milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2016 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Shopping for a loan or lease

Complaint: On XXXX/XXXX/16 I purchased a car from XXXX. It was a cash deal. With a purchase price of {$40000.00}, I gave them {$21000.00} in cash and wrote a check for {$19000.00} to complete the transaction. They ran my credit and had me fill out a credit application but stated it would not be processed unless for some reason my account had insufficient funds and the check did not clear. On that date I had over {$130000.00} in Bank of America. I drove the vehicle home. XXXX XXXX I got a letter from Bank of America stating that they had received a loan request through XXXX and that my loan had been disapproved due to information from XXXX even though my credit score was XXXX. I called the banks XXXX number and asked them how I could be turned down for a loan I had not asked for in the first place. They said XXXX submitted the loan application. So, I asked them even if XXXX submitted it, I had over {$130000.00} in Bank of America and they cashed my check. So, XXXX I did not need a loan and secondly if I had requested one - how could they deny me a loan of {$20000.00}. The person on the phone just gave me a generic answer stating that is the way they do things. I called XXXX again and after a few days the finance manager and I made contact. She stated that they did not submit the paperwork for processing, but only submitted it as back up in case my check did not clear ( which of course it did clear ) .I went into Bank of America in person and they could not help me. They said somebody would call me. About a week later I got a call from B of A in another State but when I returned the call they had closed at XXXX Central time. Just a few days ago I got another letter from Bank of America dated XXXX XXXX, 2016 again stating that my loan had been declined. Even as of today 's date, I still have over {$110000.00} in Bank of America. I happen to have almost double that amount in other banks and happen to own XXXX houses free and clear. I have XXXX loan on my existing house but I do not see how any of that is even relevant when I paid cash for the vehicle and of course had enough in Bank of America that given day to buy XXXX vehicles in cash. Both parties have denied any wrong doing in this but it is obvious that one if not two are clearly in the wrong here. My relationship with Bank of America after over 30 years has been damaged and I plan to withdraw my funds from that institution. I would like to ask for monetary damages and compensation for this quagmire. Bank of America claims that I am a preferred customer. I wonder how a non preferred customer is treated..Ironically, I have a {$20000.00} credit limit on my Bank of America credit card . That was the amount of the loan they turned me down for that I did not apply for ...

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 02-04-2018 about Mortgage (Conventional home mortgage) with Seterus, Inc. (WA).
Issue: Trouble during payment process

Complaint: I received a notice of default from Seterus, Inc. To cure the default, I paid what I owed for XX/XX/XXXX and XX/XX/XXXX and made sure the payment was delivered on XX/XX/XXXX by COB. The notice of default said to pay w/a cashier 's check or money order ; I used a cashier 's check. It said to mail the payment and gave an address, which is the address I used. I sent the payment via USPS. I have a receipt showing that payment was delivered on XX/XX/XXXX. I have the tracking number for the payment as well as a screen shot of the USPS web page that says the payment was signed for on XX/XX/XXXX before COB. And yet, Seterus shows my payment as received on XX/XX/XXXX, which would mean Seterus thinks I did not cure my default. I called and talked to a Seterus employee who verified that payment was received and signed for on XX/XX/XXXX before COB. 

I need Seterus to correct the record immediately. I have not attached any documentation, as Seterus either has it already or has access to it.

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 04/19/2016 about Debt collection (Credit card) with Suttell, Hammer & White, P.S (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This debt is not known to me

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquiries on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Medical debt) with Sa-Vit Enterprises, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is my last effort to resolve this matter before I pursue to taking legal action.   This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to 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
Consumer complaint received 12/29/2017 about Mortgage (Other type of mortgage) with Fay Servicing, LLC (TX).
Issue: Trouble during payment process

Complaint: fay servicing. we were to get a harp loan for refinancing according to fay services. My son had a car accident in XX/XX/XXXX. I was a passenger and got XXXX XXXX which caused me to miss 4 months of work. we struggled and still made our mortgage payments but missed one for XXXX. that payment was made on the XXXX Wednesday of XXXX when my wife got her social security. I was trying to find a new job during this time. I managed to get work for the XXXX season. We missed the payment for XXXX and paid XXXX and XXXX payment on XX/XX/XXXX. I thought from everything I have read that harp loans have to be behind 90 full days before we go into default. I found a letter dated XX/XX/XXXX from fay servicing stating that we were in default on our loan and demanding immediate payment plus a XXXX dollar corporate fee. If Fay did n't get us the proper loan they did n't disclose this to us. From what I understand it is illegal for them to send those notices. They also would not even tell us who our actual mortgage holder was even though I requested this information several times. It seems something shady is going on. Also when we call in our account representative is either not in or not available. We have called every day this week trying to figure out what they are up to. No one will talk to us and XXXX XXXX our representative is not available. We want to know what they are up to. also when our loan was redone they told us we were going to get a check for the overage in the escrow account. That never happened either. Eventually they did sent it to the mortgage company and it was applied to our loan. why ca n't they just tell the truth? Any assistance you could be would be greatly appreciated. We feel they are hiding from us what they have actually done and what they continue to do.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I finalized a loan modification to a 40 yr fixed rate loan with boa on XX/XX/XXXX.I began this process XX/XX/XXXX. I recvd my first signed modification on XX/XX/XXXX XX/XX/XXXX I discovered via a severley impacted credit score that the final mod was " never filed '' and no attempt to contact me.from the start of XX/XX/XXXX i have never missed or had a late payment. boa has consistently misapplied my payments. my statements do not reflect the payment specified in the final mod. boa randomly applies all payment to interest with no pricipal application. I called the customer service and XXXX informed me that i have a payment specified in the first modification that boa stated was never filed and did not exist. therefore at this time boa has XXXX final modifications coexisting .each and everytime i contact boa i am given a new contact person to date i have had XXXX.the latest one is XXXX you will research this and call me " next week ''. the last statement i recvd for XX/XX/XXXX states i owe XXXX under projected interest and regular monthly payment. my modification payment is XXXX according to the last account transaction history sent to me my XX/XX/XXXX and XX/XX/XXXX payments were all applied to interest.again as reported to cfbp and copy sent to me boa states " our records indicate that your loan is current '' .this loan has always be current with all payments recvd before the due date since the trail period beginning XX/XX/XXXX.also when i recvd from XXXX the response to cfpb and a copy of my modification and statement transaction history. XXXX XXXX XXXX was kind enough to include a letter to another bank of america customer ( not me ) and this customer 's resolution specialist name is XXXX and her contact # XXXX ext XXXX ... so one can only image the amount of confident information sent by boa to the wrong people.

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 04-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a XXXX XXXX account in XXXX. It was first reported delinquent in XXXX. The account was paid and should have been removed from my credit bureau in XXXX. ( 7 years after it was first reported delinquent. ) It is STILL showing up on my credit bureau in XXXX ... 13 years later. This needs to be removed from all XXXX credit bureaus ... Transunion, XXXX and 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 06/14/2017 about Debt collection (I do not know) with National Credit Adjusters, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Call stating the are " independent courier '' that are sending a uniformed officer to my house today. Call me and my family all the time. They never send anyone but they threaten all the time

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I called and requested additional information to validate the account that is on my credit report. I told MCM that they keep sending credit card statements and that does not tell me anything saying it 's my account. I request MCM to send me something with my signature indicating that i signed for the alleged debt and they told me the only thing they received when the purchased the debt is a credit card statement. I was also told by the rep that by law they dont have to send me any additional information to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Mortgage (Conventional home mortgage) with Law Offices of Les Zieve (CA).
Issue: Struggling to pay mortgage

Complaint: This complaint is againt LAW OFFICES OF LES ZIEVE. ZIEVE, BRODNAX AND STEELE, LLP HAS IMPROPERLY AND ILLEGALLY BEEN SENDING US LETTERS AND RECORDING NOTICE OF TRUSTEE SALE DATED XX/XX/XXXX RECEIVED XX/XX/XXXX FOR A SALE ON XX/XX/XXXX. We are with KEEP MY HOME CALIFORNIA FOR MONTHS AND ALREADY RECEIVED THE TENTATIVE APPROVAL AND XXXX  XXXX ALREADY RECEIVED THE APPROVAL LETTER AND HAD UNTIL XX/XX/XXXX and they have failed to communicate with us and keep lying and unethical saying they did n't know about keep my home California offer to bring this mortgage current and pay see are. keep my home California confirmed they sent all paperwork to XXXX XXXX. We had to reapply to keep my home California and working with them again repeating everything again and now this LAW OFFICE OF LES ZIEVE IS TRYING TO FRAUDULENTLY STEAL OUR HOME AND PROVIDED NO NOTICE and never Heard of this company or scam as we are working to keep home with keep my home california SO THERE SHOULD NOT BE ANY TRUSTEE LES ZIEVE FRAUD LAW FIRM XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX TRYING TO BE A TRUSTEE. THIS LAW OFFICE HAS ILLEGALLY AND IMPROPERLY FILED PAPERS WITH RECORDER CONTRA COSTA COUNTY See attached

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: In XX/XX/XXXX we were approved for a loan from XXXX XXXX to further our son 's education. During this time XXXX XXXX changed into Navient. We have paid on our loan for 16 years, the loan was for {$39000.00}. Today we still owe {$25000.00} in principal. We wonder what happened to all the money we have paid in because we have paid {$33000.00} est. We are missing a full year in amortization from the Navient 's list of payments that was mailed to us. Along the way we were slapped with roughly a {$1000.00} in late fees. We are now retired and are concerned about this entire fiasco, and would like someone to help us with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Trouble during payment process

Complaint: I received a letter from " Mr. Cooper '', a Nationstar Mortgage company, on XX/XX/XXXX indicating my mortgage is being sold to a new servicer, XXXX XXXX. The letter is dated XX/XX/XXXX with a postmark on the envelope of XX/XX/XXXX. 

The letter states that the new servicer will become effective on XX/XX/XXXX, but also indicates that the law requires the existing servicer to send the notification at least 15 days in advance of the effective date. Based on the postmark, I do n't believe the letter was sent in accordance with the law. The letter was sent 13 days prior to the effective date of the new servicer rather than the 15 days required by law. 

The representative of Mr. Cooper stated there was nothing I could do and that the loan was sold. She expressed regret and tried to explain that the postmark did n't reflect the actual date of when the notice was mailed. However, unless there 's new rules for tracking mail, this explanation does n't make sense. 

I do n't want the loan to be sold to XXXX XXXX given their track record of data breaches and opening false accounts on behalf of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I have been attempting to get hardship with this company since XXXX 2016 on my private loan. At the time, I had Chapter XXXX bankruptcy protection ; it was dismissed due to me being unable to make payments once I lost my job. Once I notified them of my unemployment situation, all of my Federal loans I had no problems getting unemployment/hardship approval. But not Navient, with the private loan. They in fact flat out refused to allow me to defer payments. On top of that, the only repayment option offered they would not provide terms in writing until I made 3 payments The payment amount advised is not something I can afford to do. One representative even said the government gives them the protection to do this and they pretty much owned me cause I 'm behind and my situation does n't matter. She then went on to say, I owed them they can do what they want. How are yo
u allowing this company 's private loan side do this to consumers? I 'm presently going through Chapter XXXX and in speaking with them ( cause they still continuously call ), they say it does n't matter. Why is the government allowing the private side to have the ability to be so unforgiving of people who prove they fallen on hard times? Why be so secretive with payment options and allow private student loan lenders to refuse to provide details/terms of agreement prior to entering into payment agreements? I have proven to the Federal government I 'm not financial able at this time to repay my loans ; and granted a year forbearance. Why are you allowing private student loan lenders to create different rules that they knowingly will result in a borrower defaulting? They should have to abide by the same terms and provide the same hardship options as the federal government, when it comes to student loans. Especially considering the bankruptcy courts do n't view the loan like a car or mortgage. Private student loans should either be forced to abide by the same rules as federal loans, when it comes to hardship repayment, or allow for borrowers to dismiss in bankruptcy like all other private lender debts.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have several accounts, inquiries, addresses, and name aliases that are fraudulent and incorrect i have a police report with the officer information XXXX badge # XXXX report number XXXX along with id theft affidavit notarized and my social and driver license .... please review this info ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I took out a loan for my daughters education prior to XX/XX/XXXX. The Loan amount was {$7200.00} that I got approved through my local Credit Union. 
I have struggled with employment since then and had to file chapter XXXX bankruptcy twice with the last in XX/XX/XXXX. I listed the loan in each bankruptcy and was told the loan could not be forgiven. Over the period of the loan I have been granted forbearance at different times. 
My Loan was changed on XX/XX/XXXX to a lower interest paying off the original loan which I had paid {$2700.00} to that point. Since then I have paid {$6200.00} for a total paid over time of {$8900.00}. They say I still owe over {$4000.00}. I am XXXX years of age and on only Social Security. 
I will struggle at best to pay this loan and do not understand why I owe so munch.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have reapplied with Ditech for a loan modification and was just told that they can not stop my sale date for XXXX/XXXX/XXXX because they needed my paperwork updated since mid XXXX. I had sent in an updated package on XXXX/XXXX/XXXX later to learn that the fax number they gave me to fax my documents to takes up to 10 days to update on their system. I was given a different fax number on XXXX/XXXX/XXXX to which I sent in my package again and was told that it would be looked at within 24 hours. I called on XXXX/XXXX/XXXX to check on the status and was told by XXXX of the account managers that she would forward the paperwork over to the appropriate department so they can see if the could postpone my sale date. I called again on XXXX/XXXX/XXXX for another update and was rudely told by a supervisor on why I was requesting a sale date. I told her that I wanted to request a postponement because I had submitted all the required documents for a review and she rudely said that they need 37 days. She asked me repeatedly why I wanted a postponement, speaking to me rudely and as if I was bothering her, and I said because of the modification documents that I updated. I then asked if she could send me a decline letter stating this information because I honestly did not believe her by the way she was talking to me. I asked if she knew what date that they were going to mail the decline letter out or if XXXX had been generated and again she did not know and she sounded like if she was just making up an excuse not to review the file. I did n't argue with her but I honestly think that Ditech just wants me to lose my house or that the rep I spoke to was having a bad day and just did not want to help. All the previous reps I had spoken to did not mention that a postponement could not be granted given that my file is complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Debt collection (Credit card) with NCB MANAGEMENT SERVICES INC (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I am the only person on the debt. XXXX XXXX from NCBI called my husband at work and proceeded to tell him about the debt. He is not on the debt nor is he responsible. We have been having issues and now he is talking about leaving me due to him being contacted, especially at a work number. I am not working nor able to at the moment. She also lied and said she was a representative of XXXX XXXX and kept saying she needed a formal agreement for me to make payments before she could hang up. I want something done. NCBI or NCB Managment can not be trusted. They lie and do whatever they can get by with to get you to pay. Also I never received any paperwork from them.

Company response to consumer: Closed with explanation