milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Selene Finance LP (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: PLEASE DO NOT REJECT THIS COMPLAINT. THE LOAN/ACCOUNT IS IN XXXX XXXX XXXX NAME AND I 'M XXXX XXXX THE RIGHTFUL OWNER AND THE ONLY OWNER TO THE PROPERTY SECURED BY THE CURRENT LIEN. I 'M NAME IN THE FORECLOSURE ACTION / LAWSUIT AND I HAVE ATTEMPTED TO RESOLVE THIS MATTER. 
I have tried to save my home for nearly 2 years or more now. I have continued to receive the runaround from the following parties XXXX XXXX with The XXXX XXXX, Selene Finance and their various representative, XXXX Mortgage XXXX XXXX. I provided all the documentation that was asked of me to include a plan to resolve the mortgage and unfortunately no one has responded back to me. The loan is currently in the name of party who is non responsive however through a court order the house was awarded to me. Please help, I want to save my home and I can afford it. See all documentation and communication.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: Hi, I had a checking account at Citi and have a credit card. I opened my online account to monitor my credit card account first, then linked the checking account. Later, I closed my checking account. When I logged in my online account, they removed my credit card account access. I was not informed ever that I would not be able to access my credit card thru online account if I close the checking account. There are so many cyber crimes. Daily monitoring of credit card is very important. How the large bank makes such a unreasonable act. Closing checking account make impossible to access the other credit card information without any disclosure. They should not make such block or at worst it should be disclosed.

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 03/15/2016 about Bank account or service (Checking account) with NETSPEND CORPORATION (AL).
Issue: Using a debit or ATM card

Complaint: The tax preparer that I went thru this year used my card with my refund and made several purchases in XXXX XXXX without my authorization. He then sent my card with all his personal information tied to it. I called net spend and was able to get my personal information in AFTER having my account frozen for a couple of days. I just ask that I 'm given what is rightfully mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX disclosed that I was paying significantly higher insurance premiums due to information in my credit report. They arranged to have TransUnion ( TU ) send me a copy of their report. I had never seen it before and discovered that it had highly inaccurate, false and misleading information which appeared to leave a 10-year " gap '' in my record. The proper explanation is that : in XX/XX/XXXX I was upgraded to an XXXX XXXX XXXX XXXX XXXX XXXX with high credit limits replacing my original XXXX card started in XX/XX/XXXX. It became my primary credit source for the past 16 years. The face of the card clearly states that it continues my XX/XX/XXXX membership. TransUnion erroneously reports only the old card which was superseded in XXXX XXXX as having a {$0.00} credit limit and closed 10 years later in XXXX XX/XX/XXXX without explaining the actual change which took place. On XXXX XXXX I called TU about XXXX-XXXX AZ time and talked to XXXX . I asked that TU provide the above explanation as to what really happened to the old card EITHER by verifying it with XXXX Credit Bureau ( whom I authorized to give information to TU ) OR by allowing me to provide such a statement correcting my credit report. I then talked to his Supervisor, XXXX, who confirmed to me the points listed below which were stated by the TU rep accuratly reflect TU 's policies. I believe these stated policies conflict with my rights under FCRA. TU 's policies are : 1. TU is mainly a reporting agency of data given them by whichever creditors chose to file periodic reports. It is " not our job '' to seek out or investigate any missing information brought to our attention which might adversely affect a consumer 's credit record. 2. I asked how I could proceed to file a grievance or appeal on the omitted information. I was told that TU does not have any such procedure for doing this. 3. I asked if I could provide a brief statement giving the true and correct description which explains that certain credit information is omitted and why. I was told that consumers are not allowed to give their side of any dispute or denial.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone had used my information for XXXX and it resulted in over {$3000.00} in debt that is WRONGLY effecting my credit. I had contacted XXXX and even got a lawyer to help me remove this from my credit but have had no luck getting a response from Pinnacle Credit Services. I am now going to get a notarized letter from my lawyer and I and send that to them. Not hearing from them should indicate that this needs to be removed since they are not willing to work with me. This debt is NOT MINE and Pinnacle Credit services has done nothing to right this wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (PA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Quicken Loans DBA Rocket Mortgage NMLS ID : XXXX lists a 15 year conventional mortgage rate of 3.25 % with 2 points. 

Description https : //www.quickenloans.com/XXXX XXXX5-Year Fixed-Rate Mortgage : The payment on a {$200000.00} 15-year Fixed-Rate Loan at 3.25 % and 75.00 % loan-to-value ( LTV ) is {$1400.00} with 2 points due at closing. The Annual Percentage Rate ( APR ) is  3.704 %. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. 


On Monday XX/XX/XXXX Rocket mortgage ran a cyber Monday promotion with the following details : *Client will receive an additional XXXX discount points. Offer is valid on Rocket Mortgage applications received between XXXX ET and XXXX ET on XX/XX/XXXX. This offer is only available to clients who complete the " Lock My Interest Rate '' step of the application process on the Rocket Mortgage website. Applies to refinance loans in the amount of {$100000.00} or greater only. Offer does not apply to jumbo loans. Additional restrictions/conditions may apply. Not valid with any other discount or promotion. 


Upon completing their application I was not offered the discounted rate.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Mortgage (Other mortgage) with Seterus, Inc. (CA).
Issue: Credit decision / Underwriting

Complaint: After being fully discharged from a Chapter XXXX bankruptcy, and XXXX loan representatives signing legal documents that the debt had been cured, Seterus, Inc. has failed to fully discharge the account, complete " cram down '' and issue me a Full Reconveyance. I was only made aware of this lien when I ran a credit check listing Seterus , Inc. as a stakeholder. I question the legalities of all practices, I have provided the company with formal dispute and court documentation which they have failed to comply with. I have been given conflicting information from, rude and ill trained representatives. I have been assured several times over that an " expert '' whom I have XXXX access/communication with is working on my case. I have been hung up on or disconnected after hours of being on hold, only to speak with a representative of a department that I did n't even ask for. I do n't understand why a company like this is still able to practice and take advantage of people who are already consumed by other financial issues.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There is a derogatory remark on my credit report that involves a tax lien that has been released. The tax lien was reported to the credit reporting company in XX/XX/XXXX. The lien was resolved and released through the filing of a previously missed tax return several years ago. The credit reporting company shows the lien as released but the derogatory remark regarding it remains on my credit report as of today, XX/XX/XXXX. I lodged a dispute with Equifax earlier this year but I have not heard back from them. I have not lodged a dispute with XXXX, believing the derogatory remark would be removed due to its age. However, the derogatory remark remains on both credit reporting reports.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: my apr is 0 % when i opened this account i sent letter via ua mail tracking # XXXX. letter stated i dont agree with the apr increase to 22+ % and the monthly payment increase and i will continue my monthly payment {$60.00} a month. i dont agree with the monthly payment increase when i 1st got this account the payment was under {$60.00} and the apr was zero 0 %. the letter i got back said my apr is 22+ % and my payment has increased. it is not fair they can increase a payment any time they feel like. at this point i refuse to pay anything more then {$60.00} a month and dont care what they do to this account. i 'm not refuseing at my free will i just dont have the money to pay.

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 03/16/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: Pretender lender loan servicer " Ocwen Loan Servicing '' employee " XXXX '' returned my call, XX/XX/2017 at XXXX. I told XXXX she and Ocwen must stop committing fraud against me, attempting to seize my property I own free and clear., XXXX informed me that she and other Ocwen employees will continue to service the fraudulent pretender lender loan account. Totally delusional and a total waist of time. I will retain XXXX now and the other lawyers who will back up XXXX and take on the Ocwen XXXX. Jury Trial Requested!

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred to XXXX Mortgage on XXXX/XXXX/15. On XXXX/XXXX/15 I received a letter stating that my home was recently placed in a high-risk flood zone, and that they would force-place flood insurance on me if I did n't get it myself. My home is not in a flood zone ( I checked the FEMA maps ).

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a loan with XXXX XXXX XXXX for at least 10 years. No problems I sent in my mortgage on time all insurance and taxes were paid on time. They sold my loan to this new company Seterus. I NEVER received a welcome package. The only way I was advised my loan had been transfered was that my check for my mortgage was returned by XXXX XXXX XXXX with a letter with this company XXXX who is now my new lender. Well by the time my check was returned my mortgage was late. I called the number given me and a person reassured me that my loan " was n't in the computer yet '' and I would not be charged any penalties for being late. I have called them back Thursday to check what the status was. and now 2 months have gone by. I finally was able to send a check in and get an account number. Then they ask you to fill out a form on-line, so I did so. I tried to get back into the account after I was e-mailed an important message that I needed to check on the Seterus website. I logged in and it has me logged out. I called and luckily I punched the correct numbers ( the call center is just a bunch of recordings and if you punch XXXX it knocks you off the phone. ) I had been locked out of the account because I am not the account holder my deceseased husband is. Well my husband died 4 years ago, XXXX XXXX XXXX was informed of this and my mortgage was paid on time every month. I need some kind of help because they refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX Mortgage incorrectly reported my loan being late 30 days, after contacting XXXX Mortgage they provided me a letter to aid me in correcting the report quickly. XXXX XXXX and XXXX corrected the error and Experian is still not correcting it. I have called Experian 3 times and when requesting to speak to a manager have been told that no one is available, and even been argued with and refused to allow me to speak to a manager. 

It has been over 30 days since I submitted the complaint and still nothing has been done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: All of the medical bills on collection should have been paid off by XXXX. I have XXXX and because of my low income, they pay 100 % of my doctor and hospital bills. If the original billers would just contact XXXX, they would find out, and my credit would not be effected. 
Please, can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The agency will not remove multiple collection accounts from a single medical facility. I do not have multiple accounts with the creditor, but the collection agent is reporting multiple statement items as separate accounts. It is a single hospital they claim I owe money to, on multiple accounts, yet I am the only person who has received treatment so I can not be listed multiple times to unfairly prejudice my credit report.

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 06-06-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NE).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: First of All, al l of my loans are in default because  XXXX   XXXX  refused to work with me on consolidating my private loans, they would not help me to get payments to where I could afford them. I was NEVER told ever in the 10 years I have had the student loans that there were other options besides forebearance or deferement. I did those as long as I could until I could no longer do them anymore and then I just did nothing. In  2013 , I was working with Creditor, which I never should have because it was probably out  of SOL, but I  was told my wages would be garnished etc. I was lied to. This whole process started in  XXXX     2013. I w orked a deal with the creditor to lower interest rat e to .001 on private loans after making 4 qualifying payments of {$250.00}. Well I did that, in the mean time Navient t ook over and my interest rate never was changed I fullfilled my obligations they did not fullfill theirs. After repeated emails, and calls and being transferred to several people and no answers. It took 4 years, 4 years for them to figure out how to get my interest rate down to .001 %. I have yet to see any paper work to show that they took off all the interest that incurred during those 4 years as well as any late fees incurred. I have asked and none has been sent. Now they want me to renew my payments for another 2 years. I told them I need the payments lower as I now own a home and I already pay federal loans to Navient and customer service reps are very rude to me and refuse to work with me and lecture me on how I should have never been late on payments and how it can negitively affect  my credit score which only   ifurates me considering I have waited 4 years for them to fix this  XXXX . My mortgage is now twice as high as when I started making these payments I can not even afford to feed my kids. I have worked with them yet they STILL refuse to work with me and continually  XXXX    XXXX   XXXX  . I am tired of it and need something done or I am just going to try to get another loan an hire a lawyer. Something needs done to protest us hard working people who are trying to pay this back yet get NO help. I am NOT refusing to pay I am asking for a smaller payment. Federal loans go my my income and is way lower than what they want. I can also go on about  XXXX   XXXX  who also promised to place me in a job when I graduated and they did not do that either. They made many promises and promises to ma ke  XXXX - XXXX  g rand a year which is NOT happening. Anyhow any help you can provide would be beneficial.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Mortgage (Other mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a XXXX mortgage on a property that had a first mortgage held by Greentree/ Ditech XXXX I forclosed on the XXXX mortgage on XXXX XXXX the foreclosure waswas subject to making payments on the 1st mortgage. I have beenharassed by Ditech debt collectors. I can document that on XXXX occasionsthey received by Fax information from me showing I was the ownerof Record and that I needed information on the mortgage in order tomake the payments. They have never sent me information on thepayment amount/ balance amount etc. The payment amount keepschanging and they call me and tell me I am " late '' in paymentsbecause I did not send in the correct amount.They are adding feesand penalizing me and yet will not give me information on the amountof payment necessary. They harass me constantly by calling severaltimes a day. All they need to do is send me a statement outlining thepayment amount and interest rate and notify me if there is a change. 
The Ditech reps are rude and despite my asking have not sent meany information. I consider them abusive in their practices. I did seewhen I XXXX them that there was a {$48.00} XXXX judgement againstthem for unfair collection practices. If you can suggest a remedy Iwould be glad to try anything at this point. XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Eagle Accounts Group, Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: i try to dispute this trough XXXX severals times, specially my last dispute on XX/XX/XXXX was ignore, XX/XX/XXXX was ignore as well ( i even send the other party a letter on XX/XX/XXXX as well ) none of them reply : i tough they all should follow the law, none of was in compliance. ( see attach doc ), sometime they put the account as installment sometimes they reported as collection? this is account was never late ( i been paying my duty since 2009 and it was come in from my work directly ). i was never been notify by the company about any discrepancy, please assist.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Mortgage (VA mortgage) with LoanCare, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: LOANCARE, XXXX. XXXX XXXX, XXXX, VA is an absolute nightmare to work with. My home loan was sold from XXXX to this company and the experience has been absolutely terrible. I have never had an issue before contacting XXXX either by phone or online and have had zero issues with that company or making my home loan payment. 
I can not say the same for LOANCARE. I have not been able to contact them by phone or any other method in order to establish payment or create an online account with them to pay or check my account. This company is an absolute nightmare and the problem is compounded as I am at their mercy since these loans are bought and sold at whim it seams.

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 08-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: This complaint is in relation to my Capital One credit card. The payment due dates are always the first day of each month. On XX/XX/XXXX, I made my payment at approximately XXXX or XXXX XXXX, Central Time, where I reside. When I made that payment, the recording told me that my payment would post on XX/XX/XXXX, rendering it one day late. I understood that there was a late payment charge if I made the payment after XX/XX/XXXX. I immediately called customer service and they told me that I may not be charged a late fee and to wait for a billing cycle. Customer service indicated that they would reverse the late fee if it appeared on my statement because the payment was made on XX/XX/XXXX in a timely manner.
I received my XX/XX/XXXX statement and the statement included a {$25.00} late fee. I called customer service three times and they declined to reverse the late fee. They indicated that the payment was received after XXXX XXXX Eastern Time. Their cut off is XXXX XXXX Eastern Time. I told them that I reside in the Central Time Zone and in any event, the payment was made well in advance of XX/XX/XXXX. My statement reads " Electronic Payment Date XX/XX/XXXX '' and then posts for XX/XX/XXXX. I believe that this is a penalty and not a real fee to cover Capital One 's expenses.

Company response to consumer: Closed with explanation