milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/30/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This item was placed on my credit report as a result of identity theft. I disputed this with the company and they sent me the attached response which I have screen shotted and attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I recently paid off my loan to Navient, and 2-days after the fact, noticed that I overpaid by {$.00}. I spoke w/ their customer service representative, who informed me that overpayments that amount to less than {$1.00} are generally written off. When asked to clarify, the representative, " XXXX, '' stated that essentially, Navient will keep that amount and will only refund if it 's {$1.00} or more. She asked if I wanted a refund of {$.00}, and I said, " Yes. '' XXXX had to check with her supervisor to approve the refund, but then told me to call back on XXXX XXXX, 2016 to escalate the issue to have a supervisor then refund me the {$.00}. When asked if I will get the interest on the {$.00}, they said, " No. '' I know that Sallie Mae/Navient would continue to add interest if I were {$.00} short, and if it took me more than 10-days to pay it, then I 'd certainly have to pay a larger amount. If they kept {$.00} of every over payment made to Navient, they stand to gain XXXX in a windfall. 

Needless to say, when I asked her why her supervisor could n't just process the refund now, she stated that it 's policy to wait until AFTER the billing cycle has passed. This all seems unfair and contradictory to the law and policy.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: We were notified through a general notice sent by postal mail from Santander Bank that starting in XXXX, we would be charged a {$3.00} paper statement fee starting XXXX XXXX, 2017. This fee will be charged on the first business day following the statement period date. To avoid this fee, we will need to turn off paper statements through Online Banking and to do so individually for each account. The letter acknowledges that the change is easier for some than others and that this is being done for environmental reasons. We have contacted bank representatives at local branches and by phone several times indicating that this is an inconvenience for us and makes it difficult to review charges ( allowing the possibility of additional fees to go unnoticed ). We also noted the equity and access issues, particularly for individuals who do not have easy internet access. Each representative and supervisor categorically stated that they could not override the paper statement fee at an individual level. I understand that this fee applies only to our personal account, and not the business ones which shows inconsistency between accounts. It is my understanding by reviewing relevant online guidelines and reaching out to several state and federal agencies that national banks are required to provide periodic statements if electronic fund transfers can be made to or from the checking, savings, money market, or NOW account. We are concerned that the paper statement service fee represents a potentially deceptive, unfair, and inequitable banking practice and that such a charge violates our rights as consumers. We would like this issue to be investigated not only for our family as account holders, but for all account holders who may prefer to maintain paper statements at no additional fee.

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
Consumer complaint received 12/13/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: My loan was with XXXX up until XXXX 2017 and  was bought by Nationstar and is now Mr. Cooper. 
Every month I send them an extra payment of {$1500.00} and instructions to apply in whole to the principal. Every month they apply it incorrectly, every month for the whole year. 
They apply it this way ... 
Principal {$580.00} Interest {$420.00} Escrow {$370.00} Additional Principal {$110.00} That 's {$790.00}, almost {$800.00} that they try not to apply to my Principal on my loan. I have given them instructions and every month they ignore my instructions. Every month I have to call, explain what they did wrong then wait for a couple of days for them to apply the correct amount toward the principal. 
Every month.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Mortgage (Conventional fixed mortgage) with K. HOVNANIAN AMERICAN MORTGAGE, LLC (NJ).
Issue: Application, originator, mortgage broker

Complaint: I recently contracted to purchase a property from XXXX in New Jersey as they also have there own in house mortgage company, K.Hovnanian American Mortgage, XXXX. As an inducement to use their own in house mortgage company I was offered $ XXXX off the purchase price. XXXX, I did n't have any an issue with this process until today. My original mortgage rate offered was XXXX floating. I had many communications with the loan XXXX who at no time explained to me that I was floating and that I would run the risk of not being able to receive the original rate offered if did n't lock in. To my dismay I was notified today that my loan is not locked in and they can not deliver the rate promised and tried to convince me into taking a XXXX year or XXXX year ARM. I did not have the bonfire option of shopping for competitive financing due to the fact I discovered well after the fact I was out of attorney review and behind the point where I could cancel my contract to purchase my home without grave financial damages including but not limited to forfeiting my deposit that the unit I am purchasing is considered a non warrant-able condo. By vert-rue of this I am not a candidate for XXXX or other agency financing. I feel like I have been deceived by a bait and switch. If I did n't know better I would say they have an monopoly. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX account still reporting incorrect shows last payment XX/XX/XXXX they also received and processed through my account XXXX XXXX XXXX {$27.00} in XX/XX/XXXX approximately the XX/XX/XXXX of the month they also accepted my payment of {$27.00} in XX/XX/XXXX processed through my account XXXX XXXX XXXX I then closed my account with XXXX XXXX  XXXX XXXX account. I then on XX/XX/XXXX through their automated system paid my remaining balance to XXXX with the payment of {$21.00} which was my final remaining balance. the confirmation number for the final payment bringing me to XXXX balance is XXXX on date XX/XX/XXXX payment has cleared my bank I received a letter today from XXXX XXXX XXXX XXXX card dated XX/XX/XXXX accepting the closure of my account by me and telling me I had a remaining balance of {$20.00} I paid that as I said XX/XX/XXXX I gave you my confirmation number XXXX this needs to be reported correctly account balance is XXXX and account is closed by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/30/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The last correspondence I sent the company on XXXX pertained to a demand for validation. The company 's correspondence to me dated XXXX provided me with verification of the account, they failed failed to provide me substantive validation of the account, there are no statements and contractual agreements from the original creditor that they could produce and at the same time they persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: My name is XXXX XXXX and I am a XXXX XXXX with XXXX XXXX XXXX in XXXX XXXX. I am writing in regards to an investigation of financial abuse for a client.
On XX/XX/XXXX I submitted a request for a year 's worth of bank statements from Wells Fargo. On XX/XX/XXXX I received a response from XXXX XXXX stating that I would need to provide a signed authorization from the client to release the statements ; however, my client was XXXX and I obviously could not obtain that form from her. In addition, I could submit a signed POA form noting myself as her attorney-in-fact, but I am a XXXX XXXX with a county agency ( XXXX ) who has no authority to become POA for a client. It is in fact unethical and against policy for me to do so.
On XX/XX/XXXX I sent a response to the Denial of Request which is from the XXXX XXXX XXXX XXXX XXXX which stated the laws pertinent to this request. OnXX/XX/XXXX XXXX XXXX of Wells Fargo sent me the same response fromXX/XX/XXXX.
I have attached the correspondence to the file below.
It is quite unfortunate that a bank such as Wells Fargo will not protect their clients who are victims of financial abuse and cooperate with XXXX XXXX XXXX so that we can complete our investigation. I would like to see Wells Fargo complete my request, which is seen in the correspondence documents.

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 08/22/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other

Complaint: On XXXX/XXXX/2016 I checked my Citi online account. At that time the system indicated that I could receive a credit limit increase with a SOFT pull of my credit report. I completed the process and was instantly granted an increase. 

On XXXX/XXXX/2016 Citi did a HARD pull of my XXXX credit report. I was notified of this 2 days later by a credit monitoring product. On XXXX/XXXX/2016 I contacted Citi to find out why they 'd pulled my credit. Due to the time delay between the CLI and the hard pull I 'm concerned about a fraudulent account being opened in my name and was told they could not help me. I also asked about having the hard pull investigated and removed and I was told that no one could speak to me or help me on that matter. 

Either a fraudulent account has been opened in my name or Citi was deceptive in its process.

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 06/16/2016 about Mortgage (Conventional fixed mortgage) with Credit Union Mortgage Association, Inc. (VA).
Issue: Application, originator, mortgage broker

Complaint: Dear Sirs, My spouse and I recently applied for a conventional mortgage. We were " pre-qualified, '' made an offer, and obtained a ratified contract. We supplied all documentation requested and answered all questions. One month later, we were denied out of the blue on the sole basis of our student loan balances. We were not informed that 1 percent of our student loan balance would be used as our payment amount. That is not our payment amounts, which are reflected on our credit reports. The 1 percent payment amount is 8 times larger than our actual income-based payment amount. We can easily afford the property other than this arcane regulation requirement. Complaint 1 - the lender ( Credit Union Mortgage Association , Inc. ) NEVER informed us of this requirement. This resulted in wasting time, energy and money for all parties involved ( buyer, seller, agents, inspector, appraiser, not to mention CU staff ), expending monies ( appraiser, moving deposits, etc. ), and signing a contract without full disclosure of necessary information by the lender. Complaint 2 - Why is XXXX ( I found the rules on my own ) requiring lenders to count 1 percent of student loan balances as the payment, when that is not the actual payment? Income-based plans are legally available to all borrowers. For some unknown reason that discourages business, Americans with student loans balances will often be unable to qualify based upon this provision alone. It is antithetical to good business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Navient ga ve my parents the informaiton on my loan balance and payments made, including whether or not they were applied to principal. I called  Navient an d asked that they remove all phone numbers associated with my parents, before knowing they had disclosed this information, and stated that if I found out they had discussed my student loan information with anyone other than me, I believed they would be in violation of the Fair Debt Collection Practices Act. I have not called back since finding out they did, in fact, disclose information. I did not have any cosigners on my student loan, so they were not authorized to share any information with my parents.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Midland Fund This company did NOT respond to my direct dispute within 30 days. I sent them a certified letter ( XXXX/XXXX/XXXX ) disputing incorrect delinquent account dates, that this account was more than 7 years old. They ignored my letter. Then when I filed a dispute with XXXX to delete it, they conducted their own investigation after I sent them supporting documents that this dispute to Midland Fund went unanswered within the specified time frame according to the FACT act ( XXXX ). They have had ample time to delete this information from my credit report. They 're indifference to my situation is keeping me from purchasing a home! I have re sent certified mail as of XXXX/XXXX/XXXX to XXXX, XXXX, XXXX, & MIDLAND FUND with supporting documents to back up my claim that they have violated the FACT ACT and that these furnishers have failed in their DUTY TO CORRECT AND UPDATE INFORMATION & ( FCRA 623 ( a ) ) DUTY TO PROVIDE ACCURATE INFORMATION. These documents were confirmed delivered to recipients by USPS.com tracking, and they have still not deleted this information off of my credit report. Evidence included in these packets : original dispute letter with certified tracking ticket, USPS.com tracking confirmation that they were hand delivered ( MIDLAND FUND claimed they sent documents to me on XXXX XXXX, XXXX, during a follow up phone call. Which is past the specified time frame regardless. Plus, I still have not received them. ), and transcribed scripted phone calls with this company, including representatives that I spoke with and ID numbers of said representatives. I am an educated consumer and I am aware of my rights. They have clearly violated the FACT ACT introduced by congress in XXXX. This act allows the consumer to directly dispute with furnishers ( third party collection agencies ). These furnishers continue to report false information to the CRAs and are keeping me from purchasing a home. I will file with small claims court if I have to. I have more than enough evidence to prove my claims. This is a gross injustice to me as a human being. I want this information deleted from my credit report immediately. Time is NOT on my side anymore. I am tired of waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Closing/Cancelling account

Complaint: USAA representative kept telling me that an interest charge is not a finance charge. Based on this, and other misleading statements, I decided to cancel the card. It took me almost 30 minutes, and verbal abuse in order to cancel the card. I am a veteran

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Using a debit or ATM card

Complaint: Am Having A Problem With My Bank Account i Lost My Debit Card There Where Some Transaction Made On My Account That I Did Not Authorize Please Help Me Resolved This Issue i Made A Claim With TD Bank on XXXX XXXX for {$41.00} $ XXXX Fee {$170.00} i did not made this transaction and the bank According to the bank investigation. they saying that the charges are valid and that this transaction are all valid. and the bank denied to credit the transaction please help me resolved this issue i use this account only for SSI Social Security Direct Deposit. and the account right now has a negative {$190.00} and i did not made this transaction and i also made a police report for this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America ( BoA ) resumed loan service XXXX/XXXX/15 after having had XXXX ( XXXX ) take it while we were in a Ch. XXXX. We owed for XXXX mortgage when transferred, but were current through XXXX. We have paid both XXXX and XXXX payment at the end of the month, but are current. The XXXX XXXX payment is due tomorrow ; the late fee kicks in on the XXXX. Despite these facts, we received a " Notice of Pre-Foreclosure Options '' today in the mail, which required XXXX signatures. 

We believe that BoA is acting predatorily since we had a loan modification during the XXXX so that the home currently has almost $ 100k equity. We believe the bank is using the technicality of the law to seize our property for pure financial gain, notwithstanding that it has been accepting our late payments and has not been charging us late fees. Additionally, there have been no previous notices. We have received statements, including XXXX for escrow, which states that our payments will increase by approximately $ XXXX/month beginning XXXX/XXXX/15.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: please help me to come to a resolution in this matter, i have been a victim of ID theft and several accounts have been used on my behalf, i have already disputed this matter with all XXXX credit bureaus but so far no help from their end, i will be attaching my police report that i have inquired from XXXX XXXX police department along with the FTC application. 
please follow this issue with them thank you for your cooperation

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 08/21/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (ME).
Issue: Closing/Cancelling account

Complaint: When paying off my final payment after closing my account with Capitol One, the customer service rep asked if I wanted to round up to the next whole dollar amount.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: I had a business account with Bank of America. Business has been slow and I fell behind in credit card payments, but always tried to pay something. I was paying by transferring money online through my personal B of A account to the business account. B of A then took my business account down because it was delinquent WITHOUT TELLING ME. When they called and tried to get my credit card over the phone, I told them that I 'm not giving that info out and to please add the business account back to my online banking so that I can start making payments again. Over the past two months, I have emailed the CEO who forwarded me to a person named XXXX XXXX. I told them both I have been a 20 year customer and I always pay, but I ca n't pay if they do n't add my business account back to my online banking. XXXX XXXX said she would try, then got back to me a week later ( while I was accruing late fees I 'm sure ) and told me that the only way for me to pay is to do so over the phone. I emailed XXXX XXXX, the CEO again, and told him I want to pay but need to do so online. Then, they did a right to setoff, and took money out of my account to pay the late fees etc. If they had emailed me or sent a letter etc. telling me that they were taking the account offline I would have understood, but they never did and only called asking for a credit card over the phone. They are criminal and I think did it purposely to charge late fees. I have copies of my emails telling them that I 'm trying to pay but ca n't access the account online.

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 08/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This is to inform that credit card company XXXX XXXX XXXX reported 30-day late payment to credit bureau companies such as XXXX and Trans Union. I was in job movement from XXXX to XXXX and I forgot to pay small amount of {$40.00} or less on my credit card. I not only paid my dues but also a modest penaly of $ XXXX-XXXX. I do n't understand why XXXX is defaming me in my credit bureau reports since I have paid them penalty for late payment so they have no right to defame me or report bad for me. They can not penalise me monetary as well as social embarrassment.

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