milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-04-2015 about Mortgage (Conventional fixed mortgage) with ROYAL UNITED MORTGAGE LLC (IN).
Issue: Application, originator, mortgage broker

Complaint: I decided to re-fi with Lending tree. I was called by Royal United Mortgage and started the loan process. They quoted 3.25 interest rate. They requested the usual info, 2 yrs taxes, XXXX 's, XXXX 's, bank statements and social security info. I took pic 's of all that with my phone and sent it to XXXX XXXX. Over the weeks I would talk to a XXXX also. He would request info I had already sent and I would have to send it again. I was told the appraisal would cost {$390.00}. So I paid it. Then I was told another {$130.00} because it 's a duplex. Paid that too. Then I received a email on some of the paper work and noticed my interest rate was now 3.50. When I called I was told it was n't locked in because they were waiting on the appraisal to come back. I was ready to cancel everything but XXXX XXXX called and gave me the 3.25. He failed to mention that would cost {$4500.00}. I was also told to expect my escrow from XXXX XXXX XXXX to be mailed to me as soon as they were paid off. That did n't happen. XXXX XXXX told me 2 weeks later that they notified Royal united they would deduct the escrow from my mortgage balance. Someone failed to tell me. Even the closer told me to watch for the check. I called XXXX XXXX right after closing and ask for a hard copy of the appraisal for my records. He promised to send it right away. That was 3 weeks ago. A few days after closing XXXX rec 'd a letter from Social security. It seems XXXX XXXX opened up a online account in my name. Why? XXXX XXXX said it was to verify my amount I rec 'd every month. PROOF. I had sent them XXXX items of proof. # 1, awards letter stating what I would be receiving for 2015. # 2 XXXX from S.S. # 3, bank statements # 4 taxes. What more proof was needed. He told XXXX XXXX I gave him permission. THAT DID N'T HAPPEN. I went with their mortgage co. in blind faith. I had never heard of them but they were tied with Lending tree who is well known. They took advantage of that. I am almost XXXX yrs old. I have never had such a nightmare with a mortgage company like Royal united. Now when I call there, they wo n't answer. That 's why I 'm taking this next step.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/15/2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (MO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a letter today threating to report to my credit. I am a victim of fraud I also have no account nor Contract with XXXX XXXX XXXX or their client XXXX XXXX. Therefore reporting to my credit wouldn't be accurate since this isn't my debt. I do not owe this

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: To whom it may concern : I am writing to correct/update my address. My current address is:XXXX XXXX XXXX XXXX , XXXX # XXXX, XXXX , CA XXXX also needed to correct/update my place of employment : XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX , in XXXX XXXX CA.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have never done business with CREDIT COLLECTION SERVICE # XXXX, I am unaware of any contracts or sign statement with this company. I have no business dealings with them.15 U.S. Code 1692g ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of XXXX Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for  purposes of this section. There is a issue never had any notice no paperwork as to the transfer of title of ownership, who is this third party collections agency. Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Had a storm loss on our home, received a check from Insurance carrier to us and bank. 
Bank is stating we have to endorse and send to them, hire a contractor, get proof of his insurance and have him sign a w-9 ( for each contractor ) than have bank send out inspectors before they will release $ .I want to do allot of the repair work myself, as I am skilled in construction. They said I can not!!???? I asked to speak with a manager, they would not let me, I had a XXXX send them a letter, they have ignored so far with no response to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Customer XXXX XXXX via Web XXXX/XXXX/XXXX XXXX XXXX I refinanced my home in XXXX XXXX, with my first mortgage payment due XXXX XXXX, XXXX. In XXXX I received notice that my mortgage was transferred to XXXX XXXX XXXX XXXX and would be serviced by LoanCare, XXXX. I tried to make an account, but could n't, and as it was nearing the time I would need to make my first payment, I called to find out what was going on. The lady told me that since the effective transfer date was XXXX XXXX, the info was n't in their system yet and that they would mail me all of the info when it was in their system. I asked how what to do about my first payment, and she said that I could pay it once they had things set up, that there were no penalties of any sort for being late after being transferred, so not to worry. I waited and waited for the info packet to arrive, and finally on XXXX XXXX I gave up and called again. It turned out they had just put it in their system ( and I finally received the info in the mail a couple of days later ) so the lady was able to help me get my account set up. I immediately went ahead and paid my XXXX and XXXX payments. I noticed there was a " one-time payment fee '' of {$10.00} automatically added and thought that was steep, but it would n't let me set up auto-draft yet as I was " behind '' so I just paid it. The next time I went to make a payment, I was deciding between a one-time payment and auto-draft and noticed that there was no fee this time. When I looked at everything closer, that is when I discovered that the " one-time payment fee '' of {$10.00} was only for when you were paying XXXX15 days late. So even though I called well before my payment was due and was assured there would be no penalty ( as there was really no way for me to pay yet ), and I paid BEFORE they even sent me the info to allow me to set up my account ( as I had gotten impatient and called again ) THEY STILL CHARGED ME A LATE FEE. I emailed them about the matter and received no response. I forgot about the situation until recently receiving a notice that my loan is again being transferred. I once again emailed them about the situation, and once again received no response.

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 02/13/2018 about Checking or savings account (Checking account) with Stenger & Stenger, P.C (GA).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: My name is XXXX XXXX My Account number XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed now Im trying to fix my credit

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 12/17/2015 about Mortgage (Home equity loan or line of credit) with E*TRADE BANK (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Etrade Bank agressively marketed HELOC in XXXX. I replied and eventually signed loan documents for a HELOC on my primary residence. The line of credit was {$350000.00}. All payments were made thru the Etrade website, which was XXXX of their marketing tactics since the HELOCs were targeted for current Etrade customers. I already had a brokerage account, a XXXX IRA, a XXXX IRA, and a banking account. They sold me due to the fact that I could make payments/monitor the account online ... .all in XXXX place, with my XXXX user name, log in password, etc. I had excellent credit and was receiving many offers at the time. I went with Etrade for the convenience and because I knew Etrade to be reputable, responsible and had a well designed website and method for making payments, transferring money, etc. XXXX then took over the processing of the HELOC ; I was still able to use the website with the one username, password, and see all accounts in XXXX play. I did n't have any problems for the almost 7 years of making monthly payments thru their website. In XXXX XXXX, things changes drastically. I continued to make my payments the same way I had for years ; eventually I saw that my payment to XXXX had been put back into my checking account. I thought.. '' Well, that is strange.. '' However, by the time this had happened I had already made the next month 's usual payment in the same way I had for almost 7 years. Then, I get a threatening phone call from a company saying they were a debt collection agency, that they were taking legal action against me. I called the XXXX customer service number for Etrade and explained what happened. I was then told that a company called " XXXX '' was now " in charge '' of my loan. I said, " What does that mean? My loan is with you. '' He agent replied, " I do n't really know..I do n't really do HELOCS '' I said, " Okay, can you connect me with someone who DOES " do '' HELOCS '' He said, " Mamn..there is n't anyone. You have to call XXXX. '' I said, " Did XXXX buy the loan portfolio or are they just a servicer? '' He said, " They bought it. Well ... maybe they did n't ... '' I said, " Etrade is a reputable company. I 'm sure there must be somone who has been designated to oversee the transition for the customers. '' He said, " There is n't ''. I then called the corporate office, explained my situation to the person hired to funnel calls and she came me the name and number for an employee who would " know what to do ''. After more than 2 weeks of speaking with this person, my problem with XXXX continues.

Company response to consumer: Closed
Consumer complaint received 06/14/2017 about Debt collection (Payday loan debt) with Worldwide Processing Group, LLC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On  XX/XX/XXXX  I received a voicemail from "  XXXX  '' at the number  XXXX . It was " regarding our location and tracing efforts for [ my name ] '' and " It is important that we speak with you in regards to their whereabouts. If we can not verify this information through you the law allows us to contact all references on file. If you are unable to provide any information please contact us regardless at  XXXX  ''. I called back and their greeting said " FMR '' I then spoke to "  XXXX  '' (? ) who had me confirm my name and last 4. They do have my full SSN and WA Driver 's Lic # which is frightening. He said I took out a {$370.00} payday loan through "   XXXX   XXXX   XXXX   '' ( never heard of them ) on  XX/XX/XXXX  with a bank account through   XXXX   XXXX   XXXX   as payback. I was in the middle of a bankruptcy at that time so could not have taken out any loans, and also I did not have a bank account with   XXXX   at that time. I also have never received anything in the mail about this supposed debt. I asked him to send me some documentation in the mail because the circumstances sounded suspicious. I have a right to receive debt validation under the FDCPA. He refused to agree to send me anything, got very abusive and would n't let me talk, and tried to bully me into paying right then and there. When I asked to speak with his manager, he refused and said he was putting me down as a refusal to pay. I tried to say if he would just send me documentation that the loan was legitimate then I could review it, but he basically said goodbye and hung up on me. I never once said that I was refusing to pay. I called back to try to get a different person and the same person answered and threatened to file harassment charges against me if I called back again, and hung up on me again.
I did some research into this " FMR '' and they are based in  XXXX , NY and their full name is " Forward Movement Recovery. '' They have many complaints and negative reviews on the BBB site, and many scam/fraud complaints on independent review sites as well. Also, according to this article,   XXXX   XXXX   XXXX   is not even licensed to do business in WA state where I have lived my entire life. http : //www.dfi.wa.gov/consumer/alerts/plain-green-loans-not-licensed-washington I will also be filing complaints with the Attorney Generals for WA and NY.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (VA).
Issue: Managing the loan or lease

Complaint: Original loan amount was XXXX, now I owe over XXXX, none of my payments go to the balance and I am now unable to pay at all after having a death in the family.  I don't want to have to claim bankruptcy over this one stupid decision.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Bank account or service (Checking account) with PNC Bank N.A. (CO).
Issue: Account opening, closing, or management

Complaint: In mid-XX/XX/2016, I called PNC, after XXXX years of banking with them, to close my checking account ( I had moved across country and chose to bank closer to home ). I was told that I had to have XXXX transactions for XXXX days in order for the account to be closed. This seemed odd, as XXXX, where I also had a checking account, closed my account within five minutes. I have also not been able to find this XXXX policy in any PNC account agreement. Though I was careful to transfer over all my auto-payments, I requested that PNC reject any payments that might accidentally slip through. However, a direct-deposit that I was not aware of from an old job entered the PNC account, nulling the time of no transactions and re-starting the XXXX day period. During this second period of waiting XXXX days to close my account, XXXX, despite the fact that I had linked my XXXX account to my new bank account, accessed my PNC account for an XXXX payment ( I was told by a XXXX agent that even though I had switched my account with XXXX and that I was choosing to pay with XXXX, I had to redirect my payment directly with XXXX. I 'm still not sure about this policy ), thus nulling once more this XXXX period and generating an overdraft fee. Since I had already requested of PNC to reject all payments, I did not check my PNC account until weeks later, after which a couple XXXX dollars of overdraft fees had been generated. After hours of discussing this issue with PNC agents, one finally agreed to refund fees, but only half. PNC is holding me accountable for over a XXXX dollars of fees that were generated after they refused to close my account when I requested, and to reject payments after they agreed to do so. I have called two separate agents directly in the Retail Escalations department, and neither have returned my phone messages for two weeks. My account is due to be sent to collections, all because PNC would not close my account upon my request. I am not responsible for these fees, and I simply want the account closed. I had a great relationship with PNC for over a decade, all of which has been nulled from this experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-03-2016 about Debt collection (Medical) with RSH & Associates, LLC (OK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: RSH & Associates is not showing date of last activity with the credit grantor. I know this is more than two years old because I have not had any medical issues within the last two year.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Citibank charged {$39.00} over-the-limit fee on my Citi Professional Card. The Credit Card Accountability Responsibility and Disclosure Act of 2009, card issuers can not charge this fee unless cardholders opt in to allow the issuer to approve transactions that push them over their credit limit. I had never opted in to allow Citi to approve transactions over my credit limit. I called Citi and they said it was part of the conditions in the terms and they have the permission. I then asked to opt out and asked them to decline any future transactions if there is no sufficient credit available. They said they do not have that option.

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 04/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I wanted to check my credit score, so I logged in XXXX, which I thought was the only company that issues credit score for the companies give credit or denied. My surprise when I found that XXXX could n't give me my score, so how XXXX was able to issue a XXXX for them, XXXX from XXXX and XXXX from TransUnion?? Thus, I went to TransUnion since it was the lowest one, I have to pay and I was surprised to know they do not use fico the use " XXXX credit scoring formula ''. So how fair is this?? is now Transunion using his own credit scoring and charging for it, so XXXX and XXXX? this is not only not fair but abusive with the consumers. What can we do? to stop these reporting credit companies to do whatever they want to score us?

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 11/18/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I opened a new Citi Checking account in XXXX 2016 with a promotion code to get {$400.00} bonus if I deposit {$15000.00} into the account and maintain it for 30 days. This was promotion code XXXX. 

As can be seen by the secure messages sent from representatives of Citi, I was qualified for the promotion and it was on my account. After waiting many weeks for replies, I was told that I was denied for the bonus. All qualifications for this account were met, and Citi is trying to deceive their customers by bait and switch.

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 07/26/2017 about Student loan (Federal student loan servicing) with United Student Aid (USA) Funds (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was ill for a couple years and had to leave school and was unable to work. I have been getting my loans deferred and I was told I had submitted all the proper paperwork and they were deferred and not to worry. Now they are all of a sudden on my credit and I ca n't get a loan for a car so I can work, I ca n't purchase a home. These people lying to me wrecked my life.They took thousands from my refund this year and nobody told me anything. If I knew that they were gon na XXXX me, I would have tried to figure something else out, but I was told they were DEFERRED AND I WAS OK?!?!?!?!?

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Debt collection (Payday loan) with Bronstein & Weiss Arbitration (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a phone call this morning XXXX XXXX from XXXX Law Office from a person calling himself XXXX XXXX. He claimed that I had a class action suit being filed against me regarding a debt with XXXX XXXX XXXX stating that it was a time sensitive situation on my voicemail. This man called my mom, XXXX sisters, brother in law and his mother ( I do n't even have her phone number ). 
I asked several times for law license number and he refused to give it to me, and I also asked for him to send the claim in writing to the address that he had on file. When I asked to speak to a supervisor he refused and ended the phone call.

Company response to consumer: Untimely response
Consumer complaint received 06-01-2015 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Payoff process

Complaint: Hi -- I have XXXX interest rates on my WELLS FARGO XXXX VISA card : ( a ) Purchases at 15.240 % ( b ) Cash Advances at 23.990 % XXXX of my purchases was applied to the Cash Advance Balance, so I am being charaged XXXX interest rates. But my payments are only being applied to the lower interest rate XXXX. According to this the new Credid Card Reform Law of 2009, " credit card companies must apply payments minus required minimum payment amount, to the highest interest rate balance on the card. '' XXXX That 's not happening. WELLS FARGO is applying payments ALL to the BALANCES with the LOWEST INTEREST RATES XXXX 

I called Wells Fargo today ( XXXX, XXXX/XXXX/15 ) for 1hr 15minutes, explained the situation over and over again. Eventually a representative said, " there was nothing they could do, this is their company policy. '' When I informed them that this was against federal law, the representative still said there was nothing to be done. 

Aside from the fact that this will cost me thousands of dollars -- this is just plain illegal. Let 's please enforce this law on Wells Fargo and protect me and other consumers like me. 

ThanksXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation