milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2015 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (KY).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my home with 5th/3rd Bank. The mortgage was to include escrow and taxes. After the loan closed I attempted to cancel my automatic withdrawal for my homeowner 's insurance. I was advised a balance of {$970.00} remained and would continue to be deducted monthly through XXXX. The bank 's explanation is that they did not receive the full attachment sent by my insurance agent indicating a balance remained. The agent has proven to me that he sent the full attachment and that 5th/3rd Bank did not contact them when they received only XXXX page, therefore my XXXX statement was inaccurate as it did not address the remaining balance owed for my homeowner 's coverage. 
I believed, in good faith, that they had collected the correct information and that the disclosed escrow amount took into consideration my current balance. 5th/3rd is at fault for not determining the balance due on my homeowner 's insurance. When I asked them to rectify this after the loan closed they would not recalculate the escrow to make it correct. Thus, for the next 6 months I will be paying an additional {$160.00} per month for insurance. This was not the deal I made with 5th/3rd and poses a financial hardship for me. Through no fault of mine, I will be financially strapped to make this additional payment through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Mortgage (Other mortgage) with PNC Bank N.A. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: The lender filed for lender foreclosure in XXXX 2016 but has not moved forward with any action since the filing. The community has suffered by watching the property go into disrepair. Currently, trim is falling from the home, the siding is covered in green algae, the back yard is full of trash and piles of debris, the lawn is not being cared for, plants are overgrown, lawn is waist high, plant beds are full of weeds taller than most people. The community has patiently been waiting for the home to sale but every offer ends without a sale and the real estate sign disappears for months at a time. The second real estate agent 's sign disappeared about a month ago but no sale took place. We are uncertain that the home owner resides in the home and question the safety and health of these residents if they do. Activity is spotty and has been less and less over the past few months. In the beginning of the year, a car was parked in the driveway almost every day but now residents report no one has been there in weeks. The surrounding residents are afraid that the condition of this home is lowering property values in addition to attracting wild animals to live in the neglected conditions. The entire community is troubled that the mortgage process has been allowed to carry on for so long without action on a home that will ultimately end in foreclosure because the owner has abandoned the home.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " XXXX XXXX '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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 03/30/2017 about Mortgage (VA mortgage) with GUARANTEED RATE INC. (IN).
Issue: Application, originator, mortgage broker

Complaint: I applied for a VA mortgage loan from Guaranteed Rate XX/XX/2017. With XXXX mortgage lender XXXX, XXXX, IN XXXX.XXXX requested for my permission to pull my wife XXXX and my credit reports and we did. At that time he requested for my wife and I XXXX, XXXX XXXX 's and tax returns. Which we submitted. XXXX said base on our credit and income he could get us approved for the VA mortgage loan. So my wife and I agreed to the loan process. XXXX processed my loan through and stated because of my bankruptcy was not 2 years out it would be a problem. I informed him that VA will allow Hardship letter to be accepted for the 2 year waiting period after bankruptcy. He checked into it and contacted me. Saying that he would give me an pre-approval letter, but he did n't want to sign his name to the pre-approval. So he suggested to get a full approval by a manual underwriter my wife and I agreed. After looking at my credit report and income XXXX VA mortgage loan was to have me sign a loan application, which my wife and I did. We began the process with no pre-approval loan letter under the understanding that the underwriter would approve our loan. We sent in every document request by the loan processor XXXX Mortgage consultant and XXXX XXXX. XXXX, XXXX and XXXX all knew what was on our credit report and my hardship letter for the 2 year waiting period. My hardship letter was acceptable for the VA. I contacted the VA Affair inquired about accepting my hardship letter and they inform me it would be accepted, but the lender would be the one 's to accept it or not. On XX/XX/2017, I received a phone call from XXXX saying my loan was denied. For the bankruptcy and a late payment on my credit card from last year. So I asked did the VA not accept my letter of hardship to reference the 2 year waiting period and he said his VA underwriters would not accept it. Alone with some late payments on my credit card. I said really. You had me wait a month to tell me we was denied the loan. Even after you knew my credit report history and why I did a bankruptcy, but you still sent it to underwriter to denied me the VA mortgage loan. XXXX then stated if you contact me in XX/XX/2017 we will be able to get you approve, because it will be after the 2 year waiting period. So really I did n't get the loan because they did not want to accept my hardship letter. How is that ethically moral. I feel like I was took advantage of, because they knew they was n't going to give me a loan. After taking the HUD Home buyers class. I was inform that before going to the underwriter I should have been giving a pre-approval letter. Which I never received. This mortgage company took me for a roller coaster. By pulling my credit and causing our score to take a hard hit. Misleading and misinforming us on the VA loan processed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: Ocwen Loan Servicing and its California attorney XXXX have responded to my consumer complaints with nothing but lies. You Ocwen XXXX want a fight, you got one.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit card () with BARCLAYS BANK DELAWARE (NJ).
Issue: Advertising and marketing

Complaint: On XX/XX/XXXX I had called Barclays Credit to see why I have not been accruing points. A very nice person named XXXX told me about an offer where I would be able to obtain a loan from Barclays for {$4000.00} I was told that this process would take 2-3 days and the money would be in my account. This was told to me as an incentive as opposed to a balance transfer since the speed to which I would get my funds would be 2-3 days as opposed to 7-10 business days. I was also told that my APR would be 0 until XX/XX/2016. 
I submitted this request with XXXX on XX/XX/2016 and was told that I was approved and to expect the money in my checking account by the end of the week. This was not the case. I called Barclays several times and was told that I was misinformed and that this is considered a balance transfer and would take 7-10 BUSINESS days not regular days. Im am upset as this is clearly a UDAAP issue as I dont have the funds and there is a hold on my account for {$4000.00}. In addition I was told that my current account would start to accrue apple points and it has not. This is not fair and extremely deceptive. In addition they told me the request was placed on XX/XX/XXXX which is inaccurate.

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 10/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southern Management Systems Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX claims that I ruined a couch they furnished to me. The couch in my apartment was perfect when I left it. They only sent a final notice letter to me to collect for it six months after I moved out of the unit. When I asked for pictures of the " ruined '' couch, they sent a picture of the underneath of one couch cushion that had a stain on it with a date marked on a dry erase board. They could not even prove it was the couch in my apartment. Even if it was, I did not cause the stain, and a small stain on the underneath of one couch cushion does not warrant a {$500.00} charge for a new couch. I tried to negotiate with them, saying I would pay for the couch if they gave it to me. They told me they no longer had the couch. They have no proof this couch was even the one in my apartment.

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 06-08-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My loan originated XX/XX/XXXX. At that time I was advised by my lender that once my home reached a certain value and my loan was deemed less than XXXX % of the value I could have my mortgage insurance removed/cancelled. In XX/XX/XXXX due to home values increasing I contacted Wells Fargo to inquire about having my mortgage insurance removed/cancelled, they stated to me I had to wait until the loan was XXXX XXXX XXXX which would be XXXX XXXX. Well XX/XX/XXXX I contacted Wells Fargo. They stated that I reached the 5 years but my loan principle had to be $ XXXX. I asked them where they got that figure considering my home value has increased and they could not give me an answer. I spoke with several other parties including a real estate attorney and other mortgage professionals whom stated that Wells Fargo should be advising that I can order an appraisal to show that my value has increased and that my loan was under the 80 % requirement. I reached out to Wells Fargo again on XX/XX/XXXX and they stated they would mail me information on how to get my mortgage insurance removed. It is now XX/XX/XXXX and I have not received this letter. Additionally I pay {$170.00} per month for mortgage insurance. Based on my home value and reaching my 5 year requirement I should have had this removed by XX/XX/XXXX first 's payment. I have paid a total of {$520.00} in Mortgage Insurance premiums that are not necessary as my principle balance on my loan is well below the 80 % requirement. Please help in getting this resolved. Wells Fargo likes to offer me to refinance but WHY would I add years to my loan when they can simply remove my mortgage insurance.

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 03-01-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My student loan is XXXX I only borrowed XXXX navient just keeps giving me forbarences and deferments I have been a XXXX  in ny for 16 years and I should have had my loans forgiven. Navient never enrolled me in the program. I filed chapter XXXX bankrupcy in 2015 and navient has not removed the loan from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Credit line increase/decrease

Complaint: Synchrony Bank continues to lower my credit limits. They started doing this when I was going through issues with my mortgage lender. I have no late payments on any of my cards with them or any of my other credit cards. Now that my issue with my mortgage lender is resolved I also have no late payments with my mortgage lender. Despite this, my credit is ruined because I have multiple cards with Synchrony. Each card systematically gets reduced to the nearest {$100.00} increment above the current balance which makes the card maxed out. Even if I make a large payment, they lower the limit to just above the current balance and cite balance to available credit proportion as the reason. The reason that they created by lowering my limits!

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 06-12-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XXXX/XXXX/XXXX, I was charged a late fee of {$30.00} on a balance of about {$600.00}. I was not able to make a payment online due technical problems of Comenity-Overstock 's website. I called the customer service center on XXXX and paid my entire balance in full ( minus the late fee of {$30.00} ) as the representative on the phone informed me that the late fee will be waived. On XXXX/XXXX/XXXX, I was charged a late fee of {$27.00} and subsequently a minimum charge of {$2.00} due to the {$30.00} late fee balance that I did not pay. On XXXX/XXXX/XXXX, I reached out to customer service again, this time via the message center. On XXXX/XXXX/XXXX, a representative responded saying that they have credited the {$27.00} late fee and {$1.00} minimum charge ( not sure why not the full {$2.00} ).  They did not address the {$30.00} late fee from XXXX/XXXX/XXXX that was supposed to be waived as well. On XXXX/XXXX/XXXX, another {$32.00} late fee and {$2.00} minimum charge was assessed once again on that {$30.00} late fee balance. I reached out to customer service again via the message center, but no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-01-2017 about Debt collection (Private student loan debt) with Professional Bureau of Collections of Maryland, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In XX/XX/XXXX I joined a school called XXXX XXXX XXXX and I took a private loan out for the amount of $ XXXX. Before I could finish the program XXXX XXXX XXXX went bankrupt. XXXX XXXX XXXX ( my loan provider and the preferred choice loan for XXXX XXXX XXXX ) went to court in Nevada. The Nevada courts decided that neither one of those two companies were at fault for their fraudulent actions and did n't protect us little people by protecting us against XXXX XXXX XXXX. So basically since I did n't complete the program that was suppose to give me a career, I did n't pay back the loan. I could n't afford to pay {$1400.00} a month on a loan for a certificates I never was able to get and for a job I was never able to get. I should n't be held down by these companies who for some reason have no heart for we the small folks. I did n't pay on these loans and never will ... XXXX XXXX XXXX XXXX dropped off my credit back in XX/XX/XXXX. I lived with bad credit for many years. I have since repaired my credit and had it in the low to mid XXXX 's. On XX/XX/XXXX this year a company called XXXX XXXX XXXX picked up or bought my old out of date student loans and turned it over to a collection agency called Professional Bureau of Collections. PBC has put these old private student loan debts back on my credit by saying it is new and they are also saying I paid on the loan in XX/XX/XXXX which is a lie. I called PBC and told them what they are doing is illegal by saying my old debt is new and the debt had a payment in XX/XX/XXXX. I called XXXX XXXX XXXX but they will not return my calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Bank account or service (Checking account) with BB&T CORPORATION (NC).
Issue: Making/receiving payments, sending money

Complaint: This is aimed towards the BB & T Branch at XXXX XXXX XXXX XXXX Phone number XXXX. On XX/XX/2017 there were several fraudulent checks deposited into my bank account ( that did n't even have my correct signature on them ) in the amounts of {$8800.00}, {$360.00}, {$200.00}, and {$250.00} I immediately went to my bank the next day they were opened ( Monday ) and attempted to file a claim. I was told that i could n't file a claim until the checks posted in my account ... .I said okay and immediately after i left the bank i went to file a police report so they could get the video footage at the ATM that the deposits were made. After a few days without hearing anything at all I went into the branch to see if i could file the claim now. I filed the claim ( on all of the deposits except the {$8800.00} amount since it did n't post in my account yet ) and waited to get results on how long i was going to be able to recieve the original funds in my account before the fraud checks were deposited, which is {$630.00} as of XX/XX/2017 ( and i also have photo proof of that amount ). I also called the Centralized Fraud Claims team multiple times while waiting on a time frame, just to be sent to another department and had to wait another 20 minutes to get somebody on the line. It was very frustrating. Bb & t finally got photo proof of the individual who made the deposits ( and OF COURSE it was not me ) but they still feel that my claim should be denied and on top of that the manager told me i would have to cover the negative balance of - {$640.00} in my account! So i am not only falling behind on bills and basically throwing away {$630.00} but i also have to pay the negative balance on top of that???!!! This is very very unfair and i wish to dispute this today to get my funds back! I have bills that i already have late fees on since my account was closed for over 10 days until they even made the decision to deny my claim.

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 05/15/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with BANKERS HEALTHCARE GROUP (NV).
Issue: Getting a line of credit

Complaint: Bankers Health care Group aka BHG-inc.com sent me an credit card to XXXX XXXX XXXX XXXX with an online application for approval. I filled the short application on line with my SS number and DOB which was required and address etc. There was no provision for entering my Fed ID number. I got a phone call from one XXXX XXXX XXXX who wanted few more information further to my on line application. When it came to the Fed. Tax ID number, he said that he had the number and neither did he tell me the what the number was or did I ask him to verify the number. After answering all his question over the phone he said he will email me forms for me to fill out on line and send it back to him. <P/>The form on the email sent me had my correct SS number and DOB but a Fed ID. number that was not mine and never been mine. When I called him about the discrepancy in the Fed ID number he said he got that number when I had provided when I had applied on XX/XX/2016. I  requested a copy of that application by email or by US mail to verify that information. <P/>As of this date I have not received the information and the Tax ID on the form he sent me for me to sign was XXXX. THIS TAX ID IS NOT MINE NEVER BEEN MINE. <P/>I checked this company at XXXX and there is a doctor who made a complaint regarding this company accusing them of fraud and ID theft. Also on face book there were complaints to the fact that the company never makes any loan but forward the information two attorney 's in XXXX under the name of XXXX XXXX XXXX. I personally have a suspicion that the company makes loans to dummy accounts using false ID 'S and ID Theft. <P/>Please investigate this company for : Using a False Fed ID or Fraudulent Business practices.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Over the past few months, Convergent Outsourcing has sent me letters telling me to pay them XXXX because they 're claiming XXXX can not sue me for debt. I have asked XXXX for proof that I have any outstanding debt with them and they have stated no. I called Convergent and the moment I said I had called XXXX for proof they hung up.

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 04/30/2017 about Debt collection (I do not know) with FIRSTBANK (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The following is what is showing on my credit report. I have NEVER had a line of credit with  First Bank.  I have tried, repetitively, to have the account removed or validated and all I get in response is a letter saying that I am being 'frivolous ' and they are not going to remove the debt. They have never sent m e ANY proof th at the debt is mine.    XXXX  Condition Derogatory Responsibility Individual Current Balance  XXXX  Original Balance  XXXX  Limit   XXXX   Monthly Payment  XXXX  Last Payment  XXXX / XXXX / XXXX  Status Collection / Charge-Off Loan Term  XXXX  Loan Type Line of credit Opened  XXXX / XXXX / XXXX  Reported  XXXX / XXXX / XXXX  Remarks Charged off as bad debt|Profit and loss write-off Creditor Information FIRST BANK OF COLORADO  XXXX   XXXX   XXXX   XXXX , CO  XXXX  Phone  XXXX  :  XXXX

Company response to consumer: Closed with explanation