milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2016 about Mortgage (FHA mortgage) with Seterus, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I had XXXX in XXXX, told them I knew I 'd become a few months late with payments ( I believe it 's 4 ). They told me we 'd do a modification, not to worry. I filled out all the forms and provided all the documents. The mod arrived in the mail stating a slightly lower monthly payment, a higher int rate than I was already paying ( 3.87 current, 4.0 new ), and extended my mortg from becoming mature in XX/XX/XXXX to XX/XX/XXXX - approx 20 years more! Okay, this seemed crazy for just being behind 4 months. I did not want my mortg extended another 20 yrs, so I asked for a breakdown so I could understand it better. All they gave me was a total payment amount with one including principal and interest and the other was the escrow ( also, they were including my mort payment which I 've always paid through XXXX for over 20 years, and they were adding mortg insurance which I 've never paid in my life ). 
But, simply asked for the breakdown. As of XXXX/XXXX/XXXX on my last conversation with them ( out of approx 10 conversations ) they told me the same thing, that they ca n't let me talk to the loan mod dept person, they are too busy, I have to go through their group of cust serv people. Well, I said that 's fine, but I still did n't get the answers to my letter from XX/XX/XXXX ( as discussed during each phone conversation with them since XX/XX/XXXX ) and there 's no excuse at this point except to think they are doing something wrong and I need to call someone like a lawyer or mediator ( counselor ) to help me. Then someone gets on the phone and says there 's a response time for this type of thing, would I like to know what it is? 
So, I said " really? '' Now, after 2 months, you want to tell me something nobody else has told me on any other previous phone conversation? So, I said " NO! I do n't want to hear it '' at this point there 's nothing he should be telling me that did n't get said in XXXX. Now, I have an appt with XXXX - to meet with a certified housing counselor. I 've been in this house since XX/XX/XXXX. My child was raised here and he 's now XXXX. He just lost his father 2 weeks ago. I do not want to lose my home. I believe they should 've suggested another alternative to save my home since I owed more than it was worth during my last re-fi 5 yrs ago. I still owe more principal that it 's worth, even according to my homeowners insurance co, XXXX, who informed me to obtain a new appraisal. But, I ca n't afford to, according to the city I pay taxes to, whom I had written. If I had known I could n't applied for assistance to reduce the principal, I would 've done so. Now, I believe it 's too late.

Company response to consumer: Closed
Consumer complaint received 06/22/2015 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (MA).
Issue: Closing/Cancelling account

Complaint: I applied for a BBVA Compass XXXX XXXX XXXX credit card in late XXXX, but my account was placed a hold for unreasonable excuse ( due to bank incapability ) on XXXX XXXX, and I was just told it has been closed. During this time, it severely affected my normal life purchases and ruined my legal right to get cash back from sign-up bonus and bank promotion. Also, it will bring potential notes on my credit report, which would be intolerable. 
I hereby request compensation and a guarantee that nothing negative would appear on my credit report, thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Trouble during payment process

Complaint: XXXX sold my loan to Nationstar Mortgage recently. I received a letter ( paper ) with the new, pertinent information ( e.g. new loan number, instructions for setting up an online account etc ). 

When I went to the directed URL online to setup the online account - I was, very surprisingly, redirected to a NEW website called XXXX XXXX. On this new website there is NO mention of ANY affiliation to Nationstar Mortgage. 

Having worked in computer security for over 20 years - I was very suspicious of this website - again, as there was no mention of the affiliation to Nationstar ( a best practice in these situations ). 

I proceeded to setup the account - entering the new Loan number and last-4 SSN. It then took me to a page requesting my COMPLETE SSN. Again - this is HIGHLY suspicious behavior and a favorite trick of scammers/phising/social engineering hackers. 

Not being comfortable at all with providing this highly sensitive information - I called the number listed in the letter - and explained my concerns. They told me the only way to get an account setup was online - and I MUST enter my SSN. 

I find the handling of this entire process - from notification - to website redirection w/ no explanation to the requirement for online submission of my SSN - to be unacceptible - and more importantly promoting a VERY bad practice of training users to randomly enter their SSN into un-explained web sites. 

I am requested that this process/company be reviewed and guidance given to them to allow alternative forms of account setup and verificaiton ( namely Phone )

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Mortgage (Home equity loan or line of credit) with BAYVIEW LOAN SERVICING, LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I received a letter today from ( Bayview loan servicing llc ) They bought my loan from ( XXXX ) in PA they bought my loan back in XX/XX/2016. I have been current on my loan with no missed payments since i took the loan out. The letter states that they will for close on my house in loan is not paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Other transaction problem

Complaint: Hi this incident was happen when I was trying to wiring money from my checking account from Bank Of America to the closing attorney office amount of {$8000.00} for closing on a property. 
After, I was done wiring the money and I call attorney office who prepared the document for closing on my property in a bout five minutes later and they said they did not see money pending on their account and I was waiting another 5 minutes and call the closing attorney office again and they still did not see the fund came through at that time a lady from the attorney who was prepared for closing on this property for me told me to go right back in the Bank of America to cancel the wiring process and they were able to stop that wiring transition at that time we found out that the money went to the account of some one name XXXX XXXX XXXX who have account in XXXX XXXX XXXX at address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX us and this was not the account we expected our money going into and I called to report the fraud on that wiring to the Bank of America at XXXX and they were able to stopped transection and had the the case # XXXX on this incident, and I ask a lady who perform the wiring for that when can I get my money back in my account and she told me it should take 24-48 hours and more then 48 hours went back to the bank of America to let them know I still did not have the refund from that wiring and bank of america told me that XXXX needed Hold harmless letter from me and I did as they instructed me to do to the hold harmless letter to : XXXX ( incident report department ) XXXX XXXX XXXX XXXX XXXX TX XXXX and also fax that letter to XXXX XXXX ( ref : XXXX ) as they instructed, more than tree weeks later and I have been going back and forth between Bank of America and XXXX and I have been calling XXXX XXXX ( BOA ) and XXXX XXXX ( XXXX ) and I got no help and they told me they can not even talk me direct on this mater and this is my money and they can not talk to me about this when I try to check on status of my money I am very frustrated at this point and needed help desperately. 
thanks

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 06-01-2016 about Payday loan () with Big Picture Loans, LLC (OH).
Issue: Charged fees or interest I didn't expect

Complaint: When i took loan out i wasnt told the interest rate just that it was like XXXX interest fee that i agreed to and now they keep calling saying they are going to sue me and be home at this time so they can serve me legal documents to sign this is from castle payday loans online in ohio

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: Issue : PMI Removal Our home loan was originated with Wells Fargo in XXXX XXXX with PMI. In XXXX XXXX, we submitted a request for PMI removal and received a letter instructing us of the various options. We decided to complete an appraisal and paid the fee out of pocket, but the value came in low. We filed an appraisal dispute and our claim was not approved. Recently, we inquired in XXXX XXXX to remove the PMI given our home has appreciated. We were sent a letter with the same options. We decided once again to pay for the appraisal. The reported value, XXXX showed we are now under the 80 % loan to value and can remove the PMI. Two weeks later, we received a letter stating we can not remove the PMI since the LTV must be 75 % or lower. Our request was denied. 

Recently, I was informed that a unit XXXX # XXXX XXXX in our condo was refinanced by Wells Fargo and the appraisal was XXXX, closed in XXXX XXXX. My appraisal of XXXX was completed in XXXX XXXX. The units are identical in size and dimensions with no upgrades. Furthermore, the unit owner was employed by XXXX as well.

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 11-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I currently have a complaint being addressed by your organization regarding Capital One. I recently learned that regardless of the XXXX phone calls I have initiated since XX/XX/XXXX with Capital One, they continue to perpetuate this process. A few days after I made my last call to Capital One, and after they failed to return my calls after XXXX separate requests which forced my hand to file my complaints with the state of XXXX and XXXX offices of the attorney general - Capital One sent yet another letter to the address in XXXX, which I requested and demanded they remove from my account two weeks and XXXX calls earlier and had informed them on XXXX previous calls that I currently had a credit card open with Capital One which had a present address in XXXX. This last letter indicated to the individual at the address in XXXX that attempted to open the account in my name, to please contact Capital One as the account was temporarily on hold and they needed to speak to the card holder prior to moving forward with activating the card. You can imagine my newly found frustration with this process, as I have been informed by at least XXXX different people and XXXX additional managers at Capital One that the card and the account have been deactivated, yet letters that have been sent to the address in XXXX dictate otherwise. 

I will be gaining access to all of the information and sending them your way ... 

Thank You,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Never made deposit available. Claims check was returned. My XXXX XXXX report shows no negative reports. No checks reported as returned

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 09/29/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Earlier this year my husband and I refinanced our townhouse and opted for a cash out. XXXX XXXX XXXX XXXX mailed FedLoan Servicing XXXX checks dated XXXX/XXXX/2016 - XXXX for {$930.00}, the other for {$9500.00}. I logged into my account on XXXX/XXXX/2016 to check the status of the checks and saw that XXXX checks had been posted to my account as of XXXX/XXXX/2016, but that there was a remaining balance owed of {$17.00}, which I paid online and saw I had a {$0.00} balance. I logged in again on XXXX XXXX, 2016 ( the beginning of the new billing cycle ) to see if there was any further amount due, and my account was still at {$0.00}. This past Monday ( XXXX/XXXX/2016 ), I received an email saying I had a past due amount. I called the XXXX number and was told that the bank had sent a stop payment request for the check in the amount of {$9500.00} on XXXX/XXXX/2016 and that the money had been reversed from my account and the check returned to them ( 15 days after I made my last payment on XXXX/XXXX/2016 ). I logged into my account again, and saw the Paperless Inbox. I opened it and saw that there was a letter posted on XXXX/XXXX/2016, saying that there was an error with the payment, it had been reversed and the check returned to the bank. I was NOT previously notified about this letter, and there was nothing to indicate that I had unread documents in the Paperless Inbox. Our title company said that they had not received the check from FedLoan Servicing and requested a stop payment on the check effective XXXX/XXXX/2016. They confirmed that the bank had NOT issued a stop payment request on this check prior to this date. They are issuing a new check in the amount of {$9500.00} and will mail ASAP. Because of this, as of today ( XXXX/XXXX/2016 ) my account has accrued {$340.00} ( compounded daily ) in interest charges. In order to have this interest waived and/or disputed, I was referred by a FedLoan supervisor to the US Dept. of Education. She told me that she would be sending me something in writing for my records, and would send my case to the financial group for review. I 'm not sure if this has happened. I have contacted the US Dept. of Education, the Federal Student Aid Department, and the FSA Ombudsman Office to file a dispute with them ( which I have done ). I was told by someone at the Ombudsman Office that the FedLoan Paperless Inbox has been an issue for other consumers as well. I 'm still in the process of having this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Pulled my credit and seen a hard inquiry from a company I do n't know what it is and I never got nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (TN).
Issue: Trouble during payment process

Complaint: BayView Loan Servicing purchased and/or received our loan from XXXX XXXX on XX/XX/XXXX. BayView has been attempting to collect payment from us dating back to XX/XX/XXXX, although the loan was not theirs to service at that time and our payments were made ( which we have documented proof of ) to XXXX XXXX up until we were notified by XXXX XXXX on XX/XX/XXXX that the account would then be serviced by BayView. BayView also violated mortgage law by not informing us of the change of loan servicing until XX/XX/XXXX ( also documented ). According to law, they are required to notify us at a minimum of 30 days before the loan servicing changes hands, which they failed to ever do. The fact that they are : a. attempting to solicit funds for a period of time that they did not have legal right to the servicing of our loan and b. failed to maintain the legal 30 day notice of loan servicing change notification, BayView has violated state of Tennessee and federal mortgage loan laws. BayView has now began threats to foreclose on our home that is, documented, as being up to date on all payments and the error being on their side in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Company LexisNexis has multiple inaccurate criminal and motor vehicle background reporting for my records in the state of Connecticut. I have contacted them via phone and email communication starting X/XX/2017. During my contact I established ticket ID # XXXX. I also at the same time email over a copy of my FBI National Identity History Summary Check and also a CT State Police fingerprint supported background check. I have received no response from the company after multiple contact attempt, last of which is on XX/XX/XXXX. Please help me as this inaccurate record would hurt my current Job seeking abilities and is a time sensitive issue. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CAVALRY INVESTMENTS, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from Calvary Portfolio. I had previously disputed this account. I have never done business with Calvary Portfolio. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Calvary Portfolio provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Calvary Portfolio Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I put a XXXX  XXXX and a Fraud Alert on my credit reports, we 're military and move a lot and my information has been compromised and used before. I called Equifax to tell them I did n't authorize a few inquiries on my report, and that I needed them to validate the inquiries to prove that I did n't authorize them.! Equifax originally told me they would erase the inquiries, however there still on my report. I want them removed immediately. The inquiries are as followed. XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX on several different occasions XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: After numerous attempts to resolve this situation, I have no other option but to seek outside assistance with this matter. I have contacted both Transworld Systems Inc and  XXXX , only to be told that the account was " Verified '' by the creditor. When I inquired into WHAT METHOD was used to verify the account, as well as WHO " Verified '' it, I have yet to receive a response. I am a victim of Identity Theft, who is desperately trying to get my LIFE back to some form of normalcy after going through this chaos for the past few years. I have been in constant contact with the Credit Bureaus since  XXXX  of   XXXX  . Transworld Systems Inc is claiming that I owe a debt of {$35.00}. I have NO recollection of this debt, and would greatly appreciate any help in rectifying this discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is several credit card accounts on my credit report that I never applied for or used. An XXXX card, a XXXX card, XXXX called XXXX and the info for my XXXX card is incorrect

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I ran my credit report with trans-union and notice this XXXX account is still showing on my report. I 've spoken to XXXX and received a refund, for not only not having a balance but also because I overpaid for my procedures. Please contact Customer service Suspervisor XXXX XXXX phone number : XXXX XXXX XXXX XXXX. I will attach the emails where she states I was owed a refund and this account should of never been opened for that amount in the first place. XXXX has been paid in full satisfactory. Please contact her to confirm and remove or change the status of my account to " close paid in full ''. THank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name, address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law the discharged/dismissed Chapter XXXX bankruptcy listed does not include this information and should be deleted from my credit report

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