milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Nationwide Biweekly Administration, Inc. (CA).
Issue: Settlement process and costs

Complaint: Dear Sir I purchased my home in XXXX XXXX CA. in XX/XX/2015 XX/XX/XXXX after making my mortgage payment I signed up with Nationwide after being told I would be paying my house off much sooner and even reducing the interest on my loan. I was told that my only cost would be {$3.00} after each debit payment. 
After signing on with Nationwide I received some information however did NOT receive a copy of our agreement. 
XX/XX/XXXX I received an e-mail from Nationwide stating that they were being force out of business, and would no longer be making my bank payments after XX/XX/XXXX. At this time I have an excess of {$700.00} that had been withdrawn from my bank account. 
I called Nationwide this morning and after over an hour of waiting I was finally able to talk with a real person. 
I was told that I would not be receiving a refund that my {$700.00} was a Setup fee. 
I ask the lady that I spoke with to send me a copy of our agreement, since I had never received one, which she did comply with. 
Even though I was told that my only costs were the {$3.00} bi-weekly fees associated with the bi-weekly withdraws from my account. 
As you can see from the agreement that was sent to me this morning, there is a Setup fee which for me is {$700.00}. 
It also shows that no moneys extra will be paid to my principal balance. 
Now tell me, why would anyone ever agree to this? 
I am hoping that you will be able to help me or at least help me contact someone who can. 
I am XXXX years old and can not afford to lose this money.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I am an XXXX age XXXX woman living on Social Security Benefits, with no assets not even a savings account. My daughter has to help me pay some of living-medical needs solely. I have attempted to several times to payoff my high credit card debts with Bank of America. I was successful with making XXXX settlement agreements with XXXX out of the XXXX Bank of America cards. These Bank of America cards I have had over 10 to 15 years and paying interest rates well over 21-29 %, the balance never seem to be going down and because of my fix income I can not afford the payments. I was successful with help from a company with securing a settlement agreement that was accepted by Bank of America, which I have made 2 successful payments towards settling the balance. Please see ( Attachments below ) Due to the fact that I was making schedule payments to settled these Bank of America Accounts, I was assured that once a larger portion of these settlements with the XXXX BofA cards was within good standings, I was offered a settlement arrangement for the last BofA Card. This is where the deception from Bank of America started. Bank of America sent their law firm XXXX XXXX XXXX, XXXX. to threaten with a legal summons and even scared my family member who received the summons that they were going to take my house and seize all my assets. 
I did not believe it, why would Bank of America and XXXX XXXX XXXX, XXXX. say that, the shock cause me to seek medical attention immediately. Why would Bank of America and XXXX XXXX XXXX, XXXX. take threaten me with a summons on a credit card which they have already made settlement agreements on which was agreed on both sides. I am on a fixed income Social Security Benefits with no assets, XXXX, why would Bank of America and XXXX XXXX XXXX, XXXX. make these threats? I feel that it is because of my Age, I have read about companies taking advantage of the XXXX because we age getting older so taking advantage of XXXX and violate our rights. I really feel for all the XXXX and I pray for us, some of us were thought that we should pay what we owe and I have been using the little social security checks to paid off my high rate credit cards and even with me make settlement payments towards the Bank of America cards that they accepted. Bank of America and XXXX XXXX XXXX, XXXX. is still trying to use unfair deceptive and misleading practice, which violates the FDCPA. I pray for my XXXX, I pray for this county. Please see ( Attachments below )

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 03/18/2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a federal tax lien that has been withdrawn, equifax will not update my credit report to reflect the withdrawn status which would remove the negative public reporting from my credit file. The withdrawal was issued XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I received XXXX letters in the mail, from Experian and XXXX, respectively, that informed me that an initial Security Alert had been placed on my credit report " at your request ''. I did not request such an alert. The phone number associated with the request ( XXXX ) has no relationship to me and is in another state ( California ). Attempts to reach someone at this number were unsuccessful - the number connects immediately to an answering machine ( my messages have not been returned ). I was able to view my credit report on Experian but there is no way to change the information about the security alert. I will be unable to receive credit for the next 91-120 days because all potential creditors are being instructed, through the credit report, to call this number to verify my identity. I am preparing a letter to Experian but I am not sure how successful this will be. Are there other steps I should be taking?

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 10/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am not aware of this debt. Possibly the result of identity theft. It is adversely affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I refinanced my student loan in XXXX of 2007. I have been making on-time payments on this private student loan for more than 10 years. Recently, another company began claiming that I owe THEM a balance for an additional private student loan. They are claiming that my loan was " paid forward '' 10 years, and that it was not in fact " paid off '' when I refinanced my loans via another company. This information was never communicated to me. In addition, the amounts they are claiming I owe do not match. There are typos in their correspondence that makes it very unclear what the actual amount " owed '' is. They refuse to tell me who " paid this loan forward '' 10 years ago. They have provided no proof that this is a valid debt owed, other than single page letters with simple verbiage saying that it is valid. There is ZERO documentation to show a history of this account or signatures of any kind. They sent a promissory note that says the loan is owned by XXXX XXXX, no mention of their company name, Navient. The amount shown on the promissory note does not match anything else I have either. In trying to talk with them to understand what is happening, they simply tell me that I must pay them in order for them to help me. This appears to be completely fraudulent, and they have provided absolutely nothing proving otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Other

Complaint: I had a credit card with Chase that was opened XX/XX/XXXX. Due to financial hardship and loss of income I fell behind and was unable to pay. XX/XX/XXXX, Chase issued a XXXX c for the Cancellation of Debt and I had to report the amount on my Taxes as income. Chase is still reporting to the Credit Bureaus that I have an outstanding balance and that amount continues to increase. I am attempting to improve my credit and this has impacted me for several years now, even after they cancelled the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (PA).
Issue: Wrong amount charged or received

Complaint: western union repeatedly charged me XXXX per transaction when I would send money theru theyre website where i was offered a {$5.00} sending fee they said they reimburse never did

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Debt collection (I do not know) with American Coradius International LLC (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a letter from American Coradius International LLC stating that I owe them for a collection for XXXX. The amount that it 's states I owe is XXXX. I checked my account on XXXX and it states my balance is {$0.00} and I do not have an open credit card account on XXXX. I did a credit report and not does it show I have an open account at XXXX indicating my identity has not been stolen. I do not know why I received this collection unless it is a mistake on their part and I do not want this to effect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Dear Sirs, I need your help with SPS Company located in XXXX XXXX XXXX. In XXXX, I was assigned the relationship manager named XXXX XXXX, I spoke to him on the phone and asked questioned about an issue that SPS had not addressed issues with our home mortgage and was told he would send the corresponding paperwork for loss mitigation. No paperwork came to me. In XXXX a new relationship manager was assigned my case XXXX XXXX. Now the paperwork sent to me only includes relocation assistance. Can you help, I have been diligent in asking for SPS to solve problems with my loan : Problems with escrow, another party on my loan, problems with accounting of payments made that were above the amount due and unable to abtain paperwork for loss mitigation since XXXX. Only two weeks ago was I asked to send in paperwork but it was for relocation assistance - the sale has n't even occurred, and forms were omitted. I have asked for loss mitigation but at this point this company does not keep it word to send paperwork and forms where not sent that they require in the packet this past month. Also the paper work that they sent to you did not include the most recent loan papers for the only mortgage on this property from XXXX Bank, only paperwork from XXXX XXXX that is invalid. Thank you so much for looking into these issues and can you please help me so that a sale of the property does not happen on XXXX XXXX, 2016. My property has still not been listed this month by the Sheriffs Sales site as other properties in my area and XXXX and XXXX states the property is not available for sale, and I have received no response from SPS in terms of where it is listed. I did receive a letter from XXXX loans that they might be able to help with this, but I need SPS to start helping and sending all paperwork when requesting it and not sending letters without the proper forms included for loss mitigtion and making sure that my loan has been updated with the proper amount due and all charges to this loan are itemized and explained, and that they are sure that I have a clear title after XXXX made the mistake of listing another person on my loan. I do not have any other loans on this property!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Payday loan, title loan, or personal loan (Payday loan) with Centric Asset Management Inc (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Centric Asset Management Inc has continued to contact me at my place of employment as well as my cell and my wife cell. We have writte letters requesting they stop as well as asking for debt validation letters. They have refused to stop calling and told my wife today they 'd just show up at my place of employment. XXXX XXXX is who called both myself and my wife today, my wife requested they send us a debt validation letter via USPS, XXXX XXXX stated that she 'd just show up at my place of employment to serve me with court docs. I do not believe this a valid debt and if it is it was not taken out by myself nor my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit card () with JPMORGAN CHASE & CO. (TN).
Issue: Credit line increase/decrease

Complaint: I have a Chase Freedom Unlimited card and I recently applied for a credit line increase on XXXX/XXXX/2017 and I ended up speaking with a credit analyst who asked me to verify information from my credit report as I have a fraud alert on my credit stating to verify my identity before granting or extending credit. I am use to this process and he had me verify information and placed me on hold to review the information. Well after about 15-20 he came back and told me congratulations we have increased your credit limit to XXXX and it is available for immediate use and when I logged into my online account it was there. Well I recently logged in my account a few days ago and to my stick my credit limit had been reduced back to the original limit and when I asked why they told me that it had to do with my consumer statement and they tried to call the numbers and they were disconnected to which I replied that I had recently moved but the numbers were already updated with credit bureaus and the cell phone number on my account had not changed. They told them that 6 days later on XXXX XXXX my credit limit had been changed back because they felt it was a fraudulent request and I advised it was not a fraudulent request that I had in fact asked for it and the agent I spoke with verified everything already and why were they in my account 6 days later because they had approved the credit line increase and I had already received a letter confirming that it was increased. So why was it being reduced now and if the information was not verified properly on the XXXX why was the increase granted and I mailed a letter. They told me I needed to speak with lending services who explained that they had reduced the limit 6 days later and said the computer caught it 6 days later and I explained I did n't understand cause I spoke with an agent and he manually reviewed everything with me while I was on the phone and granted the request. Despite this they told me that I the request was closed and I would have to reapply for another credit limit increase and have another credit pull. I spoke with a supervisor and explained that they pulled my credit already and approved the initial request litterally 2 weeks ago why did I have to take another hit to my credit score. Every credit pull drops your credit score and I did nothing wrong. So they pulled my credit the first time for nothing and did they violate the law by granting credit and not verifying the request properly initially? It was n't a fraudulent request, I requested it and spoke with someone and verified it and now they are saying they ca n't grant it even though I have an approval letter and credit hit and now they want me to have my credit pulled again???? That is not right?? Why do I have to take another hard hit to my credit score and drop my credit score again for nothing I did wrong. Also why were they even in my account 6 days later??

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Sun Trust Bank ( Mortgage # XXXX ) that was issued in XXXX 2015 that includes escrow payment. I was therefore shocked to get a delinquent taxes notice from the county on the same loan for {$2700.00}, plus penalty and interest payments for {$130.00} ( total {$2800.00} ). 
I called Sun Trust to complain about the late payment assessment in XXXX, I was transferred to several people, and none of them were able to provide a reason why a loan with an excess escrow balance could be assessed a delinquent tax penalty. 
Sun Trust then sent me a statement and check ( for {$2500.00} ) one week after I complained about the delinquency assessment stating that my account has excess escrow payment in it. 
I called Sun Trust again today XXXX XXXX/XXXX/2015 XXXX to follow up on the matter, and after over 1 hour of being transferred to several employees, none whom were still able to explain the delinquent penalty of {$130.00}. They finally tried to claim that it was my fault because I should have been following up with taxes authorities to make sure that property taxes were timely paid. Is a mortgagor responsible for timely payment of escrowed amounts for a non-delinquent mortgage?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (RI).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: Discover Card called my workplace to ask if I was going to pay on time. I have already disclosed to them they are not allowed to call my workplace.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Bank of America has blocked all my access to banks. I cant open an account and I paid them what they charged me on XXXX XXXX XXXX and they didnt report that I had paid them. I still cant open an account with any bank and the one that was at XXXX XXXX XXXX was cancelled. I went and they did want to 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 explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I submitted a dispute reguarding my personal information on my credit report. I found a name that was incorrect and I also found two addresses on my credit report under ( Personal Info ) that I have never lived at. None of which have been resolved or addressed. I need the specific name, telephone number, and address of a person or agency, or ANYONE who I can contact to finally resolve this issue. So far, I have n't found anyone who is capable of accomplish a resolution. Now, I know there is someone out there some where, who IS very capable and very competent to address this issue and successfully resolve the dispute. If you would so kindly please give me THAT PERSON 'S name, number, and address, I would gratelly appreciate it. Thank You. The two addresses that are incorrect and need to be removed from my ( Personal Info ) off my credit report are : 1. XXXX XXXX XXXX . XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, CA XXXX The name that is incorrect and needs to be removed from my ( Personal Info ) off my credit report is : 1. XXXX XXXX Thank You so much for your help and I look forward to hearing back from you. God Bless ....

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 11-06-2017 about Debt collection (Payday loan debt) with ACE CASH EXPRESS, INC. (KS).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Case file # : XXXX {$930.00} settlement amount {$350.00}. 


I have received several threatening emails. I have no knowledge of such loan made. 
The emails never state the original date amount or date of service.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint: On  XXXX   XXXX ,   XXXX  , I called  XXXX   XXXX  Tech support for assistance with my PC. The call was hacked by  XXXX  Tech Support. They said  XXXX  had hired them to facilitate all tech support. I paid the {$370.00} for  a five year Plan.  When I called in a few months later, I was told that  XXXX  was out to business. I called them, several times-no success. Then I looked on line to find that the State of Washington 's Attorney General had filed a class action lawsuit for fraud. I called Bank of America. They refused to refund me ; after I showed them the lawsuit ( online/copies ). Consequently, I filed a claim the the Attorney General of Virginia. I was told by Virginia that they could not reach  XXXX . So they put the claim in a pending file. Why would a fraudulent company answer there phones?? Not likely! I had to purchase another antivirus service.     Is there any way to recover my lost funds? Here is the website :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   Please email me at :  XXXX  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