milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-05-2017 about Mortgage (FHA mortgage) with CITYWORTH MORTGAGE LLC (VA).
Issue: Closing on a mortgage

Complaint: On XX/XX/XXXX, our home was ratified/contracted for sale with expected closure date on XX/XX/XXXX. Prior to showing our home, the buyer, their agent and the lending firm, CityWorth Mortgage LLC provided a letter to our agent that the buyer ( s ) were qualified to purchase our home. While negotiations were made to put our home under contract, we accepted the offer. <P/>Between our agent and the buyers agent, several attempts by our agent were made to ensure the buyers loan had been fully approved. As the seller, we were told by our agent that the buyer 's agent stated many times that there were no need for worries as the buyers were fully qualified and will have no problems obtaining the loan. <P/>On XX/XX/XXXX, we were notified by our agent that the sellers did not qualify for this loan through CityWorth Mortgage LLC and upon further investigation with discussions from our agent, the individual handling the buyer 's paperwork had been let go. During the time between XX/XX/XXXXandXX/XX/XXXX we ( the sellers ) have had gone through the appropriate requirements, such as the Home inspection and took care of the items the seller requested to have fixed, such as Radon, Termite Inspection and  some minor repair to our roof. In preparation for settlement, we have gone through and have moved all goods from our home with the exception of the items the buyers conveyed. <P/>The buyers and their agent were well aware of our intent to retire when discussing the sale of our home which required to schedule and make arrangements to ship our goods to our new location which is outside the U.S. Per our agents discussion, the buyer and lender were to provide proof of loan qualification on or about XX/XX/XXXX <P/>The fact that we had not received any formalized proof prior to XX/XX/XXXX and were told that the buyers are fully qualified from their agent to find that they did not qualify due to credit issues points to fraudulent and negligence as well as deceit on behalf of the Buyer, their Agent and the lender CityWorth Mortgage. <P/>We received notification from our Agent on XX/XX/XXXXwith documentation that shows the buyers clearly were not qualified for the loan. <P/>We are now living in an empty home and have our goods being shipped to our new location, costing us thousands of dollars, adding stress to our lives and potential for our own financial issues due to the buyers and lenders negligence. <P/>We are filing this complaint to address this issue and make awareness to sellers who fall victims to lenders and real estate agents that assure buyers meet qualifications.

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 09-08-2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (IA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX, XXXX Iowa Sheriff The XXXX Clerk of Court of Iowa, XXXX Assessor of Iowa, XXXX XXXX Law Firm, XXXX and Wells Fargo unlawfully foreclosed and let someone purchase my home. Also VA employees, Wells Fargo employees who were involved in deceptive practices. I used XXXX to complain through the VA and the XXXX XXXX XXXX loan center got my VA loan entitlement back after the documentation and phone calls I have provided. XXXX owes me XXXX for doing this. Wells Fargo owes me XXXX for what was owed on the house. Clerk of court of Iowa owes me XXXX. XXXX Sheriff owes me over XXXX for the merchandise they threw away when they forced me to move due to a writ of removal that should n't have happened. Would like the XXXX Sheriff to pay my moving truck costs and storage unit costs of about {$1000.00} dollars.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have inquiries on this account that i did not authorize or complete personally

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Unauthorized Inquiries on my personal credit report : 1.XXXX XXXX 2.XXXX 3.XXXX 4.XXXX 5.XXXX XXXX XXXX 6XXXX XXXX XXXX.
7XXXX  8XXXX XXXX XXXX XXXX 9XXXX XXXX  10.XXXX XXXX 11.XXXX XXXX 12XXXX 13.XXXX XXXX 14XXXX 15.XXXX XXXX

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 04/15/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (MD).
Issue: Deposits and withdrawals

Complaint: XXXX XXXX has received collections letter for reimbursement of breach check from Citibank. However, I have not received a check from Citibank in the amount of {$66000.00} as of XXXX XXXX, 2016. It has exceeded a reasonable time-frame.

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 07/21/2016 about Debt collection (I do not know) with Leading Edge Recovery Solutions, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This robo call comes in every day for the last 4 months, I do n't know this company, have no outstanding debt with them and have never received written notice or proof of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Mortgage (Conventional fixed mortgage) with Eagle Home Mortgage, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: For several months, bills from Universal American Mortgage Co., LLC have been delivered to the attention of the deceased prior owner of a condo I purchased in foreclosure from XXXX XXXX in XXXX 2015. Today XXXX addressed to me arrived, claiming I owed a balance of {$7100.00}. Contact with the company revealed that they had no documentation supporting their supposed " deed loan ''. My review of the closing documents failed to reveal any disclosure of such a loan. I have no intention of paying this loan and am concerned that my credit record will be affected negatively.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax never reported payment history from XX/XX/XXXX to XXXX XXXX. XXXX never reported XXXX XXXX through XXXX XXXX on my payment history, XXXX XXXX for XXXX XXXX reported from XX/XX/XXXX through XX/XX/XXXX but did not submit to XXXX nor Equifax in XX/XX/XXXX, gave me credit for only 2 years and the loan was extended for 3 1/2 years. They stated the loan was closed on XXXX/XXXX/XXXX on the sheet that I submitted. Due to the improper reporting, this has held my personal business up tremendously by preventing me from obtaining personal mortgage loans or obtaining loans to obtain equipment for my job and personal business. I am looking for this matter to be resolved as soon as possible. This matter has also cause very high interest rates on all of my personal credit cards and the process to apply for loans in general due to a low credit score. In my opinion this is definitely unfair and a form of injustice to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint: I opened an account at bank of america, ove 20 years ago. I was told that no fees would be charged on my account as I have direct deposit. I just noticed that {$28.00} monthly fees have been assessed on my account erroneously. I attempted to speak with a supervisor and i was denied the opportunity to do so. I am requesting that Bank of America is contacted for an investigation

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 03-02-2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: The interest rate santander charge my car was priced @ {$17000.00} the interest rate is {$20000.00} leaving me to pay {$37000.00} on a used car

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Money transfer, virtual currency, or money service (Check cashing service) with ACE CASH EXPRESS, INC. (TN).
Issue: Problem with customer service

Complaint: I opened an account with Ace Check Cashing services about 8 years ago. My spouse XXXX XXXX and I both were depositing our paychecks and her social security checks into an account the last four digits of that card being XXXX. XXXX passed away XX/XX/XXXX. I tried using the card on XX/XX/XXXX and the card was declined due to the account being closed. I visited the store on XX/XX/XXXX and was told the account had been closed down due the person whose name was on the social security checks ( XXXX XXXX ) was not deceased. I asked them how was that possible when I was the primary information on the account and the person that opened the account. They only told me, the remaining balance of XXXX would be held for 120 days and I could come back then to discuss. I recently visited the store and requested the XXXX balance but was told they did not have any information on me in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Have made several attempts to get monthly payment lowered due to limited income and being widowed for 2 years with XXXX children and XXXX having XXXX whom I have been staying home with. American education services and XXXX XXXX XXXX have been notified that i am unable to make the minimum monthly payment of $ XXXX and have informed me that there is nothing they can do to lower my payment. I am willing to pay a minimum monthly payment that I can afford since I am aware that I am responsible for this loan but unfortunately the amount they want paid monthly is out of my means. There has to be something that can be done for them to help but they claim there is n't. I do n't want the loan to go into default because again I am willing to pay my payments if they are income based of course but their unwillingness to work with me is extremely frustrating. I am currently getting collection calls for late payments but I 've explained the situation to them as well and we 've also conference called American education services to see if they can work with me but with no success. I have tried to pay what I can afford but the balance is still accumulating and it does n't make any difference to them. I am unsure of what I should do next.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Checking or savings account (Savings account) with ALLY FINANCIAL INC. (MD).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I have maintained Savings and several CD accounts at Ally Financial for ten years. In XX/XX/2017, without my request or authorization, someone at Ally changed the first name on my three bank accounts to a different first name ( same last name ). The name they used is not my name. The change was made unilaterally, without consulting me. I noted the error upon logging in to their website in XXXX of this year. I contacted their customer service department and explained the issue. I have now made three separate phone calls and followed up with four emails to Ally customer service. I have sent photocopies of three different forms of identification. The time I have devoted to this problem is now more than three hours. My most recent contact with the company ended when the customer service representative abruptly hung up on me.. I have repeatedly requested that someone from the company contact me and explain why the name on my account was changed. The company has still not changed the name on my accounts and no one from the company will explain to me how this happened.

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 02/20/2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America/ We began calling in XXXX of XXXX. We faxed all papers requested. We followed all and in XXXX of XXXX, we were told we can walk into any branch to file our paperwork. Mind you our mortgage is always paid on time. It is the equity line of credit that they began asking a few dollars short of our mortgage payments that we need lowered. To date we have paid interest monthly, however they feel tripling the amounts we should be able to pay. The facts are I only recieve social security, do not file federal taxes do to my age, and need the equity payments re-evaluated. The bank has asked for same forms over and over, we faxed mailed and can not pay a double mortgage. we explained this only to be refured to a counselor whom informed us that the making homes affordable is no longer. Than today i called the hot line only to be told it is. At this time i need some one to investigate the bank, and the referals they are giving. The bank for not working within the time allowed and the refferal agency for miss leading people. We do not want to loose our home. we only want a lower payment.

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 09/20/2016 about Credit card () with JPMORGAN CHASE & CO. (MI).
Issue: Application processing delay

Complaint: I APPLIED FOR A CREDIT CARD ONLINE, ON OR AROUND XX/XX/2016. I WAS TOLD I WAS APPROVED FOR A CREDIT CARD AND WOULD MUCH LIKE TO DO BUSINESS WITH THIS COMPANY. I HAVE CONTACTED THE COMPANY DIRECTLY AND VERIFIED MY IDENTITY, DUE TO AN ALERT ON MY CREDIT. AS OF XX/XX/2016, I HAVE HAD THE ALERT REMOVED FROM MY CREDIT FILES, TO AVOID ANY HINDERING OF THE APPROVAL OF MY CREDIT CARD APPLICATIONS. I HAVE TRIED CONTACTING THE COMPANY AGAIN OVER THE PHONE, BUT TO NO AVAIL. MY CREDIT SCORE RANGES BETWEEN XXXX AND ABOVE. ONCE AGAIN I HAVE PROVIDED MY PERSONAL INFORMATION, INCLUDING NAME, SS #, DOB, AND ADDRESS, TO THE COMPANY VIA PHONE.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the Bank of America account .Ive Been trying to verify this account for four months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To who 'm it may concern, I am writing this dispute on behalf of Equifax. I have contacted Equifax via phone and via certified letter on behalf of XXXX unauthorized hard inquiries. I have had a fraud alert in my credit file before also my personal information was convined with someone else 's personal information now I have a fraud alert due to identity theft that indicates anyone who runs my credit needs to contact me to verify if it 's me seeking credit and that was n't done and that violates my rights as a consumer. I have reached out to Equifax on more than one occasion to advise of my credit being pulled with out my permission and request them to delete the inquiries with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Acceptance Corp. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a car loan with the company Mid West Acceptance. The vehicle I had I traded it in a a dealership for a new vehicle XX/XX/2014. Mid West Acceptance Marked me late on my payment for A payment when I no longer owned the vehicle. I spoke with a supervisor at Mid West Acceptance and he stated I got a late payment on my credit because of the dealership I traded the vehicle into.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Today on XXXX/XXXX/XXXX I called Transunion, since there was a 35 point drop in my credit score. My Transunion report was missing tons of information. When I asked why my credit scorXXXX at Transunion had dropped 35 points, he said he had no idea as well. I think proceed to ask the representative what my credit score was. He said because XXXX XXXX was a third party site ... my credit score was a different with Transunion. I then procced to ask him if he could tell me what it was, he said that he could not give me the number over the phone, then put my on hold. Then came back from hold and told me if I wanted to pay {$9.00} he could give my credit score and that he would n't give me the number because my credit score apparently only belongs to Transunion and unless I pay the {$9.00}, I would not be able to get my score.

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 07/18/2016 about Debt collection (Credit card) with Capital Management Services, LP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On behalf of XXXX, a debt was settled through XXXX XXXX , XXXX . Some months later, Capital Management Services , LP tried to collect the same debt. I wrote to Capital Management explaining their error and received no response. Capital Management continues to send mail demanding payment. 

Attachments : 1. My letter of explanation to Capital Management 2. Capital Management 's demand for payment 3. Settlement letter from XXXX XXXX 4. Canceled check sent to XXXX XXXX with reverse stating " For Deposit Only, XXXX XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (ID).
Issue: Loan servicing, payments, escrow account

Complaint: My wife, who originally purchased this home from Wells Fargo Mortgage, has fallen ill with XXXX, and I took over her affairs. Wells Fargo, when we first applied for a " Modification '', accepted this fact, and has allowed me to work with them until now. They modified the Loan, and both myself, and my wife ( through the Court because I now have Power of Attorney ) signed all Contracts and Forms, including a Form to take their Mortgage Payment from out XXXX XXXX Account automatically. I stated, emphatically, that the payment must be taken out of our Account on the first day of the XXXX, not sooner, or later. To date, they have tried to take out a payment XXXX or 7 days after the first, which I thought had ben paid as agreed in the contract, and there was not enough funds to pay the Mortgage Note. I spoke to someone who stated they he was a XXXX Representative, and stated Wells Fargo has no control on when the payment would be taken from our Account, yet ; stated he would make sure to extend the payment until the next due date, and would take it out on the first day of XXXX. This time, the payment was sent to our XXXX XXXX 4 days before the end of XXXX, which obviously would mean the payment would be returned unpaid. Yesterday, I received XXXX different Notices from Well Fargo Bank stating our Loan would be in Default unless we paid them over {$1000.00}. After speaking to yet another person, they stated I would not be in Default if I made a payment on the first of XXXX. I stated I would do this, and the lady routed my call to their Payment Center. When I spoke to the Representative, she was somewhat rude and condescending when I started I would give her my Debit Card Number for them to take the payment on the first of XXXX. The Representative stated she would not accept my card because she did not see anywhere on the paperwork that would allow me the right to make payments on this Account. Plus, she stated that there was no evidence that I had Power of Attorney for my wife, and she refused to accept a payment from me. As I said in the beginning, I signed several Contracts, along with my wife, to Modify the Mortgage Loan, and had these Contract 's Notarized by the XXXX XXXX XXXX, as well as I have full access to my wife 's Mortgage Account. Therefore, this is an obvious attempt to harass and deny me the rights given to me by the Court, and as my wife 's Power of Attorney. If I am on the Paperwork, as well as on the Contracts with my legal Signature affixed, why would anyone at ells Fargo deny me the right to make a payment? This is very concerning to me since Wells Fargo has already shown either disdain, or just plain ignorance.to the fact that I personally signed and Notarized a Contract that stated they MUST take their payment on the first day of every month.

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