milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-12-2018 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I had a mortgage with this bank for the past year and some months. During the time, I made all payments on time, including even some dubious increase in the monthly payment from {$3400.00} to {$3700.00}. I did my best under difficult circumstances to make timely payments. 

During the time, I tried I called them several times to see if we can get a refinance, but each time they flatly denied and wouldn't go any further to explain why, and at the time we were getting a lot of offers from other institutions to refinance. Nonetheless, I continued to make my payments. 

Last month, XX/XX/XXXX, we were finally able to close a refi with a different lender who wired M & T 's payoff to them on the same date as above. Before then, they had been made aware of this closing and were totally involved. 

As expected they closed my online account that I had been using to transact business with them and retrieve documents and messages on the same day the principal was paid off. The processed it and effectively zeroed out the account. 

On XX/XX/XXXX, I saw that the regular transfer that always went out to them on the first day of the month had been initiated and was pending on my XXXX XXXX XXXXXXXX account. I called them immediately to let them know that they my account had been closed with them and I don't owe anything to them. I made aware I had a new mortgage that was due and therefore I need that money to pay the new lender. 

We did a lot of back and forth on the phone and told me they would investigate and take the necessary action. 

As I write this complaint, on XX/XX/XXXX, they neither have returned my money nor return my call. I am having to borrow money, not only for my new mortgage, but also other expenses that we incur as a young bottom of the barrel family struggling to survive in one most expensive places on earth : XXXX XXXX XXXX XXXX of California. 

Every cent we earn is important for us! 

It is certainly not right that this bank has unlawfully taken our money for over a week without making any attempt to return it, or even providing me a simple customer service of letting me know what is going on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Mortgage (VA mortgage) with LoanCare, LLC (FL).
Issue: Trouble during payment process

Complaint: My loan is with XXXX XXXX and I pay my bill through Loan Care. I live in Florida and am qualified and receive the 100 % Veterans reduction on my Real Estate Taxes. I was refunded in XXXX for last years taxes. I have spoken to Loan Care at least six times about them lowering my escrow deduction. They are still charging an excess amount for my escrow reserve. They have been notified by the County and State and I have sent notifications that the payment should be dropped and the escrow amount should be dropped. I have not been able to get them to acknowledge when or even if they are going to drop the amount of escrow funds. I don't want to be paying an over payment on escrow like I did last year and then have to wait for a refund. Can you help me get this problem solved? 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 04-05-2017 about Student loan (Federal student loan servicing) with Utah System of Higher Education (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am once again attempting to place my loan in forebearance and XXXX has refused do do this nor have they provided access anymore to the application. I called them on the phone today and they said only their ombudsman can do this and they transferred me. Upon being transferred, the ombudsman stated that he ( XXXX XXXX did not know whom XXXX was and stated to contact their ombudsman. Because I have filed several complaints against this institution, I believe they are intentionally refusing to service me. Note that I had to file a complaint last year for this very same problem and that was the only way to resolve it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Credit card () with SYNCHRONY FINANCIAL (SC).
Issue: Billing disputes

Complaint: I was contacted by by phone by someone at Synchrony Bank regarding my XXXX store card. I did not note the name. After being told about the issue, I asked to be transferred to a supervisor. After holding for quite a while I spoke with XXXX. My payment was due on XXXX. I made a payment for more than the amount due on XXXX. However, that payment was applied to XXXX ( which I had already paid in XXXX prior to the due date ). XXXX indicated the problem would be resolved by speaking with Customer Service. I held again, was transferred, spoke briefly to someone whose name I did not note, and then was disconnected. I then chose the " live chat '' option online, and was told by the representative that they would not be able to adjust my account to indicate that it was paid on time, that it would still show late for XXXX. I find it extremely unreasonable that a payment made prior to the due date can be considered late, and can be reported to the credit bureaus as such.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX continues to report erroneous information on my credit report and will not allow my dispute to be processed. Transunion has removed these accounts as they were deemed fraudulent. XXXX has violated the FCRA by continuing to have this information on my report remain. The following accounts are not mine and no proof has been provided to show they are my accounts : XXXX XXXX # XXXX**** XXXX # XXXX XXXX XXXX XXXX # XXXXxxxx

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 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SECURITY FINANCE CORP (AL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I HAVE HAD SEVERAL LOANS WITH SUNBELT CREDIT IN  XXXX   XXXX  GEORGIA  XXXX  THE LAST COUPLE OF YEARS HOWEVER IT HAS NOT BEEN REPORTING ON MY CREDIT SINCE  XXXX  OF LAST YEAR IT SHOWS OPEN WITH A  XXXX  BALANCE AND WHEN I LOG INTO CREDIT SITES IT TELLS ME YOU HAVE AN ACCOUNT THAT HAS NOT BEEN UPDATED AND IS HURTING YOUR CREDIT I HAVE CALLED THE BRACK AND HOME OFFICE FOR MONTHS THEY SAY THEY ARE WORKING ON IT BUT ITS BEEN A YEAR.

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 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am writing because I had a loan with XXXX which I paid thousands of dollars in interest which was for a school that is closef. None of my credits are any good. I would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (Other debt) with Source Receivables Management LLC (CA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Source /XXXX is calling my cellphone numerous times. When I try to tell them about this so call XXXX debt. They turn into the worst unprofessional abusive reps. I can not put into words. One even do n't worrying I will add it to credit report. I consider that a real threat since our world is credit base. 
Also I have written a letter to higher management regarding the abuse. 
I am XXXX. I can not take this type of treatment. My doctor told me I am stressing on this issue. 
I live off of Social Security. Trying my best also to take care of a mother with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: First of all, I never chose Nationstar as my mortgage company. I do not believe anyone in their right mind would chooses them. They are criminals!! Nationstar refuses to release my insurance claim funds for a claim on severe flood damage. It was supposed to take 3-5 business days and it has now been 17. My XXXX children have been living in a dangerous gutted house since XXXX/XXXX/15. This has been a very urgent situation and Nationstar has done absolutely nothing to help with this situation, they have only added more obstacles. As soon as this repair is complete, I will re-finance with another mortgage company. I will do everything I can to ensure that Nationstar is the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Application, originator, mortgage broker

Complaint: We decided to refinance our home with Chase Bank in XXXX 2016. We still have yet to close on our refinance. We were immediately approved and submitted all info numerous times. Chase representatives repeatedly forgot to do things they were supposed to do. They did n't submit the request for tax returns on time. They did no send for IRS transcripts on time. On numerous occasions we were told that underwriting had our paperwork, when in fact they never did. They pulled our credit report numerous times because over the length of the refinance the score kept expiring, therefore we have multiple hits on our credit. The same went for income documentation because of the length of time it took to close. My employer received numerous calls to verify my employment. To the point where HR could n't understand that it was still going on. I called Chase Corporate of NY and they would not help, instead they kept transferring me back to the branch I was already having problems with. Our loan rep would ignore my husband 's calls, yet answer when he would call from another line. He would answer my calls with an attitude. No hello or greeting from Chase Bank at all. In XXXX we were told that our loan was being fast tracked, it is now XXXX and we are still waiting, 7 months later. Loan commitments were dated incorrectly or had information wrong, even thru XXXX. On XXXX XXXX, our loan guy said we could close the XXXX, XXXX, or XXXX. I picked the XXXX to only have us receive a call that we were not closing. I only received a phone call from the loan processor in Ohio on XXXX XXXX telling me that we were closing on XXXX XXXX, confirmed at XXXX at our home. Around XXXX on the XXXX we received a call that the appointment was being pushed back till XXXX because documents from Chase still were n't received. Around XXXX we received a call that we were no longer closing because Chase still did n't submit paperwork to a closer, therefore no one was assigned to the case. My husband canceled work in order to be home for a closing that never took place. Now he 's out wages over this. I managed to have a baby and go back to work, and we 're still dealing with this. No one at Chase seems to care enough to help at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Hello my name is XXXX XXXX, I have XXXX private student loans that sum the total of {$61000.00}, I usually pay {$390.00} monthly and its a lot of money for me since I 'm the only one who brings money to my house. Yesterday I was scheduling a payment and I noticed that they increased my monthly payment to {$400.00}, I called them and they say that they increase the interest rate just because. It 's this even legal??? Please help me out, I 'm not trying to forget my loan I really want to honor this debt, but I do not know what else to do. This is my information below.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (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 purchased furniture for delivery at a later date, which I never received. The seller obviously cheated me, and I reached out to my Barclays Card company to apply for charge back. They applied charge back, but refunded the money to seller after 4 months, saying they have the proof of purchase. But I told them the items are never received, nor there is a proof of delivery. Since they messed up the transaction, they are trying to cover it up with different legal terms. I need help!!!
I asked those terms in writing, but they deny giving it to me in writing. After few months, they stopped even responding to my letters.
After a year, I finally saved some money to buy furniture again. But I Lost money, no merchandise, and Barclays messed up my credit history and peace of mind.

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 12/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I am unable to pay mortgage because of hardship due to over extended expenses and medical problems. I therefore applied for home loan modification to XXXX. While the process was going on, they sold my loan to Bayview Loan Servicing. For two months I keep calling customer service and they report that they are unable to help because the loan has been sold. I recently receive a notice that the house is foreclosed and a sale date is XX/XX/2017. I receive no notice from Bayview of the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Credit card () with First Data Corporation (CA).
Issue: Closing/Cancelling account

Complaint: My prepaid visa debit card was suspended. I was told I needed to fax them XXXX current id 's which I did. Now they say they need proof of address because I use a po box . I am a motorhome salesman and do n't have a home address. I stay at different campgrounds. They wo n't send my funds to my po box and close my account. It seems they just want to keep my money and keep my card inactive even though the balance shows over XXXX dollars.

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 03-06-2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Dealing with SunTrust Mortgage has been a nightmare and it just continues on long after closing. During application process I encountered the following : 1. lost documents they claimed held up processing when docs had been there for wks. 
2. claimed had converted to new system and all staff not trained to do both so that was reason for constant delay ; got preapproval at 30 day mark and then barely made closing. I had been told entire process would be 2 to 3 weeks 3. at closing failed to send a HUD doc that had been requested the week prior ; then failed to wire the closing money to pay seller, etc. Delayed closing for 1.5 hours. and when monies arrived were {$500.00} short 4. failed to enter my autodraft and then when I changed to new bank clerk failed to key in my account number correctly causing more delays. 
5. had to send in money to escrow and was given wrong address ; further delay & calls 6. sent in money to escrow with coupon for this years ' increase and they did n't record it in to my account until I called. I got email telling me I would have higher payment and then after calling twice more to get it straight got an email telling me mortgage payment for XXXX 2016 would be double what should have been ; when I called corporate ( XXXX ) told me told me to simply disregard it as it was an error yet no rebuttal email arrived. 
7. I have filed numerous complaints with conflict resolution ( attaching some ) and nothing ever really changes. However, after several they sent me a check for about {$1300.00} saying their post closing review determined they overcharged me. I doubt if that would have happened had I not been complaining. 
8. I could give numerous examples of minor problems and large ones through the past months but there is n't enough space ... ..everything they touch they XXXX. I have begged to have my mortgage sold. If they are this incompetent on all levels it makes XXXX wonder how efficiently they do all things. Maleficence comes to mind on at least two occasions.

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 10/14/2015 about Credit reporting () with Credit Karma, Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hi, I was recently on credit karma reviewing my information and I noticed XXXX hard inquiries, as well as a credit card opened apparently in my name with {$950.00} tacked onto it. Until today, I have never heard of the bank nor opened any new accounts, seeing as I am deployed XXXX at the moment. 
Please help me resolve this. 
Thank you

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 04/15/2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I currently have my loan under Freedom Mortgage and under contract through them pay into an escrow account that is to be withdrawn in the amount that is due for property taxes for my home. My taxes were due on XX/XX/2017 for XXXX County TX, when viewing my Freedom Mortgage 's website I see a transfer for the full amount and a very brief transaction message that only displays the day " XX/XX/2017 '' that the payment was " supposedly '' sent, however the county has received no such payment, in fact I have had to play the middle man with the tax collector and freedom mortgage for the past 2 months, and nothing has been fixed, I 'm being riddled with late fees, and if this is not fixed soon, I could lose my house. Freedom Mortgage has offered little to no aid when I call in, and they are not treating this issue with the urgency that is required. I need this fixed, and I need your help to do it.

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 08/26/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (DE).
Issue: Loan modification,collection,foreclosure

Complaint: I have a hardship with my mortgage and my mortgage is with Citifinancial. They have dragged this process out for 10 months which is unacceptable. I reached out to a housing counseling agency in XXXX. My housing counselor has been working with me from XXXX to present. We are currently in mediation with this lender and just recent they denied for any home retention options. I have been wanting to reconcile my mortgage for months. I have good faith payment of XXXX to help get the mortgage back on track. We have even sent them a proposal but no response from lender. Just recent I got a call from the lender and the rep 's name was XXXX XXXX employ ID # XXXX XXXX OR XXXX. He told me they would accept an offer and to fax proposal to him. I called my housing counselor we faxed the proposal to XXXX and we have not heard from him in weeks and now we cant even locate him.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: I purchased a vehicle from Texas  XXXX  of  XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , TX  XXXX  on  XXXX / XXXX /  XXXX   The vehicle was financed with  Fifth Third  Bank  XXXX   XXXX   XXXX   XXXX , OH  XXXX . They received my  Credit Union  certified on  XXXX / XXXX /  XXXX  . I still have not received my lien release.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Debt collection (I do not know) with Capital Management Services, LP (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A Collection Agency called Capital Management has some personal information about my finances and they say I have a debt. I have never heard about this agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I requested a credit limit increase and, without my knowledge, pulled a hard credit check which affected my credit score. Totally unprofessional and illegal. 


Congratulations! We are pleased to approve your request for a higher credit limit on your account. Your new credit limit is {$28000.00} and is already available for your use. 

If you have any further questions about your account, please call us at XXXX or visit Citi Online. 

We value you as a customer and appreciate the opportunity to serve your financial needs. 

Sincerely, XXXX XXXX Please

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