milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/20/2017 about Mortgage (FHA mortgage) with SUN WEST MORTGAGE COMPANY, INC. (NJ).
Issue: Closing on a mortgage

Complaint: I had previously submitted a complaint under " CFPB  Case Number  :   XXXX   ''.   In response to my complaint,  SunWest  Mortgage  Company  stated " Th e appraiser has  mentioned in the appraisal report that the subject property was recently renovated ( in the year    2013  ). The subject property had new roof, new vinyl siding, new kitchen, new bathrooms, new laminate flooring throughout, new furnace and new hot water heater. This indicated that the subject property was in like new condition. ".   The truth, however, is that : the roof was not new, the vinyl siding was not new, the furnace was not new, and the hot water heater was not new.   I would like to hear from the Bank, as the Bank seeks a response from the Appraisal company they had hired.   Based on what assurance did they affirm that : the roof, the vinyl siding, the furnace, and the hot water heater were new?   This information led the Bank 's underwriters to believe that the property had been recently renovated. This is no laughing matter, but it almost can serve as a joke when we talk about the furnace and hot water heater. These a very, very old.   Why did the  appraiser say they were new? Did the seller provide the appraiser with receipts of newly purchased and installed furnace and water heater, or the appraiser  simply assumed they were new?

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Mortgage (Conventional fixed mortgage) with KEYCORP (OK).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a siding loan that was added as a XXXX mortgage to my house since XXXX. On XXXX XXXX, XXXX, I scheduled a payment online to pay off the balance of the loan, totaling XXXX. Key Bank 's online account access showed they were processing XXXX payments, XXXX for the monthly amount of XXXX and a XXXX for the balance of XXXX. After 3 days of pending status, the only payment now posted is the XXXX. HOWEVER, they have taken BOTH payments from my bank account. When I called to investigate, they told me that they did not have record of the larger payment and the only payment I had scheduled was the smaller XXXX. After I informed me that according to MY bank balance they had an extra XXXX floating around and I wanted it located, I was informed the only way to pay off a loan was thru a wire transfer, which I was NOT advised of when I called in to inquire about an early payoff fee, and so they did not have the money. They have now informed me that I needed to take it up with MY bank and call them back when I was ready to wire transfer the balance, which has now increased due to all of this MESS!!! When I requested to speak to a manager, I was informed that the manager was off today so she could leave a request for a call back. This is TOTALLY unacceptable! How can a bank literally TAKE your money and then tell you it 's up to you to get it back?? They are LITERALLY the most AWFUL bank ever. Their customer service is ATROCIOUS. I told the representative all I wanted to do was NOT do business with them and I ca n't even get out of THAT.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Blakely-Witt and Associates, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation and hippa inaccurate information id theft victim XXXX XXXX XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I was charged 29.99 %, and I am supposed to have a 24 month no Interest Promotion.  I contacted Synchrony back every month about the charge. I have been charged {$330.00}.

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 03/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with NRA Group, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: RE : NRA LLC and XXXX - At XXXX on XX/XX/XXXX I received a call from an unknown number - Caller stated my name and asked me to verify ( no other information was provided by caller ) - I confirmed my name - Caller then stated last XXXX digits of my social security #. I declined and asked him what this was regarding. He told me he was calling from NRA LLC but refused ( despite my question ) to tell me what NRA LLC was. Caller said he would not tell me if I would not confirm my social security and hung up. 
- I was deeply disturbed by this and I assumed this was an attempt to steal information for identity theft. 
- I called back and the same caller answered. I asked what his company did and he replied, " I just talked to you, '' and hung up again. I called 3 more times and the call was deliberately rejected each time. 
- On the fourth attempt a woman answered who this time took the time to explain this was a {$24.00} debt (! ) that I was not even aware of and actually explained what the call was about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I held a spousal ( second ) card a Bank of America credit card last year with an account ending in XXXX. On XX/XX/XXXX my wife and together visited a Bank of America financial center branch in XXXX, MN. Our goal was to change my status from mere second cardholder to a fully-authorized co-holder so I could use Bank of Americas web portal to download rewards airline points earned ; I had been denied access when attempting that task a month prior. XXXX XXXX XXXX served us behind a counter as relationship banker that day, her business card below. Upon learning the details of our request she said that such a credit card status change was not possible and insisted we close XXXX and open a new one. I found it odd at the time, it seemed a simple technical matter to me. I inquired if the large amount of points we had accrued that year would seamlessly transition to a new account. She checked with her supervisor who was on site that morning and he said, yes indeed. So my wife and I went down that path that day, which was rather lengthy ; later we were sent new account cards ending in XXXX with co-equal status as requested. What did not ever happen was the transfer of airline rewards points from one account to the other. I made phone inquiries about his matter on XX/XX/XXXX ( with XXXX ), XX/XX/XXXX ( XXXX, XXXX ), XX/XX/XXXX ( XXXX, XXXX XXXX ), XX/XX/XXXX, ( XXXX ), and today, XX/XX/XXXX ( XXXX ), to resolve the matter of my XXXX lost points. Case numbers were assigned by the seven Bank of American customer services agents named above ( XXXX, XXXX ) with promises for resolution based on further research. Whenever I phoned I asked if the agent could review case notes but adequate notes were never entered they said ; ultimately the answer was always " no. '' I view the whole matter now, a year in hindsight, to be a scam of the sort appearing in the press last year pertaining to similar serial transgressions by XXXX XXXX. We were effectively coerced into opening a new account that then wiped out {$33000.00} of charges accrued into points. We were given busy work of a new card application with only liabilities accruing. XXXX XXXX, her XX/XX/XXXX supervisor, and Bank of America as a corporation all should be ashamed of themselves. I suggest they be investigated and, if appropriate, be fined, fired, or both.

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 05/28/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (SC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have both Federal and private loans ; fortunately, the income-based repayment for the federal loans requires a reasonable payment ( XXXX-time ever I am grateful for a XXXX ), but the private loan will not consider the fact that with its MASSIVE payment requirement, over half of my monthly salary goes towards student loans. It is crippling and because of the amount of loans in the XXXX place, they will not approve me for a consolidation or refinancing in order to lower the payment. They have absolutely no options for people who are being suffocated by student loans, and let 's face it, the education industry is n't exactly going to yield XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Following inquiries on my report are not mine and fraudulent ... 

Fraudulent Inquiries XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/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 non-monetary relief
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This inquiry was added to my XXXX  credit report on XX/XX/2017. I've called the fraud department at Citizens Bank for this inquiry and they have no record of my name in the system. I was transferred several times, and no one could find my name in their system. However, their company still shows up on my credit report. They " can't '' remove it because they have no data information on me. However, someone accessed my report and their name is listed on it. 7 months later, and the inquiry is still there and Citizens Bank is doing nothing to take care of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account is reporting inaccurate # XXXX and this account XXXX does not belong to me. The accounts being reported inaccurately are hindering me from gaining a proper credit rating. I request that agents of Transunion go beyond a cursory investigation into this mater.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX is being reported on my credit report as an authorized user. Please delete this account from my credit report. This is not my account. I am not an owner of this account and I have never requested nor authorized to be added as an authorized user. Delete this from my credit report immediatley

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Debt collection (Credit card) with STERLING JEWELERS, INC. (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Today I got a voicemail from a XXXX XXXX from XXXX XXXX XXXX. She did not disclose that she was a debt collector. Just that she was calling about a " legal matter that will require XXXX to appear in court ''. She also did not disclose that any information collected would be used for the debt collection purpose. She used language to make it appear she was from a law firm. " I 'm an arbitrator for the offices of XXXX XXXX. Never mentioned anything about a debt. Just that I 'll have to face court against the allegations against me. 

She then calls my husband who answered at work saying that if we do n't pay the {$580.00} I owe by the end of business today that will sue for over {$2000.00}. 

According the Fair Debt Collection Act that a collections company may be allowed to charge interest on debts they are collecting. But they ca n't charge more than the amount described in the original contract or what is permitted by law. {$2000.00} would go way beyond that. Also that debt collectors must follow the " mini-Miranda '' warning '' on voice mails and she did n't follow any of it. There is nothing actually filed in court. They caused me a lot of stress saying I was going to have to appear in court for " allegations '' when I had no idea what those allegations could be.

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 monetary relief
Consumer complaint received 04/25/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Credit decision / Underwriting

Complaint: I have an insurance ( insurance ) claim, due to a fire, the claim begins with XXXX XXXX XXXX, and was transferred over to XXXX Loan Servicing. 
The XXXX draw was distribute to the contractor, However he did any building,, Ocwen was informed of the matter on hand, when the loan was transferred over. I informed Ocwen again of the matter. Ocwen states that it is XXXX XXXX XXXX responsibility because the check was sent out by XXXX XXXX XXXX. And they can not act on the issue, with out Authorization from XXXX XXXX XXXX. 
Ocwen wants to know why I am inquiring of the matter, to them and they will not take any action on the matter, or assist with the issue. Per Ocwen it 's XXXX XXXX XXXX responsibility. Per Ocwen they will not do the necessary process to inquire about the XXXX, for the completion of the repairs because it is XXXX XXXX XXXX responsibility. And for me not contact them, any more. 
I received ( return ) a call from, Ocwen ( XXXX ) representing XXXX XXXX XXXX. On what they can and want do. 
Per OCC, it is Ocwen responsibility to inquire with the contractor, on the repairs. Because the loan is with them and the money is part of the Mortgage loan. 
Please see Attachments. 
Per Ocwen, they need XXXX XXXX XXXX authorization, to proceed to take action on the money. Due Ocwen need Authorization to move forward with Retrieving the Missing Money ( Funds ).

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: at one time my daughter was on my XXXX bill i changed carriers later at some point she got her own account selling her a bunch of stuff she did n't need & could n't afford abt 6 months later i discovered sprint debiting my credit card with her debt i made them refund it also told them she was to pay her own bill she got out of a job could n't pay bill they cut it off i just found out thru credit karma a month or so ago they had turned it over for collection i do n't owe the bill if they insist i will sue them for debiting my credit card my daughter did n't have access to it the only way they could have gotten is by saving number in data base because i only used credit card when i bought something

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I discovered that the mortgage company misapplied funds for my XX/XX/XXXX mortgage payment. I pay my monthly mortgage of {$1300.00} in XXXX payments. PHH received the first half of my payment XXXX {$670.00} XXXX for XX/XX/XXXX on XX/XX/XXXX and the second half ( {$670.00} ) on XX/XX/XXXX The payment received on XX/XX/XXXX was incorrectly applied to additional principal and not the mortgage payment. The second half of the XX/XX/XXXX payment and all subsequent payments have been appropriately applied to the mortgage payment. 
I called PHH Mortgage Company on Monday, XX/XX/XXXX to advise them of the error and requested to have the XX/XX/XXXX payment for XX/XX/XXXX appropriately applied to the mortgage payment and not used as an additional principal payment. I was informed that my request would be reviewed and for me to call back next week for an answer. 
I received a call from XXXX Mortgage XXXX ( XXXX ) today, XX/XX/XXXX, informing me that my request was denied and that the XX/XX/XXXX payment would not be applied to the mortgage and that I am responsible for bringing my account up to date for the XX/XX/XXXX mortgage payment. I explained to the representative that my XX/XX/XXXX mortgage payment was already paid in full and paid early with the XXXX part of the payment received on XX/XX/XXXX. I was told the payment was incomplete for XX/XX/XXXX and I am responsible for sending the second part of XX/XX/XXXX 's amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (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: I received a call from customer service at TJX Rewards Card/XXXX XXXX to confirm some charges on my account, and after speaking with him I realized there were quite a few fraudulent charges on my account, and he removed the charges and issued another credit card to me. I also had to submit a fraud claim and the fraud claim was denied as the bank said I benefitted from the charges, which is not true. I wrote the company a couple of times. I requested back up of these charges because I wanted to check the signature. The signatures do not match. Coincidentally, a fraudulent credit card ring was captured in my area not too long after the charges were made and they were housed in the area in which some of the charges were made. I 've closed the account and I wish to pay XXXX XXXX for the charges that I made, not these fraudulent charges. I have quite a few credit card accounts, and have no reason to make fraudulent charges. I would like the fraudulent charges removed from account as well as interest associated with those charges. I would like to know what my final bill is and pay it off immediately.

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 06/15/2017 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (NJ).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: Trident Asset Management is r eporting a   XXXX    colle ction accounts on my credit reports with multiple errors that are a violation of the Fair Credit Reporting Act and needs to be deleted.  <P/> Account Numbers :  XXXX  and  XXXX   1.  On   XXXX    they are listing the account type as " open '' when it should be a collection.  <P/>  2.  On  XXXX , they are reporting an address of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , GA  XXXX  when that address is no where on their website o r BBB profil e. How can they have different address on each report?   XXXX    shows the address of  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX  which is on their website.  <P/>  3.They  never sent me proof they are able to collect this debt, such as a bill of sale, or any letters from the  XXXX  or   XXXX   XXXX   XXXX    saying they can  collect this debt.  <P/>  4.  On  XXXX  they have their name as TridentAsset.com but on   XXXX   they list  Trident Asset Management. How can they have  XXXX  different names on   XXXX   different reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Atlas Credit Company, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I wrote to them for them not to call me during working hours or to my job. They dropped off a collection letter at my work and they keep on calling me repeatedly during my working hours.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Years ago in XX/XX/XXXX or so, I was attending XXXX University online. Federal loans did not cover my expenses, so they convinced me to take out a private loan. They later told me I needed a cosigner and I asked my mother to co-sign, which she reluctantly did. The original loan was {$20000.00}. In XX/XX/XXXX, I was diagnosed with serious health issues and could no longer work. I went on XXXX in XX/XX/XXXX. My mother passed away in XX/XX/XXXX. I tried to reach an agreement with XXXX XXXX now Navient with absolutely no luck. Now in XX/XX/XXXX, they are sending threatening letters to my mother and I. I told them that my mother passed away, but that did n't seem to matter. Now they have sent this account to collection agency after collection agency. I think there have been at least XXXX this year. I had my federal loans discharged due to total and permanent XXXX in XX/XX/XXXX. Navient flags this account every month and continues to ruin my credit. They now claim the loan is almost {$79000.00}. This will never be able to be paid off.

Company response to consumer: Closed with explanation