milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: THIS LOAN HAS BEEN ONGOING FOR 12 YEARS, AND DO NOT KNOW WHAT THE XXXX IS LEFT AS XXXX KEEPS COMING UP ON MY STATEMENT, IT IS LIKE A DRAIN BACKING UP UNTIL YOU GET MTHE CLOG OUT IT WILL KEEP BACKING UP, TERRIBLE. ALSO I DO MY PAYMENTS BY CHECK AND A STATEMENT DID NOT ARRIVE AT THE HOUSE AT IT NORMALLY DOES, THIS WENT ON FOR TWO MONTHS, I DO NOT KNOW IF THEY ARE FOCING ME TO ONLINE BANK, NO I WILL NOT DO IT, A CHECK TO THESE PEOPLE OR WHEREVER HAS BEEN GOOD FOR 12 YEARS WITHOUT A LATE OR MISSED PAYMENT. AFTER THIS I GO ONLINE AND SEE THE BIG RED MARK BEHIND THE STATEMENTS. LATE FEES AND SO ON, WHICH THEY WILL NEVER GET. I HAD THE LOANS THROUGH XXXX WHICH I HEARD IS NO LONGER IN BUSINESS. I WOULD LIKE AN INVESTIGATION INTO THESE PEOPLE AND FORBEARANCE OF THIS LOAN, ICH I NEVER HAD A CHANCE TO USE AS A XXXX. THIS WAS MHAD MANY LENDERS NAMES ON IT AT LEAST 4 OR 5 THAT ARE IN THE LOAN SOMEWHERE, THEY KEPT CHANGING NAMES AND SENT ME BOOKS FOR PAYMENT METHODS BY MONTH, THEN THIS QUIT AND ANOTHER COMPANY TOOK OVER, COULD N'T KEEP UP WITH ALL THE MANEUVERING AROUND WITH THE MONEY FOR THE LOAN, FINALLY THESE CLOWNS NAVIENT APPEARED INTO THE ACT, NOT TO HAPPY WITH THEIR PERFORMANCE EITHER. PLEASE GET ME OUT OF THIS LOAN AS IT MEANS NOTHING TO ME ANYMORE WITH THE DEGREE XXXX CHOSE, THE XXXX NEVER HONORED WHAT THEY TOLD ME AT THE BEGINNING AS PLACEMENT AFTER GRADUATION.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Other financial service (Foreign currency exchange) with BARCLAYS BANK DELAWARE (FL).
Issue: Fraud or scam

Complaint: I recently recieved an email from a XXXX XXXX XXXX claiming I was due back money and that I needed to send my personal information to the paying bank which was Barclay bank and show a passport however I do n't travel and I do n't own a passport I believe this is a scam I never heard heard of the person who was saying I sent them this person goes by a XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Our current loan adjusted up to 4 % XXXX XXXX, 2016, with our lender of XXXX years Bank of America. We are in good standing and have exceptional credit ratings. We contacted Bank of America to refinance our loan to a lower rate and locked in at 3.75 %. We were required to pay {$470.00} for the property appraisal up front, then were declined in part by their own flawed appraisal. XXXX is estimating a XXXX increase in value over the Bank of America appraisal of XXXX, that is still XXXX in equity using the Bank of America appraisal. One borrower did returned to XXXX XXXX and then XXXX program. The three years following college was out of the workforce caring for a parent. Work history prior to college was not utilized or credited. Our loan officer stated that since we were Bank of America customers this refinance could be fast tracked, which has not been the case. The difference in our XXXX loans is {$520.00} a month savings. 
Below is the text from the decline letter Please read finding from XXXX on your loan. 

48 hour cancellation notice XXXX, So we had to request an exception for XXXX re-entering the work force, XXXX just got back to us and they are not approving the exception DECLINE REASONS : 1 ) Value is not supported in appraisal report ; comps XXXX & XXXX do not appear to be suitable comps as they are townhouses ; not single level flats ; comp XXXX is from subject property and sold for significantly less than subject value with significant, unacceptable adjustments. Appraisal was elevated for additional review and supported the decision for a decline. 
2 ) Stability and probably of continued employment is not documented in the file. XXXX does understand that borrower was caring for a parent for three years, however, due to long gap and lack of previous employment history, unable to document stability and continuance of employment which is needed to qualify for mortgage. 
3 ) XXXX does recognize that borrowers have owned home for XXXX years with a savings of {$280.00} per month, OnUs refinance, however, there are no compelling compensating factors to offset the risk of the exception

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 08/19/2016 about Mortgage (Conventional fixed mortgage) with GUARANTEED RATE INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Guaranteed Rate services my home mortgage. I have attempted for over 4 months to process a PMI removal for my home. I completed an application for PMI removal, and made payment on XXXX XXXX for the appraisal. I have followed up via phone 4 times afterwards to inquire about the status of my appraisal and had multiple issues. The first issue was stated that the payment I made was applied to my loan principle. After weeks of calling, that was reversed on XX/XX/2716. I also mailed another paper check explicitly for the loan appraisal as a backup source of funds. That check was received and processed on XXXX/XXXX/16. I was told over the last two weeks that my appraisal was imminent and that I would be receiving a call from the appraiser shortly. I called again today XXXX/XXXX/16 and was informed that there is no update on the status of this request.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I noticed an account from Procollect on my credit report on XXXX/XXXX/XXXX I have never received any communication from this company regarding this account. I contacted this company on XXXX/XXXX/XXXX and was advised of 2 accounts in their office I was told I could n't pay one without paying the other. 

This account should be removed from my credit reports immediately

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 10-12-2015 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (MD).
Issue: Application, originator, mortgage broker

Complaint: On or about XXXX XXXX, 2015, I received an email regarding refinance of a mortgage. I provided contact information. The first company to call was from XXXX, CA. Since I had gone to a master 's degree program for a year in XXXX, CA, I had a nice conversation with the caller from Loan Depot. The XXXX company to call was Quicken. I was aware that Quicken advertised themselves as being Highest in Customer Satisfaction by XXXX XXXX XXXX. I received an email from XXXX XXXX of Quicken on XXXX XXXX, 2015 saying he would be my Home Loan Expert. I sent XXXX XXXX an email on XXXX XXXX, 2015 saying that I needed immediate answers by XXXX the next day. XXXX XXXX called and offered my nothing more, except absolutely outstanding service. I went with Quicken on this promise. From the start, virtually all of the communications from Quicken went into my Spam folder. I did not have this problem at any other time and it was a distraction. Throughout the process, XXXX XXXX and XXXX XXXX XXXX, my Client Care Specialist, were out of the office infrequently. XXXX XXXX had XXXX people contacting me in her absence. A major problem with Quicken was their inability to obtain documentation from my condominium company on my development being an over XXXX community. Two or three times, Quicken asked me for contact information on the condominium company. I gave them the link on each occasion. After quite a while, Quicken then changed their request asking me if I had a copy of the bylaws. They asked me if I had the documents and asked me to obtain them from the condo company. Let me state at this time that I chose Quicken because of the personal commitment of XXXX XXXX to provide outstanding service. I purchased my condo about 4 years ago on a 30-year mortgage. I am XXXX years old. I decided it would be good to pay off as much of the condo as i could before i passed. This would make it easier for my wife. XXXX XXXX had people substituting for him and XXXX XXXX had person filling in for her. It made for an unsatisfactory situation. I provided all the information requested on an immediate basis. At the time I opted out of my loan, the bylaws issue was not being acted upon. Quicken asked for a deposit of {$500.00}. They returned {$120.00}. I would like to have my {$370.00} returned because of poor performance. I certainly did not need to have my credit checked ( which they did not include as a requirement ) or to have an appraisal. Quicken does not require a deposit today. Thank you. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX - Received an alert from TransUnion via XXXX that XXXX XXXX XXXX XXXX had requested credit inquiry. 

XX/XX/XXXX - I contacted XXXX XXXX XXXX and informed them this was not 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 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TransUnion is reporting my XXXX student loans incorrectly to the credit bureaus. In XXXX I consolidated my loans and all are current and not past due. I am currently trying to refinance my home and noticed my loans were still being reported past due, opened, and with balances. I disputed this with the XXXX major bureaus ( including TransUnion ) and it was corrected and updated. On XXXX/XXXX/16 I reviewed my credit report and noticed TransUnion had re-reported XXXX of my student loans as OPENED, PAST DUE, and with large balances. I can not begin to tell you the damage this has done to my credit score as well as my debt to income. I was denied my refinance loan as a result. On top of all this, TransUnion has reported my new consolidated loan for {$10000.00} on top of leaving the other loans opened with balances and past due. Now it appears I have XXXX opened loans and I should only have XXXX. I am requested the other XXXX loans be closed, with a zero balance, and removed from my credit report IMMEDIATELY.

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 12-09-2015 about Bank account or service (Other bank product/service) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Account opening, closing, or management

Complaint: I received a text message from what appears to be an HSBC address saying that suspicious activity has been detected on my account, and to verify my account details to prevent suspension of my account. This seemed fishy XXXX, so I called HSBC directly since their website does not allow me to log in unless I have an active account, which to my knowledge I do not. The phone system HSBC employs will also not allow callers to speak with a representative unless they either have an active account or lie about the nature of their call. In my case after a half-hour spent trying to navigate through their many menus and failing to get a live operator, I pressed the key sequence to tell them I was interested in opening up a new account, which produced ( surprise, surprise ) a live operator waiting to take my money. After explaining the situation to this operator, they told me this was a fraudulent text, but could otherwise not assist me to make sure that there was no other fraud happening in connection to my identity or former account information. 

While I completely understand HSBC has no controls over scammers using their name in their attempts to commit fraud, the fact that HSBC makes it not only difficult but nigh-on impossible to speak with a live human being goes beyond the pale, especially since they are active targets of fraud attempts. As a past customer of theirs whose vital details are in their system, I find it extremely alarming that they care not one whit for customer relations unless you are handing them money on an active basis. After all, I have no control over or knowledge of their IT infrastructure and they clearly have little to none either.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Checking or savings account (Checking account) with TCF NATIONAL BANK (IL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Please overturn all bills said to be owed to XXXX. TCF Floated me money in the phone transactions, that is they made it seem like I had much money in the account due to some kind of ledger issue leading to purchases I would not have made otherwise. Please make my accounts positive as it was an accounting error by TCF. They make accounts appear positive when checking the ledger balance over the phone I was also owed XXXX and XXXX for past bank promotions which would have avoided all negative transactions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: To whom it may concern, I have been trying to set up automatic payments with XXXX  Heartland for two months now. I have been reliable on my payments now for nearly two years but when they switched to  a new website they keep " losing '' my information. I tried to set up automatic payments in XX/XX/XXXX and I received an email confirmation stating the following. 

Below is confirmation that your recurring payment has been scheduled/edited. Transaction Date : XX/XX/2017 Heartland ID : XXXX Organization Name : XXXX XXXX XXXX XXXX XXXX Product : Student Loans & Receivables Routing/ABA Number : XXXX Account Number : XXXX Account Type : C Total Scheduled Payment Amount : {$830.00} Scheduled Payment Date : XXXX of Every Month ( Starting on XXXX ) However, I recently received a letter from the company stating that I was 45 days late on my payments. I contacted customer service and they gave me the run around and said my XX/XX/XXXX information " did not save '' and offered me the option of a one time payment, which by the way comes with fees of up to 3.95 % of the loan balance. Why did they send me a confirmation email if my payment " did not save ''? 

I am getting nowhere with this company and I am not going to pay fees that are a result of their negligence not mine. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My parents house has been called constantly from XXXX XXXX for collection of my credit card bills. I am not registered at their home address, nor do I live there and I do not share a phone # with them. My mom does not speak english as a first language but has told them, I do not live there and stop calling. She is STILL receiving repeated calls from XXXX XXXX to collect my debt. I need this to stop now. I have more than one account. I hope they can apply to all my credit cards through this bank. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2016 about Consumer Loan (Installment loan) with ROC Asset Solutions, LLC (OK).
Issue: Problems when you are unable to pay

Complaint: The collectors used XXXX phone numbers. XXXX and XXXX. They call myself, my brother, wife, sister n law and mother. They left messages to have me call with a case number and threatened legal action. My sister n law answered and they said they were attorneys and gave her a case number and said I put her down as reference. When she told them to quit calling her they said they could not until the loan was paid. This is just plain harassment and a violation of my rights by telling information. The person who left a message for me said company was ATI.

Company response to consumer: Untimely response
Consumer complaint received 10/13/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Application, originator, mortgage broker

Complaint: Wells Fargo did XXXX unauthorized credit inquiries of our credit reports. We have emailed and called to have this corrected and they have not corrected the problem. The employees involved are XXXX XXXX, XXXX XXXX and 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 07/13/2015 about Credit reporting () with EQUIFAX, INC. (VT).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Agency to report Equifax- the problem is not with the statement but with the process they have for the investigation. It is persecutory of the disputee. 

I have had regular of problems with Equifax Credit Report Bureau. They consistently have the wrong information & I have opened several disputes. Initially my mortgage account was listed as closed in my report summary although it showed payments were made. I initiated a dispute and it has led to a yoyo affect on my score. I believe it negatively impacted my ability to get a 'low score no problem ' personal loan. 

My main concern is with the inconsistency of my score. I found out today that when you open a dispute that item is removed from the calculation of your score, so while in the 30day 'investigation ' period your score can be negatively impacted. My score went from a XXXX something to a XXXX something XXXX when my score was in the XXXX 's I applied for a loan & made inquires about refi loans - the score plummeted in the middle of this applications & inquiries XXXX & back to a XXXX something in a month. I believe once my initial dispute was resolved I noticed that my address information on my mortgage account was incorrect, so I opened another dispute which brought my score back down again. 

This is not a fair business practice. One would think that they would maintain consistency with their product ..the 'score ' and make changes to after they have found & corrected the problems. 

Thoughts : Is it fair to be punished for asking that your information be reported correctly? 
Identity theft is a major concern, what about identity assault & battery by a credit bureau? XXXX 
It is an impossible trap. 

I told the credit score analyst that this is not a fair practice, that I think I will report it to the FTC, so knowing them they will change their tune & say that it was never their practice to remove the item from calculation while investigating ( It is like it is done for logistical administrative purposes to keep people from disputing incorrect information ). I have not been able to find my XXXX/XXXX/2015 score of XXXX on the Equifax site, since I sent it in a letter to the dispute department of my bank. 

Pardon my ranting but I feel that I am at the mercy of a large organization. I am at fault for my late payments, but I am at fault for their ineptitude? 

Please help me!! 


Who watches the watchers.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Payday loan () with CURO Intermediate Holdings (IL).
Issue: Applied for loan/did not receive money

Complaint: Speedcash is still trying to get more money from me and I paid them all of there money. I do n't know what to do do they will leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Wakefield and Associates of XXXX Tennessee has a couple of medical debts that they say I owe and they have added money to the original amount billed by the doctor, I have contacted them but they will not change the amount.

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 09/22/2016 about Debt collection (Credit card) with CITIBANK, N.A. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: FCRA & FDCPA Violations : 1. Requested proper validation of debt. Creditor provided a copy of an account statement and a computer-generated letter re-stating the same information on the original Demand Letter 2. Creditor is reporting a time-barred debt to XXXX major CRAs AFTER the Statute of Limitations for Credit Card Debt has expired in IL. Last pmt on acct is XX/XX/XXXX or earlier. Creditor started reporting to CRAs on XX/XX/XXXX 3. Creditor has illegally re-aged this account. Creditor is reporting 1st Major Delinquency date as XX/XX/XXXX when the last pmt on acct is XX/XX/XXXX or earlier 4. Creditor is reporting an incorrect Open Date of XX/XX/XXXX. Disputed with CRAs and creditor reported as verified 5. XXXX is reporting that Reported Since and Last Reported Dates as XX/XX/XXXX. Creditor began reporting this acct on XX/XX/XXXX but verified this date with 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 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that all inquiries please be removed.

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