milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a form for a XXXX, a mortgage assistance program, to my mortgage servicer, Bayview XXXX XXXX XXXX. At this time, my mortgage is at XXXX XXXX % and the monthly payment represents more than 65 % of my gross monthly income. I started the process XX/XX/2016 and now after XXXX representatives and sending all the documents needed. It is clear to me that they have not presented my documents to the government program, XXXX. It is clear to me that Bayview XXXX XXXX is catering to the investor who is holding my mortgage, XXXX. With interest rates so low, why would they release my mortgage to be amended under the XXXX program. They did n't submit my application and denied my request to submit it. I tried to refinance but my income is too low so I was denied. I have been paying for 11 years and am current but it is very difficult for me at this time to continue paying such a large portion of my income to stay in my house. The government should be going after the loan servicing companies because they are abusing people like me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Account opening, closing, or management

Complaint: I opened an saving account with Capital 360 online. In the bank 's advisement, it says there will be {$100.00} bonus if I deposit new money {$10000.00} for 3 Months. I deposited {$10000.00} on XXXX XXXX 2015, but did n't see the bonus right now. I would like band give me the {$100.00} bonus with promised in advertisement. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Mortgage (Conventional fixed mortgage) with CROSSCOUNTRY MORTGAGE INC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: We purchased a home and closed in XXXX 2016. Our lender had an appraisal done on XXXX/XXXX/16. Our lender was Crosscountry Mortgage Inc. We knew going in that we could only put down XXXX % but as soon as we sold our other home we would put down another XXXX % to remove PMI. We were ready to do that within 1 month of our purchase ; however, Crosscountry sold our mortgage to XXXX and their " guidelines '' state that they " may '' request another appraisal. Since we just had an appraisal we thought common sense would indicate that our original appraisal would be sufficient and that was our understanding going into the process. Now our servicer ( Crosscountry ) is stating that XXXX wants another appraisal and there is nothing that they can do. I call XXXX and they blame it on Crosscountry. We are stuck in the middle. Crosscountry says it 's out of their hands. XXXX says if anything can happen Crosscountry would have to escalate it. We are left with no one to help us. This is despicable. I ca n't believe big banks and large companies can take advantage of consumers like this and then pretend like there 's nothing that they can do. Rather than attempt to help each company just blames it on the other. The last rep I spoke to with XXXX ( XXXX ) just read me their guidelines and kept saying " if it 's in the guidelines ... .if it 's in the guidelines. '' I guess the guidelines mean that common sense is out the window.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (ID).
Issue: Other transaction issues

Complaint: In regards to case XXXX Paypal has locked me out of my account. They tell me to access my account to see their response yet they conveniently locked my out of my account after you sent them my complaint. 
My husband is XXXX XXXX and your autofill put his name instead of mine. He is still allowed to discuss this issue and has my full permission as he knows all the facts and the credit card used was in his name also.. He is a licensed attorney and Paypals excuse to not discuss this further is not a solution. Paypal has my phone number, mailing address and email. Yet they still wo n't communicate and instead send unrepliable emails telling me to log in to my account to discuss this with them yet not allowing me to login to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (OR).
Issue: Deposits and withdrawals

Complaint: Chase bank is handling a wire transfer payment to my account at XXXX. The payment was initiated on XX/XX/XXXX, but I still have not received the funds. The person who initiated the transfer has contacted the bank several times in the interim. Chase claimed they needed my full name, date of birth, nationality and place of birth and had " flagged '' this wire transfer. 

Chase has deducted {$30.00} from the payment for this service, but has so far not transferred the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 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: Public record information inaccurate

Complaint: In XXXX, 2015, I called XXXX XXXX, to pay {$190.00} to my XXXX Store Card ending in XXXX, was told that a payment could not be accepted because a bankruptcy had been filed and this was being reported by the credit bureaus. I explained that I had never filed a bankruptcy and that I was the victim of a fraud. XXXX refused to accept my explanation, refused my payment then, proceeded to report the account as charged off to the credit bureaus with the remark " bankruptcy. '' This action by XXXX XXXX is unfair and unjust and it violates FCRA.

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 06/27/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: An application for loss mitigation was submitted to Bank of America ( " BOA '' ), as the second mortgage, on XXXX XXXX, 2016. 12 CFR 1024.41 ( b ) ( 2 ) ( B ) allowed BOA five business days to acknowledge receipt and determine whether the application was complete. The timing is critical, since the first mortgagee has already issued a discounted payoff letter, the deficiency being forgiven quite substantial, and a closing must take place over the next few weeks in order to comply with the first mortgagee 's approval letter. BOA has ignored us. We have tried telephone calls to numerous offices including the office of XXXX XXXX, the company president, we have tried emails, faxes and tweets. BOA ignores us. BOA evidently employs individuals to respond to inquiries to office of the president, and tweets, solely for the purpose of giving " feel good '' responses to put the matter off until another day without actually doing anything to address the issue. see annexed pp. 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 monetary relief
Consumer complaint received 10/27/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Regardless of how early a payment was mailed, according to Green Tree it was always late. When contacted the represenative would always state that Green Tree could not be held responsible for an untimely payment. After many unfair late peanlties the Green Tree represenative insisted that I allow a payment be deducted directly from my bank accout. I gave my permission for a one time deduction but this same represenative deducted XXXX payments in the same month when only one was due. As a result I incurred over draft fees both from the bank and other vendors who had valid claims againist my bank account. The situation esculated to the point I had to close my bank account. When I called Green Tree no one there would discuss the matter with me and I was never compensated for any of the cost I incurred as a result of the Green Tree represenative 's illegal behaviour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Debt collection (Credit card) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My contract with Conn 's states I have 10 days from the due date before a payment is considered late. When I am 1 day late the company calls me anywhere from XXXX times a day. I have times they would call me every 30 min or every 1.5 hours for a bill that is no more than 2 days late. I have called and asked they stop but they tell me they have the right to collect on any outstanding debts. But it is not a debt. It is a credit card with a 10 day window to pay the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: After years of being harassed and bullied for not being able to pay what they demanded, I was finally enrolled in a 'program ' that halved my payments XX/XX/XXXX. XX/XX/XXXX, I was on workers comp, and still made the effort to pay when they called me relentlessly to make a payment. I found out through XXXX different 'representatives ' that the 'program ' I had been enrolled in had expired and the six previous payments I had made went to my federal loans. I requested the six payments to be payed to the private loans since they were demanding a large sum of money to be paid at once that I did not have. It was the next phone call I received that I was informed the six payments were reduced to three because the program had expired. There was no offer of another program to be enrolled in and so federal loans were sent to a collections agency who is currently garnishing my wages and is n't allowing me to make payments to my private loans. I can not possibly pay both private and federal with what little I make and still pay my bills, etc. I have spent twelve years reasoning with salliemae/XXXX and now I can no longer face another demeaning, round a bout, phone conversation. They do not help those of us trying to make payments, they have only bullied, harassed, and hindered my progress. I am made to feel ashamed by every representative I have spoken with. XXXX I dwell on what enormity this situation has blown into and I can not see a way free or at least through. Despite their efforts, I have finally received my XXXX and am trying desperately to complete what is necessary for my resume/XXXX to get higher paying jobs that I schooled for so I can pay them off for good.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Checking or savings account (Savings account) with DISCOVER BANK (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: have opened Discover Bank online savings account. When I have a problem crediting opening bonus to my account, I contacted the bank and XXXX XXXX XXXX, was assigned to my case. While at the outset he was attempting to help me resolving the problem responding to my XXXX letter, he then suddenly stop communicating with me and I was unable to reach him on the phone. I have left numerous messages, all of which have gone unanswered. Then I sent two letters in XXXX and XXXX which brought no response. I entrusted all my savings to Discover Bank and I should be able to get help when I need one. I discussed my case with an attorney who has explained to me that Bank is contractually obligated to credit {$100.00} to my account. The bank had an offer an offer which provided for {$100.00} bonus when I apply for first online Savings account by XXXX/16 and depositing at least {$15000.00} by XXXX/16. I am only XXXX and I did not have much experience with bank codes in my life. The fact that I did not enter the proper code code is immaterial. The code does not affect the terms and conditions of the unilateral contract that was created when I opened the account and made the required deposit. The bank employee should enter a credit manually if my code was wrong. I otherwise complied with the offer, fulfilled all my obligations to qualify for the bonus, kept and continue to keep all my lifelong savings on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Back around XXXX I received a letter or notice stating my mortgage was past due by about 3 months. I did n't agree so I called and explained the situation. I was given a fax number to fax all supporting documentation over to and I sent it over several times, finally getting a designated representative to help me. XXXX payment was adjusted and corrected to my account, but XXXX was still showing one more month past due then my records showed. Just as the rep was doing the research and helping me get to the bottom of it, my mortgage was sold to Ditech in XXXX of XXXX. Since then, I have called and repeatedly faxed all the documentation and explanation to Ditech but no one calls to help me. They send me letters showing a payment history since XXXX of XXXX, which is when Ditech took over. This issue goes back much farther back into XXXX. I just got a foreclosure notice saying I owe {$7000.00} and that is not correct. They gave me til XXXX/XXXX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Continue to switch debt collection agencies. Each debt company states that they are working for American Express but continue to contract my family members and act like they have no information on me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Couple years ago, I took in credit 2 phone from the store XXXX, New Jersey, XXXX. This phones were from the XXXX and in about 5 days I returned them in a legal amount of 15 days which was the policy for returning and I changed to XXXX. In the next couple months I found out that the XXXX did not complete the transaction. So, I returned back to the store with the receipt which they gave me for returning the XXXX phones and changing to XXXX. They made a copy of the receipt and said that they called XXXX and correct everything and I suppose not to have any problems. But couple days ago I discover I do have a collection on my credit history and this came from XXXX. But after all this years I can not find already the receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CFS placed the same account on my XXXX  bureau twice in the amount of {$1300.00}. XX/XX/XXXX they say it is a account from XXXX. I've never lived or sought medical treatment in XXXX, KY. Also I have 3 accounts for medical bills all from XXXX , KY the 3 accounts total {$500.00}. I've reached out to them with No help. I also have a account with XXXX  XXXX XXXX that does belong to me from XXXX XXXX XXXX XXXX that was paid by my insurance, but creditor refuses to send me copy of the bill. There is one more account for {$220.00}, but it's also a medical bill. None of these medical collections belong to me I've never lived in XXXX, but my ex Wife has since XXXX. These are all fraudulent accounts, not belonging to myself. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX SSN I've reached out and filed disputes on all of these accounts over the past year and have NEVER received a letter, phone call or email from anyone whom represents XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I sent an email to the Annual Credit Report website regarding my attempt to receive my wife 's credit report from TRANSUNION after getting my report. This is the email I sent to them : My wife does n't seem to be on my credit reportfrom Transunion. I tried to get XXXX in her name but it does n't allow it. WHY?? 
She might have credit issues not listed on my report that we would like to beaware of. 
The thing is I have been unemployed since 1992 due to XXXX caused by work injuries and my wife has been the bread earner since then. So why the heck ca n't we receive a credit report in her name? The whole thing is a pile of stupid running the show.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Other service issues

Complaint: Hi, I noticed that Paypal is engaging in a deceptive practice and I wanted to bring it to your attention. If you make a payment on a retailers website, for example -- I purchased a television on XXXX, the money is withdrawn from whatever credit card or debit card you have connected to your Paypal account. 

However, if and when the merchant refunds you, for example, you return a television to XXXX paypal does NOT refund you, it keeps the money within its own system and says that you have a " positive '' paypal balance. Why are they holding on to my money? Paypal is not a consumer bank! I have no idea how to get Paypal to give me my money back, they should not be holding on to it. It 's deceptive and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Medical debt) with Financial Corporation of America (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/XXXX- ID XXXX {$60.00} Debt was paid to XXXX by my primary and secondary insurances. XXXX XXXX XXXX XXXX of Illinois and XXXX of Illinois.
XX/XX/XXXX- ID XXXX {$60.00}. XXXX did not bill XXXX of Illinois XX/XX/XXXX-ID XXXX  {$62.00} XXXX did not bill XXXX of Illinois.
<P/>
On XX/XX/XXXXI called XXXX and spoke with XXXX, case number XXXX, and she said all the payments were finalized and there are no debts on my account.
<P/>
I have received no further communication from XXXX. Recently, I ran a credit report and then was notified that I was turn into collections for the XX/XX/XXXX and XX/XX/XXXX bills. I have called XXXX and spoke with XXXX XXXX at XXXX to attempt to resolve this issue. XXXX XXXX. told me that this is my issue and the debt must be paid through the collection agency Financial Corporation of America Corp. I called Financial Corp. of America Corp at XXXX. I spoke with XXXX XXXX. XXXX XXXX. refused to give me any ID number and refused give me the regulatory agency to file the dispute of this debt. XXXX XXXX. did confirm that I claim to dispute this debt and that she would write this in the file.
I mailed the dispute letter to Financial Corp of America Corp by certified mail XX/XX/XXXX.
<P/>
I would appreciate this debt being removed from my credit report.
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (CA).
Issue: Trouble during payment process

Complaint: I called my mortgage servicer and requested to be reviewed for " FHA deletion '' since my home 's equity is now over 20 %. The representative I spoke to on or around XX/XX/XXXX said that he would submit a request ( work order ) for review & consideration. I called my mortgage servicer again a week later to find out the results. The representative said that my loan was not eligible for removal of the mortgage insurance due to investor requirements from XX/XX/XXXX prior to originating my mortgage in XX/XX/XXXX. I asked them to please send a written explanation about why my loan was not eligible. To this date ( XX/XX/XXXX ), I have not received a written explanation for the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax is in violation of FCRA Section 623 and FCRA Section 611 Part ( A ) ( 1 ).
On   XXXX    XXXX , 2017, Equifax signed for a certified letter that I sent formally challenging the accuracy, compliance and reportability of information on my credit report regarding   XXXX   accounts from   XXXX   XXXX   Student Ln. I requested them to validate this information and provide me with copies of any documentation bearing my signature. I also notified them that I was aware of FCRA Section 611 ( a ) ( 1 ) ( A ) and that I would be keeping records INCLUDING their method of verification and that I do not consent to   XXXX   or any means of automated verification.
On   XXXX   XXXX  , I received an updated copy of my credit report with no changes and a simple statement that the account was " verified. '' There was no documentation of this verification, including no documentation of my signature or proof that these alleged accounts were mine.
On   XXXX    XXXX , 2017, Equifax signed for another certified letter I sent advising them that I was formally requesting a description of the procedure used to determine the accuracy and completeness of the information, and that it should be provided within 15 days of the completion of the reinvestigation. I requested the name, address, and telephone number of each person they contacted regarding these alleged accounts.
Today is   XXXX    XXXX , 2017 and I have not received the documentation from the original request of   XXXX   XXXX  , nor have I received the documentation from the 2nd request of   XXXX   XXXX  . It has been beyond 30 days, as required by law, for the investigation to be complete.

Company response to consumer: Closed with explanation