milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2016 about Mortgage (FHA mortgage) with BROKER SOLUTIONS, INC. (CA).
Issue: Settlement process and costs

Complaint: Last year we refinanced our mortgage with New American Funding to pay off some debit and potentially drop our mortgage insurance. The beginning of the process was promising but that quickly changed. The loan officer we dealt with was XXXX XXXX, there were many problems with the loan, XXXX being they said they were not going to go forward with our loan after they charged the appraisal fee because our current mortgage company reported we were 30 days late. After speaking with XXXX and XXXX and I believe XXXX other person explaining we had never been 30 days late I had to take matters into my own hands. I printed my own credit report which shows perfect payment history but that was n't enough luckily a wonderful person at the current company confirmed I was correct. XXXX and his team made no effort to fix this simply wanted to call it a day and cancel loan. The loan moved forward, we wanted a fixed loan of course because its common knowledge that ARMS are not always a good idea but XXXX promised that because we were doing business with New American Funding which does everything in house, we would easily be able to refinance again in 6 months at no cost and streamlined into a 30 year fixed and he would personally call us in 6 months to make sure this is taken care of. We trusted him after much going back and forth with him and moved forward. Of course 6 months later we heard nothing, I contacted XXXX who referred me to another officer in XXXX beach because he had been promoted to sales manager or something to that nature. The man in XXXX informed me that what I described is not something they do I would have to do a new refinance which would include all the normal fees and it would n't benefit me so to just give it a year or so. In addition to these problems we also did n't receive the same amount of cash promised at closing and when I began asking questions I was told " it will all shake out in the end '' I will get additional funds in the mail from escrow, XXXX of course nothing ever came. This was our first time refinancing and am sorry this was such a horrible experience and feel as though we were taken advantage and probably was told anything to keep us going so he could meet a quota, after all he did get promoted very shortly after our loan closed. We are now forced to refinance again to make sure we can keep our rate low and locked due to our income and pay thousands more that we truly do not have. I hope others can learn from our situation and New American Funding can enforce integrity as well as better customer service with their loan officers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Student loan (Federal student loan servicing) with ACS Education Services (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have had XXXX problems this calendar year with my student loan lender misapplying funds for a consolidated payment paid by personal check. I have XXXX federal loan and several private loans consolidated into XXXX payment, which has been the case since XXXX. The first time there was a problem in XXXX, the lender moved XXXX penny from the federal loan to one of the private loans, and put the federal loan into past due status. This was resolved during a telephone call but I am very concerned about what led to the company tampering with the payment. Also, I discovered this problem when I received an invoice for an odd amount, and called them, at which point I was advised that I was past due. This lender always confirms check payments by email and telephone payments by letter or email. In the case of this overdue status, I received no communications about the problem. All of my email and other addresses are current. In XXXX, XXXX, I again received an invoice for an unusual amount and called them to inquire. This time, they are claiming that the check I sent was deficient in the amount of {$.00}. This is wrong, I have the XXXX statement, and I wrote the check for the correct amount. As a result of their error, I was put into past due status on XXXX private loans. I corrected this on the telephone by making a {$1.00} payment to each loan. I am very concerned about these repeated errors, and the failure of the company to notify me when there has been an issue. I am also concerned that their errors could impact my credit rating. I have not made a late payment in the 14 years that I have paid on this loan. Earlier this year, I paid off one of the private loans and it was shortly thereafter that the problems began.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (CT).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I sent out my mortgage check ( check # XXXX - {$1000.00} ) via mail paid to the order of Connecticut Housing Finance Authority on XX/XX/XXXX. The address on the envelope was incorrect and got sent to an address to a Towing Truck Company. On XX/XX/XXXX, the check was cashed and my funds were released to I presume the Towing Truck Company through a XXXX XXXX XXXX in Illinois. My mortgage company did not receive any type of payment for that month. I also want to note that check XXXX was not endorsed and Citizens released the funds anyways. On XX/XX/XXXX, my bank, Citizens, sent a letter to XXXX XXXX XXXX about this transaction. I was told that XXXX has 90-120 days to respond. Tomorrow would be 90 days so I called Citizens to get an update. They told me that they contacted XXXX yesterday and XXXX told them that they " lost '' the claim, so they faxed them it again. I contacted XXXX today and I was on the phone with them for almost one hour, handed off to 4-5 different people, me telling the same story and getting the same response. I told them I have had enough and that I will be pursuing legal action. So just to make sure I contacted my mortgage company to inform them that I will be making a formal complaint against XXXX and Citizens. I wanted to give my mortgage company a heads up just in case they get asked questions regarding my situation. I was put on hold and she told me that XXXX reached out to them on XX/XX/XXXX in giving me a credit of the full said amount and that the cashiers department in my mortgage company is working on getting a credit applied towards my mortgage. I was told by my mortgage company that to give them a couple of weeks to check back to see if my account has been credited. Today, XX/XX/XXXX I contacted my mortgage company and they said that XXXX will issue the refund towards my citizens bank account. I called Citizens and they have not heard from XXXX since XX/XX/XXXX. I told them what happened when I talked to my mortgage company and they will reach out to XXXX today. I then called XXXX and told them I was reporting them to the CFPB and to put that in their notes. I am appalled at the lack of competency in the 4-5 XXXX customer service representatives to tell me that the issue was supposedly resolved, but there was nothing in their files, but clearly is not resolved. There is no reason why this is taking so long. I am disgusted by XXXX and Citizens on how they are handling this claim. Both parties were incorrect and I question the training of the employees of both companies. I just want my money back that is owed to me so I can move on with my life. Attached is the letter from Citizens reaching out to XXXX on XX/XX/XXXX. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX. The credit bureau is refusing to remove two bankruptcies from my credit report that are not my accounts. I have never submitted nor filed for bankruptcy in my life. I am XXXX years old and I've been dealing with credit for a very long time. A recurring issue I've had to fight with the credit bureau about is that they will report other persons' accounts on my credit that are not mine. This has happened to me before and is the exact same situation that is happening with these two bankruptcy accounts. The first one has a filing date of XX/XX/XXXX with reference #XXXX. The second one has a filing date of XX/XX/XXXX with reference #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 05/21/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (MT).
Issue: Taking out the loan or lease

Complaint: In 2014 I purchased a XXXX XXXX exercise machine for approximately {$3000.00}. I was offered a promotional no-interest finance arrangement. I asked for and was told that the monthly payments would cover the promotion period and that I would not be charged any interest as long as I made those payments and that this would cover the purchase in full. I unfortunately did not pay close enough attention because this was apparently not done. Now I discover I have paid over {$1800.00} in interest and still owe {$2100.00} on the note. I offered to pay the remaining principle balance of $ approximately {$1100.00} but was told this would not satisfy the obligation. I am being charged 29.99 % interest on the unpaid balance. I told them this was unacceptable, if not criminal, that I was misinformed or lied to and that I would not be making any further payments.

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 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EARLY WARNING SERVICES, LLC (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: E arly Warning continues to list an account I had with XXXX XXXX XXXX as fraud-related. I 've attempted numerous times to have this negative listing removed to no avail. I 've initiated disputes with Early Warning and XXXX XXXX XXXX and both have refused to remove the inaccurate listing.
There is no evidence of a debt owed and no evidence of fraudulent activity. I 've contacted XXXX XXXX XXXX and they have either refused to provide any documentation or they are unable to provide documentation proving the claim or the accuracy of the negative item. The listing remains inaccurate, incomplete and not verified.
My last communication with Early Warning was on XXXX XXXX 2017, in which I requested removal of the XXXX XXXX XXXX account. To date, this negative listing is still on my consumer report and is severely impacting my banking abilities.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was deceived and bullied into default by wells Fargo Home Mortgage. 

I have sent so many complaints and all that is being done, is my information is sent to them. I would like to have assistance in suing them, I 'm not going to stop until they resolve this problem they created.

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 04-06-2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (GA).
Issue: Managing the loan or lease

Complaint: WestLake Financial is a predatory high interest lender and they approved our loan initially. After approval, they claimed that the first payment was late so we have to return the loan back in Full with their additional Processing Fee. We contested the processing fee but they wo n't budge and threatened to file a lawsuit and even started sending us legal notices in certified mail. We return the loan along with the processing fee. In the mean time, there were 2 monthly payments that were made. When we asked for those Monthly payments to be returned, they flatly refused claiming that they do n't return any Payments despite the fact that Loan was Paid in Full without any deductions for monthly payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: I HAVE SUBMITTED THIS COMPLAINT A FEW TIMES AND XXXX AND EQUIFAX REFUSE TO FIX IT. ON ONE OF MY CREDIT REPORTS, I BELIEVE IT IS XXXX THEY EVEN SAY " THEY CAN NOT VERIFY THE INFORMATION '' BUT THEY STILL LEAVE IT REPORTING NEGATIVE ON MY CREDIT REPORT. XXXX XXXX IS BEING LISTED AS A SERIOUS LATE PAY AND IT IS HURTING MY CREDIT WORTHINESS. I SUBMITTED THE COMPLAINT TO XXXX AND THEY RESPONED TODAY BY REMOVING IT AFTER AN INVESTIGATION WAS DONE AND THEY COULD NOT VERIFY IT AS BEING LATE. THE LAW SPECIFICALLY SAYS IF IT CAN NOT BE VERIFIED WITH DOCUMENTED PROOF THAT IT NEEDS TO BE REMOVED. I AM ATTACHING PHYSICAL PROOF FROM XXXX THAT THEY TRIED AND WERE UNABLE TO VERIFY IT SO THEY REMOVED. IF XXXX XXXX DID NOT RESPOND TO THEM THEN THEY ARE NOT RESPONDING TO THE OTHER BUREAUS. I AM DEMANDING THAT THE NEGATIVE REPORTING OF XXXX XXXX BE REOVED FROM XXXX AND EQUIFAX 'S SYSTEMS IMMEDIATELY. THEY HAVE NO WAY OF VERIFYING IT BECAUSE IT WAS NEVER LATE. THIS IS MY 10TH TIME TRYING TO GET THEM TO EITHER VERIFY AND SEND ME DOCUMENATION FROM XXXX XXXX OR REMOVE THE ITEM. THEY ARE INTENTIONALLY PUTTING THIS ON MY FILE TO HURT ME AND THAT IS AGAINST THE LAW. REMOVE IT NOW, AND DO NOT PUT IT BACK ON. SEE THE ATTACHED PROOF THAT XXXX  INVESTIGATED AND COULD NOT VERIFY AND IF THEY CAN NOT THEN YOU CAN NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PR).
Issue: Account opening, closing, or management

Complaint: In the month of XX/XX/2015, my email address ( XXXX ) was hacked and used to send messages to people associated with my business. At that time, transactions for the purchase and sales of products were made. The hacker forged the identities of our customers and suppliers, creating email addresses similar to those recorded in our email account, which they then used to communicate with our customers, our suppliers, and us. 

The hackers fraudulently and inexplicably opened XXXX ( XXXX ) accounts with WELLS FARGO BANK in XXXX XXXX, California.

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 06/23/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (TX).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Citibank at XXXX. XXXX XXXX, XXXX, OH, XXXX ; controls my Macy 's card and my Home Depot card. I emailed both businesses to let them know I am the victim of Identity Theft and Computer Hacking. However, they refused to work with me and the employees that I have arrangements with do not have the authority to make any such arrangements at all. The F.B.I. sent Citibank and the creditors themselves letters stating that the have the criminal in custody awaiting adjudication. None of this has stop their harassment, or their refusal to make arrangements that I can afford. This added XXXX by their continued harassment can XXXX XXXX as I have had XXXX XXXX in XXXX that I should n't have XXXX and a very XXXX XXXX in XXXX. Their employees are rude, do n't want to allow you to finish a sentence, which enrages me so that I can finish a sentence without their constant interruptions and demands that are unreasonable. I 'm currently living on {$300.00}, and they want $ XXXX a month. This is unbelievable.

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 10-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I closed a credit card account ending in XXXX from Capital One in XX/XX/XXXX. I paid the balance off and received a refund check in the amount of {$2.00}. However, 5-6 months later I received a notice that I had charges on that account. I did not authorize these charges and do not understand why they were there. I have contacted Capital one on several occasions, culminating with a letter dated XX/XX/2017, where I asked them to 1 : Confirm that the account is closed as requested 2 : Remove any fraudulent charges on my account and remove the negative comments on my credit report 3 : Due to the stress of this situation and its impact on my credit score, resulting in me getting denied a credit card with a better rate due to my credit score. I am asking for {$1000.00} for the hardships of this situation. 

Currently I have a balance of {$100.00} and they have notified the credit agencies that I am late on this payment. This should not be happening

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was first sued 9 years ago by a credit card company. I was sued again this year and never got the supenoa. My checking account is now frozen. The money that is frozen is not mine but my husband 's direct deposit paycheck. The account is a joint account. I do not have a job. I am XXXX but not receiving benefits yet. I called the debt collectors attorney but they refuse to tell me anything. They are holding all the money and we have none for food for us and our XXXX XXXX XXXX daughter or rent or for gas for my husband to go to work.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Other debt) with Penn Credit Corporation (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a form collection letter from a company called Penn Credit Corporation stating I owed {$160000.00} in back taxes. I immediately called the company as I do n't owe the State of Maryland anything. According to the company 's form this goes back to 2009. I live in MD for four months temporarily in 2009, my employer filed the -2 and my tax accountant filed all the necessary tax returns. I can not get this company to call me back. I only get a recording that does not announce their name and asks the caller to leave a message. I was becoming more suspicious of this company/activity as I researched further. I called the State of MD Controllers office and they put me through to Tax Services. I gave them the information on the form letter and the woman on the phone said that this must have something to do with the audit of the Stats of Maryland and they could n't find documents. I asked her when that became the taxpayers problem that they could not locate records and she of course was less than useful. I asked her where balance due came from on the collection notice I received and she said " they just put my income in there ''. I asked her again where the income on the collection notice came from where because I did not make that much money in the state of MD and wish I would have. Again no help, no answers. This is unacceptable and as of today, Tuesday, XXXX XXXX at XXXX I have not heard one word from Penn Credit Corp .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to resolve my housing tragedy caused by the city of XXXX and lender, CitiMortgage but not getting any cooperation from the city or response from the CitiMortgage. It is unfortunate that instead of supporting me, my lender joined with the city of XXXX in selling my property at XXXX and XXXX, XXXX. I paid mortgage for 22 years, out of 30 years loan and {$130000.00} to be paid ( balance ) and CitiMortgage failed to do its fiduciary duty to me and conducted unfair business practice and received the balance payment behind my back. There is a code violation allegation by the city of XXXX, who designed a concocted case against me, still I deposited {$170000.00} cash for repairs but the city did not repair the property, kept my cash money, sold the property and kept the sale proceeds. The CitiMortgage did receive the balance payment of {$140000.00} from the city and the receiver and ignoring my rights and their duty to protect my properties despite my many formal and informal requests. The CitiMortgage failed to give me loan or legal representation to preserve their interest at the property because large amount of equity, about {$1.00} XXXX at that time and they did not care about my property rights and equity and received their balance payment because they colluded with the city. I had only {$130000.00} to {$140000.00} balance where I had a cash of {$170000.00} deposited to the escrow account of the receiver. I could have paid the balance from escrow account if they had cooperated with me. I requested for refinancing of the property, partial funding from the federal government but the CitiMortgage did not cooperate and collected 7.5 % interest when I was entitled to get 3-4 % interest. In XX/XX/XXXX, refinance request did not materialize because I was over XXXX years old when they found out that my income ratio was adequate to qualify for loan modification. They continue to receive my mortgage payment between XX/XX/XXXX to XX/XX/XXXX when the house was seize and close by the city of berkeley. CitiMortgage is fully aware of the closure of the house and City 's allegation of zoning violation but they took no action despite they acknowledged that they received all the notices. I am requesting you to investigate this fraudulent action of the city of XXXX, receiver and CitiMortgage and return my house. I am attaching a declaration of XXXX in support of my request for investigation of the fraud against 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