milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with AmeriHome Mortgage Company, LLC (AZ).
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: This mortgage company just launch a brand new website. I was able to log in fine, until today. I have paperless bills, so i do n't have anything where I can see my account. I am trying to look at my account online and when I tried to log in, it would not let me. I reached out to the representatives and they treat me like I am a XXXX. I tried to log in on XXXX different computers, including my phone. I even put the incorrect password to make sure the password was not the issue, and immediately told me it was the wrong password. But when i put my info correctly, it takes me back to log in. I already re-register from the new launch. I tried to reach out to escalate the issue and allow me to log in, but the rep told me there is nothing they could do because basically their website was perfect. This is a new launch!!! Things are NOT perfect! It seems they are not escalating website issues to not allow customers see their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: back in XX/XX/2014, there was a discrepancy with my BOA account. At the time I was XXXX, and not fully aware of what happened. The bank never explained to me initially what happened all they said was that I owed them about $ 200/300. They had closed my account. They said if I paid them out in full then I could just open my account again, of course, THEY LIED! it was never explained to me what XXXX was. I actually did not even know until I tried to open up another account and was denied. I was furious. They said to get my credit report talk to the XXXX   people they can remove if I did a claim, they gave me the runaround and honestly, It frustrates me writing about this 4 years later and I still can not open up any type of account. Even places that don't use XXXX. I'm not sure what type of hold they have on my SSN, but it's going to cause me to be homeless ( I'm already carless now ). It's just one more year until it's off. But I need this to be lifted immediately, I paid them in full literally as soon as this happened and no one wants to help me, I've cried, screamed, yelled, I've even just not talked at all about it, this is by FAR the most emotional thing I have ever been through it's so sad that I am trying to build my credit and there is nothing I can do, I can't get approved for anything at all. Please I just want it fixed This is my final cry for help before a breakdown

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 01/20/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I filed an application with Chase for a loan modification due to a hardship in the in the family. All papers were filed appropriately and the " results '' were to see a very little reduction in my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit card () with JPMORGAN CHASE & CO. (UT).
Issue: Billing disputes

Complaint: I disputed a charge XXXX in the amount of XXXX and mailed proof of the dispute. I received a letter stating that XXXX sent them a response and so I provided more docs. They, meaning Chase, told me they never got the information, and in doing, so did not refund me of my XXXX charge from these scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Hi, In XXXX I applied for a Bank of America XXXX XXXX credit card. I got rejected ( I have the letters to prove it ) and forgot about it. I received some mail and email form BOA that was promotional and feedback on the application process. However, I went to check my credit score and it turns our BOA had opened that account for me and is trying to charge me {$75.00} ( the annual fee for the card ). I don't have the card, an account number, username, or any other info to even close the account. I've reached out to BOA but have not gotten a response.

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 04-03-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (DE).
Issue: Loan modification,collection,foreclosure

Complaint: This is my second letter to the CFPB regarding the same issue with Bank of America. Bank of America purposefully, did not address the specific questions asked in my initial letter dated XX/XX/XXXX ; therefore, the issues remain unresolved. I need Bank of America to answer EACH of the following questions regarding the mortgage account # XXXX : 1. Why has BOA allow XXXX days to pass from the date they were eligible to proceed with judgement ( XX/XX/XXXX ) to the date the judgment was recently filed ( XX/XX/XXXX )? For what reason did BOA wait XXXX days to file the judgement? 
2.Why did BOA never respond to my written inquiry on XX/XX/XXXX ( mailed to XXXX FL, XXXX ). This is a violation on RESPA, and was never addressed. 
3. Why did BOA charge my mortgage account 19 times for the same property inspection fee on XX/XX/XXXX? This is a violation of FDCPA 15 U.S.C, 1692e ( 2 ) 4.On XX/XX/XXXX, Superior Court of Delaware issued a letter indicating they were going to dismiss the foreclosure case due to lack of judgment entered. Was BOA aware that this foreclosure case was about to be dismissed for lack of follow up with their vendor attorney? 
5. On what dates did BOA follow up with XXXX for a foreclosure case updated? List all dates. 
6. Did BOA receive a copy of the superior court letter from XX/XX/XXXX? 
7. For what reason did BOA file an amended foreclosure complaint on XX/XX/XXXX? 
8. Why was the correct mortgage rate not calculated per the loan agreement ( in the foreclosure complaint )? Your response indicated " your research has uncovered no reasonable factual basis to substantiate your claim ''. Allow me to clarify ; in the amended complaint, BOA charged all interest at a rate of 3 %, which was incorrect because a portion of the interest was at 2 % and another portion was to be at 3 % according to the terms of the HAMP modification. Additionally, your employee XXXX signed off on the affidavit asserting he had reviewed the account and the amounts calculated were factual. This is a violation of FDCPA 15 U.S.C, 1692e ( 2 ), UNFAIR PRACTICES, " the false representation of the character, amount or legal status of any debt '' and FDCPA 15 USC 1692f ( 1 ) " The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law '' 9. What date did BOA file and pay the required mortgage mediation fee? 
10. What exactly is BOA doing to expedite the foreclosure? Please provide detail, dates, etc. 
Please be advised this is my second request and I will continue to escalate this matter and write to the CFPB until each and every one of my questions is answered.

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 05/22/2017 about Debt collection (I do not know) with Grant Mercantile Agency (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On   XXXX   XXXX   this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: A glitch occurred within the Trans Union system that violated the rights of their consumers under section 6.11. As a result, I have been exceedingly effected and my credit score is suffering as a result of this Trans Union glitch. No notice was ever given which is also a violation. I am requesting that ALL inquiries be removed. Please see inquires below. 

XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Department and variety stores - non specific Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Automobile dealers, used Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX XXXX XXXX Bank credit cards Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Automobile dealers, new Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY Thank you, 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 08/13/2017 about Payday loan, title loan, or personal loan (Installment loan) with Prosper Marketplace, Inc. (FL).
Issue: Charged fees or interest you didn't expect

Complaint: I was charged interest on the loan before receiving loan proceeds. The accrued interest caused a misstatement of the APR. I inquired and was told funds would arrive in a few days. Funds are by ACH ; regardless, they charged interest while holding my funds rather than waiting until they sent the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Numerous times I have tried to apply for the HAMP Program with our current mortgage company Ocwen Loan Servicing , LLC . I have emailed, snail mailed, faxed and even uploaded their requested documents via their website. They keep sending me letters stating they need all the same info I keep sending them. Then I call them, and they say things are being processed. This truly is the worse company I have ever dealt with. I know that the HAMP & MHA Programs will be discontinued this year and I think they are just stalling so they do n't have to comply. Please help me. I am soon to lose my home, I have just claimed bankruptcy and I want and need to keep my home. I am on XXXX, my wife is trying to get on XXXX and we have a XXXX year old son.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Mortgage (FHA mortgage) with MOVEMENT MORTGAGE LLC (NC).
Issue: Credit decision / Underwriting

Complaint: I have met all the requirements from pre-approval and final underwriting. They have stated that the max on the debt to income ratio for manual underwriting approval is XXXX % and I am at XXXX %. Other applicants with similar circumstances but a different gender, race and age where approved. I am under the XXXX % and they have denied my loan approval. They had me cancel one of my credit cards to meet their approval requirement 's, which has affected my credit. Since beginning the loaning process Movement Mortgage has known my debt to income ratio was 42 % the entire process, but has never mentioned it being an issue. I was told by the loan officer that if a different person on the loan committee did the final overview we would probably have a different outcome which is unacceptable. My life and my family 's life all depended on how one person feels about my age, gender, and race. I have my cash to close, three months ' worth of mortgage payments in reserves, home owners insurance, paid inspection fees, and the seller paid {$5000.00} towards the closing. I was conditionally pre-approved ( met all of the conditions such as closing my credit card ) for a loan amount of $ XXXX ; the contract purchase price was for $ XXXX. The seller paid $ XXXX, bringing the home purchase lower than the max on my pre-approval. Also, my mortgage payments would be approximately {$400.00} cheaper than my current rent which they are aware of. I have been renting for 3 years paying nearly {$1000.00} with no issue per my VOR. The mortgage would only be {$460.00} with about $ 200 monthly mortgage insurance, homeowners insurance and property taxes each month. I have been consistently employed for more than 3 years and I 'm currently employed as a banker. They made a huge deal out of my XXXX time ; discounting my hours worked and scrutinizing my time away from work on XXXX and XXXX ( XXXX ). Due to unforeseen issues with my XXXX and XXXX year old I had to devote some employer excused days to them but my monthly pay never showed a major decrease, if at all. They made it clear that this was a huge negative for them. I 'm also married and my husband is self-employed with a profitable business. We have a family that deserves the American dream that we have worked so hard for and we should n't have been denied this loan. They were clearly discriminating because I am a XXXX old XXXX Mother with XXXX small children ; however I am also a XXXX, with lucrative income, a solid work history, a solid rental history, and a fair credit score. Discrimination is not an option! We have to get justice!

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX of 2015 I paid in full XXXX student loans I had with XXXX XXXX XXXX. 
On XXXX XXXX, 2015, I received a credit report from Equifax noting these loans were paid in full and no negative information was reported on these account. 
On XXXX XXXX, 2015, I received a noticed that negative information had appeared on my Equifax credit report. The negative information according to Equifax was reported by XXXX XXXX XXXX. 
I contacted XXXX XXXX XXXX who advised they had never reported negative information to Equifax reference my student loans. 
I contacted Equifax via telephone and correspondence reference the information received from XXXX XXXX XXXX and Equifax refused to remove the negative information from my credit report. 
I have included copies of my Equifax credit report from XXXX XXXX and XXXX, along with other various documents which show their negative entries on my XXXX accounts. 
I have also included correspondence from XXXX XXXX XXXX verifying my student loans were never in a late status nor reported as a late status. 
In addition I have also included a copy of all payments made on my XXXX XXXX XXXX loan accounts which also prove I never made a late payment on these account. 
Despite all of this information from the creditor itself, Equifax refuses to remove the false information they placed on my account. 

Any help or assistance with the tactics being used by Equifax is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Credit line increase/decrease

Complaint: i have a credit card with capital one and when i called in i was told that my credit line went up to XXXX and it only went up to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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 send equifax several letters requesting they make justifiable corrections or removals of unverified or invalid allegations of account information to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy and compliance else wise of every single one even each any and or of the aspects of alleged account information documentary to be proven mine do to future enhance your adequate and mandated compliance to proper and fair reporting. After reviewing my credit report I found a number of items on the report inaccurate and they have failed to correct it. I send about several letters the last one was send certified tracking number XXXX. They have failed to send me copies of the documents that they have in their file as of this date that was used to verify the accuracy of the following late payment that is currently being reported on my credit report with the XXXX. As well as XXXX collection accounts that has remained non compliant as well as unverified. XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX Also Reporting inaccurate addresses that I currently DO NOT reside at in which I called several months ago requesting for them to remove from my credit report in which they are still reporting the following that needs to be removed XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I went to school in XXXX Arizona at the XXXX XXXX XXXX ( XXXX ) and originally had my subsidized and unsubsidized direct student loans through XXXX XXXX before they transferred all federal student loans to Navient. Navient always gave me bad information. When I graduated I asked to have my loan payments reduced and all they offered was forbearance until I could afford the payments. They never told me about a payment plan until many years later when Obama extended payments to 25 years. That was all they offered me. When I asked about forgiveness they told me that I needed 120 payments before I was eligible for it. When I made the 120 payments, then they referred me to a website that said I needed to be in a Direct student loan program for 10 years or 120 payments before I could get forgiveness. For years they would never tell me how much my total student loan was for including the interest, then one day it appeared on their website in 2017 for the first time and now it is gone again. My total loan was $ XXXX, which is way more than the school tuition had started out as $ XXXX per year. Right now I owe about $ XXXX. XXXX received all the checks from the Federal government and kept on raising the price and applying applicable fees. Everytime I questioned the payments they would be talk in circles about the provider, servicer, handler, and other individuals that were to be paid by my loan. I kept feeling like they were robbing me blind, but always had some strange excuse for where the money was going, but never provided any detail to who was receiving all this money. Now I am stuck with this massive bill that could not get me a job with this XXXX XXXX XXXX and I am looking to retire next year with this big debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: POLICE REPORT WAS SENT TO ALL XXXX BUREAU 'S VIOLATES HIPPA, CRA AND MY RIGHTS INACCURATE INFORMATION MUST BE REMOVED XXXX POLICE CASE NUMBER XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Debt collection (I do not know) with American Collections Enterprise, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This agency continues to call my home despite explaining I 'm not the person there 're looking to locate.

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
Consumer complaint received 04/14/2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (AL).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage company originally told me that my loan was modified. My new balance was supposed to be {$41000.00}. My mortgage company is now telling me that my balance is over {$76000.00} and they have increase my payment by {$300.00} a month. I believe they are incorrect and I want my balance reduced to the amount that was agreed upon in my loan modification agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation