milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Struggling to pay mortgage

Complaint: I was approved for a loan modification on  XX/XX/XXXX   ( See letter attached ).  I completed the requested trial successfully  ( S  ee letter  dated  XX/XX/XXXX  ). I was issued final loan modification documents some time in    XXXX   XXXX   . I signed and returned those documents to Bank of America within the time allowed  ( Pa rtial copy attached as I have lost the rest of the agreement ). I then made my first regular modified payment on   XXXX   and never missed a payment until Bank of America stopped accepting my payments some time around   XXXX   XXXX  . I hired an attorney during this process to help me with the paperwork. That law firm,   XXXX    XXXX   XXXX  , told me everything was done and my loan modification was completed in   XXXX   XXXX  . Around   XXXX   XXXX   Bank of America stopped accepting my payments without notice. I returned to my attorney 's office,   XXXX   XXXX   XXXX  , and asked them to find out why my loan was having a problem. The attorney called the bank and said it was fixed and I again could make payments. I made  two more payme nts and then Bank of America stopped accepting my payments again. I returned to   XXXX   XXXX   XXXX   and I was told by the attorney that it was my fault and that I did n't fill out the paperwork correctly. The only way he would help me is if I paid him again. I had no choice and I have been paying   XXXX    XXXX   XXXX   {$500.00} per month to fix my loan. I now received a N otice of Sale  with a sale date for  XX/XX/XXXX . I called   XXXX   XXXX   XXXX   to inquire as to why I would have a sale date if they were working on my loan and the only thing I was told was that I still owed them {$500.00} for the month of   XXXX   XXXX   and if I did n't pay it they would sue me and that they would not help me unless I paid the {$500.00} immediately. Otherwise my house would foreclose. I never made any errors I was made aware of by Bank of America in returning my loan modification agreement. I never missed any payments until Bank of America stopped accepting my payments. I have never received anything from Bank of America explaining why they stopped accepting payments from me or advising me that my loan modification was either cancelled, not honored or whatever. I 've been completely in the dark and to this day I do not know why my loan modification was not honored.

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 03-11-2016 about Debt collection (Medical) with Radius Global Solutions LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was unemployed and on Medicaid at the time. This ER center said they took Medicaid prior to my arrival. It a simple visit by a doctor, XXXX and prescription 's had written and I was on my way. I was n't there more then 45 minutes.

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 Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problems caused by my funds being low

Complaint: I am a XXXX who was looking for a job on my university 's job net and I came across a job that seemed legit. Therefore I applied for the job by sending my resume to the email on the page and I heard back from him two days later. He had my information from my resume and mailed me a check and told me to deposit it into my checking account and to let him know when the funds cleared. As a college student seeking a job to support myself, I went ahead and did so. However, something told me to go into TD location and speak with someone to see why the fund was taking so long to clear. They told me the check was fraudulent. That is when I reached out to the person and they began ignoring my calls. TD bank made {$100.00} available and I withdrew that. I was a new customer as of XX/XX/2017 so I was unaware that TD bank even did that. Due to this bounced check that this person sent to me I now owe TD Bank {$150.00} for an overdraft. However, when I opened this account I told the lady that worked with me that I wanted to be protected from overdrafts and she obviously was not listening and did otherwise. I filed a police report and spoke with district attorney and they both told me there is no reason why TD bank can not waive these fee 's and found it more inconsiderate that I am a student who is not working and can not afford to pay this fee. I went into a TD location on XX/XX/2017 and the teller told me I am still responsible so I went in again on XX/XX/2017 and the manager told me the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed XXXX XXXX XXXX with Equifax on numerous occasions and they continuously take whatever information is provided to them with now actual review of their own records for accuracy. I called Equifax directly after the last result on XXXX/XXXX/16 and spoke with their representative to find out why nothing had changed. The representative told me all they do is take the information submitted to them and report it. I asked them to review the status which states open even though the account clearly shows paid. She stated yes, however, that 's how it was reported to them by XXXX. I asked her if she could see where this was a collection agency not a creditor, yet it 's reported under my creditor accounts. She said yes, but that again, they can only report what XXXX gives them. I asked her if she could not see they are reporting several missed payments like a creditor though it 's a collection agency and got the same response. If they actually investigated the information and linked it back to the XXXX, they would see the original creditor lists last date of payment as XX/XX/XXXX, XXXX lists it as XX/XX/XXXX. She finally told me if I had issues with it to call XXXX, which I did. XXXX 's response was they report it correctly and if there 's a problem, it 's due to how the CA is reporting it and to send in my receipt of payment to the CA. Neither will take ownership of this problem, nor correct it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2016 about Debt collection (Mortgage) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Moved out of apartment due to condition of carpet from previous owners having pets ... contacted management on several occasions and was told I could move without any penalty!

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 09-08-2015 about Credit card () with FIRST NATIONAL BANK OF OMAHA (RI).
Issue: Credit card protection / Debt protection

Complaint: My credit card was used with out my knowledge or authorization by my XXXX year old son. 
I had previously bought online gaming for him. And I did not realize the credit card information was stored on the computer. My son did n't understand he was using my credit card. There are multiple and duplicate transactions that if you were to look at my statement anyone could realize something was n't right. 
According to my credit card contract I have zero liability for transactions made with outmy authorization. However I was told in writing that I am responsible and its not considered " fraud ''. I never said it was fraud, its " unauthorized transactions '' I believe this wording of theirs is what is protecting them and not me as in my contract with them. 
Please advise, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have a few concerns on my credit report, that 's not accurate! 
1. My names used are incorrect. ( my wallet was stolen or lost in XX/XX/XXXX & XX/XX/XXXX ) 2. Account terms and status are incorrect ( multiple school accounts with is only XXXX in good standing. ) 3. The creditor for my mortgage will not list my Debt on my credit report which would help my credit score. ( Never was late with payment in 15 years ) 4. Have an judgement on my credit report that been resolved. ( Still showing )

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have tried to reach TransUnion to no avail ... they are NOT responsive. 
They have me listed as a " delinquent account '' with XXXX XXXX XXXX which is totally inaccurate. I charged a recliner with XXXX in XXXX XXXX ( or XXXX ) for $ XXXX with XXXX XXXX XXXX. I paid monthly for a year and totally paid it off! Then I considered buying a bedroom set with XXXX ( XXXX?? ) and the salesman noted that I already had an account with XXXX XXXX. However, I DID NOT BUY THE BEDROOM SET! But ever since then TransUnion has reported me as having an account and being delinquent which is totally INACCURATE. They have messed up my credit score unfairly and this issue needs to be resolved once and for all. There is NO account with XXXX XXXX XXXX. ( I have receipt for recliner but do n't know how to attach 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 08-03-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (WI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In early   XX/XX/XXXX , I rece ived an email inquiry from   XXXX   XXXX   about refinancing my current  XXXX  condo mortgage. Since my mortgage is held by Wells Fargo, I contacted it about refinancing. The terms sounded good over the phone, I began the process. Later that day, I received a dozen or more somewhat confusing emails and despaired of the entire process, especially after discussing with my wife who reminded me of our desire to sell the condo next  XX/XX/XXXX / XX/XX/XXXX . So the next  day,  XX/XX/XXXX  be lieve, I stopped the process.   When I received my credit card statement, an amount of {$500.00} was billed but only {$470.00} re credited. I call t he WF rep (   XXXX   XXXX   ) who said t hat the remaining amount was for a credit report which was non-refundable. The next day or so, I asked when I would receive a copy of that report. She said that I would not and that it belonged  to WF. I wo uld like my money returned OR a copy of the report I for which I paid.

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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
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: On XX/XX/2018 I sent a certified letter to Equifax asking to validate an account ( XXXX, XXXX, XXXX ) reporting negatively on my report. They responded with the account was verified but sent so validation paperwork. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Equifax disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that is reporting in my credit report. Equifax has responded to my request by saying that these accounts have been verified. Equifax has not sent me copies of the documents that they have in their files that were used to validate these derogatory accounts. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness. Equifax has ignored my request to provide me with the documents that their company have in their files that is used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have sent certified letters asking Equifax reporting agency to VALIDATED these accounts with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I contacted Navient regarding XXXX private loans on XXXX XXXX, 2015, I called in to the Navient customer service line and was advised by representative XXXX that I was eligible for revaluation of my monthly loan payment amount, due to recent change in income due to health related events. She advised me to call back in on XXXX XXXX, 2015, after my payment due date of XXXX XXXX, 2015 and request a revaluation of finances in order to decrease my monthly payment amount. She also offered to give me a call on the XXXX XXXX, 2015 at XXXX in order to assist me with the revaluation of finances. 

When I did not receive a call from this representative on XXXX XXXX, 2015 at XXXX, I called in and spoke with representatives XXXX and XXXX. They XXXX explained that I was misinformed by representative XXXX and that I was not eligible for loan payment recalculation and any that any possible payment that I make, below the past due amount for the month of XXXX, would not bring my account back to current status. 

I have since contacted the Navient advocate department via phone on XXXX XXXX, and requested that my call with representative XXXX be reviewed and revaluation of finances be granted do to the misinformation I was provided. Presently my XXXX private loans reflect past due because of this. 

XXXX contacted me late in the afternoon ( XXXX -- she leaves for the day at XXXX, this left me little to no time to return her call ) on XXXX XXXX during my scheduled work hours, I was unable to take her call. She left a message providing me with her extension XXXX, however I have attempted to contact her several times and she remains unavailable, with no option to leave a voice mail message. 

I have sent XXXX several direct e-mails, requesting that she contact me via e-mail as to avoid further miscalled and miscommunication. I have received no response from her, and my account continues to reflect past due amount, putting me in danger of being removed from the payment program, and ultimately affecting my credit score. 

I would greatly appreciate your assistance with resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Advanced Collection Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is coming after me for an alleged debt. this was a rental property where the company had unbearable living conditions. So due to me being pregnant I decided to move with the manager 's approval. So the contract with rental property is over XXXX years ago. 
I informed the collection agency that the alleged debt is over XXXX years old and asked them to validate. and to date no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (AZ).
Issue: Trouble during payment process

Complaint: after 6 calls and told each time they were going to fix problem on their end. i keep getting late payment foreclose notices. i have not missed a payment, my auto pay paid one 2 days earlier due to a XXXX requiring early payment, my payment have bee moved up 3 times, so if a payment falls on a weekend or non working day, its applier earlier month or late. changes make auto pay since they bought my loan, i have change auto pay, after the fact, with it extra late payment, but paid still in grace period.fixing issues is and having them follow through is the main problem. it took 6 month to fix last issue, and i got foreclose notices every week. for months after the corrections.they applied the extra forced escrow payment to the wrong place even after they refused to reapply the extra principal pre paid to escrow. both in wrong account. i over pay my amount by {$75.00} for the last 10 years to cover escrow and other unseen issues. 
i have had to pay XXXX extra escrow due to prior mortgage mistake. my payments went up XXXX $ and still have not returned to normal amount even after i paid mistake amount. i hoping to sell home but need to get them to really fix problem. late fees are removed and re issued on next bill, im told they will address issue but problem goes on.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Trouble during payment process

Complaint: In   XXXX   XXXX   XXXX     I refinanced my home with Nationstar mortgage  ( See  attached loan closure document ) to lower my payments from {$2600.00}. At this time I had an escrow account balance of {$10000.00} which was to be transferred over to the new loan. After the refinance my mortgage payments were to be {$2200.00}  XXXX   XXXX   XXXX    XXXX   statement ). I made these payments for  XXXX ,  XXXX , and  XXXX .     In  XXXX  I received a letter that my  XXXX  payment had not been received. I called to inquire as to what happened as my bank account had been debited. I was told that I had an escrow shortage of approximately of {$9500.00} which was due to them having to pay my taxes and me not having enough money in my escrow account to cover the costs and that my new payment was {$3000.00}. I explained to them there must have been a mistake and questioned them as to what happened to the money in my escrow account. They said they would look into it and get back to me but it looked like it was used for loan fees.     After further investigation it was discovered that Nationstar 's escrow department had made a mistake and paid for my taxes twice. As a result they were demanding that I still pay the additional {$800.00} in fees until the tax company could return the over-payment. I refused and came to an agreement that I would only pay an additional {$61.00} per month until the over payment could be returned.     The tax companies have refunded the over-payment and now I have requested to have my escrow account closed because of how they handled this situation. I was sent a denial letter and I have been told during a follow up phone conversation that I can not close my escrow account because of a RESPA law that states I must have the loan 12 months before I can close my escrow account. I have researched the RESPA law and have not been able to find anything that prevents me from closing out the escrow account.      ( See attachment entitled Nationstar escrow dilema for further details. )

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I would like you to look into how Citigroup determines how much the mininum payment should be. I have had credit since XX/XX/XXXX. I expect the minimum to go up if I have defer the interest and did not get payoff on time or if I have miss payment or had late payments or if I had use the credit card. But my account with Citigroup is closed. I closed my account in XX/XX/XXXX. These are the minimums that they have charge me on my account. The minimum goes down and then jumps back up. The minimum should be staying the same or go down. Here is the listed. month year minimum XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$97.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$98.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$96.00} XX/XX/XXXX {$98.00} XX/XX/XXXX {$90.00} XX/XX/XXXX {$95.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$97.00} XX/XX/XXXX {$91.00} As I stated early I have had credit since XX/XX/XXXX, my minimum on my statement either stay the same, goes down if I do n't use the card, or goes up if I had use the card or had defer interest that I did not get payoff on time. But on a closed account the minimum should stay the same or go down only. I hope you will look into to this. 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 explanation
Consumer complaint received 02/14/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Making/receiving payments, sending money

Complaint: Im going through XXXX and need help ... on XX/XX/2017 my checking account was accessed with the intent of syphoning off money, we know it was the computer tech we hired. While he was in my acct he accesed our company acct and the XXXX applied {$150.00} to my att acct from the business checking acct. I mean if you 're going to rip some one off at least do it right. Chase bank is refusing to retract the pmt from XXXX, citing because it was my acct that was paid its not fraud. They refused to open a file and conduct an investigation. XXXX XXXX claims specialist, Sup XXXX XXXX XXXX x XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NJ).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I received a call on my cellphone today, from a company, who 's telephone number is ( XXXX ) XXXX " Unknown Name '' on my caller I.D., claiming that I owed {$890.00} plus change, to Bank One. I never knew Bank One existed, let alone ever having a credit card with them. The caller, first a man, then a woman, knew my social security number, as well as my XXXX XXXX XXXX How did they even get this information?

Company response to consumer: Closed with explanation