milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/19/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (NV).
Issue: Credit decision / Underwriting

Complaint: I am in the process of closing escrow on a new home, escrow is supposed to close XX/XX/XXXX. 
I have sold my current home, and both my home now and my new home should close escrow on the XXXX. XXXX title has requested a payoff on my current loan from freedom mortgage about 2 days ago, should only take 24 hours to respond. Freedom mortgage still has not responded. I called freedom mortgage today which is XX/XX/XXXX, talked to a woman who said she would fax ticor title right away. She also said it would take ten minutes. She also offered to e mail me a copy of the payoff and I agreed. It 's been 3 hours and still no response. I reminded freedom as to how important it is for them to respond to XXXX XXXX as I have 2 weeks until I 've got ta move and it just seems as if they do n't care.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my income because I got XXXX, so I applied with Wells Fargo for a loan modification, they denied it the reason I could afford it ; they said my income is high. At that time I had to go to the hospital so my income went down, they said so long I have change in income I could apply again, so I did it, they denied it again the reason the same as before, which is not true, without any other explanation, I believe the real reason of the deny is the house mortgage is much less than the market value of the house, they will be in better situation if they foreclosure Loan No. XXXX 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 explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My series of loans were originally handled by XXXX XXXX and are now handled by Navient. My complaint stems from representations made by representatives of both loan servicers. On three separate occasions reps at XXXX XXXX ( Navient ) advised me that I was eligible for a forbearance. I was told that the forbearance was granted and that no payment would need to be made for a year. I relied on these representations and budgeted my money to other bills. On three separate occasions, I was contacted by XXXX XXXX ( Navient ) and told several months later that I did no qualify for a forbearance, that the verbal forbearance granted to me by the rep was erroneous and that I was now months late and the total sums for those months were due and owing. XXXX XXXX ( Navient ) reported me to the credit agencies as being late and the drop in my credit score drastically affected my family. I ended up filing complaints with XXXX ombudsmen -- nothing happened. I complained to XXXX XXXX ( Navient ) managers and nothing happened. 

The question is why can XXXX XXXX ( Navient ) get away with misrepresenting their own policies to the detriment of borrowers time and again without any repercussions? I am still dealing with the negative credit reporting and all the fees associated with late payments. No other company could get away with managing so much debt so irresponsibly. 

All I am requesting is that the negative reporting to the credit agencies be withdrawan.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Auto) with American Credit Acceptance, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Contract was cancelled due to the original creditor selling this debt to XXXX. I have no contract or no legally binding documents with my signature agreeing to this debt with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: " The California Homeowner Bill of Rights became law on XXXX XXXX, 2013 to ensure fair lending and borrowing practices for California homeowners. 
The laws are designed to guarantee basic fairness and transparency for homeowners in the foreclosure process '' IS IT FAIR THAT IF YOU WANT TO HAVE ANY REPRESENTATION BY AN ATTORNEY, IT MAY COSTS A MINIMUM OF {$8000.00}? AND THERE IS NO GUARNTEE THAT YOU WILL SUCEED IN YOUR MORTGAGE MODIFICATION. 
IS THE PROCESS TRANSPARENT & FAIR WHEN YOU HAVE TO EDUCATE YOURSELF AND RESEARCH FOR HOURS AND HOURS JUST TO FIND ANY INFORMATION THAT MAY HELP YOU IN THE LOAN MODIFICATON PROCESS, IT APPEARS IT TAKES A LAW DEGREE TO FIGURE ANY OF THIS OUT?? 
IS IT TRANSPARENT & FAIR WHEN YOU DO N'T KNOW WHAT THE UNDERWRITER 'S CRITERIA IS, SO YOU MAY PROVIDE THE NECESSARY DOCUMENTATION TO MEET THEIR GUIDELINES FOR THE APPROVAL OF YOUR MORTGAGE MODIFICATION PROCESS?? 
IS IT TRANSPARENT & FAIR WHEN THE LENDER REQUIRES THAT I SEND A COUPLE OF REAMS OF PAPER ( DOCUMENTATION ), SPEND A {$1.00} A PAGE TO FAX IT AND/OR SPEND {$50.00} OR MORE FOR POSTAGE TO SEND IT TO THEM, IS THAT FAIR?? I DO N'T HAVE A FANCY COPIER, FAX, SCANNER OR COMPUTER IN MY HOME LIKE YOU HAVE IN YOUR UNDERWRITER 'S OFFICE. 
IT IS FAIR THAT I HAVE TO WAIT 6 MONTHS TO HEAR FOR AN UNDERWRITERS DECISION, FIND OUT THAT YOU NEED ANOTHER REAM OF PAPER FAXED TO YOU. THAT 'S FAIR??? 
I DARE YOU LENDER TO COME IN MY HOME - INSTEAD OF SENDING SOME FIELD REP FROM THE XXXX AREA TO TAKE PICTURES FROM THEIR CAR - YEP YOU CAN SEE THE XXXX FLAG I FLY FOR MY SON, WHO MADE THE DECISION TO SERVE HIS COUNTRY AND YOU SEND ME A LETTER ASKING IF I 'M IN THE MILITARY?? COME INTO MY HOME AND SEE HOW I LIVE, SEE HOW I STRUGGLE AND WORRY ABOUT LOSING MY HOME BECAUSE I 'M WAITING FOR AN UNDERWRITER 'S DECISION??? WHO ARE THESE UNDERWRITER 'S???? 
THIS CA HOMEOWNER 'S BILL OF RIGHTS DOES NOT HELP THE HOMEOWNER WHO IS TRYING TO SAVE THEIR HOME FROM FORCLOSURE. I 'M TRYING TO KEEP XXXX ELDERLY RETIRED FOLKS AND A FAIMLY OF XXXX FROM BEING HOMELESS!! 
I 'M SORRY LAWMAKERS, NON-PROFITS, ( AKA HUD CERTIFIED COUNSELORS ), ATTORNEYS & STATE AGENCIES YOU GET TO UTILIZE THE XXXX XXXX DOLLARS YOU RECEIVED FROM THESE LEDERS AND COVER YOUR SALARIES, OFFICES AND OVERHEAD - YOU ARE THE ONES PROFITING!! 
GET REAL - THERE IS NO TRANSPARCY AND WHAT IS YOUR DEFINITION OF BASIC FAIRNESS????

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was a victim of fraud in XX/XX/XXXX. All affected creditors resolved the matter on their end, removed the fraudulent accounts along with their associated balances and reported their findings to the credit bureaus. It is now XXXX and Equifax still has not removed the Inquiry from my credit report although XXXX has. Ive made multiple contacts over the past 4 months to the creditors trying to get all the credit inquires removed and I was informed that they have already submitted this information to the bureaus ( at least 2x now ) but Equifax hasnt actioned it. 
It is frustrating and disappointing that Equifax cant be more timely in processing requests that have a negative effect on my life and goals. I cant help but think that the fraud was a result of their data breach anyway. Credit inquiries should be removed at the same time the accounts and balance are. The fraudsters are evil for doing this to people but the bureaus sloppy clean-up practices allow the consumer impact to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: Ten  years ago we suffered credit card fraud and the police said to place a credit freeze on our credit report. Now we are applying for a mortgage and this is the third day I have spent trying to have both freezes removed. First this department is located in  XXXX  and they do not have a command of the  English  language nor do they know how to spell simple names  (   XXXX   ).  They do not speak clearly and aggravated when asked to repeat. They also lie, they say they are  XXXX  They drop calls when asked to be transferred to t he US co unterparts. The main number of Transunion does not answer to receive complaints or to help with problems. The final straw is when I finally called, after getting all their pertinent garbage to have them tell me they ca n't access my file because it is being updated. Th e US  agent had a completely different procedure than the one I followed the previous day to have my freeze removed and refused to release the freeze in a timely manner. I have to fax him a request and then he will mail it to me??? I am applying for a mortgage and time is of the essence. The other  XXXX  bureaus quickly and graciously removed the freeze the same day. They must be more expedient and cooperative for their reporting. I expect a complaint line, answered by a live person who speak s English and underst ands it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Bank of America ( BOA ) has incorrect information on my credit report and it is affecting everything. I have tried for 1 year 6 months to correct this problem. I have spoke with at least 15 Bank of America employees and they each tell me they 're going to help but to date nothing. The local branch in XXXX, MA stated to me I was correct and never had a line of credit with them. They have no paperwork. My father, whose name is same, except he is XXXX did have a line of credit. They ( BOA ) stated they would have it come off my credit report. It has been 1 1/2 years later and still no help. I recently tried to get a loan and because of this incorrect and wrong credit reporting by BANK OF AMERICA, I can not get a loan. This is RUINING my credit. They state I had a line of credit with them and I never had a line of credit with them. My father ( who has same name ) did have one with them. I had a loan from Bank of America for my camper and it was paid on time and in full to Bank of America. I have written letters, I have done everything ( BOA ) has asked me to do still no results. It started back in XX/XX/2016 I went to get a personal loan and it came up I had a line of credit with them and defaulted by bankruptcy. Neither of which happened with my me and my credit. This problem on my credit report is ruining my life and they have promised to help and all I get is a big run around are not helping me at all. The local branch said they would help and give them 30-60 days to have it removed, but here we are over a year later and it is still on my report. I am at the point where I will have to hire someone to help me and it will cost me more money to straighten this mess out. BOA has been no help and as of today 's date, it is still on my credit report. Any help is greatly appreciated.

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 09-04-2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (TN).
Issue: Managing the loan or lease

Complaint: I purchased flooring from XXXX XXXX on a 'same as cash ' basis. Each month the statement had the minimum payment due and the balance. If figured under current minimum payment and balance the projected payments would fulfill the loan in a short time. Nothing was reported on the amount of time available before the same as cash status ended. This week I received a bill with the previous balance and the interest of {$2300.00} which was XXXX of the original loan. There was no bill for the total remainder prior to levying the back interest and no opportunity to pay the full amount OR be charged the XXXX interest. The {$2300.00} charge is simply added to your account with no options. I believe this is just the sort of unfair lending practices the consumer financial protection agency was created to protect against. Given the option I would have taken the money out of my remodeling fund for my house and paid off the loan. Instead I was charged over {$2000.00} just this month without any option to pay off the loan. Had they simply stated that the interest would be charged if the loan was not paid on a certain date I would have paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-02-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I believe my consolidation loans have been manipulated to the benefit of the banks by approximately {$20000.00} over the life of the loan, contrary to what I would have agreed to. 
I consolidated my loans XX/XX/XXXX. Originally serviced by XXXX XXXX XXXX, now Great Lakes. I honestly do n't know what the exact terms of the loan were at the time, I am trying to obtain documents but keep getting denied. I 'm guessing I would have set-up a 15 maybe 20 year loan. I started paying as soon as I could, I always paid as much if not more than they asked of me, but what I did n't realize is that I was barely covering interest each month : from XX/XX/XXXX - XX/XX/XXXX an average of about {$65.00} towards principal vs {$300.00} interest. Using the interest rate and the payments I was being charged the duration of the loan would have been over 27 years. When Great Lakes bought the loan in XX/XX/XXXX they did n't change anything and in fact the first XXXX payments had a grand total of {$22.00} applied towards interest. XX/XX/XXXX I had a late payment ( my wife forgot to pay ) and at that point someone from Great Lakes contacted me and told me that my loan " would n't ever get paid off at that rate. '' I was just so shocked I said yes, change it and even made double payment the following month. At that point they structured the loan right at 20 years. This leads me to think that my original agreement would have been at 20 years. 
So, more than 5 years into the loan I 've only paid down the principal by {$4300.00} ( excluding {$800.00} in extra payments I 've made since XX/XX/XXXX ). A simple loan calculator shows that a 20 year loan with these interest rates and no extra payments should have {$9700.00} of principal paid. Seems like this situation should be illegal ... I would n't have agreed to it and Great Lakes would have continued to benefit at my expense had I not decided to double check their work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (AZ).
Issue: Settlement process and costs

Complaint: My refinance started in XX/XX/2015 with Carrington Mortgage. Around XX/XX/XXXX I called them for status update on the refi, processor said my VA was not XXXX percent entitlement. after XXXX calls to the VA, VA called Carrington mortgage and explain that it was XXXX percent entitlement so they said I could close XXXX XXXX 2015, nope then they said XXXX XXXX cause everything had to be redone. NOPE so then they said everything was redone because it took so long and that I would close XXXX XXXX,, NOPE I called, told then Im about to lose my interest rate so he emails me back said he was applying to extend my interest rate tomorrow XXXX which I was suppose to close on XXXX XXXX, Im am so fed up with Carrington Mortgage. Still no closing date makes no sense to me they are the worst company I have every dealt with in my life. Still no resolution. In XX/XX/XXXX I called their boss and he basically told me if I did n't like it I could take my refi somewhere else. The incompetency at this level phenomenally mind boggling.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I received an alert email last nite from Equifax letting me know my credit report was ready ... the problem with that is I did not access nor request my report ... Equifax told me the request came from XXXX ... they completely disavowed any knowledge of how it happened ... who pulled it or anything else ... their solution to my issue was to get on a computer to stop others from pulling my report ... they refused to put a freeze on it even though they are the reporting agency ... I am astounded that in 2015 someone can pull my report from anywhere other than where I live and it sent up no security alerts ... 
Then this morning I get a call from XXXX XXXX for my XXXX XXXX asking if I had made multiple charges on the account and they read them off ... it was north of {$3500.00} and as the rep was asking me about them he stopped himself and said wait ... the charges were made in XXXX ... I live in New Your, United States ... so if the bank can see where the charges originated why ca n't the credit bureau see where my report request came from? 
XXXX closed my account ... issued me a new card and started a fraud investigation ... Equifax did nothing ... 

Please help me with this matter ... thank you in advance ...

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I 've filed several complaints about my process working with Indymac/OneWest bank in attempts to modify my loan beginning XX/XX/XXXX. Indymac/OneWest finally offered a loan modification XXXX. After 3-months trial payments, I reviewed their contract and realized it would leave me with a mortgage of over {$900000.00} which my late husband left me with, so I chose to move on. The house was scheduled for auction on XX/XX/XXXX and I had friends interested in buying. My attorney called the Trustee Corporation phone number but a minimum bid amount was never available. On the day of the auction the auctioneer delayed in 15 minute increments so no minimum bid was ever announced, and there was no auction. After about an hour, my attorney called me to say the house was bank owned - XXXX is on record as bank owner, so by not announcing a minimum bid, it feels like this was a back door deal between the banks. Two days later, a Realtor - with XXXX XXXX XXXX, XXXX County - and her husband were on the property taking photographs. I was given 30 days to vacate which would have been XX/XX/XXXX, but I vacated on XX/XX/XXXX. 
I 'm filing this complaint because it 's been a horrible process to be left a widow with a XXXX dollar mortgage because the banks threw money at my late husband who was gambling on our equity. It 's been horrible to have been left with a mortgage over the {$720000.00} maximum amount the Obama administration deemed worthy for debt forgiveness so people could stay in their homes of many years. And it was heartbreaking to go through the humiliation of a foreclosure that turned out to be a back door agreement between IndyMac/OneWest and XXXX. And after all of that, the Realtor threatened me that the bank would sue me if there was vandalism at the house I vacated. My attorney explained the bank could not sue me after vacating, so I want anyone going through this to learn from my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MI).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: In XXXX 2017, I accepted an offer from American Express and received a Gold Delta SkyMiles Credit Card. The offer stated that I would receive XXXX bonus miles after I spent {$1000.00} within the first 3 months, a {$50.00} statement credit after I made a Delta purchase within the first 3 months, and other incentives such as miles per dollars spent, free baggage checking and priority seating. I made the required purchases within the first 2 months. Although I have received the " other '' incentives, I have not yet received the bonus miles or the {$50.00} credit. 
I have called American Express several times this past year and as told by the agents that I should have received the miles and credit, and they would investigate. I have not received any feedback from the company concerning this issue and am resorting to contacting this agency for help.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Bank account or service (Other bank product/service) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Deposits and withdrawals

Complaint: A company has been withdrawing money from my checking account. I am not familiar with this company and called them asking them to stop withdrawing money from my account. They agreed to stop, but they continued doing so. I notified the bank ( HSBC Bank ) and had to fill out some forms with them under perjury of law. The problem continued and I went back to the bank and complained again and was asked to fill out the same forms that I fill out the first time. each time this company took money out of my checking account I was charged " with overdraft '' protection, since little to no money was in my checking account. The bank continued to let this company take money out of my checking account and charge my with " over draft '' protection. The bank now, present day ( XXXX XXXX 2016 ), claims to have sent me my new debit/atm card. I can not take money out of my checking account without my atm card. The bank claims that they sent me a new atm card, but I have not received it. I called the bank and they said that they will send me another card, which I still have not received. I do receive from the bank notices and statements, but still no debit/atm card. I filed a complaint with the post office in case the problem is there and now I filing a complaint with the bureau of Consumer Financial Protection. I would like this problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are 3 unauthorized credit inquiries on my credit reports from XXXX XXXX XXXX XXXX from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not authorize any of the inquiries from those dates.

Company response to consumer: Closed with explanation