milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/14/2017 about Vehicle loan or lease (Loan) with PNC Bank N.A. (IL).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: Prior to going into the dealership-XXXX XXXX in XXXX XXXX- I completed an application with XXXX XXXX XXXX XXXX and was pre-approved at 3.73 %. I informed XXXX XXXX of this prio to agreeing to them running my credit. I approved them running credit to see if I qualify for financing through XXXX at 0.00 percent. They told me that I didnt qualify for XXXX finaning. They then told me that PNC was the lowest offer for financing at 4.88 %. I mentioned again of XXXX XXXX to them at 3.7 % they proceeded to tell me that XXXX offered 5 %. and that PNC was lowest they could get me. After getting home I called XXXX XXXX to confirm. Well, XXXX confirmed the 3.73 % rate and that this rate was given to XXXX XXXX. So, I requested the dealership cancel the contract with PNC. They told me they are looking into it and will get back to me. It has been two weeks and no response. I have called PNC directly to discuss this issue. When I go online to research PNC rates, they also have rates lower than the 4.88 %. I am confused frustrated and very upset that I have been unable to resolve this issue on my own. I have made countless calls, visited the dealership again in person to discuss. I had gotten nowhere. At this point I want to return the vehicle because I do not want to continue a relationship with the dealership. I would like my contract cancelled effective immediately. I text the manager XXXX at the dealership this request in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (MD).
Issue: Trouble during payment process

Complaint: My home mortgage which was sold to PNC. I understand that legally they must notify me 15 days before they start to assume payments for my mortgage. My current mortgage company informed me of the sale and tried to give me the account number for my new company, but that part of the form letter was left blank. I have waited to receive information from PNC on their acquiring my loan and information on how to submit payments. I have received no notice from them and have not received any information on how to submit my next payment. Considering the fact that PNC requires that you either set-up EFT autodrafts, mail in a check, or charge you {$7.00} for each payment made online from a non-PNC account, I need the time to make sure my payment arrives on time and am not overcharged interest or an arbitrary fee for just making a regular payment. I think it should also be illegal for them to charge you a fee for simply making an on-line payment from a non-PNC account, but let 's start with them at least adhering to the laws that already exist.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX 
1. SETERUS was not responsive to payoff requests, which resulted in them securing more time to collect interest payments - I believe they owe me interest that they collected past the closing date2. SETERUS is now not responding to my requests for a refund of {$1600.00}, as escrow funds they collected for city taxes are no longer my responsibility as I sold the home and they are now the responsibility of the new ownerI sold my home with a closing date of XXXX XXXX, 2015. Beginning in XXXX, the title company began contacting SETERUS requesting a loan payoff statement. After multiple faxes and phone calls, SETERUS kept claiming that not only did they never receive a payoff request, the title company was n't authorized to request the payoff, and it had to be done by me, the homeowner. I made multiple requests via phone and online, yet it took over a week to get a response and we finally received the payoff notice after the closing date. My loan was paid in full on XXXX XXXX, yet they have XXXX XXXX as the payoff date, which gives them 3 extra days of interest charges. The issue now is that I am having a difficult time getting the city property taxes they collected returned to me. The taxes are due XXXX XXXX and are now the responsibility of the new homeowner. SETERUS can not keep the money they collected, yet they will not give me a definite answer on sending it back to me, just that the refund is pending. I have made multiple phone calls, and SETERUS does not have a way to be contacted via email. I need help getting SETERUS to send me the refund check for taxes collected, yet no longer my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Every where on the internet including federal trade commissionsays don '' t trust a business to clear your credit report they have n't seen one yet do it right or correctly ... Save your money. So then all over the internet it says its possible to do it yourself and thats about it. then everyone just talks circles about how you can do it yourself ... And never tells you how?? Or gives you a step by step guide on how you can remove negative marks on your credit report. So please how do i get this done?? I have one collections that i paid two years ago imeadiatly when i found out about 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 04-01-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo sold my mortgage to XXXX I was a little behind on my mortgage and they wanted me to sign for extended years to XX/XX/XXXX I bought my house in XX/XX/XXXX thats a fifty one year mortgage. And i did not sign any papers so they sold it to XXXX saying i was in Bankruptcy. My wife filed for bankruptcy in XX/XX/XXXX and it was nothing to do with Wells Fargo so how can they say and do this 4 years later and exspecially when it had nothing to do with Wells Fargo. So Wells Fargo is having XXXX as a third party that I pay XXXX more a month than I did before.

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 03/27/2018 about Debt collection (Federal student loan debt) with ECMC Group, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victim of identity theft. I became aware of a student loan debt in XX/XX/XXXX of last year when I tried to apply for a loan. XXXX had my account via my credit report. I notified all three credit bureaus immediately of identity theft. They did a dispute.30 days later it was not removed nor did I receive a response from XXXX. I notified XXXX on XX/XX/XXXX, and the account was closed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$8200.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$6000.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$5300.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$4700.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$4000.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$2100.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} XXXX XXXX XXXX. XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX - DIRECT Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX XXXX - DIRECT Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX  Closed : XX/XX/XXXX {$0.00} Closed XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$0.00} I mailed the Affidavit of truth and fact notarized on XX/XX/XXXX, copy of drivers license and social security card, the official police report # XXXX, and federal trade commission identity theft report # XXXX. After they deleted it, it appears that they sold the debt to ECMC ( Educational Credit Management Corporation ) Account # : XXXX. I faxed the information to that company on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On both my transunion and XXXX report XXXX has my account listed as charged off or repossesed. My car was stolen and I have the police report to prove it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Credit card () with SYNCHRONY FINANCIAL (AL).
Issue: Closing/Cancelling account

Complaint: Since XXXX of XXXX, I have paid my credit card statement the same way every billing cycle with no Late Fees but on XXXX XXXX, XXXX when I checked my account on line and found a Late Fee of {$25.00}, I called Synchrony Bank and they told me that the statement which was posted on XXXX XXXX, XXXX was due on XXXX XXXX, XXXX. I told the lady there was no way this could be true. It was posted on the XXXX, I paid it on the XXXX and it could not be due on the XXXX of the same month. I asked to speak to her supervisor and she told me the same thing. After all, they did remove the late fee. Things went on as normal until the following Monday which was XXXX/XXXX/XXXX. My statement for XXXX had been posted but I was charged a Service Charge of {$28.00}. I called Synchrony Bank again to find out what the charges were for and learned they were for purchases after XXXX/XXXX/XXXX which did n't make sense since I had paid the bill in full on the XXXX. This time I had spoken to a man which was very nice and I proceeded to tell him the things that had happened the previous Monday. He said he could transfer me to an Account Manager and maybe he could help me. I spoke with XXXX and told him everything that happened and he said that when I made the payment the same day as the statement was posted that it was applied to the previous month which caused me to have a Late Fee and service charges the next day for purchases. I had been a customer of Synchrony Bank since XXXX but had never been told that when payments were posted that I could not make a payment the same day otherwise it would be posted for the prior month. This is such an unfair practice and I had never been told that before so I proceeded to tell him that I would pay the balance in full and would close the account since I believed their " way of conducting business '' was wrong if not illegal. At this point I had accrued {$210.00} of rebate for XXXX. When I closed the account on XXXX/XXXX/XXXX, I was told that I would NOT be reimbursed the {$210.00} of accurued rebate. I told them that this is wrong and I do n't know how they can legally do that. The rebate was accrued in XXXX and had nothing to do with XXXX. I have been treated like a criminal when I was only a good customer from the time I became a customer of Synchrony Bank. I could not have been treated more unfairly. Someone needs to do something about this. I do believe this is illegal. I do n't know if this will affect my credit but I think if there is anything they can do to damage me they will do it. I do n't trust them else I would not have closed the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with QUICKEN LOANS, INC. (FL).
Issue: Credit decision / Underwriting

Complaint: I got divorced in XXXX of XXXX. At the time of the divorce, part of the settlement was to allow my ex-wife to stay in our marital home since we had a young daughter. We agreed we did not want to disrupt her life. When I left the home as part of the settlement my ex-wife agreed to take over the house expenses and mortgage. It was an adjustable mortgage with XXXX XXXX. During the years she has tried to refinance the mortgage into her name before it began to adjust but does not qualify, we then tried to look at HARP options but the mortgage is not owned by XXXX or XXXX XXXX so we were told no on that option. Fast forward, she has been paying the mortgage in hopes her income would go up and she would be able to refinance out of my name. The mortgage began to adjust as of XXXX XXXX. I was recently laid off last year during XXXX XXXX, and went from making XXXX to each year less and less. Now in XXXX I am making XXXX. My ex-wife decided to leave me with the house after she realized she would not be able to put the mortgage in her name so I have had to move back into the home. I have contacted Quicken loans to try to do a modification to a fixed mortgage since the rates are adjusting and going up and now I make a lot less, I provided all the documentation they required every XXXX weeks. After providing the documentation every XXXX weeks I realized I was not getting anywhere, I called and escalated my case to their XXXX relations group. I spoke with a XXXX XXXX in the executive office who said he was a supervisor. I spoke with several Quicken employees who said they were supervisors and were not. XXXX XXXX, XXXX XXXX, XXXX XXXX. The company employees lack integrity. Anyway, after several calls to follow up and back and forth, XXXX XXXX told me my modification request was denied, his reason was I made too much income. I asked how was my income calculated he refused to disclose the math, how can you tell some XXXX they are denied and not explain why? In addition to this I also received my mortgage statement for XXXX with an additional {$180.00} fee showing up on the statement with no explanation of why. I called to ask them why and to remove it and they have yet to resolve the issue. The executive relations rep XXXX slipped up and said it was XXXX charges, when I questions it further she said she was not sure what is was and would look into it. She was also suppose to be a supervisor, when I asked to speak with her supervisor, she said it was XXXX XXXX. Again Quicken employees are being dishonest. I feel absolutely uncomfortable with with them no XXXX in there executive relations group seems to be honest and I do not know who else to go to to hear my case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (I do not know) with NELSON AND KENNARD (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was sent a letter by an attorney  XXXX   XXXX  wi th Nelson & Kennard   XXXX .  XXXX   XXXX ,  XXXX  CA  XXXX . They stated that I owed  XXXX  to  XXXX   XXXX    XXXX     XXXX .  XXXX   XXXX .  XXXX , VA  XXXX , and they were going to obtain judgement against me for that. This letter was dated  XXXX   XXXX ,  2017 , I had 30 days to write them back and dispute the debt. I did so, and asked to see the application for the debt, and to know where the moneys were sent to. Because I never signed such an applicaton nor have I ever recieved any moneys from them.   They wrote me back a letter with reciepts attached from  XXXX   XXXX   XXXX . Not what I requested? Nor was it any help to me.   I am going to reply to both  XXXX   XXXX  and  Nelson & Kennard, b ut have not yet done so as I am requesting help from you.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Bank of America closed all my accounts ( checking, savings, business ) without any notice before, or an explanation after, they were closed. I have had my checking account for over 20 years with them.

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 06/27/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Application, originator, mortgage broker

Complaint: This MORTGAGE CASE THROUGH BANK OF AMERICA HAS BEEN GOING ON SINCE 2004!!!!!!!!!!! This is my 3rd time complaining through CFPB about a BANK OF AMERICA FRAUD CASE. I was hung up on through BANK OF AMERICAS FRAUD DEPT today. She was so rude, and she never apologized at all. When I asked her what is done about my reporting the FRAUD, she told me it 's only an INTERNAL REVIEW!!! NOTHING IS DONE ABOUT THE FRAUD THROUGH BANK OF AMERICA!!!! She took my number and claimed she would call me back tomorrow ... .. LIES, LIES, LIES, LIES!!!!! The woman hung up on me after finding XXXX CLOSED FRAUD CASES from me, against BANK OF AMERICA ... .. UNRESOLVED AGAIN!!!!!! LIES FROM BANK OF AMERICA AGAIN!!!!! BANK OF AMERICA NEVER followed through with what they said they would do. FRAUD, FRAUD, FRAUD. BANK OF AMERICA is only showing XXXX FRAUD COMPLAINTS from me over all these years. THIS HAS GONE ON SINCE 2004!!!!! BANK OF AMERICA HAS HAD ME IN LIMBO WITH THIS FRAUD CASE FOR OVER 12 YEARS!!!!! If this is not resolved this time, I WILL SCREAM FROM EVERY ROOFTOP AND IN FRONT OF EVERY TELEVISION CAMERA I CAN FIND!!!!! XXXX XXXX ; Case Manageer from BANK OF AMERICA NEVER FOLLOWED THROUGH!!!! XXXX XXXX ; Customer Advocate NEVER FOLLOWED THROUGH EITHER!!!! I HAVE RECORDED MESSAGES, ALL KINDS OF PAPERWORK VALIDATING EVERYTHING!!!!! THIS MORTGAGE CASE THROUGH BANK OF AMERICA HAS BEEN GOING ON SINCE 2004!!!!!!!!!!! This is my 3rd time complaining through CFPB about a BANK OF AMERICA FRAUD CASE. I was hung up on through BANK OF AMERICAS FRAUD DEPT today. She was so rude, and she never apologized at all. When I asked her what is done about my reporting the FRAUD, she told me it 's only an INTERNAL REVIEW!!! NOTHING IS DONE ABOUT THE FRAUD THROUGH BANK OF AMERICA!!!! She took my number and claimed she would call me back tomorrow ... .. LIES, LIES, LIES, LIES!!!!! The woman hung up on me after finding XXXX CLOSED FRAUD CASES from me, against BANK OF AMERICA ... .. UNRESOLVED AGAIN!!!!!! LIES FROM BANK OF AMERICA AGAIN!!!!! BANK OF AMERICA NEVER followed through with what they said they would do. FRAUD, FRAUD, FRAUD. BANK OF AMERICA is only showing XXXX FRAUD COMPLAINTS from me over all these years. THIS HAS GONE ON SINCE 2004!!!!!

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 06/26/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with SYNCHRONY FINANCIAL (NM).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I have called to try to get through to someone and can not get a representative on the phone to tell me why my account was closed without my authorization when my account was current and had a XXXX  balance

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 10/23/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a long-time FHA home loan with XXXX XXXX XXXX with no problems. I had a perfect payment history. Unknown to me, the loan was transferred to a servicing company called Green Tree. Apparently, XXXX XXXX XXXX at first was forwarding to Green Tree the payments I continued sending to XXXX XXXX XXXX. Over a year ago, unknown to me, XXXX XXXX XXXX stopped forwarding my payments to Green Tree, did not tell me and I then received letters from Green Tree ( I thought these were " junk mail '' ). Eventually, I opened one and it stating my mortgage was in default. This was quite a surprise to me since I was sending my payments to XXXX XXXX XXXX. I had to pay a large penalty and foreclosure fees. Green Tree did not send statements to me, or payment coupons, or information about where to send payments, even after my repeated requests. I then sent payments to the address listed on their website, which they stated was the wrong address. Although Green Tree did cash some of the checks, they did returned some others. They claimed there were penalties owed, which I disputed. Now Ditech has the loan ( I do n't know when that happened or if that is a sister company of this Green Tree entity ). They are attempting to foreclose a second time. Ditech is now trying to foreclose.They have ruined my credit due to their fraudulent acts. I am a XXXX, and this matter is effecting my health.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (Mortgage debt) with BWW Law Group, LLC (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: BWW Law Group representing XXXX XXXX XXXX has continue to make false statements in reference to a court case involving the property XXXX XXXX XXXX XXXX. See complaint # XXXX The judge never ruled on the Fair Debt Collection Practices. BWW Has continued to violate Fair Debt Collection Practices 807, 809 and 814. The judges ruling is only pertaining to an affidavit not debt collection practices. I am requesting that Consumer Financial look at the documents and due diligence in holding BWW Law Group accountable for the debt collection practices of this law firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MS).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Call navient about my loan amount to find out why it was so high. The responds I recieved from navient was, we are unable to tell you that information, because we can ouly go back so far, but what can tell you that your loans were merged together in 2011 and we are unable to see anything past 3 years. The next thing I was told by navient was to contact the schools i attened to obtain this information, I informed navient that I contacted XXXX but wes unable to contact XXXX XXXX XXXX do to the fact they were no longer in business. I thanked what do I do because my loans are totalling XXXX dollars and I know this can not be correct. Navient then sent me to another website were it gave me no information it all. Now I am being told that my payment are upwards of 1000+ dollars which i can not afford. With no help insight I have no ideal of what to do on this matter.

Company response to consumer: Closed with explanation