milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/27/2017 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Struggling to pay mortgage

Complaint: My husband XXXX XXXX a little over a year ago. He was listed as the borrower on a 2nd mortgage with Bank of America. I was never listed on any loan documents but he did add my name to the deed years later. The house is currently underwater and my real estate agent is trying to help me resolve the issues and short sale the property. Because I was added to the deed, I understand that I might have tax liability for the property if it is foreclosed, so I chose to sale instead. Bank of America is requiring me to send them financial information so they can do a loan modification and make me responsible for a loan that I cant afford. Even if they modified the 2nd loan, I cant afford the 1st. I moved out of the property because I could no longer afford to live there. They are claming that new CFPB regulations require this process but I do n't think I should have to send a debtor ( that I dont have a debt with ) my financial information for them to review and then potentially report negative information on me for not being able to afford it. My husband made a lot more than I did and now that hes XXXX I had to leave my home. Bank of America is taking advantage of my misfortune. FYI- the first loan has agreed to the short sale after completing a streamline process that did not require me to send any of my personal financial information.

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 05-08-2017 about Debt collection (Mortgage debt) with WELLS FARGO & COMPANY (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I am the trustee for the trust of XXXX XXXX XXXX who was the last surviving borrower on a reverse mortgage serviced by Wells Fargo Bank before she passed on XX/XX/XXXX for her home located at XXXX XXXX XXXX, XXXX, Ca. XXXX. Wells Fargo 's Loan ID # is XXXX and Loan Acct # is XXXX. On XX/XX/XXXX, Wells Fargo provided us with written notice of our rights and obligations and specifically indicated that Youll have up to six months to purchase or market and sale the property. This calculates to XX/XX/XXXX. As they requested, we also provided Wells Fargo with copies of the deceaseds death certificate, the trust agreement and an intent letter that indicated we were going to sale the property. Wells Fargo acknowledged receipt of these documents by letter dated XX/XX/XXXX. Based upon that written representation, we renovated the house and put it up for sale and it is set to close on XX/XX/XXXX. The problem that we seek your assistance on is that despite our protests including that the house had sold and was in escrow, in XX/XX/XXXX Wells Fargo referred the property for foreclosure. After further protests, Wells Fargo agreed to not take any formal legal action. We assumed that this ended the matter, however, Wells Fargos attorney is now charging us {$900.00} in legal fees relating to the foreclosure. We have had numerous conversations with Wells Fargo personnel about this matter including today with XXXX XXXX of Wells Fargo at ( XXXX ) XXXX XXXX. He has defending the foreclosure action and has refused to reverse the legal fees stating that HUD guidelines required them to start foreclosure 120 days after the last borrowers death and furthermore they didnt have any duty to notify us of this requirement ( which they did n't until after they referred the matter to foreclosure ) and that it was our mistake to rely upon the representations in their XX/XX/XXXX letter which gave us until XX/XX/XXXX to market and sale the property. The facts support that Wells Fargo has refused to comply with the very specific repayment terms that they provided in their XXXX XXXX XXXX letter, have fraudulently and arbitrarily changed those terms without providing any prior notice and instituted foreclosure proceedings prior to the date that they specifically provided as the grace period before the debt became due and payable, namely on XXXX XXXX XXXX. This fraud caused tremendous XXXX XXXX XXXX XXXX  plus hours of my time to seek their agreement to cease these actions and has causing the above mentioned legal fees to be billed to XXXX XXXX estate. Please investigate this matter on our behalf because Wells Fargo 's actions are dishonest and I think fraudulent.

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 09/26/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (AL).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX my husband and I purchased a XXXX mortgage for the amount of {$50000.00}. At some point GMAC mortgage notified us that they has purchased our loan. They sent statements and we paid. When I became ill I spoke to them and they reduced our interest rate to XXXX. GMAC mortgage filed bankruptcy in XXXX of XXXX. 

We had our first experience with Ocwen when we received a certified letter threating foreclosure. I called and gave them the account # and they could not find an account for us. I called back a few weeks later and was told again they were going to foreclose on our home. We were never told they had bought our mortgage. 

We were very behind and I was sick. We made payments. The statement also shows our principal balance of XXXX was XXXX. With a XXXX interest rate. That was the last statement I got from them after to class action law suit. When we checked our credit report it showed written off to chapter XXXX bankruptcy which we assumed the lien would be lifted as per the law. 

In XXXX on this year we tried to refinance our home with XXXX XXXX and everything was going great until a lien showed up on our home for {$46000.00}. {$4000.00} less than we took the loan out in XXXX. They also sent this letter stating we needed to contact them after XXXX got in touch with them. They do not understand why it is written off to bankruptcy and there is still a lien and neither do my husband and I. His credit score has dropped from XXXX when we started with XXXX down to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My apartment charged a break-lease fee ( ~ {$1200.00} ) and turned it over to a collection agency, as they apparently do n't have an accounting department. The debt was paid in full and the account was closed. It is a significant derogatory mark on my credit report and I request that it is closed as it is negatively affecting my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Consumer Loan (Installment loan) with TD BANK US HOLDING COMPANY (CT).
Issue: Managing the loan or lease

Complaint: This is my second complaint. TD Bank continues reduce my credit limit after I make large payments. My credit limit was originally approved for {$8000.00} then reduced to {$5000.00} now it is reduced for {$4000.00}. 

I am being penalized for paying off my loan early. In addition, they do not communicate the change in credit line on my statement, in a letter or email. In fact they have removed my credit limit line item on my statement. It always states zero now. 

They are negatively impacting my credit score when in fact it should be positively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (AZ).
Issue: Taking out the loan or lease

Complaint: Received a letter from the company stating my dispute was frivolous and I explained that this debt is not mines.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: In light of the XXXX hack, I feel I should be able to freeze or otherwise restrict access to my credit report at all reporting companies completely for free, and at my own discretion, now and forevermore. Paying even a nominal fee for this service is unconscionable in light of the gross misuse of my data.

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 08-06-2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have requested that this creditor provide the validation of the account they are attempting to collect on and they have not done so. I requested this to be done on XX/XX/2017 and I have not received any correspondence as of yet. It has been approximately 113 days. The collection amount is listed on my credit monitoring site for {$150.00} and I was never made aware of such debt in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Bank account or service ((CD) Certificate of deposit) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: My wife and I are senior citizens own a significant jumbo Certificate of Deposit with BBVA Compass bank in XXXX XXXX Texas with a term of 16 months paying 1.21 %. We received notice on XXXX XXXX 2016 that the CD would automatically renew with a new interest rate unless we advised them differently. The letter advised us to call them on the date of maturity or within the 10 day grace period and they would adise us on the new rate. So the required action was with us. 
We forgot to take action by the time the CD matured and the grace period lapsed. When we did remember, we discovered that our previous rate of 1.21 % was replaced with a rate of .2 %. We complained to the bank manager and he stated that he would talk with the regional manager to see if the rate could be adjusted. The next day he advised that my request was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Medical Data Systems, Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XXXX I noticed an item was placed on my credit profile for a medical bill that was never brought to my attention. MedicalRevenueService ( {$750.00} ) I was never sent a bill, never was notified that I owed this money. As per my report it states it was a bill from XXXX/XXXX/XXXX in which I did n't even visit the hosipital at that time. I want this item removed from my report as I have no Knowledge of the account nor was I even notified that this was being inserted onto my credit. I opened a Credit dispute on this issue with XXXX  XXXX/XXXX/XXXX. I am awaiting the results.

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 05/16/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: my parents mismanaged and froged signatures along with opening up and sending me my mail causing it to go down. XXXX fired 3 days notice and stopped of XXXX poayments 3 days niotice XXXX 2016

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 02-01-2017 about Credit reporting () with Franklin Collection Service, Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Franklin Collection Service remove paid accounts from my credit report then put them back on

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (Federal student loan) with AES/PHEAA (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I CONTACTED THIS COMPANY REQUESTING VALIDATION REGARDING THIS DEBT, THE ACCOUNT AND THE INFORMATION REPORTED ABOUT THIS DEBT. THIS COMPANY NEVER RESPONDED TO MY REQUEST OR SENT VALID DOCUMENTATION TO VALIDATE THIER CLAIM. THE COMPANY NEVER GAVE ME AN OPPORTUNITY TO DISPUTE THIER CLAIM AND THE NEGATIVE INFORMATION THAT THEY HAVE REPORTED TO THE CREDIT BUREAUS. FIRST OF ALL THE INFOMRATION THEY HAVE REPORTED IS TOTALLY INCORRECT ; THIS ACCOUNT IS NOT IN IS NOT CURRENTLY IN BANKRUPTCY, AND IT IS CURRENTLY IN A WAGE EARNER PLAN WHICH IS INACCURATE INFORMATION ON MY CREDIT FILE.THE CHAPTER XXXX BANKRUPTCY WAS DISMISSED IN XXXX AND ALL OF MY LOANS ARE CONSOLIDATED WITH ANOTHER LENDER. THIS ACCOUNT IS NOT IN BANKRUPTCY AS I HAVE DISPUTED WITH THE CREDIT BUREAUS. THE CREDIT BUREAUS CLAIM THAT THIS COMPANY VERIFIED THE ACCOUNT AND INFORMATION AS ACCURATE AND I WOULD LIKE TO KNOW HOW. I WOULD LIKE TO KNOW WHAT DOCUMENTATIONS TO THEY HAVE TO VALIDATE THIS ACCOUNT AND TO VERIFY THAT THE INFOMRATION THEY HAVE REPORTED TO XXXX IS ACCURATE. BY LAW THEY WERE SUPPOSED TO RESPOND TO MY REQUEST AND VALIDATE THIS INFORMATION WITH COMPETENT EVIDENCE AS I SENT THEM A LETTER VIA XXXX MAIL AND NEVER RECEIVED A RESPONSE. THAT IS A VIOLATION OF THE FAIR CREDIT COLLECTION ACT, AND THE FAIR DEBT REPORTING PRACTICES ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX/XXXX/2016 I XXXX XXXX sent Experian via fax an Identity Theft Report stating that there were items on my credit report that were due to Identity Theft, along with identifying documentation, I stated clearly that the information is not information relating to any transaction by the consumer. I demanded an Identify theft block in writing. FCRA 605B ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I reported the alleged Identity Theft to the FTC and forwarded to the CRA this report and Affidavit. I spoke with local police and was informed that they did not have jurisdiction since these transactions happened online and in some cases in a foreign countries. I was not allowed to file a police report. I received a letter from the CRA stating that they were doing a standard reinvestigation of the accounts. They have no basis to do this. The CRA has locked me out of my credit report even though as a victim of Identity theft I have a legal right to my report. They are in clear violation of the FRCA and a simple google search will show that they routinely deny consumers there rights under federal law.

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 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX, XXXX was being reported on all 3 of my credit reports. On or about XX/XX/XXXXI disputed this item with all 3 credit reporting agency and on or about XX/XX/XXXX XXXX XXXX was deleted from all 3 credit reports. Now we are in XX/XX/XXXX, XXXX XXXX, XXXX is now being reported again

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 09-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I was a student at XXXX XXXX XXXX.before they changed the name to XXXX in XXXX Fl the school had falsely advertised being able to transfer your credits and would assist with job placement. Unfortunately while i was there not only did i find out through going to an internship program that the school was not accredited and through XXXX XXXX XXXX who advised they would not accept any of the credits but throughout all of this horrific experience not only did i waste my time but everything came to a sudden end when the schools Dean was convicted on embellishment charges. everything came to an end and the school had closed down. So all the students left with nothing no graduation no confirmation to what we should do because I could not transfer any where because no other schools would accept or take any of the bogus credits. i regret ever going to this school if only i had known the true outcome because now they keep charging me to pay all of these fees and i have been dealing with serious health issues from XXXX XXXX XXXX XXXX which at times i cant walk and XXXX in my hands including XXXX. I have been in and out of hospitals for years and have not been able to work i am struggling have dealt with evictions had to get help from XXXX XXXX who paid my rent if they people in the church are not helping me i receive food stamps as well. they never offer a way to just pay what i owed when i was in the school i never went to XXXX i was shocked when they reopen under a different name. i am being overly charged all these rates and i do not know what to do they call every day early in the morning late at night on the weekends its insane and i never gained the education i thought i would jut an over exaggerated bill.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On Tuesday XX/XX/XXXX I was alerted by my husband that all of our funds from the joint checking account which I am not the primary account holder was missing over {$400.00} that was auto transferred to another account. I immediately logged into my online account and noticed that Bank of America decided to cover a charge from XXXX that was not authorized and saw a long line of fees that the bank was trying to charge me. I was already in the works of disputing other XXXX charges and was not alerted of this transaction. I have called multiple times to get this resolved to no avail. either I am put on hold for long wait times or am told that the account is set up with overdraft protection, which it is not because I have logged in and saw that was false information by the .customer rep. The two accounts are not linked and now I am without money for my child 's daycare because someone at BOA decided they were going to make a deposit on my behalf.

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 11-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: In the course of Bayview Loan Servicing activities, Bayview Loan Servicing has engaged in the following acts and practices : XXXX ) Failure to timely and accurately apply trial modification payments made by borrowers XXXX ) Failure to maintain accurate account statements XXXX ) Failure to timely and accurately update automated system with timely, accurate information and accurately applied payments and accurate account payment dates, accurate account On XX/XX/XXXX, we made our forth trial modification payment for the month of XX/XX/2016. Although Bayview Loan Servicing had been notified regarding their automated system in a previous complaint, Bayview Loan Servicing 's automated system has continued to provide the wrong information on our account for XXXX months. Bayview Loan Servicing 's automated system states " Your next agreed upon payment for {$1900.00} is past due as of XX/XX/2016 ''. ( Please listen to exhibit D ). Bayview Loan Servicer is the servicer of our loan and is responsible for the servicing activities on our loan, which generally include collecting payments from mortgagors ; applying payments made in an agreed-upon order and in a correct order free of errors to the mortgagor 's indebtedness. Bayview Loan 's Servicing LLC 's failure to timely and accurately apply payments made by borrowers and failure to maintain accurate account statements and failure to maintain accurate automated system information has resulted in unlawful conduct that has caused injuries to the borrowers. The harm sustained by borrowers includes payment of improper fees and charges as well as psychological and emotional stress. Bayview Loan Servicing LLC 's failure to timely and accurately apply payments made by borrowers combined with failure to maintain accurate account statements and failure to maintain accurate account statements/recordings for the mortgagor through the automated system constitutes unfair or deceptive practices in violation of the consumer protections laws of the State of XXXX. ( See Exhibit A, Exhibit B, Exhibit C, Exhibit D, )

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Credit reporting () with EQUIFAX, INC. ().
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have been trying to get my credit information for 4 day in a row. I have been on every site and even called customer service who told me to go one the sites and try again so I did .. but the same information came up .. can not authenticate .. so my wife tried to get hers and it said the same thing.. I talked to customer service again .. having a hard time understanding them and asked them why do n't they have access to any of my information and they said they were not equipted .. I think that it is very stupid to have a customer service department that can only advice a person to do the very thing that they were doing in the first place..I think that it is very bad practice by those companies that tells people they can get their credit information on line for free .. it is a false statement or in my own words a bunch of XXXX.

Company response to consumer: Closed with explanation