milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Certain time periods of time in the year we deposit checks to our personal account at BOA and also our clients deposit to the same account because of clients convenience sake.We also take business checks for business account with another bank and deposit into our personal account at BOA. Because of this process our checks have never bounced from either account. 
we have been account Bank of America since 1977

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Nationstar has consistently made errors in calculating my Gross Income. That is especially true for Social Security Income in all 6 of my applications for a modification. The last application for a HAMP 2 loan on XX/XX/XXXX shows that Nationstar 's computation resulted in $ XXXX/mo. less Gross Income needed for a HAMP 2 approval. and resulted in a HAMP 1 approval at a monthly payment of $ XXXX/PITI mo. instead of close to $ XXXX/mo.PI. They also had a value assigned to the property of {$140000.00}, as opposed to the XX/XX/XXXX certified appraisal of {$120000.00} or the last value of {$120000.00} assigned by Nationstar on XX/XX/XXXX. This was corrected on a review of the application on XX/XX/XXXX to reflect a change in forbearance form XXXX to {$51000.00} because of the 115 % rule. However, the monthly payment remained the same for 271 months as opposed to the use of 480 months, and the Social Security calculation was not corrected to result in an approval for the HAMP 2 modification.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: My bank ( Bank Of America ) debited my account over {$840.00} for a legal action taken against my account ( It was an old debt. ), and then debited {$120.00} service fee for the task of performing the debit. They had done so without any prior warnings. not even an alert which im enrolled to receive. So as I paid a couple of utility bills, I paused to check my checking balance. and was in total shock to see my balance was -XXXX I was over-drafted by {$35.00} and that was the over draft fee. The next few days I was heavily bombarded with returned payments along with the bank fees and more over draft fees. Which only added insult to my injury.

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 05/15/2016 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed for Chapter XXXX bankruptcy in 2009 and the accounts that were included in the case were listed as charge-off status. XXXX have the accounts listed as closed charge off. But after several disputes Equifax keeps listing the accounts as still open with no closed date. Therefore it is still showing up as an open charge off account and reporting as late and not closed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: We have been scheduling our mortgage payment through our bank ( XXXX XXXX for scheduled payment prior to the due date each month. For XXXX out of the last XXXX months M & T has failed to cash our check in a timely manner and has blamed us for the late payment. They have charged us late fees and refused to remove them XXXX even when we have offered to take a picture of our XXXX account information showing the payment was debited from our account in timely manner ). We believe they have unethical practices and are just trying to cash payments late or say they " lost '' payments in an effort to make more money and collect late fees. They have even gone so for as to have there " mortgage assistance and debt collection '' department call me at work. This is beyond unconscionable. I have never been late with a payment and have never had trouble with making online bill payments with any other payee.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (Mortgage) with Specialized Loan Servicing LLC (ID).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I had a loan that was sold to a different mortgage company that had derogatory remarks on my credit report I have a XXXX balance with them. I would like to get this taken of my credit score can you please help me out on what steps i need to take, to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Omni Financial Group, Inc (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This account shown charge off in my credit report and I sent them a validation. They sent me a letter stating what I owe but when I look at my credit report they are reporting 3x the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (CA).
Issue: Credit decision / Underwriting

Complaint: I received an Adverse Action from Chase bank regarding a HELOC I was looking into. I believe they are mistaken since they had no action to take - I denied their loan because the terms were not competative and the individual who was taking my application kept trying to get me to put more of my credit card debt and an auto loan on to the HELOC to get " more ''. Of course I was looking for liquid cash, not debt consolidation to a higher rate product so I refused their loan. The net on his pitch was that if I transfered every debt I have other than my first mortgage I could get a net of about {$6500.00} more on my HELOC - and as a result end up with very little liquid cash. Their matrix appears to be a bit stupid - either because of CFPB rule making or their own short sightedness. 
I am currently paying down my debts at more than {$3000.00} a month and have excellent credit ( XXXX - lowered because I put my card debt all on XXXX card ) and more than $ XXXX equity in my primary residence - I chose to discontinue the process when it became clear that the primary goal was to coral my debt service - not to extend me money in hand. 

Before the " debt crisis '' I was able to get a HELOC of {$140000.00} with lower income and higher debt - I have never missed a payment and understand credit. 

It is a difficult situation to have to spend a half hour telling someone about your life story at work - because they have short hours - so they can make a deterniation as to how much they are willing to lend. I am sure part of this is to make sure I have " skin in the game '' and wo n't walk from their loan. They should have a loan calculator online so I could see how bad their offers are without dealing with a person who is afraid to make a misrepresention. 

I would like an address where I can send them an Adverse Action explaining why I walked away from their useless loan product. On the bright side - if I do not get a loan from my insurace company - who is still working on the Dood-Frank changes to their contract - I will pay off all of my debt including my house within five years and can remodel my kitchen without XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Over the last 5 months I have faxed loan deferrment and cancellation forms Campus Partners. Each time I have faxed, I 've recieved conformation that the documents have been recieved, but according to them, they have not recieved the paperwork, despite faxing from my jod, XXXX AND XXXX XXXX. Each time I 've called, I gotten different information from different customer service agents. As a result, I now have a poor credit score and can not buy a larger home to better accommodate my XXXX mother who lives with me. 

Campus Partners is poorly organized and has no system for managing recieved paperwork and paymenys. 

I work hard to maintain a great credit rating and pay my school loans on time ... {$470.00} each month. Thanks to Campus Partners, I now have a default for {$160.00} on my credit report. If I could sue them, I would. 

I 've since called them today and now they need something else. 

THIS COMPANY SHOULD BE PERMANENTLY CLOSED!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: There are issues with my sons loan that he and his mother have with Sallie Mae and they keep calling me at all hours and while at work. I explain that I am not on the loan and to stop calling and their people have stated my name is on the contact list and they want a payment and if I want the calls to stop to make a payment. 

As far as I am concerned they are worse than a loan shark and they will do multiple computer calls per day and that is a form of harassment and that is not legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015 I made an offer on a repossessed property that was being sold by the US Bank. Although my initial offer expired on XXXX XXXX, 2015, I was not presented with the 'Counter Offer Addendum ' until XXXX XXXX, 2015, calling into doubt the validity of this even being a 'Counter Offer ' or an 'Addendum '. Furthermore, in accordance with paragraph XXXX of the initial offer, there was no basis to maintain any contract with this so-called 'Counter Offer Addendum ' since the offer had thus already been deemed withdrawn. 

At the time I made the offer I had no knowledge of the seller-skewed, 'Counter Offer Addendum ' that was to follow. This document stated all of the foreboding liabilities that rightfully should have been presented from the start. Since the 'Counter Offer Addendum ' arrived late in the week and the Bank wanted the deposit wired by Friday, I had virtually no time to scrutinize the document or voice any concerns. The US Bank got my deposit anyway and then considered me under contract. 

However as the closing neared, my demands at work delayed the closing by two days. Due to the lack of incentive that US Bank has to deal with people, the bank gave away my property to another buyer, keeping my escrow without notifying me of its intentions. Even though I was the higher bidder, the bank 's apparent goal was to clear its books then write off the difference either way. 

Now, I have no property and am {$1000.00} poorer, while US Bank continues to do its business on people without any conscience.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with CITIBANK, N.A. (PR).
Issue: Unexpected or other fees

Complaint: I have a XXXX dollars due feed on my credit report. The report states that it comes from XXXX. XXXX advices that it is not theirs. I need to claimed XXXX XXXX And find out if it is theirs.

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 05/29/2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Trouble during payment process

Complaint: I sent the following letter  to Freedom Mortgage Corporation  on  XXXX .  XXXX ,   XXXX , bu t to date there has been no response at all fr om Freedom Mortgage Corp. : " This is a request for information, for review, and for an explanation regarding my Freedom Mortgage ( FM ) account. In particular, I would like an explanation as to why twelve ( 12 ) mortgage payments were marked N or U for unapplied funds,   occurred between  XXXX  and  XXXX , and  XXXX  through  XXXX . During these periods, I was enrolled in FM s Bi-Weekly Automatic Draft,  and paid an additional {$300.00} a month towards principal in order to curtail  my 30-year fixe d rate mortgage. In order to be on the Bi-week ly Automatic Draft, I  had to pay one full month ahead to FM.     The main purpose of signing up for th e Bi-Weekly Automatic Draft is  to curtail my mortgage by having the mortgage paid every 14 days, thereby paying the principal down quicker. However, it appears that FM did not apply the funds when it drew from my bank account on a bi-weekly basis. Instead, it held on to the funds for 14 days and did not apply same to reducing my mortgage. Therefore, by utilizing such method, FM purposefully withheld funds paid to it for its own financial benefit at the expense of a borrower like me.     I await a prompt written response from FM, within 20 days from the date of this lette r ( n o later than  XXXX  ) to address my concerns as stated in this letter.  You may reach me by email or US Mail .   Sincerely, ''

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed bankruptcy chapter XXXX in XX/XX/2016 - at the time of filing a tax lien showed up out of no where.. I received no bills or documentation about this debt. i contact the credit reporting agency for info. they referred me to XXXX XXXX XXXX XXXX XXXX in XXXX -stated the phone number to contact the original creditor was XXXX. I requested a dispute .the credit reporting agency Equifax stated the information was verified. i went on to contact the creditor myself, at the number listed on my credit report, talked to multiple people they stated they do n't handle taxes at the number XXXX -and could n't understand how the credit reporting agency was passing out their number for such taxes. according to the FCRP they must provide correct contact information for the creditor which they have not which is a violation. additionally the creditor did n't provide any validation notice ( XXXX dunnying notice ) to all me to validate the debt prior to credit reporting. i have contacted them .but only can talk to collections department which act like pit bulls. Stating I know I owe the money and pay. they are not above the law because they are state agency .they have since added another tax debt mind you I did n't get a notice for this one either. showing recorded XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX in XXXX {$260.00} phone number XXXX .. which they also state tax. they are again reporting incorrect information for the creditor which means there is n't any way to verify the debt w/ the creditor. how is the data finisher verifying these debts if the information listed on my credit reporting is incorrect please verify. i have disputed these items multiple times which have never been verified because the contact information is incorrect.. the credit reporting agency is could n't verify the debt w/ the wrong contact information listed

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I had a mortgage loan with XXXX and a second mortgage with XXXX Mortgage. We were in our home ten years and was never late on a payment, not once. I was laid off my job of XXXX years and asked over an over again to refinance. I was told no by XXXX. During this time the payment went up over XXXX dollars because of the type of loan. That is one of the reasons we wanted to refinance the loan before this happened. We were also told you have never missed a payment so they are not going to help you refinance. We used all of our savings to keep things current. We tried next to do a modification and was told the same thing. Once they realized we were going ahead with the modification the loan was sold to SLS, than the problems really began. I started back working at half the salary so it was hard catching up. While processing the modification SLS continued to say they either did not receive documents or they needed them again. This happed every time we would send the documentation, they would say it was received to turn around and say they did not have it. This went on for over a year before they finally said no to the modification. We decided to do a short sell on the home. We have had XXXX offers. XXXX was XXXX short of what they wanted so they said no. The second was a cash offer for more than what they asked. XXXX would not agree to the short sale and kept things in limbo, meanwhile they stated they did not care if we foreclosed on the home or filed bankruptcy. The couple buying the home needed to close soon because she had XXXX XXXX. XXXX would not agree with any option that was put out there so the couple found another home. The next day XXXX called and said they would agree after we made a complaint but it was to late. A week later we received a third offer for over the amount asked. The persons buying the home ask if they can close as soon as possible ( within 45 days ) because they are closing on their home. Now SLS continues to drag and now decided they want more money. How can you keep doing this. It is as if they do n't want to really sell the home. This has gone on now for a year and a half and is affecting my health. They have not returned my calls and know that the family wants to close soon. I am not sure what to do next. We had excellent credit and always say our bills. We would like to sell the home so that we can move on. We do not want it to go the house to go into foreclosure. I will be looking for a lawyer tomorrow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Debt collection (Credit card) with Hunt & Henriques (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The Law Firm of Hunt & Henriques have continue to harass me about a Debt that I do n't owe. They claim it was a judgement againt me since noted has been more that 10years old. I have notified them to cease and desist but they continue and it is causing me undue stress. I am in the process of hiring an attorney to exercise my rights undr the FDCA with fines for this unscrupolous harassment. I need this law Firm -Debt collection investigated and fined because they are violating the law. I never had any contractual agreement with this law firm. I am on XXXX and what this firm is doing is an attempt to take advantage of people like me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Mortgage debt) with Hunter Warfield, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have sent proof of Deletion from the Creditor to XXXX and to XXXX on two accounts that they are refusing to remove. They dispute it and then place it back in collections when the proof had been sent by the Creditors and myself numerous times. The collection is in the amount of {$2600.00} from Hunter Warfield stating " in collections '' " unpaid ''. This account was paid back in XXXX.Date assigned XX/XX/XXXX XXXX XXXX XXXX is the other creditor and it states " collection account '' " seriously past due ''. The amount listed is {$590.00} ( date assigned XX/XX/XXXX and XX/XX/XXXX ) .This account is on all 3 credit bureaus. ( XXXX, XXXX, XXXX ) I have called numerous times to have these items removed from my reports completely and sent the proof via certified mail, fax, and online. I 've spoken with the Creditors themselves who have also sent the proof numerous times. I 've been given control numbers to give to the credit bureaus, but they never let me give it to them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Servicing of my mortgage was transferred from XXXX XXXX XXXX to Nationstar Mortgage on XXXX XXXX, 2014. 
Since that time I have not received any monthly statements. I have had an attorney helping me submit information to obtain a loan modification under HAMP. While we do this, the foreclosure action on my house has been suspended. 
I recently wrote what I believe was a " Qualified Writen Request '' for information. They wrote back providing some answers, but not answers to all my inquiries. 
I have writen to them again, asking for clarification on the interest rate, as they sent me a letter showing it at 9.375 %, which is clearly higher than the XXXX rate plus the 6-month Libor rate, adjusted semi-annually, that the mortgage states as the interest rate. 
I am now asking you to help me obtain this information, as Nationstar has not provided what I need, and I am concerned about getting the information I need.

Company response to consumer: Closed with explanation