milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/21/2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (VA).
Issue: Application, originator, mortgage broker

Complaint: I was contacted by a representative from my current lender. The representative offered a XXXX point reduction in APR refinance loan for a {$10.00} administrative fee. The representative advised that because I had refinanced less than a year ago, the home assessment would not be needed. After a month, I was contacted by the representative and advised that I would need to obtain a new home value assessment. Once the assessment was complete, the home inspection documents that were sent separately to me and confirmed that the value had not changed. I was later contacted by the lender who advised that I did not qualify for the no cost refinance because my home value had dropped by XXXX. The terms then jumped to over XXXX for the same refinance. After showing proof that my home value had not changed, the loan rep advised that loan depot had made an error and there was nothing he could do. After multiple communications, the rep stated that he did not understand what had happened however, I would qualify for XXXX options that would both cost over XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: For over two months, we have gone to the website, XXXX, to try to pay off my son 's Perkins Loan. First 2 times I called and was given various info but wouldnt ' let me pay the loan payment because it 's my son 's account - I 'm his mom and I 'm on the loan papers ( which is ridiculous since I am giving them money, not trying to take it out! ). Secondly we can not get online because after 2 months, we still keep getting error messages ( see below ) that either tells us either the account is no longer with them ( but they do n't say where, why, what, anything ) or most of the time it still says it 's not available but try back later. So we mailed the payment in - it took 4 weeks to get credited for our payment XXXX XXXX for XXXX XXXX payment but posted XXXX XXXX ( it went to XXXX, XXXX, but the check is payable to XXXX, XXXX - we live right next to XXXX in XXXX, XXXX, but we ca n't take it there just to pay it faster, they wo n't take it ), then they submit that payment as a late payment to the credit agencies! We again have tried to call and pay or pay on the website but the hours are only XXXX-XXXX ET, Monday through Friday. During that time period we both work, and can not call them ( my son is in a XXXX, I work for the XXXX leaving the house at XXXX XXXX. and getting home anytime around XXXX XXXX. ) except the few times we tried to call at about XXXX XXXX, we were either put on hold forever or no one answers at all! When we try to pay online and it continues to indicate ( still after 2 months ) try back later? Now we have to mail it in again ( now it says a different company owns them - a XXXX company - ECSI? ) and now it will take them another 4 weeks to post and we will again get credited as a late payment! This is so frustrating! We have no answer why we ca n't pay online, and every time we call, either I get a road block or my son ( its his loan ) ca n't get someone to answer the phone. All we want to do is PAY THE LOAN OFF! and they are making it impossible and ruining credit scores at the same time!

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (I do not know) with VIRTUOSO SOURCING GROUP, LLC. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Virtuoso sourcing group called me on XX/XX/2015 and I told them the person they are looking for does not live at this number remove my number then they call again on the XXXX XXXX and I told them again to remove my number then they call on the XXXX XXXX and again today XXXX and I told them again to stop calling me and remove my number for the XXXX time

Company response to consumer: Closed
Consumer complaint received 02/24/2017 about Bank account or service (Savings account) with NAVY FEDERAL CREDIT UNION (NY).
Issue: Account opening, closing, or management

Complaint: I applied for Navy Federal Credit Union membership over the phone. As part of my application, I was read a credit report disclaimer. When I asked if this would be a hard pull or inquiry on my credit, I was told by the phone representative it would be a soft inquiry. Navy Federal performed a hard inquiry. When I received notice of the inquiry, I called Navy Federal and was told that as part of my application, I was read a disclaimer. I asked the representative to listen to the recording of my call. Upon review of the recording by back office personnel, it was determined that while I was read the disclaimer when I applied, I was also told that the inquiry would be a soft pull. Navy Federal has communicated that they will be suppressing the inquiry from my credit report and at my request, Navy Federal indicated that they will be communicating this to me in writing and that updating this with the credit bureaus can take 30 days.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XX/XX/XXXX my employer XXXX XXXX XXXX authorized a payroll deposit to my checking account with Bank of America to provide sufficient funds for automated ACH deductions that occur monthly. Unfortunately the Federal Bank Holiday that occurred on XX/XX/XXXX delayed the deposit until XX/XX/XXXX. Bank of America allowed three automated ACH transactions to occur on XX/XX/XXXX causing three overdraft charges of {$35.00} each totaling up to {$100.00} in bank fees to be deducted from my employer 's bank deposit. This caused a severe financial hardship and I inquired with the bank through their automated XXXX customer messaging system about seeking waiving of these fees as I did not have control that the ACH deposits would still occur prior to the employer deposit on a bank holiday. I was not provided relief of these charges and am seeking the assistance from the CFPB to convince the bank of waiving these overdraft fees in good nature of the issues caused by this bank holiday and allowing of charges to occur prior to my employer 's bank deposit. Thank you.

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 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I disputed 2 accounts with transunion on XX/XX/2017 and they are still showing as under investigation and were never completed. 

XXXX funding {$1000.00} XXXX XXXX XXXX {$150.00}

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 10/25/2016 about Payday loan () with Cottonwood Financial Ltd. (TX).
Issue: Can't stop charges to bank account

Complaint: I submit a stop payment request on this payday loan from my bank, XXXX. I paid the fee of {$30.00} but Cash Store was still able to withdraw my account putting it in negative. I tried to have them to stop payment via a phone conversation which they refused. My bank also will not stop payment because they have no control over automatic checks.

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 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do NOT have a signed contract nor any contract with American Express. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC affidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with this false accusation of this account. I sent them a letter requesting proof any contracts, signatures, a copy of my id anything that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Mortgage (Conventional home mortgage) with AMERICAN PORTIFOLIO MORTGAGE (FL).
Issue: Trouble during payment process

Complaint: I have a fixed rate mortgage with American Portfolio Mortgage Corporation. My fixed payment including XXXX is {$800.00}. The company is claiming they paid me too much out of my escrow reimbursement and withdrew {$1300.00} out of my checking account without my authorization. I called my bank immediately and disputed the charge and had it reversed. Then the mortgage company sends me a letter saying I owe them {$1400.00} as my next monthly payment and are trying to charge me a late fee and an NSF fee. My funds were not insufficient and the payment was on auto pay and was not late. They were not authorized to take any amount other than the {$800.00} agreed upon in my mortgage contract. I feel this is fraud and bullying and I 'm not going to tolerate it. If they want to provide proof that they overpaid my escrow and a full accounting of all my loan payments and it all checks out I 'd be willing to set up a payment plan with them to pay back their error but to take out almost double of my mortgage payment would have put me in a terrible financial position.

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CL HOLDINGS LLC (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have requested several times that this account be verified b the creditor, however, they never respond to requests. I am unable to determine if the debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Billing statement

Complaint: Every month I receive a statement from Synchrony Bank showing a balance due in the amount of XXXX on a XXXX XXXX account. I 've contacted the bank and was told there is no balance due and there is no explanation given as to why I am receiving these monthly emails. I am concerned that my credit may be negatively effected by these erroneous statement which the Bank denies is occurring. 
I would like the Bank to correct this and I would like the emails to stop. The bank has sent me a letter at my request indicating there is a zero balance on my credit care account but I am still concerned the bank can not stop the emails.

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 03/23/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problems caused by my funds being low

Complaint: I have been a customer at Chase for years in good standing. The joint account owner on my checking account is my mother, who has been with Chase since they acquired Bank One. Due to my employment status and job change, there have been times at the end of the payment cycle where money was deposited but showing " pending. '' Other times money was put in there after XXXX EST, but still before the end of day, and subsequent fees have been charges. There are many examples I can show, where even though my account was overdrawn by {$1.00} on a pending transaction, they charged a fee for items that were " pending '' and changed to " posted. '' Since XXXX 2015 I have paid approximately $ XXXX in overdraft fees. I find this excessive and ask for leniency.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Credit reporting () with Experian Information Solutions Inc. (NH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting a foreclosure starting in XX/XX/XXXX on my credit report, source XXXX bankI was denied an FHA mortgage through XXXX XXXX bank as a direct cause of this erroneous information. 
This account was completely closed back in XX/XX/XXXX and I can prove it with a copy of the dee transfer which was recorded in XX/XX/XXXX. 

FHA mortgage guidelines disqualify any applicant with a " recent foreclosure '' in the last 24 months. This account is XXXX years old ... as it was CLOSED totally and finalized with a transfer of deed, registered at the XXXX County Court in New Hampshire. I supplied this proof to XXXX XXXX, who re-submitted it through Experian Credit Bureau, who still refused to remove it. I origianlly disuted this directly through experian in XX/XX/XXXX when this inof appeared..to no avail. This has caused my extreme financial damage, and emotional distress, causing me to forfeit funds ... possibly move etc. etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2018 about Mortgage (Conventional home mortgage) with HOME FINANCING CENTER (FL).
Issue: Trouble during payment process

Complaint: I had a first mortgage loan with Home Financing Center in XXXX XXXX Florida which I paid off with a refi from another institution. The closing with the other institution took place on XX/XX/XXXX and Home Financing Center received the payoff on XX/XX/XXXX. I had approximately XXXX in escrow with Home Financing Center and they have not returned those funds to me or to the other institution. I have emailed them, I have called them and approximately a month later they have not returned my funds. This is unacceptable and can not be allowed to happen. 

XXXX XXXX loan number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I was never offered the income driven repayment. I was told only forbearance for years. This has substantially increased my loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Mortgage (Conventional fixed mortgage) with STONEGATE MORTGAGE CORPORATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage account with StoneGate Mortgage # XXXX for a rental property at XXXX XXXX XXXX - XXXX, IL XXXX which was set up on auto payment. Our mailing/statement address was our office at XXXX XXXX XXXX XXXX, IL XXXX StoneGate had our correct email address, office and mobile phone numbers. Yesterday I noticed the auto payments stopped in XXXX 2016 for the mortgage payments. When I called StoneGate to find out why I learned my loan was transferred in XXXX to XXXX # XXXX and that as of today XXXX XXXX we owed 4 months worth of payments. I made the payments today, but very concerned my credit will now be negatively affected for this. Neither company informed us of the change by mail, email or phone. Not sure of our rights, but does not seem right. Thanks for your help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was on a payment plan with XXXX. Where they took my bank acct info and were taking payments out every month automatically. I noticed that they suddenly stopped taking the payments out of my account. I called them and they said they reported me 30 days late because I had to re-set up the payment plan. No one notified me that I needed to do so, or let me know what they payment plan was about to expire to call in and renew it. I have since renewed it and they are taking the money, however I do n't think it is fair that they reported me late when they had the control of my bank to take their payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax refuses to remove a dismissed chapter XXXX bankruptcy from credit report after 7 years which is the law their policy is keep it credit report for ten years

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CO).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: On XX/XX/XXXX, XXXX XXXX XXXX responded to my complaint XXXX saying they would send a new gift card and also credit {$25.00} to 'your card '. I have not seen a replacement card or a credit to any of my cards.

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 09/16/2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (AL).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a hardship refinance with Flagstar Bank and submitted all the required documents. I called back after two weeks and was told the application was under review. I called back in another two weeks and was told the application was rejected because the documentation provided was too old. The pay stubs were the only documents that were to be recent and they were my XXXX most recent stubs at the time. I applied again and was never able to get an update about the status of the loan until after over a month had passed. I was always told they were backed up due to the number of requests, but it was in progress. I was finally able to get someone to tell me that my request had been rejected again because the documents were too old. I ended up having to take out a 401k hardship loan and am still paying tax interest and penalties because of it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Payday loan, title loan, or personal loan (Installment loan) with Social Finance, Inc. (NJ).
Issue: Getting the loan

Complaint: I was sent a pre-qualified offer for a personal loan by Sofi. When I created my account and requested a rate, one was provided to me and i was prompted take next steps including a hard inquiry on my credit. 
On first application, I provided following documents : 2 Most recent pay stubs Copy of my XXXX XXXX Application was denied as Sofi responded that they can not verify my employment I applied again and provided following documents : Copy of 2016 XXXX 2 most recent paystubs Copy of My XXXX XXXX Again Sofi declined the loan citing " unable to verify employment '' One of Sofi underwriters viewed my XXXX profile as well. 
I called Sofi and was told following WE CAN NOT PROVIDE YOU DETAILS OF WHY WE CAN NOT VERIFY YOUR EMPLOYMENT. Keeping in mind that i provided my SSN, employer 's EIN and most recent XXXX, it is very hard to imagine how Sofi would fail to verify employment. 
I got my employer on the phone with Sofi. We were advised to open a third application so Sofi can look into it. 
I followed their advice and opened a third application. This time I called Sofi every day when the application was in review, notating on the case that if Sofi is having difficulty in employment verification, reach out to my employer. I was assured that it will be done. 
But the application was declined again, citing inability to verify employment. 
At no time an attempt was made to reach out to me or my employer verify.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ray Klein, Inc. (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: The collection agency obtained a judgment against me only for medical bills associated with the birth of my and my ex-husband 's daughter even though I was legally married when she was born and covered under my husband 's medical insurance. I contacted them approximately 1 month ago to explain the circumstances of the bill, that the judgment should be against us both, that according to a court ordered divorce decree dated XXXX/XXXX/XXXX, my ex-husband is responsible for those medical bills, that I am currently on welfare ( food stamps & OHP ), that he is almost $ XXXX in arrears on child support, that he has no parenting time with the kids, I have no family to assist in the area, and I only work XXXX hours per week supporting the kids completely on my own. 
Last week, my employer and I received a garnishment for {$2900.00}. The judgment is dated for XXXX/XXXX/XXXX and the bills are from on and around XXXX/XXXX/XXXX. They want to take up to XXXX % of my wages for medical bills that are over XXXX years old for my daughter 's birth when I am having difficulty financially supporting them now. I was told that it is perfectly normal to take legal action against only me for the medical bills and that I should hire an attorney. Clearly I can not afford that. Please help! This is completely discriminatory against me as the mother and disabling to my finances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation