milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2016 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: This concerns Bayview Loan Servicing 's ( " BLS '' ) refusal and failure to resolve major discrepancies and mishandling surrounding a closed account. After fourteen ( 14 ) months of numerous and continuous phone calls and e-mails to BLS, the issue remains unresolved. Please see the attached timeline for a history of our efforts concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: we called Citibank on XXXX XXXX, 2017 for a payoff- we paid the account off on that date via phone rep using our debit card-now the bank says we owe approx. XXXX for late fees and interest..i contacted Citibank several times and they will not help in fact says we did not call..how would we pay off the acct without the payoff amount? ... I spoke to Citibank XX/XX/2017, some time in XX/XX/XXXX and XX/XX/XXXX, ,XX/XX/XXXX, ,the fee they say we owed was XXXX and now with pentaltties, interest etc it is XXXX..We feel this is unfair practices..we did our part ..

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 12-05-2016 about Mortgage (Conventional fixed mortgage) with RABOBANK, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: XX/XX/2016, I began the process to refinance my personal home 's mortgage with Rabobank. Currently serviced by Rabobank, I started dealing with XXXX XXXX XXXX XXXX at the XXXX, CA branch. I completed my application, provided all supporting documents, and completed the credit check. The bank approved my application and I signed a rate lock at 2.875 % for a 15 year fixed loan locking the rate on XX/XX/2016. Weeks later in trying to correspond with the bank to get the refinance on pace for completion prior to the lock expiring, the loan officer explains to me the the bank no longer wants to offer a 15 year fixed loan to me and the only product I could use was a 10 year ARM amortized over 30 years. Although I did not want an ARM, I said I would go to the ARM if they honored the rate we locked. Later, I was advised that the regional manager in XXXX XXXX 's supervisory chain, XXXX XXXX XXXX did not wish to honor the bank 's rate lock. 
I believe that Rabobanks efforts in not servicing an approved loan, with a signed locked rate, while interest rates are on the rise - is an unethical banking practice. If rates were on the decline, I am sure they would make sure I honored the lock on my side. 
I respectfully request the CFPB investigate this situation with Rabobank and unethical lending practices so it does not happen to others. While honoring what I believed to be a commitment with their bank, I sacrificed precious time when I could have been using another institution to refinance my loan prior to rates going up. I have been asking the manager to help find a resolution, extend me a loan at the agreed upon rate, but without success. After a week of no response, I emailed him requesting an answer and was still promised that he was working it " internally ''. 
Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-04-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was recently sued by XXXX XXXX for a fraudulent debt that was sold from Capital One XXXX. After being contacted by XXXX XXXX about the debt I disputed the debt, and asked for proof. My letters went ignored, but XXXX XXXX managed to get a default judgement from this debt even after I answered the summon and complaint. I Contacted Capital One / XXXX which is who sold this debt to XXXX XXXX XXXX and was told this debt had changed hands at least three times. Capital One stated they acquired the debt from XXXX XXXX XXXX and that it was closed when it came over to them which was opened XXXX/XXXX/XXXX with a credit limit of {$5900.00} and that they sold this closed debt to XXXX Bank on XXXX/XXXX/XXXX. I was also told that a payment of {$5700.00} was applied to this debt on XXXX/XXXX/XXXX. According to my credit report XXXX XXXX XXXX XXXX reported this debt to be opened on XXXX/XXXX/XXXX with a credit limit of {$5900.00}, but shows that {$8100.00} was charged off. XXXX XXXX XXXX XXXX 's shows on my credit report the last date of payment to be XX/XX/XXXX, and the date of the first delinquency to be XXXX XXXX. 
I find it odd that Capital One / XXXX 's sold this closed debt on XXXX/XXXX/XXXX and XXXX Bank reports it as being open with them on XXXX/XXXX/XXXX but yet Capital One / Parisian 's shows a payment made to the debt in the amount of {$5700.00}. I provided XXXX XXXX XXXX XXXX 's a fraud affidavit along with a police report because this account is fraudulent. XXXX XXXX 's stated that they investigated and found that the account did belong to me and that I owed the debt, and had a representative to swear under oath that I owed the amount of {$8100.00}. 
XXXX XXXX XXXX XXXX 's acquired this closed debt from Capital One / XXXX which they acquired the debt from XXXX. XXXX does not have any record of my information and has instructed me to contact the correspondence department to get this in writing. 
XXXX XXXX has made false statements that they investigated when in fact they had no validation of this debt because it was transferred. XXXX XXXX XXXX hired an unethical debt collector XXXX XXXX XXXX XXXX XXXX , and has taken money from me by force on a debt they could not validate. I am going to make this known to the state attorney general 's office because this has got to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I had a XXXX card open in connection with my XXXX 's XXXX memebership. When I lost my husbands income I was unable to make full payments. They then placed me in collections and refused to take less than total amount due. I was then given papers saying they were going to put a judgement against my house. I was advsied an unsecured debt could not take my home so I did fail to show up to court. I now have a judement against my property and am unable to refinance my home. I want this investigated because I am still being told they are not able to do this. I tried to offer their collection agencie XXXX XXXX XXXX a payment of {$2000.00} to settle. They advised they would remove the judgement but continue to try to collect. I am scared to pay and end up with another judgement against my home. I have no other accounts in default everyone else worked with me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The following information either TransUnion or XXXX are reporting on my credit report is false and inaccurate. 

1. On XX/XX/XXXX all three Credit Reporting Agencies report that my Ally account XXXX was PAID, CLOSED, and OK. 

2. Suddenly, on XX/XX/XXXX either TransUnion or XXXX is showing the same XXXX account XXXX as DEROGATORY, PAYMENT PLAN, CHAPTER XXXX, WAGE EARNER PLAN. 

3. This absolutely false. I leased the vehicle from XX/XX/XXXX to XX/XX/XXXX. 

4. My Chapter XXXX Bankruptcy was filed on XX/XX/XXXX, so how can this account even mention Chapter XXXX Bankruptcy? 
.

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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/XXXX I have contacted all 3 credit companies and the department of education about getting my student loans either completely off my credit report or partially off it. Reason being is because 2 are pass the statue of limitations. XX/XX/XXXX-XX/XX/XXXX. They said that they will fall off in 10years. Ive asked them why 10years when its suppose to be 7years for it to stay on your credit report. Because its still on my credit report I simply can not get a house loan. All Im trying to do is move into a house with my kids and no one will assist in removing my student loans. I understand that I still will owe on the debt that I dont have a problem with but I cant not acquire credit with the student loans being on my credit report. The credit companies tell me they cant dispute them off and the student loan company says the same thing. No luck getting any assistance with this.

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 05/15/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage company ( Green Tree Servicing LLC ) sends billing statements out late or not all. Many times the statements are not up to date ( correct billing amount ). Then they hit you with late fees and bombard you with harassing phone calls throughout the day trying to get you to pay by credit card over the phone. When I purchased the property, my aggregate credit score was XXXX and I have n't had these problems with previous mortgage companies.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Debt collection (I do not know) with American Collections Enterprise, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Getting continues robocalls to my home phone number from XXXX debt collection asking me to call XXXX or XXXX. When I call these numbers they do n't provide any information and they keep on asking me my personal information. They do n't provide anything in writing and I do n't owe any dept.

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 12/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was falsely accused of not paying an internet bill from XXXX XXXX XXXX. Months after the alleged delinquency, a collection agency was commissioned to contact me and collect the amount owed. The issue ended up being a clerical error on XXXX XXXX 's part. I verified that the bill was in fact payed on time and provided proof. The claim was removed and they corrected the problem. Now it has affected my credit score and I want it removed from my records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Bank account or service (Other bank product/service) with U.S. BANCORP (IL).
Issue: Making/receiving payments, sending money

Complaint: I am trying to make a payment to US Bank. There is no way to reach them. Online does n't work ; they no longer answer their hone at the branch. They offer no way to make payment. If I mail it, it takes up to 10 or 11 days to get there. HELP!!!

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 08-03-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm writing because I 'm flustered and have exhausted my efforts with Nationstar bank on solving my mortgage problems and hope that you can advise me in a solution. 
Nationstar mortgage purchased my loan from XXXX XXXX XXXX in XXXX of 2013. Since then I have had nothing but problems. My loan is a 30 year fixed rate with the first 10 years going to interest. I am 3 months ahead on my payments. When I receive my statement each month, I have to call them and spend at least 2 hours on the phone to get the payment applied correctly because they have applied the payment to principal. In XXXX, I received a letter from them stating that after an analysis of my account, I was deficient in escrow and my payment was going to increase due to this shortage. My statements for XXXX, XXXX and XXXX reflected the increase from {$1500.00} to {$1600.00}. My calculations show that I will have a surplus of over {$800.00} by the time my property taxes are due, so why the huge increase. My statements for XXXX and XXXX show that I owe {$1700.00} with an overdue charge for $ XXXX.When I call about the overdue charge, they say it is because they received the payment late. When I tell them that I am 3 months ahead on my payments, they tell me not to pay the overdue charge and that they will make a correction. The corrections are never made. Now they are taking money out of my regular interest payment and applying it to late fees. This has cause a shortage in my regular interest payment and they have moved the remainder to principal. They have deducted {$80.00} twice. My statements for XXXX and XXXX have the same escrow balance. Why I do n't know. I have been on the phone for hours trying to get some answers and it ends up in being disconnected, in which they do not call back. When a Nationstar representative put me on hold to talk to a supervisor and I ask to speak with the supervisor, I am promised a call from a supervisor that never calls back or I am disconnected. I have been even told that we are the bank and we can do whatever we want. I have talked to XXXX in accounting and she was just down right rude and mean. She explained that I need to pay {$1600.00} per month. When I asked why they sent 3 statements showing I owe {$1600.00} and she disconnected the call. I did actually talk to a supervisor at one time and his name is XXXX at ext. # XXXX. He told me if I have any problems call him. On several occasions I contacted him for assistance and he asks for time to research the problem and then he never called back. I want a full explanation from someone at Nationstar that knows what they are doing and will go through each and every payment since they took over the loan. Someone that will not put me on hold for 2 hours and then disconnect and make me call back and explain everything all over again to a different representative. A representative that respects their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent letters to all  XXXX  credit bureaus reporting hard inquiries that I did not authorize. While I did purchase a vehicle back in  XXXX  of 2016 I should have not been dinged for that many hard inquiries for a one time purchase. I have asked them to remove or provide me with my signature showing authorization was allowed but none of the companies can do this and all   XXXX   bureaus refuse to remove the unauthorized hard inquires on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hillcrest Davidson & Assoc (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Collection agency, Hillcrest Davidson, collected an amount far larger than the unpaid balances, by lying to me that this amount will be credited back to XXXX ( original company that engaged the collection agency ). But the amount was pocketed by collection agency and no one seems to know where the amount is. Hillcrest Davidson collected {$1200.00} from me on XXXX XXXX, 2015, while the past due balance was a small fraction of the collected amount.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I went to the social security site to advise of my change in address. The site would not accept my change due to loans and a mortgage which they say is on my account. I do not have loans or a mortgage. I could not get a credit report because they say I have loans and a mortgage which I do not have. I sent a request form to a credit report company requesting my report ; they say it will be weeks before I receive it. I do n't know if someone made a mistake or if someone is using my social security number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Other

Complaint: Dear Consumer Financial Protection Bureau : I know you are very busy so I`ll get right to the point I have a credit card with USAA and i recently opened this account this is about my XXXX payment I 've made and with the normal credit card companies they post your payment within XXXX hourswell I made my payment about XXXX days ago and it is not been posted to my account I called them and asked them why and they said they can and do hold payments for XXXX days, I have a problem with that because interest is still accumulating due to non posting of payments and when i ask about this policy no one could give me a concrete answer why? this is Egregious and I believe against accounting policy I have never had a financial institution do such a thing.I am requesting that you look into this matter and please tell me this is in the fair lending act, this just does n't seem right.thank you for your time on this matter I await your response. last XXXX numbers of my XXXX card is XXXXThanksXXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (FHA mortgage) with PLANET HOME LENDING, LLC (CO).
Issue: Settlement process and costs

Complaint: XXXX - XXXX, XXXX, CO XXXX closed his refinance on XX/XX/2016. I have attached the original final CD sent to the Title Company XXXX XXXX XXXX XXXX XXXX. It indicates that the client was to receive {$500.00} cash out at closing. The loan did not fund after the 3 day right of recession as the lender, Planet Home Lending indicated that the client was not going to get {$500.00} cash out. According to their Funding Manager, Regional Sales Manager and Account Executive the original final CD was in error and all the client was to get back was {$14.00}. Planet Home Lending said that they never sent the original CD with instructions and that the title company closed the loan on those numbers incorrectly. After days of communication ( phone calls/emails ) between Title - and Planet Home Lending they finally agreed that they had sent the original final CD by the Funding Manager but stated that they would not fund on those numbers and required the client to sign a new CD ( dated XX/XX/2016 ). This was 7 days past funding date. We were told through a conference call that they ( Planet Home Lending ) would send the client a check for {$480.00} on Monday the XX/XX/XXXX. As of today the client has not received their {$500.00} cash out as per the original CD. I believe this is a violation of TRID. 
The title company never received new closing instructions until 7 days after original funding date and with no explanation to either the title company or the client as to why the change. In reviewing the documents it is apparent that Planet Home Lending incorrectly placed the Principal Reduction in the wrong column. 
As the Mortgage Broker for XXXX he is asking for our assistance in receiving what he was promised. Please advise if he is entitled to the original cash out of {$500.00}? 

Attached : XXXX XXXX - acknowledged by client Subsequent CD - dated XX/XX/2016

Company response to consumer: Closed
Consumer complaint received 06-11-2017 about Debt collection (Medical debt) with Medical Society Business Services, Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Review of credit monitor service indi cates thon  on  XXXX / XXXX / 017   BUR MED RECON  placed  XXXX  medical accounts in collection. I 've received no notification from the collector by mail, email or phone. I do not recognize any of the items listed below. Because of the age of these accounts.     Collection item  # 1 1 ) Original Lender : Medical 2 ) Acct # :   XXXX   3 ) Age of acct : 42 Months 4 ) Highest Balance : {$200.00} 5 ) Amount Past Due : Not reported Collection item # 2 1 ) Original Lender : Medical 2 ) Acct # :  XXXX  3 ) Age of acct : 41 Months 4 ) Highest Balance : {$85.00} 5 ) Amount Past Due : Not reported Collection item # 3 1 ) Original Lender : Medical 2 ) Acct # :  XXXX  3 ) Age of acct : 31 Months 4 ) Highest Balance : {$99.00} 5 ) Amount Past Due : Not reported

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I contacted the WF with the issue below and I was informed that the issue will be addressed. It wasn't. 
1 ) Charge to card of foreign transaction fees. 
In XX/XX/XXXX I called WF and inquired if the card carries foreign transaction fees. As I was told it doesn't I have used the card during my trip in XXXX in XX/XX/2017. 
I was told by the CSR that I was misinformed and that the fees will be refunded. They were not. 
2 ) Foreign Currency ( MXN to US $ exchange fee ). The listing in T & C I inquired after the transactions were conducted that the WF takes its fee from the average of the market spot rate trading day. However the lowest of the trading band for MXN to US $ was at the lowest XXXX with the highest on XXXX ( XX/XX/2017 ) so the questions I have to WF are as follow : why the transactions have applied rates of outside of the trading band for that day : XXXX, XXXX, XXXX, XXXX which point to WF gaming the exchange rate in its favor without proper disclosure and detriment to consumers. 

3. Account bonus issue. As per disclosed marketing agreement by WF the account will receive a {$200.00} credit bonus after its initial {$1000.00} or more purchase threshold. Although I have met and exceeded this qualifier the {$200.00} credit has not been posted contrary to the credit card offer.

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