milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/25/2016 about Bank account or service ((CD) Certificate of deposit) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: Went to Santander to inquire about IRA CD rates, met with a bank rep. She gave me a favorable rates and I wanted to move my IRA to santander CD IRA. The branch manager then instructed me to go to my other institution ( XXXX XXXX ) which was XXXX XXXX XXXX, and I took the check from XXXX XXXX and brought it to santander on the same day and made the deposit into their CD IRA. I then had XXXX more CD IRAs mature XXXX XXXX XXXX XXXX and XXXX XXXX XXXX these were at citizen bank. I went back to santander and sat with the bank rep. Went over the rates with me again found a good rate and again the bank rep instructed me to go to the other bank and bring the check to deposit into the new IRA CD. I did this once on XXXX XXXX same day as the maturity and withdrawal and the XXXX in XXXX XXXX again same day of the maturity and withdrawal. I was later then contacted by the back office IRA team of santander stating there was a problem, telling me that what i did was going to create a penalty because of a new IRS rule saying that i can do only XXXX rollover per year. I explained that this is what i was instructed to do by the bank rep, and that the withdrawal and deposits were made on the same day. They claimed this was my problem and my responsability to know the rules and that i would be penalized at the end of the year by the IRS for doing too many rollovers in a one year period. They are unwilling to help fix the situation and not claiming any responsability for the advice they gave me.

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 12-10-2016 about Mortgage (Conventional fixed mortgage) with COMMONWEALTH MORTGAGE, LLC (IL).
Issue: Settlement process and costs

Complaint: OnXX/XX/2016, Irefinanced my existing mortgage and closed on a new loan with Commonwealth Mortgage , LLC in the amount of {$250000.00}. 
The rates and associated closing costs that Commonwealth initially provided me changed after multiple times after committing to proceed. The Closing Disclosure paperwork at Closing did not match any I had seen to date - nor did it match the final version I had signed off on three days beforehand. 
Both prior and after receiving the final disclosure to review on XX/XX/2016, I was concerned with its accuracy and both called and emailed multiple people at Commonwealth who encouraged me to sign off without clarity implying that a potential discrepancy was likely do the payoff schedule dates. ( See attached correspondence reminding me of potential loss of deposit ( {$500.00} ) if not signed off on. 
Since closing, XXXX DID ADMIT that there was an error in my loan estimate and I 'd be receiving a refined based on their oversight. Commonwealth then informed me that they would be seeing my loan to XXXX XXXX XX/XX/XXXX XXXX. 
The notices I received from both lenders regarding loan transfer on XX/XX/2016 reflect different principal amounts ( Commonwealth shows a principal balance of {$250000.00} and XXXX shows {$240000.00}. 
More importantly - both lenders amortizations schedules differ from one another - and neither adds up to the amounts associated with the total proposed to pay over the life of the loan ( or principle/interest/TIP ) on ANY of the Loan Estimates or Disclosure Estimates provided throughout the process of refinancing - or at closing. 
To-date I have requested, a revised final closing disclosure multiple time that matches an amortization schedule and have not received either. Because my initial payment on the loan is due this month - and it 's more than two months after the date of closing, I 'd like assistance in reviewing all of the documentation I 've compiled to support this timeline in an effort to get clarify, revised paperwork and possibly revised rates to reflect what was initially quoted to me in order to secure the loan. 
I look forward to someone 's reply and hopefully a resolution to the lack of clarity and accurate documentation associated with my new loan. Please advise if there 's someone I can send a more detailed summary with emails/rate estimates/disclosures and closing documentation, which outline ( and prove ) the oversights relating to refinancing with Commonwealth Mortgage. 
In addition to my address, I 've also included my phone and email. Thank you in advance for contacting me at your earliest convenience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-05-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: After a year of having my mortgage with Ditech, it was sold to another service provider for a period of only two months and then Ditech bought the mortgage back in XXXX of XXXX. My first payment due date was XXXX XXXX, XXXX. I mailed my payment on XXXX/XXXX/XXXX and Ditech received the payment and the check cleared my bank on XXXX/XXXX/XXXX. The last week of XXXX I received a call stating that my payment was late. After speaking to a representative ( XXXX in XXXX XXXX ), she noted that Ditech did in fact receive the payment, but it was not applied to my account for an unknown reason. She then advised me that when my XXXX statement arrived showing the past due amount, that I should only pay one payment and that she would insure that my XXXX payment was credited to my account. On XXXX XXXX, I received a voicemail from XXXX again, stating that the XXXX payment was indeed past due and I should contact Ditech. When I called ( speaking to another representative ), I was told that the check that cleared my bank on XXXX/XXXX/XXXX had been refunded to me on XXXX/XXXX/XXXX. When I asked why, I was told she was n't sure. As of the date of this letter XXXX/XXXX/XXXX, I have not received any check. To make matters worse, I was told that in order to keep my account in good standing, I was to make the XXXX payment again or risk becoming delinquent. I did so by phone and have a confirmation number for that payment. Against my better judgement, I did this to protect my wife 's and my good credit. My XXXX payment was due on XXXX/XXXX/XXXX and again, against my better judgement, I mailed this payment by check on XXXX/XXXX/XXXX, in fear that the payment from XXXX/XXXX/XXXX would not be credited to my account. As I business owner, I understand that accounting errors can occur, but every time I have contacted this company, I have not received a straight answer where my first XXXX payment is. The answers have been from 4 different representatives : 1 ) It will be credited to your account, 2 ) It was refunded by check on XXXX XXXX, 3 ) It was electronically transferred back to your account, 4 ) We do n't see a payment from you on XXXX/XXXX/XXXX. None of these items have occurred. I have copies of the cancelled check and it was deposited into Ditech 's account. Today, I went to my mortgage loan originator for his help. We jointly spent one hour on the phone with 4 different Ditech representatives and got different answers from each one. No solution was presented by any representative. We were sent to a voicemail of the 3rd supervisor of the day and never received a call back. This company has violated the terms of the mortgage agreement, while I have complied. This entire issue is an internal Ditech issue, but has quickly become my issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/14/2016 about Mortgage (VA mortgage) with Stearns Ventures, LLC (MN).
Issue: Settlement process and costs

Complaint: XXXX XXXX an employee at XXXX XXXX is dishonest regarding my Earnest Money and the contract at XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. 
I was planning on purchasing a home XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX so I began to deal with XXXX XXXX from XXXX XXXX and XXXX XXXX from Stearns Lending. I was previously living in a apartment and my lease was ending in XXXX XXXX, 2015. I did not renew my lease so I had to move out on XXXX XXXX, 2015. I had been having some issues with XXXX XXXX and XXXX XXXX regarding the purchase of the above stated property. Some of the issues are that XXXX XXXX held my Contract that was signed by the Seller and Buyer for 30 days before giving me a copy regarding the residence stated. XXXX XXXX and XXXX XXXX gave me my Final Settlement Charge Statement and my Earnest Money was not on the statement and the {$5100.00} dollars from the Seller was only using {$3100.00} dollars, my insurance from my insurance company ( XXXX ) was only {$710.00}, and I explained that to XXXX XXXX and to XXXX XXXX. On the settlement charge statement they had my homeowners insurance showing {$820.00} and when I talked to XXXX XXXX about it he lied and said there was nothing he could do. From the beginning of this deal I felt that they were being dishonest and they were not treating me fairly. So I did not sign any of the settlement charge statement and I ask for XXXX XXXX XXXX to return my earnest money. XXXX . XXXX talk to XXXX XXXX and they came up with a new settlement charge statement. The new settlement charge statement had the same problems except the statement showed a raise in settlement charges and I also had to bring to closing {$1200.00}. So I ask them how could that be when I am 100 % financed thru VA. After the XXXX time of trying to work with them thru the many insults I received I then refused to sign the settlement statement and ask them for my earnest money. I never signed any of the final settlement charge statements because they were incorrect and dishonest. I call XXXX XXXX and XXXX XXXX about these issue and they would not return any of my calls. As a result of this unfortunate situation I am homeless and reaching out to you with this issue hoping you can help me get my earnest money back or find a solution for this matter. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent a certified letter to TransUnion, XXXX, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX   and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which TransUnion, XXXX, and XXXX  failed to do.

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 11/14/2016 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I continue to receive calls from a company called Credit Control LLC which is claiming that I owe a debt, but on these calls Credit Control LLC wont say who the debt is from or what the debt is for. These calls started early this year and have continued to occur every other month. I have received no information in writing from the company. 

Furthermore, they are asking for personal identity information on their voicemail so I am concerned this is some type of identity theft scam. 

In reviewing my credit reports and contacting lenders/creditors, I have no record of any debts due or overdue, and no information from this company about what debt is due or what this is for. No adverse effect is noted in my credit reports or credit score so I am not sure what specifically they want, but the calls are becoming more harassing and frequent. Since I have received no written correspondence from the company or any creditor, I am concerned they are trying to scam me out of money or personal information.

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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have contacted Transunion several times, and sent them copies of my marriage certificate, driver 's license, social security card and a utility bill in my name. I have sent multiple letters via mail and I have called several times since XXXX. The last time I called was XXXX/XXXX/XXXX and before then XXXX XXXX and XXXX XXXX of this year XXXX. I informed them I was looking to clean my credit file and update information in order to purchase a home, and I was told that my married and current legal name does not match my credit file. But when I cal, they will not let me speak to a US representative and say that I need to tell my creditors my issue. I then state that my issue is with Transunion and that I am not asking them to delete my maiden name but put it as an AKA to my married named so that my married and current legal name shows up first on my credit file. I have been denied credit because of this.

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 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Westlake Services, LLC (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: West Lake has inquiries on my credit report several times that I know nothing about, I tried writing to have them remove this and I have not heard back anything from them, the dates of the inquires are XX/XX/XXXX listed 2 times, XX/XX/XXXX listed 2 times, trying to get this resolved I have no knowledge of this at all.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (SD).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/2015 I submitted a partial payment for an escrow shortage. I called XX/XX/XXXX to see if it was received and the lady said yes, but it was applied to principal and she would switch it to escrow and she did. She was looking at a different transaction- my bank had sent 2 full XX/XX/XXXX payments by mistake and one of them was applied to principal. Had she looked back one more week, she would have seen that they already received my escrow payment that I sent by check. When XX/XX/XXXX came due, I noticed what had happened because almost all my money was gone. I called them immediately and explained that the principal she changed to escrow was a mistake and to apply it to the XXXX payment. I had to write a letter to request this, and I did. I paid XX/XX/XXXX, but I would not have enough for XX/XX/XXXX since I had sent them an extra payment. They said it would get taken care of before XX/XX/XXXX was due. I called XX/XX/XXXX and I was informed the matter was closed and it still was n't applied. They have since reopened investigating, but now my XX/XX/XXXX payment is late.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: We had a credit lock put on our equifax credit report after a fraud incident. We paid a fee for this service. We cancelled this service a few months ago. When we tried to refinance our mortgage we were told there was still a lock on the account. We called equifax and they charged us a fee to take the lock off. It was still locked and we called them again and they charged us another fee. The account was still locked. They then said they needed a fax of our drivers license and Social Security card. We faxed and have a confirm but they are claiming the either did not receive it or it was illegible, they do not know which. We need to get this lock of the credit report to be able to complete the mortgage refinance process but Equifax seems incapable of staing what we need to do to have a lock we paid for to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a a unverified account from CMI # XXXX. I had previously disputed this account. I have never done business with CMI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CMI # XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CMI Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I filed for acceptance in the XXXX program with my servicer, Wells Fargo Home Mortgage. I was denied acceptance into the program for the Underwriter intentionally miscalculated and included my bankruptcy payment. They had been notified that the bankruptcy was to be dismissed, not discharged, on XXXX XXXX, 2016. Not once was I offered assistance with the XXXX Program. I contacted the XXXX number and was counseled by XXXX XXXX. I contacted XXXX and am now awaiting assistance from a XXXX who contacted me on XXXX XXXX. XXXX XXXX, who is assigned to work with me at WFHM stated I was denied for the XXXX because my investor rejected it. When I asked her the name of my investor, she stated XXXX FHA. On XXXX XXXX I received a call from XXXX stating she was with the XXXX XXXX of XXXX. She conferenced XXXX into the conversation and prompted her to look for the qualifying criteria for the HAUP. XXXX ( after stating to us she was familiarizing herself with the program while on the phone with us ) stated to me in order to qualify for the XXXX that I had to be actively seeking unemployment and that 's the reason I was denied, for I did n't state on the documents that I was actively seeking unemployment. I thereby stated, " Anyone with common sense knows that if you are receiving unemployment in the state of Texas, job search is a requirement and nobody told me that I had to state that on the documents that I faxed in to them for the HAMP program. Nowhere on the forms does it ask are you actively seeking unemployment. '' What kind of games are they playing? 
I submitted all requested documents timely. The point is .... Although I submitted my award letter from the State of Texas verifying I was unemployed ... Wells Fargo FAILED to consider me for the Unemployment Program. 
I was transferred to the Special Forbearance Dept of Wells Fargo by XXXX on XXXX XXXX and spoke to someone who identified themselves as XXXX XXXX. He assured me someone would contact me on XXXX XXXX. No one ever called. Now I 'm being told to resubmit paperwork for an appeal. Why do they send people through this unnecessary stress? 
Did n't the Federal Government allot monies for these programs so the investors at this bank would be compensated? 
They never offered to extend the duration of my mortgage to lower my payments. 
They never offered to reduce my interest rate to lower my payments. 
Their only offer is a short sale or deed in lieu for my home! 
It 's as if they intentionally SET THE HOMEOWNERS UP FOR FAILURE! That is their intent! 
Now, I do n't trust them to have my best interest in assisting me in keeping my home. 
They are going to get their money, just work with us, but ... unfortunately, they do n't seem to care. 
My prayer is XXXX XXXX for Wells Fargo Home Mortgage. 
Shame on you Wells Fargo Home Mortgage.

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 10/30/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (TX).
Issue: Trouble during payment process

Complaint: I sold the property of which Ditech Financial, LLC serviced the mortgage on in XXXX XXXX 2017. The mortgage had an escrow balance due me, according to the online statement in the amount of {$1900.00}. 

Ditech said it would take 30 days to process the payment and they would mail out. 
I received no payment in XX/XX/XXXX or XX/XX/XXXX. I called back to Ditech, they said they mailed out and would put a stop payment on that draft and send out another payment and would take 10-15 business days to process. 

In XX/XX/XXXX, I still had not received the re-issued draft. Ditech confirmed my mailing address. I called Ditech again, this time they offered to wire funds and that would take 10-15 business days to process. 

As of XX/XX/2017 I have received no funds from Ditech. I called again today and they offered to reissue the draft or wire transfer which would take 10-15 business days. 

Why should I have to remind Ditech month after month to for them to send the money that belongs to me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Mortgage (Conventional home mortgage) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report

Complaint: We successfully short sold our home in XXXX of 2016. The process was easy and fast. Everything was done flawlessely or so we thought. XXXX has yet to report to the bureaus that this account has been closed and the house has been short sold. So as of right now for the last 21 months straight my wife 's credit and my has been getting hammered and the account shows over 120 delinquent. I have reached out to XXXX several times to have this corrected. They have yet to do so. It is almost two full years later and they need to be held accountable now.

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