milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Struggling to pay mortgage

Complaint: I have a mortgage with Nationstar, I fell behind because my husband was injured at work and was out on XXXX. I tried to make a payment to pay the mortgage current with the full amount past due, I was told I needed to pay attorney fees as well, they made me wait a week to get the payment meanwhile everyday the amount goes up. I finally get the payment they want which is XXXX dollars more then what my actual past due balance is, then they tell me i can apply for a modification, I applied and sent in everything they asked for, it took 2 weeks to hear back ( still accruing more fees ) finally I get a rejection on their website ( that I checked every single day ) and no explanation as to why. So now I am stuck having to find things to sell just to get this extra XXXX dollars in attorney fees to pay them current so they will accept the payment. I feel like it is set up so companies can take advantage of people already struggling. It should not be allowed for them to be able to reject a payment that does not include fees that the company opts to incur. I did not ask them to get an attorney I have been trying to catch the mortgage up, the attorney benefits them not me, why should I have to pay for it. I just want to pay them what I owe them and they reject it. 
Unfair to the consumer. 
Inconsiderate to people who are stuck in a temporary situation. 
Nationstar mortgage AKA Mr.Cooper only has one goal and that is to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX, XXXX, an unidentified person went to a Bank of America ( BOA ) branch in XXXX New York with fraudulent identification. Bank employees gave this person a new ATM card with access to my account. He subsequently withdrew {$800.00} from an ATM and additional {$6000.00} was personally withdrawn via a teller. I was alerted to some irregularities with regard to funds being shifted between accounts at BOA, which led me to go online where I discovered some large withdrawals that I did not make. I was told that the amount is still being investigated. The {$800.00} was confirmed that it was fraudulent and will be refunded. I have been given no further assurances regarding the {$6000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Mortgage (Conventional fixed mortgage) with W.J. BRADLEY MORTGAGE CAPITAL (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I have a Mortgage with WJ Bradley mortgage company. Everything was fine until they switched to a new company to process their payments. Every since the change I have had nothing but problems. They are rude on the phone, they do not keep accurate records, they say they there is no record of talking to us etc. The big problem is they do not process my auto payment so they can charge late fee 's. I work out of the country and every one of my bills is paid on time with automatic payments. They are ether incompetent or thieves or both.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had XXXX state tax liens in the amount of {$8200.00} and {$5400.00} that were PAID and released by the state of Massachusetts in XXXX 2014. I have requested Equifax update my report to reflect the release status multiple times. XXXX already has, but Equifax continues to report the accurate status.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax, XXXX, XXXX has stolen my identity, and attached my daughters ID and credit history on my credit report, without permission from me or my daughter, accounts are XXXX, XXXX # XXXX and # XXXX, # XXXX, these account are student loans. and I have never had a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: THEY DELETED A COLLECTION AND XXXX CLOSED CREDIT CARD ACCOUNTS ON XX/XX/2017 AND REINSERTED THESE ITEMS BACK ON MY CREDIT REPORT ON XX/XX/2017 WITHOUT GIVING A NOTICE OR REASON AS TO WHY THEY WHO DO THAT. I ATTACHED PROOF THAT IT WAS SUPPOSED TO BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NC).
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: I have an XXXX CitiCard which was closed in 2014. It is being reported as Inactive rather than closed by XXXX. I have contacted XXXX several times over the last 2 years and nothing gets done except they reply back with - " meets requirement of the fair credit reporting act. However, they are using it to lower my credit score based on an inactive account. I have opened numerous disputes with XXXX over the last 2 years, and it goes into a black hole with no resolution. I have asked Citi on numerous occasions to report the account to XXXX as closed which has not occurred.

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 12-01-2015 about Consumer Loan (Installment loan) with WLCC (NV).
Issue: Problems when you are unable to pay

Complaint: I Advised arrowhead advance to not call my at my place of employment. They continue to call it time after time and argue with me on the calls when I advise them not to call me. It harassment and I can get fired for this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/19/2015 about Credit card () with AMERICAN EXPRESS COMPANY (OH).
Issue: Billing disputes

Complaint: I purchased an airline ticket with XXXX XXXX on XXXX XXXX. Along with the cost of the ticket itself, there were charges for ancillary services associated with the air ticket. ( See attached AMEX Statement 1 ) Within the time period provided by XXXX XXXX for cancellation and refund ( 24 hours, if I recall ), I cancelled the reservation. XXXX XXXX explained they were refunding all of the charges. Over the following days, XX/XX/XXXX-XX/XX/XXXX, credits for the flight were issued. ( See attached AMEX Statement 1 ) This attachment shows XXXX charges associated with the original ticket purchase and XXXX credits posted to the account in equal sums. 

As of this date, XXXX XXXX, there was a charge posted to my current billing statement posted to my American Express card for one of the charges associated with the ticket. ( See attached AMEX Statement 2, see {$190.00} XXXX XXXX charge. ) In speaking with XXXX XXXX, they are not able to look up receipts for tickets issued longer than 14 days previous. They were not able to explain what the charge appeared, despite my explanation that the charge was posted now, not in XX/XX/XXXX. They are filing a request for the receipt which will come within 14 days. 

In speaking with American Express, they find XXXX charges on my account associated with the original ticket. XXXX of these charges is for the {$190.00} authorized on XXXX XXXX, but posted on XXXX XXXX. However, they find XXXX credits associated with refunding the original ticket. Their assumption is that XXXX issued all of the credits, but not all of the charges. They assume XXXX realized the error and issued the {$190.00} charge in XXXX based upon a XX/XX/XXXX authorization. 

If this is the case, then I will also be seeing a sixth charge posted to my account in the coming months should XXXX realize the error. This sixth charge, the largest of {$970.00}, already appears on my account statement. American Express representatives explained they do not find this charge on my account. Therefore, it remains unclear if this charge has or has not been posted by XXXX XXXX to my account. 

I would like to know if there is any obligation on the part of the vendor to post charges in a timely manner, based upon the authorization date. 

What seems the error of XXXX XXXX is causing great difficulty as the XXXX charges should have already been posted and refunded. As you might imagine, news that the charges are appearing in XXXX from an error in XXXX severely complicates my monthly financial budget. 

It seems that there should be a fair and reasonable window for vendors to post a charge that is reasonably within the authorization date. It is not intuitively fair that the reconciliation calendar of XXXX XXXX accounts should so heavily burden my own monthly billing.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: There were XXXX unauthorized charges on my chase credit card account. I contacted Chase and initially they credited my account while they were doing their investigation. Later after about 2 months they told me that the charges were valid and charged my account. But I have told them over and over the charges were not mine and I never authorized the charges. The person who made the charges has a totally different name, living in a different state! I do n't know the person, I never authorized the person and I have no idea how that person used my Chase account number to subscribe to XXXX! 
Since XXXX XXXX, 2015, I have sent chase XXXX messages ( through their online customer service ) telling them again and again that the charges were not mine and every time they say they are looking at my issue and will get back to me in 2-3 days, but they never do.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: NationStar purchased my loan XXXX 2014 from XXXX. My automatic payment was due to XXXX on XXXX XXXX and my loan did n't transfer to NationStar intil XXXX XXXX, so I thought I had until XXXX XXXX to make a payment. I received a vague notice of the transfer with information about how to log onto NationStar 's website, but it did n't work. So I thought I had time and I 'd try back. On XXXX XXXX, by certified mail, I received a pre-foreclosure notice from NationStar. I called and got it straightened out and about 10 days later I finally received the introductory letter and payment information that I should have received LONG before any pre-foreclosure notice. I could fill a book with other NationStar mishaps. The most recent ( and last because I 'm refinancing ) is a notice telling me that because my Homeowners insurance was lapsing, they would purchase insurance for me at MY expense. I did change insurance companies, but both my new insurance company and I notified NationStar about the change. I did n't receive a call from them until they received a payoff request for the loan and THEN they wanted to offer me other products to stay. You could offer me 0 % and I would say NO THANKS! Ca n't wait to be done with NationStar!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have submitted several request to Equifax, XXXX and XXXX as well to the XXXX itself XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX on payment history on credit file show there was XXXX XXXX. The account was closed on the XXXX. The status shows charge off and the amount of the charge off shows XXXX. There has been XXXX XXXX on this account XXXX thru XXXX. From XXXX thru XXXX is reporting XXXX. Date of first delinquency XXXX payment history on credit report has XXXX XXXX. Also, this account is reporting that it is a XXXX account it is a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Penny Mac purchased me Note from XXXX, At the time my loan was sold XXXX had agreed to terms on a loan modification. Penny Mac then required me to resubmit a new package and I was turned down. It was then requested I resubmit which I have done several times and have not had any resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have tried to request my free annual credit report online from Transunion and they refuse to give it to me. I have called their XXXX number for the free annual report. There they tell me I have to wait 5 weeks to get a report if I request by phone. They want me to give them my phone number to complete the request, I do not wish to do so because I do not want SPAM calls from them. THis is unnacceptable I am in the process of buying a home and have a new collection account which, by law, I am supposed to be able to dispute. Their lack of response is causing me great distress. I dont have time to submit a dispute through the mail or wait 5 weeks for a credit report. Unacceptable.I find it disturbing that these companies get away with being incompetent and get away with it. even make XXXX on poor consumers and greatly affect their lives.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello, I've been in contact with transunion over the past couple of months via phone numerous times ... .Everytime I call I get someone who barely speaks english and can never get anyone who I can fully understand what theyre saying nor can they understand what im saying ... After numerous conversations about the errors they have reporting on my credit file I was finally able to understand them directing me to goto their websites ... .I went on there and disputed the incorrect items on my credit report on their website and after not only WOULDNT the dispute not go through but it also delivered me error messages that said the accounts werent reporting on my file, ... .how is this possible? I've become so stressed out I dont know what to do ... I have also attched a copy of the screen shot of the website ... PLEASE CAN SOMEONE HELP ME?

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 12-11-2017 about Debt collection (Other debt) with WELLS FARGO & COMPANY (OR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a message last on XX/XX/XXXXor XXXX of 2017 and could not understand what the woman was saying, but it sounded very serious, so I did what I could to call back. I finally got through after five repeated tries, without being able to leave a message and spoke with a woman named XXXX XXXX XXXX. She explained to me that her law firm was going to sue me if I did n't pay almost 800 dollars from over 10 years ago. I explained to her that it 's been way too long, and that there 's no way I owe that much. It was from when I was XXXX and opened up a Wells Fargo checking account. I got hit with some overdraft fees that I could n't pay, so the account closed and went to collections. Scared that I was going to be sued, before reading about the NFCPA  and all my rights, I reluctantly agreed over the phone to set up a payment plan that was completely unreasonable at XXXX dollars every two weeks. She urged me to sign the documents they emailed right away, which I did not. I tried to call back but could n't get through until the following Monday when I realized they went ahead and charged my bank the first XXXX dollars even though I never signed and planned to arrange another way of dealing with this. The company is XXXX XXXX XXXX and I was billed through 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 explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
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: On XX/XX/XXXX2016 I received a letter from this auto lending company XXXX XXXX and when I spoke with them via phone they explained that they would remove this transaction from my credit report that shows 3 times over thirty days late I am attaching a letter that shows that this matter was settled these transactions should have been removed from all three Credit Reporting Agencies XXXX XXXX and XXXX because they agreed to remove these transactions they are now along with XXXX XXXX and XXXX in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Application, originator, mortgage broker

Complaint: In early XXXX 2015 my partner and I approached our local Wells Fargo branch in order to apply for a mortgage. They redirected us to a Wells Fargo broker at a different branch who initially pulled our credit report and told us that I would be better applying for the loan on my own based on my XXXX score. At that point we started receiving weekly e mails requesting documents and this has continued until last Friday, XXXX XXXX. It was my and my agents understanding that it would only take 45 days and the repeated requesting of additional documents has caused great stress to both me, my partner and the seller. Finally today we had reached our limit and have withdrawn from the process due to more documents being requested and have been told that we would not receive our earnest money back.

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 07/22/2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (FL).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I receive multiple calls per day. I know that collection efforts must take place between XXXX and XXXX in the recipients time zone and calls can not be made on Sundays. They are violating all of these.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I Have been under a chapter XXXX bankruptcy plan since XXXX 2014 and have paid regular monthly payments to Shellpoint and the trustee. This company has promised several times to send me an account history but nothing happens. I have no idea how my payments are applied since I am not getting any monthly statements either. No one responds to me from their bankruptcy department and I do have a letter on file with them from the Attorney Authorizing them to talk to me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Mortgage (Other mortgage) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Application, originator, mortgage broker

Complaint: 1 ) At the XXXX time home buyer class, I was told that the One-mortgage ( Also known as the XXXX loan ) is the program that helps people who can not buy home due to the down payment burden. 
2 ) During the home loan application process with Citizens bank, several times, I was advised that my wife would need to consolidate her education loan with Citizens bank. On XXXX, I found that my wife could get education loan ( income based ) refinance ( payment adjustment ) through the department of education and she applied it instantly. Frankly, In my mind, this words came up to me, " Why they ( Citizens bank ) did not reveal that my wife could adjust the federal education loan payment through the department of education? '' This must be clarified and there must not be any person who loses the chance to lower the monthly payment through the department of education before getting student loan refinance from Citizens bank. 
3 ) When it comes to the maximum amount for the home mortgage ( XXXX mortgage ) at Citizens bank, I was told many different maximum amount that I can borrow. At the last conversation ( last week ) over E-mail with Citizens bank, it was around {$200000.00} ( without downpay ) with my own credit application ( not including my wife ). After I mentioned that my wife applied for the refinance of her student loan from the department of education, the mortgage officer ( NMLS # XXXX ) kept changing my income standard and finally I was not able to have any tangible pre-approval certificate as of now ( XXXX ). The supervisor ( NMLS # XXXX ) introduced by the mortgage officer keep replying " Thank you '' over the E-mail without any responsible reaction. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation