milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/21/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (WY).
Issue: Application, originator, mortgage broker

Complaint: Started a loan with US BANK HOME MORTGAGE XX/XX/2015.  Bank requested multiple unusual information and documents (I provided everything they requested) but when I requested supervisor information to verify the requests (fishing for information not regarding the loan or people not on the loan) No information provided from the loan processor and odd requests continued to be emailed.   Other issue was the home appraisal required water to be turned on,  we were advised by the seller that it will be the buyers responsibility (me) to turn on the water.  US BANK already advised if the water isnt on they will do a XXXX appraisal and charge us duplicate times so I requested and my realtor requested to be notified once the appraisal is scheduled so we can be there to turn on the water.   US BANK did not notify us so we could turn on the water.   Once I requested the loan to be closed (XX/XX/XXXX) due to their poor business practices, fishing for information, no communication on the appraisal and saying they will just charge multiple times  I started to get scam phone calls. (my # is on DNS and I had not signed up for ANY scam calls) Requested my loan to be closed again by a supervisor and my information to be securely destroyed and fees be refunded they now are issuing MORE charges on my card 24 days later that are not authorized.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/17/2015 about Mortgage (Conventional fixed mortgage) with Stearns Ventures, LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: We closed on our new home at the end of XXXX 2014. Our title company held money from us at closing to pay for 2014 taxes. When the tax bill came in the mail the title company paid the taxes and refunded back to us the extra money they had collected to pay 2014 taxes. We then noticed in a mortgage statement that our lender claimed to have paid the 2014 taxes. We called our title company and they told us no, the title company had paid the taxes and the title company sent us proof of payment and a refund of the overage they had collected at closing to pay taxes. I have repeatedly reached out to our lender to get this corrected and to no avail it still has not been corrected. I want this corrected and the money put back into our escrow that should have been in there the past 6XXXX months, and ensure we have not been paying interest on an " advance in escrow, '' payment that it states when we log into our account online. Would like this corrected immediately, been trying for over 6 months to get this corrected, been more than patient with this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: It is a long complicated issue. It started with my student loans being refinanced without my permission. Multiple companies have now tried to collect from me on this loan. The new loan conditions are very unfavorable to me and I did not agree to them. Companies and organizations including The department of education, XXXX XXXX, XXXX, And XXXX XXXX have all tried to enforce the terms upon me. In the meantime no one will accept payment from me in the terms that were agreed on. 

When I went to obtain an insurance product I requested a copy of the credit report and disputed information on it. I explained in the dispute this issue, along with others, and told them if they needed documentation to contact me. They did not contact me and did not remove any of the incorrect negative information. 

Just recently I received a letter from Equifax that I had placed a fraud alert on my credit report. I did not do this, at least not intentionally. Maybe it was something XXXX did when I filed a dispute with them? There was no number in this letter to call a person, only an automated system to place a longer fraud alert on my file. So i searched for a phone number and found XXXX and finally got a human named XXXX. After I asked if he could help me, he hung up on me. 

So, in summary, I have incorrect information in my credit reports ; a loan out there that was refinanced to unfavorable terms without my permission, and no one who will accept my payments ( I keep getting refund checks ) ; a dispute with XXXX that was not resolved ; a new issue of a fraud alert on my files that no one will discuss with me. 

I have been unable to find any government agency or private agency that can or will help me resolve this snowballing issue. I have called the CFPB before who told me that only the department of education has authority over themselves and it is unlikely they can help. Now it has spread to include private organizations. Private organizations working with a government organization to make the matter worse. Can you help me? If you need any documentation, let me know. I do not know what you need.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I fully paid account and closed it. The credit card owed me a balance of {$50.00}. 
I had to call and have the amount checked and put in the account. 
Now the account is being reported as restricted, dropping my credit score during the holiday shopping season. High interest, annual fees, and poor service is why I closed this account. I believe this was a malicious act ... 
XXXX XXXX account # XXXX Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Credit card () with AMERICAN EXPRESS COMPANY (TN).
Issue: Billing disputes

Complaint: Am Ex customer service is horrendous. I have been a member since XX/XX/XXXX and hate them. It took me from XX/XX/XXXX to XX/XX/XXXX to finally get someone to speak with me on a " late charge '' I incurred by paying my bill early. I spoke with XXXX XXXX on XX/XX/XXXX, she was very accommodating and removed all the charges AMERICAN EXPRESS added because I paid early and a supervisor would not call me back! She forgot to remove a {$5.00} interest fee ( just an over sight on her part ) so AMEX charged me {$27.00} interest fee on this. I pay my bill in full for 14 years now, and I pay too early and have been going through XXXX ever since. I called today to speak with XXXX like she said I could if there were any other problems. The initial operator refused to find her, so I spoke with XXXX who word for word stated " Its not american expresses fault you paid early and got a late fee! '' This can be verified as it was being recorded. He said THEY were generous enough to remove the late fees and interest accrued ( except XX/XX/XXXX, even tho they removed XX/XX/XXXX ) -THAT THEY CAUSED BECAUSE I CALLED 8 TIMES, AND POSTED ON HERE SEVERAL TIMES FROM XX/XX/XXXX TO XX/XX/XXXX TO SPEAK TO A SUPERVISOR!! XXXX has a supervisor but he told me NO ONE CAN EVER SPEAK WITH HIM! i ASK IF i COULD EMAIL HIM MY ISSUESXXXX REPLIED " NO YOU CAN NOT CONTACT HIM IN ANY WAY '' His name is XXXX XXXX, I would assume he is as much of a horse

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/26/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Recently, I notice a collection from XXXX XXXX that show XXXX past due. This collector is attempting to collect a debt that I am not liable for because I was not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XXXX of XXXX, I received a call from a collection agency about an unpaid account with XXXX XXXX that was set up with my social security number. XXXX determined it was a case of fraud. I was advised to file a police report ( see attachment ). On XX/XX/XXXX I received an e-mail from XXXX stating that they notified Experian, XXXX, and XXXX. It stated that it would take 30 -90 days for the fraudulent account to be removed from my credit report. In XXXX of XXXX, I was completing a yearly free credit check and noticed that the unpaid account is still showing up on all three credit reporting agencies. I called XXXX and a similar email was sent on XX/XX/XXXX. Both emails are attached.

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 01/20/2017 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 was not well informed by the school or the loan provider about the process and the future implications of the cost of education. Then working with XXXX XXXX and then Navient has been frustrating. I can not afford even the lowest payment they have offered me even though I have a XXXX degree. I am continuing my education just so my loans are in deferment. I know this is not the answer but owing {$180000.00} in private and federal loans, with XXXX small children, making less than {$50000.00}, I have been given no choice in the matter. My hole just keeps getting deeper and deeper and there is no hope in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: ( 1 ) I believe I have been mistakenly put on a path through the application process for a Modification when a XXXX XXXX, 2016 Bank notification of intent to Accelerate triggered me to call the bank 's Customer Service team and the rep began me on the path of a Modification Application which I submitted XXXX XXXX via a designated single point of contact. I feel like the situation is overwhelming and spinning bigger and bigger out of control as I have discovered from reading various bank communications to me that a much better and simpler option would be what Bank of America describes as a " Repayment Plan that allows you to make your regularly scheduled mortgage payments plus pay off a portion of the past due amounts overtime. '' ( 2 ) Separately regarding the distinct, separate Modification Application process and review Bank of America Representative XXXX XXXX in our long conversation said more than once regarding all of my issues and questions raised that, " Your points are valid and you need to take them back to your Bank of America single point of contact. '' I have attached my written questions and requests made to my bank designated single point of contact here which lays our requests and questions to considered and addressed. Please note I have documented copies of all communications from the bank listed in the chronology of the attached letter. My assumption is the bank also has these in their database however I can provide upon request.

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 02/19/2017 about Debt collection (I do not know) with ECMC Group, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently received a letter from this company demanding payment for an account I have no knowledge of.To my knowledge I have never done business with this company and they have never provided me any goods and or services.

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 02/17/2018 about Payday loan, title loan, or personal loan (Installment loan) with 1st Franklin Financial Corporation (AL).
Issue: Problem when making payments

Complaint: I have a loan with first franklin in XXXX al I have received multiple call and voicemails in one day to the point of feeling harassed, I had explained that I changed jobs and would be needing time to get back on track was not a problem till it was late and spoke to several of the girls there they were very hateful with me and threatened legal action because I rolled into a new month told her I have been with them for years and they have made a lot of money off me and that they would get there money on my pay day which was a few days later the girl said she could not guarantee I would not have legal action taken against me I told her if they needed to threaten me over a balance of a few hundred dollars to go ahead she continued to be hateful told her she would get Friday and that I did not need to be treated like someone who does not pay my bills, I then received a letter from the branch manager stating the same. I worked in this industry for years and I know that there are several rules violated here and reach out to the company which tried to call me several times I dont work hours that I can receive there call so I never got to talk to them a few weeks later I received a letter saying they tried to reach and assume that this matter was resolved I feel I was treated unfairly and know that they have had issues in the past with reporting and threatening customers these tactics are childish rude and uncalled for. I will be paying my loan off which by the way is current and never doing business again with them I hope some one stops this and monitors this company better they need to be shut down and stopped for good

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 02-04-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XXXX exhausted ALL the funds and money from my student loans and finally administratively withdrew me from the XXXX program offering me the option to re-enroll in a XXXX program. 
With research investigation since XX/XX/2012, I learned that they as a for-profit entity, practiced unlawfully without trained staff, professors, and mentors in the XXXX field. This explains their inability to accurately mentor, responsibly process research reviews, and instead constantly had me retake unnecessary courses until all my funds were exhausted and now I am left without a degree and a XXXX student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been disputing this information for the past two years and it keeps getting worse. My child was in the band when she was in middle school. I rented an instrument from XXXX back then and turned it in on time. I no longer have anything with them. I noticed on my report last year that they were saying the account was 30 days late and I disputed it, but nothing was done. I disputed it again and then they started reported it as paid as agreed and that I was paying every month. I do n't have anything from them, nor am I paying on any account. So they have it as a creditor and they also have it in my collection section showing that as a negative remark. They keep reporting this and it is impacting my credit score dramatically. They keep reporting it every single month on moth sides. I have sent a letter to XXXX and to the Credit Bureau and they continue to report it. My credit score dropped down when they added it to my current creditors as if I had credit with them.

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 06/18/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: Chase bank placed a hold on XXXX checks that were deposited to my personal checking account on XXXX/XXXX/15. The hold information posted on my chase banking website stated the money will be released on XXXX/XXXX/15. However, this morning I received email from Chase XXXX protection Department that the money from the XXXX checks will not be released until the XXXX/XXXX/15 and even then they will still continue a " review. '' The deposited checks are XXXX bank checks and I know for a fact the accounts at XXXX bank from which this money will be drawn have the required sums available. I called the chase XXXX Protection Department today, but they stated this is a " procedure '' they have to follow. I told them I know the source from which these XXXX checks come and I do not understand why my money is being held without a definite day of release causing me financial hardship and overdraft fees. I do not have any history of bad checks or any other account related problems with Chase or any other bank. I just want my money released and do not feel Chase has the right to withhold my own funds from me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: This is the second part to compliant # XXXX I receive this document, firstly I received a escrow review statement that inform me the escrow shortage was XXXX. ( paid XX/XX/XXXX with the monthly payment ), then I was informed by a bank rep that I need to pay another XXXX to bring escrow in compliance so on XX/XX/XXXX another XXXX was paid this should have brought escrow in compliance and keep the mortgage the same. Now I receive this document. I have been told that unless I sign this document I will not be able to keep my mortgage the same even after paying the escrow shortage ... by signing this document I will give Well Fargo the right to review escrow every XXXX months and to make adjustments that will only benefit them.

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 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XXXX17and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

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 11/29/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TN).
Issue: Problems when you are unable to pay

Complaint: We purchased a vehicle from Ally Finicial and we got behind on the payments, they repoed it once we paid all fees and went got it back and few months later the same thing happened but both times telling us they had rolled payment to the end of the term, XX/XX/2014 got behind again tried tried to work it out they would n't take anything less than XXXX XXXX We were told they took possession of the car back they would sale it at an auction deduct that amount from the balance and send us a letter letting us know how much vehicle sold for at auction and what our balance would be! They have never heard a word from them since its reporting on our credit I 've tried and tried for over year and half to get validity of the bill of sale at auction to verify outrageous amount they say we owe, they never respond, never have yet sent record or anything to my disputes on all XXXX credit reports they blow them off within a day credit reports say consumer disagrees account charged off! Is it not our right to know and have explanation of why a balance of over XXXX grand is on my credit report? Arent they suppose to oblige to my disputes and correspond with me once disputes the validity of my account standing and my dispute? Am I shunned and stripped of my rights because the repairs on the vehicle got to expensive even tho we purchased for extra XXXX $ power train warranty and with XXXX $ monthly payments? Please help me as a consumer to straighten out this huge issue that Ally nor credit companies not make them abide to the laws. Thank you very much

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 06/29/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with MARINER FINANCE, LLC (PA).
Issue: Getting a line of credit

Complaint: I am writing to complain about an insane marketing practice. I received a check in the mail from " Mariner 's Finance. '' It was a check for {$3500.00} made out to me that I could cash. It had a finance charge of {$1700.00} and I think 26 % interest. I was really upset that they could advertise like that, it seems incredibly predatory. It is an easy way for someone in a pinch to get money, but the terms are unbelievably horrendous. I do n't know whether this is legal but I hope it is n't and Mariner Bank is stopped. If it is legal I hope my outrage keeps others from falling for this predatory tactic.

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