milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Freedom Mortgage continues to delay the processing of our short sale application. We are in month XXXX of our battle with this company. Friday ( XXXX ) I reached out to freedom for an update on the status of our recent appraisal. I was told on the phone that the appraisal company was requesting a new purchase agreement. Freedom never contacted us to let us know there was a paperwork issue. When I inquired what was wrong with our purchase agreement I was first told it was outdated. The agreement is not outdated there is not specific closing date and such listed. I pressed freedom on this and their answer changed. They then said ( during the same friday phone conversation ) that the purchase agreement was incomplete. I double checked with our realtor over the weekend, the agreement is in fact complete and correct. I called Freedom back today ( XXXX ) and spoke with XXXX Still who spoke with underwriting while on the phone with me. Underwriter continued to claim that the purchase agreement was incomplete and that she even tried to " push back '' but the appraiser would n't budge. I called the appraisal company myself ( XXXX XXXX XXXX XXXX and his assistant informed me that Freedom has n't yet sent the document. They sent the addendum but not the full document. Not only that, but XXXX XXXX 's office has requested the document once a week since XXXX XXXX. This is yet again another example of Freedom employees failing to do their job. Freedom has now sat on our paperwork for so long ( one year ) that we have lost our buyers and are facing foreclosure.

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 10-08-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (HI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Dear Sir or Madam, I had Federal student loans with XXXX XXXX that were transferred to Navient in XXXX. I attended XXXX and XXXX school, completing my education in XXXX XXXX. Upon graduation, I consolidated my loans with XXXX XXXX. I recall having an APR of 1.9 percent upon my consolidation. I noticed that a XXXX statement from XXXX XXXX has 2.6 percent. 

Recently, in just the past month or so, I have received an email from Navient stating they have accepted my deferment request. I emailed their help center and told them this is an error, or someone trying to hack into my account, since I DID NOT request a deferment. They sent an automated email back saying they are sorry I am having financial difficulty and options under such circumstances. They could n't even bother to have a human read my complaint/error report. Additionally, my APR is now 2.85 percent. I consolidated my loans at a fixed APR for the life of the loans. 

Navient has no after hours helpline, and since I am in Hawaii and they are on the east coast it is very difficult to find time to call them during the work day. I will obviously make effort to call this coming Tuesday morning first thing since I am extremely frustrated and feel cheated. 

I feel something criminal is happening and all Navient can do is send automated replies after 8 days of my written error report. I have had much better luck with email inquiries with companies such as XXXX, XXXX, and others. Naivent seems very shady and I am going to look into an alternative company to house my student loans. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: First of all, we were not aware of this debt. This was a landline phone at a rental property and XXXX XXXX XXXX did not get the bill correctly mailed so that we could pay it. They just turned it over to a collection agency which is whom I have the biggest complaint with. After applying and being denied for credit, I discovered that this was on my credit report. I immediately called XXXX XXXX XXXX that said to call AFNI and pay with them since it had already been turned over. I stated that I wanted it removed. XXXX said if after calling AFNI I didnt get resolution to call them back and they would pull the account back and I could work with them. I called AFNI on XXXX/XXXX/16 and explained what I needed, she said she would gladly take the payment and then I could have this removed. After being denied once again for credit on XXXX/XXXX/16, I found out that the debt was still showing in collection and still being reported even though I had paid in full on XXXX/XXXX/16. I then called AFNI and was treated so rudely. The gentleman basically said I was a liar - that they werent going to remove anything. I have never seen such horrible customer service to someone who is obviously distraught over losing a mortgage loan over a {$100.00} debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing you to request help to remove foreclosure from my credit score on all XXXX along with any negative comments. The reasons are as follows : 1. I was notified that I was included in a Class Action Suit against Wells Fargo Mortgage XXXX XXXX for an illegal mortgage. 
2. Wells Fargo knew I had an illegal mortgage from XXXX. Wells Fargo agreed and signed in Federal Court to modify all the mortgages that were included in the class action suit. 
3. I spent the next year trying to talk to them. I have names, times and dates if needed. 
4. I called XXXX XXXX XXXX XXXX and spoke with XXXX XXXX who asked " Why I never applied for a modification? '' I tried numerous times and was turned away repeatedly. I did finally get them to accept the application which apparently was not processed in a timely manner since XXXX XXXX had no record of it. 
5. At this point under the advice of my attorney, I stopped paying my mortgage, in hopes we would have an open honest conversation concerning correcting or modifying my mortgage. I did not write the mortgage agreement. The Bank wrote the mortgage agreement. It was their correction to make, not mine. 
6. I am enclosing a copy of a certified letter that states I am included in the class action suit. I am also enclosing a copy of the court record dated XXXX XXXX, XXXX It states that Wells Fargo was denied the right to foreclose on me. 
7. XXXX XXXX, my husband and I agreed to sell our house. We gave up, the stress was unbearable. 
8. On XXXX of XXXX, we closed on the sale of our home with a profit, not in foreclosure or in a short sale. Wells Fargo was paid in full. 
Wells Fargo 's lawyers and my lawyers were in contact with each other the whole time. 
They have ruined my credit. We were unable to buy or rent adequate and appropriate housing after selling our home. Five years Wells Fargo played games with apparently no intention of honoring their signed agreement in Federal Court to modify and correct the illegal mortgages. 
After 40 years making timely payments to mortgage banks, this has ruined my credit and reputation. I feel they have slandered my name and implied that I am not reliable. This has caused unbelievable financial damage and hardship to our family. 
I hope by sending you documented proof and informing you of the history, that you will be able to accomplish something that I could not. 
This is about correcting their report on my credit, removing anything negative from the report and damage to me.

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 08/25/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CT).
Issue: Application, originator, mortgage broker

Complaint: I contacted Citibank about refinancing my mortgage. I was given a rate which would be locked in for 60 days. I was given a list of documents to submit. I scanned and sent the documents. As these were being reviewed, I would get more requests for various information, which I continued to submit. I paid for a an appraisal of my home which was set up thru the bank. I continued to respond to the requests for more information. Seven days before the end of the rate lock, Citi is still requesting more information. We are are now at day 70 and the staff that was working with me is on vacation. I have no idea if I was approved or not for this loan. This loan should have closed weeks ago.

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 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with INDEPENDENT SAVINGS PLAN CO (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX   report remains incorrect due to incorrect reporting  by the Lender ISP. We   never closed the acct. Our reverse mortgage lender paid them by agreement disbursement. We only requested they remove the lien on the water conditioner. They stated " due to that they are required by  the Fair Debt Reporting Act '' to fil e that way? That remains a negative on  XXXX , has handicapped our ability to finance our additional debt and placed us in significant financial harm.   XXXX   report #  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: paid tax on time, Bank of America repaid the tax with a late fee to XXXX. The bank opened escrow and funded it from the mortgage payments. I did not have escrow. I pay tax and insurance my self, I am calling the bank since XXXX to resolve this problem, as of XXXX The said problem is not solved. All XXXX credit bureaus are showing I am XXXX days late it also shows the increased payment of {$860.00} not {$510.00}. To add insult to injury the bank told me I must write and request they remove the mistake from my account. I wrote the letter to an address I was given since the end of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have been a Bank of America customer for over 12 years and I have 2 credit card accounts established with them as well as 3 other personal banking accounts. One credit card has been active since XX/XX/XXXX and the other since XX/XX/XXXX. I have never been late with a payment, I consistently make payments in excess of the minimum monthly payment due, and neither card is at its credit limit. I received a letter this weekend indicating that my accounts were closed permanently and I needed to update any information that was associated with those accounts. The reason given was that my risk profile had changed and did not align with their risk tolerance. The only thing that has changed about my risk profile is that another unrelated credit card account that had no balance- was compromised due to fraud. I was made aware of this by checking my credit report at which time I contacted my credit card company since they had charged late fees and reported the account as delinquent based on the fraudulent charges. The investigation has been completed, the charges and late fees and credit reporting have been removed/reversed. Bank of America made no attempt to call me to make any inquiry or even inform me about the account- they just closed and I was embarrassed at two merchants because the card was declined before I had knowledge of the account closure. When I call the number provided with the letter, I am met with a message that says we are not going to explain any further why we closed the account and we will not reconsider our decision.

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 06/16/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Making/receiving payments, sending money

Complaint: I placed a stop payment on a purchase due to problems with the quality of goods and services purchased however Suntrust Bank still allowed the purchase to be drafted from my account. On XXXX XXXX, I filed a dispute and provided Suntrust with the information requested. On XXXX XXXX, additional information was requested. On XXXX XXXX, Suntrust received correspondence from me in response to the letter they send me on XXXX XXXX. Yet, XXXX XXXX, I received a letter dated XXXX XXXX, stating that the dispute is CLOSED because I did n't send the additional information they requested. I provided proof of receipt delivery yet I was being led to. Matter fact, I called Suntrust on XXXX XXXX yet I was told by supervisor XXXX that they received my documents and are processing my claim. SunTrust is trying EVERYTHING not to honor Federal Law that protects me against legal protections for problems with the quality of goods or services purchased with a debit card/ credit card account ending in : XXXX. The banking institution has failed to has been unfair and deceptive in their dealings with me and I have reason to believe that its because of my gender and color. I have several colleagues of the opposite race and sex that have had favorable outcomes. But Suntrust always gives me a hard time. They treat me as though I 'm a thief. My rights have been violated. And conveniently, the account was CLOSED by Suntrust on 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 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have been calling equifax for over 2 months now trying to receive a revised copy of my credit report from the disputes that have been completed confirmation numbers # XXXX, # XXXX, # XXXX, # XXXX. I have n't received the confirmation by mail and I keep being told when I call they have mailed the letter and it will take 7-10 business days!

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: To whom it may concern : I am writing to dispute the information reported on my credit report, regarding XXXX. I have already contacted my creditors and no changes have been made. I have been making payments to this creditor, in the amount of XXXX dollars monthly, for a year. They do not report my payments, or the account correctly. They report that I pay XXXX dollars monthly, when I was previously paying 300 dollars. The XXXX creditors do not report this account correctly. 

All XXXX creditors provide XXXX different monthly payments made towards my debts and different amounts owed. I have contacted them many times to remove erroneous account but they have not corrected this error. 

My name has also been an issue. I have been linked with my mothers name, so many times I changed it. The only names I have ever used where XXXX XXXX, XXXX XXXX, and my current legal name, XXXX XXXX. I have never used XXXX XXXX, that is my mother. I am incorrectly reported to have used the name XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX and this needs to be removed from my record. I have contacted the XXXX creditors and provided them with legal proof and yet I am still receiving mail with incorrect names. I also can not change my address through the post office as it changes my mothers mail, along with mine. I have tried to fix these issues for a few years now to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Taking out the loan or lease

Complaint: I have been paying {$540.00} a month for a car XXXX XXXX XXXX 2014 my Apr is 18.10 % for 72 month for over two years since I bought the car. Something wrong with the calculation. From my under standing 18.10 Apr is way lower from what I remember. Cash down payment is {$4000.00} plus rebate {$2000.00} monthly is {$440.00} not {$540.00}. Please help. I also demand a copy of all documents I mean all even a receipt of my down payment they have nothing to give me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Debt collection (Credit card) with Resolute Credit, LLC (CT).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I had a credit card opened in XXXX with XXXX, XXXX after I was married to my husband in XXXX. Even though it was in my name, we both used the card for both of our use, which included purposes for the home we bought in XXXX. However, since the credit reached a substantial high of {$6500.00}. along with other credit cards we had that we made home improvements on, we decided to refinance on a 2nd mortgage in XXXX with XXXX Mortgage eliminating these debts. Unfortunately, XXXX child later, and in XXXX, we divorced and I 'm left in a strict foreclosure after losing my job due to the economy crisis in XXXX and working XXXX jobs to meet the mortgage and during XXXX job I took a fall which left me on worker 's compensation since XXXX, still fighting for XXXX. However, let me be brief ... XXXX, XXXX apparently sold off debt to XXXX XXXX , XXXX in XXXX, that 's 13 years later. I 've never had it on my credit report since then. Like I said, I refinanced the debt in XXXX. When I received the letter from XXXX XXXX , XXXX XXXX XXXX ( which by the way is over the statute of limitations in CT ). I immediately advised them that this credit was refinanced in XXXX and she said ok I 'll take care of it. There must have been an error. I was never notified any time after that, but I was taken to small claims court in XXXX XXXX where there was a judgement against me yet no papers were ever sent to me for {$5000.00} judgement 2 months later. Then they sold the debt off to another credit agency called Resolute Credit who is now again taking me back to court and threatening me when they know that they can not go into my funds because I am on worker 's compensation and I was receiving child support which just ended and my son is living with me until he goes to College in XXXX. However, this man legally threatened to go after my checking account again for the same amount knowing I just turned into the court via fax An Exempt for Execution which I should n't have had to do in the first place because the Bank ( XXXX XXXX Bank ) should have been able to protect my money with my Divorce Decree on File as well as my Worker 's Compensation Check. They should have marked my account as Protected!! And they did not do their job. So yes, I believe this should be made public for others to see. So it does n't happen to them. And their should be laws put against these Credit Card/Collection Agencies that do this because now I have this on my credit report which ruins my credit report while I now need to look for a place to live and when they need to check my credit score, it brought it down traumatically. And they should be held liable for this damage.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I set up a verbal payment arrangement to pay off my amount owed. I started making payments but due to my financial situation i missed one payment. I still had full intentions on pickubg back up my payments the following pay period i explained this to my account rep and told him you do not need to continue to call me every day about my debt i will make the payment asap. He still continued to call me then told me he is jusy going to put refusal to pay on my account and i need to honor my word. I called and askwd to speak to his supervisor left him a message and havent heard anything.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have several inquiries been reported on my credit report that I did not authorize from my understanding you have to be given a written authorization for your credit to be pulled of which I did not give any company to pull my credit report of which at the time I had a credit freeze on my credit .Under the fair credit reporting act usc1681g I have the right to demand that you disclose to me all of the documents that you have recorded ans reatained in your file at the time of the request concerning the inquiries that are reporting in my credit report please do n't respond to my request by saying that these inquiries have been verified .Send me copies of the documents that you have in your file that were used to verify them if you do not have any documentation in your file to verify the accuracy of these disputed inquiries then please delete them immediately.Section 6115 a of the fcra you are required to promptly DELETE information which can not be verified the law is clear to civil liability and the remedies available to me for negligent compliance Section 617 if you fail to comply with this federal law I am a litigious consumer and full y intend on pursuing ligation in this matter to enforce my rights under the FCRA

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