milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-07-2017 about Mortgage (FHA mortgage) with STONEGATE MORTGAGE CORPORATION (IL).
Issue: Settlement process and costs

Complaint: I 'm having extreme difficulties with Stonegate Mortgage Company that has been ongoing for the past 3 months. I have a current XXXX loan that is open and still pending because of discrepancies with the contractor ( I have proof, pictures, and the HUD Consultant as a witness ). My loan officer at the bank in charge of the Construction loan is XXXX. I have even tried to reach out to her Sup XXXX to no avail. This is my very first property and I have no prior experience with any of this so I have called them repeatedly for someone to explain every detail to me but they have refused to take any more of my calls. I ca n't move tenants into my building and have been covering the bills alone because of this. I ca n't afford another month I have been trying to seek help. I have asked XXXX was there anyone else at the bank or anyone in management that I could speak with and she told me no. The HUD consultant has supplied her with pictures as proof and the amount not to pay the Contractor. I have since terminated the Contractor because due to the circumstances I no longer trust his word or his work. XXXX insists on paying this contractor every last cent of the balance she states that the HUD consultant told her to pay him. The HUD consultant, XXXX, and I have all been on several conference calls throughout the past week in which I have specifically heard and seen the paperwork in which he stated the amount to deduct for a new contractor to come and repair items that were done unsatisfactory. I do not know why there is a disconnect and I was told to stop calling only to correspond through email ( I have proof ). I just want the work to be done completely and accurately by a new contractor and do not feel that I should have to pay for the damages out of pocket. The HUD consultant agrees and has provided pictures as well as spoken with XXXX about these complaints. I was told to just take it up with arbitration. I 'm not at all pleased with the amount of service that I 'm receiving it is degrading. I will be filing a complaint with the BBB as well as looking to refi with a different company because Stonegate has left such an impression that I refused to deal with them one moment longer than necessary

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I had a Capital One XXXX business card from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. During the year that this account was open, I have always paid the credit card off in full without missing a single payment. 

On XXXX/XXXX/XXXX I called Capital One to close down my account in full because I no longer needed a small business card due to the fact that I had accepted a full time job with another company. The conversations I had with the Capital One representative lead me to believe that the card had been paid off in full and that the account would be fully closed. 

I learned on XXXX/XXXX/XXXX that pending charges that had been associated with the closed account had not been paid. I was told by a credit bureau that I was 90 days delinquent in paying these charges. I promptly tried to pay off my account in full on XXXX/XXXX/XXXX. It would take until XXXX/XXXX/XXXX to get my account fully paid and closed. 

From XXXX/XXXX/XXXX until the account was verified closed on XXXX/XXXX/XXXX. I never received any correspondence relating to a bill, an outstanding balance, a delinquent account, etc. No emails, no phone calls, no letters sent to my home address. 

I was told by Capital One that I didnt receive any notifications relating to my outstanding balance because I had opted into Wireless Billing. I was surprised to learn that fulling closing an account does not also terminate your wireless billing agreement. 

I asked Capital One why I didnt receive any emails corresponding to this outstanding balance because I was in frequent contact with them through email before the incident. They explained that emails were nothing more than a courtesy and that they probably stopped emailing me because I closed the account. 

Thus. I feel like my credit score was adversely affected because Capital One failed to adequately notify me that something was wrong with my closed account. I understand that I am responsible for all charges made on a credit card but this situation is crazy. I feel like Im the victim of some random companies obscure online policies that is now affecting my ability to obtain a house. Etc. 

This event has forever changed the way I deal with a credit card company. I will now call them multiple times to verify and re-verify that payments have been settled and no debts are do.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Credit line increase/decrease

Complaint: This is concerning synchrony bank account thru Walmart for {$1500.00} credit line ... A continuance of XXXX bank account issues. I 'm paying 22 % interest on the Walmart card but the told no interest can be paid till the balance is paid off but again I am charged 22 % interest on the balance monthly.. I 'm to be paying {$25.00} per month minimum I 've been paying {$40.00} collars average for months.. XXXX wo n't help me completely pay off the balance, so that I only owe XXXX place. Soon when they say that they understand, thats false because if the cared and understood then they would helphelp me out without the excuse that I am struggling ... Yes I am struggling.. Me I am struggling not the payments, those are ok but to assist I 'm to pay both, paid more then enough by the VA to afford it all but want XXXX to assist so that I only have XXXX debt that the VA pay can cover the other excuse I was given if something happens I ca n't pay.. Yes I can the VA pay is for life and direct deposit to my accountBut synchrony bank I charing me total 44 % interest 22 % monthly now and 22 % when the whole balance is paid off but if its accruing interest now till I go to pay it then I 'm being XXXX taxed on interest I 've tried to get heard but no one is concerned they are paid. But how to get the account gone I 'm trying to do the intelligent and I need assistance but everybody does n't care who is a real supporter

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian has been reporting XXXX XXXX XXXX for 5 years, has been investigated more than 10 times and each time verified false, fraudulent, incorrect and incomplete information.THIS ACCOUNT FURNISHER has violated the spirit and the letter of the law in the 2009 Credit Card XXXX dollars was paid in XXXX checks to open the account ( violates statute by excessive amount ) XXXX illegal internet access charge was made ( violates statute ) XXXX late fees are excessive ( violates statute ) the information on the credit report is based on activities that include the illegal charges so the balance is inflated. 
there is no DOFD on the report, the amount of last payment is not listed, the scheduled payment is not listed ( used to determine excessive late fees ) .I have attached all account history and legal references in the form of the statute, the CFPB guide, and the Federal Reserve COMMENTARY on the final implementation of the 2009 CREDIT CARD ACT. 
ALL VIOLATIONS ALSO VIOLATE THE FCRA AND FDCPA ON THE PART OF EXPERIAN AND XXXX XXXX BANK, RESPECTIVELY. 
THE BUREAU AND THE FURNISHER ARE NOW FINANCIALLY LIABLE REGARDLESS OF ANY DELETION, CORRECTION OR FUTURE ACTION.I SUGGEST EXPERIAN LEGAL TAKES SOME ACTION FOR KNOWINGLY ABETTING A FURNISHER IN EXTORTIONATE ACTIVITY AND FOR FDCPA,2009 CREDIT CARD ACT AND FINALLY THE FCRA OF WHICH WAS WRITTEN FOR THEM.. 
A JURY PUNITIVE AWARD IN THIS CASE COULD BE SIGNIFICANT! 
ENJOY THE CLEAR AND CONVINCING EVIDENCE AND DO WHATEVER YOU WANT WITH IT.The federal reseve investigator is finding more to hang you with.

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 07-05-2016 about Credit card () with AMERICAN EXPRESS COMPANY (AZ).
Issue: Customer service / Customer relations

Complaint: I was notified by XXXX and American Express ( AMEX ) that XXXX would be handling XXXX credit card accounts starting XXXX XXXX, XXXX. In early XXXX I received new XXXX XXXX cards ( personal and business accounts ) with the XXXX logo. I went online as instructed to register with XXXX that I had received the new cards. On XXXX XXXX I attempted to use the new XXXX XXXX cards but they did not work. I contacted XXXX first and they had no record of the cards. After many conversations with XXXX, AMEX and XXXX I was led to believe that AMEX decided no to sell my account to XXXX. At first AMEX told me they wanted to keep my account because I had been such a good customer since XXXX. I explained to the AMEX customer service rep that I had already opened a new AMEX Simply Cash card account and that I also had AMEX XXXX and AMEX XXXX XXXX co-branded cards. I further explained that I did need a fourth AMEX account and that I wanted my account transferred to XXXX as I was originally told. AMEX also told me on XXXX XXXX that XXXX was having technical issues and that my account should transfer by XXXX XXXX or XXXX at the latest. I checked back XXXX XXXX and AMEX told me that some of the accounts like mine would not transfer until early XXXX but I would get an email on XXXX XXXX explaining what would happen to my account. When I did n't receive an email from AMEX on XXXX XXXX I called again and was told my account would not transfer because XXXX refuse my account which XXXX adamantly refutes. I had credit lines totaling over {$100000.00} with AMEX and an XXXX FICO score. AMEX told me on XXXX XXXX that I would be mailed a letter that day explaining why my account did n't transfer and detailing my options. I received the letter on XXXX XXXX but there was no explanation. I called customer service again on XXXX XXXX and asked that I be given an explanation but AMEX refused. I was forced to apply for a new credit card with XXXX ( which was instantly approved ) but I did n't want to have that on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX I have notice over five inquiries on my credit report which i did not give any permission. 

there were no permissible purpose in which any of these companies to pull my credit and or place any inquiries and 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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Experian makes it impossible to cancel monitoring accounts. While you can view your account on their website, they make you speak to a representative on the phone to get your account cancelled. Unfortunately, their " customer to service '' number seems to consistently have wait times over over an hour. I'm on my third attempt today reach someone right now, as calls keep mysteriously disconnecting. First two attempts reported " over 1.5 hour wait time '' and now its saying " over 1h45 wait times ''. Tying up my phone for half the day because they won't offer a convenient way to cancel your account is infuriating. Even more so since the call has disconnected multiple times now. If they truly were interested in customer care and were aware of these delays they could adopt a call system like the banks and airlines use that call you back when you're up in queue. This is $ XXXX/month of scams

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 03-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: First of all thank you for responding my complaint, NATIONSTAR MORTGAGE LLC responded to me stating they do n't have anything to do with my loan due to the INVESTOR THE BANK XXXX XXXX XXXX own my property now.Nationstar Mortgage LLC. wanted me to informed CONSUMER FINANCIAL PROTECTION BUREAU about THE BANK XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, XXXX, NEW YORK XXXX. 
TEL. XXXX XXXX XXXX XXXX Although Nationstar Mortgage LLC agreed they will be responsible for responding to any concerns regarding the servicing of the loan which include ; 1.Validation of debt in which untill now they did not respond to my request dated XXXX XXXX. 
2.Forclosure process - I was sending documents Nationstar Mortgage LLC., last document dated XXXX but i was already forclose XX/XX/XXXX without giving me a notive.DUAL TRACKING. 
3.Payment assistance and modification-I was denied every time, not giving me a chance and I did try my best to make up payments. 
Again NATIONSTAR MORTGAGE LLC adress XXXX. XXXX XXXX, XXXX TEXAS XXXX, telling me we have to deal with THE BANK XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed ChapterXXXX bankruptcy on my accounts in 2005, which I 'm NOT of proud ; but during this BAD TIME I lost a high paying job and got divorced, which left me no other choice but to file!!! Then 9.5 years later after I am finally getting my life back on track a collection company sends me a THREAT letter that I need to pay on an account included in my bankruptcy, and I have PROOF of this. I called them and they say they will clear this up, but since they did n't ask for PROOF even though I offered CASE # and Amount paid just to prove myside, but got worried that I offered more than they asked for. I want to make sure I 'm NOT BRING SCAMMED - Thank You for your help!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This is in response to an earlier complaint ( Case number : XXXX ) that is still not fully satisfied. Citibank continues to send my mail to the wrong address, despite several phone calls and the previous official complaint. How many times do I have to try to get them to make this one simple change? Further, Citibank seems to be unwilling to explain to me how a person can activate a stolen credit card without my knowledge or permission, as requested in my previous complaint.

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 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX, I received a phone call from XXXX XXXX, my mortgage company, about a disaster forbearance due to Hurricane Harvey. During that time I was told that no payments would be due on my account and that no credit reporting would done. At the end of XX/XX/XXXX I received a letter that stated my disaster forbearance would end on XX/XX/XXXX and at that time the total sum of my account would be due in the amount of {$1500.00}. Because XX/XX/XXXX was a holiday and offices were closed, I called XXXX XXXX on XX/XX/XXXX and paid the requested amount of {$1500.00}. On XX/XX/XXXX, I received a credit monitoring notification that there were changes to my credit report. When I checked my credit report, it was noted that XXXX XXXX reported my mortgage account as delinquent 90-119 days past due. I then placed a call to XXXX XXXX  and spoke to a manager regarding this matter. I was told that they were aware of the problem and an issue with their system prompted the system to subsequently report all customer accounts that were on disaster forbearance as delinquent for more than 90 days. I was then told that a task was sent on my behalf to their credit reporting department to have the incorrect reporting updated to adequately reflect no late payments. I was also given the name and fax number of a XXXX XXXX and was told that as an added measure, I could submit a letter to her in an attempt to expedite the matter, which I did. I made subsequent phone calls to XXXX XXXX  regarding this matter to have the same answers regurgitated and no action taken. This reporting has dropped my credit score over 100 points and even further dropped my credit score by having my creditors reduce my credit limit on current accounts thus increasing my utilization rate on these cards. This has also made me have to put a needed car purchase on hold as my credit score, as it stands would cause me to have a higher than wanted interest rate and down payment. It has been past 30 days and my credit report continues to reflect an account that is 90-119 days late. 
A more thorough review noted that XXXX XXXX has reported my account as 30 days late for XX/XX/XXXX, which is also incorrect. 
I have disputed this information with the credit bureaus and submitted proof of the letter received and proof of payment, it has been past 30 days and nothing has been removed from my account

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 09/13/2016 about Other financial service (Check cashing) with TD BANK US HOLDING COMPANY (NH).
Issue: Excessive fees

Complaint: Received a check from a customer of mine. Their check was from TDBank for {$86.00}. So I went to TDBank to cash it, thinking that is where it was drawn ... TDBank was going to charge me a {$7.00} fee to simply cash the check! When I gasped, they told me this is an industry-standard fee! Not at my bank! 

For people unfortunate enough to not have a bank account, this is highway robbery!! There should be somewhere people do not have to pay a " poor tax '' just to get access to their own money! 

I personally bank with XXXX, the oldest credit union in the US and they have NO FEES -- other than overdraft fees, but theirs are among the lowest in the industry and they offer an even lower fee option when you link your savings to your checking. They offer all kinds of online banking, a smartphone app for mobile banking, great customer service, local and national discounts on insurance, travel, and other perks, convenient locations to me and travel support, so I know where to bank less expensively when traveling outside the US. 

So far I love everything about XXXX and would never bank with a such a short-sighted, fee-first company as TDBank!

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: TransUnion credit bureau denies receipt of a request for deletion of a collection account from XXXX XXXX XXXX. XXXX XXXX XXXX informed me they sent the request on XXXX/XXXX/16. Today, XXXX/XXXX/16, XXXX XXXX informed me they sent a request to all XXXX credit bureaus a total of 3 times. XXXX XXXX is a 3rd party vender for the city of XXXX XXXX, who issued me citations because a tenant failed to water the lawn. I paid the citations in early XXXX, 2016.

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 05/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SUNTRUST BANKS, INC. (GA).
Issue: Settlement process and costs

Complaint: The borrowers have been paying diligently on an interest-only agreement since XXXX XXXX, XXXX. Per the hardship letter the monthly payment of {$2100.00} is difficult to pay during the remaining months of the interest-only period and will be even more difficult to pay after the period ends and the monthly payment increases XXXX XXXX, XXXX. So they submitted an XXXX to the lender. 

The borrower was offered a new agreement. The proposal is a short term agreement that will put the mortgage back into a foreclosure situation because the hardship is permanent. 
They completed credit counseling and a household monthly budget with a HUD approved agency. The final analysis for the brrws budget calculates a 61 % front end ratio which increased due to the loss of over 25 % of their income over a 6 month period. The brrws have reduced their back-end ratio by paying down credit cards and medical bills. 

The brrw submitted an appeal. The appeal is below : After reviewing the current Loan Modification Agreement it is my decision to appeal this offer for the following reason : Our XXXX agreement lead us back to this point because the payments were not fixed and continued to rise back towards the original payment. We are seeking a modification for a fixed term so that recurring foreclosure proceedings will be avoided. The offer presented to us pushes us back into foreclosure proceedings over time because the hardship is now permanent. 
We were unclear of the terms because at first glance it appeared that our rate was reduced to a price that was affordable reflected on the document dated XXXX XXXX, XXXX informing us of the XXXX original Loan Modification Agreements : ( pageXXXX XXXX ), however after reviewing the Loan Agreement on ( pageXXXX-XXXX ) we realized that as the rate increase that it will lead us back to our current state resorting towards foreclosure. 
As we appeal this process we are going to escalate our efforts to our congressman to help us in our process to save our home. It is our prayer that you would reconsider this offer and seek to offer us a fix permanent solution to save our home and avoid foreclosure. 

The brrw is a XXXX Veteran and was advised by the Veterans Affairs office to seek assistance from the local Congressman 's office. The Congressman office sent the appeal to the servicer and within 3 weeks the appeal was rejected and denied by the investor. Because the hardship is now permanent, the brrws do not feel that this agreement is a fair proposal to help save this property from foreclosure.

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