milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/24/2017 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (MI).
Issue: Application, originator, mortgage broker

Complaint: I started a refi with Loan Depot. I was given my final closing documents showing my portion to close was approximately {$400.00}. I then get a phone call 2 days prior to closing f stating hat the loan officer had made a mistake with the numbers and I would need over {$6000.00} to close. I asked the new individual that i was working with if he was certain that if I came up with the new amount if the loan would close. He advised me it would. I took a withdrawal on my XXXX for the monies needed. I received my final closing documents again. Less than 24 hours before the closing I was told that there had been a mistake with their figures on my debt ratio and they can not close the loan. I asked how did his happen as my debt had not changed at all since the approval. The loan officer advised me that an underwriter that is no longer with their company made the error and calculated overtime in. I have never had overtime nor did any documentation that I had given showed ANY overtime. I then asked the company to refund me my taxes and penalties that I incurred due to getting my monies to close and Loan Depot has refused. This is a fine example of fraudulent activity by their company. I want this fully investigated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I was granted a school loan and XXXX but was having difficulties finding a job related to my profession. I did n't have job stability and was barely able to keep up with everyday bills. I 'm at a stable financial position where I can now start paying back what was loaned

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I have received and continue to receive credit card accounts opened in my name without my authorization through Synchrony Bank. I have called Synchrony Bank a few times in the past to report the fraud yet continue to see new accounts opened up fraudulently with Synchrony.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Mortgage debt) with PENNYMAC LOAN SERVICES, LLC. (NH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Pennymac allegedly servicing the loan # XXXX has charged multiple fees for property inspection and have frequently appeared at my residence and more recently in 2017 changed the locks to my unit and may have removed items from my residence.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I had an open loan with credit acceptance. I filed Bankruptcy and I reaffirmed the car note so it would n't be included. They agreed and I paid the car payment every month on time. After the end of the loan I received the title. The company has failed to report the payment on my credit report and they have the status as included in Bankruptcy which was not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Mortgage (VA mortgage) with LoanCare, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I was in bankruptcy and I had it discharged so XXXX decided to go thru this company called XXXX XXXX so as on XXXX 2015 I had been givingthem {$1200.00} a month to remodify my mortgage loanWell somewhere along the line someone droppedThe ball so now my home was sold and now I haveAn eviction ... what can I do

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have paid off my Navient balance. 
However, it is showing on my credit report as late. I can verify with bank statements that balance is paid off at fall XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Yes Hard Inquiries have been addressed with the XXXX major Credit Reporting Companies however for reasons I am unable to understand or explain the Credit Reporting Companies fail to remove the Inquiries when they expire. XXXX XXXX XXXX made an inquiry on or about XXXX XXXX, XXXX, that resulted in a HARD INQUIRY which should have fallen off my Credit Report however it remains and continues to be reported. There are other Hard Inquiries that will be expiring soon and hopefully they will be removed without submitting a Complaint or further review of my Credit Report History.

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 09/29/2017 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently pulled my credit report and noticed a collection from XXXX XXXX XXXX with acct # XXXX. I have no knowledge of this account. I disputed this account with all 3 credit bureaus. This account is still on XXXX and XXXX. I do n't know what else to do, but this account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: I was forced to file for a loan modification due to a hardship brought about by a divorce. I made every payment up to when I was sent a letter stating what my new payment would be and the date that the next payment was due. My loan modification specialist said that I must make these three payments for that amount, on or before the date that they were due, or my modification would either be delayed or denied. I made the XXXX payments and was subsequently modified after the XXXX monthly trial payments. I checked my credit score in the months following and found that two XXXX day late payments showed up. I have since followed up many times with the bank, only to get conflicting answers. XXXX answer I received from the bank is that I should have paid another full payment before the trail payment that they wanted me to pay. My Attached documents show that I paid every payment up to XX/XX/XXXX. I received a letter from the Bank on XXXX XXXX, stating that I would now be entering into a new payment schedule, and that the next payment was due on XXXX XXXX. Another answer was that the lates resulted from the difference between my unmodified payment and the trial payment. I was never informed that I needed to keep paying my old amount or in other terms above what they asked me to pay during the trial period. Bottom line I paid what they told me to pay, when they wanted it to be paid. I would have had no issue paying more if they wanted more. Also the late payments on my credit report state they occurred during the trial period, if this was the case the bank would have delayed or not given me a loan modification, neither of those happened.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: In 2009, I had a property financed with Bank of America that went into foreclosure. Despite the fact that the property was surrendered back to the bank, they are still reporting to the credit bureaus that I owe them XXXX in relation to this mortgage. I have tried to dispute this balance with the credit bureaus, but Bank of America continues to tell them that I owe them $ XXXX, despite the surrender of the property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (AZ).
Issue: Using a debit or ATM card

Complaint: The banking system of the USA has failed us all. 
1 ) I use my Wells Fargo VISA card to purchase a new computer from XXXX. The funds ( {$1800.00} ) are taken from my account the same day ( XXXX/XXXX/16 ) along with another amount for a computer speaker system. I receive the speakers a few days later and the computer itself another few days later via XXXX. My funds are tied up in the system for approx. 5 days. The computer 's power supply fails a few days after receiving it. I return it to a XXXX XXXX store on Sunday XXXX XXXX 2016, they ( allegedly ) order a replacement advising me to pick it up on Saturday XX/XX/XXXX. it is not there on the date promised so I return on XX/XX/2016only to learn that the replacement was never ordered. I demand a refund and only after escalation do I receive a piece of paper claiming to be a credit issued to the Wells Fargo Visa card I used to purchase it. I have at this point not had access to my $ $ for 18 days and have no product. 
2 ) XXXX/XXXX/16 the alleged refund is not in my Wells Fargo account and after repeated requests for assistance ( my wife and I are both XXXX on a fixed income ) Wells Fargo refuses to honor a fraud claim against XXXX XXXX and continue to refuse to immediately credit my account in full per the card holder agreement, instead deciding to earn $ $ on my pending $ $ by not crediting my account. THIS IS LEGALIZED THEFT BY THE BANKING SYSTEM! 
3 ) Assuming that the alleged refund gets credited to my account tomorrow morning, which I do not believe will occur, I have been without $ $ $ in my Savings account for 19 days when it could have been earning me the pittance of interest that the system pays depositors. No one ... NO ONE ... is willing to satisfy a longtime customer. It should be a no brainer, honor the cardholder agreement and immediately credit my account pending the refund from the vendor. It is apparent that no one monitors Wells Fargo at the Federal Level. If I am WRONG then PROVE it to me by penalizing Wells Fargo for their indifference to a true need. The only reason the computer was purchased is because a similar unit was STOLEN from me on XXXX/XXXX/16 as part of a home burglary, where I have the perpetrator ON VIDEO and the POLICE ( who were given the video and name of the perpetrator ) will not make the effort to arrest him and his accomplices. If they wo n't do this, AND IF your organization ca n't help the common man then I HAVE TO ASK " What good ARE you? ".

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Consumer Loan (Installment loan) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Managing the loan or lease

Complaint: Capitol One XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Dear Sir/Maam, As a longtime customer, I would like to thank Capitol One for all the remarkable service they have given my family over the years. I hope to continue service with your company into the future for many years to come! 
However, it is my responsibility as a consumer to make you aware of the illegal practices of XXXX of your companies who use your services, namely Menards, of XXXX XXXX XXXX. To begin in XX/XX/XXXX I was having my home remodeled and needed supplies. 
I went to Menards to purchase supplies but they did not have them and said they would have to be ordered. I gave them my credit card and paid for everything including delivery. I told them I must have these supplies delivered by a specific date. After calling them, they called back and said they would not be able to get them there on time for delivery. I immediately canceled my order and told them to give me a refund. 
This was in XX/XX/XXXX. The next billing cycle I received a bill for all the merchandise I NEVER PURCHASED AND HAD REQUESTED RETURNED and called Capitol One, who promptly confirmed my information with Menards. Capitol One said Menards said they had credited the account but Menards never did. Again, I called Capitol One who confirmed that Menards had not credited the account and suggested I return to the store I had visited, which I did. I spoke to an assistant at the desk who said they would handle the return Naturally disappointed, I called Capitol One back. They attempted to make contact and show Menards who had done nothing to credit my account. A couple billing cycles and a couple turns with the Capitol One resolution department finally generated a partial credit on my account. However, I noticed that Capitol One, had sent me yet another bill now for almost XXXX dollars! 
I again contacted Capitol One, who called Menards to ask what was this new charge? No one knew. Finally after a half dozen visits to Menards and over 30 hours of wasted time, I was told that by the way, that was a restocking fee I was being charged for items never ordered, purchased or delivered, since I had already stopped the order before it began! 
Again, I went to Menards, expressed my dissatisfaction and was told well, if you want, we can give you a store credit but we can not refund your account. How can they issue a refund but not a total refund? I told them me financing a store credit was unacceptable and they had no authorization to charge any fees to my account for canceled, undelivered products, which they did not even have available, causing my immediate cancellation. 
In summary, Menards actions amount to nothing less than fraudulent, deceptive and unethical business practices and it should be rightfully and hastily rectified in the interest of honesty and fair trade. If I may be of further assistance please feel free to contact me at your convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was never past due and the credit companies are stating I was, I have proof

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My Ch. XXXX bankruptcy was supposed to be removed XX/XX/XXXX. In fact, both credit agencies ; Transunion, XXXX, and XXXX confirm my discharge date of XX/XX/XXXX and wrote stating this should be removed from my credit report XX/XX/XXXX yet neither have removed it. I 've also written your agency about this without to date remedy. I 'm unclear why this has n't been corrected by you. Again, I 'm attaching documentation as such and would very much like my full report reviewed and prompt action against Transunion and XXXX and XXXX. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I recently had my chapter XXXX Bankruptcy discharged. Most of my collections accounts dropped off completely from my XXXX report. However, with Equifax, they kept collections account information on my report and are reporting this as " open '', when in fact these three accounts were included in my Bankruptcy.. ( XXXX XXXX, XXXX XXXX ). 
Equifax has also allowed two of the creditors that were listed in my Bankruptcy and ( might I add these accounts were fully discharged ), to re-report the SAME information, causing my credit score to drop 43 points!! Equifax has no option on their websites dispute page to dispute the credit score. The creditors that were allowed to re-report the same information were XXXX XXXX/XXXX, this particular account was paid in full PRIOR to the Bankruptcy and no balance due, I only had to report it since I had an open account as well as other accounts with XXXX that did have a balance. The other account was with XXXX XXXX XXXX, according to Equifax, both of these companies re-reported that I had included them in my Bankruptcy that was discharged on XX/XX/2017. This information is totally inaccurate as this has already been reported at the time of my discharge and should not have had any bearing on my credit score since it had already taken a hit.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Debt collection (I do not know) with National Commercial Services, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: continuing harassing phone calls from this company, National Commercial Services, a specialized Subrogation & Commercial Collection Agency located in the XXXX XXXX XXXX in California. 
Continually call and leave no messages on my cell phone. 
Phone number they call from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: try open an account and they rejected dont get me any details

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 11-07-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: OnXX/XX/XXXX, I noticed my account had no money left. I did n't understand why as there was over XXXX XXXX dollars the day before. I reviewed the activity and noticed several charges I never made. I called the bank, they refunded the money of the disputed charges, but yesterday, it happened again. Even though the debit card used to make these charges was cancelled. The bank has let these charges go through twice, and has never called me either time. The card is cancelled, and they still allow the charges to go through. They are not helping me, and I need help. I have no money because of this, I ca n't pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Transunion fails to indemify identity theft accounts by placing a block on those accounts in accordance to the XXXX section 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 explanation
Consumer complaint received 08/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: APR or interest rate

Complaint: back in XXXX 2016 was the last payment I made because of financial difficulties I started paying {$60.00} in XXXX and XXXX and they say that 's not enough. I 'm trying my best I live in a mobile home that the floors are caving in and am trying to get a new used one. Well because of them letting the whole world know that I was behind on my payments which I think is completely wrong it is keeping my scores down.This is the first time I have done anything like this. They wont even lower the interest. I am XXXX and cant do anymore than I can, i do n't want to be living on the ground

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (MD).
Issue: Managing the loan or lease

Complaint: Wells Fargo has apparently been charging us " late '' fees that are actually " early '' fees because we are paying too early. We set up auto pay to be synced to my wife 's pay cycle, but Well 's Fargo decided this was too early in the month so just started racking up {$35.00} fees without any correspondence or notification of an issue. Is this legal? We have many consumer credit accounts and no one has ever penalized us for paying too early.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Checking or savings account (Savings account) with BARCLAYS BANK DELAWARE (AZ).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Since Monday  XXXX   XXXX ,  2017 ,  Barclays is not provided internet ( PC ) access to our online savings accounts. We have had 3 phone calls with Barclays customer service. Each time, the Barclays representative says that a trouble ticket has been entered and that someone would address the issue, and contact us. During the last call, we told Barclays that we would file a complaint with CFPB if they did  not address the issue. As of  XXXX   XXXX ,  2017 , we have received no contact ( phone or email ) from Barclays and we remain locked out of our accounts.

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