milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Since last year, BoA has refused to work with my family concerning a loan modification after our family suffered death in the family, and was trying to keep our home by working with XXXX Prosperity Program. BoA continuously lost submitted paperwork, ignored HAMP applications and chose to foreclose on us. For the past 6 months, reinstatement requests have been Repeatedly submitted, yet before today, 8 days before our scheduled foreclosure, we have received only two. One, 3 months ago or so, that was well expired upon receipt of it, and today, which also expired today. Why can not BoA provide a reinstatement quote that allows at least a week before it expires? They will not accept anything but the exact amount, so how can I give that unless we have a non-expired quote. Just as bad, BoA is hitting us with late fees, inflated late fees, that would not have been present had they properly serviced our mortgage and given reinstatement quotes on time. It took months and Repeated attempts to even get the 2 we have the past 7 months. Attempts were made each month, yet it appears BoA purposely failed to service our mortgage, so they could bill outrageous late fees and add to their profit at a foreclosure. This appears to be mortgage servicing fraud ; the reinstatement quotes were ignored and sent belatedly, and now they are foreclosing at a high profit. A BoA rep even advised us NOT to attend a foreclosure hearing. How wrong is that? Is that not fraudulent or at least predatory? Also, at a hearing, where I tried to get the court to order a reinstatement quote, which is why we finally got the one today, I asked BoA ; XXXX attorney for a reinstatement quote and he said he would get me one that week. He never did. I have tried earnestly to get one but they seem intent not to give me one in time. It is a scam to delay, tack on late fees, send expired quotes, and then foreclose with " added fees. '' That is unethical and wrong. That is mortgage servicing fraud. I could have reinstated 7 months ago, and far cheaper without the bogus late fees that have been added to my account. Do they not have a duty to give me adequate time and a non-expired quote in a reasonable period of time, not 3 months after the fact?

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 07/29/2015 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: When the property went underwater, a loan mod by XXXX was declined. Foreclosure followed. After years the lawsuit was settled. the consent agreement is attached, paragraph XXXX states : XXXX. Plaintiff and all of its agents and assignees agrees to waive and release Defendants from any and all actions, causes of action, suits, claims, demands, liabilities, obligations, damages, trespasses, whatsoever, known or unknown, express or implied, vested or inchoate, at law or in equity ( hereinafter " Claims '' ), from the beginning of time up to and including the date of this Agreement. This release only relates to the loan that is the subject of the instant foreclosure action. 
Nevertheless XXXX filled negative reports to the Credit Report Agencies, harming my score. 
After the consent settlement XXXX sold the note to a Trust, see attached Motion to change lawyer. BSI Financial Services is the servicer for the trust. 
Neither XXXX nor BSI informed me about the transfer of the note as required under TILA, FDCPA and FL STAT XXXX. 
In a Motion to cancel the foreclosure sale ( attached ) BSI states they send a letter regarding Loan Mod, as of today we have not received this letter. 
Furthermore BSI reports to the Credit Report Agencies that we are in foreclosure on the same note. 
Threw this reporting my credit was heavily damaged, now I am unable to get a new loan do to the low credit score. Nevertheless it is a violation of the consent agreement too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying to get a modification and keep getting the runaround. Now I have a foreclosure sale for next month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have been a victim of Identity theft, My credit cards and ID was stolen and this information was used to apply for credit. A police report was filed. I have been trying to fix these issues on my Equifax credit report. But Equifax has done the opposite and has caused more issues. 1. Equifax removed my old address and refuses to correct it. 2. Refuses to take off the company name XXXX 3. Removed one XXXX XXXX XXXX inquire but the inquires have now quadrupled. 4. Removed XXXX XXXX / XXXX but it is back onto my credit report and the debt is now doubled. Showing up twice. Please review the 11 page letter that I put together. Its provides all the information, backup documents and my proof of identification. I have been having issues since XXXX XXXX 2016. I am done with this and I am seeking legal counsel to get this resolved if this is what needs to be done. CC : Attorney Generals Office

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XX/XX/XXXX I received a subpoena from Ally financial inc and legal advisers XXXX, XXXX, XXXX, XXXX XXXX. While surveying it I found exhibit c, a notice of rights to dispute debt. I never received this notice dated XXXX XXXX 2017. I called both respondents and informed them and the said i had received it because it did not come back in the mail. I believe this is unsatisfactory, careless and unprofessional. I have written a request for my 30 day notice period and a notice with correct date of XX/XX/XXXX to be sent to me. I have mailed this certified mail and express.The cost was not expensive. So how is it I, who has been out of work, can afford to be professional unlike a bank such as Ally or lawyers who get paid such exuberant amounts just to file suite . I intend to pay off the total amount, but when i requested where to have the money wired Ally refused to tell me until they called their lawyers so they can get a total with lawyer fees included. If they had given me an actual notice along with 30 days to fix this I would never have been expected to pay their attorneys fees. Might i just add the actual value is {$12000.00} and they say i owe {$17000.00} plus lawyer fees of {$2500.00} a total of {$19000.00}, this is highway robbery!

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 06/16/2015 about Debt collection (Medical) with CHS, Inc. (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I would like to register a complaint against XXXX XXXX in XXXX, Va for questionable billing practices. I had a XXXX by a local XXXX on XXXX XXXX, 2015 and had an out of pocket bill for {$200.00} total. The XXXX practice XXXX XXXX XXXX XXXX XXXX XXXX was purchased by XXXX about the same time as the XXXX and they ( XXXX XXXX took over the billing process. I received the XXXX bill during XXXX week in XXXX and remitted my XXXX payment XXXX {$80.00} XXXX on XXXX XXXX. I continued to remit my payments, on time, for the next XXXX billing cycles. I had sent {$160.00} ( 80 % of the bill ) by XXXX XXXX, yet was sent to a collection agency XXXX SCA Credit Services XXXX, Va XXXX saying I owed {$100.00} ( Case # XXXX ). I complained loudly to several XXXX billing services managers but all they could tell me was it was " the system 's '' fault. My response was that you have a " process failure ''. I have lived in this area all my life and personally know many XXXX employees. In speaking with XXXX she said " do n't feel bad they sent me to collections as well and my payments were being payroll deducted by XXXX ''. No one ever stated that this bill had to be paid in full on the XXXX payment nor did they advise me that I was being sent to a collection agency. I am neither poor or under insured but I have a grave concern that this could have a devastating effect on a family that was struggling financially. A blemish on the credit score of a poor family could be potentially catastrophic! XXXX XXXX should use excellent patient care and ethical billing practices to drive its business model, not greed and avarice.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Debt collection (Medical) with AMCOL Systems, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a letter to the collector requesting validation of a debt. The information that was provided to me from the creditor is contradicting to that of the credit bureaus reporting. The collection company has failed to correct the reporting on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: A few problems Initially it was hard to get information on loan balance for approximately a year to year and a half. Navigation of the phone system was very difficult. Also, when I called the representative either did n't answer or ne it was difficult to get the balance. Only when I became frustrated and spoke more sternly or called back or asked to speak to a manger would I get a proper answer. 
Had issues where I paid extra on the account and they never applied it to the loan but applied it to the next payment. I called a few times and finally gave up. 
I never received a bill since Navient took over my loan. With XXXX XXXX I had a booklet and a way to find out what my daily balance of each loan was. 
After the first year or year and a half of them owning my loan Navient took steps to better the phone procedures and later created the website where I could check this information.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Billing disputes

Complaint: I called best buy twice for an hour. They would not give me the information of my account that I asked from charges to having no interest for 18 months. They kept putting me on hold. This is very XXXX. I want to report their lack of helping me or providing any services to me AT ALL. I still do not know my interests plan I chose or the charges as well. I would ask for someone to tell 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 06-05-2015 about Credit card () with JPMORGAN CHASE & CO. (WI).
Issue: Customer service / Customer relations

Complaint: I have a card with Chase for many years and I spend a lot of money with the card. I have had couple of instances that I have disputed a charge with them, but their dispute resolution department is very bad at responding to issues. ON this last one, I have started the process XXXX, every time, I have sent them documentation, and after 2-3 weeks I get a letter back from someone saying that they didnt get documents, so they are not doing anything or that they do not feel that I have a case without a reason. 

The same is true with all of the services that Visa offers. Like purchase protection, theft protection, extra warranty, and .... Every time, this is a bust.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Credit card () with DISCOVER BANK (MT).
Issue: Credit card protection / Debt protection

Complaint: I was looking through my most recent DiscoverCard statement and noticed a {$70.00} charge for Payment Protection. After XXXX it the first few results were " Is P.P. a scam ''. I read this was optional and tracked it back to my very first statement in XXXX. I had never signed up for it. After adding up what I have paid thus far it totals {$3800.00}. I have been charged over {$700.00} in just XX/XX/XXXX alone!! That is almost {$4000.00} I have paid for something I never asked for nor opted into. Mind you this does n't include all of the interest also accrued do to these charges. It currently sits as 46 % of my current statement total. I called DiscoverCard to ask what they could do for me and the representative said the best they could do for me was give me back the last six months of charges. I asked him distinctly and clearly three separate times " So what your saying is I have been charged almost {$4000.00} for something I never signed up for and the only thing you can do for me is refund the last 6 months? '' which his reply was yes all three times. I hung up and decided to come here to use the protections within to help solve this very expensive issue that so many other people have experienced and have been taken advantage of. Its such a problem that the FDIC & CFPB have jointly forced Discover to pay restitution to effected parties.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX My son who is XXXX XXXX XXXX XXXX XXXX XXXX XXXX went into the Bank of America at XXXX XXXX XXXX XXXX XXXX Georgia XXXX to withdraw funds from his account. The teller XXXX XXXX XXXX XXXX and assistant branch XXXX XXXX XXXX XXXX XXXX told him " he could not withdraw the funds ", he would have to wait until the next day. The funds in question were available and did n't have any restrictions or holds on them. They were transferred to him from another bank of America account. An hour later I went back to the bank with him .The teller and assistant XXXX went back and forth about who actually said he could n't withdraw the funds. The assistant XXXX first told me it was policy, when I asked her what policy she said it was their policy. I explained to her that " any " policy they had, as an account holder I was entitled to see it. Then she stated she had to research his account and I explained her that 's the fraud department 's job not hers. Lastly she asked me XXXX times where did he get the money from which too was irrelevant. After XXXX minutes of me explaining to them their policies on deposits and withdrawals they gave him the money. 
When I spoke with XXXX XXXX who is the XXXX XXXX XXXX XXXX his explaination was he " did n't know what was on their hearts to make them racially profile '' my son. Neither the teller or the assistant XXXX were fired, suspended or transferred. They offered my son him XXXX as an apology. 
I have the entire encounter on video which I have shared with all parties involved.

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 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On   XXXX   XXXX   XXXX   I discovered a Chapter  XXXX  Bankruptcy had been re-inserted into my credit file by Equifax. This item was previously deleted on or around   XXXX   XXXX  . The credit bureaus are required to notify me withi n five ( 5 )  days of re-inserting a previously deleted item. I did not receive any such notification. Upon speaking with an Equifax representative name  XXXX  today, she stated it was reinserted from a notification they received from  XXXX . This makes perfect sense because I recently file a complaint about  XXXX  on   XXXX  . She also stated that the item is in dispute based on the information that   XXXX   sent to them. This is very concerning to me, for one how can they report something based on  XXXX  & furthermore, put it in dispute based off that same notification? I never gave   XXXX    permission nor authorization to share or furnish my information with anyone especially another bureau. Both Equifax  &    XXXX    have violated the FCRA & upon checking their website to view my report, it states this information was furnished by   XXXX   XXXX   ( a third party ), which is also illegal according to the FCRA. I 'm including the most recent report from Equifax dated   XXXX   XXXX   XXXX   in which you will see that this Bankruptcy was not reporting on my file & has not been for over 2 years. My ask would be that Equifax please delete this item immediately &  XXXX  refrain from sharing any of my information with other bureaus..

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Unsolicited issuance of credit card

Complaint: I have contacted XXXX XXXX and Citi Bank to request that I no longer receive credit card offers, and continue to receive an offer almost every month. Attached is the email conversation I had with XXXX over a year ago, I have returned information to Cit Bank numerous times without any success stopping the offers. Cit lists a phone number to apply for the card, but none for stopping offers. I have registered with pre-screen opt-out.

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 12/30/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Late fee

Complaint: I went into the XXXX in XXXX, PA and paid my Boscov 's credit card in full. 
I then received a bill in the mail with a {$25.00} late fee and charges of {$2.00} and XXXX on top of my balance that I already paid. 
When I called the number on the back of my card, they said that I did n't pay and I would need to fax a cancelled check. I went to my bank and they called the cardd company and after an hour on the phone with them, they did n't help me. They wanted my bank to fax a copy of my statement for proof of payment with all my persona information on it. I also told them a had a receipt of payment when I paid them by check, which my bank faxed them. They told me they were suspending my account. I paid my bill on time at the store. 
Is this how they make money by taking advantage of seniors - asking us to pay twice and then threaten me with late charges and shutting down my account. 
I have never been late and on a fixed income - I cant afford to pay twice and let them figure it out if they EVER figure it out.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Non-federal student loan) with MASSACHUSETTS EDUCATIONAL FACILITIES AUTHORITY (CT).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: My complaint about ACS began when I initially attempted to come up a way to temporarily postpone my payments due to lack of flexible options my loan servicer provided coupled with my financial hardship that I was currently going through at the time. There was an agreement that was reached in which we decided on a modified repayment plan. This meant that for the first 6 months I would have 0 $ payments and then incremental payments for the next two years. Essentially I was paying a percentage of what I owed which was working. However, in order for this payment plan to begin, I needed to set up autopayments which ACS had no problem doing. So I went ahead and began autopayments as usual assuming that in 6 months, my payments would begin to go through as expected. ACS failed to notify me that the autopayments were no longer going through which caused my payments to be delinquent for the 10 months before realizing it. I asked ACS why this happened and how come no one notified me of this change. ACS did not have an answer. I found out that there was a change in legislation that prevented me, being the cosigner on the loan, to make autopayments. If this were the case, why did ACS let me go so long without calling or notifying me of this error. As a result of this mishap, My credit is ruined and ACS refuses to take the 10 delinquent payments off of my account because of THEIR error. When looking at my payment history, you can see the time from when the modified payment plan started and when the phone calls were made to inquire about this issue. ACS will also not give me any more information regarding this including dates ( not viewable on the web ) and other supporting documentation. I am looking to have these 10 payments removed from my credit history with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Today, XX/XX/2017, I received XXXX emails in a row informing me that my account had been put into an " administrative Forbearance '' based on my request that I never made. There was no information available in my account online to show what this was for. Navient has taken over from my previous lender XXXX just a few months ago, at the end of XX/XX/XXXX of this year. In the process of the switch we followed ALL instructions from XXXX and Navient and stayed 100 % on every payment. My phone call to Navient told me I did not have a choice on the forbearance since my account was DELINQUENT. I have not missed a single payment and all Navient could tell me was that it was delinquent but not how or why. She said " it must have been with XXXX ''. That is 100 % incorrect. I requested an immediate cancellation of this " administrative forbearance '' but have no documentation to prove it. 

I also applied for educational loan forgiveness through DOE and they have had 3 months to respond. In the phone call this morning I was informed they declined the forgiveness for the 3rd time due to something my employer was asked to fill out. I now have to fill out all of the paperwork and submit to my employer a 3rd time.

Company response to consumer: Closed with explanation