milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-06-2015 about Consumer Loan (Vehicle loan) with BMO HARRIS BANK NATIONAL ASSOCIATION (IA).
Issue: Managing the loan or lease

Complaint: For the past several months I 've been paying extra principal ( or so I thought ) each month when I sent in my auto payment. When I called this week I discovered the extra money I 've been sending has simply been paying any additional interest rather than paying down the balance as intended. So now I 'm paid ahead a month or more when I want to have my balance lowered as intended. When I contacted customer service they attempted to make me feel like this is a benefit to me, in case I do n't want to make a payment in the future I wo n't have to since I 'm paid ahead. Seems like flawed logic at best and outright robbery at worst. Why would I pay extra for any reason other than applying it to principal. If the lender does n't know how I wanted the money applied they could simply ask me. Seems to me they are lining their pockets by applying to my additional payment amount to interest rather than principal thus dragging my loan out further than I desire

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased my home XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX. 
XXXX XXXX XXXX was the servicer at the time. I paid every payment on time. 
I went through a divorce, unemployment, XXXX and ( Not-at-fault ) automobile accident that caused me to fall behind on the payments. I qualified for XXXX and was able to maintain my house. XXXX XXXX XXXX agreed to accept a loan modification instead of the previous messy one. In the middle of the process, they sold the servicing to Seterus, XXXX XXXX XXXX, which since then have been extremely aggressive accelerating the process towards foreclosure despite my several attempts to communicate that I have been going through the process of Loan modification with XXXX XXXX XXXX, they are insisting that there is no record of the modification except for the XXXX occurred in XXXX XXXX. I filled the Seterus XXXX application but they have sent me Notice of intent in XXXX only 10 days after they received my loan servicing from XXXX XXXX XXXX. It is my belief that XXXX XXXX XXXX has passed on the responsibility to Seterus since Seterus seems to get away with being a bully and extremely unhelpful. Every single time I called Seterus, I had to re explain the entire story of my loan with XXXX and how the initial modification although successful at {$2200.00} per month including of Taxes, insurance and Escrow, they simply messed up the paper work after the successful three month trial of {$2200.00} per month, they suddenly raised the mortgage payment to {$2700.00} claiming that they mis calculated the escrow. That took six month for me to get XXXX XXXX XXXX to admit and issue me the opportunity to go through a XXXX modification. Only one month through the process they sold off the loan servicing to Seterus. Now Seterus seem to be blocking my loan modification process, at XXXX time they claimed that the reason they do n't wish for me to apply for modification is because I had a modification less than a year ago despite me explaining that it was a messed up process and that XXXX commenced a second modification. I explained that all that needs to happen is to simply see the documents that I sent to XXXX prior to the transfer XXXX XXXX and see that I was going through a modification. I told them that I am confident that I will be able to pay the mortgage after the modified amount is reduced to the original payment as defined by XXXX of {$2200.00} per month. I am confident that I can pay that amount and keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was in XXXX and was looking to purchase a phone. I showed the merchant the phone i was interestednin-merchant requested my passport a crerit card. He went into the back and when mercant returned he said the display phone wws last one. I asked for the box, merchant said it did not have one. I took battery out of phone and saw imei number scratched off. I told merchant i was not interested. I asked that he reverse the charge he made on my credit card. Merchant refused. I called credit card company while still in the store and was told to just leave abd dispute when i returned to us. I submitted dispute to citibank who reversed charge. Approx two months later the charge was reinstated. I again submitted a copy of a phone i did purchase at diff store one hour later that included phone number and description of phone, imei no, return policy etc. Citibank responded that merchant submitted receipt, yet as i told them merchant ran my credit card prior to telling me the phone was not new and likely stolen. I told citibank that merchant did not provide me with receipt that included phone number, type of phone, and my name which was registered with phone number. This is required wheb purchasing a phone ib a different country. I stated to citibank all they beed tondonis ask for phone number and proof that phone was registered under my name or fimply call number to see if i answered. Citibank has refused. This has been going on since XX/XX/2015. i returned to the XXXX to speak rith merchant. The store no longer exists. I submitted pictures and a signed affadavit from the manager of the hotel i was staying at. Citibank dismissed my proofs. I told citibank that it was illegal to purchase stolen merchandise with citibank credit card. Despite all of this, citibank has permanently reinstated charge to my account and reported it to XXXX credit reporting agencies. Bc I wasnone of the individuals whose fbi background check iinformation was stolen from the us office of public management, I reached out to them. They topd me i should retain an attorney. I canbot afford an attorney, nor will i pay for something i did not receive simply bc citibank XXXXtinues to threaten me with delinquency. The fact that merchant 's store webt out of business, it is unclear how thry are verifying merchants account of this purchase that nuver happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Bankruptcy reported on Equifax and XXXX credit report. I disputed the entries directly with each credit reporting agency. The credit bureau responded that the information was verified by XXXX XXXX, XX/XX/XXXX. However, I contacted XXXX XXXX and was advised that my file has been frozen since XX/XX/XXXX and no information has been verified. I also contacted US Bankruptcy Court and was notified that they do not do provide information to third parties. Therefore, I conclude that the response provided to me by the credit reporting agency has not been verified and is an automatic response. I have spoken with personnel at the US Bankruptcy Court and XXXX XXXX to confirm the accuracy of my conclusion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2016 about Debt collection (Auto) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently noticed a Capital one Auto Finance appearing on my credit files. I requested that Capital One validate the debt and send me a copy of the application that was used to open this account. They never replied back to the debt validation letter, however, they are continuing to report this misleading information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XX/XX/XXXX I sent a dispute letter to XXXX  regarding an account on my credit report for which they claimed that I owed {$1200.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from their company or any company that they represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period. On XX/XX/XXXXI followed up with another dispute letter to XXXX  stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. On XX/XX/XXXXI received a letter back from XXXX stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. On XX/XX/XXXX I sent another dispute letter to XXXX  stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for XXXX   to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. On XX/XX/XXXX I received a letter back from XXXX   stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. I have been getting the same response since.

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 09/27/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I get an upwards of 8 to 10 phone calls every day from them, they will not work with me and they call every hour if not multiple times in the hour.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a XXXX XXXX XXXX XXXX Card through Citibank and I paid off the balance of {$22000.00} in full in XXXX XXXX. I filed a complaint with CFPB about the interest I was being charged in XXXX XXXX and the complaint was closed with no corrective action. In XXXX XXXX, I received a refund check from Citibank for this account of {$14000.00}. Prior to receiving the check I received a phone call from Citibank and the representative asked for my address to send a " refund of interest charges. '' When I received the check there was no explanation for this refund other than the message on the stub which reads, " Below is a refund check for the credit balance on your account. '' This account has been closed for more than five years.

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 12-08-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: On XXXX XXXX, 2015, I was informed by the CFPB " The company was unable to respond to my complaint because of pending litigation about the same issues raised in the complaint. No further action will be taken on the complaint. '' At this time I am submitting a new complaint to reassert the issue presented in complaint number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I called the suntrust executive office on XXXX XXXX and talked to XXXX XXXX. I explained to her that ALL of my emails to XXXXXXXXXXXX in the last few months were IGNORED and asked her why. She said she did n't know why but said that is not how suntrust does business. I pointed out to her that that obviously is how suntrust does business otherwise someone would have responded to my emails. It 's also obvious that REPEATEDLY LYING TO CUSTOMERS is also how suntrust does business and THEY DO NOT CARE. I told her about the ongoing problem the last XXXX years of NOT getting a correct mortgage bill AFTER I pay my escrow shortage. How can they cash my check for the escrow shortage and then send me a bill for the exact same amount I just paid them?? THAT IS A SCAM!! I also asked her why my escrow has been short 3 years in a row. I 've had mortgages with other lenders and NEVER had any problems with getting a correct statement or had my escrow short EVERY YEAR. She told me she would open a case for my complaints and call me the following Monday, XXXX XXXX. She of course did NOT call me back. So I tried calling her on XXXX XXXX and was told by XXXX that XXXX XXXX was gone for the day. I called again on XXXX XXXX and briefly talked to XXXX who refused to answer any of my questions. I called AGAIN on XXXX XXXX and finally spoke to XXXX XXXX again. I reminded her of my conversation with her on XXXX XXXX and that she said she would call me back. She LIED and said that she thought my complaints were being handled by the social media team. My complaints were NEVER going to be handled by the social media team because they NEVER answered my emails and my complaints on XXXX about XXXX XXXX never calling me back were removed and I was BLOCKED from posting any more complaints, even others are still allowed to post theirs! During my conversation with XXXX XXXX on XXXX XXXX she told me again she would have someone look into my complaints and she would call me back on Monday, XXXX XXXX. She even went so far as to tell me she " put it on her calendar '' which was also apparently a LIE because of course SHE NEVER CALLED ME BACK. I am so tired of being DELIBERATELY LIED TO REPEATEDLY BY PEOPLE WHO ARE HANDLING XXXX OF MY HARD-EARNED MONEY. This is completely unacceptable!!!!! These people have absolutely no business handling other people 's money!!! I need written, verifiable proof that someone is working on a resolution to my complaints and I need a FULL NAME ( FIRST AND LAST ) of the person/people resolving my complaints along with their direct phone numbers. Is there anyone at suntrust who knows how to tell the truth?????

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 03-06-2018 about Mortgage (FHA mortgage) with LAKEVIEW LOAN SERVICING, LLC (GA).
Issue: Closing on a mortgage

Complaint: The Company is : Lakeview Loan Servicing , LLC or XXXX Attn : Consumer Solutions Department XXXX. XXXX XXXX XXXX XXXX, VA XXXX I closed on my home XX/XX/XXXX. 
In my closing papers my new forwarding address was listed as XXXX XXXX XXXX XXXX GA XXXX. 
On XX/XX/XXXX- XXXX XXXX XXXX ( XXXX ) paid XXXX {$1600.00}. This was alarming considering I already closed on my home, so I called to find out what was going on. 
- XXXX confirmed they recieved payment from XXXX and issued me a refund check for {$1600.00}. 
- The XXXX XXXX XXXX Stopped the check to XXXX  ( apparently the realized they paid them by mistake and sent my refund check to XXXX XXXX XXXX XXXX GA XXXX on XX/XX/XXXX ( or so they say ) Well that is not my address anymore, i clearly sold that house, so i cant figure out why they did this. 
- Since that is not my address i started calling XXXX XXXX XXXX and trying to MY ESCROW money sent to me ... 
- I have called SEVERAL times and always get put on hold and wait for 25 minutes before they disconnect me. 
- I believe this company is trying to steal my money and put me on a block list so i cant speak to management. 
- I am now trying any avenue possible for them to send me MY MONEY to the CORRECT address, this entire mix up is all their fault and they need to be held accountable for holding MY money for so long without permission. 


Please remove my address before publishing

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 12/21/2017 about Credit card or prepaid card (Gift card) with U.S. BANCORP (CA).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: I was given a " XXXX XXXX Debit gift card '' as a XXXX gift in XX/XX/XXXX. I did not try to use the card until recently in the first week of XX/XX/XXXX. I went online to register the gift card online as instructed on the back of the card. I discovered that fraudulent charges were applied to my card, which was surprising because the card had been in my possession the whole time. 
I immediately called customer service ( XXXX XXXX XXXX XXXX XXXX ) to inform the company and file a dispute in order to get the funds returned to my card. However, each time I called the company I was given different information as to what I needed to fax over and each time I faxed documents over I was told that those faxes had not been received and I needed to fax additional documents. ( See Attachments ) After the third call to them I was told that my account was closed because I did n't call within the 120 days from the first fraudulent charge. However, there was nothing in the advertisement that stated this but in order to get some consideration I must send another fax requesting the Letter of Consideration. In the end, I am constantly given the run around, always with different and various instructions. It is as if they were hoping that I will finally give up from frustrations of consistently getting the " run around.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/27/2017 about Mortgage (Conventional home mortgage) with Statebridge Company (MA).
Issue: Trouble during payment process

Complaint: My mortgage was transferred from XXXX to Statebridge XX/2015. No paperwork was received. I had to contact XXXX to receive information on new company. Statebridge continuously state for a year and half I did not have a mortgage with them. After making contact with them I sent a bank check in certified mail-XXXX, I sent another bank check that was returned. I then contacted Statebridge.after numerous attempts and over one hour wait times ( phone records for proof ) I also had sent weekly emails to the company with not one response, I did receive statements I made contact with a person named XXXX who stated they would not accept my payments at this time and I was in active foreclosure. I then asked for some type of modification I had most funds but insurance had escalated. My insurance was {$1800.00} they were stating my flood insurance for {$7500.00}. The representative stated to apply for a modiication, I did the modification three times all times stating they did not receive. I then asked for one specific representative her name was XXXX XXXX which I did process twice waiting or a response I contacted Statebridge and they stated she was no longer with the company. I then was assigned to a XXXX XXXX I did modification again but they requested I get a binder for insurance. I then had to reapply for modification and received a binder with XXXX XXXX which I paid again did not hear and when I contacted Statebridge I was told XXXX XXXX no longer works for Statebridge. I then asked to speak to a head supervisor as the entire process was a debacle. I then made contact with XXXX XXXX, I at this point was required to attain flood insurance in which I purchased. I finally received a modification but at this point my interest went from 5 to 6 % I honestly thought it was an error. I contacted her and she stated the investor wanted it that way, I would have to do another modification and try different options-she then stated I needed an appraisal from XXXX XXXX which I scheduled. I CONTACTED XXXX AGAIN as I did not receive any response. They stated the appraisal was never completed and I would have to do another appraisal visit in which I scheduled. I then again made contact with XXXX XXXX to find out she is no longer with Statebridge and XXXX XXXX was contact. I contacted XXXX XXXX at this point I was offered a repayment plan with a % XXXX down  payment and a mortgage payment of {$6200.00}. This company is completely disorganized and I have in good faith tried to work with them. I am able to put down a down payment but ask for a reasonable mortgage. I have all emails, first modification but was unable to send as file was to large. I can print and forward if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Credit Reporting Agencies continue to report XXXX Collections ( a debt from XXXX ) on my credit report for approx. {$190.00}. XXXX never verified the debt and it should hence be removed ty the CRAs. Thank you!

Company response to consumer: Closed with explanation