milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Application, originator, mortgage broker

Complaint: I was assured from a representative at Wells Fargo Mortgage ( XXXX area ) that despite starting 10 days after the contract date they would be able to close a loan. I ordered an appraisal from them on a rush XXXX XXXX. I received it back with errors on XXXX XXXX ( 25 days later ) when I was scheduled to close on XX/XX/XXXX. I disputed the results and asked for a re-appraisal. I was told it was ordered, however, the listing agent did n't start getting contact from the new appraiser until the day I was supposed to close. Meanwhile all contingency deadlines were missed. The matter was said to be escalated but there was very little communication initiated by them and some un-returned calls to either me, my agent, or the listing agent to try and keep ahead of the situation. They were unable to deliver and in fact I was told by a regional manager 10 days before I was scheduled to close to feel free to pursue another lender to close.

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 08/31/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: We financed our home in XXXX with XXXX XXXX and they sold it to JP Morgan Mortgage XXXX ( please note that this company is separate from JP Morgan/Chase ) sometime around XXXX. JP Morgan Mortgage XXXX initially used XXXX servicing to service the loan and has now switched to XXXX XXXX XXXX after just two months. We were given less than one weeks notice regarding this change. I called the JP Morgan Mortgage XXXX number provided to me by XXXX, but there is no option to speak to anyone. I left a message to call me but they have not ( it 's been about a week ). I have also called the company from a number I 'd found on the internet and the gentleman I spoke to stated that he could n't tell me if the company owned our mortgage or not.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXXShort sale was started XXXX/XXXX/2015 with Nationstar. We were informed that this was going to be run through Nationstar 's " XXXX '' program. The bidding started on XXXX/XXXX/15 and ended on XXXX/XXXX/15. On XXXX/XXXX/2015 we were informed that the highest bidder walked and Nationstar was going to go to the 2nd highest bidder. On XXXX/XXXX/2015 we were informed that the back-up bidders ( Nationstar 's pool of shill buyers ) also declined to move forward with the purchase of this property. The negotiator stated that they would continue with foreclosure until they get a reasonable offer that we can proceed with. They stated that since they could not procure a buyer through their auction process, they would be cancelling the file and asked us to remarket the property to find a buyer giving us the guidelines the investor wanted for an approval. The negotiator went on to state that if we could find a byer to meet those approval conditions they would be able to approve the buyer and close the short sale. 

We remarketed the property and found a buyer that was willing to meet the requested sales price, and now Nationstar is refusing to work with this buyer. They are stating it is required to go through their ( ALREADY FAILED ) auction process yet again. 

NATIONSTAR OWNS XXXX. 

I know for a fact that Nationstar/XXXX work with a special pool of buyers, whom they even claim to represent as their 'agent '. TWO ISSUES with this ... .. 1- Nationstar/XXXX are not licensed to represent buyers/sellers in this state. 2-'Representing a buyer ' goes directly against the idea of a public fair-market auction. 

In addition, Nationstar 's own shill buyers DO NOT HAVE TO PAY THE 5 % PREMIUM that the 'public ' is required to pay. 

IS NATIONSTAR DEFRAUDING THE INVESTOR BY FORCING THE PROPERTY TO BE OFFERED TO THEIR SELECT POOL OF SHILL BUYERS???? 


It is obvious the auctions are fixed ... .... Yet another way for Nationstar to defraud their investors, the community, and their own clients.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Credit card () with DISCOVER BANK (SC).
Issue: Billing statement

Complaint: I called my credit card company and asked why I have paid over XXXX a month and only XXXX go toward my balance. The women responded that I 'm being charged interest even though the account is closed. I asked her how can they do that she said she do n't know. I just wanted to know if they can do this?? I have been paying back the money i owe for over a year now and my balance was XXXX when I started paying back.. it is now XXXX. Please help me because if they are not suppose to be adding interest I would like to know. I have every intentions of paying back the money I owe but do n't want to be cheated while doing it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/17/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/16, Santander Bank left a message on my voice mail alerting me that fraudulent activity had occurred within my online banking checking acct. I called the number they told me to call, however, they told me they could n't give me any info & that I 'd need to go into the branch office. On XXXX/XXXX/16, I went into the XXXX XXXX XXXX XXXX, MA branch office. I was there 2 1/2 hours while XXXX XXXX, the bank rep, called the fraud unit. I was informed {$990.00} was externally transferred out of my online checking acct. Finally, someone at the tel. fraud unit line took my claim ( while still at branch ), telling me to use reference # XXXX to inquire about status of the claim. I was also informed by the person taking the claim that I 'd receive a 'provisional credit ' of {$990.00} into my acct. within XXXX10 business days. Also, they 'd send me an affidavit letter & I was to return it asap. To this date, I have n't received the letter nor the provisional credit. I have gone into the branch on XXXX separate occasions since & have called their fraud unit XXXX6 times & I 'm told by everyone that my acct is BLOCKED & no one can help me. Here 's the situation. I 'm XXXX yrs old & I need to purchase medicine as well as pay some bills. The {$990.00} that was fraudulently removed was the bulk of my Social Security check ( {$1000.00} ). Due to the massive incompetence by Santander, as well as some rude customer service reps, I 'm now in a financial DIRE NEED SITUATION. Today, ( XXXX/XXXX/16 ), I was told 'maybe ' I 'd receive the money in XXXX90 calendar days. When told by me this was unacceptable, they told me they could do nothing further. I 'm being treated like a criminal when I 'm the VICTIM of fraudulent activety which occurred within THEIR online banking system. Obviously, their online banking security measures are failing but that 's not my fault.

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 05/26/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX reported a late payment in 2009. I did not make any late payments whatsoever in this or any other account. I complained about this previously and I am sure it was removed at one point. Regardless XXXX has NEVER given proof that this was ever late on the account In this dispute with Equifax they also mentioned no information from the creditor yet negative info ( code XXXX ) remains on the account. 

This is ridiculous. No proof from XXXX ever about this and it needs to be taken off. Separate complaint against XXXX forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The creditor named on my credit report, does not own the debt and can not offer me any means of satisfying or paying the mentioned line item or debt. This is illegal. Any company who lists a line item on someones credit report, MUST BE the company that can accept payment or other means of satisfying the debt. how can i fix something, if they do not offer me a means of doing so. Creditor Name is a VERY IMPORTANT THING lol this is not to be taken lightly. This would be like naming the wrong person in court, the case would be immediately dismissed. The wrong creditor name is a very important part of the terms of the mentioned debt

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 01/24/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing disputes

Complaint: I lost my job in XXXX of this year. I was able to make payments on my credit card in XXXX and XXXX. In XXXX, my unemployment ran out. I called Capital One and advised them of the situation. I made my XXXX payment, but missed my payment for XXXX. I called Capital One again. They agreed to put me on a repayment plan, which includes no late payment fees, no over the credit limit fees, and allows me time to pay off the card. They had previously charged me XXXX late payment fees and XXXX over the limit fee ... .each XXXX being {$35.00}. They claimed at the time that my minimum payment was {$150.00}. This took my balance down below my credit limit, to {$480.00}. ( Credit limit is {$500.00} ) After removing the XXXX fees ( which totaled {$100.00} ) that *should* have made my minimum payment for XXXX {$45.00}. Nope ... .it 's still {$150.00}. Capital One continues to call me, insisting that taking those payments off my account did NOT affect my minimum payment, and that I *now* owe {$150.00} on a {$480.00} balance. That 's a THIRD of the outstanding balance. I 've advised them that they need to fix my account, since my payment is messed up. They refuse to do so. I 'm almost to the point of telling them where they can put their XXXX card!

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On my EQUIFAX credit report I have XXXX hard inquiries, XXXX in which I do n't know anything about. I 'm really shocked to even see this much but it makes me mad For them to be on my report when I did n't even do it. I tried to get the problem resolved but obviously they do n't want to. 

XX/XX/XXXX-XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX  XX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Debt collection (Mortgage) with CORELOGIC INC (IN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX PULLED MY CREDIT WITHOUT PERMISSION AND IS UNLAWFULLY REPRTING THIS ACCOUNT ON MY WIFES CREDIT REPORTS IN VIOLATION OF FCRA, FDCPA AND DODD-FRANK ACT.

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 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Provided company with police report dated back in 2016. Also made credit bureaus aware of the fraudulent account yet it still appears on my Equifax credit file

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Vehicle loan or lease (Loan) with BB&T CORPORATION (GA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: The vehicle in question was repossessed in XXXX 2012. There was no notification that this was going to happen. I sent them my XXXX XXXX prior to my departure. I was told by XXXX XXXX that those orders did not matter. I have sent the orders to them on two other occasions. They have put this on my credit report for 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 05-06-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (UT).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to work with chase now for 9 months regarding our inability to pay. Weekly I call them, I do everything they ask. They refuse to answer my questions or call me back. I have an agent helping us and they wo n't help any of us. They have lost my file & let all my documents expire. I need to relocate and nobody there knows anything. I need them to help me and get back to us and answer our questions. After 9 months we 've exhausted our efforts, o do n't want to lose my house because they wo n't help us.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Transaction issue

Complaint: I received a 30 day late on my credit report from Citibank/Home depo account. I strongly feel this was not accurate. I did n't receive notice from Citibank that they had not received my auto pay payment. When they finally called I Immediately paid account and requested this to be refunded as I had no knowledge until they called. They confirmed this, and refunded late fees. To date, I have not been late and acutally paid account off. I recently spoke with supervisor at Citibank, who received my prior CFPB complant, and said he applogized as he understood why Im frustrated and was willing to help me with an fees but since account is paid in full, there was nothing he can do. He did not have authority to remove off my credit since it was already reported. I asked if there was anyone else to speak with, and he said no. Therefore, I again am filing a complaint as I do not feel I should have a negative on my credit reporting due to an auto pay not being complete and Citibank/Home depo admitting they did not contact me till after the 30 day mark advising it was not received and agreed to reverse all fees, but not take of my negative on credit. Please remove the negative mark on my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I tried to dispute the date with Experian of the XXXX account. It should be the filing date and not the discharge date. There should be no collection activity, balance history, status date past XXXX I tried to have this corrected but I Experian is asking me to send id when I have disputed items in the past with them. This is an attempt not to investigate by inconveniencing us. I want to be able to dispute online. If they did thorough investigation I would not have to request reinvestigation. I have been back and forth with Experian and errors on my file since XXXX. They have not done their due diligence. At this point if they do not correct the date to filing date of XXXX I want the item deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (GA).
Issue: Problems when you are unable to pay

Complaint: I had a car loan for Prestige Financial. I offered to pay them XXXX to settle the balance on my car loan. They would n't agree to take it. So they picked up the car and sold it at the auction for {$4000.00}. They are now saying that I owe them more than what they are owed. They are asking to me to pay {$9500.00}. My balance should not longer be that high.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I made a payment to Wells Fargo on XX/XX/2016, and then charged a late fee of {$28.00} for not paying the remaining balance of {$1.00} ( USD ) for the billing cycle of XX/XX/2016. You can see the payment and late fee charge on PDF document, " account_history_XX/XX/2016. '' I would love to borrow from Wells Fargo again, but because of their practices, I am unsure if borrowing from Wells Fargo would be in the best interest to help with pursuing academic achievements, or even attempting to make payments back to Wells Fargo.

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 04/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with D. SCOTT CARRUTHERS (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: After receiving a few phone calls at work ( he left a message ) and on my cell phone from XXXX XXXX of the law office of D. Carruthers in XXXX Ca I decided to call him back. He told me I had a debt and owed XXXX from a XXXX loan I had taken out a few years ago. He then gave me XXXX options 1. pay XXXX today and make small payments on the rest. 2. make larger monthly payments to pay it off. 3. pay smaller payments but would need to pay XXXX today for a down payment to start the repayment process. I explained to him I would need more time to come up with XXXX. He told me that was not an option because I have already taken a long time to repay them back. He also told me it would be embarrassing if he had to serve me legal papers at my place of work since I am refusing to settle this today. I told him I was not refusing to settle, I just needed more time. He began to get rude and began to ask why cant someone like my husband or anyone help me pay this. I explained, I did not have a husband or anyone that would help me. I told him it is too hard for me right now because I have a baby and another son. He then replied, " so you have a new baby with no husband ''. He said that sarcastically. He also said he knows how much money I made and said he knows I can make the payments. I again explained to him I was not able to pay just yet. I asked if I could call him back. He confirmed my place of employment as if he was going to send someone to come by. Before hanging up I asked to speak to the attorney he had mentioned earlier he said I could speak to him at court. I was trying to see if we would be able to settle something in the near future, but he did not seem to want that. after a few minutes went by I called him back because I felt very threatened and nervous about him/someone coming to my place of employment. When I called him back I told him to not call or go to my work ever again. He replied by saying they will do whatever they want to resolve this. I then asked for their address. He replied by saying that I do not need their address anymore because they have already made a decision about what to do with my case. I said I want your address any way. He gave me XXXX XXXX in XXXX Ca XXXX. I then asked for their fax. XXXX XXXX then hung up on me. Also in the middle of the conversation I asked him how much was the loan I took out, he replied XXXX or something like that, but I now owe over XXXX from interest. I feel threatened and nervous about job loss. I also think he refused to settle anything with me because he did not want to give me more time.

Company response to consumer: Closed
Consumer complaint received 09/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My husband and I are very perplexed as to how Transunion continues to report the collection as verified with no changes each time it is disputed as fraudulent and no record of address for us at XXXX XXXX with the information they received from fidelity creditors and the fact the both XXXX and XXXX have deleted the fraudulent collection from our credit reports with them! We would like Transunion to explain this and how they verified anything and did due diligence in researching and validating anything regarding this case as it obvious Transunion did not do so and is thus libel and will be prosecuted.

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 04-07-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: Bill not received by Macy 's and phone information they had was incorrect and never heard of. Received notice in mail immediately called. Never had a late payment and did not once contact or receive bill from them. They had no compassion even though a good customer. I purchased item for XXXX they charged late fee of over {$150.00}

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 10/24/2015 about Prepaid card (Other special purpose card) with Empowerment Ventures, LLC (GA).
Issue: Unauthorized transactions/trans. issues

Complaint: It has now been almost 2 weeks and I have n't been able to access any of my money.. this issue started XXXX XXXX and still persist till this day. I have n't been able to get anyone on the phone the line keeps hanging up on me. I can finally go online to if see my funds are there which they are but the card they have there on the account is my old expired card ... At the end of the day I just want my money back that I worked hard for ... My vacation has already been ruined by this unfortunate event in which I have finally accepted, but I will not accept this unprofessional conduct by Rushcard. I also feel that its messed up how no one has stepped up to help us. why? is it because we do n't bank with XXXX XXXX, XXXX, XXXX XXXX etc. Sorry but our money matters too and it pays taxes just like every one else 's does. I 'm a single Female without kids and a XXXX XXXX that do n't make much as is but get almost {$200.00} dollars taken from me every two weeks for taxes. I want to know what our Government that I pay so well is going to do to help us tax payers that has been effected by this.

Company response to consumer: Closed with monetary relief