milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2017 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I received an alert of a collection bill I checked my credit report and seen that this account from XXXX has report that I owe them which isnt true this isnt my account which I disputed back in XX/XX/XXXX and the item was removed now we are here in XX/XX/XXXX and they have place this account back on my credit report with a different balance. This has dropped my score so very much and this just isnt fair and something need to be done about this. Again this is not my debt and it should not be on my 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 explanation
Consumer complaint received 09/17/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: there was no reasoning with sallie mae they were ruthless threatened us would not take any partial payment

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: My loan was sold to Ditech Financial LLC. I have been trying to change my payment back to every other week from monthly. Although they state offering this service and have a corresponding form, they continue to reject my request and can not tell me the correct start date I need to put on the form with the appropriate day of the week for approval. They continue to reject the form stating I need a different start date or day of the week for the biweekly payments. They also requested that I pay an additional month in advance -- but instead of applying this to the biweekly payments- they took the money off of the balance of the loan and are now again requested an additional payment. Today I called their help number, but their computers are down and they ca n't see my account. Dealing with Ditech is like going to a dysfunctional circus. They will not benefit from me paying of my loan sooner -- therefore they are making the process very difficult.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: SPS has taken advantage of us twice. We are 3-4 months behind on payments because they messed up on a MOD that they will not correct. I have written a letter to XXXX XXXX today letting him know we want help.We just want them to correct their mistake and catch up out payments. They raised our interest rate 1.5 % in a new MOD. We didnt find that out until we made our trial payments. When we complained we went into review. Nobody told us to make payment while in review. Long story short if they would listen to their recorded calls theyd know they caused this. We 've been taken advantage of enough! Im tired of trying to catch these payments up with NO help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Settlement process and costs

Complaint: I applied for a refinance of my mortgage on XX/XX/XXXX. I was approved for the refinance and worked with the new lender to obtain the required documents. During their review, they found that Bank of America had a lien on the property from a home equity line of credit dating back to XX/XX/XXXX when I first purchased the property. This lien should have been released in XX/XX/XXXX/XX/XX/XXXX when we arranged a line of credit, also from Bank of America. I initially tried to contact BOA by email on XX/XX/XXXX. BOA replied that I would need to go in person to a branch to resolve this issue. I went into the branch at XXXX in XXXX on or about XX/XX/XXXX. XXXX, the branch manager was very helpful in attempting to resolve this issue. However, the mortgage department which needed to complete the removal of the lien was not as responsive. I was told that the mortgage department required 7 - 10 business days to resolve an issue. The first document which they sent, a discharge of mortgage, was for the wrong lien. They did not provide this immediately but rather required that I wait for it to come in the mail. Eventually, XXXX received a copy and provided this to me and I realized that it was the for the wrong lien. We had to start the process over again. Again, I was told that this would require a 7 - 10 day wait. I was given the name XXXX as the individual in the mortgage department who was working on this. I attempted to contact him directly but he was on vacation. I finally reached him and he told me that I needed the BOA work order number for him to be able to help me resolve this problem. I eventually received the release of lien on XX/XX/XXXX. I am writing to complain because my pending mortgage was subject to a rate lock. This lock expired on XX/XX/XXXX. Because the lock expired, I was required to pay {$2100.00} in order to obtain the originally agreed upon rate on the new mortgage. This delay was due to Bank of America 's inefficiency. I would like for BOA to reimburse me for the increase I had to pay to obtain the lower rate.

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 07/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was given questions to answer from Transunion however, one of the questions asked me to answer the county in which i lived? I know that I lived in XXXX XXXX, CA however, I did not know the county that city resided in! Then I was denied my free credit report as a result of it!!! I still want my free yearly credit report from Transunion!!!! This has happened to me from XXXX or XXXX and now from Transunion!!! I am tired of this being allowed to happen!!!! 

Thanks, 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 non-monetary relief
Consumer complaint received 09/15/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: SHERIFF SALE TODAY AT XXXX -Hi. I have been trying to work on a loan modification from Wells, Fargo. 
XXXX XXXX turned me down yesterday afternoon. He said he is investigating my complaints to you. He has not finished with the investigation and is still holding the sheriff sale on my home today. This is not right. XXXX people at Wells, Fargo gave me totally different answers as to why I was turned down ( XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 
In addition, I have received letters from XXXX XXXX acknowledging my inquiry. Every time I call her, I am told that she does not take calls - " she just writes letters ''. How can a XXXX representing Wells, Fargo Home Mortgage not take calls when she writes you a letter? 
Wells, Fargo put XXXX people on my account and each one does not know what the other XXXX said to me. This is not in compliance with the bank regulators. 
Please investigate. Thank you for your help in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX the are reporting on all of the CRA 's that I was once late. I have never been late. Please have them provide solid proof or remove it from all 3. 
Worst payment status 30-59 Days Late Times 30/60/90 days late

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 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I called XXXX XXXX in XXXX XXXX, XXXX and spoke with a representative about my payment not being made due to someone making authorized transactions with my bank account. The representative informed me, that he would keep a close eye on my account and refund all late charges if I made a payment on XXXX XXXX, XXXX. I agreed, however, on XXXX XXXX, XXXX, as I started to make the payment, I was informed my account had several late charges to it. Every time I mentioned the representative I conversed with on XXXX XXXX, XXXX, I was placed on hold, transferred, and the call disconnected. I finally spoke to XXXX, on XXXX XXXX, XXXX who was very rude from the beginning. I mentioned the representative I conversed with on XXXX XXXX, XXXX to XXXX, and she told she has not record of this conversation. I inquired if she could give me the information of the last representative and to speak with her supervisor. XXXX informed me at first she does n't show that information, until I questioned it for her to change her story to they are not allowed to give out that information and it will be hold time to speak with a supervisor. I tried to explain that I being charged late fees and having monthly interest that seem to be unfair to the customer however, it seems I could not get any type of assistance from XXXX or Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I summarize my complaint below. 

( 1 ) I found out a purchase dated XX/XX/XXXX that was not made by me. The amount is {$260.00}. 
( 2 ) I notified the bank in writing of the dispute item on XX/XX/XXXX that was before the statement payment due day XX/XX/XXXX. 
( 3 ) On XX/XX/XXXX, the bank sent me a dispute form which I completed and returned to the bank on XX/XX/XXXX. 
( 4 ) The bank replied in writing on XX/XX/XXXX, crediting my account {$260.00} of the disputed amount. They said they forwarded the billing dispute to the merchant 's bank for their review. 
( 5 ) I received a letter dated XX/XX/XXXX from the bank enclosing documentation from the merchant. The bank said they consider the charge is valid and placed the amount back on my account. From the merchant documents the purchase is online transaction which the merchandise was picked up in store in XXXX XXXX, New Jersey. The merchant did not provide the signature of the person who picked up the merchandise. I live in XXXX XXXX in California and did not visit XXXX XXXX on the date of purchase. 
( 6 ) I paid the charge back {$260.00} on XX/XX/XXXX. 
( 7 ) I called the bank 's billing dispute team on XX/XX/XXXX and pointed out the transaction is fraudulent and I did not place the online order and did not pick up the merchandise in XXXX XXXX store.The bank staff ignored my points and insisted the transaction is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (NC).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I purchased a new XXXX XXXX XXXX which was financed through Wells Fargo at 4.99 % and I was told that after XXXX year I could refinance to lower my payments. Yesterday I called them to refinance and they told me that they could lower the payment from {$560.00} to {$540.00} but the rate would be 7 %. This does not really provide me with any options. The {$560.00} payment is too high. The folks that I spoke with were very non empathetic and gave me the impression that they could not care less about my situation and there was no attempt to try and resolve this issue. 
I have run into hard time and had to move into a place with a higher rent and so I do n't have the disposable income that I originally had to pay this high payment. All I am asking for is a reduction that will help me stabalize

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 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CITIBANK, N.A. (AR).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I am finishing complaint number : XXXX I received the washer and dryer on XX/XX/XXXX. They did not work properly. The washer took one and one half hours to wash a load. The dryer took the same to dry a load. I called on XX/XX/XXXX and they sent someone to fix the problem on  XX/XX/XXXX. On XX/XX/XXXX after he left I realized they were not fixed. I called them and said come and pick these up they do not work properly. They said the earliest time they could pick up the washer and dryer would be XX/XX/XXXX. They called later and said I would need to pay {$70.00} for the pickup. I went to the store on XX/XX/XXXX to pay the {$70.00} and make sure they were coming on XX/XX/XXXX. The manager I talked to was XXXX XXXX. He said they did not charge for that pickup. He said the washer and dryer was still scheduled to be picked up on XX/XX/XXXX. No one came on XX/XX/XXXX to pick up the washer and dryer. 
After Best Buy refused to pick up the washer and dryer, I disputed the charge with Citi Bank. My credit card is with Citi. Citi sent me an email stating I must send them two documents to complete my dispute. I will attach copies of all documents I mention in this complaint. 
First Citi requires me to reply to Best Buy 's response to my complaint. I will attach Best Buy 's response. Best Buy 's response is a blank page. How do I respond to a blank page? I called Citi 's dispute department and mentioned the blank page but did not get Best Buy 's response. I still do not know how Best Buy responded to my complaint.

Second Citi requires me to provide a second opinion on the washer and dryer not working properly. The opinion must be from a professional dealer. I checked with XXXX and XXXX. Both would charge almost one hundred dollars each for the washer and dryer. In essence, Citi requires me to pay almost two hundred dollars just to find out if my dispute is valid. I will attach copies of both XXXX and XXXX charges to come to my house. 
Best Buy 's warranty requires only that I stay within a fifteen day return time period. I will attach a copy of Best Buy 's warranty.

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 04/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: Apparently, I made a simple error in my bill pay for Bank of America when setting the date for a cell phone payment. I was to be paid direct deposit on   XXXX   XXXX   XXXX    . I mistakenly put the date in to bill pay to pay  XXXX   XXXX   XXXX  as the  XXXX . This is the first time I have ever made an error like this in the bill pay system. As I did not have the money in my account on the  XXXX  because I do not get paid till the  XXXX , this caused an NSF fee of {$35.00}, even though the  XXXX  Bank of America 's computer system automatically tried to pay  XXXX   XXXX   XXXX  again and the payment went through because by then I had been paid. When I learned of this error on my part, I asked BOA if this fee could be waived, and I was told No. I was not given a specific reason, just that this fee refund was declined based on my history at Bank of America and that if the system did not allow the fee refund to be processed, I could not be given the fee back. I asked if I had had a specific NSF fee refunded in the last year or else specifically why I could not be refunded this ridiculously high fee. I was not given one so I am filing this 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 monetary relief
Consumer complaint received 02/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX has XXXX accounts in my name that were fraudulently created. I was working with their fraud department when they sent it to Convergent Outsourcing and refused to continue to work with me. The XXXX account number is XXXX for {$1200.00}. My id was stolen around the time this account was opened. Convergent says they will not even start a fraud investigation without a police report. But the Fair Credit Reporting Act does not require that I file a police report to report Fraud. They are in violation of federal law. 
The smaller XXXX account is XXXX for {$360.00} dollars Your complaint number is : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Problems caused by my funds being low

Complaint: Sun Trust Bank has been arranging it 's deductions from my account to result in overdraft fees. I have also been informed that it has done away with showing it 's customers a running balance, making it impossible to know one 's balance at any particular time or to reconcile one 's account. Such predatory practices have been instituted to directly increase the likelihood of customers incurring numerous overdraft fees. It is impossible to prevent such fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We have submitted the loan modification review for my property. However, the lender was denied and did not give us any types of modification. Since we are facing with hardship and want to sell the house under short sale. We have submitted the other request for short sale after they denied loan modification. We have submitted on XXXX XXXX, 2016 and got offer. We have tried all best to comply with lender as they expected. They forced us to sign the auction agreement with XXXX. We had signed and just a matter we need help to move on with our life for short sale and relocation assistance. 
However, the lender called my agent today XXXX/XXXX/2016. They told my agent that they denied our short sale because the sale date is coming XXXX/XXXX/2016. They said that I did not submitted the short sale request on time. 
It look like I will be in trap as other victim homeowner to be foreclosed soon with NATIONSTAR MORTGAGE. As the short sale submission, that we requested over 45 days before foreclosure sale date, they did not help us and claimed on not sufficient time. OMG, what did the lender do for my file since XXXX XXXX to now. They have sent XXXX appraiser out and we did follow and now no time. Wait a minutes, is it right to do that and kick us out of our house and sell the house for their internal investor? 
I am having bad experiences with Nationstar since my attorney told me before that my mortgage was making wrong at first place and cause to my mortgage keeps increasing. The bank did not access my mortgage and income documents correctly and now they did not help and just want to foreclose. I never want to foreclose my house and want to keep it. 
However, it is not my fraud and its bank fraud and did not check what did the mortgage broker and loan officer while they were taking my application. Our income was inflated and we did not know they cheat on us. Now, they dont take responsible and just want my house and kick us out. 
Is it fair for us? We need somebody to judge on my account and help us to bring the fishy to light. They must either help me with affordable payment or short sale in peace.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Checking or savings account (Savings account) with BMO HARRIS BANK NATIONAL ASSOCIATION (IN).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: In XXXX of this year I tried to open another savings account online with BMO Harris Bank, I already have one savings account. They rejected the application saying that there was something in a credit report that caused the rejection. They refused to tell me what was in the report that caused the rejection. I pulled my credit reports, there are no problems. If they have erroneous information on me and the insurance industry gets a hold of it, they will use that to increase premiums and, they may already have. 
I can not find a problem and BMO will not give me an explanation,

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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I asked this Consumer to remove all non reporting accounts since they were consolidated.

Company response to consumer: Closed with explanation