milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-12-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan modification,collection,foreclosure

Complaint: About eight months ago, I filed an XXXX for a loan modification with Nation Star Mortgage. I have acted in good faith, sending every document that was asked for - then, submitting them again and again and again. 

The breaking point was a letter I received approximately 10 days after a conversation I had with one XXXX. She informed me that I needed to re-submit the XXXX with current dates and signatures of myself and my spouse, along with a " detailed letter '' explaining that she has not worked outside the home in several years. 

I asked XXXX if this will indeed fulfill the requirements.Checking with her supervisor, she relayed the message that it would be. 

The last time I was able to reach a human being ( which is no longer possible with this company ), I asked if the modification was going ahead. The person a spoke with checked, and informed me that it was. 

Today, I received ANOTHER letter informing me that the modification COULD NOT be completed because the STILL NEEDED DOCUMENTS THAT I HAD BEEN TOLD WERE NOT NECCESSARY AND DID NOT APPLY TO ME. 

All the time, I have told these people that I am self-employed by a number of clients, and have provided tax returns ( two years ) as well as the most recent P & L statement. I have done this TWICE. They NOW say they need " 30 consecutive days of pay stubs '' which I DO NOT GET AS A XXXX XXXX. THEY KNOW THIS. 

I was also informed that I must submit an " AWARD LETTER of BENEFITS STATEMENT. '' For WHAT? I get NO SUCH BENEFITS. AGAIN, THEY KNOW THIS. 

Now, I am completely unable to reach a LIVE HUMAN BEING at ANY TIME. I was given the name of a " Dedicated Loan Specialist '' named " XXXX XXXX, '' along with a contact phone number and an extension. This phone, like EVERY OTHER NUMBER the company has, goes to the SAME PLACE - the SAME ENDLESS MENUES with LIMITED CHOICES and NO WAY IN XXXX TO REACH AN ACTUAL HUMAN BEING. 

I have reason to believe this " XXXX XXXX '' does NOT EXIST, which to my understanding, constitutes FRAUD. 

This company has been LYING TO ME, JERKING ME AROUND and causing a WHOLE LOT OF UNNECESSARY STRESS in my life.

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 11/13/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: I had a loan with XXXX XXXX XXXX XXXX and Ditech bought my loan. My monthly loan payment with XXXX was {$4200.00}. My first payment with Ditech was on XX/XX/XXXX. I paid Ditech {$4200.00}. I called Ditech to inquire about PMI and Ditech told me my loan amount would go down to {$3600.00} starting XX/XX/XXXX. They told me they sent me a check for {$8300.00}. I called and asked them about {$8300.00} and they told me they made a mistake and reinvested {$8300.00} back into my mortgage. My monthly payment remained at {$3600.00} until XX/XX/XXXX. My mortgage went up to {$4500.00} per month. I called and asked them why it went up to nearly {$1000.00} a month and they told me my taxes went up. My taxes never went up. I will send you my tax bills for this residence. I do n't know how may payment can go from {$4200.00} to {$3600.00} to {$4500.00}. How can a mortgage company ask me for {$1000.00} a month more? They will not budge on this. I now have to come up with {$1000.00} a month more.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CT).
Issue: Taking out the loan or lease

Complaint: I made 33 payments totaling {$19000.00} the car costs {$26000.00}. However, my balance is {$21000.00} meaning of {$19000.00} the principal applied was only {$4700.00}. Somewhere around {$3500.00} should be my interest for the 33 payments before the insurance applied the payment I should have been at {$17000.00} and some change considering that I paid for youse guys say that about XXXX and some change was applied to my principal.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Mortgage (VA mortgage) with CITIBANK, N.A. (AL).
Issue: Loan modification,collection,foreclosure

Complaint: I called about my VA loan to Citimorgage trying to get ahold of XXXX XXXX who was assigned to my loan. When I asked to be connected to his extention XXXX. The personnel answering phones asked my SSN and Loan number. I said I was trying to get this extention and did n't see a reason for her ( XXXX ) to have this info. She said FCC requires her to get info. She could n't help unless I gave her info. I did then she asked me my intention on my morgage. I said she did n't need to know that either. So I asked to talk to supervisor -- he said the same. I asked to schedule a phone call back from XXXX. It took 45 Min. I kept being asked to give my SSN number and loan. number and other personal info. The reason I am told is it is to protect my account from Fishing -- -how is that? I give me personal info to several people who have no reason for it and it is to protect me? When I complained -- I was told it was required by FCC rules. That is stupid. Everytime I call Citi and I complain -- they hang up, put me on hold, ignore my requests. It took me 45 Min to get a call back scheduled. When I finally talked to XXXX XXXX and complained -- he hung up on me. I sent him 3 emails requesting paperwork on how to send deed back to morgage co. Since they are not cooperating with my Short Sale request. XXXX has ignored my requestes for the paperwork. The VA said I can do a short sale for VA loan or give deed back in lieu of forclosure. But Citibank wont give me paperwork.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Inaccurate Report to credit Bureaus.

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 10/24/2015 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I have a XXXX old baby and are calling at outside hours after XXXX and contacting family members at XXXX. bill was paid!! This is inexcusable!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX, confirmation number XXXX, is reporting outdated, inaccurate and credit slander information on my report. There are double accounts, address ad current is almost 8 years old, and fraudulent I 'D theft accounts disputed with Equifax directly shown as current. They are Willfully Negligent in reporting and maintaining accurate information. I plan to also contact the California Utilities Commission to file a complaint and the .CA Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Managing, opening, or closing account

Complaint: The issue relates to a BlueBird by American Express prepaid debit card ending in XXXX. On XXXX XXXX, 2016, I returned some clothing items to a XXXX XXXX store in XXXX, VA in the amount of {$520.00} ( return receipts attached ). 
The original purchase was originally made on a different American Express card, and the BlueBird by American Express card at issue was mistakenly presented to the merchant for the return. The merchant processed the return to the BlueBird by American Express card/account in accordance with its own policies. 

The credit balance showed up on my BlueBird by American Express account within a day or XXXX. On XXXX XXXX, 2016, American Express informed me by email ( attached ) that it closed my account because it could not find corresponding debits to the {$520.00} in credits. The email from American Express further states that {$520.00} " has been returned to the merchant. '' Almost 4 months later, despite over a dozen calls by me to American Express, the funds remain in my closed BlueBird account as of today ( XXXX XXXX, 2016 ) and have not been returned to the merchant. American Express readily admits this each time I call in : its representatives have stated each time that I have called that the funds remain in the account, that the account is closed, that the funds can not be returned to me, and that the funds will be returned to the merchant, without providing a timeline. Attempts to engage with American Express regarding the reasons for closing the account and/or remedying the situation have been unsuccessful. 

After almost 4 months, the merchant has not received the funds. Based on my discussions with the merchant, the merchant is not interested in retrieving the funds from American Express because the original items were paid for in full and subsequently returned in accordance with the merchant 's policies. American Express has been holding these funds for almost 4 months. I am requesting that a check in the amount of {$520.00} ( the account balance ) be sent to me immediately and the BlueBird account formally closed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Incorrect information on your report

Complaint: I received a letter from Wells Fargo indicating that they failed to update my credit report following a 2014 Loan Modification. Im concerned that I may have suffered paying higher interest rates for purchases ie. two cars since then based on this information. Have you seen this happening to other WF customers?

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 02-02-2016 about Money transfers (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (CA).
Issue: Fraud or scam

Complaint: My XXXX husband my a Chase XXXX transfer from his Chase account to my Chase account for {$550.00}, on XXXX/XXXX/2015. On XXXX/XXXX/2015 I did not see the money in my Chase account. When I inquired to Chase, they said it was accepted into a XXXX XXXX account ending in XXXX, via XXXX. I checked my personal XXXX XXXX account, it did not end in XXXX and the money was not there. I called XXXX, they said they only act as a clearing house for money transfers and that it 's a Chase issue. Chase says it 's a XXXX XXXX issue and XXXX XXXX does not find the money anywhere and says it 's a Chase issue. NO ONE IS HELPING ME!! I have a " transaction number '' yet it seems to be worthless. WHO CAN I GO TO FOR HELP TO RETURN OUR {$550.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Bank account or service (Checking account) with BB&T CORPORATION (SC).
Issue: Account opening, closing, or management

Complaint: I filed a complaint years ago and it was resolved, BBT Bank closed the account and did not send me the money .Bank account was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The money was never recovered nor did the bank did me a refund.

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 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was looking for information about rates for refinancing my new car to a lower rate, on XXXX XXXX. There is no written explanation of who they are giving information to to allow them to start hard inquiries on their own. I received two unsolicited hard inquiries from different companies, which has hurt my credit. One was a used car dealership, Wells Fargo. I was NOT looking for a loan for a car. I was looking to refinance. XXXX XXXX told me to call Wells Fargo Dealership services to have this removed. Wells Fargo told me to call XXXX XXXX  to have it removed. No help from either. I feel that this is unfair and unsolicited. What is the law, in that I could have, say, 20 hard inquiries to look for a refinance? Where does this end? I had to lock my credit report so that there would be no more hard inquiries. All I am asking is that they excuse a hard inquirry from my report. They will not help and were rude about it, and taking no responsibility for this at all.

XXXX XXXX will send your information to many different companies ( reputable or not ) and you will see multiple hard inquiries when you didn't even ask for a loan. Just was seeing what is out there in regards to refinancing.

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 10/14/2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (PA).
Issue: Problems when you are unable to pay

Complaint: I opened a PayPal credit account last year because I need money quickly and this was the only account that I was able to open at the time. I recently have not able to make my minimum and tried to make an arrangement or close my account or have it sent to collections to protect myself from getting too far in debt, I currently owe XXXX I would rather that go into collection Then be in debt for XXXX dollars and there customer service representative basically told me that they will continue to charge late fees and interest until they see fit to send me to collections. This is taking advantage of me and putting much farther in debt than is necessary and damming my credit much more than necessary and there is no way for me to close the account. The customer service representative from their debt department told me that there was nothing they could do on their end and no alternative options. I 'm at my end with this I have never had this problem from any of my other creditors and I do n't know what to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/29/2017 about Debt collection (Medical debt) with Credit Solutions, LLC (KY) (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I viewed my credit report and saw a debt collector on it by the name of Credit Solutions account number XXXX. I disputed as I was bewildered because not only did I not know the creditor, I did not have any derogatory creditors on my credit reports so this as extremely upsetting. I contacted Credit Solutions and they told me I needed to contact XXXX XXXX XXXX XXXX which was also listed as the original Creditor. However, I contacted them because they ( Credit Solution ) had it listed on my credit report. Well, before hanging up Credit Solution stated that I owed {$1200.00} to XXXX XXXX XXXX. I stated to them, this was almost a year ago XXXX XXXX XXXX nor Credit Solutions contacted me, I saw this derogatory reporting on my credit report and that is n't fair and this was paid by my insurance as I am XXXX and have XXXX insurance which I provided XXXX XXXX with my insurance card when I went to the emergency room. I then contacted XXXX XXXX in which I spoke to 3 different individuals stating that they billed XXXX instead of billing the correct insurance XXXX insurance. I was told that they would submit the claim and within a few weeks the claim should be paid and they will have Credit Solutions to remove from my credit report. I have called XXXX on several occasions and for some reason each rep is still saying that they did not submit to XXXX so they could be paid. This is not right for this organization to be neglectful and put on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX has misreported my credit payments. The payments were received and cashed on a timely basis, but XXXX misapplied payments. I have submitted to Equifax copies of my cancelled checks which they have ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I checked my credit score and found 5 hard inquiries (from XX/XX/XXXX to XX/XX/XXXX) from Credco (below) on my Credit Report.  I never authorized this company to check my credit.  I refinanced my two houses with XXXX which could account for the 1 hard inquiry on XX/XX/XXXX with XXXX. Inquiry detailsCredcoInquiry from XX/XX/XXXXXXXX CredcoInquiry from XX/XX/XXXXMisc.CredcoInquiry from XX/XX/XXXXMisc.Institution InformationCredcoXXXX XXXX, CAXXXX(XXXX) XXXX-XXXXCredcoInquiry from XX/XX/XXXXMisc.XXXXInquiry from XX/XX/XXXXReal Estate/Public Accommodations

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was compromised in the recently disclosed data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Settlement process and costs

Complaint: I have a illegal mortgage assignment, my notes was cancelled at the XXXX XXXX XXXX XXXX Bankruptcy Estate. The people who are on this assignment have committed fraud. XXXX XXXX was in bankruptcy and still is. I have XXXX illegal foreclosure judgments on me from bank of america. After a unlawful and illegal Judgment to Bank of America, they claimed to transfer the mortgage I do n't have to XXXX XXXX in XXXX 2013. I have filed a ID Theft claim and Affidavit with the FTC and my evidence along with my police report for mortgage Id Theft/fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Sometime around XX/XX/XXXX, I submitted an application for an Income Driven Repayment plan. On XX/XX/XXXX, I received email correspondence from Navient stating that my monthly payment was reduced to {$36.00}. On XX/XX/XXXX, I logged in to the Navient website to make this new lower payment but the website said that I owed {$310.00}. I called the customer service number and spoke with a representative. She looked at the letter I was sent and she let me know that the {$36.00} was only for 2 of my loans and that my monthly payment is truly over {$300.00} and that I should be receiving another letter about the repayment amount for my other loans. It has been nearly a month and Navient has not and probably would not have sent any other correspondence had I not called in to find out what is going. The representative I spoke with is sending it to me. Their repayment letters are extremely misleading and this needs to be corrected immediately. I have no problem paying my loans back, but I need true information when it comes to making my budget. Now i have to spend nearly {$300.00} more than what I budgeted for so that I do n't have a late payment on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Mortgage (FHA mortgage) with Stein, Wiener & Roth, LLP (NY).
Issue: Settlement process and costs

Complaint: THIS OFFICE REPRESENTED XXXX XXXX AGAINST ME AND MY HOME

Company response to consumer: Closed
Consumer complaint received 12/20/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: We received 1 notice in the mail alerting of the debt owed. I went online and made a payment that I could afford at the time. The original debt was {$3000.00} via a credit card with capital one. I made a payment of {$150.00}. 
About 2 weeks later before XXXX there was someone banging on my door. When I got to the door I saw an officer in full uniform, and panicked thinking something awful had happened. But, he was there to serve us papers stating what we owed and it did not reflect the payment I had previously made on their website. 
When we called to talk to them about the debt and offered to make payments they would not agree to not take further court action. They said that they were n't sure if the group of lawyers would agree, but that they normally do if we promise to payoff the debt in full with in three months. They said we would have to make {$200.00} payments each month until we pay the full amount within the three months. 
I found this completely disturbing since I had already initiated payment after the first letter. I felt they were trying to intimidate to demand payment faster. As a mother of XXXX small children who were home with me I truly felt harrassed and threatened in my own home. I want to settle this and find the best solution to a horrible situation. I have also realized making any payment without a written offer is foolish and I have no written agreement from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had a discrepancy on my report 2 times by XXXX. I stated it was n't mine and it was removed both times. Now it has shown up for a third time on XX/XX/18 for around {$1300.00}. This is not my debt but it keeps showing up after it 's been challenged and removed two times and has shown up for a third. This has damaged my credit severely and I want it to stop.

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