milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2017 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I received a Jumbo loan in XX/XX/XXXX from Fifth Third Bank. It was a 7 year ARM. I have never been late, never missed a payment and in XX/XX/XXXX asked 53 whether they would refi my ARM into a 30 year fixed. I paid them the application fee, submitted all docs, incurred fees from my CPA and Tax attorney and book keeper to provide additional requested documents. My current payment is $ XXXX/month. The refi would have decreased the monthly payment, lower the interest and locked my into a 30 year fixed. 

53 which is the current lender, pulled a hard score of a medium XXXX FICO. After the pull, it obviously went down a few points. I am a preferred bank account holder, which was required to qualify for the refi. It requires a minimum balance of XXXX. 

After reviewing the entire application, it was denied. Regardless of the fact that 53 is my current lendor and I pay XXXX a month, never late. What 53 did was assess the value of my loan at a ARM, induced me into filing an application, paying a fee, incurring additional fees to produce additional requested docs, pull a hard score ( lowing my score ), which makes it harder to reapply, and determine that the refi at a lower rate is a lower payment and 53 prefers to have my locked into the ARM at a higher rate. 

I am livid and feel I was misled. This is a fraudulent scheme and predatory. Locking me into a higher payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There are XXXX state tax liens that are reporting on my credit report. XXXX is from XXXX County Court XXXXin the amount of {$44000.00}. Another tax lien is from XXXX County Court Recorder # XXXX in the amount of {$42000.00} and recently updated to show {$42000.00}. As of XXXX/XXXX/2016 both state liens are fully Paid. 
However, TransUnion is still reporting with a balance due on both accounts. According to FCRA 609 ( a ) ( 1 ) ( a ) and FCRA 1681 ( a ) if after a reinvestigation is completed and the information remains inaccurate, the item ( s ) are to be deleted from credit file if reporting inaccurate.Currently is showing a balance for these tax liens that are identical. It appears on my credit file as XXXX separate tax liens when in fact it 's has always been XXXX state tax lien. 
I 've disputed several times and these tax liens still appears. On my credit file. It 's preventing me from proving a home for my family and getting a job promotion.

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 04/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
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: Chase incorrectly rebilled a charge for {$4000.00} back onto my account. I submitted a complaint. They responded to me and told me they were looking into it. In the interim, they 've charged me a late fee and over {$150.00} in interest. It 's been a week and a half since I was told they were looking into the issue and I have left several voicemails and send several emails to the person at the Chase Executive Office who  contacted me, and have not heard back at all.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Consumer Loan (Installment loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: i had a installment loan out with Check n Go in my town over two years ago. i was unable to pay it back in full, and honestly, i forgot about it. earlier this year i received phone calls from a company called " XXXX XXXX XXXX '' who claimed that they would be serving me papers at my home address ( which they had correct ) and if they couldnt reach me there, they would be serving me at my " job '' ( but did not disclose where i work ). After being scared into their tactics, they got my debit card number and was withdrawing money from my account every 2 weeks ( my payday ) in the amount of {$120.00}. 

After a month or so, i stopped paying them ( XXXX 2016 ) .... Now ( XXXX 2016 ) a man named " XXXX XXXX '' is calling me from the same company again. they have n't withdrawn any money since then and after doing a good amount of research online, this sounds like a scam. i dont know who to contact about this, and honestly, i am still unsure if this is legitimate or not.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I got behind on my mortgage payments in XXXX 2015 because my mortgage company, Ocwen, raised my payment about {$500.00}. We were paying our own taxes of XXXX per year and Ocwen decided they would pay them. They wanted to escrow {$3000.00}, consequently we could not afford our payments. I asked for an escrow audit and beginning XXXX XXXX, the payment was reduced. We can afford our payments now, but we are {$5000.00}. in arrears. Ocwen suggested we complete a HARP application, which I did. I was assigned a relationship counselor, who failed to show for 4 straight appointments. When I asked for another counselor, Ocwen told me that was not possible. Ocwen kept asking for documents that I had already submitted. This has been dragging on for 3 months. They will not accept our XX/XX/XXXX payment because of the amount in arrears. We are getting farther and farther behind. We would like to modify our loan from 20 years to 30 years, and change our payment date, because my husband does not get his social security until the XXXX Wed of each month. Ocwen has failed to respond to our calls. Their only response is " Can you pay {$6000.00}. today? We have lived in our house for almost XXXX years and do not want a foreclosure. I would also like to change mortgage companies. We 've had several different companies, but Ocwen is the only one we 've ever had trouble with.

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 EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX claim that I owe a mortgage amount of {$120000.00} within my credit report. XXXX XXXX is in violation of Fair Credit Reporting Act and Fair Debt Collection Practices Act. I have disputed the account several times with all major bureaus because it is reporting as OPEN. This account has been CLOSED and CHARGED OFF since XX/XX/XXXX which XXXX XXXX reported back in XX/XX/XXXX within my Equifax credit report. However, they changed from the correct reporting as years have passed. I printed and kept my XX/XX/XXXX Equifax correct documents when XXXX  XXXX reported it CLOSED/CO. XXXX XXXX started to INCORRECTLY report the debt as open again starting in XX/XX/XXXX. PLEASE make them report fair and correct within my credit reports. They are adversely affecting my life and I can not get permanent employment due to them incorrectly reporting a charge off as open. XXXX XXXX is engaging in unfair and outrageous methods to collect a Closed and Charged debt and other illegal financial manipulations which are apparent to be intentional.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (NM).
Issue: Application, originator, mortgage broker

Complaint: Dear CFPB : I believe Wells Fargo is participating in misleading mortgage lending practices, given the recent experience I had with them in seeking to secure a LOC ; I have an existing mortgage with them and a 25 year mortgage and banking relationship. The specific issues and practices for review include : lack of transparency on closing costs and a " surprise '' right before closing in which closing fees had increased by more than {$500.00} ; encouraging the opening of an additional account to " receive '' such fees resulting in additional account maintenance fees to me, even though I had a relationship with WF already and at least XXXX existing accounts the funds could have gone into ; and potentially illegal practices related to the use of notary services such that a notary would notarize for an individual not in their presence ; the notary in my case refused to sign. There were many other issues of incompetency, delay, and various clerical errors involved in the transaction as well. 

In my case, this LOC application process took 3 full months to get to the point of closure even though I had a 25 year history with WF including mortgages and a mortgage re-financing 2 years ago, as well as a high credit score ( XXXX ) and had NEVER missed or been late on a mortgage payment. I am concerned that other consumers with less knowledge and a less secure financial situation may be being targeted by WF and the victims of continued unfair practices even following the reforms following the 2008 financial collapse.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: EQUIFAX CREDIT HAS ADDRESSES WRONG AND OTHER DEBTS I HAVE TRIED TO GET IT CHANGED ON REPORT BUT NO RESPONSE THEY WANT YOU TO BUT ALL YOURE DEIVER LIC. ETC ON THERE WEB SITE AND CHARGE FOR EVERY AND ANYTHING YOU WANT DONE NOT ONLY NOW THAT THEY GOT HACKED THEY STILL WANT INFO.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: Back On  XXXX !  XXXX ,2017, I Sent Out A Letter To Equifa x Credit Company, As O f Today I Have Not Heard Or Recieved Any Notices From Them. So On  XXXX   XXXX ,2017 I Again Send Out Another One .All I Want Is For Them To Updated all My Information, Which Some Of Is Out Of Dated, My Personal Information, That Needs To Be deleted Is Some Address And Phone Numbers And My Name Which They Are All Wrong..I Did Send Them Proof I Send  XXXX  Document To Proof My Name And Address ..Till This Da y I Have No t Heard From  Them.And Also I See  That They Keep On Adding Negative Report And The Hard Inquierier From Companys That I Don '' t Know. We All Have Rights And Right Now I Feel That This Should Be Investigated .Iam Trying To Fix My Credit And I Hope Your Company Can Clear Up This Issue ..I Do Have Copyed Of The Letters That I SendThem.. Thank You,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX XXXX put a collections account on my credit report. The trade line should have been removed a long time ago, as the auto loan I received from XXXX XXXX was part of a XX/XX/2012 case against XXXX XXXX that found systemic auto loan discrimination. The case XXXX found that XXXX XXXX had intentionally charged minorities higher interest rates than non minorities. The loan that XXXX gave me had an exorbitant 20 % interest rate. XXXX XXXX charged me that high of an interest rate because of my national origin. The tradeline should have been removed a long time ago from my credit report as the XX/XX/2012 case found XXXX XXXX guilty of systemic discrimination against minority communities where they were charging higher interest rates to minorities to take out auto loans.

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 03/31/2017 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Other

Complaint: I had fraud on my account and I contacted the company to make them aware of it. They closed down my card but the fraud is on my current account and making my monthly minimum payment higher, my card is over the limit due to the fraud. The fraud was transferred to the new account.

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 03-08-2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (VA).
Issue: Problems when you are unable to pay

Complaint: CPS has harassed me for years by calling my work place and cell phone at least five times a day each ( from about XXXX different phone numbers ). They 've contacted my supervisor, Benefits coordinator, ex husband, parents, friends and even the salesperson who sold me the car regarding payment. They have used threat tactics on my exhusband ( threaten to charge his card if I do n't pay by due date ). They 've taken payment on unauthorized dates, and threatened to pick up my vehicle if I was unable to comply when they wanted me to even though I was proactive and trying to negotiate with them due to a nasty divorce. They have embarrassed me to friends, family and coworkers. I tried to sell my vehicle and settle with them but because I was about XXXX short on the sale price, they did n't go through with it. They were not willing to negotiate but they were willing to bully and intimidate. I opted to voluntarily surrender the vehicle but they picked up my vehicle before I could. They never returned my plates and I never got a chance to obtain my personal belongings from the vehicle. I requested documentation and a full accounting of my account, and to date they have not responded to me but are still reporting to the credit agencies. They are reporting a past due balance and a charge off balance on my reports. Before the they took the vehicle they engaged in illegal harassment practices and I am sure they did the same when taking the vehicle. This company has also loss in a class action suit against them that I was unaware of at the time. My situation is n't an isolated incident, this is how they practice business. I am highly distressed over the negative impact this has had over my life and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion is reporting my an overall debt increased that resulted on my FICO score decreasing by over XXXX points. This information is incorrect! I 've been reducing my debt significantly monthly. On personal loans and car loans alone, my debt decreases over XXXX dollars monthly. Yet because I made use of XXXX credit cards last month by an amount much lower than what I paid to several accounts lowering my debt, this company decreased my FICO score. I believe this practice is deceptive. If I understand correctly the FICO score is calculated from XXXX factors. I submitted a dispute but I do n't feel confident nor do I trust Transunion to resolve this issue.

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 01-05-2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: I have a small business account with TD Bank. I was charged an overdraft fee of {$70.00} on XXXX/XXXX/2017 for checks posted on XXXX/XXXX/2017. I had enough funds in the account to cover the checks that were posted on XXXX/XXXX/2017, but was charged XXXX overdraft fees. I called the XXXX banking department this evening to get the fees refunded to my account but was told it can not be done without an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IL).
Issue: Trouble during payment process

Complaint: On XXXX XXXX XXXX, my loan was sold from XXXX XXXX XXXX to Carrington Mortgage Services. My name is XXXX XXXX. I am the heir of the estate of XXXX XXXX. 
When my loan was with XXXX XXXX XXXX, I submitted all the paperwork necessary to change the ownership to read ESTATE OF XXXX XXXX. 
I was able to speak on behalf of the loan and conduct all transactions. 
Upon the sale of the loan, after the welcome letter, the entire ownership revereted back to read XXXX XXXX. 
I called Carrington in XXXX, XXXX XXXX and sent a QUALIFIED WRITTEN REQUEST to them AGAIN providing the death certificate and proof that the ownership is wrong based on XXXX XXXX XXXXXXXX. 
They have to date NOT changed the ownership, asked me to place a password on the loan on XXXX/XXXX/XXXX, which I did do and NOT HONOR it. 
They have charged me a {$9.00} automated violation fee which I did not authorize and I am NOT in foreclosure, so no fees should be assessed to me. This should be refunded. 
Finally, I can not even get information from them, they speak in circles. Today, XXXX/XXXX/XXXX, I tried to resolve this with XXXX, and he would not give me ANY INFORMATION. Even though previously they had confirmed they received all the documents regarding my fathers XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America Home Loans has not released a XXXX mortgage lien ( Town of XXXX, Connecticut - Volume XXXX / Page XXXX ) despite account being closed since 2006. Repeated attempts by me to work directly with BofA, in its various incarnations, via mail and phone have been fruitless. If I do receive response from them, it is only in the form of a standard letter saying the matter is being researched, but this has been the case for years now with no resolution. 

In compiling information for this Complaint, I am noticing Servicing Rights were sold to Bank of America on XXXX/XXXX/06 under a/c # XXXX. Somewhere along the way, without notice to me, Bank of America Home Loans seems to have stepped in using a/c # XXXX. That in itself is strange too. Is that legal? 

Account is being reported as 'paid satisfactorily ' and 'closed ' to XXXX and XXXX, respectively. 

Please help me get this matter resolved and the erroneous lien removed from the land records. Thank you.

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 05-11-2017 about Debt collection (Medical debt) with North American Credit Services (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: After submitting an complaint with  North American Credit Service-Mail  on  XXXX / XXXX / 17  regarding collections being placed on my credit with no proof of  VALIDATION  they responded in  XXXX / XXXX / 17  with a letter agreeing to removed the for  XXXX  but not the  one  for  XXXX . I contacted them via phone regarding this issue twice. They told me that because  XXXX   XXXX  is my daughter and her paternal grandmother took her to the doctor in another state that they would not removed from my credit and they would send me the agreement her grandmother signed. Well when I had not received the paperwork I called the company back they tried to make me give them all of my personal information I then advised them they needed to read the information that they have in their systems and I will let them know if its correct or not. THEY HAD ABSOLUTELY NOTHING correct Address phone etc. I then told them that since they did not have the correct information they could not Verify nor Validate the debt before they submitted it to the credit bureau. The gentleman then gets upset and tells me let HIM TALK AND DO NOT TALK OVER HIM because I refused to provide him with anything other than my name because his company should already have it if they Validated these collections. I then asked to be transferred to someone that will have this removed d ue to 1 ) Her father   XXXX   XXXX   XXXX  and his mother  XXXX   XXXX  signed those for ms 2 ) I do not have a contract with them nor the hospital 3 ) T hey were NEVER able to validate and verify the debt. and that it is against the law for them to place that collection on my credit. The guy told me to hold and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Debt collection (I do not know) with Premier Recovery Group (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving disturbing/harassing calls pertaining a debt ( or debts ) not mine since XX/XX/XXXX. Please refer to my prior case number XXXX ] ( XXXX XXXX. 
Since last reported to you, I have received numerous calls XX/XX/XXXX from a company called Premier Recovery Group XXXX. They leave messages indicating they have received formal complaint pertaining a debt and we need to contact them immediately at XXXX. 
Beginning XX/XX/XXXX through XX/XX/XXXX various calls from unknown numbers ; from various states such as XXXX, XXXX ; XXXX ; XXXX and XXXX XXXX. 
XX/XX/XXXX XXXX XXXX ; message from Premier Recovery Group ; final notification, file will be closed and referred out. File No : XXXX. Call XXXX. 
From XX/XX/XXXX to XX/XX/XXXX several calls from XXXX. 
XX/XX/XXXX at XXXX XXXX ; message at request of Attorney General of the State call XXXX. ( call received from XXXX XXXX XX/XX/XXXX at XXXX XXXX ; message at request of Attorney General of the State call XXXX. ( call received from XXXX ) Please note that I have no outstanding debts. I have checked my credit reports and find nothing suspicious. I have not received any correspondence in the mail from any agency regarding any outstanding debt or debts. They are harassing me regarding a debt or debts pertaining to someone from XXXX with a similar name ; different middle initial ; different social security number.

Company response to consumer: Closed