milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2016 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX I had my property appraised. My certified appraisal revealed that due to the improvements I had made to my property that the value has increase substantially. I contacted my lender on XX/XX/XXXX to inquire about how to request the removal of my Private Mortgage Insurance premiums. I informed the lender about the recent appraisal. I was told to fax or mail a written request along with a copy of the appraisal to their escrow department. I complied and sent a formal written request for the cancellation of my PMI via fax on XX/XX/XXXX. I was told I would have a reply in 5 business days. After this time, on XX/XX/XXXX I called back to verify that my information was being processed. I was told that my information was never processed because I did n't have my mortgage number on the fax cover sheet. So on XX/XX/XXXX I resubmitted my written request via fax ( confirming the fax number ) and adding my mortgage number to the cover sheet and ensured that there was nothing else that I needed to add for the request. I also mailed a separate copy of my written request and copy of the appraisal to the address provided. On XX/XX/XXXX I called again to find out the status of my request. Once again I was told that my request had not been received or processed. The customer service representative then told me that it did n't matter anyway because I would not be allowed to cancel my PMI until XX/XX/XXXX regardless of my LTV or a subsequent appraisal if the appraisal was n't provided through my lender, despite the fact that I had a certified appraisal report. I was told XXXX separate things from XXXX different employees. My request was never acknowledged as received or reviewed. No notification was provided to me to indicate that more information needed to be obtained or that a lender requested appraisal was required.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: Shell Point Mortgage place a lender insurance on me increased my payment by {$600.00} all because they failed to payment my insurance payment on time. I have a conventional loan that includes mortgage, taxes and insurance. I have been overpaying since 2014 and they refuse to help me lower my payment. All I get is the run around.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My bank balance on the XXXX app is n't always fresh or up to date. My bank has n't been sending over my info.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (IN).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: On XX/XX/XXXXI called in and complained because Huntington Bank charged me {$37.00} which is a Returned NSF item fee because of not enough funds in my account to cover {$44.00} water bill. However they had subtracted that amount out of my account already so it appeared to be paid but the next day I looked into my account and they had returned it and charged me a fee. I spoke with XXXX who was extremely arrogant and rude. I explained to her one of the reasons I chose to bank with them was their 24 hour grace window and on this transaction that window of 24 hours was not given to me. She stated that it was their option not to extend the 24 hour grace to whom they wanted and it was n't a guaranty. I explained that was n't in the promotion that they advertise so in essence they were running a bait and switch advertisement whereby you have consumers open up their accounts thinking they have a benefit of a 24 hour grace period when really they do n't. I advised her that it appeared to me she was getting agitated because I was voicing my opinion which was my option and she stated that the system do n't no the race of a person when it rejects items for insufficient funds it is done internally based on your account. I stated that I know that because a lot of the complaints against there banks when it comes to this particular issue is with their XXXX American account holders and she stated if so then we need to keep funds in our accounts and we would n't have that problem. I was livid and shocked and I advised her I would file a complaint against Huntington Bank. I am considering a class action lawsuit if I do n't receive an apology and my funds put back in my account and afterwards I will find another banking institution for my direct deposits. When I thought it could n't get any worse on XX/XX/XXXX I was charged two insufficient fees of {$37.00} and 2 of my check items were returned again with no 24 hour grace notice once again although my direct deposit was deposited in a second account that came in the same day. I honestly believe this was done in retaliation for my earlier call onXX/XX/XXXX with XXXX as well as Huntington Bank discriminatory practices against XXXX Americans. I spoke with XXXX today and she was n't helpful at all so I had no other choice but to file this complaint and if this complaint does n't suffice then I will file a class action law suit to shed light on their banking practices as it relates to people of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/26/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a re-finance through the HARP program with my current mortgage company, Well 's Fargo. I have been with this company for years and have never been late on my mortgage payments except during XXXX XXXX. When I applied, I was told that I qualified for the HARP program. I then received a letter from Wells Fargo telling me that my loan application was approved. Afterwards, I received a phone call from a Title Search Company that apparently does research for Wells Fargo who told me that my loan was not going to be approved because my second mortgage was with a company that Wells Fargo does not approve of. Initially, I was told that XXXX was an approved lender for my XXXX mortgage. The bottom line is that I am being denied to loan at a better interest rate ( 3.25 % ) which would save me {$100.00} each month and shave off XXXX year of my current mortgage. I am being denied this opportunity not because of my credit, but because they do not approve of the company that holds the XXXX mortgage lean on my property. The XXXX loan originated with XXXX XXXX XXXX, was sold to XXXX, and then XXXX was purchased by XXXX. I had no control over the selling and buying of my XXXX mortgage. How can I be disqualified from taking advantage of the HARP program due to this? Is this actually a valid excuse for my mortgage company to deny me the chance to save money? Is this a loop hole that they use to keep honest, hard working bill paying citizens at a higher mortgage rate?

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 10/27/2015 about Mortgage (Conventional fixed mortgage) with SYNCHRONY FINANCIAL (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We Re-Financed our Mortgage with a Credit Union, with Cash Back to Payoff Creditors. Our Credit Union used a Title Company to perform Creditor Payoffs. All but one Creditor received Payments. This Title Company has documentation they have sent two Payments, first to the regular Payment P.O. Box on Billing Statements. After 19 Days, Title Company said it was never cashed and Voided it. A second Payment was sent Overnight XXXX to a Payment Center at different street Address, Delivery received in person, yet after 8 Days has not been cashed or Posted to our Account. Our efforts to solve this are ignored by Collections & Customer Service. Our Credit Union & their Title Company are willing to again Void the Second Payment Check and issue a Third, but recommend a Manager Name, Telephone with Street Address for XXXX Tracking Delivery Verification, which the Creditor will not provide. Should we send the Third Payment to the same P.O. Box without ability to Track or document what happened to these Payments?

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have private loans with Navient, they use to be with XXXX. I was denied any kind of Assistance with payment. I was only allowed to go on the graduated payment scale which is extended. that was the only way that I could get my payment down to something I could attempt to afford at the time. I did n't have a " real '' job and I did n't have any more forbearance time. I eventually reconsolidated my loans after my first wave of loans and once I was into repayment and I was done with Private loans, I asked to have my loans put into my consolidation. I later found out that it restarted my clock.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MN).
Issue: Credit decision / Underwriting

Complaint: I had a mortgage with CitiMortgage. I had a mortgage amendment filed in 2011 for relief of payment. The Amendment was written incorrectly and I suffered from financial hardship with extra interest payments that were not correct. They were higher than promised. XXXX bought this mortgage and continued to harass me until I went to the Minnesota Attorney General. and they helped me find relief with XXXX who is now identified as XXXX operating in Minnesota.

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 06/15/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: How many times do I have to tell the special people at Equifax that I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX, that IS A LAWYERS OFFICE AND NOT RESEDENTIAL. That proves right there that XXXX XXXX XXXX account is not mine. Also, I was told on XXXX XXXX that nothing was ever reported to you, more holes are opening in your story then there are holes in city streets. I also want to know why XXXX XXXX XXXX told me the account was closed in XX/XX/XXXX and you said XX/XX/XXXX, how are you people allowed to even be in this business? Next, as of XXXX XXXX, XXXX XXXX has told me they never communicated with you, funny how they will verify information to you and not me. Next, XXXX XXXX XXXX should have never and should never be reported as it is not mine and was discharged in settlement. Lastly, XXXX XXXX XXXX has informed me that they have requested their information be removed from my report due to a pending lawsuit against their client that they did not want to be involved with so why is Equifax keeping them up there. I want to repeat this one point again, I HAVE NEVER LIVED AT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX, THAT IS A LAWYERS OFFICE AND NOT ZONED RESIDENTIAL!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I was going over a copy of my report and seen it contained address and accounts that I do not recognize. I am requesting that you promptly update and delete addresses that I never resided and may possibly be family members address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 6 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 

My name is : XXXX XXXX. XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX XXXX. XXXX OH My current phone number is : ( XXXX ) XXXX All these number are not mind please remove from your database XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX RESIDED HERE FOR 6 YEARS ( XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is a account from XXXX XXXX # XXXX I do not recognize this account I do my business with XXXX this acount is a error please delete.

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 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Avant Credit Corporation (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: This is the second time I am complaining about a company who has victimized me and made false statements to the Credit bureau that I have 30,60,90,120 days late on payments when I have not been late but once last year due to a medical hardship which was only one month which I made an additional payment of. The company, Avant , Inc, has abused my civil rights by constantly causing a drop in my credit score which I have worked very hard on for the past 7 months so I can buy a home. In XX/XX/XXXX I took a loan of {$1300.00} from them and continued making {$59.00} payments and they continue changing their policies and now say I owe them {$1000.00}. This has been going on for 2 years of payments and abuse from them. I am contacting the Attorney General in my state as well as a Senior Legal Firm next week. On XX/XX/XXXX I called them to make a payment and was told my account was in collections because I did not pay XX/XX/XXXX and XX/XX/XXXX payments on the XXXX of the month. My payments were made on the XXXX of the month from XX/XX/XXXX arrangements with Avant, but was refused the payments as legit and told early payments do not count. This is the kind of games they have played since the beginning of the online contract. Every time I call them, a foreigner with a XXXX accent tells me a new thing about the account and keeps me so confused I do n't know what they are doing other than victimizing me and scamming me for more money, and as far as I know they are not a payday loan company and do not advertise as one. I need help to solve this outrageous scam.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Describe what happened so we can understand the issue ... 
I am a victim of fraud, I lost my wallet some years ago. I called all XXXX credit bureau and they placed a fraud alert on my credit report. I pulled up my credit report for Equifax to find that I have XXXX inquiries on my report. I called and spoke with XXXX who stated she could not help me so I asked to speak with her supervisor. I spoke with supervisor XXXX Badge # XXXX I explained to her that these inquires are not mine and I need her to open a investigation so that I can dispute the inquiries. The banks are on my credit report XXXX times in some cases you know that is fraud. XXXX ( her name ) representative XXXX told me to get over it and wait until they fall off. I told her that I was going to report her to Consumer Financial Protection Bureau and also sue Equifax because this report is hindering me from getting a home. I also provided her with the police report number that I filed. XXXX would not hang up her phone on the other end I can not dial out on my phone she refuses to hang up her line this is harassment. 
XXXX PLEASE REMOVE ALL INQUIRES THAT DO N'T BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed my credit report online and have n't heard from the company at all. After checking my credit report on XXXX XXXX I realized that the credit bureau did not take the required actions to delete the requested accounts. The XXXX credit bureas has taking out the requested information from my credit report, but Equifax is refusing to do it by not working my credit report and getting back in touch with me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I have had two CitiCard accounts since XX/XX/XXXX (Simplicity, Diamond Preferred) and one since XX/XX/XXXX (ThankYou Rewards).  It was brought to my attention this morning, only after logging in to my accounts, that I have XXXX credit available for purchases and XXXX credit limit listed on the accounts. I was not contacted by CitiCards regarding any changes to my accounts. I have paid CitiCards each and every month since opening these accounts, sometimes twice per month,  and have never been late with a payment. I was advised by CitiCards Client Services to reach out via fax for more information on this discrepancy.  I asked them to please contact me as soon as possible to discuss as this has caused a major disruption, or please provide a contact name and phone number to the person at The Office Of The President so I may reach out to discuss.I haven't received a response and customer service will not speak with me about the accounts.

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 01-06-2018 about Payday loan, title loan, or personal loan (Payday loan) with SOUTHERN MANAGEMENT CORP. (TN).
Issue: Struggling to pay your loan

Complaint: XXXX XXXX in XXXX tn. XXXX XXXX XXXX. XXXX and XXXX both have been told by my husband to stop calling him regarding my loan and they both called him today XXXX XXXX 2018. He is going to file harassment on them and the company

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: Dear Sir or Madam : I am writting to you because on XXXX XXXX, 2015, I did received a letter from Portafolio Recovery Associates LLC., Sender is : XXXX XXXX XXXX XXXX XXXX , XXXX, XXXXIn this letter he or they is/are claiming that I have a debt and they do not disclose the name of the person or company making the claim. 
I certainly can submit proof that I never have incur in any debt, nor done or signed for any kind of loans or credit cards or buy something or used a service to pay later, since all my life I have used cash to pay for any product or service I wanted. 
I am a retired senior and I do not acknowledge any kind of debt. 
Please, I will greatly appreciate it if you please get in contact with me via letter or phone and let me know of how to respond to this kind of scam, because this is a fraudulent debt collector. This person or company is requesting that I contact them, but I have not done so, since I am afraid what tactics he or they may use in order to implicate me in their nasty claims. 
For your attention and prompt replay to this matter, many thanks in advance. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Good evening, I pulled my report on XXXX XXXX saw a collection from Convergant Outsourcing For a suppose debt of {$1100.00}, I send them a letter to ask for validation of debt with signature to see if there was a signature belonging to me never heard from them nor it was marked disputed in my credit, then in XXXX XXXX, send them a certified mail witch I have signature prove that they receive it on XXXX XXXX sign by a XXXX XXXX they have never sent me any validation of debt, it was marked disputed on credit, then today I happen to get a notification from my credit that something updated and sure enough was the same company marking that suppose debt as unpaid, why they going mark it as unpaid when there is an investigation going on, and 30 days has n't pass for them to mark it from disputed to unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I recently submitted an application to Navient to release my mother as the cosigner to XXXX of my student loans with the company. I took out this particular loan during the summer of XXXX with an interest rate of 3.5 %. According to Navient if I make on time consecutive payments for at least one year at the interest rate I agreed to when I took out the loan I could apply to have my cosigner released. I have been doing just that for more than 12 months now and I just received a rejection letter from Navient because after pulling my credit report they have determined that I have big debt items on it. The only major debt that I have on my credit report are student loans from Navient/XXXX. I have been making consecutive on time payments with XXXX/Navient since XXXX, so I dont see why I cant have my mother taken off as cosigner to my XXXX loan. I especially think that this is unjust because I have followed their guidelines to the letter and after meeting all of the requirements they have chosen to reject my application.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Debt collection (Medical) with SYNCHRONY FINANCIAL (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i have held health insurance for over seven years. I found this account on my credit reports but have never had any correspondence from them regarding this account. My personal details where compromised in 2012. Please verify the address on this account because there has been attempts to open accounts from an address that is unknown to me in my credit files.

Company response to consumer: Closed with non-monetary relief