milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2016 about Mortgage (VA mortgage) with SUN WEST MORTGAGE COMPANY, INC. (NJ).
Issue: Settlement process and costs

Complaint: I refinanced my mortgage using contour mortgage. My current mortgage company sunwest mortgage gave contour a payoff on XXXX XXXX. I signed the closing papers on XXXX XXXX, 2016. I have my monthly payments directly come out of my checking account every XXXX of the month. I was advised by sunwest to cancel my XXXX payment threw my bank due to the signing which I did. XXXX also calculated per dime payments into the final payoff which would bring the payments current from the date of requested payoff until XXXX XXXX when the payoff check was received. I received a letter from sun West stating my loan has been paid in full dated XXXX XXXX. I am now receiving phone calls from sunwest stating I need to make a XXXX payment. Both myself and contour mortgage have documents paying the loan in full and do not believe I owe a XXXX payment because of that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans union had a computer breach in their system between XX/XX/2017 nd XX/XX/2017 that violated the rights of their consumers under section 6.11 I have been greatly affected and my score is suffering as a result. This computer glitch which caused all of the collection accounts on my credit report to be deleted, and my credit score increased. The very next week all of the accounts were reinserted into my report without prior written notification in direct violation of sec 611 of the fair reporting credit act. I have spoken to several reps of trans union and they all acknowledge that the security breach happened multiple times in XX/XX/2017 but they refuse to fix their error in my credit report. I am requesting that the reinserted collection accounts be permanently removed from my credit file. I demand the following collection accounts be removed immediately. XXXX XXXX XXXX act # XXXX in the amount of {$84.00}, XXXX XXXX acct # XXXX in the amount of {$510.00}, XXXX XXXX XXXX acct # XXXX in the amount of {$610.00}, XXXX XXXX XXXX acct # XXXX in the amount of {$890.00}, XXXX XXXX XXXX acct # XXXX in the amount of {$860.00}, XXXX XXXX XXXX acct # XXXX in the amount of {$780.00}.

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 explanation
Consumer complaint received 09/26/2016 about Bank account or service (Other bank product/service) with OLD NATIONAL BANK (WI).
Issue: Problems caused by my funds being low

Complaint: I was a customer at XXXX in XXXX Wisconsin but Old National Bank took over and WITH OUT my permission automatically set up the autopay on items that I LEGALLY had intended not to pay due to findings of a state of wisconsin result of their investigation I now have a -XXXX in my checking account due to reoccurring NSF ... I 'm livid and want this mess cleared up. I also have a feeling old national bank kept me from cashing my payroll check so I starved all weekend. Straighten this mess so I can bank elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with College Loan Corporation (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I noticed on my credit report this student loan was reporting as 90 and 120 days past due in XXXX and XXXX XXXX.I believe this information to be erroneous. I have tried contacting this company and contacting the credit bureaus to no avail. There are several reasons I do not believe the reporting is erroneous : 1. I am attaching a copy of my college transcript which shows me full time enrolled through summer quarter 2012, which would have ended in early XXXX 2012, which would have meant my loans should have been in forbearance. The would have been removed in XXXX so the most the loans could have been in 30 days past due. 
2. I was never given any information from the lender about the loan. I called the lender last night and spoke with XXXX, who was very helpful. He advised that calls were made to phone number ( XXXX ) XXXX. That is not and has never been my phone number. My phone number is area code XXXX. I had XXXX repeat the phone number on file twice. He also advised a correspondence was mailed to XXXX XXXX XXXX That was not the correct address for me at that time either. 
XXXX advised me that during a call to set up payments on the account in XXXX 2012, when my account was current and I was being proactive, I would have supplied the lender with the false phone number and address. That seems illogical for someone that proactively called in a made a payment. I pleaded with him to pull the call and listen to see what occurred. He called me back this evening and stated the call ca n't be reviewed due to retention policies. However, he advised that he has to assume the lender did what they were supposed to do. So if you do n't know who made the error, it has to be the customer? That seems unfair and deceptive. I feel helpless in having this issue resolved. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I 've been paying extra toward my monthly principal EVERY MONTH. Freedom Mortgage has not credited me the full amount of 'extra principal ' every month that I 've been paying of {$200.00} extra principal since XXXX XXXX, 2016. They have only been crediting {$150.00} instead of the full amount of {$200.00} of extra principal. My previous amount due every month was {$1300.00} and starting XXXX XXXX, 2016, Freedom Mortgage did a 'review ' of my escrow and determined that my payments should be lowered to {$1200.00}. I 've attached a statement from Freedom Mortgage dated XXXX XXXX, 2016 that reflects the monthly amount that is 'due ' as of XXXX XXXX, 2016 is {$1200.00}. XXXX Mortgage even acknowledged their receipt of {$1400.00} and that the amount due was {$1200.00} as evidence on the attached statement. Please have Freedom Mortgage credit me for XXXX, XXXX, XXXX, and XXXX 2016 ( and any months following that I 've paid ) for the extra principal amount that I 've paid of {$200.00} each month. Thank you in advance.

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 08/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The credit company Transunion is reporting that I have several things on my credit report that is affecting my credit score inasmuch its preventing me from obtaining apartment rentals and the financing of an automobile. The false information that is being reported are evictions, a lien judgment and identity of current addresses that does not reflect my credit history because these places in which are reported are not of any former or current residences.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Credit decision / Underwriting

Complaint: Chase Conventional Loan continue to report derogatory history on all XXXX 3 XXXX credit bureaus/history. Reporting as closed, foreclosure and late pay. This debt was included in my Chapt XXXX BKT and should be noted as such. I 've disputed this item twice with no success and updates to my credit history. I 'm requesting that Chase removes this from my bureaus completely! This account was opened XXXX. They have had many class action law suits for the unfair practice in handling my account. This reporting is impacting my credit history and negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I had Navient/XXXX XXXX as my loan servicer from XX/XX/XXXX-XX/XX/XXXX. During that time, here 's what happened : -My interest rates on my loans were an average 10.46 % -My MINIMUM payment was around {$940.00} per month for 30 months -In XX/XX/XXXX, I called to ask about an Income based repayment plan, and they told me I was not eligible. At the time I was making {$12.00} an hour, living at home with no rent, no car, and STILL could barely make the payments. I still did every single month on time. 
-I requested to have my cosigner released in XX/XX/XXXX, which they denied -I requested a reconsideration of that denial, and they denied it again -I requested AGAIN in XX/XX/XXXX to have my cosigner released, which they denied -I AGAIN requested a reconsideration of that denial, and they denied it again -I tried again in XX/XX/XXXX to have my cosigner released, and they denied it again -I tired for a reconsideration of that denial, and once again it was denied My loans in total with Navient came out to {$67000.00} In the 30 months that Navient was my loan provider, I paid over {$28000.00} In XX/XX/XXXX, I had my loans reconsolidated with XXXX which cut my interest rate and minimum payment in half My loan balance as of XX/XX/XXXX with Navient was {$66000.00} After paying Navient over {$28000.00}, the principal of my loan decreased by {$710.00}. 

When I look at these numbers, the pain I feel is indescribable. Navient robbed me. Navient made me regret getting an education, a privilege that so few people are able to have. My student loans were, and still are, a constant source of struggle every single day. I think about my loans every single day, multiple times a day. This has limited so many aspects of my life, including racking up credit card debit, not taking jobs in my field ( I can't take that job, it pays too low starting out. How will I pay my loans? ), not being able to save money, etc. 

Where did the $ 28,000+ I give Navient go?? What they are doing to our youth is despicable. The interest rates for their loans are disgusting. Navient needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: Several months ago, Bank of America closed my Core Checking account. The account was in good standing and always had a positive balance. I inquired about why it was closed and where my remaining balance went. I was just told " sometimes these accounts just get closed. '' When logging in to my account, I am not able to access any of my past statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CO).
Issue: Credit decision / Underwriting

Complaint: In XXXX 2016, I applied for a refinanced mortgage from US Bank. I have had multiple accounts from US Bank for decades. The mortgage I wished to refinance is an ARM that I wanted to refinance to a fixed rate loan. I have lived in the same house and paid on the mortgage for almost 15 years. The refinance was going to be 80 % loan to value. 
Because I 'm retired, I do not have XXXX income. In addition to Social Security income I have income from investments and real estate. I was required by US Bank 's underwriters submit a huge amount of documentation. The bank 's document requests dragged on for months, costing me inordinate amounts of time and inconvenience. On Monday, US Bank denied my refinance application, because they said my debt to income ratio was too high. I never saw their analysis of debt to income, but I believe they were completely misinterpreting the documents that I had submitted. My only debt is my mortgage, and when I compute my debt to income ratio using conservative assumptions, my debt to income ratio is about 30 %.

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 10-01-2017 about Debt collection (Other debt) with Aldous & Associates, PLLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX and associates reported a new collection account in my credit report with out sent me any letter to state that I have the right to dispute. I do not own anything to them but they damaged my credit with reporting negative mark

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 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently received a copy of my credit report and noticed an unrecognized account from XXXX XXXX. After several attempts to speak with them, I found out that this loan was taken out using my information in XX/XX/XXXX for an address in Illinois. I have lived in Michigan since XX/XX/XXXX. I did not obtain this loan and have tried several times to have this information removed. XXXX XXXX has subsequently changed the information after I called them to my current address and contact phone number and will deny my disputes with the credit bureau because they have my current address. I have attempted several times to have them send me the information on the account with no such luck. They always take down my phone number but have YET to attempt to call me back. After doing more investigation, I found out that the branch where this loan was taken out had several employees commit fraud using other people information without their knowledge. I also found out that XXXX XXXX knew of this issue, but they still refuse to correct the credit of those affected. This is causing me a severe hardship and needs to be corrected 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 05/22/2017 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: I disputed an account with   XXXX   XXXX   XXXX  . The account is closed with a  XXXX  balance. Equifax continues to validate incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MN).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I opened a Wells Fargo credit card with 0 % for 15 months. I initiated a balance transfer of {$5000.00} dollars from my new credit card to XXXX XXXX XXXX sky miles card. It never posted to XXXX XXXX and I 'm being charged interest every month! XXXX XXXX claims they never received the money, Wells Fargo claims they sent the money at the beginning of XXXX. Wells Fargo ca n't provide me with any transaction info I if they actually sent it, where they sent it, or anything else. In this day and age, it ca n't be possible that transactions are n't easily traceable. This is absolutely ridiculous. I 've contacted both institutions multiple times, I 'm basically being robbed of money in interest.

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 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: this unknown account needs to be removed from my credit report because it is causing me and my family a lot of stress. thank you XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/XXXX Balance {$6100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$6100.00}

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 explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a hard inquiry for a Walmart credit account. I 've never had one or applied for one. Please check this out for me, so this can be removed from credit report. 
Thank You XXXX 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 06-02-2017 about Payday loan, title loan, or personal loan (Payday loan) with LDF Holdings, LLC (FL).
Issue: Struggling to pay your loan

Complaint: Payments come out every Thursday last one was dated   XXXX   XXXX   XXXX     My family is struggling real hard Wife has n't had a job for awhile we have  XXXX  kids and by the time loans come out no money is left for Food after paying bills and according to Depart ment of Children and Fam ilies I make too much for help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Prepaid card (ID prepaid card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Fees

Complaint: XXXX/XXXX/15 purchased an American Express Bluebird debit card at XXXX, XXXX CA loaded it $ XXXX called to cancel card, requested a XXXX card was finally processed and mailed ( that is what I as told ) XXXX contacted XXXX several times to find out where my check for r efund was. 
I suggested that the financial institute who issued the check be notified and get status from them. 
Called back XXXX/XXXX/15 check was returned ( they had sent to my physical address, I live in rural area we pick up mail at XXXX XXXX XXXX 
XXXX refused to understand this. Spoke to XXXX who assured me they would sent to my XXXX due to the situation. She told me the check should go out within the new few days. I waited until XXXX/XXXX/15 sill no check, was XXXX around, left on hold for over 1 hr or more. Found out that the XXXX check mailed out as XXXX again mailed to my physical address. Why would you remail to an address that was not acceptable AGAIN, even after assuring me it would not be. I even offered another solution but was turned down. This is unacceptable, it was negligence, fraud, false advertising, deceit. The insert clearly states 10days to receive a refund. I am expected to wait another month? I have suffered XXXX stress due to incompetence of this company. I experienced financial loss, and personal loss as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/21/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Credit decision / Underwriting

Complaint: I was in the process of getting a loan on a piece of property for investment purposes. I was approved by Bank of America for a 15 year loan of {$70000.00} and a rate of 4 %. After the appraisal I was instructed by Bank of America to do repairs to the exterior deck railings before we could close. I proceeded to repair the railings at the cost of {$750.00} labor and material. After completing the rails I was informed by Bank of America, according to their underwriter, that I needed to get a road maintenance aggreement form signed by all of the property owners that had a building on the entrance to the property. I own the property adjacent to the property we are trying to purchase. The owner of the warehouses south of the property refused to sign the aggreement stating it would decrease the current value of his property. to date I have spent {$750.00} for the survey, {$650.00} for the appraisal and {$15.00} for the credit reference. At this point nothing has happened and the loan is in limbo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (I do not know) with Solidus Group LLC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For the past year, or more, scince changing phone and changing to new phone Number, I 've been receiving intimidating, harassing, threatening leagal action against myself if I do n't respond : by various debt collection Agencies, claiming it is regarding ( I believe ficticious ) a person - XXXX XXXX..? Attached to this phone number..? At first I tried to understand and set the record straight about I 'm not this person, I did n't write this ( ese ) bad check ( s ), and they always promised they would correct their records and take my phone number off their call list. It would be a couple of months and then the calls would start over and it seems other collecting agenies would be added, as if they must be passing my phone number and the erroneous information on this " bad debt '' to other new collection agencies. I 've contacted my phone carrier, XXXX XXXX, who only suggested changing to a different number ( at my expense/inconvience ) but as they recycle numbers, they can offer no guarentees of who or what might be attached to the new number..? This last month and a half I 've logged up to XXXX Voicemails of these intimidating harassing Phonecalls and contacted them and they '' ve continued with the same lie that they 'll correct their records and remove my phone number from their call list. A particular one - XXXX, XXXX XXXX & phone # XXXX & # XXXX referencing some file # XXXX after just promising yesterday XXXX XXXX 2015, to update and correct their records proceeded to call with their intimidating, harassing phone calls again today the XXXX XXXX 2015.

Company response to consumer: Closed with explanation