milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: greentree mortgage servicing call me at XXXX from this number : XXXX. this is their number have responded to call from this number before. I fell that they harass me repeatedly over the years however this was the last straw calling me at this time of the night. My mortgage is current although I do you the grace period allowed under the mortgage terms which is I pay a late fee if late after the XXXX of the month. Most of the time I receive repeated call after the XXXX of the month until the show in their system as paid. I have no problem with a company calling however to continually do this each and every month is a little much. my thoughts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Consumer Loan (Vehicle loan) with CITIZENS FINANCIAL GROUP, INC. (GA).
Issue: Managing the loan or lease

Complaint: I had a customer trade in a vehicle at my dealership XXXX/XXXX/XXXX and I sent a payoff check of which RBS Citizens cashed. The title to vehicle is an electronic title and since my initial contact with Citizens bank they have given me the run around. Up until XXXX/XXXX/XXXX when XXXX XXXX was able to provide a lien release letter, there has been no help or resolution. I have left two messages with no call back XXXX. As it stands the lien release letter does not work for electronic titles. It is now XXXX/XXXX/XXXX and Citizens has had my money since XXXX/XXXX/XXXX. RBS Citizens has been unwilling to take the proper steps to release the electronic title and I am asking assistance from your organization in hopes that you can get the desired results. Below is all the information of accounts and contacts all of which other than XXXX XXXX have accomplished nothing after hours of phone calls and multiple messages : Customer who traded car in : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX RBS CITIZENS BANK XXXX CITIZENS BANK XXXX ACCT NUMBER XXXX Over night payoff check to them on XXXX XXXX XXXX Signed for by XXXX XXXX RBS CITIZENS Contacts with whom I spoke with over last four months : Last spoke with XXXX XXXX XXXX Office of Chairman XXXX Results- she was able to get a Paper lien Release Paper Lien release is no good for Electronic title XXXX Direct line Electronic Title Division : Main Number XXXX XXXX XXXX XXXX XXXX Multiple conversations and messages left with no results XXXX XXXX ext XXXX Two Conversations and no results *****As of todays date I contacted the State of Georgia and they indicated that RBS Citizens nor their title servicing company has not made any request or action on the title involved. No activity on the title has taken place since XXXX of XXXX when the owner first purchased the vehicle. This indicates that after multiple calls and representatives that no one single action has taken place. The results of this failure to process title in timely manner has cost my company several XXXX dollars in lost revenue due to the fact I could n't register the title in the new owners name. I am requesting you assistance and appreciate any direction on this matter. Kind Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax will not do a proper investigation. They continue to say the information was verified. Which is a lie! I have no account with this company nor have I ever signed any contract to do business with them. They have neither lent me anything nor have they provided services to me for which I requested. They are under an order to Cease and Desist and accordingly, this must be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied in XXXX 2015 for a home loan modification with Nationstar Mortgage. After submitting approximately XXXX applications that were all denied, Nationstar foreclosed on my property XXXX XXXX, 2015. Each time I applied, Nationstar claimed that I did not meet the debt to income ratio. Throughout the process, I never spoke with a representative that understood the underwriting process nor did I have an opportunity to speak with the person assigned to my case. My case manager was changed several times throughout the process. There was no continuity in the process. The calls I placed to Nationstar were repeatedly answered by a different mortgage processor. Therefore, the process kept repeating itself as each processor who reviewed my case reached a different a conclusion about the documents required. There were also instances where processors were unable to locate documents I faxed or scanned to Nationstar. The entire process was horrific.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received an updated credit report with corrections # XXXX also I received a full revised credit report # XXXX, however after carefully reviewing Equifax overlooked XXXX more inquires that need to be deleted due to them being unauthorized. 
1. XXXX XXXX XXXX Bank dated XXXX/XXXX/20142. XXXX XXXX dated XXXX/XXXX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XX/XX/XXXX I wrote a check {$110.00} ( check # XXXX ) from my citibank checking acc. to the  XXXX XXXX XXXX ( XXXX ) on behalf of my brother XXXX XXXX ( he is unemployment since XX/XX/XXXX and i am willing to let him borrow my money and support him daily basics including his passport processing fees ). On XX/XX/XXXX the XXXX send him a letter to deny the process his application because he owe child support. My brother called child support, and they ask him to pay about $ XXXX/month since XX/XX/XXXX while he is unemployment. The child support did not accept the fact that he is unemployment since XX/XX/XXXX. They enforce him to pay the old Court order with the amount when he was employed. Since his passport application was denied, the XXXX cashed the amount {$110.00} from my checking account on XX/XX/XXXX. We called the XXXX to ask for the refund, but the XXXX can not do the refund. We called the Citibank can not do either since the check withdraw in cash direct from the bank. I talked to the representative XXXX dispute units ID XXXX. If the XXXX can not provide the service, the check should not be cashed out from my bank.

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 10/24/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/2017 I was in Bank of America in XXXX XXXX, VA around XXXX XXXX. Their ATM machine took my ATM card for the third time as I was told that it has been happening to many customers. I was first in line and two ladies were behind me. one was a XXXX XXXX mid age American and the other was a very pretty well dressed young woman. This bank 's employee of course a man, who is in charge of customer service also giving new ATM cards, called the XXXX  lady first and took care of her then he called the young lady behind me and I had to speak up to remind him that I was here first. He told me to go and and wait in the last office and he will be there. He came after several minutes because he took care of the pretty lady and without saying hi or bye, he gave me an ATM card with a angry attitude.. I was not dressed up well and my appearance was simple. That bank employee treated me really bad and was very rude ... I was mistreated badly before by this bank because of my appearance. I know for sure that I got discriminated against badly by people of this bank.

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 09/26/2016 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Experian refuses to let me obtain my paid credit disclosure online. On XXXX XXXX and again on the XXXX, I attempted to purchase my Experian disclosure online for {$12.00}. Although I entered precise, accurate identifying information and the address as exactly written on my previous Experian reports, Experian refused to let me complete the purchase online. Instead, they try to force me to call an automated number which can not accommodate hearing XXXX. I also do not wish to obtain my reports via mail as it takes too long and also it 's onerous to scan my XXXX report to save in PDF format. Obtaining it online allows quick conversion into PDF. Experian does this to force me to pay them over {$30.00} for a different online version which they do conveniently allow me to purchase online. I believe Experian refuses online access as a means to generate additional revenue when forced to buy the {$30.00} version.

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 06-08-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Bank card made unauthorized withdrawals over years. We only discovered it when we began questioning an unknown XXXX withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (OR).
Issue: Settlement process and costs

Complaint: I recently purchased my XXXX home. This is all new for me since I had to work hard to build credit. I was informed that It would be convenient to have my home owners insurance included in my escrow payment. I had insurance through XXXX, and canceled it for this reason. I assumed the policy was the same coverages. No one from either JP Mortgage, Chase Bank reps, or the insurance company explained the policy to me, or what coverages were. No one even. Called me. Our house recently burnt down. It has been almost 3 weeks, and the insurance has just contacted me with settlement to repair house ; not rebuild. They even want to place new counter tops on the burnt cupboards. The insurance rep went on vacation prior to finishing my claim. While my family and I suffered, and scrambled to find somewhere to live. JP Mortgage has yet to contact me. We have had no financial suport, or help with a place to live, clothing, or food. My husband is very I 'll, and lost all his medications in the fire. He had to cancel a XXXX. Attached are pictures of the burnt house, and the others are what we had to resort to live in. WE LOST EVERYTHING. I feel that nothing was explained to me, and I was misrepresented. For this my family and I have suffered. There are rats where we have to live. No kitchen. Filthy conditions. Now our house is not going to be rebuilt, nor are our personal belonging replaced. Please review pics. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On, XXXX XXXX, 2017 Equifax admit it discovered the breach more than a month prior on XXXX XXXX. For " 41 '' days my Intellectual Property ( IP ) were exposed to, and were unaware of potential identity theft during that time. Equifax gathers private intellectual data also known as sensitive financial data on consumers ' payment history, then sells data to banks, insurance companies, potential employers, landlords, and government agencies in the form of a Consumer Credit Report ( " Credit Report '' ). As a result of Equifax 's data breaches, I have suffered or will suffer damages, including the costs associated with fraudulent purchases, identity theft, theft of funds, fees paid for credit freezes, damage to credit scores, the cost of identity theft protection.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MS).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I sent two postal money orders to bank of America, but the money orders did not show up on my deposit statement. ( 2 ) I sent them a XXXX money order and they sent it back because they told me they are any good to their business. My car was repossessed but the week before they pick up my car I called bank of America to make sure my payments were up to date and I was told everything was fine. I had receipts for the deposits I had sent and showed them to the reposessor and to bank of America but they did not accept them and my car was towed away. I have been having trouble with this particular bank for the last 2 months. Its as if they are targeting my account with employees or the money order got lost in the mail. Three money orders at different dates and times should not have been lost but it is possible. If it was up to me and they are guilty of negligence, I would have bank of America pay the total cost of the car I was paying for and money for damages. I hope I have written in time to keep others from having the same problem.

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 05/29/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Shopping for a loan or lease

Complaint: On XXXX XXXX, 2015 I was in the process of secure financing to buy out my lease ending on XXXX XXXX, 2015 from XXXX XXXX XXXX. I leased my vehicle from XXXX in XXXX and recently relocated to XXXX, with the intention of purchasing the vehicle at the end of the lease. I contacted Wells Fargo Financial Services The Wells Fargo Inbound Sales Specialist, XXXX XXXX, informed me that if I went through Wells Fargo for financing, not only would they help get me a competitive interest rate, they would also take care of the title, registration, license plates, and tax payment. On XXXX XXXX, 2015 I made an appointment with the Wells Fargo Inbound Sales Specialist to finalize this loan at a local Wells Fargo branch in XXXX, XXXX where I would be speaking with a local Private Banker, XXXX XXXX. During the contract review process, I was informed that I would be financing {$15000.00} for the payoff as well as sending separate checks to Wells Fargo in XXXX, XXXX who would be taking care of the tile, registration, license plates, and tax payment directly with the State of XXXX and XXXX XXXX XXXX. The Private Banker as well as the Inbound Sales Specialist, XXXX XXXX, informed me that I would be receiving the registration, title, and license plates by mail and that I could expect these between 7 - 14 business days. On XXXX XXXX, 2015 I still have n't received the registration, title, and license plates so I contacted the Wells Fargo office in XXXX, XXXX to learn that there was an internal issue with the paperwork and that they were sending my checks back to me, where I would need to take care of all the paperwork on my own. On XXXX XXXX, 2015 I received a phone call from the Inbound Sales Supervisor, XXXX XXXX, accepting responsibility for the issue and apologizing, but that nothing can be done and that I would need to take care of all on my own. This situation has me believe that I was sold a service that was not part of the original agreement secure financing and interest by misleading me. I do have email correspondence between all parties listed above and myself, indicating that the paperwork would be taken care of by Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NV).
Issue: Managing, opening, or closing account

Complaint: Hello, there 's a huge issue with rushcard. Since XXXX Monday most customers including myself have n't been able to access their money. direct deposit are not posting, accounts are locked or blocked, accounts are deactivated ( including mine ). Ca n't withdrawal, transfer or make purchases. Rushcard had a maintenance update lasting until XXXX pst ( yesterday ) .The customer service phone number is providing inaccurate balances, saying the account # is wrong and now my account is deactivated When you select the prompt to speak with an agent the phone rings twice and hangs up. There is no alert or update when you call. payments are bouncing left and right for everyone. I ca n't take my daughter to daycare because all my money is tied up in the Rushcard. I ca n't go 2 work either. I 'm low on gas and food. There is no news or updates about this issue no ETA. We 're all being left in the dark. My direct deposit is suppose to hit tomorrow but from XXXX other customers, it sounds like that may not post. I do n't have the luxury to have extra money in hand. My fiance and i are living paycheck to paycheck and rushcard is making it very hard right now. Rushcard is n't going to help me if I lose my job for missing to many days of work..

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I went to the FTC to inquire instructions for instructing each of the big three to establish credit freezes for my wife and myself following the XXXX breach. I called each of the three numbers given on the FTC web page instructions : XXXX XXXX Through voice instructions was able to enter and confirm by SS # and ZIP code and then was told they could n't freeze my account. 
XXXX : XXXX requested a security free and through voice instructions was able to confirm SS #, DOB, Zip and first 3 numbers of my home address - they informed me they could not place a freeze on my credit file - I had to submit a written request. 
Transunion : XXXX requested a security freeze, supplied SS #, DOB, Zip Code then was sent to a buzy tone and disconnected.

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 (FHA mortgage) with Supreme Lending (NJ).
Issue: Incorrect information on your report

Complaint: On X/XX/17 XXXX XXXX of supreme lending in XXXX, some how obtain my SS # # illegally and ran my credit report without me having any knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX I lost my job. We continued to make our house payment until our savings ran out, while I desperately searched for a job. We went to our lender for help but could not get any. When a trustee sale was posted for XX/XX/XXXX we hired the XXXX XXXX XXXX to assist us in trying to get a loan modification. Both my husband and I are now working full time and we have very good income. The XXXX XXXX XXXX submitted the loan modification package on XX/XX/XXXX and the sale was postponed and placed on hold. On XX/XX/XXXX Ocwen denied our loan modification request stating that we did not make enough money to qualify. Ocwen calculated our income incorrectly at {$11000.00} a month. Our actual income is {$13000.00} a month. The denial letter also stated that the owner of our loan, XXXX XXXX, would not do any principal reductions. The XXXX XXXX XXXX appealed the denial in a letter that was sent to Ocwen on XX/XX/XXXX. In the appeal letter they disputed the income and also attached a copy of a loan modification they had received for another client with the same owner, XXXX XXXX, that offered a principal reduction. On XX/XX/XXXX Ocwen denied the appeal and stuck by their original reason for denial. The letter also stated that the only way that they could do the modification is if we could qualify for a payment of {$8200.00}. There were no other details such as rate, term or principal balance. There is no way we can make this payment. Our interest rate is very high at 6 %. Our principal balance is now at {$1000000.00} because of past due payments but the house is only worth {$850000.00}. We do not want to lose our home! Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Chase private student loan went into default because Chase transferred servicing to third party company and I did not realize. Letters were sent to old address, Auto-pay did not transfer over and I did n't notice until my credit score took a large hit ( XXXX to XXXX ) from the default. Servicing company XXXX took over the loan, which I confused with XXXX ( another Chase servicing company ) with whom I already have federal loans. Everything was current with XXXX, I thought nothing of it. Chase can not /will not reverse default.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I received a letter from National Credit Systems , Inc indicating that I owed them {$9100.00} and that the original creditor was XXXX XXXX XXXX XXXX. Therefore on XX/XX/XXXX I mailed a validation letter requesting information regarding the account. I lived at the XXXX XXXX XXXX and when my lease expired I moved. I left the apartment clean also. The owner is taking advantage of me and my family. I believe that they are taking advantage of me because of my limited English and country of origin. I am requesting that they provide proof of the debt that they claim I owe them. This account is impacting my ability to find a safe place for my family and impacting my credit report.

Company response to consumer: Closed with explanation