milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-07-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NH).
Issue: Application, originator, mortgage broker

Complaint: We have a mortgage on our primary residence with BofA that is delinquent. During the last 2 years we have been caring for by a son with XXXX XXXX XXXX who has needed our assistance, we are his only family. We are retired, my husband is XXXX and I am XXXX. We have a small business that we had to neglect to help him out. We were also unable to file our XXXX taxes but did get an extension. His surgeries and treatments have been expensive and time consuming. To save our home we sought and were approved for a reverse mortgage that fell short of the balance owed BofA. We have enough money to bring to closing to cover the principle but not the accrued interest or penalties. We have asked BofA to accept this. It is not dissimilar to what a home owner would request of a mortgage modification or short sale. After XXXX other complaints with CFPB they told us that they could help us. We were asked to provide all of the HAMP documentation which we have completed. Yesterday we were informed that they could not consider our case because we did not file a tax return for XXXX. I did some research and found via the HAMP website that is accessible by the servicers that in their FAQs that we are eligible for a modification even if we do not have a tax return for that year as long as we sign and send a Form 4506-T which we have done. I have also found in the HAMP Supplemental Directive XXXX that if tax returns are not available that other means of determining income verification can be pay stubs or bank statements. I have attached those references. We have provided 3 months of bank statements with income deposits indicated for our business, pensions and social security payments. We have provided a detailed P & L for XXXX, YTD XXXX and a pro forma for the remaining months of XXXX. We began this process in XXXX and have very little time before the reverse mortgage will expire. We informed BofA of this but it really feels like they are dragging their feet. We make daily and sometimes multiple calls per day and it has been typically 24 to 36 hours to get a response. We have talked or left messages with supervisors and supervisor 's supervisors and now are told that they will not consider our case. This seems like an inappropriate conclusion made by BofA and it feels like since we have equity in our home that it they do n't need to help us out because when they foreclose they will be made whole. It also seems inappropriate that assistance is offered to every other kind of situation but no assistance is available to us. We have demonstrated the ability to qualify for a reverse mortgage and can cover the principle balance. Their reason for refusing to consider our request appears to us to be incorrect. Can you help us or direct us to someone who can. We have about 10 days to get this done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have an account that appeared on my credit last year from XXXX XXXX on behalf of original creditor XXXX College and it was deleted off of my XXXX, Experian and XXXX report by XXXX the dispute date was XX/XX/2017. Some how it has been reinserted this month on my XXXX, Experian, and XXXX reports by a new collection agency going by the name of XXXX XXXX XXXX XXXX. I was not notified in writing or phone call about this debt nor does this account belong to me as I have placed a fraud alert on my credit files due to breach. It was previously removed from not being my debt and it was resold to another collection agency. I want this account removed back off of my credit reports immediately this is a violation of the FCRA by reinserting a deleted account back on 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 explanation
Consumer complaint received 12-11-2017 about Credit card or prepaid card (General-purpose prepaid card) with Young America Holdings, LLC (NE).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: A {$150.00} prepaid XXXX was issued from XXXX XXXX for signing on as a new customer in about XXXX XXXX. The card indicates it was issued from XXXX. 

The card was not used and shows an expiration date of XXXX. When the card was attempted to be used in early XXXX XXXX, it was denied as expired. 

I called the phone number on the card XXXX. They said that they no longer handle this card and referred me to XXXX XXXX. XXXX XXXX told me that it was true that they no longer work with XXXX, but that that there was nothing they could do, and that I had to work with XXXX. 

I found an e-mail address for XXXX - XXXXXXXXXXXX who I e-mailed the situation. They replied with a different phone number to call XXXX. I called that number, and based on the card number was referred back to the original number on the card referring to them as " Young America ''. The contact at XXXX said that it is called a sweep card and that at expiration all of the funds are removed from the card. I could not get an explanation of where the funds go. 

In another conversation with the original number listed on the card, I was again told that they " no longer work with XXXX XXXX, and that they transferred all of the information back to them '' Bottom line is that someone has the {$150.00} and it is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TN).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Wells Fargo and XXXX XXXX fraudulently signed me up for the Wells Fargo Visa Home Projects credit card, without my knowledge or consent, to finance a purchase of windows that I have not agreed to purchase. 

Please see the attached materials in support of the CFPB complaint. 

I request the CFPB to investigate the Wells Fargo Visa Home Projects credit card product line for widespread fraud and consumer abuses.

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 02-09-2017 about Prepaid card (ID prepaid card) with NETSPEND CORPORATION (GA).
Issue: Unauthorized transactions/trans. issues

Complaint: i funded an overseas account for trading stocks and was promised an account that would return 80 % back after loosing 100 % I requested that the money be returned per the agreement. and got no response from the merchant and for approximately 15 days was afforded no help from Netspend on the status of my remaining funds. in the interim Netspend classified it as a fraud charge when I specifically told them it was for a product trhat did not live up to the claims of the merchant. after 2 months and many emails the merchant finally returned my call and stated that the bank & lt ; Netspend had disputed the charge and they were waiting for Netspend to take the funds back as it was classified as a charge back and yret was still sitting there. upon informing Netspend of this I was told it was under i investigation and would not be resolved until another 3 months time. I will attgach all correspondence that I have had with Netspend and their failure to even acknowledge my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NE).
Issue: Credit decision / Underwriting

Complaint: My mortgage is at about 6.5 %. Refinancing sounds like a good idea -- as far as getting a better rate, lower payments, etc. -- but I do not trust the entities that are holding my mortgage or that are offering the refi 's. I suppose that this is mostly about my fears regarding the mortgage, in that none the other entities involved in my mortgage -- original bank, inspectors, appraisers -- seem trustworthy. The value of my home has been re-assessed downwards twice by my home county since closing. I am aghast that no one had a fiduciary responsibility but me. In that a refi seems to mean that the bank is willing to earn less from me for the mortgage over time, I start looking for hidden dangers. No way would they reduce my side of things once they 've got me on the hook. 

Can you help to explain how refi 's work, what I should expect and what I need to know to feel more comfortable about this?

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 10/25/2017 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. This is a formal complaint against Experian for refusing to remove someone else 's collection account from my credit report. The account is with XXXX XXXX XXXX and actually belongs to a woman named " XXXX XXXX ''. The account number being reported is # XXXX and the original creditor of the debt is " XXXX XXXX XXXX ''. I have never lived at these apartments nor at the related address listed on their records. Ever since this XXXX when I discovered this was on my credit report, I have been fighting tooth and nail with this XXXX woman 's collection company trying to have them send me supporting documentation to validate this is really mine. They were really hard to deal with but at long last, they recently sent me a supporting document which clearly proves this is not my account. It is a move out statement which states this debt is for " XXXX '' XXXX. My name is XXXX XXXX, I am a man, not a woman. A couple of months ago, I also filed a Consumer Financial Protection complaint directly to XXXX XXXX XXXX and they kept referring to me as " XXXX XXXX XXXX. '' I am attaching that communication as well that shows they think they are talking to a woman named XXXX, not me. Most important of all, this move out statement I am attaching is from XXXX. I was living in New York in XXXX and did not move to XXXX Florida until XXXX. My only Florida addresses that should be showing up on my credit are my XXXX, NY address and then the XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. I have never lived at the address listed on their document.

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 12/22/2017 about Debt collection (I do not know) with CORELOGIC INC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I check my XXXX XXXX frequently, especially because I 'm buying a house & it 's important to me to remain above 700. Anyway there is a inquiry from a company twice the name is XXXX location XXXX XXXX Ca XXXX phone number XXXX XXXX XXXX ) XXXX I called & it says NOT in service. The account also says it 's " misc ''!! There was XXXX inquiries first XX/XX/XXXX & XX/XX/XXXX. There was no more information on it. Please help it is very important like i said I 'm buying a home, I already got a preappoval but it 's not over yet. Getting a low finance charge on accounts is everything. Thank

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 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Ally Finacial has incorrectly reported on my credit report that I have to repossessions on XX/XX/XXXX and XX/XX/XXXX they also recorded that my payments were made on time in full during these months.

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 10/19/2017 about Debt collection (Payday loan debt) with Green Trust Cash, LLC (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I tried to work with green trust cash on a balance owed by stating I could pay less. After I stated this and revoked all ACH authorization green trust cash then stated that they would take my money out anyways and they would have me arrested. This was the conversation over the phone on XX/XX/XXXX. Today XX/XX/XXXX I emailed green trust again asking for a reduced amount of payments and they  responded with a copy of the contract showing interest of 700 % which is illegal in the state of Alabama. By good faith i was going to pay this back but now they have threatened jail time to me and stating I will have to pay more than I borrowed cause it will charge me each day. I am afraid this company is going to get into my account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: An account with XXXX Was disputed and XXXX XXXX the account reappeared on my credit report after the dispute, investigation and deletion. Please see the attached documentation with verification of the deleted account XXXX XXXX, XXXX as well as a new credit report for XXXX XXXX, XXXX and the same is account is there. 

thank you

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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I originally got a {$16000.00} from XXXX XXXX and over the past 10 years I paid back {$39000.00}. My loan was turned over to Navient and they are telling me I still owe {$19000.00}. They have hurt my credit and my co-signers credit. I hired a lawyer and they refused to talk with him and they continue to harass me and my co-signer. I do n't think they have been honest about all the payments and interest I have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Debt collection (Other debt) with CITIBANK, N.A. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have sent multiple correspondence with this company Citi sent by certified mail, in order to verify an alleged debt in the amount of XXXX. The company sent a confirmation that they received my dispute on XX/XX/2017. It has been over 30 Days with no response and by law they have 30 Days to respond and if they do not they are required to remove it from my credit profile.

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 09-03-2015 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Closing/Cancelling account

Complaint: I applied for a Chase card including balance transfer, and received a letter to call the company for the application to be reviewed. On the phone, I was approved for the card and told the specifics. I told the person that I did not want to move forward with the card. A week later I received a letter in the mail that my balance had been transferred. When I called they refused to delete my account, and only said it could be closed, even though I never opened it. Apparently they go forward processing balance transfers and the card even if you say that you do not want to move forward. This opening / closing will reflect on my credit - I want it completely removed since I never agreed to open it and further specifically stated that I did not want the card.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed the accounts with Equifax in which Equifax corresponded that the accounts with XXXX XXXX and XXXX were accurate. I then requested the description of the procedure used to determine the accuracy and completeness of information, and documents provided by XXXX XXXX Bank & XXXX XXXX regarding the alleged accounts. XXXX was unable to produce ANY documentation. My question is how can the credit bureaus validate the alleged accounts and the creditor XXXX XXXX Bank or XXXX XXXX can not validate the alleged debts?

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (CA).
Issue: Managing the loan or lease

Complaint: XX/XX/XXXX, we have contacted Chase at the auto service line XXXX, had numerous conversations with customer specialist to obtain duplicate copy of the title for our paid off auto loan from XX/XX/XXXX. Without the pink slip/title, we are unable to sell or get rid of the car. There were so many back and forth with the customer service line, them telling us one thing after another, and nothing really being resolved. They kept mentioning about California State being complicating and finally gave me a name. With that, Chase representative told us to fax the request and we did to the specific fax line on XXXX/XXXX/XXXX and have never heard anything back. 
We now have a ticket from the police to fix the license plate for the car, but we are stuck because we can not get the plate ordered through the DMV due to pending of this title. Chase needs to provide the pink slip or the release of title. They have failed to follow through on numerous occasion. Even though this is a closed account/loan, they have the responsibility to provide all the necessary documents to release the the title and resolve this with DMV ( department of motor vehicle ).

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My Lender-SLS has been in the 'process ' of a the 5th short sale offered on my home within a year time. The problem is when the these last offers came in I requested CASH FOR KEYS XX/XX/XXXX and they told me to submit a utility bill and request. So I did. Then 2 months went by and we talked and they said they never rec 'd it. So I -emailed another request. 1 month goes by and they call me stating they only got XXXX page. So I do it again. another month goes by and I talk to them still they never rec 'd it. Well then I fax it again 3 weeks ago. I get a call from them. I ask if they got it. She says yes- However, that program ended in XXXX 2015 and we are not elligable. Im totally stunned - unprofessional. Why would I be led on and why would n't they offer anything else? 

Is their any other programs for relocation/transition assistance? I have searched on line. I am not XXXX XXXX or 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 08-03-2017 about Payday loan, title loan, or personal loan (Title loan) with Advance America, Cash Advance Centers, Inc. (TX).
Issue: Problem with the payoff process at the end of the loan

Complaint: I inquired about a loan at about XXXX. They asked how much I needed : I said $ 4500-4000. Everything was going well until one of the other representatives got involved. next t thing I know they offered me a check for {$1500.00}. I said no several times but they said I can think about it for 3days. I went home and went right back to return the money at XXXX. by XXXX I had finally gave back the check and cancelled my loan. then they say I can pick up my title in 7 days! but when they convinced me to take the check they said they would put it is pending. All I want is my title back now. they can not tell me a mailman comes to pick up several titles every day, its not cost efficient. I know my title is in one of those filing cabinets ... I feel like they are being malicious because I did n't accept their loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Here we go again. Obviously Greetree is not overly concerned about their scamming tactics. This is the third complaint with CFPB about Greentree Servicing who continue with inaccurate billing and charges. 
Attached is a copy from my bank listing payments for my mortgage. {$800.00} dollars a month. My mortgage is {$700.00} a month. I have requested repeatedly that any additional monies always be applied to my principle balance. Instead it is put in an " unapplied funds account ''. Not applying the additional money to the principal interferes the mortgage being paid down accurately. 
XXXX 2015 billing statement reflects XXXX due when only XXXX is was due. So calculations for remaining balance would not be accurate. When I called the company therepresentative, XXXX stated the XXXX 2015 payment was dislocated. And again the same thing happened XXXX 2015. My payments are made electronically. No excuse for saying it as dislocatedSecondly, when the billing statements come in the mail they do not reflect the true balance remaining. I have requested a payoff statement several times and have not had I response from the company I am so close to paying off the house. But with the tactics this company practice I no doubt I will have over paid monies to them. 
I want an accurate payoff statement mailed to me. And from this point on I want any and all additional payments to be applied to the principle balance. All future billing statements should accurately reflect what the remaining balance is. This is the second time that I have filed a complaint with CFPB that pointed out similar incidents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief