milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: 10 years ago we bought a house from XXXX XXXX and our loan was processed by them.When we took this loan it was our understanding that it was a 5 year interest adjustable mortgage with the option to renew it at the same term for another 5 years. After the initial 10 year adjustable period our loan will be fully amortized for the remaining 20 years. We took this loan in XXXX, 2006, never miss a payment, and we were ready to see how much will our payment is if it were to be fully amortized for the remaining term but I was shocked when I received the statement from XXXX XXXX who got our loan from XXXX XXXX, that we still have the adjustable rate, and the only difference is they added the principal and escrow, and our rate is adjusting every six months based on the XXXX index rate. To me, this is unfair. It was not fully explained to us when we got this loan..now that we are retired we do n't know what to do. We ca n't qualify to refinance because of our bankruptcy and with our income now, we might not qualify. If only XXXX XXXX loan people explained it to us clearly 10 years we would n't be in this predicament now. We might lose the residence that we lived in the past ten years. I believe that this was a predatory loan designed to prey on elderly people like. I know we signed the papers but it such a thick volume of papers we had to go through, so we relied and trusted the loan officer, that she had our best interest at heart and that she gave us the best loan at that time. My husband is XXXX years old and I am XXXX years old, I do n't think there are still companies out there who would hire us just for us to save our home. What I really want is for our original lender to change the term of our loan and have a 30 year amortized loan so we could afford the payment and keep our home. Our loan is transferred to a new loan servicing company, Specialized Loan Servicing LLC. Thank you for your support.

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 04/13/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2015 I had a disagreement with XXXX XXXX XXXX. I called my credit card issuer Bank of America and informed them of the issue and that I would refuse to pay the charge. I received a letter the last of XXXX to the effect that BofA decided to accept the charges from XXXX. I believe this was a scam on XXXX 's part and BofA had no business making such decision. BofA has since been sending me bills adding fines and interest charges. I refuse to be intimidated and refuse to pay said charges.

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 10-02-2017 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (MN).
Issue: Struggling to pay mortgage

Complaint: My Daughter was about 4 months behind on her home mortgage payment. 
When I found out about it. I contacted her mortgage bank. I inquired as to the amount required to bring the loan back to current status. 
The Bank XXXX M & T Bank Correspondence Address :  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The amount on the statement was XXXX $ mailed to her. 
Talking to a XXXX XXXX from M & T Bank. He told the actual amount needed to bring the the mortgage back to current was XXXX XXXX This amount includes 4 months of back payments, plus the next month payment of XXXX $ for XXXX of XXXX. 
So I payed XXXX on XXXX XXXX XXXX by Electronic Bank to bank transfer directly from my checking account. 
Each monthly payment is XXXX XXXX 

Either Friday XXXX XXXX or Sat. XXXX XXXX my daughter gets another Mortgage statement from M & T Bank. It states she owes one back payment plus the payment for XXXX. This is not correct, because the amount to bring it to current status was already paid in full. Days earlier.

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 03/29/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Other fee

Complaint: Bank of America charged an annual fee of {$79.00}. Although they were charging this fee for the first time ( they do n't charge it the first year to get people to sign up ) they would n't refund the fee even if the account was cancelled. They claim to have sent a notification email, however they made the subject of that email " Your Credit Card Legal Notices Are Now Available '' no mention of a fee. In fact, to see the details about the fee you 'd have to click on a link inside that email and be redirected to their website. Although the fee is for the coming year, 95 % of which is still unused, they refused to waive the fee, or even prorate it saying that once it 's charged they wo n't refund it. This is clearly predatory behavior aimed at bilking unsuspecting customers the vast majority of whom would n't even open an email with the subject line above.

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 05/24/2016 about Consumer Loan (Installment loan) with AMERICAN EXPRESS COMPANY (CA).
Issue: Problems when you are unable to pay

Complaint: I am a XXXX year old widow with serious health issues. When I XXXX I had XXXX and went to a XXXX XXXX for several weeks with ultra high co-pays in addition to medication co-pays. Because I could no longer make payments to a debt management company, for distribution to American Express, XXXX XXXX XXXX and XXXX XXXX Master Card I was dropped from the program. 
Now the above companies are demanding payment, but I am currently unable to pay. My only source of income is Social Security. In terms of health care I am a member of a Medicare HMO with high co-pays. My XXXX has been struggling for the past several years and I am now XXXX. The above companies refuse to give me more time to turn these events around. XXXX XXXX is insisting that I make a payment of over {$500.00} by XXXX XXXX. American Express wants the current balance due of {$1500.00} by XX/XX/XXXX. This is impossible! The calls and notices are never ending. No one seems to be concerned about my current state of health even thought I have been a client in good standing for decades. In many ways I do consider this to be a form of " XXXX abuse! '' Keep in mind that the above companies have tacked on considerable late fees and onerous interest rates above XXXX %. Help!!

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

Complaint: My balance seems to never go down

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (Payday loan debt) with Global Resolution Group, LLC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This complaint is in reference to Global Resolution Group based in XXXX NY. I received a call on my work phone at XXXX, cell phone at XXXX, they called my ex-husband at XXXX, and finally called my husband at XXXX all on XXXX XXXX 2017.  When they spoke with my husband, they told him they were trying to reach me in reference to a claim against me. They wanted him to verify my date of birth and my ssn which he refused to do over the phone and told them they would need to send something to us in writing via mail. They told my husband they were going to flag this as a forced claim and send it on up. I looked them up online and could find very little information about them or their company aside from their website. There are very few reviews about this company. I also looked them up on the Department of Professional Occupational Regulation in New York and could not find them listed as a licensed business in New York. Internet loans are not legal in Virginia and there have been several class action law suits filed in the last few weeks against internet loan and payday loan lenders. The person who called stated ( on my voicemail ) he was doing a pre-legal review of my claim. This is the first time I have even been contacted by this " company '' and feel as though they were threatening to take legal action against me. I also tried to find the location of the company on XXXX maps and the address they have listed shows up as a tree on the satellite imagery. Interestingly this group is located on the same block that internet lenders and payday lenders have listed as entities loans have been " sold to '' as well, they are all within a one mile radius of each other.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an account no companies name listed # XXXX which I do not owe on any medical debt this is a mistake and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit card () with DISCOVER BANK (FL).
Issue: Advertising and marketing

Complaint: I was mailed an offer from Discover for a rate of 15.24 %. I called to verify the offer before I applied for it online and was told it was correct. When I applied with them my credit score was a XXXX. My promotion ended with them and now they have charged me a rate of 23 %. That 's insane. When I spoke with a manager they said they would lower new purchases to 18 %. They said when I opened the account it was 22 %. Why was I offered a lower rate today when my score was higher at time of opening? I want what I was told. I feel like they are trying to rob me XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I opened a home equity line account with Bank of America in XXXX of XXXX. When I did my home refinance with XXXX bank in XXXX XXXX of XXXX, I called Bank of America to keep this account of mine open. Bank of America promised me that this account would be kept open no matter what. However Bank of America closed my home equity Line account without any reason. Even worse, Bank of America charged me a fee for their mistake. 
When I called Bank of America, I was told that I could re-apply for a new home equity line account. I followed their advice but Bank of America ate its own words and turned down my application. 
Why Bank of America should cheat its customer repeatedly? 
Please help me. 
Thank you!

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 08/20/2015 about Debt collection (I do not know) with National Credit Systems,Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have XXXX accounts that are showing up with this company that were a result of my id 's being stolen and are fraudulent they are reporting on my credit file and the companies records

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have  disputed Santander wi th  XXXX  several times. The charge off amount is incorrect, the charge off date is incorrect, the last payment is incorrect, and the balance is incorrect.  XXXX  has already deleted the WRONG information from that bureau but   XXXX    continues to come back verified. I know this information has not been verified because the information is inaccurate. The last payment date is very wrong and I b elieve Santander  is trying to re age the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: These addresses are errors. 

XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, GA 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 non-monetary relief
Consumer complaint received 04/15/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed inquires that was not made by me however i have not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: MY COMPLAINT UNDER OPEN CASE # XXXX WITH THE CFPB, EXPERIAN STATED THAT THEY NEED ANOTHER 60-DAYS TO INVESTIGATE MY CLAIM. THIS IS IN VIOLATION OF FEDERAL LAW WHICH GIVES THEM ONLY AN ADDITIONAL 15-DAYS, NOT 60-DAYS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Struggling to pay mortgage

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX  s agent,   XXXX   XXXX   XXXX        XXXX , and  Nationstar  egregious and unconscionable conduct has been reminiscent of the  XXXX  scandal.   XXXX   XXXX   XXXX   XXXX   's agents have chosen to cover up their wrongs and self-correct opposed to letting the judicial system work.        XXXX   XXXX   XXXX    and  XXXX  scheduled a foreclosure sale on my property after accelerating the note ;  XXXX  was conveyed a Trustee 's Deed ;  XXXX  was awarded Judgment of Possession ; I 've adversely possessed the property after the execution of the Trustee 's Deed ; I filed suit to reverse the invalid sale and stop post-foreclosure eviction which is currently pending,  XXXX  secretly sought to rescind the sale without authority and during the pendency of the lawsuit ;   XXXX   XXXX    XXXX  secretly sought to reinstate the loan during the pendency of the lawsuit after the foreclosure sale and transferred the secretly reinstated loan to Nationstar to collect.     I have filed ov er 70 complaints with the CFPB, the governmental agency that oversees these servicers. My complaint history starting in 2014 documents the Bank 's agents reprehensible conduct. Notwithstanding, there h as only been subsequent acts of deceitfulness, trickery, and fraud after each complaint filed. Understandably the CFPB ca n't advocate on my behalf, but this is good source for documenting the fraud and ensuring the government has  an audit trail o f the consipracy.     I will be filing grievances with the   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  against  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX   XXXX . These attorneys have lied to the Courts, filed  Court  motions and pleadings with lies embedded ; have concealed information from the Courts such as the alleged Rescission, and has filed affidavits to support the conspiracy. These Officers of th e Court  has violated the Texas ethics rules governing attorneys ' behavior. Attorneys should advocate for their clients, but lying is unethical.     The transcripts and docket entries from  the County, State, and Federal Courts, CF PB records, and other agency 's records will substantiate my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed a late payment from XX/XX/XXXX with XXXX on Trans Union. I provided documentation showing where the error was on their part. XXXX had agree to remove the late pay on their system based on this documentation. Trans Union did not remove it on my file. This is NOT MY ERROR. If the lender agreed to remove it, why did Trans Union leave it on my file after the dispute?

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 08-10-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: My loan was Previously with XXXX it was sold to Ocwen LLC SINCE this time it has been a nightmare to say the least. Very unprofessional company to deal with. I have been hit with so many different type of fees with out explanation as to what they are really for. I contact customer service for assistance with a modification year after year and I still get the same answer we can not assit you, however they still continure to tack on unnecessary fees making it difficult to maintain the mortgage. I feel like this is preditory lending at its best. And Customer Service is the worst. I have asked for a call back from my relationship manager and to this day the only call I recieved was a call from a person that had no clue as to what my concerns were or what I needed assistance with. 

Never do business with this company they are the complete worst!

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Our client was previously married with both him and his wife on note and mortgage. During the loan modification review process, we provided a quit claim deed along with dissolution of marriage awarding our client the house. Nationstar Mortgage provided a loan modification to our client with just his information, provided trial documentation to support just in his name, and when it came time to finalize the documentation, now wants all of the wife 's information. Our client/our office was very clear about the circumstances of the loan modification being in his name soley and were assured repeatedly and in writing, that it would not be an issue. After taking our client 's XXXX trial payments, they are now indicating that he will need to refinance to remove wife 's name.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Per the credit report attached, a payment arrangement was made via XXXX on behalf of University XXXX XXXX. The first on-time payment was made XXXX/XXXX/2016. The next payment scheduled is on XXXX/XXXX/2016. 
In reviewing my credit report Experian has reported late payments in XXXX and XXXX 2016 is incorrect. 
Upon reviewing my credit report, I contacted XXXX and was told they did not report this information to Experian. So Experian has to correct immediately!

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 11-12-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX my husband and I purchased our XXXX home. Interest rates were much higher then and several years later we decided to refinance at a lower rate of 7 % -still very high compared to current rates. The loan officer said there appeared to be an error on the original loan. The mortgage had my husband 's name, a married man along with his wife, as the borrowers on the loan, but my name was not on the document. He said it was likely an oversight but of no consequence, he would just correct it. I did n't think about it again. Several years later my husband and I divorced, and my ex husband quit claimed the home to me as part of the divorce agreement. In XX/XX/XXXX it became increasingly difficult to make my monthly mortgage payment. My interest rate was still 7 % and I applied for a Harp loan which would greatly reduce my payment. I was surprised to learn that I could not apply for a Harp or refinance the home because although it was my name alone on the deed of record, my name was not on the mortgage. This Is a very unusual problem. Most people try to have their names removed, especially after a divorce. In this case I was lowering the risk to the bank by adding myself to the mortgage. However, trying to deal with my mortgage company or bank as they are the same, proved to be more frustrating than anything. They did not know what I could do, offer me any help or have any idea how to help me with this situation. The one thing I was told was that they would not add my name to the mortgage. I do n't understand why they would refuse and they never explained so I still do n't know. Had I just left things as they were then, I would 've just lost my house. I had no choice but to use an attorney. From that moment they refused to accept any payments as we were in litigation until there was some resolve. After TWO YEARS, they finally acquiesced to my request and agreed to add my name to the mortgage. The bank then totaled the amount I would 've paid over those two years, which included the principal, interest, taxes and insurance, and simply tacked it on to my loan amount. This also meant that on top of the interest that was included, I would be paying another 7 % on top of that! How is this at all fair or even legal? They took a full two years to decide to grant my request and then profit from taking so long! My situation was exploited and I was exploited as well. Is there any protocol for this type of situation or are consumers simply at the mercy of their banks? And what was the reason for the two years it took for them to finally agree to add my name? Was there any reason to deny me other than increasing their profits by adding up more payments to double charge me interest? How is this practice legal because it feels terribly wrong and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with JPMORGAN CHASE & CO. (LA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Just stated account updated i didnt receive no letter or info on account example repo how much sold for plus never received letter when car be sold to have chance buy back only phone call saying car sold

Company response to consumer: Closed with explanation