milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The debt they are attempting to collect is over 10yaers old and the account has been closed. They call me at XXXX every night. When I answer, someone asks what my name is and when I ask who they are they say " please hold '' and then they transfer me to midland management. Whom I 've told several times that the account has been closed, I 'm not paying it, and stop calling 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 02/19/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Settlement process and costs

Complaint: I was recently notified that Countrywide/Bank of America Home Loans ( Account # : XXXX ) is now incorrectly reporting on my credit reports that my former residents at : XXXX XXXX XXXX XXXX XXXX CO XXXX was a foreclosure. Which is untrue and I was assured that if I took the short sale offer the information on my credit reports would not be deemed a foreclosure! I have always been concerned about this program that essentially forced us out of our home because Countrywide/Bank of America Home Loans would not consider us for a Loan Modification!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I called and wrote multiple letters XXXX to dispute some the inquiries on my credit report that were not made by me however I have not heard back from them. I need CFBP to help me resolve these matter.

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 10/27/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage thru Ocwen matures XX/XX/2016, Loan # XXXX XXXX. I went to their website secured sign on and got a payoff quote valid thru XX/XX/2016. I then called Ocwen about how to submit payment as I bank with XXXX XXXX and that is also their bank. I could simply go on line to payoff loan. However, I was told it had to be paid either by certified funds via overnight mail or their preferred method by bank wire transfer. My wife then called Ocwen and was told the same thing. I went to XXXX XXXX to make wire transfer and my personal banker thought the wire transfer was inappropriate as both accounts were with XXXX XXXX. Her idea was a direct deposit from my account to Ocwen. She also called Ocwen and was told that was not acceptable, that only wire transfer or certified funds were allowed. So we submitted the wire transfer, which had a {$30.00} fee. She noticed an unusual entry upon doing the wire transfer and called her supervisor for clarification. Ocwen actually has a stop on allowing direct deposit transfers. My complaint is simply paying a wire fee is an unneeded expense and additional waste of time. I feel this an added burden imposed by mortgage companies. Ocwen also does n't accept emails, as I wanted to contact them about this problem. Finally, their customer service is apparently outsourced to XXXX and understanding their operators can be very difficult. Thank You : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: My accounts are BOA overdrawn. Accounts ending XXXX and XXXX. The accounts ending in XXXX and XXXX should n't even be open. My debit card was stolen and unauthorized transactions were made on the account. I advised BOA to investigate, refund the charges and close the accounts, which has never happened. Now accounts XXXX are overdrawn as well with more unauthorized charges. I have been having nothing but problems with BOA and my accounts with them.Their agents refuse to help and do what I the consumer am directing them to do. I demand the charges be refunded and all accounts be bought current. Also for accounts ending in XXXX and XXXX to finally be closed like I 've been requesting BOA to do.

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 11/14/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I filed for Bankruptcy Chapter XXXX in XXXX XXXX. My Bankruptcy was discharged XXXX XXXX. All my creditors stop taking my payments. Bank of America was the only bankthat continued to take payments out of my checking account. In XXXX XXXX Bank of America started a new loan without consulting me. I made numerous attempts to ntact BA to stop them from taking payments and I was not successful. When I went into the banks I was informed that they could not help me and they provided me with the number to the Bankruptcy Department. Again, I had no success to getting through to them. Finally, in approximately, XXXX XXXX I successfully got through to Bank of America and I asked them why they were taking money while I was in Bankruptcy and why they restarted my loan with out my authorization. Bank of America provided no explanation, yet, they sent me a refund cashier check for {$6500.00}. They never reimbursed me interest for time they took my money, yet, they added {$2000.00} in interest to my home loan. I asked if I could do a settlement regarding the balance and I was told they stopped offering settlements. I asked since they made a mistake and taking money during the time that I could have received a settlement if they would retro back and they said no. They took away access to my account away from me on the internet and when I try to make payments at the branch, I am told they could n't take the payment. The only way to make a payment is by calling the Bankruptcy Dept yet, it 's hard to get through to the Bankruptcy Department. I Bank of America continues to calculate interest on the account, yet, they make it a challenge to make a payment. I can see my home loan when I sign in to Bank of America 's website, yet, my access to pay has been taken away.

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 08-03-2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Transaction issue

Complaint: Recently I submitted a dispute against XXXX ( XXXX ) -transaction date XXXX XXXX, 2016 for {$930.00} and received notice from Chase that my claim was rejected. My dispute is BECAUSE XXXX ADVERTISED COMPLETE WOOD SETS, UNDER THE WOOD SET TAB AND DELIVERED RESIN. 

I am escalating this to you because I have proof that my correspondence to Chase on the matter was ignored and hence do not believe my case was handled correctly. Please see the attached wherein I layout to Customer Specialist XXXX XXXX how the merchant misrepresented their product and why I want a complete refund.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX   XXXX , I requested verification of debt and two late payments, it has now almost been 11 months and I have heard nothing other than them sending a credit report which does not prove anything. Per the FDCP A 807 [ 15 USC 1962e ] this i s a violation

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have needed to pay bith XXXX and XXXX student loans through Navient. My payments were morr than what i could afford. I was only working part time. Supposedly Navient signed me up in an income driven repayment plan and that was the calculation. Due to not being able to pay in full my credit was affected. I returned to school to pursue a different career path, should n't my loan payments be stopped until i finish my school?

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have experience nothing but terrible customer service from bank of america. I was charged a  XXXX  overdraft fee for  XXXX . I withdrew funds from the ATM and did n't know :  1. They cha rge a fee for a  XXXX  negative balance.    2.  I have a savings account with over  XXXX  in it. I thought they would be able to pull the funds from my savings like they done transfers in the past.    3.  They so many confusing caveats to their website that a customer should get a  one day training just to fully utilize the online resources I called in to speak with two incom petent representatives about the fee. They tried to bait me into an argument by focusing on all the things I could have done. I did not do these things because the options were not made available. I explained to the  Manager   XXXX   th at I have a savings account that should transfer funds when theirs not enough in my checking.  XXXX  said that only applies to ACH transactions, however per the  Core Banking understanding document it states- " With Overdraft Protection, if you 're about to overdraw your account, we 'll automatically transfer available funds from   your linked savings, credit card or second eligible checking account. On ly 1 tran sfer fee charged per day. I have never had an overdraft fee before and I thought I could trust them, but if I have to deal with employees that are snide and trying to prove a point I can take my business back to  XXXX .  XXXX  makes it know that if it is a transaction about  XXXX  they will charge a fee. Bank of America does not make that fee schedule readily available. It is wrong to loan  XXXX  and get a  XXXX  return on that loan. That 's extortion. Please look at my bank history as well to see how they try to confuse customers and steal their money.

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 09/18/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Application, originator, mortgage broker

Complaint: We recently contacted Green light and Mortgage to refinance our current mortgage went through the options available to us we choice the option that best suited our needs. XXXX XXXX provided us with new loan document and contract and in the contract the follow disclosure was made and I quoteThe locked rate you were quoted, and our rate lock agreement is contingent upon you signing and returning required document within 5 BUSINESS DAYS of receipt. 

If we do not receive the required documents within 10 BUSINESS DAYS of receipt, we will be unable to proceed with your application and it will be cancelled. After this time, you will be required to re-apply and start over. 


We return the signed loan document and contract XXXX/XXXX/2015 through XXXX on XXXX day from the time we initially received them from XXXX XXXX and on the XXXX we sent declaration page and XXXX mortgage document 3 business days from the when we initially received them XXXX XXXX. I call XXXX XXXX and was informed our contract was cancel we did not meet the requirement s set forth ion XXXX page of the disclosure and were expected to pay more interest. 

We met the required obligation within the time frame specified in the disclosure page within the specified business days. In fact today would be the 10th business day of the agreement today. 

While I can understand policy and procedures we meet the requirements but then to be treated in condescending way from XXXX XXXX put me over the edge I am filing a complaint a against Greelight Mortgage with AZG, HUD, FTC. 

We meet the requirements set forth by Green Light Mortgage it is Green Light Mortgage that 's failed to honor their agreement with us

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Closing/Cancelling account

Complaint: I have a credit card with Chase. My account was closed without my consent in XX/XX/XXXX. 
My account was in good standing ( for 24 years ) and I had updated my personal data with them in XX/XX/XXXX. When I attempted to use the card on XX/XX/XXXX it was declined. I called Chase and they told me my account was closed due to lack of a form XXXX. They indicated that they had sent me a letter to this effect which I did not receive. I was also told that if I visited a Chase branch then I could submit the form there and the account would be re-opened. I drove to a Chase branch which was XXXX miles from my work and completed the form. I was told the process would take 1 business day. 
When I called back to Chase on XX/XX/XXXX when the card still failed to work, I was told by another representative that since the account was closed in XX/XX/XXXX that it could not be re-opened.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: We have just completed our 4TH attempt at a loan modification. The first 2 times we filled out this paperwork through OCWEN and we were told that unless one of us dies or we completely lose our jobs that we would never qualify for a modification. The 3rd time we did this, we were successful due to hiring a 3rd party agency ( Paying them {$2800.00} ) ; only to be ultimately denied because of a document delivered to us ( on or about XXXX XXXX ) by OCWEN dated XXXX XXXX, 2016 ( see attachments dated XXXX, XXXX and XXXX ) asking for a payment due on XXXX XXXX, 2016 in the amount of XXXX ( which they received but then returned to me ). 

After being so completely distraught and speaking with Ocwen Agent # XXXX I have been told that my circumstances are unfortunate but I needed to go through the process all over again. See the contract I signed stated that my first payment was due XXXX XXXX, 2016. This contract was dated XXXX XXXX, 2016. On XXXX XXXX, 2016 I received a statement ( payment coupon ) from OCWEN requesting the payment of XXXX be paid on XXXX XXXX ; this is the amount of XXXX and XXXX trial modification payments combined. I TRUSTED that the documentation I received from OCWEN was truthful - however, I have since learned that it was a LIE and a TRAP to cause us to fail! Ocwen ( Agent # XXXX ) stated that since I had been approved for the modification before that I would ( MOST LIKELY ) be approved once again, this time with a lower payment as well. Why did Ocwen continue to send statements with a FALSE due date? It seems VERY apparent that they were TRYING to make us fail by sending contradicting information 3 MONTHS STRAIGHT! 
We were so excited to think that we would be moving forward with the opportunity to have our payment lowered appropriately. 
We have begged for OCWEN to PLEASE SEE WHERE THIS IS A MISUNDERSTANDING and ALLOW US TO KEEP OUR HOME! We can fulfill our obligations based on the modification that they have chosen to reject ... .Ocwen seemingly would prefer that our home be left empty No one wants it ... BUT US! WE WANT OUR HOME! We had it listed with an agent until we found out through working with a 3rd party in XXXX that we were going to be approved for the loan modification. In 90 days we showed the house 6 times and each time we were told it was n't worth asking price ( {$260000.00} ), but more like {$190000.00}. 
Furthermore, the dates on Ocwen 's Modification Appeal Review Completed documents do NOT match up with the dates on my signed contract for the loan modification ... .once again ; OCWEN is at fault for this incorrect information. OCWEN needs to realize this is a communication error on their part! ... .Agent # XXXX even stated that this was clearly a misleading - sending a statement requesting an amount of money on a particular date and then refusing the funds based on a DIFFERENT piece of correspondence that was also sent out by OCWEN .

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (GA).
Issue: Struggling to pay mortgage

Complaint: SLS - The mortgage still shows in the deceased name. A modification was applied for and denied, the XXXX is the eldest daughter. SLS can not prove the notice of intent was served to the XXXX because the letters and mortgage are still in the deceased name. No assistance from SLS when modification was denied - XXXX XXXX medical issues. Due to the irregularity in the notice of foreclosure, the foreclosure should be postponed and mortgage statement is placed in the XXXX of XXXX and XXXX is allowed to make the decision to short sale the property. The wife and XXXX daughter occupy the home - the youngest is UNDER XXXX. Also, this is a HURRICANE DISASTER ZONE. A furlough on all foreclosures in this area was required by the CFPB for 90 days. 

Since there are numerous irregularities on the title, the foreclosure is invalid. Especially because the home is in a XXXX Disaster XXXX. 

The previous CFPB complaint was rejected by SLS stating no authorization. Since a modification was file and I will attach evidence, that is not true. I did email and fax in authorization for me as the attorney on record.

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 11/18/2015 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (ME).
Issue: Loan modification,collection,foreclosure

Complaint: Applied for Mortgage assistance with Fay servicing and recieved and offer of a loan modification by phone on XXXX/XXXX/15 and recieved written offer on XXXX/XXXX/2015. The new mortage payment under the TPP was more than I had been expecting at almost fifty percent of my take home pay. I consulted with my housing counselor who was unable to determine from the modification offer letter the type of modification i was being offered. My housing couselor then contacted my assisigned specialist at Fay servicing to enquire about the offer I had recieved. The specialist informed him that it was a propriortory, that the HAMP modification had been denied due to insufficant income and insufficant yeild. When my housing counselor asked him if a denial letter had been sent, he was told that no letter had been sent to me because they were able to offer me the propriotory modification. Because I was not sent a denial letter, and therefore did not know that my modification offer was not a HAMP, I was unaware of oppurtunity to appeal HAMP denial. Fay servicing specialist has advised me to appeal denial at this time however if a denial letter had been sent to me at time of HAMP denial, I could have appealed sooner and avoided delays in modification process.

Company response to consumer: Closed
Consumer complaint received 12/22/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Deposits and withdrawals

Complaint: I have set up through Bank of America an automatic bill pay toward my student loans. In XXXX 2016 I had refinanced my student loans and my payments were deferred for the month XXXX 2016 and XXXX 2016. I thought I had cancelled the automatic bill pay for XXXX and XXXX 2016. The payment for XXXX did not process. However, the XXXX payment did process. I contacted Bank of America on XXXX XXXX when I saw the payment for {$400.00} processing. I was told that there is nothing that they could do until the payment posted to my account. I called Bank of America on XXXX XXXX when the payment posted to my account and I was told that there was nothing that they could do to reverse the payment since it was done through bill pay. They told me to contact the vendor who received the payment. The vendor initially told me that it will XXXXXXXX business days for a decision regarding my refund request. I contacted the vendor again and was later told it will take XXXXXXXX days for them to reverse the payment and that I should process the refund request through my bank since it was a ACH payment and they can refund the money back to me faster. My bank keeps telling me that it was not a ACH payment and that they can not reverse the payment even though I am disputing the payment.

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 09/20/2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (PA).
Issue: Problems caused by my funds being low

Complaint: About 8 years ago I opened an account with Huntington Bank. I over drafted my account by XXXX $ and I was hit with over XXXX in overdraft fees. There reasoning for this was taking the money out with the largest amount first, because of " importance ''. After a long talk the bank talked me into opening a {$500.00} credit line to protect myself from these fees, they took the money I had deposited and transferred the balance of my fees over to the credit line. I asked them to suspend the entire account so that I could dispute there claims. In turn my credit line sky rocketed to over XXXX due to interest and penalties. I then had another conversation with the bank and explained that I would never pay them a single cent and that all of this came from a XXXX overdraft. I have since learned how to live with cash and have experienced a terrible credit rating. I have had a car loan that I paid on time with no change in my credit score due to this outstanding balance. Now 8 YEARS LATER, I received a payment of XXXX in the mail from Huntington. With a letter informing me that they had noticed I was over charged.

Company response to consumer: Closed with explanation