milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit decision / Underwriting

Complaint: I was recently denied a refinance on my present mortgage by Bank of America. 
They claimed my debt to income ratio was too high. That may be so but they dragged out the approval process over two months. I paid for an appraisal after underwriting started. The loan office told me I could get a refund on the appraisal if my loan was denied. Now he is telling me I ca n't get a refund because services were rendered. Bank of America 's entity called XXXX made XXXX separate credit inquiries into my credit over the two months, and then demanded a letter explaining why my credit had received so many inquiries!

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 09-03-2016 about Consumer Loan (Installment loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Taking out the loan or lease

Complaint: I have paid my boat loan in full and Santander Consumer and It 's been several months and I have not received the title for my boat, motor, and trailer. I called Santander and they claim that they mailed it, but that is a lie. I have been checking my mailbox daily and I have not received anything. They are asking that I get a lien release or duplicate title at my own expense by going to " XXXX '' which is not even affiliated with them. I tried obtaining the lien release at that website and could not get it done. There is no phone number listed on that webpage so I can speak with someone either.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: The compliant is with Citibank whom I never open an account with Citibank since  XXXX , and never in the past sent me any statement all this years until late  XXXX . All the sudden, Citibank contacted me that I owed them over 10 thousand dollars due to interests when Citibank buyout Costco 's American Express account back in  XXXX . Also, in my credit report for all the years, Citibank never reported I own it any money since  XXXX . In  XXXX , Citibank ruined my credit report by making fraudulent report to credit bureau that I owed them   XXXX    dollars past due. Late  XXXX , we asked Citibank to do investigation for potential ID theft. Citibank never provided investigation result, nor asked us for the proof. I have in procession the statement from American Express back in   XXXX   with   XXXX   balance after paid off the  XXXX  before I called American Express to close the account, and the Costco closing statement in  XXXX  showing I have a credit of   XXXX   XXXX  .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I tried to dispute these items thru Equifax but Equifax would n't allow me too.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: After numerous attempts to rectify this issue with both the company and credit report agencies, the final result is my credit report now has absolutely false information. This has just jeopardized my application to an apartment that I was attempting to move into by the end of the month. How can I be reported as 55 ninety day late payments, on an account that was open for approximately 6 months? As a Financial Advisor at a not for profit, I understand a phrase or XXXX being different but factual figures of what is " owed '' should be consistent. Further, how can someone be " late '' on an account that is open for 6 months, ( which equals roughly 180 days ) 55 times at a rate of 90 days each time? Did that get you confused too? That would mean I had a contract with them for roughly XXXX days. So that would mean I was late everyday for 3 years straight. Can someone please tell me with a straight face that this is fair? 
It seems this organization is maliciously attempting to sabotage my ability to access credit which may have stemmed from a previous attempt to rectify this account via the validation method allowed by NY State 's Fair Credit Reporting Act. Their actions if I am not mistaken, are a complete violation of this Act. I have attempted to work with all the companies involved to correct this situation but it only has gotten me in worst of a predicament. I am now in a position where I may not have a place to live since I have to now explain this situation, which I can not, to the apartment management company who has just seen this on my credit report this week.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (SC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: This is the complaint I sent after 3 months trying to resolve with Chase : Cardmember Services Chase CC XXXX XXXX XXXX XXXX, IL XXXX To whom it may concern, I have been a Cardmember for years, paying thousands in interest into Chase,  and recently, back in XXXX, I paid my card off completely, trying to improve my credit score. I paid something over {$1700.00} at the time. {$0.00} balance. I had not been looking at statements for some time, mostly lazy. With a XXXX balance I noticed that I was being charged by two companies for nearly two years, roughly XXXX 2015 timeframe, after I closed my accounts with them ; XXXX and XXXX. Heck, Ive been married now for over a year and a half. I submitted an inquiry through your secure email system and was told I would not have to make any payments while disputed. A few weeks ago, I saw my credit score and it actually went up, and I had a late payment due on my Chase card. I am very surprised that such an organization is capable of such a thing. I just paid {$130.00} on my {$0.00} balance card so that Chase would not further damage my credit. That sounds kind of wrong doesnt it? Let me say that again : I paid {$130.00} on my {$0.00} balance card. Criminal in my mind. I am requesting the following : 1. reimbursement of the {$130.00} I just paid, which includes late fees and interest charged on a {$0.00} balance account, a practice I also consider criminal 2. discontinuance of any payments to XXXX or XXXX 3. I want letters sent to the three credit reporting agencies clearing this recent blemish created by Chase 4. I would like a letter of apology for the unnecessary grief caused by an uncaring mega bank I am a 25 year XXXX XXXX XXXX, and a veteran of XXXX tours to XXXX, and dont appreciate being treated this way. Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a collection account recorded on my credit report that is not mine, and was opened by someone using my name. I have reported this and spoken on the phone with representatives, who can verify that I have NEVER had this account with  XXXX . They will not confirm whether or not this has been removed from my credit report. When I try to check on the status online, I get a message that I am not allowed to view my dispute status online, without any explanation. I have never done any business with  XXXX , nor have I lived at the address where the original debt occurred. I disputed in    XXXX   XXXX   XXXX   and  my dispute case disappeared. I disputed  again in   XXXX   XXXX   and th is company will not let me check the status of the dispute online, and they have not responded to any emails regarding this fraud on my credit report.      XXXX  has investigated and removed this right away.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XPN report : XXXX I recently applied for a home loan, and the lender obtained a copy of my Experian, XXXX and XXXX credit histories and shared it with me. I then obtained a copy of my Experian consumer disclosure to better understand the report. I have now seen there are a number of inaccuracies in my report. 

There are a number of items appearing only on Experian, which have long been purged as obsolete from XXXX and XXXX, since the date of original delinquency is more than 7 years ago. Specifically, these items are : ( XXXX ) tradelines from the Florida Department of Education, collection in nature, partial account number XXXX and XXXX ; ( XXXX ) tradelines from XXXX XXXX, partial account numbers XXXX and XXXX. 

There is also a tradeline from XXXX XXXX XXXX, which shows positive payment history and is reported as " disputed. '' This is erroneous and the information is not disputed. The " disputed '' comment should be removed.

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 07/13/2016 about Debt collection (Credit card) with WINN LAW GROUP, APC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I WAS SUED AND THE LAWFIRM SERVED A MINOR. WITHOUT KNOWING MY RIGHTS, I OFFERED TO MAKE MONTHLY PAYMENTS ON WHAT I BELIEVED I OWED. SINCE THEN, THE LAW FIRM CAN NOT PROVE WHAT I OWE AND WHAT MY ACTUAL BALANCE IS. EACH BALANCE THEY ATTEMPT TO GIVE IS SUBSTANTIALLY DIFFERENT INCLUDING THE BALANCE THEY SUBMITTED ON A BANK LEVY. I BELIEVE I MAY HAVE MORE THAN REPAID WHAT I OWE BUT WINN LAW GROUP INSIST THAT JUDGEMENT INTEREST IS THE REASON MY BALANCE KEEPS DOUBLING. THERE IS NEVER A CONSISTENT RENDITION OF WHAT I OWE NOR HAVE I BEEN PROVIDED A LEGITIMATE ACCOUNTING DESPITE MY REQUESTS FOR SAME.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Managing the loan or lease

Complaint: I have requested a payoff ad nauseam to a avail. I continue to get voice mail. I have left VM for the telephone office ... 
Springleaf Financial Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I even applied for a new loan ... no answer ... no once has called me. I am okay if not approved but I still need a payoff. A simple call back would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Bank account or service (Checking account) with RABOBANK, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: on XX/XX/2016 ACH DEBIT XXXX XXXX XXXX was overdrawn and charged {$35.00} for NSF. AFTER THAT CHARGE ALMOST ALL CHARGES WERE GETTING OVERDRAWN MOST OF THEM XXXX OR XXXX I TAKE TO WORK AND BACK HOME. XXXX CHARGES TIMES {$35.00} TOTALING {$560.00}. I ATTEMPTED TO ADD CASH TO MY ACCOUNT WHEN I NOTICED WHAT WAS GOING ON. RABOBANK ALSO STARTED CHARGING MY ACCOUNT OVERDRAFT FEE FOR CONTINUOUS OD XXXX XXXX TOTALING {$25.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TX).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I do not know the actual legal name of the person contacting me, but they are leaving voicemails saying they will serve me at my job or home with court documents and if i am not home will deliver the papers to my supervisor. I do not authorize such actions and i do not agree with this debit. I have no signed contract with this company, and they have failed to provide me with a signed contract i have with them saying i agreed to this debit with their company directly.  Ad Astra  refuses to VALIDATE this account. I received no documentation validating this debt as legally requested The right of subjugation does not exist for a stranger to the transaction.  73  AmJur  2nd, Section 90.  This company is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Where are the documents that you used to verify/validate these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.  Black 's Law Dictionary, 9th Edition, 2009,   defines  " Verify '' as, 1 )  " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. ''  2 )  " To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and "  Verification ''  as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have  1st h and knowledge of the alleged accou nt ( s ) an d all that has ever transpired for the alleged accou nt ( s ) , under oath and under the penalty of perjury. As I am sure that you are well aware, curre nt Federal case  law states th at, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on  and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a  " Reinvestigation '' tha t merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations impose d by 1681 ( a ) ( 4 ). This is a request for VALIDATION. Provide me proof I have a signed contract with your company . Also provide every single debt statement i had through the course of the said account. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Ocwen has stated we are responsible for paying for " XXXX XXXX Mortgage XXXX '' even when that information was never disclosed in the HAMP documentation we signed last year. Our estimated escrow amount was {$1400.00} at the time we signed our HAMP documents. When Ocwen re-analyzed our escrow monthly payment increased to {$1500.00} to make up for the mortgage shortage for property taxes and homeowner 's insurance XXXX XXXX XXXX XXXX. Per Ocwen 's website, we are responsible, as the borrower, for paying for " Lender Paid MI ''. 

Our original lender paid for the mortgage insurance to XXXX XXXX beginning in XXXX XXXX and we have never paid for mortgage insurance as the borrower. In the documentation we have received from XXXX XXXX and Ocwen of our escrow payment breakdown, it was never disclosed to us that we were responsible for paying for the " Lender Paid Mortgage Insurance ''. We were told escrow payment included property taxes and homeowner 's insurance. 

The MONTHLY payment amount of the mortgage insurance is {$480.00} per XXXX XXXX and loan amount of {$750000.00}. Servicer on the loan per XXXX, is XXXX XXXX Bank. Per Ocwen 's website, annual payment for Lender paid MI is {$620.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (DC).
Issue: Loan modification,collection,foreclosure

Complaint: My home was foreclosed in 2014. Nationstar mortgage company has continued to want payment on XXXX Mortgage though the XXXX mortgage no longer exists. I have written them 2 times, and emailed them as well to resolve the issue and offer a payoff amount. They finally sent a letter back that I received on XX/XX/XXXX stating that they are looking into my request for a negotiated payoff. In addition to the first issue of paying off the XXXX mortgage, I also have a company named XXXX and XXXX that is stating that they took over the portion of the foreclosed loan from the XXXX mortgage that was left over after the foreclosure sale took place ( approximately {$170000.00} ). I need Nationstar to verify that Nationstar mortgage has authorized XXXX XXXX XXXX to act as debt collector and that I owe a balance of $ over XXXX on the first mortgage that went into foreclosure at my home located in XXXX. The letter sent back to me from Nationstar made no mention of nor did it answer to my request to get verification of this other debt collectors authorization to collect this debt since from what I know, once a foreclosure has taken place, I am no longer responsible for the foreclosed loan. I have also called Nationstar numerous times about settling the second debt and getting clarification on what if any, amount I owe on the XXXX mortgage after foreclosure. Whenever I call, the customer rep attempts to get me to make a payment on the XXXX loan and tells me to call another department regarding my questions. It has been a nightmare trying to communicate with Nationstar since we had initially agreed to do a deed in lieu to avoid foreclosure and without direct notice to me, Nationstar decided to put the home in foreclosure when it would have been very easy for me to do a short sale if the deed in lieu process was no longer an option. I spoke to a housing agency that helps consumers try to avoid foreclosure and they mentioned that they have never heard of another company like XXXX XXXX XXXX take over as a debt collector on a home that has already gone into foreclosure and continue to attempt to collect on and claim that I owe a balance of {$170000.00} on the first mortgage that went into foreclosure at my home. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received a copy of my credit report XX/XX/XXXX and realized that there were a few mistakes One in particular from XXXX XXXX who has reported that there was a late payment XX/XX/XXXX. 

1 ) I contacted first progress in XX/XX/XXXX and XX/XX/XXXX via phone and was told I must take up the matter with the bureaus and was not able to get an explanation or additional information 2 ) I Disputed this late payment via certified mail to all 3 credit bureaus in XX/XX/XXXX. It has been over 30 days and have not received any correspondence thus far.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2016 about Debt collection (Auto) with Rubin & Rothman, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX forwarded a alleged debt to a attorney to collect and file a judgement against me when the alleged debt was never owed. When a full analysis of my account was conducted payments was not posted to the account. Nor was the correct amount of payments made by XXXX XXXX was posted to my account. Payments was misapplied and not applied at all. Interest accrued on non posted and incorrect payments which caused a on going balance of XXXX %. Went to court filed a motion submitted supporting documents, motion was still denied. A judgement is still being filed after receipts from XXXX XXXX were submitted.

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 07/28/2015 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I went to sign in at annual credit report .com and in order to get all three reports i have to answer XXXX questions per a report. XXXX XXXX was fine. The next report I tried to get had XXXX questions, the XXXX question stated I had a mortgage and a loan amount. I do not have a mortgage and no monthly payment. The XXXX time I tried I selected the option ( none of these ) I failed to get in. Then I tried again and got locked out. I can not get my credit report because a mortgage with an unknown bank is on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-12-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: i am currently unemployed and can not make payments on my private loans. I have enrolled in the income based repayment plan for my federal loans and that is {$0.00}. I have on numerous occasions tried to speak to them about some type of repayment plans or deferment or something to if they could help me, eac time they just tell me NO, the minimum payment they will accept a month would be {$170.00}, unfortunately I dont have that. Then they ask if any amily or friends will make my pyments for me. That is a joke. I just need some understanding help.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has XXXX digits different from mine. I submitted a dispute to Trans Union to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it. 
I understand there is some rule used by the bureaus that if an address is on more than XXXX or XXXX items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items discharged in HER BANKRUPTCY ... but I also sent this to Trans Union and the ignored it.

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