milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Customer service / Customer relations

Complaint: I had an account with bank of america. Unfortunately my spouse has left me and I am not employed. I am currently on public assistance ( food stamps ). I spoke with a rep awhile ago at bank of america to see if I can claim a hardship. I was told I would be sent paperwork to fill out to prove my financial hardship. I never received any paperwork. I also had requested that they stop reporting 1 's and L 's on my credit reports as this is hurting my credit very negatively. This account has been charged off to a bad debt unfortunately. I have tried soon after the abandoment to do in good faith pay my card but under the circumstances I was not able to do so. I recently spoke with a bank of america rep who had called me and they were asking to me settle on 1/2 the debt. I 'm lucky if I have {$5.00} to my name. I had agreed to pay {$30.00} for 3 months in hopes that my sibling would help me and give me the money. Unfortunately he is unable to do so he ca n't supply me with anymore funds. I am in a very hard place right now and I have tried everything in good faith to not have this happen. I am requesting that bank of america please keep to what I was told and stop reporting the L 's and 1 's on my credit reports each month. I am submitting this complaint about bank of america because they promised me being the account was written off to a bad debt that the reporting each month to the credit berous would stop. To this day they are still reporting.

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 11-03-2015 about Debt collection (Credit card) with CITIBANK, N.A. (WA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: I received a summons for a lawsuit after I disputed the debt. I had my attorney send a letter stating that I did not owe the debt and why and they responding directly to me, not my attorney. They proceeded in filing a lawsuit directly against me instead of my attorney. They also refused to provide a physical address so they could be served.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Mortgage (Conventional fixed mortgage) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a complaint on XX/XX/XXXX case number ( XXXX ) in which Banco Popular answered to XXXX CFPB saying that they tried to reach me on several ocasions which is a lie. I called like they instructed me before XX/XX/XXXX in which XXXX XXXX XXXX who is encharge of my loss mitigation process told me to wait for his call that we were going to be signing the documents at the begining of XXXX. Banco Popular has never contacted me. I was contacted by XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX to be exact in concern with the loan modification papers because she is the loan officer from XXXX and havent received the loan modification papers. Now the Court wants to remove me and my family from my house. I want CFPB to not accept any explanation from Banco Popular. Get from Banco Popular The name of the Manger of the bank and tell CFPB a date when I am suppose to be at the Banco Popular. For me to get a contact number in CFPB for that same date for me to call. Banco Popular hasnt allow me to keep on making my monthly payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: Hello, we have been in a fighting battle with our bank/ servicer Nationstar Mortgage ( who now changed their name to XXXX XXXX ) for a very long time I mean very long time. We have been trying for a loan mod. couple years now and recently its getting worse and worse and the bank keep pressuring and not providing the loan mod. that is being applied for. So our servicer now is XXXX XXXX and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we mailed in a signed copy of the request for mortgage assistance and all required documentation to be reviewed for a loan modification. XXXX XXXX has all documents mailed which they received and are in review. 
If XXXX XXXX proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act XXXX XXXX has still placed my home on a foreclosure sale set for XXXX-2017 and has not CANCELLED the foreclosure sales until the review and loan modification and the process has been approved and agreed upon. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Barclays through XXXX XXXX was paid off infill on XX/XX/XXXX with multiple verifications, that being Barclays phone support, XXXX online statements which it was paid with, and XXXX XXXX XXXX XXXX via phone and email and PDF. Credit bureau still reports that my account has a XXXX  dollar balance as of XX/XX/XXXX which would be 6 months after fulfillment of payment and cancellation of account. They refuse to give me a PDF copy of my last statement showing my XXXX balance, refuse to give me a confirmation of my XXXX balance to show my bank, and are even arguing with their collection agency ; XXXX, on giving them a statement with my account ID and account number being shown in the statement.

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 04/18/2017 about Credit card () with CITIBANK, N.A. (IN).
Issue: Closing/Cancelling account

Complaint: I have been a customer o f Citi Bank Credit Cards  since  XXXX . I tried to use a credit card on  X/XX/XXXX  and found that charge did not go through. So, I called the number on a back of the card. The representative said that the card was closed on  X/XX/XXXX . On  X/XX/XXXX , I received letters on all of  my Citi Credit Cards saying that at Citi 's d ecision all of my cards were closed. I called t he Citi Executive Office  at  XXXX . Th e executive rep told me that I have to write a letter to Citi  Bank in order for me to get answers to why my accounts were closed. Since  XXXX , I have never missed payments, never used the cards for illegal activities, etc. So, I am writing to you now to inquire what happened.

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 10-01-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CO).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was contacted by Chase XXXX XXXX on XXXX XXXX, XXXX with an offer for a HARP refinancing with no closing costs, no appraisal, easy process. I met all the criteria listed in their email. I was told that I had a superb credit rating. As the process went forward I was assured by the Chase representatives that my refinancing loan was approved, and we were just looking for a date I could sign the papers. Everything was in place. Then I kept being asked for more information, and more information. I was told my loan was not being approved because I have a residence in XXXX. They had always known this information and knew it at the time I was told the loan was approved. I told them that I pay state taxes in Colorado, have an address there, and vote in Colorado. Yet, six weeks later, I was still told that a senior underwriter was turning down the loan.I have included the original email. I met and continue to meet all the criteria listed in that email. It looks like they created a way to turn down the loan that was outside their stated criteria. 

I had exactly the same experience with Chase in XXXX. At that time Chase again told me that my loan was fully approved, and did n't require any documentation. The Chase mortgage representative kept being puzzled when I was asked for more information, then more information, then more information. He said that nowhere in this loan was I supposed to even be asked for that additional information. Again, the loan was turned down. 

At the very least, Chase XXXX XXXX can not be trusted to follow through on their commitments. I wasted a great deal of time and effort providing all that I was asked to provide, signing all of the forms, etc. I was told the loan was fully approved, but Chase did not honor that commitment. 

There is an additional piece of information that I would prefer NOT be included on consumerfinance.gov. Several years ago I surfaced unethical behavior on the part of a senior Chase loan officer. It 's reasonable to wonder if being asked for additional information, and finally having two loans turned down after I was assured and promised that they were approved, may be in some way be payback.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NV).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On or about XX/XX/XXXX I went online and agreed to a free offer but had to pay {$1.00} for handling charges. When I gained access to the site, I discovered that it was not what it was suppose to be. I called the number and cancelled the membership. I was billed twice in the amount of {$99.00} after canceling. I disputed the charges with my bank Wells Fargo, after they accepted the claim # XXXX a temporary credit was issued, then on or about XX/XX/XXXX they recharged my account for the credits and said the claim was denied because I authorized the purchase. XXXX XXXX was the claims assistance center person who denied the claim. I called the 800 number to dispute this finding and could not get XXXX XXXX, but the other person I spoke to was rude and said there was nothing I could do I made the charge. I did not authorize these {$99.00} charges, the company I tried to contact directly and was told that I agreed to these future charges I said I cancelled and they said yes but you agreed to pay these fees for other sites as a part of your membership. I did not agree to any other sites, and I am not interested in the content of these sites I told them and they said nothing we can do for you. I was charged twice the {$99.00} and only one credit was issued by Wells Fargo and then recharged only one {$99.00}. Wells refuses to accept any other disputes on this issue and I was cheated out of {$190.00} by this company with a hidden agreement to accept membership in other sites, there refusal to assist in canceling, and Wells Fargo has a Zero liability policy on all their debit cards, but will not honor these disputes and have sided with the fraud company on my agreement to have these amounts charged to my card.

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 03/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with NORTHLAND GROUP INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the settlement amount and they promised to delete it but it still remains on my credit reports as opened

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My credit report is displaying a late payment record for a credit card account. XXXX claims that no late report was issued to the credit agencies. ( See chat transcript ) I  want the negative information removed, as the payment was not late per 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 02-05-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: Reference Case ID XXXX Ive contacted Navient regarding my student loan. And the extreme interest being paid Ian on an interest only payment plan which should have ended sometime ago. I paid on time, every 2 weeks and paid more than the requested amount however my yearly interest paid continues to go up and the loan balance hardly budged. Im concerned Ian being scammed somehow as they can not is cola in this. XXXX was the end of the interest only however it was the most I had paid towards interest almost XXXX more. I have asked for a very detailed statement for the past several years, asking to explain the payment breakdowns, balances, interest etc. I believe they are not being honest with this loan and request it be resolved. I have paid XXXX in interest alone since XXXX ... and my loan balance hasnt moved but slightly ... something isnt right. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My lender, New Penn Financial LLC / Shellpoint placed forced insurance coverage on my property improperly. I have maintained insurance coverage for my condo ( XXXX and exterior building policies ) for the duration of my ownership beginning in XXXX XXXX. 

The lender placed coverage on XXXX XXXX, XXXX for a period dating back to XX/XX/XXXX. I did not receive any formal notice of them placing coverage. Upon discovering the amount on my monthly statement of {$1100.00} as an escrow balance, I contacted them and provided sufficient information of coverage, which led to a partial refund. Over the past year I have tried several attempts to get them to refund the full amount for the coverage period they specified. I have been given various email addresses and fax numbers by various customer service representatives, and none of that has resulted in the full refund being issued. Again, I have sufficient coverage for the time period they reference and have submitted it to them several times to no avail. 

To summarize, they force placed coverage when I had existing coverage for a backdated period, did not request any proof of insurance from me prior to doing so, and did not provide any notice in writing that coverage would be placed. They have thus far refused to issue the rest of my refund. My latest attempt to resolve this issue was by phone on XXXX XXXX, XXXX in which a customer service representative assured me that she had spoken to an " insurance department member '' and they assured me that it would be refunded. When I asked for a specific name and title of the " insurance member '', for future reference which she refused to provide. The representative would only state that any member of the insurance department could help me in the future, and that it would in fact be refunded. 

I am strongly considering legal action at this point, and would very much like your assistance in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Credit card () with SYNCHRONY FINANCIAL (MN).
Issue: Other

Complaint: I had a Toys R Us issued credit card that went delinquent. It was sent to a collection agency, they are reporting it to my Credit Report. My account was sent to a different collection agency and they are also reporting it on my Credit Report, so XXXX collection agencies are reporting the same on my Credit report damaging my credit further.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit reporting () with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Someone opened a credit card with Bank Of America in my name and put a fake name on the account as well. 
They put all of my information as the primary card holder and had the card ( s ) sent to my address. Bank of America has no other phone number or address on file. There were no charges on the card. I closed the account. 
I want the credit bureaus to remove the hit on my credit for opening a card that I did n't actually open and then closing it. It needs to be removed from my credit rating all together. 
I spoke with the Police department and they indicated to notify the credit bureau and the social security administration. There is no need for a police report because there are no charges to the account. 
I can not get in touch with any department of the credit bureau to notify them.

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 01/27/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Ive informed the collection company multiple times that this debt is not mine. Ive fought it and have not been provided any paperwork that would validate this debt. Ive never had a XXXX account. On my report it also shows a balance for creditor and collector which I believe is a violation!!! 

The company is Diversified consultants!! 1

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (IL).
Issue: Shopping for a loan or lease

Complaint: Ford Motor Credit has denied financing that I qualify for. Over 10 years ago I filed a bankruptcy and was under order of the court to surrender a car. They sold the car to recover some of the loss. They continue to " hold it against me '' even though I clearly qualify. I was told that because of that I will never be able to get financing through them.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Debt collection (Mortgage) with JAMES B. NUTTER & COMPANY (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am the authorized representative for XXXX XXXX. XXXX XXXX is the consumer who they say owes the alleged debt. 
XXXX XXXX, XXXX first communication was an introduction of who she was, her appointment, threat that she would be taking my mother 's property to sell, threat that if I do not agree with holding open house she would seek permission from a court to sell my property, threaten if I do not agree with her demands the house would be sold at a lesser price because of my non compliance and last she urged me to call her if I did n't want those things to happen. 
On or about XX/XX/XXXXI did call her to ask her what she was doing, she said another debt collector had all the right to foreclose on the property. I told her I did not agree with her open house. She threaten me again and said I will get a court order to sell your house without open house. I told her she had no right. 
XX/XX/XXXXI sent dispute letter, irs, and copy of rescission no response. 
Second communication from debt collector, court order allowing sell of property without open house. 

XXXX XXXX, XXXX sent cease and desist letter. 
XXXX XXXX, XXXX Third communication from debt collector, commissioner 's fact sheet. 
XXXX XXXX, XXXX and XXXX XXXX XXXX. Foreclosure notices with private information advertised in the media.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Problem when making payments

Complaint: I have a Line of Credit with Navy Federal Credit Union. Recently Navy Federal turned my account over to a Law Firm/ collection agency for none payment. I have several receipts showing consistently on Time payments. I contacted Navy Federal several times and they stated my account are still with them. I 'm receiving mail and phone calls from a law firm trying to collect money on the behalf of Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with LEXISNEXIS (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: To Whom It  May Co ncern : I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing a Bankruptcy in I do not have  a Tax Lien or B ankruptcy.      ( UNITED STATES BANKRUPTCY COURT DISTRICT MINNESOTA ) does  not report  ( type of file - Tax Lien or Bankruptcy ) to credit bureaus.    Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens.     A Bankruptcy filing is public information. Again , ( UNITED STATES BANKRUPTCY COURT DISTRICT MINNESOTA ) does not report anything to the various credit bureaus, nor do they verify that the   information reported is accurate.  ( CB Nam  e-   XXXX   ,   XXXX   ,  XXXX  ) has found  information on ( type of file - Tax Lien or Bankruptcy ) through  third party resear ch.     Please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.     Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section   623 ( a ) ( 3 ), and I am keeping careful record of your actions.
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Navient Solutions, LLC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: no fraud on my report. not on public assistance.information reported over and over.can not recall dates, actions, amounts, because of false information.

Company response to consumer: Closed with explanation