milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2018 about Mortgage (VA mortgage) with loanDepot.com, LLC (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was contacted by LoanDepot.com , LLC and advised that I could refinance my VA loan with no cost to me. The representative went on to say that it is like contacting the bank and simply negotiating the interest rate down through a new streamline refinance program available to veterans. When I was uneasy about considering an adjustable ARM, he went on to say that if the rate goes up, I can simply use the streamline program to refi again. He even thanked me for my commitment and service, which, reflecting back, sickens me to think they boost up veterans like this only to take their money. The representative sent a link to the financial documents and all we had to do was review and accept them and they would process the loan. While reviewing the documents, which were received on XX/XX/2018, I noted that they tacked on almost {$15000.00} in fees and closing costs. I called the loan officer, XXXX XXXX XXXX  ( NMLS : XXXX ) and inquired about the additional cost. Like a good actor, he told me that he would need to get with the other representative ( XXXX? ) because something was not done correctly. He went as far as to state that " we can not include additional fees onto VA loans. '' XXXX XXXX  called back onXX/XX/XXXX. stating he fixed the fees and wanted to go over the documents on the phone vice doing it online as before. I was at an engagement so I called him back on the morning of XX/XX/XXXX. While reviewing the loan proposal, I noted there were no fees ; however, the loan amount was for {$240000.00} and I only needed {$230000.00} to refinance. When I told XXXX XXXX that I was not borrowing an additional {$13000.00} and that I just wanted to refinance under the original terms we discussed, he finally told me that the deal is that there is " no out of pocket, '' but that there would be additional charges. I told him that his company was being flat out dishonest to consumers and that I would not do business with them. He actually agreed that the other loan officer was dishonest with us. I can't imagine how many retired military members get suckered in to these scams and it should not be legal. The loan number is XXXX  and they did send me a loan package after the fact, which I can provide. I think they only sent me the loan docs to cover themselves since I told them I was reporting their tactics to the FTC. I am also available to answer any other questions you may have.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Credit card () with U.S. BANCORP (OH).
Issue: Forbearance / Workout plans

Complaint: I have been a US Bank account customer for about 10 years. I believed most of the 10 years I paid and used the account with no problems. However due to a decrease in my income I sought help with US Bank and they said they were n't able to help lower my interest and or my monthly payment. I sought assistance with XXXX XXXX, a debt management company. XXXX XXXX charged me a fee of {$30.00} and I sent the fee along with the monthly payments they negotiated with the banks. However, after paying XXXX XXXX, I learned that my payments were not being received timely to my accounts, and that I was left with zero to even pay my necessary bills. I cancelled my contract with XXXX XXXX and contacted all banks myself. I was able to acquire a more reasonable payment plan and lowered as well as ZERO interest rate from the banks, except US Bank. US Bank claims that I can not cancel my agreement with XXXX XXXX and that I am required to pay US Bank the same amount {$190.00} that was negotiated by XXXX XXXX. In order to keep my home and not default on the mortgage, real property taxes, and homeowners insurance, I send US Bank what I am able {$150.00} which is actually more than what I can afford. In addition to my decrease in my income where I was forced to retire XX/XX/XXXX since my employer eliminated my job position, recently XX/XX/XXXX I was diagnosed with XXXX XXXX. I had the surgery on XX/XX/XXXX for removal of the XXXX. I have been trying to get US Bank to consider my situation before I have come to CFPB for help. I am in dire straits now as I only have {$11.00} in my bank account and I have had to go to the VA hospital for my follow up XXXX appts and I am feeling like things are very bleak. I do n't know how things are going to turn out now. I believe that US Bank is holding me to a contract I made with XXXX XXXX and this is not right. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Mortgage (Other mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Application, originator, mortgage broker

Complaint: On Wednesday, XX/XX/2015, I went to my local SunTrust Bank branch to discuss the possibility of taking out a mortgage loan to buy a house. This is the branch located at XXXX GA. I was just in my information gathering stage of my house purchasing process.

The representative I spoke with asked me for my social security number to verify my identity as I bank with them too. I explicitly told her that I do DO NOT want my credit pulled. When I'm ready to purchase a mortgage loan, I'll have my credit pulled then. However, to avoid hurting my credit scores, I XXXX checked with her that my credit would not be pulled. Rather, I was just seeking advice and information only without a credit pull. She assured me that it would not be pulled. Towards the end of our conversation, she said she'd pass my information to her loan officer and he'd be in contact with me.

Towards the end of the night, I get an email from XXXX stating that my credit had been pulled that night. All XXXX of my bureau's had been pulled by SunTrust Bank that night. The next day, I called back to the branch and spoke with the same rep. She stated that she never pulled my credit and the loan officer must have. I expressed my disapproval  as I explicitly stated that I did not want my credit pulled. She apologized and stated that she could and would easily remove the inquiry off of my credit bureaus. The SunTrust loan officer gave me a call later that day stating that he was never told to not pull my credit. I stated that I never gave any authorization to do so. He did not have much to say about the topic.

I want to emphasize that I never gave authorization, verbally or written, to have my credit pulled by SunTrust Bank or anyone else. I would like the credit inquiries on all XXXX of my bureaus removed. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On the morning of XXXX/XXXX/2015 I decided to check my credit on XXXX XXXX. I was shocked to see that my credit report contained a collection account from Stellar Recovery for the amount of {$120.00} as this was the first time I had been made aware of the outstanding debt. Stellar Recovery, Inc never once made contact with me through XXXX mail, not even a single phone call. The status of the collection account on my report reads " open '' with an open date of XXXX XXXX, 2015. Had I not logged onto XXXX XXXX, I would have never known that this debt even existed. I contacted Stellar immediately and spoke with a representative. I told her that I would need to contact XXXX before paying anything as I did not realize that there was a balance on my account at the time it closed. She informed me that " XXXX has nothing to do with this account anymore and that XXXX does not have record of it '', I also asked her what account # to use in reference to this debt and did not receive an answer. The REAL problem here is that I was not informed of the debt before they reported it to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: My trial loan modification was approved in XX/XX/XXXX with the first trial payment due XX/XX/XXXXand if completed satisfactorily by making 3 months ' payments on time, would convert to a permanent modification in XX/XX/XXXX. I completed all payments on time and have continued to make on-time payments however to date, I have not received my permanent modification agreement! As well, despite my on-time monthly payments, the servicer is continuing to negatively report delinquency on my credit. I have contacted the servicer repeatedly and get a different answer each time varying from, " we have not received investor approval as of yet on your modification agreement and are working on that '' to the most recent answer of " we are having an internal issue with our servicing system and are working to resolve this issue. '' Per regulation, they had 30 days to provide me my permanent modification agreement and it has been over 120 days. Please help as I am not getting any resolution from the servicer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Auto debt) with First Investors Financial Services Group, Inc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Date : XXXX|15 Amount : XXXX XXXX XXXX XXXX XXXX violated my consumer rights according to the Fair Debt Collection Practices Act. The two sections they violated are 15 U.S. Code 1692e - False or misleading representations and 15 U.S. Code 1692f - Unfair practices. 

They served me a summons with the WRONG NAME which is misleading and false. It is also an unfair practice collect a debt! I have taken them to court to get it removed. Because i was a co-signer, and my brother filed for bankruptcy, the judge stated it was out of her courts jurisdiction. 
Can you please help me remove this due to the fact they violated some Fair Debt Collection 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 03/26/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This company is continuing to request payment for accounts that I do not owe on. {$36.00} from XXXX on behalf of XXXX.. 
These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to EQUIFAX. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against EQUIFAX and in their respective state and both of these companies if this is not resolved NOW! 
I 've ALWAYS had this type of trouble before with EQUIFAX. My report with them has always been incorrect. XXXX having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised with Equifax! 
ALL references regarding this account must be deleted from ALL reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Advertising and marketing

Complaint: I opened a Spirit Airlines credit card ( Bank of America ) while being promised free miles. I received only a fraction of the miles promised. 
I was charged an annual fee and called asking them to cancel the fee since they did not deliver on their part of the contract. They refused to cancel it.

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 10-12-2015 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Credit card protection / Debt protection

Complaint: I recently paid down all of my Chase credit cards to improve my credit score by lowering my utilization rate on my available credit. Two days after I made the payments to bring my utilization down below 30 %, Chase lowered my available credit from {$25000.00} to {$2500.00} thus making my balance at 100 % of credit and creating virtually no availability. This also would have seriously damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I had sent in XX/XX/XXXX my paper work for forbarrance with Navient. They failed to call me or send emails or papers in the mail stating that they needed more information to process my paper work. I had to call them myself to find out, and I just called them in the beginning of this month, XX/XX/XXXX, my payment plan ends this month also. Then I spoke with a gentlemen that said I needed my husband who has nothing to do with my student loans, we file spereatly every year in taxes, information and I told him no it states in the paper work they do if we file together in which we do n't. Then I look again at my online account with Navient this moring, XX/XX/XXXX and I was charger XXXX to my account for no reason. I get hit with interest every month that adds up to maybe {$150.00} a month. I will be calling them about this matter this morning. I am so frustrated with them not contacting me if information is needed and charging me when it is not needed. I ended college in XX/XX/XXXX with XXXX in loans I am not almost at XXXX in XX/XX/XXXX. Not right for them to charge this much in interest. I should not own them this much. Something needs to be done and I want them to fix my loans, no one ever has a straight answer when I call either. I would never recommend them to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit reporting () with I.C. System, Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: RE : acct XXXX I spoke with XXXX On XX/XX/2017 and agreed to do a pay and delete on an outstanding debt. As of XX/XX/2017 I paid the agreement amount of {$130.00}. However, since that time the debt still appears on my tradeline with all XXXX credit bureaus. I have spoken with several agents and supervisor and recently spoke with a manager named XXXX who on several occsians, most recently XX/XX/XXXX and XX/XX/XXXX who indicated information was sent to have the tradeline removed and yet it still appears. I was also advised on several times by the same manger that he would have a delete letter sent and its has now been two weeks and still no letter. Several phone agents advised that the same letter would be emailed, and still no letter. However the manager advised the letter could only be sent via mail. I have received nothing but conflicting information, and now that my debt has been paid they are refusing to remove the information from my tradeline. These collection agencies collect on accounts but then they do not honor the agreement. The requested documents are never sent and when you call, you are either disconnected or told there is nothing they can do. In my recent conversation with XXXX he advised that they would not contact the credit agencies and that he could not control the mailing time. He also indicated they would not be re-sending a letter. This collection agency has used false practices so that I could pay the debt. Now the debt is paid and still remains on my account and is still affecting my score, although it has been paid. I was told my the initial phone agent, several agents in between and the manager that the debt would be marked as paid and DELETED BUT NOTHING HAS BEEN DONE. Please assist me in getting this matter resolved and accept my complaint against the misrepresentation of this collection agency.

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 12/13/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (SC).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have made several deposit to my account with TD Bank. I have received several {$35.00} fees for the transaction on the same day that a deposit was made. I have been charged {$170.00} this week along with Fees but I am making deposits into my account on the same day. The transactions are in a pending state when I make the deposit and my account is not showing a negative balance at that time. I am really upset by a recent {$35.00} fee where my account was {$.00} ( XXXX XXXX ) overdrawn by a transaction and the bank charged me {$35.00}. This is so unfair to me because the money deposit shows credited the same day as the transactions. I really need my {$170.00}. I just had medical XXXX and do not have money to give to the bank at XXXX. I want a refund for all of the fees because a deposit was made the same day. I do not understand their processing although I was explained and it was not like this when I open up my account. There should be a federal regulation that permits the bank to not processing credits like this. I should get credit based on my deposit that day and then debits should come out. Other banks use this process. TD Bank has an unfair policy. 

Also, bank paid my mortgage payment which the money was not in there to cover it. This caused the overdraft fees. I thought that I was signed up for them not to pay for transactions if the money was not in my account. I do not want to overdrawn my account to pay something if the money is not there. 

Finally, a lot of the bill pay is going out too soon and getting paid before I want them to. I get paid on the XXXX, XXXX and XXXX. I set bill pay up so money is in account. Bill are coming out too fast and frequent.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau Services, Inc. (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is over 9 years old and was from overdrafted checks at a business that is no longer collecting on this debt. The credit bureau is collecting on it for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Dear XXXX, XXXX daughter took out a school loan for her degree at Full XXXX in XXXX. I had to be a co-signer with my daughter as she had no income and the loan had to be taken out in XXXX parts. The first loan was for {$35000.00} at XXXX % interest and then after XXXX months, the second loan was allowed to be put in place {$24000.00} however the interest was set at XXXX % which was not explained at the time of the first loan being taken out. The loan was allowed to be deferred for a period of time but I can not remember the full information. 

We feel Navient are not set up to help the loaner for many reasons XXXX is that they do not send reminders prior to the due monthly payments if you pay via the online payment system. Over the last year, we have paid extra per month to get the XXXX % interest loan paid off however because the auto payment will not accept they will not accept over payments to the principle. When we pay the extra money per month the following month states we owe less payment for the month Navient do not want to apply the overpayment to the principle. This practice we can only assume is because it is more profitable for Navient to prolong the loan period. 

I have applied to be removed as a co-signer but Navient have refused even though my daughter has never been late for a payment since XX/XX/2013. 

My Daughter has tried to get the loan shark rate of XXXX % down but Navient have refused because they say there is not a lower interest loan available to her. 

Although we have spoken to representatives via telephone we have never been given satisfactory solutions to our questions, they do not have a email address to raise any concerns. 

I would be grateful of you could list us to your complaint. 
XXXX. 
Email address : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XX/XX/2018 Transunion listed a collection account from XXXX XXXX XXXX from XX/XX/2017. However, Transunion will not allow me to complete a direct dispute report online in order to begin the problem resolution process. When completing the online form, an error message arrives claiming the disputer can contact a live operator ; however, no one receives or answers the phone call. The credit reporting agency, which also works with the collection agency, presents this roadblock as a means of discouragement to prevent anyone challenging the collection agency on its unfair debt collection practices. To add insult to injury, Transunion added the collection account to its files information after the XXXX data breach of XX/XX/2017 had compromised my personal information.

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