milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PENTAGON FEDERAL CREDIT UNION (CA).
Issue: Application, originator, mortgage broker

Complaint: Our complaint is about Penfed not honoring its advertized policy of holding the loan rate unchanged, in spite of their agreeing to " lock the rate for 60 days ''. 
When I ( XXXX ) made my first call to Penfed, in XXXX, I enquired about the terms and conditions for a loan rate which they had advertised. I was told that besides the usual creditworthiness etc, there were XXXX conditions. The loan should be a " conforming '' loan ( amount less than {$410000.00} ), and there should be a 20 percent down payment. In a few days I called again to finalize the amount of the loan. I mentioned that based on the on the value of our house given by XXXX ( {$580000.00} ), 20 percent down ( {$460000.00} ) would exceed the the first condition, so I was considering {$410000.00}. I then asked if, on the other hand, I were to request {$400000.00} ( which would be 30 percent down ), would that lower the loan costs? I was told that it would not. The loan rate would not change as long as the criterion of 20 percent down was met. 
So, we filed an application for {$410000.00} and chose to " Lock the rate for 60 days ''. On XXXX XXXX we received an " Interest Rate Confirmation Agreement ''. More than a month later, XXXX XXXX XXXX ), my wife received a mail saying that the house appraisal had arrived and that it was adequate. However, in a few days the interest rates went up, and they sent us a new loan agreement. While this new agreement nominally had the same interest rate, the other costs had dramatically increased by about {$6000.00}. I complained, and I was told that the costs had gone up because the appraisal was too low. I pointed out that while one can raise questions about the method of appraisal, it still satisfied the 20 percent criterion, and as a matter of fact, their first reaction to the appraisal was that it was " good enough ''. As a result of my protest the loan costs were slightly reduced, but they were still far higher than the original agreement. 
In a nutshell, in spite of promising a 60 day lock on the interest rate, effectively the rate was significantly increased. And in spite of a subsequent modification ( after our complaint ), it still stands quite a bit above the original agreement. 
We are enclosing the following : File 1 : The original contract File 2 : Letter indicating that the appraisal was " good enough ''. 
File 3 : Modified rate File 4 : Readjusted rate File 5 : Appraisal XXXX and 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 explanation
Consumer complaint received 08/16/2016 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (AL).
Issue: Managing the loan or lease

Complaint: I purchased a brand new XXXX XXXX XXXX in XXXX XXXX. First, they did not give me a correct value for my trade-in. I traded a XXXX XXXX XXXX ( that was fully loaded, with leather seats, navigation, heating & cooling seats & steering wheels, etc ). They only gave me the trade-in value for a BASIC XXXX, with cloth seats and a standard radio, steering wheel, etc ). I had SEVERAL problems with the XXXX & was constantly complaining or visiting the service department, to inform them of problems with the vehicle. They fixed and even had to order & REPLACE parts, on what was supposed to be a BRAND new car! I insisted I wanted out, or to trade for another vehicle! They refused!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: At the time I borrowed the money the company was XXXX XXXX. I was told over the phone that when I borrowed the money it would not accrue any interest until after I graduated college. Just as long as I did n't be out of class for no more than 6 months. At the young and vunlerable age of XXXX, I did n't know any better. After graduating in XXXX of XXXX ( in school from XXXX XXXX XXXX ) I was unemployed and unable to find work, so I joined the XXXX at XXXX in XXXX of XXXX. Right about the time my previous loans were coming due. I was told I could put them in forbearance for a period of time without getting into trouble for a certain amount of time ( I ca n't remember how long they said ). At this time, I took out an additional student loan to put myself through the XXXX because frankly I did n't have any money. Fastforwarding to graduation of the XXXX in XXXX of XXXX, I was again told I had 6 months until my loan payments were due. In XXXX or XXXX of XXXX, when I finally looked into repayment of my loans, they had been accruing interest of ungodly amounts. My {$13000.00} or so of principle balance had grown to over {$30000.00}. This was devastating news to me. At times, I asked for lowering my payment and they said they could, but by this time I had learned my lesson of not to trust them. After investing, all I would be paying was straight 100 % interest. My principle would not be reduced at all. So I kept toughing it out. In the past 3 1/2 years I have paid almost {$15000.00} and I still owe {$22000.00}. As a matter of fact, I paid {$3500.00} on XXXX loan of 13.675 % today. Please help me and many like me. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: please find attached the FTC application and the dispute letter which also has been sent to transunion many times, the account in question has no delinquency, specially if the creditors letter ( attached ) is the proof, please find attached the creditors letter as well, which they are able to remove the negative from my credit. 
thank you for your help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: So I 'm still in school and not even 6 months after my anticipated graduation date did they tell me I had to start paying off their loan when I was told they would take 6 months after my graduation date when I was settled in with a job that I 'd pay. But now they 're constantly harassing my family and I are about payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Navient calls my cell phone 6 to 8 times every day. I told them to stop calling me. I Block the number and them they start calling from a different number. Never leave a message. These are my son 's loans that I cosigned. He deferred payment for 8 years. The value has tripled.
I paid on them for 15   more. I tried to settle them and they would not try to settle.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (NC).
Issue: Other transaction problem

Complaint: On X/XX/17 my friend wired {$2000.00} through Western Union to me from XXXX XXXX, XXXX XXXX. I made every attempt to locate the funds at various Western Union locations but they would not tell me where I could pick the funds up, only that they were not at their location. ( My local Western Union had just closed down ). Finally, I called Western Union headquarters and was told the funds were returned to sender. When my friend tried to pick them back up they Claim they have no record of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Hello my name is XXXX. since I purchased my property 22 years ago the API was at 9 % too high! & still is. because of the economic issues that been going on and because of my age ... I have n't been able to make my payment on time every month. my only income is my Social Security it 's not that much. No bank wants to help me to do a modification so I can lower my APR. Can someone help me or Direct me to the right person to get some help. My phone number is XXXX thank you in advice!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Debt collection (I do not know) with Receivables Management Corporation (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello I am making a complaint about the Receivable Management Corporation located in XXXX, SC. My case worker 's name is XXXX XXXX XXXX ( XXXX name maybe spelled incorrect ). My XXXX XXXX XXXX daughter went to the hospital a few years ago and I never received the bill or a phone call about a bill after it was processed by my insurance company ( BCBS ). I later found out that the bills where going to my ex-wife 's address which I have never lived. After processing the remaining balance was {$1100.00}. My contact number has been the same since I joined in the armed services back in 2005 and I have never received one call from " XXXX XXXX XXXX. '' The only way I figured out this existed and was already in collections was by checking my credit report after being advised by an apartment leasing agent. The debt is now paid and could have been paid very long time ago if I had only been notified of it 's existence. I asked XXXX XXXX since I was never notified if she would remove this from my report ( given that I was never notified of the situation in the first place ) and she said no because it could n't be. Later, I found out that was a lie. My phone also records all conversations. 
In conclusion, it is not fair that I have to live with this being on my credit history since I knew nothing about it. They already have the money. I only want this harmful statment removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I filed a complaint recently but I am unable to locate it so I am submitting it again. I got behind in payments when I went on XXXX and I submitted an application to my servicer for loan mitigation, but they called me last Monday and told me I did n't qualify for anything they could offer me. I do n't believe there is nothing I qualify for, because I have read about forclosure assistance programs for those on XXXX or unemployment and that it is unlawful to discriminate against someone who 's income is from government assistance. I have owned this house since 1998 and I truly want to keep my home. When they spoke to me on Monday they said they had sent me a letter but I have not received it yet. It 's not that I do n't trust them. It 's that I do n't trust them. I do n't want to find out that I 've missed an important deadline because I never received the letter.

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 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On my credit report, i have a credit card from my bank ( XXXX XXXX XXXX ). Its reporting that i have missed a payment in XXXX. I have never miss any payments for my credit card. This information is reporting incorrectly.

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 12-08-2016 about Debt collection (I do not know) with I.C. System, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently received a copy of my credit report, and noticed inaccurate accounts being reported on my files. I.C. System, Inc. is handling the collection of these accounts mentioned. However, after reviewing my records, I am unable to find any documentation of any contractual proof of contracts to substantiate their claim. Such as provided me with certified copies of original contracts with my signature, specifically naming I.C. System, Inc. as a company entitled to enforce commercial claims against me.

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 06/17/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I noticed XXXX judgments on my credit report with Equifax. I notified them that they did not belong to me. My father has the same name, but different SSN and DOB. All they did was go to the public records of the XXXX XXXX XXXX in XXXX, IL and said because it was the same name as me, it must belong to me. I also contacted the credit card companies and they advised that they could do nothing for me. These are not my debts and should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. there is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. 

I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. Prohibiting my right, by again stating something you know, and have been told numerous time previously to be false - is prohibiting me of my right and is your liability. 

Your Comments from the previous and related dispute just filed on XX/XX/XXXX - are simply untrue. 

" Please be advised that Equifax will not respond to this complaint via the portal as we suspect that it may have been submitted using a credit repair company. The format and verbiage of this complaint is similar to many other complaints that we have received from consumers utilizing the services of a credit repair company or 'credit clinic '. To ensure the privacy of our response, we will send the results of our reinvestigation to the consumer 's current address utilizing our normal dispute process. '' The issue remains -- - This account is incomplete, and inaccurate. 

The XXXX XXXX Account, Activity Designation Should be " Paid and Closed '' and not NA. 

The Pay History should reflect only for the months in which this account was opened. 

When EQ manually updated this Tradeline XX/XX/2016, the Pay History was space filled with NR. 

The Comments and the HC listed, are inaccurate as well. The Card NEVER had a High Credit of XXXX, or was at the limit.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My HOA covers the structure insurance, I do n't need to purchase further insurance. 
SLS asked for insurance, I sent, repeatedly, spoke to them on the phone, they kept sending notices that they were going to force place insurance, and I would respond and give them my insurance. They force placed the insurance, I FINALLY got them to UNDERSTAND, that I HAD the insurance. They said they would remove the insurance. They send me a refund check of approximately {$700.00}. This month my mortgage payment went up {$280.00} for additional escrow charges ( CHARGED MIND YOU, THAT I SHOULD N'T HAVE ). The only thing they said I could do is send a written dispute, but I have to pay the inflated amount otherwise my mortgage payment would n't posit. My taxes have not increased, my PITI payment had been and should be XXXX. This month they are demanding {$1500.00} and I 'm told next month will be {$1300.00}. I should n't have changing payments because my taxes have not changed, and they do not do my insurance, my HOA does.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (FL).
Issue: Settlement process and costs

Complaint: As a homeowner a Chapter XXXX Bankruptcy was filed XX/XX/XXXX, and Discharged XX/XX/XXXX. Then my servicer was XXXX XXXX XXXX, I have entered tow ( XXXX ) separate Modification agreements XX/XX/XXXX and XX/XX/XXXX the current Servicer is DiTech. The Servicer refuses to sign the Re-affirmation Document. DiTech, has referred me to my attorney whom has stated the Bankruptcy was done correctly and it can not be re-opened at this time to include the Reaffirmation of Debt. The Servicer simply must sign the Reaffirmation Document however, DiTech refuses to sign the document. I am caught in the middle, I have made all of the payments under XXXX modification agreements on time, I am being penalized for an error that occurred unbeknownst to me. I think this is unfair and need assistance in this matter. DiTech insists on this being a legal matter and the attorney insists DiTech is not adhering to the process of simply signing the Reaffirmation documents. What do I do to get the help I need as a Homeowner whom is making my payments, but caught in a cycle. My credit report does Not reflect my mortgage at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Vehicle loan or lease (Loan) with TCF NATIONAL BANK (PA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: Back in XX/XX/XXXX i asked for a extension for my car payment of XXXX and was accepted to not pay my loan till XX/XX/XXXX due date but since i am on a very strict income { fixed }, i have a 10 day grace period and with that said i pay on the XXXX of each month through XXXX. When i accepted the extension 'They asked me if i could pay for it after wards and i said no ' end quote. I have been threatened nagged harassed by this lending company in California and i asked many times to either lower the payments or take the car back either by voulantary surrender or reposession they will not refinance or lower my payments because of PERSONAL HARDSHIP. i only make XXXX month and have rent, utilities, life insurance to pay, medication { XXXX XXXX XXXX XXXX XXXX XXXX XXXX }. These people do not care about anything but getting the MONEY and i need help. A bank took money out of my account after the claim closed because the merchant somehow put the money back in which i think was a fake. I am a victim of ID THEFT SINCE LAT XX/XX/XXXX. Please help me to lower my payments if you can. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: report of a paid civil judgment on my report that has wrong information filed XXXX XXXX 2016

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 10/15/2017 about Checking or savings account (Checking account) with U.S. BANCORP (MO).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I opened checking account with US Bank and bank without my knowledge opened a line of credit. I did n't want it and they refused to close it. After my complaints they closed my checking account.

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 10/23/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax continues to report unverified accounts and they refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Equifax is in violation of Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Settlement process and costs

Complaint: My Mortgage company promised me XXXX dollars to sell my house as a short sale loan but did not receive the money. Also, all of the paperwork was not signed and completed for the sale of the house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (NJ).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2015 I contact Navy Federal Credit Union regarding fraud from XXXX and I was explain that they will cancel my Navy Federal Credit Union and will expedite me another Bank Card Via XXXX. I called today XXXX XXXX, 2015 I was informed it mailed out regular mail and were they can not trace nor tell when I should expect it. Navy Federal also explain that XXXX check of mine has been return and they do not notifty the payee that it not enough fund in the account. So they allow the payee to keep sending thepayment while they keep charging me {$29.00} XXXX times and they its not enough funds theaccounts. Along the fees from the vendor I also owe them {$29.00} for the XXXX transaction. 
Can tell me is this the Navy Federal Credit should treat their customer. I 'm still awaiting a response regarding the fraud at XXXX XXXX XXXX they just the take my money.

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