milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Struggling to pay mortgage

Complaint: Applied for loan modification through NationStar mortgage. Application was denied on XX/XX/XXXX, 2017 due to negative disposable income. Appealed decision because my husband was able to find job with sustainable  income. We also got rid of car loan and we have rental income now. NationStar sent a letter of denial. XXXX XXXX ( financial counselor at XXXX XXXX XXXX ) called NationStar and they stated that we already had an application under review which is why they were denying the appeal. They suggested to send a new application even though one was under review. XXXX submitted application on XX/XX/XXXX, 2017. On XX/XX/XXXX, 2017 we called NationStar and was told no documents were being requested and application is under review. On XX/XX/XXXX we received a sheriff sale notice for XX/XX/XXXX, 2017. We called NationStar and was told that no application was received. XXXX called NationStar on XX/XX/XXXX, 2017 and was told application was denied but representative could not give reason for denial. Case was escalated. XXXX called back on XX/XX/XXXX, 2017 and was told no application had been received and that 's why sheriff sale was scheduled. NationStar has received at least 3 applications. XXXX sent in another application on XX/XX/XXXX, 2017 and has not been posted as of XX/XX/XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit card () with U.S. BANCORP (LA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I never had any credit cards opened in my name!!!! Someone opened XXXX in my name because it is showing on my credit report!!! I want to dispute this!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Had contact the company to eliminate continue high fees ..proposed an offer to pay off credit balance that has never go down ... .the account has been closed for years ..the interest rate should have decreased due to no activity of usage. I had similar credit cards I used to borrow cash money for college expenses. I graduated back in 2011 and this credit card is the one that I am still paying today with a balance of XXXXI do n't have anymore credit cards they all were payoff like XXXX card..XXXX  ... XXXX XXXX XXXX..When I will stop paying this credit card the balance is still the same ... this is crazy!

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX in XXXX XXXX talked to them that I was laid off from work needed so time to pay. They supposedly put in a problem for XXXX months so I can pay off the card. That is why I late for those XXXX months. Since then I paid everything in time. My calls into XXXX XXXX was recorded would like to go back and hear that conversation. 

XXXX XXXX also mention they would send documents over the mail never received them and my address on file was correct never change it. XXXX 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 explanation
Consumer complaint received 08-02-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing statement

Complaint: I received my bill today and noticed my interest rate had suddenly gone up to 25.49 % from my usual 23.99 %. I reported Macy 's last year. I have been a faithful and loyal customer for the last 20 years. This company definitely holds political grudges. I have Never been late. I have paid by phone the last few months. I had a {$85.00} minimum payment for the last few years. They are claiming I just recently charged {$2800.00} on my card. They claim they were giving me a promotional rate. I have not used the card since XX/XX/XXXX or XX/XX/XXXX. This amount of {$2800.00} has been on there for a couple of years. I spent a half an hour on the phone with them and got nowhere. I do not understand their representatives and they speak garbled. They have no right to SUDDENLY charge me a much higher rate WITHOUT EXPLAINATION! Please check into this! 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 explanation
Consumer complaint received 10-05-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: My husband and I tried to do a simple refinance in XXXX 2016 with Wells Fargo bank. We have been long time customers of the bank with outstanding credit ( over XXXX score for each of us ). We were asked to submit documents multiple times for the refinance and sometimes the 'online portal ' was not working correctly, so we were encouraged to 'just email ' it to our team of refinance people ( XXXX XXXX , XXXX XXXX , and the underwriter ). As we all know, email is notoriously unsafe for the transmittal of sensitive documents. Prior to my husband and I completely pulling out of the refinance process due to Wells Fargo 's inability to complete the simple paperwork, I came across an email that showed that our home appraisal was SHARED with a couple in XXXX by the name of 'Powers ' which closely resembles our name 'Bowers ' , but only if you can not read. We came to find out that personal information was not only transmitted over email, but shared with complete strangers who 's name happened to sound the same as ours. We have since opened up another refinance with our local bank ( XXXX ) and the process is going smoothly. I have requested our appraisal fee to be refunded, but so far Wells Fargo REFUSES to give us back that lost {$350.00}. We had to come out of pocket for another appraisal with our new application with XXXX. I strongly feel that Wells Fargo should refund our appraisal fee ( at a minimum! ) for the way their refinance team handled our simple refinance. Thank you. XXXX, CA, 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 05-04-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I received a loan from Sallie Mae XX/XX/2016 to help pay for my schooling at XXXX XXXX University in Alabama. The loan amount was for {$10000.00}. I am the primary on the loan and my grandmother is the cosigner. For the past three months ( starting XX/XX/2016 ), Sallie Mae has been hounding my grandmother and myself to start paying the interest on the loan. I told them that I am still a fulltime student at XXXX and can not make payments right now because I do not work. I told them that I would like to defer the payments until I graduated. I was told that I did not make that choice at the beginning of applying for the loan ; so I filled out a deferment form and faxed it to Sallie Mae. The calls stopped for a week, and then started right back. They were calling my grandmother five and six times a day asking her for money. My grandmother told them to stop calling and that we already faxed in the Deferment Form to Sallie Mae, however, each time se spoke with them, they gave her a different explanation as to why they still were calling and why the Deferment Form was no good. The customer service representatives for Sallie Mae, as well as the Managers my grandmother and I spoke with were rude and aggressive. My grandmother is XXXX years old and they were very disrespectful to her. I have an Aunt that is a debt collections attorney and she even spoke with Sallie Mae asking what exactly was the issue with accepting the Deferment Form ; however, when Sallie Mae found out she was an attorney, they told her that everything was fine and they would update my account to show that the Deferment Form was received and to stop calling. However, the calls started again a week after that phone call and are still continuing to this day ... even after my grandmother told Sallie Mae to stop calling and correspond with her only through mail documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: We are still at it. Another proof of Equifax operating in a Vacuum without Laws. Notice the Addressee on the Envelope : STIII / AGAIN. 

Hey Imbecile, here is our proof we no longer identify you as someone else. We will no longer gather information not in your name or disseminate wrong illegal information. Believe us verbally as we demand you do this! It is just OUR Policy to address any correspondence to you in other than your name. As you accept this Mail as yours, we are authorized to collect data and disseminate information as you are accepting the fact you are AKA. I AM NOT!

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (I do not know) with I.C. System, Inc. (CA).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: Company has instilled fear within the consumer. Today the company responded to a earlier complaint stating that the matter was in past or present litigation. This caused emotional distress. I would like for I.C. Syste m to provide proof that this matter is in litigation or has been in litigation pertaining to this matter with  XXXX   XXXX . Please upload any and all past or active litigation documents that were the result of a case #.   XXXX  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 11-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are inquiries on my report that do not belong there.

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 06-10-2016 about Prepaid card (ID prepaid card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Managing, opening, or closing account

Complaint: American Express Serve cancelled my card. They were suppoed to send me a check with the remaining funds attached to it but never have. This was over a month ago and they told me on a recorded line that it would have been sent out within XXXX days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/21/2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have written to XXXX XXXX SEVERAL times asking for VALIDATION of my debt and to get the original paperwork/contract. They continue to send letters that say that they have resolved my dispute. I did get a letter in XX/XX/2018 that says the account is closed, HOWEVER I feel that this account should be REMOVED from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Student loan (Non-federal student loan) with Weltman, Weinberg & Reis Co., L.P.A. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: About 10 years ago, my wife co-signed on a loan for my daughter. We borrowed {$27000.00}, Today, we owe {$47000.00}! We have made payments over the past 10 years, but there came a time when we could not make full payments. A couple of years back the agency we borrowed from sold our debt to a law firm that offered us an arrangement. We now pay {$50.00} a month. I am unemployed and currently have XXXX of my adult children and our granddaughter living with us. The added expenses make it very difficult to pay more. What I would like to know is why this law firm increases the balance of our loan principal by $ XXXX/month! I do n't own a home, have spent all our savings, and have no other assets to be able to offer a settlement. At this point, my wife and I ( I am XXXX ) will never be able to pay this loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Making/receiving payments, sending money

Complaint: I had a write off at Regions Bank and they told me that I owed {$400.00} on account # XXXX and {$84.00} on account # XXXX. I over paid $ XXXX hoping they would force open the accounts but now the claim I still owe $ XXXX because the amount originally given me was in error that I owed more. They never would send me a balance payoff as I so requested at the beginning of the payment off plan

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: American Express XXXX The basis for my dispute is American Express was required to notify me prior to XX/XX/XXXX, or no later than 30 days after American Express failed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall  be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory 30, 60,90,120, information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, American Express " failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages.
Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) American Express failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120 status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve American Express is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXX-XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: began a home building process in XXXX XXXX, deposited {$18000.00} with XXXX, home was built, closing occurred XXXX XXXX and {$18000.00} deposit was added back to amount. 
False appraisal of home was $ XXXX for a $ XXXX note. Closed then and moved in, one year later GMAC became servicer and jacked up {$1800.00} monthly payments to {$2700.00} based on false appraisal.XX/XX/XXXX, AHM went bankrupt, XXXX rejected {$80.00} XXXX in XXXX XXXX trusts, XXXX XXXX XXXX XXXX [ XXXX XXXX of XXXX ] bought those XXXX garbage trusts made by XXXX and serviced by GMAC for a mere 1 % .This is called RE-VENUE not a real purchase, he got only rights not full equity claim. I Filed TILA claim in XXXX XXXX against XXXX and GMAC, one month later XXXX XXXX as " trustee '' of voided bankrupt trust, filed a foreclosure suit without standing as trust was voided.Still in my home and I have filed several complaints to you, and agency created from my complaints. See case # XXXX filed XXXX XXXX in Fl. XXXX. can be seen on pacer.gov So now, XXXX XXXX was behind trying to foreclose on me all along, and OCWEN is and has been committing fraud, by not revealing the true party in interest.OCWEN claims to be " servicing '' a bogus trust for XXXX XXXX, all who are hiding behind XXXX XXXX. See attachments. The BK court in my case, duscharged all debts leaving only a " creditor with a valid lien '' and there is no creditor only fraud based debt collectors trying to get their 1 % investment plus another illegal 99 %, this is how the corrupt 1 % rich get rich, but XXXX for 1 % and collect 99 % from the 99 %, who dont know what is going on.Then there is me, smarter then all others. I want you to file an amicus breif on my behalf and know that they tried to make XXXX trusts from XXXX home documents.FRAUD. the case is in XXXX county florida XXXX circuit [ XXXX ] case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Mortgage (Conventional fixed mortgage) with INTERFIRST MORTGAGE COMPANY (WI).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX I applied for a loan with Interfirst Mortgage. I provided all the necessary documentation. The process seem to start off with no issues but it took them over 30 days to provide me with a loan decision. They did suspend my loan because I was refinancing my home I live in that my father left me last year when he died. I moved back to the midwest to the suburbs of XXXX to take a job that I do remote on certain days. Prior to my dad getting sick I would travel almost XXXX miles one way to get to work so i could assist him in his XXXX state. That was more important to me than the drive. I also had a roommate situation for those days in XXXX where I had to stay over for a meeting or client circumstance. I provided a copy of the lease to show them this, however all my financial statements, bills, etc were all pointed to my home in Wisconsin. After providing the lender with the documenation that this was my primary home they decided to denied me. I do understand that XXXX guideliens on a primary home. I do not currently own a primary home. I was not even given the opportunity to have the laon restructed as a XXXX home and until this day I have not gotten any written denial.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Debt collection (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am co-signed on student loans with my brother-in-law. He is struggling to make the payments and I do not have the money to make the payments. I have told them this in the past and they start calling me shortly after XXXX and repeatedly call me every hour all day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Closing/Cancelling account

Complaint: Synchrony Bank closed my account without notification with an available balance of {$240.00} without proper cause.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Other debt) with First Advantage LNS Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against NCAC for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2016 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2016 Chase wrote regarding Case number : XXXX : When we were notified of this case, we sent you a letter letting you know we received it. Although we began researching your concerns right away, we need more time to complete it. Please expect a letter from us when we have an answer. Thank you for your patience. 

This is yet another lie by Chase, when Chase was notified about this case, they did not send out a letter, they, in direct violation of Regulation Z and TILA initiated dunning calls. Chase did acknowledge receipt of the letter in numerous communications, thus they can not claim they did not receive the letter. 

In the aforementioned complaint a direct request was made of Chase to provide documentation used to make a decision, Regulation Z and TILA both require a response within 30 days, at a maximum, or the account to be provisionally credited. Chase did neither. 

The fact that the executive office of Chase is openly and directly violating Regulation Z and TILA in a response to inquiries on a CFPB website is troubling. 

I would also like to thank the CFPB for Chase would have never responded to my questions without your assistance.

Company response to consumer: Closed