milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/24/2015 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: We have an FHA 1-Year Adjustable Rate mortgage with SunTrust Mortgage as a result of a refinance in XXXX. Beginning in or about XXXX XXXX, Suntrust did not properly apply our monthly mortgage payments. In addition, we ceased receiving our annual interest rate adjustment notification, and monthly mortgage statement. At that point, we had no idea of our monthly mortgage payment. We attempted several times to make monthly mortgage payments, based on our previously known amount, and they were returned. We notified Suntrust Mortgage repeatedly of the error, and attempted to resolve the issue to no use. Suntrust is pursuing a foreclosure on our home, scheduled for XXXX XXXX, XXXX, at the same time our loan modification is being processed. On XXXX XXXX, XXXX, we forwarded our loan modification package to their offices via USPS Priority Mail. The package was received on XXXX XXXX, XXXX. Shortly thereafter, Suntrust requested additional documentation which we provided. The additional documentation was sent via XXXX on XXXX/XXXX/XXXX, and received in their offices on XXXX/XXXX/XXXX. We made a follow-up call on XXXX/XXXX/XXXX to Suntrust to check the status. We were told that the documentation was not showing in the system, and we informed them of the delivery. The same documentation, including the XXXX proof of delivery on XXXX/XXXX/XXXX, was emailed directly to the representative ( XXXX XXXX XXXX ) on XXXX/XXXX/XXXX. Subsequently, in addition to SunTrust Mortgage pursuing a foreclosure on our home at the same time, they continue to mysteriously misplace documents vital to our package. We have complied fully with their requests for additional documentation, but it always seems to get lost. The last occurrence happened today XXXX/XXXX/XXXX. Since the forwarding of the last requested document on XXXX/XXXX/XXXX, we received no communication from SunTrust as indicated. We made a follow-up call on today ( XXXX/XXXX/XXXX ) to XXXX XXXX XXXX. He was not available, and we were transferred to another representative ( XXXX XXXX ). It was discovered that the last document was also not entered into their system. Copies of the previous emails to XXXX XXXX XXXX were forwarded to XXXX XXXX. She indicated that the XXXX XXXX, XXXX foreclosure sale was still scheduled, and the matter would have to be escalated. We were told the supervisor was not available, and she would call us back by tomorrow. We have complied with all of Suntrust 's requests in this matter. In our opinion, we also have the income to support remaining in our home. Yet, vital documents continue to be lost while Suntrust Mortgage continues with a foreclosure without any regard for documents forwarded, processing, and the overall review process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: THE FOLLOWING INQUIRIES ARE ALL A RESULT OF FRAUD XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX MORTGAGE XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX DEPARTMENT XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX AUTO FINANCE XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX A PLUS XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX LENDER XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX RENT GROW 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 04-11-2016 about Mortgage (VA mortgage) with LoanCare, LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Loancare LLC states I missed a payment, did not pay correct amount, charges late payment fees every months, when I have banking documentation clearly showing I have paid on time every month. I contacted them when I received credit bureau report that I was two months delinquent on mortgage. They never once contacted me to discuss. Each phone call with them they tell me a different story, and continue to charge late fees, even after I have sent them documentation three times showing payments on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I obtained my federal student loans in order to attend XXXX XXXX ( graduating in XXXX ), and I subsequently refinanced them with XXXX. XXXX subsequently sold the loans to XXXX XXXX, who then sold them to Navient. XXXX had a principal payment option electronically available on their web site when they had my notes. Navient has no process to make principal only payments, and refuses to recognize my requests to make them, even though my accounts are on auto payment and in good standing. It seems that if you would like to avoid their archaic repayment system that appears designed to ring every possible cent of profit out of a note, you have to save your extra payments until you have enough in the coffee can to pay them in full. So while the documentation I signed say there is no prepayment penalty, Navient effectively adds one by refusing all pre-payments until the loan is repaid in full at that moment. And they pass this off by saying that it 's the Department of Education 's fault, because they decide the repayment terms. I 'm certain, however, that the Department of Education has not precluded Navient and other firms from accepting principal only payments from customers in good standing unless it comes in a full payoff. The effect of Navient 's position is illogical on its face, and absurd in its impact. This is clearly a profit motive on the part of Navient to deny principal only payments, and I believe they should be held to account. My Navient account number is XXXX, and I am willing to provide statements as required to support my claims. My most recent discussion with Navient took place on a chat board on their site on XXXX/XXXX/XXXX, beginning at XXXX XXXX. This is what that discussion looked like : XXXX XXXX XXXX XXXX I do apologize, all payments are applied to the interest first and then once interest has been satisfied, payments will be applied to principal. XXXX XXXX XXXXXXXX XXXX I 'm sorry, that 's not my request. I want to make a principle only payment. XXXXXXXX XXXX I would like to know how to do that. XXXX XXXX XXXX XXXX I do apologize, that is not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Mortgage (Conventional fixed mortgage) with MB FINANCIAL, INC. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: mb financial reported 2 times 30 day lates on my credit report for the months when I was NOT late, had an auto pay and overpaid where they had to send me a refund in XX/XX/XXXX for the overpayment. but yet they are refusing to remove the 30 day lates reported for XX/XX/2015 and XX/XX/2015 which were NOT my fault but a failure on MB financial end to property set up my auto deduction and process payments, applying them to the correct account instead of sending me a refund for overpayment. see letters received and my responce to them attached

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: This complaint is being submitted on behalf of the borrower 's advocate. 

Borrower defaulted on her mortgage payment on XXXX 2017. She requested an application for mortgage assistance in XXXX 2017. Servicer agreed to send her the application, but she still has n't received it. She has been calling them for an update and is on hold for over 20 minutes or the calls are disconnected.

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 04/20/2018 about Debt collection (Other debt) with ERC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I disputed this, I have no knowledge of this account. I requested supporting documents, however I only received company charges. No contract or agreement, nothing signed, no handwritten information 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 04-05-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX, I made purchases in XXXX with funds from my account. These transactions were reflected on my account immediately. The next day my car payment was taken out, I was overdrafted, and the transactions were reposted to my account the next day as new charges. Instead of XXXX overdraft fee, I received XXXX overdraft fees on purchases as little as {$5.00}. Wells Fargo reversed the order of charges to charge as many overdraft fees as possible. I spoke with a representative to no avail.

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 01/25/2016 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: We cancelled our homeowners insurance in XXXX 2015 with one company and selected a new company. Our mortgage company sent a check for payment to the one that we cancelled and that money has not been returned to our account even though that is not our current insurance company. They claim that they are investigating where the money went or where the check went, we have called numerous times and nothing is being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I check my credit report and found that it have wrong information on there, so I contact equifax to let them open a dispute and told them this debt is not mines.They did the dispute, and inform me that they can not remove the debt from my report, because the company that put it on my report send them proof the debt is mine.I said to equifax to please provide me with your proof, equifax send me a document that did not have my name on there, I ask for a next dispute, after 4 dispute I ask for a supervisor, I told the supervisor of equifax the debt is not mine and I have been trying to get the company who is XXXX XXXX who put this false information on my credit report to send me some kind of proof that the debt is mine, the person at XXXX XXXX continue to give me the run around, I call left messages for day no call back, then this lady call back and said she will send me proof by email, I give her my email address, and I ask how long before I get back the info she said seven day, I said are you mailing it she said no it 's coming by email.I waited for 8 day no email just run around I reach out to her again same thing happen.I call back equifax and told them the problem they said they can not help me its up to XXXX.I said to the supporvisor you will allow a company to keep false information on my report and you did not see proof it 's my debt? Equifax said they ca n't help me, I would have to continue to reach out to XXXX. Equifax and XXXX have handle this station very poor in my book.Equifax allow XXXX to put fraudulent information on my credit report.The supporvisor said it nothing they can do to help me everything is up to XXXX.That is not fair at all and something needs to be done these big companies give the run around so you give up, not good on equifax and XXXX.I will up load information they send me that do n't have my name.Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/25/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX has turned over an account to collections that I resolved. I moved, and they did not have service in the area I moved to so I cancelled my service, and dropped my equipment off at their drop off box on XXXX XXXX. I do not owe the debt they have turned over.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (MI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I had a credit card through HSBC. I was paying on it, then I was taken off of work because of a XXXX in car accident. I had XXXX, then they found other injuries and medical problems. I have since tried to get back on my feet but still have problems. I have since tried to pay and in the last 2 months have paid well over {$100.00} toward this debt, receiving letters back from the collection agency thanking me for my payment.Copies of these letters are enclosed. 

I have continually asked for the summons I was served with to be dropped because it would ruin my credit and I had made honest attempts to pay. I was ignored. I have a lot of comprehension problems. Because of this, the company has my permission to also communicate with my parents with this debt. But I preferred to do all of this by writing so we can have the information in writing. 

The letters I have got thanking me for my payments have mentioned in the left corner " HSBC '' company, yet I am told they no longer have this account. 

I have been making several attempts to pay my debt.Again, I have been ignored and was now served with a judgement that has now ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MI).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: In XX/XX/XXXX I received an offer from American Express and Delta that if I obtained the gold delta skymiles credit card and use XXXX dollars in the first three months I would receive XXXX miles. I got the card on XX/XX/XXXX and started to use it. By XX/XX/XXXX I had completed the XXXX dollars. I called soon after as I had not gotten the miles and they explained that it would take 6-8 weeks. After 8 weeks I called and they said it was going to be 10 weeks ( the maximum in the contract I got with the credit card ). Last time I called was XXXX of XXXX ( 10 weeks after ) and they said the would open an investigation and to call delta. So I called delta and they said basically to talk to AMEX. It is now XXXX  XXXX and I have not yet been contacted or received the miles. I chatted with the people in AMEX and they said the investigation is open. 

I got this credit card because I'm traveling for my XXXX XXXX XXXX and needed the XXXX miles. My trip is in 3 week and now the tickets are extremely expensive and will leave me with little money. The company has breached contract and will offer no type of compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: There are 4 accounts on my credit report that i have never opened cor applied for credit with.

I contacted the companies ( chase, XXXX  XXXX & XXXX ) directly as well as XXXX  XXXX   amd XXXX. 

They have not removed this information from my report. I asked them for the documents and any copies that they have with my signiture and there was no answer. I want thia removed from my report these are fraudulent accounts that were opened.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Credit determination

Complaint: I moved to US in XX/XX/XXXX under XXXX. I have secured credit card with WF, XXXX branch, XXXX XXXX. I applied for unsecured Credit card in XX/XX/XXXX and received a letter to submit copy of my SSN, which I did promptly. XX/XX/XXXX I received communication from XXXX citing that my credit card has been rejected because I am not a US resident. No one told me this when I applied at the branch. they pulled my hard credit. There is no where mentioned on WF site that they dont issue credit cards to NON US residents. Its pure discrimination. i have credit cards and from other banks and departmental stores. I maintain healthy credit profile and have invested from my own resources in US in past one year. I dont have any problem on rejection from WF but the discriminatory attitude from the bank. Now i have closed my secured credit card account for XXXX USD with WF and they dont want to return my money for 60 days. i have no out standings in my account. I have written at the highest level but same replies.

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 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX XXXX has done a hard inquiry on my account. There was need for this inquiry. I have not applied nor do I have a mortgage. There should not have been any inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: I had a checking account with Bank of America for almost 5 years. In XXXX Bank of America changed the terms and conditions of the account and began charging a new monthly fee of {$12.00}. They never sought my agreement or that I had acknowledged or understood the changes they would make to my account. At the time of the change I received e-communications from the Bank. After review of all of the communications that I received by email at the time of the change, I do not see that any notice of the change of terms and conditions was emailed, nor an explanation of the new additional fee. I have called Bank of America to contest that these changes were made without my approval, consent, or notification. In total they have charged me a total of {$240.00} XXXX XXXX XXXX. They only agreed to take off a single {$12.00} fee. I attach the regular email notifications I received during the time when the change to the account took place. They show that there was no mention of changing fees or terms and conditions. It appears as though there were mail notices sent to an incorrect mailing address, however since I had signed up for e-communications this seems like an inadequate excuse for not properly informing the customer and they never sought acknowledgement on my end or agreement to new terms and conditions.

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 05-02-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have an inquiries on my report that I never applied for, I need this to be removed I already fill up an Identity Thief affidavit and send this to all XXXX credits bureaus.The company XXXX application was not done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Student loan (Private student loan) with Williams & Fudge, Inc (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I am reporting multiple incidents involving one of your employees. The most recent incident was X/XX/2017 around XXXX XXXX. XXXX XXXX is the person that has called me, my fianc, and my father numerous times, regarding a student loan. About a month ago, he was calling up to 6 or 7 times per day about balance of {$800.00} from XXXX XXXX College. I immediately contacted my father and we paid the debt from XXXX XXXX. Today, he called me again but this time he said it was regarding a {$50000.00} debt to the company he works for. I have always tried to offer any information I could and resolve the issue. I am paying my student debt in monthly payments so I had questions as to why I was receiving so many phone calls from XXXX XXXX and why he was so aggressive over the phone. When I asked for more information, XXXX XXXX said he " did n't know why the numbers were so high '' and that I could be imprisoned for not settling this debt right now. I continued to ask for more information since I was clearly taken back by this news. XXXX XXXX replied by telling me that if I did n't " resolve the issue '' before XXXX XXXX tonight with him that there would be consequences. I wanted to bring this issue to your attention since I 'm sure your company does not condone this kind of unprofessionalism. <P/>Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Consumer Loan (Vehicle loan) with Mid-Atlantic Finance Co., Inc. (AZ).
Issue: Taking out the loan or lease

Complaint: I bought a car at a buy here pay here location and they sold my contract to another Loans co Without myself permission I do not believe I have to pay a loan co that I did not borrow from so in turn I would like the derogatory loan removed from my credit and let out if the deal alltogeather or send me the title to the vehicle.

Company response to consumer: Closed with explanation