milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-10-2016 about Mortgage (Home equity loan or line of credit) with BMO HARRIS BANK NATIONAL ASSOCIATION (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I took out a XXXX mortgage line of credit a number of years ago through XXXX XXXX XXXX Bank. I paid every payment on time. XXXX XXXX XXXX Bank was bought out by BMO Harris Bank several years ago. The line of credit loan continued as it had with XXXX & XXXX Bank. I continued to make payments on time, never falling short even one time. In the fall of XXXX I received a letter from BMO Harris bank stating they were discontinuing this type of loan and called the note due in XXXX XXXX. Even though we were very ill prepared to refinance, we took the fall to attempt to prepare our home and our finances for this transition. I went XXXX Bank to secure a mortgage to pay off my XXXX mortgage and the note demand from BMO Harris. When our home appraised for less than we hoped, we had to shift to a XXXX and XXXX mortgage. 
We were able to secure a payoff on our XXXX mortgage with XXXX Bank. We requested and received a payoff amount from BMO Harris Bank, however after accepting our payoff check, they decided to add a very large fee and refused to release the note. I have contacted BMO Harris Bank several times in this matter and they insist on charging this exorbitant fee. Large businesses such as these have a big advantage over the general public. They can bully the average consumer like me since I have no resources to battle against them. I struggle from paycheck to paycheck while they simply expect me to fork over an additional {$900.00}. This is a predatory practice that should not be allowed. I have faithfully paid my XXXX & XXXX mortgage on time, every time to XXXX Bank since. 
I do find it very strange that a company that I never seeked to do business with now has a stranglehold over my life and finances. To a normal middle class working family, this seems mighty unfair. I would appreciate some intervention in the matter. 
Thank You XXXX XXXX XXXX XXXXXXXXXXXX

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 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: regarding account : XXXX account number XXXX***. I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further.
If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.

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 01-09-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: Beginning back in XXXX of 2016, I start applying for personal loans offers from XXXX.Then around XXXX and XXXX 2016 I beginning getting flooded with emails and text offers for online personal loans. So by XXXX loan companies begin soliciting and trying to reach me by phone and this one company that sounded familiar to me, XXXX XXXX told me that they approved my online application for {$2600.00} and they would be sending me the documents via email and transfer the first loan installment of {$710.00} through mobile banking account this was XXXX XXXX, 2016. Well everything seemed okay until XX/XX/2016 because i always check my wells Fargo accounts everyday. I know that on XXXX/XXXX/16 my checking account was a+ {$24.00} and then on the XXXX/XXXX/16 {$310.00} was add that i did n't deposit into the account, so i called wells Fargo . So in between the XXXX/XXXX/16 and XXXX/XXXX/16 wells Fargo let money that they knew was stolen from another bank account sit in my account as if it was mine as i thought the loan was legit but they took me on a round & round fight with their bankers as they came too a conclusion that i was scam, but i dispute the chargers to my checking account which was a - {$510.00} or maybe more but they ruled in my favoer and yes they took {$140.00} off and told me that it would be my responsibility for the remaining - {$410.00} balances

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have made many attempts to work out arrangements with Navient over an extended period of time. There is always an excuse. I have seen several consolidations that they did within Navient that I did not request? I have a Defense to repayment request in because I am an ex-XXXX student. My other loan servicer has put my loans in forbearance pending the outcome of my request, but Navient has not. Those loans have just been sent to collections. I have no idea what the current situation is with Navient is either. I cant find most of loans and balances are way off so I do not know if they have been sold to collections or what has happened. I have called many times to ask why and I get a different story from every representative that I speak with. I know my defense to repayment request is being processed because I have gotten several Emails stating this. I have spoken to representatives at the Department of Education and was even walked through a consolidation request over the phone to try to consolidate out of Navient, but Navient loans always excluded. Something is extremely wrong if there is no recourse. Nothing happens to them for their deception and treatment, but there are severe consequences for me if I do not abide by what they say.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I 've been struggling to make my payments and Navient made it difficult to access certain programs to restructure my repayment. They made it difficult by allowing me to sign up for certain repayment options online, while others required printing out a form and filling it out by hand in order to sign up. I 'm not an expert, but it seemed like the options you could sign up for online would make them more money in interest. I 'm now in my second forbearance and not sure how I will be able to make my payments once it becomes current again in XXXX. 

I read an article on XXXX outlining the lawsuit the CFPB is currently pursuing against Navient and wanted to share my experience. I hope this is helpful. 

Feel free to email me at XXXXXXXXXXXX Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (MD).
Issue: Application, originator, mortgage broker

Complaint: Dear CFPB Staff, I am in the process of purchasing a home with PNC Bank Mortgage Division. Based on the recommendation of my real estate agent, I had notified the PNC bank on XXXX XXXX, 2016 to go ahead and order an appraisal and I signed all my mortgage paperwork on XXXX XXXX. My contract was ratified on XXXX XXXX and the appraisal contingency was due at XXXX on XXXX XXXX. Despite my reminders to the PNC loan officer about the appraisal due date multiple times, I did not receive the appraisal report until XXXX XXXX on XXXX XXXX. I went over the appraisal report the first chance I got and had noticed some gross mistakes, including " full size washer and dryer in bedroom closet, '' and " whirlpool tub '' which neither exists. I sent the loan officer an email with full description of the mistakes among others at XXXX. Almost a week later now on XXXX XXXX at XXXX, I still have not received a correct appraisal report. The loan officer was trying to argue that the appraisal report WAS sent before the deadline -- -but with multiple mistakes that could indeed impact the appraised value?? PNC bank while having had my ratified contract around XXXX XXXX still missed the appraisal contingency which resulted me not being able to negotiate to the potentially lower appraised value. I have contacted the PNC customer service who was supposed to connect me with the supervisor of the branch manager as the brank manager ( XXXX ) has been out of town all week, but the supervisor, XXXX XXXX XXXX refused to speak to me and ended up sending someone from the Branch who sounds very young and completely inexperienced on management skills. XXXX XXXX XXXX did not introduce himself when he came on the line for who knows how long after I had waited for several minutes. He basically had nothing to add but just told me to keep waiting. I am curious in this case, what rights do I have as a consumer and what recourse do I have that a bank such as PNC which failed to meet the appraisal contingency and pretended that the grossly inaccurate report was their extent of obligation to fulfill the appraisal contingency? I am XXXX for 4 years and just returned to the XXXX area and a bit puzzled about the mortgage business practice. Sincerely appreciate CFPB 's help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (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: I am demanding that this repository correct my credit report and actually conduct an investigation into the errors Ive pointed out and remove this unverifiable item. Furthermore, I sent them another dispute letter ( see attached ) lastXX/XX/XXXX listed the item I have been disputing. According to the NATIONAL CONSUMER ASSISTANCE PROGRAM, there should be a citation of the consumer 's SSN and DOB on these items. This is not the case, making these items unverifiable.

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 Debt collection (Mortgage debt) with Shellpoint Partners, LLC (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: PROPERTY ADDRESS : XXXX XXXX XXXX XXXX, XXXX, TN XXXX LOAN INFORMATION : 1. LOAN # : XXXX AMOUNT : {$120000.00} LENDER : XXXX XXXX BANK XXXX. LOAN # : XXXX AMOUNT : {$23000.00} LENDER : XXXX XXXX XXXX XXXX XXXX : Shellpoint Mortgage Serving XXXX Loss Midigation ( Good Luck ) Bought the house in XX/XX/XXXX, made payments until XX/XX/XXXX when the economy crash and I lost my job. I tried to refinance with loan servicer ( XXXX ). After several attempts with XXXX to refinance through different programs and submitting personal information several and several checks of my credit rating,This was over a two year period and each time they check my credit score, due to loss of  paperwork or filing under a different program, it tanked XXXX said that my credit score was  too low to qualify and I needed to find financing somewhere else. Between XX/XX/XXXX and XX/XX/XXXX XXXX called several hundred times to collect, but they would not refinance and they trashed my credit rating. After paying a lawyer {$6000.00} dollars to try to help me out, all he did was take my money and they foreclosed on the property and went to auction XX/XX/XXXX. It sold for {$180000.00}. As advertised it was to settle all liens to XXXX XXXX XXXX. Then I started getting calls from Shellpoint Loan Servicer, that I still owed on loan # 2 {$23000.00}. I contacted XXXX XXXX XXXX XXXX XXXX XXXX. in XXXX XXXX, AK. and said that the sale of the property satisfied the outstanding loans. But, the lean on the second loan was still in place and was showing non-payment on my credit score. Which is preventing me from getting a renovation loan on my property? XXXX XXXX recommended contacting the title company to clear this issue up and the title company said to contact your agency. So here I am. Youre my last door, please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Mortgage (Conventional home mortgage) with BANKUNITED, NATIONAL ASSOCIATION (VA).
Issue: Trouble during payment process

Complaint: Regarding a loan with Bank  United  in  XXXX , FL : The loan was originated for {$710000.00} in   XX/XX/XXXX  a nd was a negative amortization loan for a property in  XXXX , VA. It peaked in cost at approximately {$760000.00 } ( du e to negative amortization ) in la te  XX/XX/XXXX  ( Bank United has been unable to provide me exact numbers to date ). In  XX/XX/XXXX  the loan was modified by Bank United to its current state ( Bank United did this of its own acc ord ).   The property price was over-inflated and the bank did not use appropriated methods to approve the loan. Despite repeated requests over the years, the bank will not modify or refinance the loan and the home can not be sold for anything close to the outstanding amount of the loan. The only offer received has been for {$380000.00} and the outstanding balance is {$680000.00}.   I have repeatedly asked the bank for information and accommodation to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: No bills were sent to my home and no one contacted me about any payments to be made. Even the collection agency never contacted me. I realized I had a payment due when I pulled my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Late fee

Complaint: I was checking on my balance of {$2000.00}. The installments have been made before due dates but I noticed lately that a late payment fee is being added to the account of {$30.00} every month ... Every payment has been made on time ...

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Mortgage (Conventional fixed mortgage) with Statebridge Company (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage that was with XXXX XXXX for years, The bank was sold to XXXX XXXX in XXXX 2015, XXXX sold my mortgage to STATEBRIDGE LLC. XXXX 2015. I had a bankruptcy chap. XXXX, but never had any lates on my mortgage the mortgage was always paid on time and current, still is current. I have not received a coupon book, I called and was informed by XXXX that my mortgage was late?? My monthly P & I is {$830.00} plus tax escrow total pymt {$1100.00}, they took the {$1100.00} as P & I and added taxes to it making my pymt {$1400.00}, I tried to tell her that was incorrect. I faxed and mailed my note, mortgage, history and cancelled checks to show my loan amount, payment amount, and proof that the loan was current. I have called several times, wrote letters, emailed and faxed NO REPLY and I was told they cant talk to me. All I need if for this to be straightened out, my XXXX qtr taxes and XXXX qtr taxes have not been paid by them the money is in my escorw, I had to pay the XXXX qtr out of my savings so the taxes would not be late. All I want is for them to correct my account reflecting the correct payment amount, send me a coupon book and for them to pay my taxes on time. I have all documentation to prove my loan is current and what the payment is. Can you help. I really feel this company is trying to make my loan appear late so they can foreclose, I talked to another person who is having the exact same issue with this company. I need help resolving this matter and not getting any response from this company what so ever.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: I am the Co-Executor of my Mothers estate. My Mother had an IRA account with Bank of America. She had this IRA since at least 1992 and always banked at the same small branch in XXXX, Connecticut. The branch was taken over several times between XX/XX/XXXX-XX/XX/XXXX and is now Bank of America. Despite there being XXXX totally consistent beneficiary designations with the predecessor banks being located- XXXX located by Bank of America in its own internal files, Bank of America refuses to honor them -- saying that they will only honor a beneficiary designation directly with them. In addition to the XXXX beneficiary designation forms, I have notes by my mother consistently reasserting that I am the sole beneficiary. 
Also Bank of America has consistently intentional or just negligently given me misleading and false information. The second beneficiary designation was located by them only after they had repeatedly represented that there was No such record. They have also incorrectly ( intentionally or negligently ) represented that there is no detriment since they are willing to pay the IRA to the Estate. The Bank should be aware of the detrimental tax consequence of the payment to an Estate rather than a person beneficiary -- even if ignorant they should at least not make false statements on which their depositors may rely to their detriment. My mother was not a wealthy woman ; she carefully saved her money and meticulously set up her accounts in accordance with her wishes. Yet now, the Bank is looking to VIOLATE her wishes and her accounts! Additionally, since there are other beneficiaries of the residuary estate, clear, contrary to the Bank 's rep payment to the Estate is very different than payment to the individual named beneficiary. 

My mother was already aged XXXX at the time of the Bank of America takeover and XXXX when she died and she consistent banked at the same small branch.The Bank 's position seems to be that that it was somehow her responsibility to make sure that Bank of America still had and did not lose or misplace her Beneficiary Designation. Likely, this is a frequent problem with Bank of America -- the only difference here is the careful records that my mother kept and my relentless pursuit to correct the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (UT).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: On  XXXX   XXXX ,   XXXX  , I applied for a card from  Capital One.   The application was n't approved. Today,  XXXX   XXXX ,   XXXX  , I was emailed a letter from  Capital One.  This letter was exactly the same as the previous letters that I have received from them.  Capital One  is claiming that based on my application, there is pending legal action against the applicant. They once again have not provided me with the name and contact information for the agency that furnished  Capital One  with the information used in this credit decision as required by law. I have received phone calls on two separate occasions from individuals who claim to be with  Capital One ' s  executive  office. Apparently they can not, or will not help me. I ask for the agency that provided this information so that I may dispute it. " I 'm not sure '', or " I do n't know '' is the standard reply. I am told to check with local and federal courts to see if there are any public records about me. I havechecked, and there are no legal matters about me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Debt collection (Credit card) with CL HOLDINGS LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt that is not only a result of identity theft but is as we know junk debt that has been re-aged from 2004. I take my credit very seriously and anyone who violates my consumer rights and protection. This debt can not be validated per the FDCPA or the FCRA for identity theft victims. I 'm tired of the harassment rather it be calls or letters. Attached is the original copy of my police report and the letter I received from XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (OR).
Issue: Shopping for a loan or lease

Complaint: I previously filed a report for Identity Theft with FTC. I have placed alerts on the XXXX credit reporting agencies. I am asking for immediate remove the of the credit inquiry, due to failure to follow procedure with Identity Theft and they have refused, and will not remove their inquiry. I simply would like to have their inquiry removed, they failed to follow procedure, therefore it is invalid. I did not make this request.

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 07/20/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX, I refinanced my mortgage for the unit I have been living in located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MA. At the time, my mortgage servicing company, Ditech Inc., overpaid my property taxes to the city of XXXX by {$580.00}. Now, the city says that they can not return the over-payment unless Ditech contacts them. Since then, I have contacted Ditech XXXX times they promised to follow-up on that. However, as of XXXX/XXXX/XXXX, according to XXXX XXXX XXXX XXXX Collector 's office, nobody has contacted the city regarding this issue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation