milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company does n't have all of my loan origination documents and they claim they are missing my original amortization schedule. I only know this because I called in to make sure PMI would automatically remove itself next month when my LTV hits 78 %, based on the original schedule. I am currently well below that. The company and their reps basically told me that since they do n't have the original amortization schedule that it would n't be removed. Per the PMI removal regulations ( " When the balance drops to 78 %, the mortgage servicer is required to eliminate PMI. '' ) I do n't feel that the company is meeting their requirement as a mortgage servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Shellpoint Mortgage Servicing ( Complaint # XXXX ) never sent me follow-up papers from XX/XX/XXXX to decrease the APR and/or monthly mortgage payment for my XXXX, OH XXXX property. My son lives at XXXX. In XXXX, I submitted applications for both properties ( including my residence at XXXX, OH XXXX ), but Shellpoint only gave me a modification for XXXX. The subprime rate on both properties in XXXX were part of the country 's XXXX Great Recession. I still do not want to be a sharecropper paying for properties that I will never own.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MO).
Issue: Credit decision / Underwriting

Complaint: citi mortgage is using the hamp program to commit fraud in a federal court

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Vehicle loan or lease (Loan) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (NC).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Purchased and financed a XXXX Harley Davidson Ultra Classic Glide, Purchased around XXXX 2012 from XXXX XXXX XXXX XXXX NC. The day of the purchase I was told they we 're throwing in for free a tire and wheel warranty. After rushing me to sign everything they handed me the key and tag and said I was good to go. But they failed to give me copies of all the financial documents, I ask for them and they said they would mail me my copies. By law they suppose to give me copies on the spot before leaving but that did n't happen. I received the documents in the mail three days later, after reviewing the free tire and wheel warranty was n't free and instead they charged and added it to the financing at a cost of {$2000.00}. I called them and complained they said I need to call the finance company Harley Davidson Financial Services, So I did. The finance company said I can cancel the {$2000.00} warranty and they would give me a refund credit on the end of the loan. So the {$2000.00} would come off the end of the loan. But they never gave me credit, so I hired an Attorney and he contacted the Finance Company who  than supposedly gave me credit off the end of the loan. also had a licensed accountant review all the financial documents, he told me they took my payment but added my interest back which they did n't suppose to do. Also if they would have added the refund at the end of the loan it would have made my monthly payments, Interest ETC less per month but everything stayed the same. The last couple of years I have been paying the principal because I have already paid all the interest that was owed. I contacted the finance company to get my payoff, my payoff should be {$1800.00} but they are saying I owe {$3800.00} which they said is interest. In other words they never gave me credit nor did they take off the {$2000.00} for the tire warranty if so the payoff would be {$1800.00} or less.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Checking or savings account (Checking account) with Fidelity National Information Services, Inc. (FNIS) (PA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I have contacted ChexSystems on a number of different occasions about the inaccuracy of an account that they are reposting in my credit file ( XXXX XXXX ). They have done nothing to try and help me resolve this issue except tell me to reach out to the back in which I did and spoke with a rep name XXXX who had no idea what account I was speaking of and said that he is unable to help me but he would forward my complaint over to his chairman. I am very frustrated with this issue as it has stopped me from being able to open a bank account

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

Complaint: I have written XXXX letters to each of the reporting credit bureaus requesting any and all documentation bearing my signature of a Bankruptcy reporting under my social security number. I also requested the name, address and telephone number of each person they contacted regarding this alleged claim. In each of their responses they have stated that the information has been verified yet no proof has been provided to me. Bankruptcy Courts, Federal Courts, and any clerks office associated with either of those do NOT report to any credit bureaus. Not only have they not complied with the Federal Trade Commission ( see 15 USC 41, et seq. ) they have also violated the Fair Credit Reporting Act action 623 ( a ) ( 3 ) in which they are now liable for my damages of up to {$1000.00} per occurrence. This is my last goodwill attempt at resolving this matter before I file a small claims suit in the amount of {$5000.00} for 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud, and 3 ) Violation of the Fair Credit Reporting Act against each credit reporting agency.

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 10/22/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (MD).
Issue: Application, originator, mortgage broker

Complaint: I contacted Quicken Loans to refinance my FHA mortgage. I was told that I could refinance into a conventional loan with no PMI if I qualified. I said that I estimated my home to be in the {$300.00} 's but that I was not actually sure how much it would be appraised for. I was told that I had to have XXXX % LTV to qualify for the conventional mortgage and it needed to appraise for {$310000.00} to do. After this conversation, I followed up in an email to this representative that confirmed the new mortgage payment amount and closing costs if I qualified. He responded that those amounts were correct. The appraisal was under-researched and, in my opinion, worthless. The appraiser did a " second-look '' and came back with a higher amount, though he did not account for the properties that I sent him that were more comparable than the ones he was using. There was no reason given as to why those properties were selected rather than the more comparable ones I sent. I have been sent multiple " Redisclosure Packages '' throughout this process and each time, the mortgage payments and closing costs increase. The final package reflected closing costs that were double ( {$15000.00} almost ) than I was originally told/confirmed. There was no explanation as to why these doubled. It felt as though Quicken Loans was trying to hide this and slide it past me before I went to settlement. This process has been deceptive from the beginning. I have been told that I will not get the refinance at the terms originally offered and I am now out {$500.00} for a unusable appraisal, which Quicken Loans also refuses to refund me. This has been a month of my time and money wasted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-09-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Account opening, closing, or management

Complaint: Bank with Wells Fargo opportunity checking account # XXXX. I received my social security XXXX award of {$1900.00} a month wanted to change my account to a regular account they refused my car was broken into and my XXXX letter was stolen and {$200.00} my tithe money i bought things from XXXX i also filed a report with shiriff 's for the theft of items in my car the day of incident i applied for loans from XXXX and with XXXX XXXX XXXX I opened an account with XXXX XXXX XXXX. setup to change my direct deposit to XXXX XXXX XXXX. I Closed my account with Wells Fargo they close my account and give me {$700.00} when I had {$760.00} I deposit the {$700.00} dollars in XXXX XXXX XXXX. iget denied for loans because Wells Fargo illegaly closed my account without giving me all my money they then destroy my relief of debt I am entitled to under XXXX law. I have yet to receive my {$64.00} from them my account was closed XX/XX/XXXX but I do n't have the rest of my money and they destroyed my credit also I am now have to hire a credit repair lawyer to fix my credit because bankruptcy i ca n't file because I filed XX/XX/XXXX. What can you do to Wells Fargo for their illegal actions. I am now having problems with returning items to XXXX purchased with my wells fargo account which is closed so that money is in limbo now. Thanks XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXXXXXX

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There are mistakes in my report, please verify or remove immediately :   XXXX   XXXX    XXXX  -  XXXX  > I do n't recognize this account   XXXX    XXXX  > I never paid late   XXXX   XXXX    XXXX  > I never paid late  XXXX   XXXX   XXXX   XXXX  > I never paid late

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Contacted student loan servicer ( Navient ) o n  X/X/2017  to  request a copy of the loan promissory note. I spoke with  XXXX  at Navient and was told that Navient DID NOT have any promissory notes on file for m y 18 loans. I  am under the impression that this information has to be provided per FDCPA guidelines, how else would the creditor know how much to collect how often and under what terms? I need to have documentation that shows me that what " they say I owe '' is truly what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: I XXXX XXXX XXXX XXXX have a complaint with Bank of America, I had an account with Bank of America in XXXX TX. My account was completely cleaned out, all of my money had been withdrawn without my consent. I never signed any authorization for anyone to remove funds from my account. I feel that this was an inside job, from someone working at the branch were my account was located. Please contact me to gather more details regarding this matter.

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 03-10-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (WI).
Issue: Loan modification,collection,foreclosure

Complaint: This is a follow-up to Case XXXX concerning Wells Fargo statement that they have not been able to get a hold of XXXX XXXX to discuss correspondence regarding XXXX. 
On XXXX XXXX I spent 2 hours on the phone and explained 5 times about the sale of my home to Wells Fargo and then finally transferred to XXXX. She gave me the fax number XXXX to fax to them final copies of the sale of my home on XXXX/XXXX/XXXX to XXXX XXXX from their lawyers XXXX, XXXX XXXX XXXX XXXX, XXXX Wi XXXX. Registered Mail. A sheet was received stating all XXXX pages and cover sheet was received. It explained the assessed value of {$86000.00} not {$140000.00}. Sale XXXX/XXXX/XXXX while they said abandoned XXXX/XXXX/XXXX to the IRS. It said I owed them {$100.00} while filed papers stated 5 times it was under XXXX allowing them to sell in 3 months and not holding me deficient for any amount. On XXXX XXXX, XXXX I called back and was on the phone over an hour and finally ended up talking to XXXX who constantly tried to get my phone number. I called on a blocked number. I would not give them my phone as they had harassed me 3 to 4 times a day until I had to have my phone removed. AND THAT WAS AFTER THEY HAD GIVEN ME PERMISSION TO LEAVE MY HOME XXXX XXXX, XXXX ... AND THEN DENIED 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 12-07-2016 about Mortgage (Conventional fixed mortgage) with LENDER LIVE (WI).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage, XXXX, was resold by Lenderlive to what appears to be another Lenderlive company under XXXX XXXX XXXX. With that change I had to create a new user ID and PW to their online site, I have lost all history of my previous account and there is little to no supporting information for my loan. On top of that I received a check in the mail for {$280.00} on XXXX XXXX, 2016 indicating I had an overage for my escrow. I know there have been NO measurable changes to my property taxes, home owners insurance nor have I received any info on my PMI changing. Since I did n't think I had an overage I did n't want to cash the check. I logged into my online account view and I noticed my XXXX payment has increased by {$130.00} a month. I have received NO INFORMATION on why my payment increased. I called and was told someone did an escrow analysis and that " must be why '' but no one could give me details. How could I get an overage check but my payment go up? I have also asked for information in writing which I have not received. I can not see any escrow details online, I ca n't see what they used for my escrow analysis and I was told " we have a right to take a 2 month escrow cushion so we must be collecting on that ''. I have had my mortgage open for over 3 year with an escrow account that has not changed. How could they now call due 2 full months of escrow payments out of no where. Doing business as Lenderlive, but under a XXXX name should n't allow Lenderlive to collect more money from me. I have NEVER missed a payment and in fact I pay extra to principle every month. Now I am told I owe {$1500.00} MORE to my escrow when there was no change to any of the taxes or insurance I owe. I have asked for information in writing which I have received none and I have sent a letter via 'contact us ' within my online account access and I have not had any response in over a week. I would expect to get detailed information on my escrow account, I expect my payment NOT to change unless I owe more to my insurance or taxes ( which would n't change that much ) and I would expect to have my details available within my online account access. All of my information is up to date in my account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Managing the loan or lease

Complaint: Springleaf Financial Services is overcharging my account with interest fees.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (Private student loan debt) with Penn Credit Corporation (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I was a victim of identity theft. I believe that this debt does not belong to me. I have asked this company several times to provide documentation stating that I owe this debt within 30 days or please remove it. This company has failed to provide a signed copy of agreement that shows my signature and the said amount owed. I have a copy of a police report that was made in regards to myself being a victim of identity theft. I will attach it down below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There is a negative report from XXXX XXXXXXXX XXXX on my credit report which states that I had a past due payment of 30 days. That account has been closed and I have no idea why there would be a late payment recorded when there is no balance. I want this negative removed from my credit report which is otherwise flawless. The account was opened XX/XX/2008 and closed since then so I don't know why anyone would report a one time late payment that remains to the present time. I don't know why the payment was late but I pay my bills on time and find this report suspicious. I would appreciate someone contacting me from XXXX XXXXXXXX XXXX to inform me of how I remove this negative comment. My email is XXXX 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 10-03-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: Wachovia closed my checking account and issued me a cashier 's check for the balance left in my account just before their merger with Wells Fargo so when I tried to deposit the funds into my Wells Fargo account the checked was returned and when I checked with Florida state to see if the funds were escheated to the state nothing is listed these funds belong to me and Wells Fargo is refusing to honor the check

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 02/23/2016 about Credit card () with TD BANK US HOLDING COMPANY (NE).
Issue: Credit line increase/decrease

Complaint: It is impossible to speak with someone about my credit, credit limit, etc. or get any questions answered about the Target Red Card. All of the information about whether or not I can receive a credit limit increase, etc. is confidential, and can not speak to anyone about it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Late fee

Complaint: I visited Macy 's on or about XXXX XXXX, 2015, with friends. I was asked if I wished to if I if I wanted to apply for a Macy 's account to receive an additional discounton the purchase ( & gt ; {$15.00} total purchase ). I was asked for my identificationand to fill out an application ; I complied with both requests. After somemonths I noticed that I had not received a bill or the card for that matter. 
I contacted Macy 's by phone and spoke to a individual regarding themissing bill and card. We discovered that the wrong address had beenentered for my mailing address and that the bill and card were returned. 
I gave the individual the correct address which was on the application Ifilled out and it was agreed that the bill should come to the addressindicated on the application. I was then told that I would be responsiblelate fees in addition to the interest and that they would not considerremoving the additional charges even though it was the company 's oremployee 's error. Had she ask me if the address on my license wascorrect I would have told her to use the address on the application I wasrequired to fill out. I will gladly pay for the XXXX that Ipurchased, however, I refuse to pay for employee/company error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/16/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Deposits and withdrawals

Complaint: Some of my outgoing mails were stolen with checks in it. The checks were payable to various suppliers and utility companies. I have been able to locate around XXXX such checks that have been stolen to the tune of {$70000.00}, These checks have been funded by Wells Fargo Bank erroneously. The fraud was not caught by the bank ... i had to report the same. I have challenged the bank about their payment on these checks while the benefactions name was specific to entities like the utility company. 

This has also been reported to the Police and XXXX XXXX. I would like immediate help to have this issue resolved with my Bank.

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 02/27/2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (OR).
Issue: Loan modification,collection,foreclosure

Complaint: The lender is violation of RESPA and the clients right to counsel - the lender was request for legal challenges - the lender has yet to respond to our request of QWR sent XX/XX/XXXX, 5-day letters sent on XX/XX/XXXX and XX/XX/XXXX - A loss mitt package was submitted to the lender on XX/XX/XXXX and they still refuse to postpone sale for the review and response needed to our requests.

Company response to consumer: Closed with explanation