they were unable to get an extension so the loan would not be going forward. I asked the loan officer, XXXX XXXX, when the lock had expired and he told me it had expired on XXXX XXXX. According to the rate lock agreement which they drafted and signed, the rate lock was not to have expired until XXXX XXXX. They lied about the expiration date when they said the lock had expired. They took 24 days to provide XXXX documents they already had on hand to a third party lien holder simply because they lost track of the detail. I have the email chain from the third party documenting how long it took. When I asked about the delay, they lied and told me that the third party was causing the delay. Email documents that they did not cause the delay. They did not answer my multiple questions about when the loan would be closing. They did not inform me that I was at risk for losing my rate because they had not done the simple work they were required to do. Their failure to complete their work within the specified time resulted in the loss of a loan that was approximately .75 % lower than the current market. Multiple calls to the lender have been unable to resolve the problem and, to date, they have not even refunded my out of pocket costs. If they had done their job, the loan would have closed. They made serious errors and the result will potentially cost me many thousands of dollars over the life of the loan. An email and a call to the owner of the company have gone unanswered.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: On recently changing my auto insurance policy from XXXX to XXXX, I was advised by my insurance company ( XXXX ) of an adverse affect on my premium from my credit report provided to them by Experian. Because of the adverse effect, I was entitled to a free copy of my report from Experian. I first tried to obtain this report through Experian 's Website. I was told that it could not be processed at that time and that I should try again later. I tried later and received a message that it could not be processed and that I should call their telephone number. I called their telephone number and received a series of prompts, none of which covered my problem or allowed me to speak to a person. The only prompt, close to my problem, was to purchase a copy of the report. Without a copy of the credit report, I can not contest whatever caused this adverse report. I feel Experian 's telephone center has been set up to exclude people from talking directly to an Experian representative.

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 03-08-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (SC).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I have just recently received our escrow analysis letter that stated that we needed to pay {$1500.00} in order to ensure that our escrow account is brought back up to date and that we would also have to pay {$650.00} a month due to this. We pay {$490.00} a month now and we have come to find out that they have taken out {$1300.00} in XXXX XXXX to pay the home insurance with XXXX different insurance companies and another {$750.00} in XXXX XXXX to pay the home insurance with a company that has a cancelled policy. They keep blaming it on the insurance companies, but we see it as they are taking money from us considering they are paying an insurance company that does n't have a policy on our house. Additionally, they are refusing to provide us with the declaration as well as refusing to provide a 14 month ( XXXX XXXX to XXXX XXXX ) printout of the escrow account so we can see where the money has gone to. We can not purchase a new roof due to our house payment increasing almost by XXXX % and our escrow is now negative.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commonwealth Financial Systems, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX I ordered a copy of my credit report for all 3 credit bureaus and noticed some accounts that I was unaware of. The accounts seem to be errors of debt that I am unaware of. I have sent certified letter to the creditors and to all 3 credit bureaus yet no actions was taken in order to resolve this matter. I have decided to file a lawsuit against the creditors for using my consent without me, and not removing this error off my credit permanently. Your company has caused major distress to my life, has threaten to sue me and have contacted me at my job. Your company have violated me in many ways through The FCRA laws sections 604, 605, 609, 611 ( a ) ( 1 ) ( A ), ( a ) ( 7 ), ( 5 ) ( A ), 616, 617.  I am not going to allow you to harass me any longer and I have filed a lawsuit. Ive tried to contact you through mail with certified documents, the phone but no response back after months. I was left to file a lawsuit against your companies. 
The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. 

This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above noted code requires your response within thirty ( 30 ) days. Your prompt attention will be greatly appreciated. I hereby request that your response be mailed to the address listed below. 

If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I invite you to submit a completed Universal Data Form to said bureaus in order to remove the negative notations. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto. 
XXXX XXXX XXXX {$930.00}, XXXX XXXX XXXX {$670.00}, COMMONWEALTH FINANCIAL {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I noticed in my Experian credit report still showing XXXX XXXX XXXX credit card that should have not been there and I contacted XXXX XXXX XXXX as to why they are reporting this inaccurate information to experian and they dont know where they get that information from and it should not been in my report. This information has been reporting in my credit report for decades and should have been removed by now.

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 01/23/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I applied for the PSLF ( Public service loan forgiveness ) an act that was established by President George W. Bush which is supposed to offer public servants an opportunity to pay down their loan and have some of it forgiven. The only plan that XXXX XXXX offered me would have me pay for 120 months at a premium and would end up paying the entirety of the loan prior to any being forgiven. At the rate the company required I would have paid off my student loan twice in the 120 months. This was not the purpose of the program and no resolution was offered by the company. This is not how I would expect it to work as a current public servant.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (OH).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I received a promotion with discover credit card where i was on interest free until XXXX as per the conversation i had with the agent on the phone. I never received any terms about the promotion as well as i never received any type of notification on my statements or letter stating the status of my promotion or that the promotion ended. I work for a credit card company and all our statement show the status of the promotion such as how much is left to pay to avoid the interest and when the expiration date is of the promotion so that you can pay it off in time. Not a single one of my statements show any type of anything for the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Credit line increase/decrease

Complaint: On XX/XX/XXXX, I opened my e-mail from my citi cards account to be informed that the line of credit on my account was being reduced from {$24000.00} to {$21000.00} and the stated reason was that I had big balances on other bank credit card accounts. I have had the citi card since XX/XX/XXXX, and with the exception of XX/XX/XXXX, I have paid my account in full or in an amount exceeding the minimum payment each month before the due date. Last month I was visiting friends in the Florida XXXX when I mailed my citi card payment on XX/XX/XXXX, but the payment was not credited to my account until XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Debt collection (Credit card) with Capital Management Services, LP (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Debt Collector is trying to collect an account that is not mine

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've received XXXX letters and daily phone calls from a company named Portfolio Recovery Associates , LLC. They say I owe {$260.00}. For something I bought from XXXX XXXX 's. I responded to their letters asking them to please provide me with proof of purchase. They sent me a blank form of verification of debt, which they want me to give them all my personal information and have it notarized. That 's not gon na happen! I almost never shop at XXXX 's. I have n't used a XXXX 's credit card and I normally pay by check. If I did owe XXXX XXXX 's for a purchase would n't they have sent me a bill? All I 'm asking them for is proof. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Payday loan () with Mobiloans, LLC (VA).
Issue: Charged bank acct wrong day or amt

Complaint: Mobiloans processes XXXX transactions from my account when only XXXX was authorized. 

When I contacted them to request refund the supervisor said she would have to review call and call me back. I said I would hold. She refused saying she has calls before me, despite being on the phone with me for 15 min. I told her I was contacting the CFPB to file a complaint. THEN she said " then I wo n't be able to contact you back if you are going to escalate it to anyone '' and hung up on me!!

Company response to consumer: Untimely response
Consumer complaint received 07/16/2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (VA).
Issue: Managing the loan or lease

Complaint: My wife and I took out a consumer loan with Wells Fargo National Bank XX/XX/XXXX. The loan was repaid by XX/XX/XXXX. We missed paying it back in a year by 10 days. Wells Fargo Bank said we owed {$480.00} interest. I paid {$250.00} in XX/XX/XXXX and planned to pay the remaining balance in XX/XX/XXXX {$7.00} interest was added to the XX/XX/XXXX balance of {$230.00}. My question is why are we being charged interest on interest?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/19/2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: my modification was not handled correctly and I have made a complaint however  XXXX   XXXX   XXXX  FROM  CITI MORTGAGE EXECUTIVE DIV ISION DID NOT ADDRESS ANY OF MY DISPUTES THIS IS THE 2nd complaint to case #  XXXX  i w ill attach my requestes of the process of the modification and the guidelines of each clause I have asked numerous times and response to the police reports in which my foreclosure was made public by  citi mortgage hiring of 2 real  estate / appraisel companys also how  XXXX   XXXX   came about the decision that I was not treated however he never answers the direct question please read the attac hed files

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 09/13/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: APR or interest rate

Complaint: In XXXX of 2013 I applied for a " Sony '' card with Capital One after watching the TV show XXXX. I was going to have a XXXX in up coming XXXX and I was going to need a new recliner to assist me in the first month or so of healing. I was grateful for the card and there was no interest for the first year. 
My first several payments were substantial, and they almost immediately raised my credit limit from {$500.00} to {$3500.00} within two or three months of my making payments well over the minimum. 
Now I live on a fixed income and this card was tempting to have because many months I have to resort to using the food bank just to have enough to eat each month, so I used the card, and I used it often. Now my balance is over {$3000.00}, but I have managed, with the help of taking in a boarder to increase my income and therefore continue to make hefty payments every month. They are XXXX, XXXX and sometimes XXXX times the minimum required. My interest, once it began to kick in is 24.9 %, yet I keep making the big payments. It is hard to get the balance paid down to a reasonable amount because of this hefty interest. I have called XXXX times in the last almost two years, trying to get them to lower the interest rate, but each time they tell me no. They tell me that the interest rate only goes down with " special offers '', yet in the almost two years I have had this card and been paying huge payments, I have never been offered a lower interest rate. 
This company is raking in XXXX, yet they ca n't lower my interest rate from 24.9 %? I am on social security and only earn $ XXXX month. In the winter, when my heating bill rises to over {$200.00}, my average cost of living per month goes from just over {$770.00} to well over {$920.00} and that leaves very little for gas and groceries. I also receive food stamps, but for some reason, I only qualify for {$15.00} in assistance, so that is not of much help at all. 
Why wo n't this company reduce my interest rate? I have proven that I can make adequate payments, even on my limited income, yet they refuse to decrease their profit margin made on the back of some poor XXXX retired XXXX. I think it sucks ... ..but it sure seems to reflect the greed and avarice that permeates the climate of this country as of late. 
It will take me years to pay this off at this enormous interest rate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-02-2017 about Debt collection (Credit card) with Suttell, Hammer & White, P.S (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Suttell, Hammer & White is a credit buying agency that falsely obtain judgments. I was notified of a judgment that according to the court document was issued on a Saturday. Then there was a court date scheduled for XX/XX/2017 but their judgment states it was issued XX/XX/2017 ( Saturday ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax lost my data as a result of it 's XXXX 2017 hack.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Credit reporting () with LEXISNEXIS (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: When attempting to get cable service with XXXX, which I had had before in my previous state, they charged me a {$100.00} deposit saying my credit was n't that good which is a lie. My XXXX is over XXXX. But the agency they use, Lexus Nexus, had a report showing XXXX and had information missing, which I attempted to call them and have them rectify to no avail. I spent several hours on the phone with them over several days trying to straighten this out only to get the run around. They would never send me a credit report for me to correct their mistakes. I also disputed this with my credit card company. Lexus Nexus has the worst customer service I have ever seen. I was literally screaming at the lady on the phone to correct there mistakes and she just gave me the round around. Something has got to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage lender, Seterus, Inc., sent a letter and coupon XX/XX/2016 stating that I had a projected escrow shortage of {$8.00}. I included the payment coupon and the additional {$8.00} with my regular monthly payment in XXXX 2016, for a total payment of {$550.00}. The company has received the payment and cashed the check, but have credited the entire amount to my escrow account and show that I have not made an XXXX 2016 payment. I have been in telephone contact with Seterus, Inc iand spoken to XXXX XXXX ; XXXX XXXX acknowledges receipt of the funds, but states that they can not move my payment from my escrow account without written communication from me, which is only accepted by U.S. Mail. There is no way to send this request electronically. The result is that I will have late fees, that should not be charged to me as my payment was in their hands long before it was due. I am sending the letter but find that Seterus, Inc. business practices are predatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have tried to explain to the credit bureaus I have not given the creditor nor the credit report agency permission to request my credit profile nor requested the credit reporting agencies to put this on my credit file and I have credit with none of these creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Have some student loans by XXXX now Navient they did did the transformation doing the time I was in a chapterXXXX bankruptcy and it being converted to a XXXX Navient continue to call me wanting me to set up a payment plan and give them my checking account information no way they continue to harness me and now I am getting letters and calls from XXXX requested the same thing set up a payment plan or get garnish was n't told how much my loans was and was n't willing to. Make a deal on the payments or how much they needed up front

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Someone fraudulently applied to Amazon/Chase Bank for a credit card against my Chase account. On XX/XX/XXXX Chase ran a credit check, then approved an Amazon Visa credit card. XXXX notified me of the credit check. I called Chase,, they deleted the card before any charges were accepted. The only personal data breach I can recall is the XXXX issue regarding XXXX accounts that they reported compromised some months ago.

Company response to consumer: Closed with explanation