milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with WAKEFIELD & ASSOCIATES, INC. (TX).
Issue: Unexpected or other fees

Complaint: I am XXXX XXXX and XXXX XXXX went to debt relief company as help. To better my credit score if I payed up front fee and I payed with debt card at time. Did n't know it was a scam. 
Charging Illegal Fees and Deceiving Consumers

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 11/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was a student at XXXX University in XXXX, Illinois. The time that iI received financial assistance the company was XXXX XXXX the company was more than willing to discuss forbearance options - continuously off setting my loan. This was a very vulnerable part of my life. For years I was advised that forbearance was my best option, as opposed to a repayment plan. A couple years ago I brought up different pay options. Was placed in IDR- now in a standard. My total monthly payment is {$200.00}. I was under the impression - that I was paying a 6.875 interest rate- {$100.00} is applied to interest {$100.00} is principal - however on my credit report {$74.00} is applied to the balance - something does not add up. I am being ripped off - Navient is the worst

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Credit card protection / Debt protection

Complaint: In XXXX 2016 our Citibank credit card number was stolen while vacationing in California. On XXXX XXXX, during online bill payment I discovered approximately {$2000.00} in fraudulent charges on my credit card account. That day I contacted Citibank and had them issue a new card number and reported all the fraudulent charges verbally by the date and location as the appeared on my statement. I was told XXXX to ten days and the charges would be removed. Since the initial contact with Citibank on XXXX XXXX, I have now called and spoken with representatives seven times - each time being asked to state all the fraudulent charges. As of late, today on XXXX XXXX I have called them the seventh time and went through the same drill. I 'm beginning to think they are telling me what I want to hear and ultimately these charges will not be removed, which of course will force me into legal action against Citibank. Anything you can do in this matter would be greatly appreciated. I should mention that XXXX of XXXX of the fraudulent charges were credited to my account due to my own initiative. My statement contained the vendors phone number which I was able to call in order to have my account credited.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On my credit wise scores it does n't list none of my oldest loans from my bank nor any of my bank loans. I have never even been late on my payments. I believe that if reported that would greatly increase my credit score, thus saving me greatly on loan interest and insurance rates .I would deeply appreciate your looking into this for me. THANK YOU 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 01/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have submitted a dispute to TransUnion regarding duplicate accounts on my credit report. 
XXXX is listed on my credit report twice. Please advise why the same information is on my account twice and lists the same information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Problems caused by my funds being low

Complaint: I have an case on finacial production case XXXX and now us bank charge me overdraft fee {$39.00} for being overdrawn because of XXXX being unauthorized and now this bank will refund me. I have alerts on my checking account and this time my account was overdrawness on XX/XX/2017 and my alerts notify me on XXXX and because I made a deposit on XXXX on XXXX was charge XXXX. And they now telling me email alerts going out 24 hours and I should set up the alerts by text message this is wrong.

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 12/15/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX is claiming owner ship of my morgage. 
my morgage in the XXXX district court is owned by XXXX XXXX. 
Even though I have never received a transfer notice as required by law frim XXXX XXXX. 
please find with this complaint copies from the XXXX district court snt to me by XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (PA).
Issue: Application, originator, mortgage broker

Complaint: I recently received an unsolicited letter from Quicken Loans notifying me that I was " prequalified '' for a {$99000.00} 15-year loan to refinance my current mortgage ( actually a HELOC ) at a rate of 3.125 %. I called Quicken and asked how it was determined that I was prequalified, and the representative I spoke to said she did not know. When I gave her preliminary financial information, she said I was not eligible for that " product '' but was a good candidate for a 30-year loan at a rate over 4 %. I agreed to apply and authorized a {$100.00} charge on my credit card for a deposit on an appraisal. As I hacked my way through the insanely detailed application process, Quicken updated me, demanding ever-increasing documentation and telling me that I would have to close out my credit card accounts in order to bring my debt-to-income ratio to acceptable levels. Declining to cancel my XXXX credit cards, on XXXX XXXX I withdrew the mortgage application. When a local appraiser engaged by Quicken called me to schedule an appraisal, I informed him that I had withdrawn the application. However, Quicken charged my credit card {$390.00} for the appraisal. A " customer relations '' person at Quicken told me, after I withdrew the application, that he would look into the appraisal charge. But I have not received a credit. It seems that, after doing a bait-and-switch marketing ploy, QL hounds people to apply for loans on less generous terms. It does not inform applicants that they must close out current debts to meet XXXX and XXXX standards, since that would defeat the whole purpose of refinancing. ( This may be beside the point, but my credit card debt is not large or suspicious. XXXX of the cards is at zero percent interest, so I have no incentive to pay it off ; the other I pay in full every month, as I have for 20 years. My quarrel here is probably not with Quicken but with XXXX and XXXX. ) Most important -- and this is a separate problem that 's flat-out illegal -- QL levies unauthorized charges for appraisals not performed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (NE).
Issue: Trouble during payment process

Complaint: This complaint is against XXXX XXXX XXXX. We have had a mortgage with this company for six ( 6 ) plus years and have had nothing but problems with them since day one. The first complaint is with the Insurance Claim Department. When the severe storm in 2014 hit our town, it nearly demolished our house. When we notified OCWEN about the damage they said we would have to send in an estimated total of the damage to them and our Insurance Company ( XXXX XXXX ). We had our contractor draw up a document showing the estimated damage and mailed it to OCWEN. After several weeks we called to see why we had not heard anything from them. OCWEN 's people said the original copy of the estimate had been misplace or lost and they asked us to send a duplicate copy. This happened over and over again and when we 'd call about this situation, the OCWEN person did n't speak or understand plain English so we got nowhere. We ended up sending the same paperwork to them 3 or 4 times. Then when they finally found the original estimate they contacted our Insurance Company and DEMANDED that the entire amount of the damage be sent directly to them. The Insurance Company felt so threatened by OCWEN, they mailed the entire check to them. Then OCWEN told us that they would only disperse 1/3 of the check to begin the project. This amount barely covered the amount of materials that were needed to get started on this project-not to mention paying the contractor or his helpers. We had to go through this mess of getting the money 1/3 at a time, sending in more paperwork over and over again, speaking to OCWEN 's people who did not speak or understand English. Then, three ( 3 ) years later we finally got our house finished. ( We had to borrow {$10000.00} for the final step because OCWEN would not release the last 1/3 until the house was finished. This was a very trying ordeal to go through and on top of that my wife was in the hospital when the storm happened and it was very hard on her. She was fighting an XXXX  XXXX XXXX which turned into XXXX. When she got released she was n't able to come back to her home because it was in shambles. She had to stay elsewhere until it was fixed up enough that her health would allow her to move back in. It was n't completely done by any means, but it was tolerable for her health. We feel like this could have been a speedier project of repairing or fixing our house and we should n't have to had endure all of the problems that we did.

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 06/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: On XXXX XXXX, 2016 I received a phone call on my cell phone from an unknown number. The woman said her name was XXXX XXXX and that she was representing XXXX. She said that she had mailed out documentation to me that I had a complaint pending out of XXXX County. Told me that her time was limited and that i had not responded to the documentation. She knew where I worked. Said that she was going to call the payroll department to take care of the debt. 

I called back. She informed me that the debt was from the bank I had been with several years ago. That I owed {$990.00} to them and that if I did not pay the debt, that I would no longer be allowed to hold a bank account for the next ten years. 

Red Flags should have been : 1. I banked with this bank out of XXXX County, not XXXX County 2. This bank actually issued me a check in that amount over 2 years ago, stating that it was for unnecessary fines. 
3. They never sent me paper work stating that the funds would be removed from my account. Any debt collector sends a statement to you to let you know that the funds will be taken out so that you make sure that funds are in the account. 

I questioned it, but honestly, at the time I was in a stressful point in my life and she was scaring me that my bank account would be shut down. She knew my social security number, where I worked, where I lived ... So I gave her my debit card number and set up 3 recurring payments. The first one came out on XXXX XXXX, 2016 for {$320.00}. The second was posted to my account on XXXX XXXX, 2016 for {$320.00}. 
This morning I got paid and was working on bills. I wanted to call this company to see if I could split this last payment in half between XXXX paychecks. i looked up the company online and WOW! There are scam alerts out for this company. XXXX XXXX name was even listed as having called another person. 
I looked at my bank account to see if it had been debited yet, and drove up to my bank to try to stop the payment. I explained everything to them and tried to put a stop payment on the debit. Just that quick, they had already put the transaction through. I cancelled my debit card and filed a dispute against them with my bank. They are not sure if this final payment will take or not since I cancelled the debit card associated with it. I have to check back again tomorrow. 

I am not a rich person but I am not a dumb person either. It concerns me that they have all of this information about me. I have seen a few Blog scam alerts online. People discussing it, having the same issues, saying they need to file a complaint. I 'm not sure that any of them have, so I wanted to make sure someone knew about this group.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Consumer Loan (Installment loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Managing the loan or lease

Complaint: GM Financial reflected fraudulently reflected 60 days late payments on customer car payment account. GM Financial received payment from XXXX Bank on XXXX XXXX with the wrong address as stated by XXXX Bank. GM Financial would not produce evidence that they did not receive car payments for XXXX XXXX and XXXX XXXX. XXXX bank stated that the XXXX XXXX and the XXXX XXXX car payments also had the wrong address on them. XXXX bank mailed out the car payments to GM Financial. GM Financial refused to provide me proof that they did n't receive the XXXX XXXX and XXXX XXXX car payment. I am requesting that GM Financial produce copies of these XXXX electronic checks and the date that they received payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Debt collection (Credit card debt) with Synovus Bank (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This account was closed last year. I sent a letter and money order to CEO, for account deletion. On XX/XX/XXXX I pulled my credit report and saw that I had a balance left with XXXX XXXX XXXX in the amount of {$160.00} which was what reflected on my credit report. On XX/XX/XXXX I contacted XXXX XXXX XXXX and spoke with XXXX whom informed me that any correspondence would need to go to the Office of Compliance at XXXX. XXXX XXXX, XXXX XXXX, TN with attention to the Office of the CEO. I wrote a three paged letter explaining the reasoning as to why I fell behind, and asked that if the account was paid in full according to what is being reported with the credit bureaus that the account be deleted from all three burueas. I also wrote directly on the money order number XXXX that in cashing this money order you consider this account paid in full and agree to remove the account from all three credit bureaus ( XXXX, XXXX, XXXX ). As of today XX/XX/XXXX I contacted First Progress as to the status of the agreement and was informed by XXXX and XXXX XXXX that my payment was accepted and processed on XX/XX/XXXX. However, the company did not remove the account and on XX/XX/XXXX at XXXX XXXX reported the account to my credit as negative, with a XXXX balance. I am requesting that the company comply with the agreement that was set forth in the letter and on the money order that they processed and delete the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I was currently enrolled in a program through the student aid institute where they charged me XXXX for the entrance fee and XXXX dollars a month to maintain. Student aid institute was shut down with no warning and now my loans say I owe XXXX dollars for two months. I want my money back and to get into a program and I cant get a response from anyone. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had an XXXX on XXXX 2014. While being transported to the hospital, I did inform them that I am a XXXX Veteran, whom has VA insurance and please bill them. After leaving the hospital I found out that they billed XXXX instead of the VA leaving me with the 20 % or around {$45000.00}. My responsibility.bi tracked down the hospital business manager and explain that and even asked them yto resubmit the bills to the VA for full payments, but they have not done anything about it. Causing me to get hit with so many medical bills that have ended up with collection company and have destroyed my credit score. What should I do? Please advise ASAP and thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (NY).
Issue: Trouble during payment process

Complaint: In XX/XX/2017, Chase called me and told me I was behind on my payments on my HELOC and the total owed was now {$450.00}. My regular monthly payment before that had been {$100.00} per month. So, I gave them my account information and allowed them to debit the amount specified even though I did n't think that was true.
<P/>
After that, I thought everything was fine and that I was all caught up with them. The next time, I met with my financial counselor, I saw my credit report and saw that my credit score had dropped over 100 pts! I then went to Chase and spoke to them in person about the issue. The representative said that they would fix the issue and that it was a mistake on their end.
<P/>
Today, I reviewed my report again, and saw that they had marked me late for over 30 days in XX/XX/XXXX, which is not accurate.
<P/>
Due to this, they have also increased my APR to 7 % and increased my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I found out that the home 's insurance premium had not been paid at the end of XXXX 2015 and it was coming due XXXX XXXX. My homeowners insurance agent called me and told me that the premium had NOT been paid and they were going to have to cancel coverage on the home. I IMMEDIATELY called Nationstar and they confirmed that there are escrow payments set aside to pay the homeowners insurance Nationstar promised to send payment right away and assured me that it was an oversight. I assumed that this was taken care of as Nationstar had assured me of. 
My agent called me in XXXX, 2015 and said I was NOT going to have any coverage on my home if it is n't paid soon. What to do? I again called Nationstar who promised that payment was on the way. What kind of lender let 's an insurance premium lapse on a home they 're holding a mortgage on? I called Nationstar again. In fact my agent and I had called a dozen over several weeks. They always assured me payment was coming, like they are playing a game or something. So, XXXX XXXX came and went and my insurance company, XXXX, had dropped my homeowners policy. XXXX had never received the insurance premium payment. So, I am currently without homeowners insurance on a loan that Nationstar is holding the loan for.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Mortgage (FHA mortgage) with TIAA, FSB (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it may concern : I have lived in New Jersey since XX/XX/XXXX, and I bought my home in XXXX in XX/XX/XXXX. I 've had so many wonderful times living here and I expect to create many more memories in the future -- -I love living here and have had no intentions to leave. Unfortunately, my mortgage lender ( Everhome ) does n't seem to have the same intentions as I do. Due to a few of hardships and Everhome 's lack of cooperation, I am now facing foreclosure on my property. 
My problems began oddly enough with the hardship of my rental property tenant. His lost job forced him to default on his rent payment. I tried to work with him to help get him back on his feet ( hoping this would be a short-term issue ), but unfortunately he was unable to get back to a point where I could collect rent from him. This put a heavy burden on me, and when he left I was now facing roof and other home repairs ( more of a financial burden ). If that was n't enough, I also needed to help my sister financially through a difficult time. I struggled to keep the mortgage current, but I eventually fell behind in XX/XX/XXXX. 
Once I fell behind, I reached out to Everhome to see if we could do something to solve this problem. I applied for a modification, but I was constantly chasing my tail trying to get documents submitted to them. The process took so long, and then they went ahead and denied my application. They claimed that I made too much money!!!! I guess I needed to be worse off to qualify? My hardships were real, and I ca n't just fork over the arrears to reinstate the loan after they delayed the modification process for so long and kept tacking on all of their ridiculous fees. Plus, they would n't accept any payments from me during this process to keep the arrears in check. I do well as a sourcing manager, but that should be a positive when evaluating for a modification, not a negative, since I 'm showing a strong ability now to avoid this happening again. 

Everhome is always sending correspondence offering help with this situation, yet they are not actually making much of an effort to solve this issue. There has to be another answer other than foreclosure. Everhome puts so much effort and manpower into harassing me with collection calls, yet no effort to find a solution for someone anxious to do business with them and according to their own analysis someone who is more than capable of making a mortgage payment. I 'm not looking for any handouts, just some common sense to solve a problem. I am ready to move forward and make good on this mortgage, I just need a little cooperation from them. I would be grateful for any assistance towards that end. Thank you for your time.

Company response to consumer: Closed with explanation