milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with RoundPoint Mortgage Servicing Corporation (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Round point mortgage servicing company have refused to provide information concerning the terms that was signed on property XXXX XXXX XXXX XXXX Louisiana XXXX they have applied all payments made has been held back as though we are n't making payments. I HAVE ALL DOCUMENTS FROM ATTORNEY OFFICE, HUD CONTRACT.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I do not work and have never worked for the XXXX XXXX XXXX. 
I do not Work at XXXX XXXX -- it should read XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2016 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: EQUIFAX insist on reporting Public Record on credit files. FAIR CREDIT REPORTING AGENCY STATED THAT THIS PUBLIC RECORD WAS TO BE REMOVED IN XX/XX/2016. CONTINUED TO DISPUTE HARD INQUIRIES. LETTERS SENT TO CREDITOR STATING I DID NOT AUTHORIZE CREDITORS TO INQUIRE INTO MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Medical) with Mid-Michigan Collection Bureau (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was not notified of my bill. I had found out that I had a bill from my credit report. I had called the number about it. I told them I never received a letter about my bill. So I asked if I pay the bill can they delete it from my credit report because I was never told about the bill. I had paid XXXX of them and it was never deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (HI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I TRIED TO FIX THIS PROBLEM THAT MY SON HAS THE SAME NAME AND ADDRESS THAT I HAVE HIS STUDENT LOANS ARE REPORTING ON MY CREDIT FILES. MY SON IS NO LONGER HERE HE XXXX XXXX. I ALSO HAVE FRAUDULENT ACCOUNTS SHOWING ON MY REPORTS.

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 10/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage loan is currently serviced by Wells Fargo. Wells Fargo has refused to complete the modification underwriting process through HAMP ( exhibit A ). Wells Fargo has advised that there is a split security interest on this loan with XXXX. Regardless of the security interest split, per the National Mortgage Settlement of XX/XX/XXXX, Wells Fargo is required to process all loan modification requests through HAMP. Ultimately, Wells Fargo must proceed with the loan modification waterfall process and use the standard DTI threshold of XXXX % in order to figure the proper monthly payment. Per the loan modification that Wells Fargo executed XX/XX/XXXX ( exhibit B ), the payment was set at {$1600.00} interest only payment and {$1900.00} total payment with escrow. This particular loan modification is predatory in nature since the DTI equals nearly XXXX %, which is way beyond the XXXX % threshold. Regardless if this loan modification was structured under HAMP or an in house proprietary modification, RESPA laws were violated due to the predatory lending actions. I have also been approved for CA Hardest Hit Funds to bring my account current, which Wells Fargo declined to accept. Had Wells Fargo accepted the funds, I would not be in the current foreclosure positon I am in today. Wells Fargo has implemented a foreclosure sale date of XX/XX/XXXX ( exhibit C ), even though they have been negligent in following the laws within the CA Home Owners Bill of Rights ( CHOBR ). The CHOBR has been violated on XXXX distinct levels. One, Wells Fargo never assigned single point of contact that processed the loan modification from start to finish. Two, Wells Fargo will not process the current loan modification application submitted, citing that previous denials will not allow for re-entry into the loan mod process. Three, Wells Fargo, has not halted sale date activity when formal appeals were filed in the past. Since Wells Fargo has violated RESPA and CHOBR law on many levels, I am seeking your assistance on this matter. You can reach me direct via email at XXXXXXXXXXXX

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 09-07-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I originally got this loan from the XXXX XXXX of Florida, in XXXX, Florida. It was originally serviced by XXXX XXXX. I had no problem with XXXX XXXX up until they joined/split/sold my loan to Navient. Who then said that I had to renegotiate my payment plan, and that I could n't simply continue paying what I was paying XXXX XXXX. At that time I could n't pay what they were asking me to pay, so there was literally nothing I could do to make them happy. I have continued to speak to them since the beginning of this year to try to set up a new payment plan and every time I try they always come up with some astronomical payment that I simply can not pay for. They say that it 's because my dad is my cosigner and that he should be able to pay for it if I ca n't. Most recently they have told me that I am so far past due that they can no longer set up a new payment plan for me because I 'm already getting " the lowest rate possible '' and if they were to change anything else on my loan that it would actually make the payment more, which totally makes sense, right?! I even point blank asked them, what makes them think that if I ca n't pay the lower {$100.00} per month payment, that I could POSSIBLY pay the actual monthly payment they want which is over {$160.00} per month?! It 's just NOT POSSIBLE! However, they continue to say that it is, even though in doing so would leave both my AND my father with just bout {$5.00} per week of spending money. Every time I call them I either get hung up on, transferred so many times that I have to give up, or am basically treated like some second class citizen and they are extremely rude to me just about every single time I speak to them. I literally do n't know what else to do. They have ruined my credit so I ca n't get another loan to pay them off with, I ca n't get another credit card for the same reason, and I just do not know what my other options are! I 've told them several times that I can pay the lower monthly payment, which would be {$100.00} or less per month, which by the way is STILL {$20.00} MORE than I am paying the government for XXXX other federal loans that I am paying on! They still will not accept my {$100.00} per month! They refuse, saying they can not help me! That is obvious that they ca n't help me! They can obviously only help THEMSELVES to MY paycheck!

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: I deposited {$240.00} through the atm to transfer to another account with Wells Fargo. I was showing a positive balance and made the transfer. The next day, I looked and saw that my account was negative because of pending transactions ... I immediately made a {$40.00} deposit. 
Later on the same day, they charge me {$35.00} for the transfer that was made. This is a lie because the bank does not allow you to transfer funds if the funds are not available. This is how they post it : XXXX/XXXX/16 OVERDRAFT FEE FOR A TRANSACTION POSTED ON XXXX {$220.00} ONLINE TRANSFER TO XXXX CHECKING XXXX {$35.00} XXXX/XXXX/16 ONLINE TRANSFER TO XXXX CHECKING XXXX REF # XXXX ON XXXX/XXXX/16 {$220.00} This is a lie. It is impossible to transfer funds you do n't have to another account. Since they post it incorrectly, the fee is not valid and I should not be charge this {$35.00}. They have an obligation to be accurate and it is not okay for the banks to get away with charging fees on excuses.

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 05-01-2016 about Debt collection (Medical) with Grant & Weber (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have repeatedly asked them not to call me at my parents house and they have continued to call me there. Two weeks ago my sister gave me a message that they called and wanted me to call them back. When I called I made it very clear that I have previously requested twice to have that number removed from their system and that it was not a good number to reach me at and that it causes me a lot of problems and my parents do n't need to be bothered by my personal business. I was assured that they would delete the number and that it would n't happen again. The following week at XXXX in the morning they called again. I told them I was going to file a complaint against them. They said that I still owe the bill.

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 06/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I received an email stating the investigation is complete ; however, when signing into the site I am prompted with the message : Error : XXXX-Your access to the TransUnion Online Investigation Service has expired. If you believe that information contained in your TransUnion Personal Credit Report is inaccurate and would like to request investigation or change of information, please visit www.transunion.com to learn how to submit your request by mail or by phone.

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 04-04-2016 about Bank account or service (Savings account) with PENTAGON FEDERAL CREDIT UNION (WA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, XXXX, I contacted PENFED Credit Union at XXXX, and talked to a customer service representative regarding the amount of {$490.00} which was paid twice to my personal loan. I informed the customer rep that I can not afford to pay the loan twice since am paying for mortgage and other loans. That, am currently retired and am in a fixed income. The customer representative informed me that the amount of {$490.00} will be reversed back to my XXXX XXXX XXXX XXXX in 48 hours. On XXXX XXXX, XXXX, I again contacted the PENFED Credit Union and talked to XXXX, Customer Service Representative, and she informed me that the money can not be reversed back to my XXXX XXXX XXXX XXXX, as they will either wired it charging me {$20.00} or mailed me back the check in the amount of {$490.00}. She ask for my pin number which I completely forgot since I have n't used PENFED in XXXX. She did n't provide informed me as to mailing a new pin number. I did n't received good customer service from her. Again, I contacted PENFED Credit Union and talked to XXXX, Supervisor. I told him about the situation, and he said that the money can not be reversed back to my XXXX XXXX XXXX XXXX. I told him that the information provided by the customer service representative on XXXX XXXX, was misleading. XXXX then asked me XXXX questions, and I said none of the above, which locked me out of the system. I ask him what was the reason why he ask me the questions, and he said that is public information. Then, he said that in order for my money to be wired, I need the pin number and if to mail out it will take 7 to 14 days. He then told me that I would have to wait another 24 hours before the system is activated again. Then, another XXXX questions will be ask. I told him that is not fair and that the information provided in XXXX XXXX, was misleading. That, I will never use PENFED Federal Credit Union again after my personal is fully paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Auto debt) with FC HoldCo LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Civil case hearing on XXXX XXXX, XXXX in XXXX XXXX court resulted in the case dismissal. 
The case was dismissed in Civil Court by the judge due to fraud. There is no responsibility/liability for the auto loan in the amount of {$25000.00}. 
Also, an answer & affirmative letter written by myself was submitted to the court and sent on XXXX XXXX, XXXX to the attorney which represented XXXX XXXX XXXX demanding that the loan is removed from the XXXX credit report. The letter included detail information which was presented to the court at the time of the hearing. 
This fraudulent auto loan was also disputed 3 times directly with XXXX to no avail. 
Prior to the civil hearing the same complaint was also submitted to the consumer protection bureua ( XXXX ) for investigation on XXXX XXXX, XXXX. 

Reporting information that XXXX XXXX XXXX knows to be inaccurate violates the Fair Credit Reporting Act. Reporting invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State laws.

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 07/30/2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Account Details Last Reported XX/XX/XXXX Collection Agency PRO COLLECT Original Creditor XXXX XXXX AT XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2800.00} High Balance {$2800.00} Remarks Account information disputed by consumer Creditor Contact Details PRO COLLECT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company made numerous phone calls to both my work and cell numbers on a daily basis. When voicemails were left by the company, they never specified what the debt was in relation to. In addition, in their voicemails, the first part of the company was inaudible ( as if deliberately done to conceal the full company name ) ; I could only make out " Portfolio '' so I had to do some research on the phone number showing up on my caller ID ( XXXX ). Upon doing a reverse phone number search of XXXX, I was only then able to ascertain the name of the caller as : " Cavalry Portfolio Services. ''

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I have a Capital One card that is reporting to my credit as an " Authorized Account ''.

I have no knowledge of this card, i have called the company several times including today and they said they could not help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-02-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (GA).
Issue: Money was not available when promised

Complaint: I sold ( in trading ) my litecoin. XXXX is the transaction number. It shows as " completed '' " done '' and yet the money does not show up for more trading in My USD account or anywhere for that matter. Therefore I have not been able to buy or sell anymore with those funds. It was not a large amount because I was being careful and not to trust right off the bat and I 'm glad so far I have n't. I understand " slow '' but it is stated that these trades are instantaneously done. If they are gon na steal peoples money,, I want to be one to speak out to same others from this.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been paying {$280.00} every month but the interest rate is way too high. I asked Naivent to low it but they refused. My student loan was about {$23000.00} and I have been making payment since 2013. Today my balance is ~ {$16000.00} that means they have been charging high interest because I have made more than 49 payments that 's more than {$14000.00}. My balance should at lease {$10000.00}. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Mortgage (FHA mortgage) with loanDepot.com, LLC (FL).
Issue: Closing on a mortgage

Complaint: During the purchase of our first home, we went with XXXXLoan Depot because they were a preferred lender for our builder. As first time home buyers we put our trust in many people including XXXX to explain the process fully and completely. However, throughout the entirety of getting this mortgage there were many failures, including lack of communication, lack of explanation or even correct explanation. There were many times we had to seek an explanation from another lender and XXXX  ended up being wrong. However, none of that compares to the final straw that is a bona fide violation of CFPB and TILA regulations. 

We received our final CD on XX/XX/XXXXwhich triggered our 3 day wait to close. There was already a glaring error in the amount of our earnest deposit. We were basically told " it 'll be fine. '' The night before we were scheduled to close, as our title company and lender were busy balancing the monies, my title company discovered that our CD had a doc stamp fee of {$1800.00} on the seller 's side when it was supposed to be on the buyer side.

I found out from my realtor and then my lender called. He explained the error and then proceeded to ask me if we had the funds to cover that amount. An amount that was not disclosed to us as our responsibility on the CD.  Our loan officer tried to pass blame to the title company and said that XXXX would not cover the whole amount. 

On the morning of closing, this issue was still not resolved. Allegedly, the response from XXXX XXXX corporate office was that they would not do a cure credit. At all. Our closing was 6 hours long because my lender and title company spent half of a day arguing over whose fault this was. XXXX then proceeded to " fix '' this issue by sending a new CD wherein they reduced our seller credit by the amount of the error. Thereby covering up their failure to disclose. XXXX refused to rectify their error and my realtor and title company tried all day to get XXXX to realize the CD was wrong and we, the buyer, was not going to pay for this incredibly significant error. XXXX and its representatives were absolutely unprofessional and pretended to make everything ok with a lender credit of {$770.00}. Everything was far from OK. 

In order to close on our house, we did end up having to pay the {$1800.00} and were told we had to sign the CD the lender created that day that improperly tried to cover up their error. Which we did so in protest in order to get the keys to our home. 

XXXX/Loan Depot needs to be held accountable for violating the laws put in place to protect consumers like us. This is simply not ok.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Problems caused by my funds being low

Complaint: Bank of America charged an overdraft fee when none occurred. That caused the Bank Account to go negative. Then they accepted checkcard transactions when the balance could not cover them. I did not opt in to that and it is against consumer protection laws. Bank of America continues to take advantage of consumers.

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 07/27/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My home was damaged by hurricane XXXX. Wells Fargo is my mortgage company. I recently received a supplemental insurance check for {$130000.00} and Wells Fargo refuses to endorse it. My home has been repaired completely. Wells Fargo inspected the home over a year and a half ago and declared it was 100 % repaired. I have been given conflicting information by the company and do not know how to proceed. 
I have always paid my mortgage on time. 
I believe they have my account flagged as retribution for my previous complaint to the CFPB for their prior mismanagement of insurance proceeds. 
I repaired my home in good faith, invested my own money to preserve its value, and even paid my mortgage down {$50000.00} since the storm. I submitted to multiple inspections by Wells Fargo and always comply with whatever they ask.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation