milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We have a loan from Bank of America for our home. Total house price was {$45000.00} and we have made some baloon payments and the loan balance is only {$29000.00} or less. 
For all the property taxes of 2015, we have paid all the taxes to the taxing authority on XXXX XXXX, 2015. We had personally been to their branch office and met XXXX XXXX XXXX and given those receipt copies. I had also sent an email to her asking her not to make those payments. I had also paid all the escrow account due on XXXX XXXX, 2015. 
Escrow account is only meant to cover any and all the taxes paid by BOFA. Now there is no taxes paid by them and they have refused to accept it and asking for the payment of escrow account. I should be responsible for the payment of principal and interest in the amount of appx. {$550.00}. Instead of that they are threatening us to foreclose on the house. Also we have paid in escrow account a total of {$38000.00} or more and they have paid out only {$32000.00} or so. I have asked for more than 30 days ago for the account details and I have got no response on that. My loan no is XXXX XXXX. My cell no is XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was notified of negative activitiy in my credit report In XXXX XXXX by my financial institution. Upon investigating I realized XXXX XXXX XXXX had reported late payment on a credit card held with this company. I had not used this credit card since paying off my debt of {$1600.00} in XXXX. I called XXXX Fraud department to inquire why and what I was reported for. I was transferred to customer service and was told that the card had been used to make a purchase of {$4.00} at a XXXX on XXXX/XXXX/XXXX. I explained that I had not used this card and was not aware of this purchase. I was told to submit a written statement regarding this incident. A written report along with the required documents was faxed to XXXX XXXX XXXX. I was told they would investigate and send me a report on their decision. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX stating they had updated my credit report with the credit reporting agencies : XXXX, XXXX and TransUnion " to read as a current account with a balance of {$0.00}. 
XXXX XXXX XXXX did not clear my name for the late payments reported to the credit reporting agencies and this significantly dropped my credit scores. I have since attempted to get them to do this so my previous " Excellent and Good '' credit report status could be reinstated. I was told with time I can rebuild my credit report. I did not destroy my credit report, I have worked hard to build and sustain my credit report and would like for this company to report that I was not responsible for the late payments since I did not use this credit card. A XXXX balance report did not address the fact that I did not use the credit card and was not responsible for the late payments report. I have not made any payments to XXXX XXXX XXXX, by their reporting a XXXX balance it suggest to the credit reporting bureas that I was in fact responsible for this transaction and guilty of a late payment which has since been settled to a XXXX balance. Due to the incompetency of this organization my credit score has been adversely affected. I am kindly soliciting this organization assistance in reinstating my good name which I have worked very hard to maintained. Thanks for your support in this endeavor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: This is an update to complaint #  XXXX . Online customer service a t Capital One could not provide me with the name of the individual handling my case. Capital One has charged me {$210.00} solely based on the balance transfer. Capital One said its their poli cy to charge interest. However,   XXXX   XXXX   XXXX   XXXX  stated that they sent a check to  Capital One in enou gh time so that I should not be charged any interest. We have spent much time trying to get this resolved and   XXXX    and Capital One can not seem to coordinate and fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (Medical) with Collection Management Company (PA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Company of original debt, XXXX and it 's collector, Credit Management Company were both notified multiple times that the debt had been satisfied. Entity and collector were provided with receipts and emails from practice manager indicating as such. Company was sent notice on XXXX XXXX, 2016 to cease and desist collection efforts. Company sent that notice back to us with an envelope demanding payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Mortgage (Conventional home mortgage) with IMPAC MORTGAGE HOLDINGS, INC. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XXXX XXXX I was looking for lenders to refinance my home and Cash Call was the lender I was dealing with at the time, XXXX XXXX was the loan XXXX he issued me a Loan estimate on XXXX I disagreed with the offer, I told him the payoffs were off quit a bit come to find out XXXX ordered payouts from both my mortgages and I was billed for it on my monthly mortgage statement {$25.00} dollars and never gave me a copy and I requested it after I learned what he did, he did worse than that he change my Home owners insurance XXXX payee to IMPAC MORTGAGE CORP DBA CASH CALL and removed my current mortgage provider. XXXX never informed me of anything is a matter of fact I emailed him after receiving the loan estimate informing him to lower the rate and fix the errors he ignored me and changed my insurance policy anyway very pushy the company puts a lot of pressure on consumers, in other wards if something happen to me cash call would be getting paid instead of my current lender. first of all that should be illegal second of all I never had a financial agreement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: My medical bills that went to collections with XXXX XXXX XXXX in XXXX/XXXX dropped off in XXXX and now TransUnion is reporting them again.

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 07/26/2017 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (DC).
Issue: Trouble during payment process

Complaint: I am now XXXX years old and I live in XXXX, XXXX and own my home since XX/XX/XXXX. Back in XX/XX/XXXX, I began the process to get a reverse mortgage. My broker person works out of XXXX XXXX  in XXXX. I was to finalize on this reverse in XX/XX/XXXX and then they kept finding different things that I had to provide them that pushed the date off and now we are in XX/XX/XXXX and we have not gotten there yet ... I informed my mortgage company -- CIT Bank of my plans and in XX/XX/XXXX they stopped taking my mortgage payments, I believe to push me into foreclosure. However, I wasnt worried about this because I knew that they knew that I was going to the reverse mortgage and get out of the relationship with them. The problem is that we are going into XX/XX/XXXX and I still have not closed on this new reverse mortgage, and my company -- while not allowing me to pay my mortgage, ( which also includes some shady stuff, which is the reason I want OUT from this company altogether! ), they are increasing the amount of money I am to pay them to have this mortgage by LEAPS AND BOUNDS!!! And I am not getting ANY real explanation from my broker .... or at least a reason that is reasonable!! Our last pay off deadline was XX/XX/XXXX and from XX/XX/XXXX to XX/XX/XXXX my company has increased the money I am to bring to the table {$6000.00}!! WHAT!!? The amount of money changes from one day to the NEXT day, where the pay off amounts from CIT are concerned! I believe I need some assistance from your bureau in this matter! One of my biggest concerns is that this process is offered to seniors -- persons over XXXX years old,  so the banks probably believe they can tell old people ANYTHING and to PAY ANYTHING and they will pay it, REGARDLESS!! I really want to get the reverse mortgage, BUT I dont want to be SCAMMED! I believe they will retaliate against me if I push them on this because of how they, 1. stopped taking my mortgage payments -- then they wrote me & told me they sent me a check, WHICH THEY DID NOT DO!, 2. they will make it impossible for me to get the reverse because they will cost me out of it -- charging me so much that I wont have the money to pay it, and XXXX ... .AND by then, I will be in foreclosure, and not able to do ANYTHING! I think I am being SCAMMED! the CIT bank is a hard bank to talk to -- they are just out right MEAN and I hate to talk to them! they call me 40 times a day! the calls are intimidating ... Please help me! Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (FL).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: I went to XXXX XXXX in XXXX XXXX Florida with a pre approved loan through XXXX XXXX. The dealership insisted i give them my social security number to see if i could get a lower rate through any of their financial providers. XXXX found a couple of banks and gave me my options and proceeded to tell me why a credit union would be a great choice for my financial future and went into more detail about why this credit union would be helpful. She gave me a paper that said congratulations on approval with XXXX XXXX XXXX and i left the facility under the impression that that is who i finances with. She told me to expect my bank information from them within 2 weeks or so. 2 weeks had passed and i had not received any information so i called the dealership back to see what was going on. A new accountant by the name of XXXX told me that XXXX was on medical leave and that my financial institution was Ally financial. I told him that is not what XXXX and i discussed or agreed to and he told me that XXXX XXXX XXXX declined me so they had to pick another institution to put me in. I told him they cant change the financial institution without my consent and he said that they could. After further conversation he said he would get XXXX, their general sales manager to call me to let me know my options. 

XXXX sent me an email apologizing for XXXX mistake and said she was highly convinced that i would get approved with XXXX XXXX XXXX and thats why she told me i was banking with them. He also said it would be at the same rate and monthly payment. I responded to him that its unacceptable to have a person in the finance department giving confirmations to buyers off of being highly convinced. I also explained to him i had no intention on financing with them since i had already been pre approved with my own personal bank at chase but since they insisted i run my credit with them that is what i did. I also told him i wanted to get switched back to chase bank. Overall i was upset at how they handled the situation and their customer service. 

XXXX called me a few days after i sent him my email and told me it would be too late for them to switch over financial institutions and that i would have to apply for a refinancing with my bank and that was my only option. He also said he had a friend that works for XXXX that he would see if they could help me out. 

I havent heard back from him, but i did call chase and apply for refinancing in which they said that i was declined since it would not be through the dealership and they were not willing to take on full liability. 

Im not sure what the end result will be but I do know that at this moment I am now stuck with Ally financial who Ive read is a terrible financial institution to bank with.

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 09/23/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We locked in a very good interest rate and the refinance of our loan was dependent on the appraisal. We 've have three prior appraisals in the last XXXX and prices where we live in XXXX XXXX have only gone up. Our realtor tells us inventory is still really low. Chase 's appraiser came back with a value that is the same as our current mortgage and XXXX % lower than our prior 3 appraisals. There were several mistakes in the appraisal and recent comps were excluded that are higher in price. One of which was only XXXX months ago. At the same time interest rates have gone up and that rate is n't available at other lenders now. Chase may have backed out of our loan because of higher rates, which is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I have been working with Bayview Loan Servicing for 7 months to do a deed-in-lieu on a mortgage i 'm in default in. 

Their most recent reason for the delay is, after asking me, " do you have any liens on your home? '' My response is now yes. Up until two weeks ago, there were no liens on the property. As a result of Bayview draging their feet and failing to respond to request for information for months, my HOA has now placed a lien on my home and says they will be foreclosing on it soon. 

I 've contacted XXXX XXXX and made another good-faith attempt to resolve the lien but ca n't get him to respond in writing. 

I have the money to resolve the {$10000.00} HOA lien but do n't want to resolve it until Bayview says they are willing to move forward with the DIL process. 

They say that they need to " verify my income. '' I 've sent them the same paystubs and bank statement for 7 months. They are consistent and rarely fluctuate. 

They 've endlessly asked for the same paperwork over and over. 

I have plenty of evidence to support that WHEN Bayview actually request information, I usually respond within 24 hours. If I ask for information from them it take weeks and up to a month for them to respond. 

Additionally, I am hearing and speech impaired. They 've refused to make reasonable accommodations as outlined in the Americans with Disabilities act and allow me to communicate via email for for efficient service.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: This is an extension of case number XXXX filed on XXXX/XXXX/2016, which states : " I opened a Citigold checking account under promotional terms that would award me XXXX Citi ThankYou points after meeting certain requirements. I had met the requirements in XXXX 2016 and waited the mandatory 90 days before miles would be posted. I also had an agent confirm on live chat on XXXX/XXXX/2016 that my account was indeed enrolled in the promotion and that I had fulfilled the requirements. But yet Citibank would not and has not honored the promotion. '' The company 's response on XXXX/XXXX/2016 was : " XXXX XXXX, please accept my sincere apology for the inconvenience you described. Our goal is to ensure that all of our clients are provided with the highest level of service and we regret that you had cause for dissatisfaction under any circumstance. I assure you that our marketing strategies are certainly not intended to mislead you. Citibank, like other banks, periodically offers promotional bonuses to deposit account applicants to attract new clients. In order to conduct our promotions in a manner consistent with sound business, we may customize offers by direct mail campaign initiatives to select individuals ; in addition to the requirement of the standard terms and conditions that Citibank discloses for its promotions. 

In our review we found that the offer in question, promotional code XXXX, was not directed to you. However, Citibank fully respects any obligations made to you by our representative on XXXX XXXX, 2016. Therefore, we are honoring your request and the XXXX ThankYou points will be applied to your ThankYou account within 30 days. 

Thank you for allowing us the opportunity to respond to your concerns. '' I have since responded again on XXXX/XXXX/2016 with : " A day ( XXXX XXXX ) after receiving your response, I received another letter ( attached ) in my Citi online banking account. It stated " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. While Citi does offer ThankYou ( R ) Points promotions at times, those offers are only available to the individual to whom the offer was addressed. '' While that is partially in-line with the CFPB letter dated XXXX XXXX, the latter XXXX XXXX letter did not indicate the promotion would be honored nonetheless as the CFPB response letter did. And while it has yet been 30 days, I have not received the points thus far and I am unsure at this point of the direction of resolution. Please re-assure that the XXXX ThankYou points will be applied to my ThankYou account as soon as possible. Thank you. '' I did not receive a response from that latest message. Now that 30 days has passed from the initial promise, I have yet to receive the promised 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 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In reviewing my credit report, I noticed  a Hard Inquiry from Capital One  on  XXXX  of    2016. I made no attempt to apply for any credit through capital one, and in my attempt at mortgage financing I was lead to believe that the number of inquiries on my account contributes to lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: TransUnion removed unauthorized inquiries from my credit report only to turn around and put them back on when they had a glitch in the month of XX/XX/XXXX. I contacted them XX/XX/XXXX and explained that I was seeing these inquiries along with a collection and was told that it would be taken care of and removed. However, fast forward to today XX/XX/XXXX and only the collection has been removed and all the inquires dated from XX/XX/XXXX to XX/XX/XXXX ( XXXX ) total that were not authorized by me still remain. I called again and spoke with XXXX who stated that anyone can run my credit anytime they feel and the inquiries will stay for 2 yrs. He then transferred me to XXXX who is suppose to be a supervisor who stated the they never were removed and will remain regardless. Now I have been patient with them and tried to understand that all companies have computer issues at times but this is getting old. My inquiries were removed and they were suppose to stay removed. Not get put back just because your system had a glitch and then you never notified me that you were putting them back. It is my legal right to be notified before you just go and start putting things back on my credit file. I never received my 5 day notice to do such a thing so therefore TransUnion is in violation of my rights. These inquiries add a hardship to my life as I 'm trying to buy a house. I ask that you please make TransUnion be responsible and stop victimizing me along with others. As a resolution I request that TransUnion delete all of the said inquiries in question permanently from my credit report as a violation took place when they illegally added them back. Thanks for your time.

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 12/29/2016 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have received various correspondence for my mortgage account telling me I owe this amount or another letter stating that my XXXX, 2016 payment is due, or when I check my balance online it showes a different balance. I am confused as to what my payment should be. Also, to add more confusion to this situation, I have had Flood insurance on this property, since it was required and yet Capital One keeps purchasing flood policy and when I have sent them proof of insurance it does not get applied to the mortgage. Then the Flood insurance department sends me notification needing flood insurance on the property when it has been sent several times from myself & the insurance agent. This is utter confusion for me and for my insurance agent when there is a severe lack of communication between the Mortgage department, Escrow, and Flood Insurance. They have completely mismanaged my mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Good Afternoon, The 3 credit agencies have two wrong addresses on my report. I never lived atXXXX XXXX XXXX or XXXX XXXX XXXX and I need to find out how to get back a government check from social security that was mailed to XXXX XXXX XXXX in or around 2012 when we were allowed an extra XXXX dollars cost of living one time for the year check. Please, help me. Someone cashed that check illegally and I never got any help because at the time I owed taxes and I had to pay extra when I should not have. That money should be reimbursed but all the necessary important places claimed they could not find or help me. Did that slip through the system too? 
Thank you, Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief