milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit decision / Underwriting

Complaint: In XX/XX/2010 because our income had declined by over 50 % during the real estate crisis, we contacted our mortgage servicer Bank of America to ask for a loan modification. They ( B of A ) told us we qualify for the " HAMP '' mod program and the instructed us to start the trial period by making modified payments, which we did starting in XX/XX/2010. The trial period was supposed to be 90-days then either an acceptance or denial would be issued, based on on time payments. We followed their requirements and made all payments on time as prescribed, only to be declined 7 months into the program with no notification from the mortgage servicer. We called in to the bank in XX/XX/2010 to see where we stand because we had not heard from them at all. At that time they told us we were declined for modification because their " Investor Guidelines '' stated we had to be delinquent at the time of entering the HAMP program. We were understandably upset by this and the lack of communication from Bank of America, they had to know we were not delinquent at the time they told us to enter the trial payment period, so we filed a formal complaint with the US treasury service by the advice of our HUD counselor. Then approximately 3 weeks later we got a call from someone at B of A to see about resolving the issue. They put into an " in house '' loan modification which amortized us out another ten years on the note, reducing the payments for three years. The current issue is they refuse to modify our loan now based on our current income, continuously giving us the run around for reasons why, and they are reporting us as 60-90-120 day lates back in XX/XX/2010 when we were making the modified payments they put us in. We have asked them to update our credit report to show no lates as per page XXXX of the HAMP modification program guidelines, it clearly states that if the borrower is current at the time of entering the loan modification trial period and makes all the trial period payments on time, they are to be considered " Current '' as far as credit reporting is concerned .... I have asked B of A to adjust this issue as it prevents us from being able to refinance our current loan or sell our house and purchase another mortgage more affordable. They are not able to effectively respond and get this done, just dragging their feet and stalling us ... ..

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 09/26/2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (WA).
Issue: Settlement process and costs

Complaint: This is the XXXX time I have felt it necessary to file a complaint about Suntrust Mortgage ( see CFPB case # XXXX ). On XXXX XXXX, 2015 I started the process of doing a refinance with Suntrust, which has been my mortgage company for many years. Because of my good credit history in general and with Suntrust I was told at the time that this should be a fairly easy refinance. After now making XXXX additional mortgage payments at the old rate of 6 %, with another coming due the XX/XX/XXXX, I still have not closed on my refinance. I have heard many excuses for the delays none of them involving a problem with my account. The latest incident was this week when I was told on Tuesday XXXX XXXX that Suntrust was ready to close and they setup an appointment for a notary to meet with me on Friday XXXX XXXX to sign. On Friday the notary called me to let me know that they had not received the documents from Suntrust and they were not responding to there emails. After I contacted Suntrust a new appointment was set up for the next day, Saturday the XXXX. At XXXX on Friday the notary called me to tell me I needed a certified check to cover some of the closing cost. Suntrust had never said that I would need to cover any closing cost in fact they have always said those costs would be rolled into the refinance. With the banks closing at XXXX for the weekend there was no way to even get a check if I had wanted to. In addition to that the notary made mention that my wife would need to be at signing. I have n't been married for 12 years and in fact Suntrust had requested a copy of my divorce decree which I provided, two months prior. In the mean time another week slips by as I wait for this " simple refinance '' to be completed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-12-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: On XXXX/2017 I was charged {$41.00} for my XXXX XXXX XXXX  gym membership. The debit should not be automatic, the amount should be {$40.00}, and the debit should take place on the XXXX of the month, but not at all because I manually pay in person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2018 about Debt collection (Federal student loan debt) with Student Loan Processing Direct, INC (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX XXXX has assigned an unknown debt collection company called XXXX XXXX XXXX to collect an unknown debt. They currently still report this unknown collection to XXXX. XXXX has successfully verified this collection despite of the evidence that I 've provided to them to have these collections deleted. This debt collection was reported by the credit bureaus to XXXX XXXX XXXX/ U.S. Dept . Of Ed as a fraudulent account back in 2014 and was deleted from my credit report. Since then the U.S. Dept. of ED has reposted this said collection ACCOUNT ( S ) ( # XXXX ; XXXX ; XXXX ) to the credit bureaus without notifying me first. These collection accounts are fraudulent unknown accounts. I have reached out to XXXX XXXX, XXXX XXXX XXXX to have them removed several times but no reply or regard. I 've included with this message evidence of these accounts been deleted in 2014. 

1 ). The XXXX XXXX XXXX, of THE U.S. DEPARTMENT OF EDUCATION ; Same Business verified fraudulent accounts 3 times in a row after CRA notified you that they accepted my Identity Theft Report as sufficient. 

2 ). The XXXX XXXX XXXX, of THE U.S. DEPARTMENT OF EDUCATION ; Same Business refurbished these fraudulent collection accounts without proper notice to me, violating myFRCA. CRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( A ). Once a CRA informs a furnisher that it has accepted a victims Identity Theft Report which states that the information the company furnished was caused by identity theft, the furnisher is prohibited from refurnishing that information to a CRA. 
The same prohibition on refurbishing fraudulent information to a CRA applies if the victim files her Identity Theft Report directly with the furnisher. FCRA 623 ( a ) ( 6 ) ( B ), 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ). 

3 ). The XXXX XXXX XXXX, of THE U.S. DEPARTMENT OF EDUCATION ; also sold/assigned these fradulent previously deleted accounts to a collections services to collect on known fraudulent accounts that CRA deleted do to fraud after you were informed by the Credit Bureaus ; ( XXXX, XXXX and XXXX ), that they were fraud. See attached Letter 2. This is a violation of FCRA 615 ( f ), 15 U.S.C. Preventing a company from selling or placing for collection bad debts that result from identity theft : Once a CRA informs a furnisher that it has accepted a victims Identity Theft Report which states that the debts the furnisher reported in the victims name resulted from identity theft, the furnisher is prohibited from selling those debts to another company for collection. 

The CRA is obligated to notify me within five business days in writing before reposting accounts on my credit reports. Failure to notify you the Credit Bureaus will be liable under the FCRA Part ( A ) ( XXXX ) ( B ) ( XXXX ). The Credit Bureaus must compensate in the amount of {$1000.00} for violation of FCRA.

Company response to consumer: Untimely response
Consumer complaint received 08/26/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was unable to pay my loan due to unemployment and then being XXXX. I am now a XXXX and struggle to pay off my loan with Navient ( XXXX XXXX ) which has ballooned from a {$52.00}, XXXX loan to {$120.00}, XXXX. I do not know how I will pay off this loan in my lifetime and they will not agree to a reasonable settlement. The company has harassed me and did not provide a decent solution until I was almost about to be sent to a creditor or debt collector. 

I am also in debt with the federal government and have been told confusing information about the public loan forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I requested XXXX statements for XXXX separate loans for the years XXXX and XXXX from Wells Fargo in writing on XXXX XXXX, XXXX. Since that time, I have received letters stating that I have no XXXX for those time periods. I know this to be false because I actually have XXXX XXXX for XXXX. They also told me it would take until XXXX XXXX, XXXX to complete my request. That date was later revised to XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. This delay is causing me great harm in that it is preventing me from completing my loan modification request since I can not complete my taxes. Likewise, I am receiving notices from the IRS claiming that you have reported this income to them and that I owe $ XXXX to which I am unable to respond due to the bank 's failure to respond to my request.

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 02-02-2017 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (CO).
Issue: Application, originator, mortgage broker

Complaint: I currently have a second mortgage on my home that I have lived in for 17 years. XXXX PNC bank as far as I know still has my second mortgage that I currently pay on. 
I never receive any documentation from these people, no statements, I have no idea what I owe etc ... or if I 'm even in good standing. About a year ago I was going to refinance and noticed that they appeared on my credit report under bankruptcy, I called and left several message received no phone call back. I did not send in payment for a couple months in hopes this would prompt someone to call me back, instead they put me in pre forclosure over XXXX dollars which I then paid in full, since then not one source of documentation or communication. now I am going to attempt to refinance and they do n't even appear on my credit report at all.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CT).
Issue: Rewards

Complaint: Hi, This is XXXX. I want file an complaint on American Express Credit Card. I received an offer regarding the spending offer for my XXXX ( R ) Business Card ( ending - XXXX ), and here is the offer term : 1 Limited Time Offer : To be eligible to earn the {$50.00} credit statement associated with this offer, you must be the named recipient of this invitation and you must use the Card specified on this invitation ( or an Additional or Employee Card under the Card specified on this invitation ) to make a qualifying purchase* of {$1000.00} or more between XX/XX/XXXX and XX/XX/XXXX ( " Offer Period '' ). Purchases may fall outside the Offer Period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. ( For example, if you buy goods online, the purchase date may be the date the goods are shipped ). In addition, you will not receive the statement credit associated with this offer if American Express does not receive information that identifies your transaction as qualifying for the offer. For example, your transaction will not qualify if the merchant disaggregates or splits the {$1000.00} purchase into smaller transactions. Limit one offer per Card account. This offer may not be combined with any other special offer. The {$50.00} credit statement for this offer will be credited to the XXXX only. You will receive a maximum of a {$50.00} statement credit under this offer. The {$50.00} credit statement will be credited to your account within 6-8 weeks after the qualifying charge appears on your billing statement. 

I spent more than {$1000.00} from XX/XX/XXXX to XX/XX/XXXX, but I have n't received the {$50.00} bonus. I contacted Amex several times regarding this {$50.00} bonus. Every time Amex had a different reason. Even if the CSR said I met the requirement, but still I have n't received the {$50.00} bonus. 
Would some one please help me on this? I do think Amex should be serious to his customers!! 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (PA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I signed up for  a TD Bank acco unt for their {$300.00} deposit bonus. I completed the required steps to receive the bonus, and then after the deadline for the requirements they decided to tell me that I did meet them, even though the transactions in the account clearly showed that I did. I could have had this money invested earning interest but instead these crooks got to earn free interest on my money then deny me the bonus that was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX, XXXX I look on scoresense to check for accuracy of my report. I notice I had a couple of inquiries I had no idea of nor authorized request. I call Trans Union customer service ( I know this is going to be a run around ) and the representative would not help take care of the negative inquiries reporting to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 09-07-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I sold my house in a short sale and the mortgage company did not provide me with the relocation incentive. At first they said it was taken to pay off liens on the property but one of the liens was not paid because a release was issued on the lien. After I informed them about this they no longer have any excuses and are not offering any.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (OH).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX while using their exchange system ( XXXX ) I was automatically logged off and was no longer able to log back in. XXXX would give a message stating " An error has a occured. Please contact XXXXsupport. '' I have contacted both Coinbase and XXXX ( OnXX/XX/XXXX and many times after ) without any resolution or movement on the matter. A ticket was entered and " escalated '' which stated I would receive reply back from their " specialists '' within 4-5 days. It's now been 7 days and still no response. 

I have funds locked up by their system without any reason or explanation from them as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On all  XXXX  credit agency reports, it is listed that I filed Chapter  XXXX  bankruptcy on  XXXX -2013. I have filed a dispute with all  XXXX  agencies several times and they have come back with the decision that the information is accurate.   XXXX  It is NOT accurate as I filed a Chapter  XXXX  bankruptcy on that date and NOT a Chapter  XXXX . If they truly did investigated the dispute, they would have found this information was inaccurate and should have been removed from my credit reports.   XXXX  However, I do not believe that it was investigated, and this is fradulent activity on the credit reporting agencies part.   XXXX  I would like this bankruptcy information on that date removed immediately.   I have the paperwork of what type of bankruptcy was filed and am able to provide that to prove that this is inaccurate and should be removed from my credit report.   XXXX  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 non-monetary relief
Consumer complaint received 09-04-2015 about Debt collection (I do not know) with Northstar Location Services, LLC (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Northstar Location Services has contacted me XXXX times and told me that they are looking for my mother who owes a debt. My mother did not give my cell phone # to them. I do not know how they found my cell phone #. They are nasty on the phone.

Company response to consumer: Closed
Consumer complaint received 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have contacted XXXX, Transunion and XXXX to file disputes on fraudulent activities, wrong personal information about me such as my name address information and other eronious items listed on my credit reports, that didn't belong to me, the latest dispute I filed with the credit bureaus were in XX/XX/2018, I disputed that there were innacuracies in the amount that was reported that I owe on my report for example one creditor by the name of XXXX XXXX  said that I had a {$300.00} credit limit with them but are reporting on my credit report that I owe them close to {$500.00} which is fraud plus they are the company that kept a {$90.00} security deposit from me and never gave it back but neither have they credited it back to me as a check but they kept it and have not account ex for it, this accounts is being fraudulently reported on my credit report, there are two auto loans that have been paid off in full and on time, listed as open and never late on my credit report, but the credit bureau is falsely claiming that there was a late payment and even though I spoke to the car company and they assured me that they did not report it as late and that it was the credit bureau, but when I disputed it through the credit bureaus they refused to delete it and will not remove it from my report, they're are names of Creditors that I do not recognize or I have never dealt with on my credit report such as XXXX XXXX XXXX, they even have XXXX   an car insurance provider on my credit report which I have already disputed numerous times but the credit reporting agencies still have these items listed on my credit report fraudulently, my latest dispute that I filed was in XX/XX/2018, and still no remedy. I am asking for help because my credit has been destroyed by thee credit bureaus and are causing me not to be able to obtain auto loans, mortgage for housing, and rejection from credit card companies etc, this is unfair and I want justice.

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 02/18/2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (MA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: on XX/XX/XXXX I used my card for a {$100.00} deposit for a complimentary room at a hotel on the XX/XX/XXXX the hotel released my deposit back to my card but netspend did not post it.On XX/XX/XXXX I again used my card for another {$100.00} deposit for a complimentary room at the same hotel the hotel released the funds back to my card and netspend did not post it.

I called netspend and was told XXXX XXXX XXXX XXXX tried several times to release the {$100.00} deposit back to my card for both deposits but netspend informed me I need a letter from the merchant stating i would '' nt be charged in order to put my money back on my account and would need a letter from every merchant for a refund in the future. 
Once the merchant released my deposit it should have been posted to my account instead netspend would like me to jump through hoops to retrieve it. 
i am also missing a refund in the amount of {$82.00} from a purchase i made at glock store online on XX/XX/XXXX and was told once again i need a letter from the merchant to retrieve my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 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: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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