milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2017 about Mortgage (Conventional fixed mortgage) with MOVEMENT MORTGAGE LLC (TN).
Issue: Settlement process and costs

Complaint: On our initial meeting with Movement Mortgage on XX/XX/2016, they presented their closing cost estimate and our interest rate of 3.75 %. They noted that because my wife is employed by XXXX that we would receive a {$2000.00} credit towards closing. They wrote this on our paperwork they gave us which is clearly visible on the attachment, and XXXX also shows this credit on their employee discount webpage which we have enclosed as well. Fast forward 1 month and we find out our expected closing date of XX/XX/2016 has been pushed back to XX/XX/2016. We decide to let our rate lock expire and we will relock 60 days out around XX/XX/2016. On XX/XX/2016 we relock in at 3.75 % for 60 days which will give us a few days of cushion beyond XX/XX/2016 closing date in case anything happens and we dont close on time. On XX/XX/2016 when we are supposed to get our closing disclosure to meet the 3 day obligation, we hear from Movement that our rate and our product are no longer available. They claim because the Fed increased the rates that our interest rate had increased as well and there was nothing else they could do. They said this occurred sometime in XX/XX/XXXX but could not give specifics. They then said our new rate was 4.375 %. After some back and forth with the local loan officer, her boss, and his boss ( the top local boss ), we are put in touch with the corporate office where we present our attached timeline and letter. Within a couple of hours, the corporate boss calls us back and says they will honor our 3.75 % rate. We go to close on the XX/XX/2016 but we do not see our original {$2000.00} closing credit. 2 weeks later after moving and settling in, we email and call the local big boss about the credit. He does not respond to the email and is rude to my wife saying they had already done enough on getting us a great deal that we were not entitled to since our product did not exist anymore. It is our belief that the loan officer was negligent in locking in our rate at 3.75 % on XX/XX/2016 despite our repeated attempts for confirmation and her each time saying it was locked. We believe she, along with her boss and his boss all conspired to cover up this mistake by saying our product no longer existed and that we were stuck with the new higher rate, take it or leave it. We believe they fully agreed to our closing cost estimate and that it is not our fault they made a mistake and are trying to minimize their losses by eliminating the closing credit.

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 03/23/2017 about Credit reporting () with On-Site Manager, Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On-Site.com denied me from renting an apartment with XXXX . After reviewing their report the account for XXXX is inaccurate and I 've disputed this account with them to no avail. The account is n't showing on my credit report only my rental report. This is a fradulent account and needs to be removed. I request full validation of this alleged debt, as allowed by the Fair Debt Collection Practices Act. This company denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Managing the loan or lease

Complaint: XXXX XXXX -- -- XXXX XXXX XXXX XXXXI AM PAYMENT FOR XXXX XXXX AS PROVE AS SANTANDER CONSUMER USA/AUTO LOAN LAST XX/XX/XXXX SINCE XX/XX/XXXXOR XXXX AS COPY XXXX XXXX PLEASE SEND ME MY ADDRESS IS XXXX NC XXXX CUZ I WILL BE SUIT MY EX HUSBAND ..SO I ALREADY DIVORCE NEVER PAY AS HALF SO I WILL PAY FOR {$52.00} MONTHLY ANYWAY LET U KNOW THAT ALL SMILE .. LET ME KNOW CALL ME XXXX AS QUICKLY THANK U XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit card () with SYNCHRONY FINANCIAL (WA).
Issue: Unsolicited issuance of credit card

Complaint: I went to a XXXX on XXXX XXXX, 2016 to look at mattresses and the sales person took my social security number, saying that she only needs it to provide me a quote for the mattress i like. However, a month later, I receive notice that a XXXX credit card was opened under my name for {$3000.00} credit limit without my knowing. I talked to the manager there in XXXX and he gave me the SYnchrony Bank phone number to call, saying " it 's happened multiple times before and just call this number, explain to them and you 'll be fine. '' I was on the phone with Synchrony Bank for one hour and finally decided to close the account, thus dropping my credit score by XXXX points.

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 06-07-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: In XXXX my ex-husband and I purchased a town-home, in XXXX we divorced and I was awarded the home in our divorce settlement. The original loan processor was Aurora which was bought out by Nationstar in XXXX. I acquired a loan modification in XXXX on the property which my ex husband did not sign and I was told that he would be removed from the loan MANY times by Aurora and Nationstar. He is no longer on the deed but he is still on title/note. I asked Nationstar if my loan was assumable ( trying to remove my ex-husbands name since they did not do what they said ) but they said no which is not true due to the Garn-St German Depository Institutions Act of 1982, this act allows non-assumable loans to become assumable in certain situations such as divorce. I can not afford to refinance and Nationstar is not working with me on my assumption request.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Navies tried to collect on payment while u was attending school. Once they got proof of me being in school they moved forward with a deferment, however they did n't retro the deferment leaving late payments on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Mortgage (Conventional fixed mortgage) with Statebridge Company (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Recently, in XX/XX/XXXX, our home mortgage was discounted ( sold ) to Statebridge, LLC. Statebridge failed to pay our property taxes from the escrow account in XX/XX/XXXX, costing us {$1.00} in taxes. As a matter of fact, Statebridge waited until XX/XX/XXXX to pay the property taxes which are due each XXXX. 
Our accountant has advised us that this company has really made a huge mistake and should be held responsible. 
Statebridge is the worst finance company we have ever dealt with. They are tacking on miscellaneous charges to our mortgage payments that their representatives ca n't even explain! 
We want Statebridge to reimburse us for the {$1400.00} that they cost us by paying our property taxes too late.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Other debt) with Clifton Mortgage Services, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I was threatened that they would take service away from me.They claimed they sent certified letter that they can not prove..The letter I got was dated 1 month prier to postmark and they hired a lawyer the next day. I denied the validity of the debt in writing. Then I took legal action and was forced into a Bankruptcy..Now they have sent a letter to ever owner in this is condo unit and I am getting hat mail and threats daily.I have a clean record not even a traffic ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: On XXXX XXXX XXXX, I sent XXXX Bitcoins from my XXXX wallet to my XXXX wallet, with the intention of exchanging it for XXXX. The transaction showed as pending on my XXXX wallet more than a week. On their website, it was mentioned that even with high traffic o the network, the transaction should n't take more than XXXX hour. What 's worse, after awhile, the whole transaction disappeared from my XXXX wallet! It 's as if it had never happened! However, after checking the transaction hash with XXXX XXXX, it showed that the transaction had went through. 
I contacted support while my transaction was pending on XXXX XXXX XXXX. After not having gotten any replies from them, I tried several other avenues such as XXXX forum, emailing a direct person, opening support tickets on their website, all to no avail. 
More than a month later, I got a reply from support, from a person named XXXX XXXX After a few messages, XXXX conceded that he needed to work with a 'specialist ' to resolve my issue. That was XXXX XXXX XXXX. I have since contacted XXXX but there has been no response. 
I have researched their company online after this incident and it appears that I am not the only one. It appears to me as if they have taken that money for their own. A cryptocurrency exchange should n't take so long and they should return the money back to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I went through the CFPB because I saw two collections I knew were not mine from XXXX XXXX XXXX. The response is attached ; XXXX XXXX XXXX does not have these. Yet nothing has been deleted.

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 10-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX, our family " bundled '' our XXXX wireless and internet accounts. In XXXX 2016, XXXX internet send us notice our service was canceled due to an unpaid amount. This amount included the XXXX wireless service, which had been paid in store. XXXX internet sent us notice we still owed over {$500.00} for the internet, even while our bill never was more than {$50.00} monthly ( we were also not 30 days late ) for the service. XXXX internet then sent us notice of their collection for the entire amount, even though they admit they could not verify their claim. 
XXXX internets improper, ilegal collection activity has complicated and limited our ability to obtain a home mortage.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I opened a Smart Advantage checking account with BMO Harris on XX/XX/XXXX. The account advertised a {$200.00} Bonus if I had 2 Direct Deposits, each $ 300+, post within 90 days of account opening. I made these direct deposits, as well as returned my signature card, and complied with all other requirements of the checking account. There were no monthly fees and no minimum balances associated with the account. On XX/XX/XXXX, I inquired via eChat about the status of my bonus. I was informed that my account was closed on XX/XX/XXXX, without consent from me or even any communication from BMO Harris on its intentions to close the account. I asked to reopen the account and receive my bonus. Both requests were denied. I have attached a PDF picture of my account status, a quicken format of all account transactions, and a script of the eChat between BMO Harris and myself concerning the account status.

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 03/21/2017 about Mortgage (Home equity loan or line of credit) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I took out 2nd mortgage on home since the home was a foreclosed home for repairs for property the house was used as collateral. The foreclosure took place XX/XX/XXXX, I attempted rent and sell property but the property was foreclosed with first lien holder XXXX. However, prior to foreclosure both mortgage companies were communicating and the last I heard Navy Federal Credit union was offer a settlement. The house was foreclosed and I did n't hear. Over 5 years had past and I attempted apply for a mortgage loan in XX/XX/XXXX. I was told in XX/XX/XXXX Navy federal Credit union reported a current Past due balance of a loan of {$28000.00} on credit report. I called a few times and left voicemail messages asking for a call back. I finally went in-person to corporate office on XX/XX/XXXX XXXX, VA. I ask to speak with a manager in the mortgage Dept. I was told I could n't speak without a appointment. I refused to leave and finally a representative got someone in mortgage on the phone they stated they were in charge credit reporting I told them the property was foreclosed and they were reporting a current Past due balance for mortgage that I no longer have property. They stated, no way they were reporting that information. I left my foreclosed documents as proof the property was foreclosed. I was told to fax over credit report that shows the inaccurate reporting information. I asked if a manager could call me once complete. 2 weeks passed and I did n't receive a phone call, I called finally got a hold XXXX XXXX in charge of collections he ask if I would like pay the account I informed him the property was foreclosed in XX/XX/XXXX what happen I was told they did n't accept the offer. Hey was very rude, I told him I was a XXXX XXXX Veteran and to check all Credit I held in the past. I have paid off all accounts I credit cards, car loans, business loans with Navy federal and this account was foreclosed property where property was used as collateral I was told that does n't matter. On XX/XX/XXXX I heard from representative that stated she was XXXX XXXX a manager and she was responding to a complaint from the Better Business Bureau and she stated the behavior of the Collection account manager will be address and I will receive a letter in few days and the situation will be take care of she fully apologize again. After not receiving any correspondence or calls I reached out her today XX/XX/XXXX and finally spoke with her today and she seem sort of confused about sending a letter and what the letter was to address. She stated, she would have transfer me back the collection manager and stated they did nothing wrong. I am confused and meantime my credit is suffering for something that happened in my past. Does n't the credit history with Navy federal make a difference? Does n't being a Navy Federal Veteran make difference?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Whom it  May Co ncern :   XXXX    XXXX .  XXXX   XXXX   XXXX , TX  XXXX  Equifax  XXXX .   XXXX   XXXX   XXXX   XXXX , GA  XXXX    XXXX   XXXX   XXXX   XXXX .  XX/XX/XXXX   XXXX   XXXX , PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Credit Union Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX   XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Debt collection (Payday loan) with 2288984 Ontario Inc. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: To start with, the original creditor was never up front and was very confusing about their fees they were charging me. I would pay a fee and towards the balance but then they would just keep rolling it over every month. I was n't making progress and got under water. After a few months ( and had actually paid off the balance but for the fees it still was n't paid off ) which surprised me. The amount in collection does n't even represent the proper amount of payments that were made. 

They ended up sending me to an outside collection agency but never told me that they were. I never received any Debt Validation letters, nothing showing who actually owned what until it showed up on my credit report under XXXX XXXX. 

The problem with this, is XXXX, along with several other debt buyers have been calling me relentlessly for at least 8 months if not longer. They say that I am going to jail if I do not pay my debt, that someone is coming to my house! They say someone is going to the local court house, etc., it never ends. Sometimes it is a live person, sometimes it is a robocall. 

Their harassment does n't end with me. Some how they managed to find the phone numbers to my mother, both of her sisters ( my aunts ), my brother and my father. They then continued to harass them about me, yelling at them telling them I would be arrested if I did not pay my debt gave random names/case numbers. 

That is a violation of the Consumer Protection laws. No collection agency is allowed to give out personal information to a third party, or harass anyone. 
I am a XXXX individual and this has caused an excessive amount of stress and financial strain.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In my credit report, under the section '' Employment Data Reported '' indicated i had worked for XXXX '' and " XXXX '', but i never worked for these XXXX companies, and i am afraid someone else use my identities to work for them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My student loans are reporting as late but were never late due to a retro active forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: on my couple of cards, there were transactions which were not approved by me. i tried to dispute with a credit card companies but they were not listing to me

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was discharged, in court they are just harrassing me over it. They kept my money as a security deposit, for the balance. There attorney met me in court, and the issue was closed by the judge in XXXX, XXXX, CO. This should not be on my credit report. They are harrassing me, because I 'm a XXXX member, and XXXX. 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 12-03-2017 about Debt collection (Credit card debt) with Direct Recovery Services, LLC (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received an email from Direct Recovery Services indicating that it was a final notice to collect a debt for XXXX for {$480.00}. I do not have and have not had an account with XXXX and have never been contacted by this or any other company in regards to this debt in the past. Since I do not know who they are, I do not want to call them or open any attachments from their email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo has rearranged transactions in order to charge me overdraft fees. They have also posted transactions in time only when it 'll cause me to overdraft. When I do deposit money when I 've noticed I 'm negative, all of a sudden the next day that transaction that caused me to overdraft is magically gone ... They expect me to forget all the trouble I went through to avoid an overdraft and think nothing of having a surplus in my amount available? They just want me to think I have more money than I actually do so they can get a fee from me. No, this is not right and I knew it was n't right ever since I opened my account. Who knows how many times they have done this to me without me noticing?? Scam artists. I only realized what was happening after this time that I noticed something was wrong. All it took was a search with my question about them scamming people for me to realize I need to switch banks immediately! No one should do business with them. I have learned my lesson and will research my future bank much more thoroughly.

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