milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I bought my house in XXXX 2005. I bought it for {$520000.00}. I only had a little over {$50000.00} for a down payment, so I had to get XXXX mortgages. The XXXX was an interest only loan. The terms as they were explained to me at the time were that I would have to pay interest only for 10 years. After the 10 year period was concluded, I was told that I would be paying interest and principal. I was never told that the principal payment would be in addition to what I was already paying. My mortgage was sold 3 months prior to the 10 year period conclusion. A couple of months before the 10 year period, I was advised by the new mortgage holder that my payments would be changing and that I would be paying interest as well as principal. The wording of the notice made me worry that the payment amount would change, so I called the company, and a customer service representative explained to me that I would not be paying more, but that now part of my payment would be going to paying off the principal. While I waited, he roughly figured an approximate amount that would go towards paying down the principal. I was relieved and waited until the first payment where this would take effect. When that day came, I received a bill that raised my monthly payment by nearly {$1000.00}. I sent the company an e-mail, which took XXXX weeks to be replied to, in the form of a letter. They stated that all was in order per my original loan 's terms and even sent me a copy of a document signed by me 10 years earlier, which actually stated that my mortgage would " not '' go up after the 10 year period, but would in fact, slightly decline ( from {$2000.00} down to {$1900.00} ). I have attached the first page of that document, which clearly says this. Subsequently, I read up on Interest Only Loans and found that they typically call for an increase in the payment after the interest only period is over, but this was never explained to me, and the document I signed certainly did not say this. One other point, I was also never told that my loan was an ARM. I found this out a few years later when the original company, ( XXXX XXXX XXXX ) finally obtained a website and I saw on their site, what kind of loan I had. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Payday loan, title loan, or personal loan (Installment loan) with ALLY FINANCIAL INC. (NJ).
Issue: Problem with the payoff process at the end of the loan

Complaint: Ally Financial has been very aggressive trying to collect unpaid balance from GAP insurance. I am not liable for shortage, I was paid up to date with them at the time of loss. They are calling my house 15 times per day, and calling in late evening hours past XXXX when my children are asleep..

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 11/16/2017 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XX/XX/XXXX I was contacted by a loan officer of Loan Depot ( loandepot.com ) for a mortgage refinance. He explained to me that I was prequalified after he pulled my credit report. He asked for my credit card number to pay for the appraisal. I gave him my credit card number and then {$370.00} was charged to my credit card. About two weeks into the mortgage loan process, The loan officer suddenly had become unresponsive to my phone messages and email inquiries. My last contact with him was on XX/XX/XXXX. Then on XX/XX/XXXX, my processor sent me an email notifying me that the  appraisal had been finished. Then after that my loan was a complete standstill. I could not get any updates with my loan until XX/XX/XXXX when my processor sent me an email stating that they were trying get some conditions fixed with the appraisal. By this time my loan had been reassigned to another loan officer.  Eventually on XX/XX/XXXX, my processor told me that the appraisal was useless because the appriser refused to fix some corrections in the appraisal. My processor said that Loan Depot would be doing a desk appraisal instead which is only running comparable sales from a computer. This completely messed up my loan and made purchasing an actual appraisal a waste of time and money. I should not be liable to pay for the appraisal. Loan Depot made a complete mockery of this loan. I was misguided by the initial loan officer who ordered the appraisal. Three weeks into the loan process my loan officer suddenly disappeared while leaving my loan at a complete standstill for weeks. Then the appraisal ordered was insufficient and could not be used causing my loan to be denied. The appraiser refused to provide the required information for the processor so it was a total waste.Now I am being charged {$370.00} for an appraisal that was done according to Loan Depot 's standards and they were the ones who ordered the appraisal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/18/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (IL).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, I closed a checking account at a bank with the intent of opening a new account with a credit union. As soon as I had opened the new account, I began changing information relating to automatic withdrawls of bill payments. I started with a phone call to the mortgage servicer, Phh Mortgage. I explained to the represenative that I had closed my old checking account, and wished to change the automatic withdrawl information to that of my new checking account. I had tried to do this online, but some strange problem with trying to set up a new password forced me to the phone. The rep informed me this could not be done by phone, that I would have to fill out a form and mail it back. I asked for the form and she said it would be sent out. She informed me that it was already too late to change the information in time for the XXXX XXXX payment, and provided me with a payment mailing address. I mailed a payment which was received and processed on time. On XXXX XXXX, PHH attempted to process the automatic withdrawl using information for the closed account. The payment was naturally refused, and PHH applied a {$25.00} NSF charge to my account. I received a letter to this effect on XXXX XXXX. I called them, and explained what had happened. The representative I spoke to, XXXX, stated that there was no information on thr account regarding the closing of the old checking account. I asked to have the NSF charge reversed. His supervisor denied the request. I should not have to pay for the incompetence of a PHH representative, and I want this charge removed, and an apology from PHH management for the performance of the representative, and the attitude of the supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (IN).
Issue: Fraud or scam

Complaint: WESTERNUNION ALLOWED THEM TO COMMIT FRAUD AGAINST ME BY NOT MAKING AWARE OF THE SCAM THEY ALL KNEW IT AS THEY LAUGHED. THIS IS VIOLATING THE DODD-FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit card () with CITIBANK, N.A. (NV).
Issue: Other

Complaint: Home Depot intimidates its customers by threatening to lower their credit limit and/or close their credit card accounts if they do not purchase HD items on their HD credit card. Prior to my credit limit being lowered, HD had sent at least one mailing ( maybe two ) that said I needed to buy something using my HD credit card if I did n't want my credit lowered or my card cancelled. I did what the mailing ( s ) said, paid on time, never went anywhere near credit limit -- yet HD cut my credit limit in half. 

Home Depot unfairly lowered my credit limit from {$5000.00} to {$2500.00} ( via CBNA, XXXX. XXXX XXXX XXXX XXXX, SD XXXX ) and reported that action to the credit bureaus, which in turn lowered my credit score from XXXX on XXXX XXXX, 2016, to XXXX on XXXX XXXX, 2016. Having less available credit has continued to lower my credit score anytime I use my credit cards, because credit scores are based on credit used versus credit available.

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 07/22/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX and XXXX in the Office of Consumer Affairs told me that even though XXXX XXXX XXXX put through a deletion for my account and provided a confirmation in the form of control number XXXX, which is used as confirmation by Equifax 's business team, Equifax was still refusing to delete the information. They said even if I provided the letter from the creditor that says the item was reported as deleted, they still would not delete it. They completely refused, saying that I should file an additional dispute even though XXXX XXXX XXXX has told me they have received none of the disputes from Equifax that I have already filed. Equifax told me they would offer no relief for the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have a Kohl 's Department store credit card. I made a purchase on the card on XXXX XXXX, XXXX for {$13.00}. I usually pay this off in store as soon as I make the purchase with my Kohl 's card but was in a rush and could not do so. 
Three months later, in XXXX XXXX, I received a bill from collections that I owed Kohl 's {$32.00} ; I immediately paid the bill and was very confused because I had never received a bill in the mail. I called the company and they said I enrolled myself in paperless statements, and they had been sending me my statements via email. I advised them that I never did so, and they accused me of doing so anyway. So, I went ahead and checked my email, and the last email that I received from Kohl 's was dated XXXX XXXX, XXXX, XXXXhree years ago! I never received my bill via email. 
So today, I went online to view my online Kohl 's account and it asked me if I wanted to go paperless, and I said no, meaning that I had not opted in to Kohl 's paperless in the first place. 
The reason I am submitting this complaint is because my FICO credit score went from a XXXX to a XXXX ; almost a XXXX point decrease over a {$13.00} purchase! I was not avoiding paying this bill by any means as I could have easily paid it at anytime. I have been paying my other credit card bills on time, as well as my car payment and really value this effort to have a solid credit score. I have never paid a bill more than a day or two late, I would never let it get to three months passed due. I am very upset by this because it was such a minimal charge and caused so much damage to my credit score, and this can affect my life in a big way.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Bank of America ( " BofA '' ) is scamming/punishing customers who dare to post public complaints on their XXXX page.
I have my XXXX year old mother 's power of attorney. After BofA convinced my mother to make me a co-signer on her accounts, claiming it would simplify things, I spotted charges she did n't recognize, and she was being charged fees she should n't have. The fraudulent charges were eventually reversed and the money returned to her account. The fees were waived.
My mother 's HELOC is at a different financial institution, XXXX XXXX XXXX XXXX ( " XXXX '' ). One month, there were insufficient funds in her savings account to make an in-house payment, so I requested BofA wire the funds to XXXX. Instead of wiring the funds as requested, BofA deducted the funds from my mother 's account, wrote a physical check and mailed it. When I complained to BofA that my mother 's payment was going to be late because of their actions, they refused to honor the check.
I recently discovered BofA was again charging my mother fees, this after they assured me all fees were being waived. I went into the XXXX XXXX branch and met with the branch manager. Some ( but not all ) of the funds were returned to my mother 's account. She was granted a six month waiver on future fees, and was told I could request the waiver be extended every six months.
The next day, I received an email from BofA stating the waiver for two months only and was not renewable.
Frankly fed up with the on-going problems with BofA, I posted a complaint on their XXXX page. They refused to discuss the problems with me, insisting I had to go to a separate " help '' page, a page which required me to give BofA access to my XXXX page. I refused. Then I received a XXXX Message from their " help '' desk. Again, they refused to discuss the problems with me, and directed me to log in to a BofA page which in not secured, has no security certificate, and is tagged as " deceptive. '' When I refused to login ( and provide my password ) to this " deceptive '' site, BofA 's employee attempted to goad me into inputting my information by accusing me of elder abuse.
Clearly, BofA not only as no interest in resolving customer 's complaints, they are actively trying to harm customers who complain publicly.

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 Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: PROFESSIONAL DEBT ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Professional Debt Mediation , Inc . 
XXXX, FL XXXX Toll Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify PROFESSIONAL DEBT or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PROFESSIONAL DEBT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My student loan interest seems to be extremely high. It is getting more difficult to enter a payment plan that I can reasonably pay every month.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit card () with WELLS FARGO & COMPANY (MI).
Issue: Late fee

Complaint: I had a Wells Fargo credit card. I was making monthly payments automatically. After some time, I noticed that Wells Fargo was charging me late fees. When I inquired, they said they had n't received my payments on time. But my receipts from XXXX show that the automatic payments came out of the first or second of every month ; therefore, I should never have been charged any late fees at all. When I called Wells Fargo on multiple occasions, they offered to remove only XXXX of the XXXX late fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2017 about Credit card () with JPMORGAN CHASE & CO. (NM).
Issue: Credit determination

Complaint: i made my cc payment from my online checking account they rejected both payments and then reported me late to the credit agencies and then cancelled my card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: After a week long battle between " XXXX '' companies in which XXXX of them " XXXX '' ( CREDIT CARD COMPANY ) and the other " ENHANCED XXXX ( DEBT COLLECTOR FROM PREVIOUS PAID DEBT ) i had been involved in. 

The XXXX accounts seem to have been fixed as of Last evening at XXXX when i checked my credit report/score. 

Upon checking this my credit score which had previously dropped " XXXX '' points a week earlier seemed to have been worked out. 

I check the same credit report/score ( XXXX CREDIT TRACKER ) My score had dropped another " XXXX '' points due to either XXXX/Credit agencies not leaving things the way they were supposed to be left or a mistake was made with " XXXX '' when attempting to fix this issue! 

Enclosed doc 's. 
PLEASE HELP!!! 
XXXX obtained as of this moment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Consumer Loan (Vehicle loan) with Auto Acceptance, LLC (MO).
Issue: Managing the loan or lease

Complaint: As part of the application process for receiving the loan for my car, the dealer required me to provide references to be approved for the loan. I am currently behind on my payment due to an issue with my bank that I am trying to resolve. The lender is calling my references telling them directly that I am 13 days behind on my payment. They are also leaving harassing voicemails on my references ' voicemails. My reference have asked them to stop calling yet they continue to call almost daily.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Unfortunately I was the victim of identity theft. I have done everything required of me by law to substantiate my claim and submitted a report number, an FTC complaint number and an FTC Affidavit to Equifax via certified mail. Equifax refuses to honor my claim & the evidence submitted. I also requested a reinvestigation online multiple times to no avail. Equifax continues to report fraudulent & inaccurate information on my credit report. The FCRA ensures that all information contained in a consumers file is100 % accurate. The following accounts are inaccurate and/or fraudulent ; 1 ) XXXX # XXXXis not my account please remove this from my credit report. 
2 ) XXXX XXXX XXXX # XXXXis not my account please remove this from my credit report. 
3 ) XXXX # XXXXis not my account please remove this from my credit report. 
4 ) XXXX # XXXXis not my account please remove this from my credit report. In addition is reporting multiple times on my report. 
XXXX XXXX # XXXXis not my account please remove this from my credit report. 
XXXX # XXXXis not my account please remove this from my credit report. In addition is reporting multiple times on my report. 
I would also like for Equifax to send me my entire credit file as required of them upon request per Section 609 ( a ) ( 1 ) ( A ), so that I may have the verification sent in by these alleged creditors examined for signatory forgeries.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I opened a Citibank interest checking account on XXXX XXXX, 2016 and deposited {$15000.00} into that account from by CIT Bank savings account on XXXX XXXX, 2016. I received checks for the account about a week later. On XXXX XXXX, 2016, XXXX cents of interest was deposited into the account. Today, XXXX XXXX, 2016, I logged into my account to find that the account was closed and that all of my money was gone. When I called Citibank, they refused to give me any information except to say that I would need to speak with an account specialist and that account specialists are not available on Sundays. When I pressed the representative, she told me all of the money had been withdrawn from my account by the back office. I have received no communication from Citibank whatsoever and now I will be forced to take time from work to determine what happened to my funds. As far as I am concerned, my funds have been STOLEN. DO NOT DO BUSINESS WITH CITIBANK! THEY ARE AS DISHONEST AS 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