milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-04-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Application, originator, mortgage broker

Complaint: NATIONSTAR AND FREEDOM MORTGAGE ARE GUILTY OF FRAUD ~ The HUD/Truth in Lending Statement and the Escrow Disclosure statement on the loan origination had intentional fraud and items were left off to make the loan payment appear lower. This caused major escrow errors later and a near loss of the home from the fraud. On two separate occasions, the payment almost doubled, from {$800.00} to {$1400.00}. 

Nationstar made us aware of this loan origination fraud in XXXX 2015 but later, in an attempt to collect payments, repeatedly denied it. They even lied to government investigators to cover it up. 

Specifically, Nationstar was dishonest on the phone and in an official government CFPB filing when it denied having access to any paperwork from the prior servicer. 

We have repeatedly requested that they follow the law and rescind the loan due to intentional fraud. They have repeatedly lied and denied our request. ***Attached is a letter from XXXX confirming the loan fraud and also confirming our request to execute our right to rescind the loan due to intentional fraud***

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Transaction issue

Complaint: I used my credit card to book a hotel in XXXX. The hotel tried to overcharge me when I actually arrived there and was not ready to honor the pre-booked rates. I did not stay there but they still charged me for my reservation. Under my credit card, I should get insurance for my purchases but this card does not honor this. They will not refund the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Prepaid card (General purpose card) with CITIBANK, N.A. (NH).
Issue: Unauthorized transactions/trans. issues

Complaint: I received a pre-paid XXXX card from XXXX as a rebate. The expiration date on the card ( XXXX 2015 ) was approximately 3 months after I received it. I used all but {$48.00} of the funds, but now that the card is expired it got declined when I tried to use it. XXXX will not issue me a new card for the remaining balance, or offer any alternative compensation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have credit inquiries on my Transunion report that were previously removed and now have reappeared. I would like them to be removed permanently as soon as possible.

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 03/23/2017 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (MT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Over the past couple months Chase repeatedly contacted my father about the supposed debt I owe. My father contacted me and asked why Chase was trying to get him to pay the bill when my Chase account was never linked to my fathers. He did have an account with Chase but he closed it, in good standing, years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (LA).
Issue: Loan modification,collection,foreclosure

Complaint: Re : Loan # XXXX Dear Sir or Madam : The reason for this letter is to report that I am in the middle of a loan modification and also a foreclosure for my home, which was filed unknowingly against me by Nationstar Mortgage. The scheduled sale of my property is set for XX/XX/2016, which I was not aware of. 

Most importantly, I was uninformed and relying on Nationstar Mortgage representative 's verbal promise that stated : " We will not foreclose on your property while under the process of obtaining a loan modification. '' Furthermore, Nationstar Mortgage purchased my mortgage from XXXX over two years and the loan has ballooned with numerous outstanding fees tacked onto the account each month. So, I am requesting that the mortgage company forward me the information listed below. 

Please forward an itemized breakdown of principal and balance amounts pertaining to the loan. I am also requesting the complete details and contact information and an audit of account by outside source. I greatly appreciate your assistance in this matter and look forward to your prompt response. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (MD).
Issue: Deposits and withdrawals

Complaint: Hi, I am an XXXX of an XXXX. I am writing to complain about PayPal 's unethical and potentially illegal business practice in regards to payment processing. My company manages and operates over XXXX. We used PayPal as a payment processor to process XXXX. Starting in XXXX 2016, PayPal started withholding 20 % of our funds for each sale as a reserve which is meant to cover chargeback transactions. We have since stopped using PayPal as our payment processor as we feel like this is excessive after reviewing our chargeback activities for the past 2 years. As of today, PayPal is holding over {$170000.00} of our 's and our client 's money. We are on verge of bankruptcy due to this business practice by PayPal as we are unable to pay our clients and our vendors. We are asking for the Bureau of Consumer Financial Protection to look into this matter and assist us in getting our money back. So that a business that has been operating for over 10 years does not go out of business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2015 about Bank account or service ((CD) Certificate of deposit) with U.S. BANCORP (TX).
Issue: Account opening, closing, or management

Complaint: XXXX 2014 my mother requested US BANK, XXXX XXXX XXXX XXXX California for an address change on her CD/Moneymarket/checking account due to her move to Texas. Still after a year and still not receiving statments and After numerous calls by her, then by me, the POA, after a certified letter, after another call to the Branch Manager, XXXX XXXX, then to XXXX, an account manager in Colorado, then to a XXXX XXXX XXXX, District Manager and now waiting for a return call from the Regional President, XXXX XXXX as I type this complaint. I also am disappointed in the Consumer Financial Protection Bureau for their lack of assistance or resolve. Plus, the consultant I spoke with read her que cards too quickly!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I filed for Bankruptcy XXXX XXXX, in CA. My Loan was with Caliber Home Loans. They sold my home for {$4800.00} over what was owed against the loan. I never got a check, but received a XXXX showing that they wrote off {$5500.00} in interest. Called the IRS who told me I would have to go after the lender for fraud, but I would have to file as per the XXXX Called them twice at an hour the first time. They could not give me an answers or accounting of the figures. Called them again they left me on hold. Gave up after nearly 40 min. This company had over XXXX complaints here and Ill be securing another attourney and going after them for all expenses as well as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit card () with CITIBANK, N.A. (LA).
Issue: Billing disputes

Complaint: In XX/XX/XXXX I found a charge on my credit card that could not have been mine ( to XXXX XXXX ) but there was a credit to go along with the charge a week or so later so I thought it was a billing error and dismissed it. On XXXX XXXX, 2016 I saw a charge for {$130.00} to XXXX XXXX in XXXX ( I live in XXXX and have not been to XXXX since XX/XX/XXXX ). I called the number to XXXX and the recording said if I had a billing issue to send an email with my personal information and last XXXX digits of my credit card number. I decided to call the credit card company ( Citibank ) and have them remove the charge from what seemed like a bogus company. They said I needed to submit a dispute online, so I did and they issued a conditional credit for the {$130.00}. Over the next day or so I started thinking about it and realized that someone had my card and the representative at Citi did n't shut my card off. I called back and asked if they were sending me a new card and they said they could if I wanted them to but they do n't do that without request. I explained that my card was used on the other side of the United States for chicken and waffles, since I did not make this purchase someone has my card number I want it cancelled. They seemed surprised by this but sent out another card. On XXXX XXXX I received a response from Citbank with a copy of chargeback evidence from XXXX saying that a XXXX XXXX with an address in XXXX and an email address of XXXXXXXXXXXX ( not even close to my email or address ) ordered this and paid with my credit card number ( no signature, no actual card ) and I am responsible for this charge. I am livid at the customer service from this credit card company. I had to call them to dispute it again, sign a form and mail it ( using my stamp ) but they still have the charge on my card. I received a response yesterday saying that they have sent my response to XXXX and they will get back to me by XX/XX/XXXX!! My bill is due in XX/XX/XXXX, I will not pay for a stolen credit card charge when I alerted them the day of the charge. This is a platinum card that is supposed to have protection on it but it has n't protected me at all. I want the {$130.00} taken off of my card without me having to jump through hoops. This is the most ridiculous thing I have ever heard of and I will not pay this nor will I pay for any interest charges that occur due to this bogus charge.

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 02/27/2017 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: Promotion advertised to open new account. 
Went through all the steps and at then end it checked my identify and asked me to answer questions, and somehow system were not able to identify me. 
Bank system took me to another page asking me to upload XXXX form of IDs to verify identity, once that completed, I was sent a confirmation that I will hear back from the bank soon. 
After a month or so, the Bank denied opening my checking account, telling me that they ca n't verify my identity thus they ca n't open my account.

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
Consumer complaint received 03/19/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On Wednesday, XX/XX/2018, I went to Bank of America to deposit my first payroll check. I received a paper check from XXXX due to the fact that BOA had not verified my account with the payroll company for direct deposit, although it had been 2 weeks since my employer submitted my account info for verification. The lobby was closed so I used the ATM to deposit the check. I was notified after the deposit that an exception hold was placed, with the reason stating " because check specific information indicates item may be returned ''. Since when are checks issued by a major payroll company at risk of being returned? My account is not an account less than 30 days old, nor do I abuse my account. I can understand a hold being placed as I usually have direct deposits and I did not have matching funds in a savings account, however, under Reg CC guidelines the first {$200.00} must be made available and the hold a 2 day hold as it was local check but I will not have access to one penny of my money until Friday, XX/XX/XXXX at XXXX XXXX Unacceptable. I called BOA 's customer service twice and went up and spoke to a relationship banker and no one can reduce the hold time or release any funds. Very disappointed.

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 08-10-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery insists on calling me repeatedly about credit card debt after being instructed not to call. Its number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Chase issued a XXXX cancellation of debt in 2014, which I included in my taxes for the year. Chase continues to report the full balance owed on my credit report. I have written back and forth with Chase even to ascertain whether some settlement could be reached, I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Billing disputes

Complaint: Citi told me they would delete my account off of my credit profile if I made a payment to take care of my debt. I made the payment, and they did not delete the information. They performed a " bait and switch '' to get their money. Even though I took care of this debt they are also still reporting derogatory information on my credit profile.

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 09-11-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (MS).
Issue: Trouble during payment process

Complaint: Our home was destroyed by Hurricane XXXX in XXXX 2005.Due to a Flood Determination error by our bank we had no flood ins. We have litigated this item and have received partial compensation. A Grant was given to us for $ XXXX to repair home, but XXXX demanded XXXX before they would release funds to repair home. As part of our compensation, the bank signed an agreement, Right to Modify, with us that gave us the right to request a rate change once our house was repaired. XXXX was our Mortgage Holder and we did request the rate change. They never answered it but sold our loan to XXXX. We requested XXXX XXXX to modify the interest on our loan. They never answered but sold our loan to XXXX XXXX, in XXXX. We contacted them to modify the interest rate. They did acknowledge our communication, but were more interested in refinancing our loan. We submitted XXXX applications for refi but they kept losing them. Finally, we told them that we were not going to make any more payments until the lived up to the agreement signed by XXXX. We also requested to see the original docs for our loan. At that point they no longer answered our calls or letters. That was 5 years ago. We did get threats to accelerate the loan and they did place us with a foreclosure mill attorney but we did abate that with a Bankruptcy Proceeding. They still have not addressed the agreement nor will they answer any questions about original note and mortgage. I have since contracted XXXX XXXX and I believe they are hoping I XXXX  and this will all go away. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called these companies to have all my inquiries removed because some one tried to apply for credit cards in my name and was not authorized to do so. Now these are listed as hard inquiries on my credit report with the 3 bureaus. None of the inquiries have been removed yet. XXXX XXXX- Hard Inquiry- XXXX XXXX XXXX- Hard Inquiry- XXXX, XXXX Chase Card- Hard Inquiry- XXXX, XXXX XXXX- Hard Inquiry- XXXX, XXXX XXXX- Hard Inquiry- XXXX XXXX XXXX- Hard Inquiry- XXXX XXXX- Hard Inquiry- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My servicer Fedloan is not acknowledging my offer to pay. I have been asking them for the orginial promissory note which they keep sending me blacked out copies of a promissory note not my note. I have sent them several certified mail letters asking for they contract with me that I signed for them to collect a supposed debt. They have violated several Truth in Lending and FDCPA codes.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My spouse and I have sent the credit bureaus multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is an XXXX debt and some late payments reporting inaccurately and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My home is currently for sale and under contract scheduled to close in the next two weeks. My current mortgage company has XXXX in escrow for real estate taxes. I first requested that escrow be canceled and they send me the funds so that I could use them to establish escrow on the new home I am purchasing. They denied my request. I then requested that they subtract escrow off my payoff statement and I never received a response. I explained that I would be contacting the CFPB if we could not reach a mutually acceptable agreement. We originally purchased our current home in XXXX XXXX well before escrow rules changes under Frank Dodd. I couple of years back I requested to cancel the escrow of homeowners and they did that without a problem. This mortgage company is holding my escrow funds hostage and refuses to send the money to us. They said we should receive the funds 15 days after the loan is paid off. How are consumers supposed to set up new escrow? I believe this causes consumer harm. 

I have have been a customer of PHH Mortgage since XX/XX/XXXX with XXXX separate loans. We have never been late. Not ONCE. As a matter of fact, if you check our payment history we generally pay over the amount due and pay 5 to 10 days early.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (NY).
Issue: Struggling to pay mortgage

Complaint: I got behind with out mortgage payments due to an unforeseen illness in XXXX. I reached out to my mortgage servicer FAY Servicing LLC in XX/XX/XXXX to seek help for several months with no luck. The lack of response from our mortgage servicer led to hire attorney thinking they would respond to an attorney because they have had shown no interest in talking to us directly. In XX/XX/XXXX our attorney submitted a loss mitigation application i. After 4 months of back and forth with our mortgage servicer FAY Servicing LLC claimed  they did not receive all documents requested and in XX/XX/XXXX they sent us a letter stating our application expired and we would have to start the process all over again. We resubmitted an application for loss mitigation help and only seven days after they claimed they received our complete package they denied us and said we were not eligible for any programs because of lack of income. Throughout the entire second application attempt we were getting what appears to be foreclosure related documents leading me to believe we were being dual tracked during the mitigation process and they had no intention of making an honest attempt at a workout option. I have had to pay my attorney approx 5k to date in fear of the servicer filing a foreclosure action before a mitigation option was presented. This servicer is despicable and had zero intentions of trying to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Synovus Bank (KY).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: Applied for secrure credit card month ago put  XXXX  dollars down on it for a security deposit have n't heard from them it 's called first progress master card need tknow if I am going to get it if not want my money b ack one month i s long enough

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Mortgage (FHA mortgage) with U.S. BANCORP (NE).
Issue: Trouble during payment process

Complaint: My mortgage is not even late until XX/XX/XXXX. Today on XX/XX/XXXX, I received 3 calls from their auto dialer from mortgage collections. I set up my bill pay for XX/XX/XXXX, but it's probably delayed because of the weekend. Constant calling from an auto dialer before my payment is even late is abusive and violates fair debt collections practices.

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