milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2016 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (NY).
Issue: Application, originator, mortgage broker

Complaint: There was a representative from M & T Bank at the closing ; and I have been making mortgage payments to M & T Bank since I closed on the apartment. The HUD-1 ( see attachments XXXX & XXXX ) a copy of which was received from M & T Bank states that {$110000.00} was received as new loan from XXXX and {$7500.00} as XXXX XXXX also from XXXX. These amounts are also stating on other documents received from M & T Bank ( see attachments XXXX & XXXX ). Therefore the total that should have been received from XXXX is {$120000.00} ( {$110000.00} + {$7500.00} ). Instead XXXX provided XXXX checks totaling {$110000.00} ( {$59000.00} + {$58000.00} ). The seller was paid {$59000.00} and the Bank owning the current mortgage on the property was paid {$58000.00} ( see attachment XXXX ). These checks are also mentioned in the letter dated XXXX XXXX, 2016 from XXXX in which it stated that " we are also enclosing copies of the checks from XXXX, which were requested by and provided to your attorney '' ( see attachments XXXX & XXXX ). 

This means that there is a difference of {$8400.00} ( {$120000.00} - {$110000.00} ) before the payment of closing costs. Assuming an average closing costs of {$3000.00} for the purchase of a co-operative - this means XXXX is overstated by {$5400.00} ( {$8400.00} - {$3000.00} ). 

Another way to calculate the overstatement of my mortgage is to use the closing costs documented on the HUD-1 which XXXX stated is the final accounting for my mortgage. The total closing costs on the HUD-1 is {$6000.00}, so clearly there is already a difference of {$2300.00} ( {$8400.00} - {$6000.00} ). The total closing cost of {$6000.00} includes amounts that were never paid and {$2000.00} which was paid by another XXXX. There is a {$300.00} for review of recognition that was never paid and a {$1000.00} for settlement fee that have not been paid. My attorney stated that the {$1000.00} was a bank charge and it had nothing to do with him, however, in the letter dated XXXX XXXX, 2016 from XXXX, it is stated that the {$1000.00} is my closing attorney 's settlement fee and that it was made payable to my closing attorney. This is disturbing ; my attorney said he had nothing to do with this {$1000.00} and XXXX is telling me they paid it to my closing attorney. WHO SHOULD I BELIEVE? 

Therefore, adjusting the closing costs on the HUD-1 this indicates that XXXX mortgage is overstated by at least {$5700.00} [ {$8400.00} - ( {$6000.00} - {$2000.00} - {$300.00} - {$1000.00} ) ].

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with TIAA, FSB (CA).
Issue: Application, originator, mortgage broker

Complaint: I am a XXXX year old woman on a fixed income and had a terrible experience getting a mortgage for a condo. I had signed all the papers, was told that there were no problems, the 30yr fixed loan would be approved in a few days and had been sent for final approval. I gave notice at my apt because I can not afford overlapping payments. 
The broker called and told me the 30yr fixed loan could not be approved because there are more than XXXX % renters in complex - SOMETHING HE SHOULD HAVE CHECKED ON IN BEGINNING OF PROCESS. He offered me an ARM. I initially refused. The broker and agent pressured me that I would not get my {$13000.00} deposit back because I signed the contingencies ( never explained ) and that the sellers would most likely sue me and also, possibly, the people they were buying from would sue. My apt had been rented and I had nowhere to go so I went ahead with the deal. 
The loan officer pledged to give me his {$2800.00} commission at signing, which I have in writing. ( So he would n't get in trouble and to reimburse me for the agony. ) My realestatae agent originally made the offer by phone. I signed on XXXX XXXX, no {$2800.00}. I have contacted the broker a number of times and he does not respond. The real estate agent is n't helping. 
The loan officer, who was also rude and accidentally forwarded me an insulting message sent to one of his coworkers, is XXXX XXXX, XXXX ID XXXX, XXXX XXXX, XXXX XXXX, phone : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Checking or savings account (Checking account) with FIRST CITIZENS BANCSHARES, INC. (MN).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: XXXX   XXXX   closed near my home, so I went in person to the branch in the   XXXX   XXXX   to close it .I told them I would pay in full what ever needed to be paid and close the account, your employee assured me it was closed when I brought it to a   XXXX    balance.I paid the balance up and was told by your employee the account was now closed.Since then I have been receiving overdrafts from dates after it was closed.My automatic deposits were changed at the same time that I closed the account.I tried to contact the bank at the number given me, no response, it went directly to music and I waited as long as half an hour with no response! I am   XXXX    and can not be traveling miles to do my banking.I would appreciate it if you would quit harassing me and keep the account closed as it was in  XXXX .And I do not owe any overdrafts on a closed account! Your prompt attention would also be appreciated.I had 4 other people along the day I closed the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-03-2016 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: THERE IS INFO ON MY REPORT THAT IS NOT MINE AND INCORRECT PERSONAL INFORMATION I NOTICED WHEN IT WOULD NOT LET ME LONG IN TO LOOK AT MY REPORT BECAUSE OF THE FALSE QUESTIONS IT WAS ASKING ME

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Credit reporting () with Experian Information Solutions Inc. (HI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have on several occasions sent several letters to the bureaus stating that the disputed accounts are not mine and also asked for verified documents, as per FCRA 605B, 15 U.S.C. 1681c-2 and FCRA 15 U.S.C. 1681. They have not Once sent a letter showing that i signed for any such credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: This is in regards to my Santander XXXX checking account. This account gives a {$10.00} bonus 2 times each month for a total of {$20.00} dollars. XXXX bonus ( {$10.00} ) is for having a direct deposit of at least {$1500.00} each month and the other bonus ( {$10.00} ) is for making a total of XXXX bill payments from the Santander website per month. 

I did not receive my bill pay bonus ( {$10.00} ) for XXXX separate months. Those months were XXXX of XXXX and XXXX of XXXX. 

During XXXX I made the following XXXX bill payments : XXXX. XXXX XXXX, XXXX - {$530.00} bill payment to XXXX XXXX Credit Card ( XXXX Card ) XXXX. XXXX XXXX, XXXX - {$610.00} bill payment to XXXX Credit Card ( XXXX Card ) During XXXX I made the following XXXX bill payments : XXXX. XXXX XXXX, XXXX - {$480.00} bill payment to XXXX XXXX Credit Card ( XXXX Card ) XXXX. XXXX XXXX, XXXX - {$14.00} bill payment to XXXX XXXX Credit Card ( XXXX XXXX Card ) I called Santander on XXXX XXXX. During this call a representative helped me open a case which was escalated and would be resolved in a week. I received a call on XXXX XXXX from Santander bank informing me my request had been denied and that I did not make XXXX bill payments from my account. I do not agree with this and the records on my account show that I did indeed make the required XXXX bill payments. I was not able to further escalate the case over the phone. 

I would like Santander to fix this issue and follow through with giving me the XXXX bonuses for {$10.00} each ( {$20.00} total ) as the account terms indicate.

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
Consumer complaint received 11/25/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION ().
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: About two months ago, Kohl 's began calling to collect for purchases and for added interest and late fees. I have not seen the charges, but I believe purchases are in the approximate area of {$100.00} and interest/late fees take the charges to {$250.00}. They have the incorrect address and phone number and will not accept my current address, saying their system can not handle an address overseas. I have never received a statement explaining the charges they want to collect for. I have received numerous phone calls from polite ladies, and have given them my correct address ten times or more. They refuse to change my address and continually maintain an address in XXXX where I have not resided for several years, whoever is living there does not know me and vice versa. I do not have the credit card if they sent one, it went to an incorrect address. So I have no account number to look up my account online and they refuse to send the bill by email or by regular mail. 
I have requested to speak with managers and supervisors with authority to help me see my statements. Unsuccessful. I was transferred to the President 's Office, no answer. I called the Legal Department and left a message to return my call ... no return call.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Banks that listed that I have n't banked with open mortgage loan in a different state that I never lived in accounts opens to different store that are charged under my name

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AK).
Issue: Customer service / Customer relations

Complaint: On XX/XX/2016 I submitted an online payment of {$7000.00} to Bank of America. Bank of America took {$70000.00} out of my bank accounts. I have tried since XX/XX/XXXX to get a refund but to no avail. I spoke to XXXX XXXX at claims to try and resolve the issue only to be told they have to wait 10 business days to refund my money. He informed me that on XX/XX/2016 that they would refund the money to XXXX the account. A letter from my bank stating that was an incorrect payment did not expedite the refund.

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 05/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a HAMP modification with CITI and was denied because they said my NPV results were negative. This is only because they refused to accept my additional freelance income of {$1000.00} per month, and I provided pay stubs and a profit and loss statement.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This is the second compliant I have filed against Equifax for the same reason and the same credit card company. I am fed up with Equifax, if the cant report the correct information maybe the should be in a different business. This makes me think they sabotage consumers credit intentionally. I have a credit card with XXXX that is not over the limit and the payments are up to date. The Equifax is reporting that my credit card is over the limit and 120 days past due, this is a flat out lie. Again, I ask why are n't the other credit reporting agencies reporting this nonsense, no one is reporting this but Equifax. My next step is to file a lawsuit against Equifax for intentionally reporting incorrect information. After they reported this incorrect information this caused my credit score to drop XXXX-XXXX points. I have documentation showing this credit card IS NOT behind and its not 120 days past due! I am sick of incorrect information being reported by this bureau. I want my credit report corrected today!

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (MO).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: XXXX with XXXX XXXX XXXX at phone number XXXX is harassing third parties connected to me by constantly calling them to obtain my location information after they have informed her that they do not know any of my 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
Consumer complaint received 01/25/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX Mortgage is reporting account open with a balance of {$33000.00}. This account should be reported as closed and XXXX Balance. It was included in my Chapter # XXXX bankruptcy discharge on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The Fair Credit Reporting Act was established as Section Nine XXXX 9 ) of the 1970 Currency Act, otherwise known as Public Law 91-508, and subsequently amended many times. It was established to protect consumers as well as the commercial banking industry. It also establishes a playing field for full disclosure on the validation or verification of credit trade lines or items of public record. 
An item of public record being a judgment granted to a creditor against an individual, having the right of being on a credit bureau, that are part of credit reporting agencies ( CRA 'S ). These items have a right to stay on one 's credit report for XXXX XXXX 10 XXXX years from the date the judgment was granted. However, several changes have been accomplished recently based upon rules on re-aged debts. 
Bankruptcies have a right to be maintained on credit bureaus for ten XXXX 10 XXXX years, be it a Chapter XXXX or Chapter XXXX. 
I personally, as part of my right under the Fair Credit Reporting Act have a right to know where an item of public record originated from, such as a public record vendor. It must be presented to me who the public record vendor was, their contact information, and a person XXXX s ) responsible for the maintaining of any true copy original of an item posted against me on any credit bureau ; i.e., XXXX Trans Union respectively. 
Accordingly, I have submitted a request for full authenticity of a bankruptcy posted against my credit bureau, and that no disclosure has been submitted to me as to where this information originated from. 
I respectfully request that since the credit reporting agency in question has failed to live up to the high standards of the Fair Credit Reporting Act, that this bankruptcy listed be deleted permanently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom It May Concern : My circumstances have increased for the better, yet my lender is refusing to work with me at all. They have even discouraged me from making mortgage payments. I was injured on my job as XXXX in XX/XX/XXXX. Since, then I have been struggling to keep my home. Now, I can afford to pay the mortgage, yet the lender did not want me to start making payments and when I did make a mortgage payment, they informed that it would not count towards my principal balance, but would be held in a separate account ( Please see the below listed letter that I recently sent to them ). Also, I have my original emails and Hardship Letters, if they are needed for your investigation ). 

Property Address : XXXX XXXX XXXX XXXX, Loan Number : XXXX XXXX XXXX, CA XXXX Hi XXXX and Hamp Escalations, I just left a very detailed voicemail for XXXX XXXX at ( XXXX ) XXXX asking again when I can expect to receive the below listed documentation. 

I also mentioned that, once again, there should not be anymore negative reporting to any of the credit bureaus, since I made a mortgage payment last month ( XX/XX/XXXX ). 

After speaking with a real estate attorney, my mortgage payment should not have been reluctantly received and placed in a separate account, as explained to me by XXXX XXXX XXXX. It was very difficult for me to even make that payment because XXXX XXXX told me not to make the payment because the Attorneys from your ( Bayview Loan Servicing ) litigation foreclosure department was already involved. Then, XXXX XXXX explained further that my payment would not go towards paying off my principal mortgage loan amount, but it would be placed in a separate account. 

So, here I am trying to make a mortgage payment and Bayview Loan Servicing is telling me not to pay my mortgage? It seems like Bayview Loan Servicing is not trying to help me keep my house, but instead wants to take my house from me. 

I have attached my Hardship Letter from last year and I am in a much better situation to keep my home. My home has equity and I am generating more yearly income ( Please see attached documentation ). So, I am having a difficult time trying to figure out why you will not help me keep my home. 

Well, as you can see, I am prepared to fight to keep my home for my family. Especially since my circumstances have improved tremendously! 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (WA).
Issue: Problems when you are unable to pay

Complaint: RE : Creditor is falsely and misleading the amount owe on recent balance on my credit report. 
In a recent dispute with XXXX, Exeter Finance Corp stated the recent balance was updated to {$6400.00}. They also verified that the information they are reporting was verified. How is this possible? 
You are allowing this company to furnish an incorrect balance. The balance needs to show {$0.00} because this account was paid in full by the asset protection insurance attached to it. Please correct to {$0.00} or delete this account immediately. The account is charged off. 
This is a false and misleading tactic used by the creditor and is it illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Debt collection (Credit card debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: SUB - I want Creditors/Banks and credit bureaus to consider my case and remove all the derogatory statuses from my credit report that got reported from XX/XX/XXXX. 

Summary - All my credit cards went to Past Due/ Charge Off/Closed/ Collection statuses for no fault of mine.I never had any derogatory marks on my credit score/history in the past but, unfortunately in the past couple months everything changed and started receiving collection notices. 
One of the company named " XXXX XXXX XXXX '' approved me a special purpose loan and promised in the agreement that they will take care of all the credit card debt I owe to the banks.As per the agreement I have to pay " XXXX XXXX '' a low fixed interest rate for all the debt I owe to creditors. ( The payment includes the total Credit Debt $ + Lower interest rate ). 
I was asked NOT TO PAY a single Penny to credit card companies from the day XXXX signed the agreement with XXXX XXXX XXXX as they are taking ownership of the debt. 
Once I signed the agreement I started paying XXXX $ + to this company every month fromXX/XX/XXXX. I did make the payments to this company for almost a year but, it never paid a single penny to the creditors. I did follow up with the company asking the status and I was always told that the debt validation is in progress and takes some time. Recently, the company was sued for fraudulent claims and promises and all the website info, contacts no longer exists. I have no clue whom to contact and how to get this resolved. 
XXXX XXXX XXXX For all this time as the company " XXXX XXXX XXXX XXXX never made any payments to the creditors, creditors started reporting it to credit bureaus and now all my accounts are in collection phase. I called the banks/creditors and tried explaining the situation but, they said they have no alternatives except the collection of the " DEBT ''. 
This made me go into financial crisis. I have no clue what to do and how to proceed. 

All this happened for no fault of mine. I want all the collection notices, derogatory marks on my credit report to be taken off. I even disputed the credit reports with all the credit bureaus but, no good happened everything was same and no changes made.

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 02/27/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NE).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have tried to work with Navient to reduce my payments so they are affordable with my Federal Loan payments. Currently I am paying {$600.00} combined for these loans and no one is willing to assist me with making this payment affordable. I recently had to file for bankruptcy due to my high student loan debt. I am currently paying a variable interest rate of 8.25 % on nearly a {$30000.00} loan with Navient and they are unwilling to work with locking in a reasonable interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Credit Bureau did not remove a paid lien which was withdrawn by the IRS.

Company response to consumer: Closed with explanation