milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2017 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (FL).
Issue: Settlement process and costs

Complaint: Client is a non-borrowing spouse on a reverse mortgage. The XXXX spouse died on XXXX XXXX, XXXX. Upon husband 's death Financial Freedom contacted non-borrowing spouse and advised that in order for her to remain in the home, non-borrowing was to provide a tolling agreement and several other documents XXXX death certificate and marriage license XXXX to Financial Freedom. XXXX XXXX spouse sent the tolling agreement to Financial Freedom by XXXX, tracking number XXXX. This tracking number shows that the documents were received by Financial Freedom on XXXX XXXX, XXXX at XXXX. Moreover, on XXXX XXXX, XXXX non Borrowing emailed the required documents to XXXX XXXX at XXXXXXXXXXXX. On XXXX XXXX, XXXX XXXX XXXX confirmed that he had received the documents by sending a text message to Non-Borrowing Spouse. Non-Borrowing Spouse has since heard nothing from Financial Freedom or XXXX XXXX. On XXXX XXXX, XXXX we called Financial Freedom and were told that none of the documents submitted by XXXX XXXX Spouse have been received and that it XXXX take " a while '' for the documents to be uploaded to their system. Financial Freedom sees to disregard the time element of due and payable due to the death of the borrowing spouse and ignores the fact that the non-borrowing spouse has XXXX says to submit her documents to Financial Freedom as required by HUD. Financial Freedom 's delay is causing harm to the Non Borrowing Spouse and is prejudicial to her ability to remain in her homestead.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a Chapter XXXX discharged bankruptcy that 's reporting on my credit report. After contacting Experian I was told that the bankruptcy was verified as mines and that it could n't be removed. I asked the Experian representative what could I do? XXXX did an investigation and told me I had a mixed file. I was told by the Experian rep to contact XXXX and I did. XXXX sent me a report with their investigation and stated that they removed the bankruptcy. My local bankruptcy court in the XXXX District of Illinois stated that there 's no bankruptcy reporting on my social security number. After XXXX reinvestigation, they have removed the bankruptcy from my report. Please find I 've included my local bankruptcy court communications, XXXX statement of bankruptcy removal, XXXX proof of bankruptcy deletions.

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 10/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: According to the Fair Credit Reporting Act ( FCRA ) the consumer reporting companies role is to review the accuracy and completeness of any dispute by contacting the source XXXX creditor/s XXXX and to inform the creditor/s of all relevant information regarding consumer 's dispute. For over one year I have asked why the XXXX XXXX Account is being reported as an adverse account or an account that may be considered negative. The credit agencies have failed to address this very issue. The only responses received from the credit agencies are that the XXXX XXXX account is being reported accurately. 
I have written letters to XXXX XXXX asking why account is being reported as an adverse account or an account that may be considered negative. XXXX XXXX concluded that they have certified that account is reported accurately as open/current with no delinquencies. 
A letter from XXXX XXXX stated that their responsibility to their customers is to report accurate payment history and that they have no control over how the information is interpreted by the credit agencies. 
Why are the credit agencies insist on reporting XXXX XXXX Account as an adverse account or an account that may be considered negative? These credit agencies have yet to address why account is being reported in this manner. Reporting account as an adverse/account that may be considered negative is having a negative impact on credit scores. 
Items found under accounts that may be considered negative include late payments, charged off or sent to collections, bankruptcies, liens and judgments or account that are not necessarily negative, but that a potential creditor might want to review more closely. XXXX XXXX account does not fit any of these categories.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (FL).
Issue: Loan servicing, payments, escrow account

Complaint: After the transfer of my mortgage loan from XXXX XXXX to Selene Finance. A payment was not credited to my account. Furthermore, the loan, at the time of transfer was in payment 4 of a trial loan mod. All of the payments had been made and cashed early : between 8 and 26 days early. Instead of receiving permanent modification documents we received notice of the transfer of the loan to Selene Finance. We continued to make payments under the terms of the modification. Selene offered a modification but with terms substantially different than those in the program we were in. The terms are very unfavorable to us with the interest bearing amount they want being {$170000.00} on a principal balance of {$100000.00} and a house valued at {$110000.00}. They now have rescinded even that offer and have asked for the total amount due because they say that payments are late. In fact all 9 payments have been early - an average of 22 days. Selene Finance has not credited one of the payments - that for XXXX, and therefore they are saying XXXX, XXXX, XXXX and XXXX were " late. They returned the XXXX payment which was made XXXX XXXX and returned XXXX XXXX. They have rejected the payment because they will not accept a partial payment and want the entire delinquency. After the transfer we contacted Selene several times using for a permanent modification under the terms we were offered. They have this trial modification documentation. I know this because they sent it along with other paperwork to us. We have asked them, in writing, for an accounting several times of the Attorneys fees and corporate advances totalling over {$10000.00} together. To date we have not received and answer.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My  Chase account  was never closed as a cancellation of debt according to a received  XXXX  from them. IRS added this amount to my   XXXX   income tax and I was obligated to pay additional taxes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, 2016 To whom it may Concern : I, am stating I sent Ocwen Loan Servicing , LLC a letter of settlement of account by certified mail on XXXX XXXX, 2016 and a QWR by certified mail on XXXX XXXX, 2016 and Ocwen responded back to me on QWR on XXXX XXXX, 2016. I still have n't received answers/concerns regarding the loan. I am requesting a {$13000.00} settlement or modification of {$24000.00}. 


Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Shopping for a loan or lease

Complaint: I paid off a car loan in full to Hyundai Motor Finance on XXXX XXXX 2015 & received a letter stating I had paid in full. In late XXXX 2015 when applying for a home loan, I learned from the lender that the debt was NEVER reported to fico as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have both private loans and federal loans that are serviced through Navient. Every time I have tried to have them work with me in regards to making my payments affordable their only solution is forbearance. They have no other options and state there is nothing else they can do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: After  XXXX   XXXX   XXXX  I was arranging a Short Sale with the Lender,   XXXX   XXXX    XXXX , and a predatory lawyer tried to foreclose on my property.   To forestall this I filed a " Rumor Of Bankruptcy '' Chapter  XXXX  in  XXXX / XXXX / XXXX  and it was subsequently Dismissed on  XXXX / XXXX / XXXX .   It happened again in  XXXX / XXXX / XXXX  and I filed another " Rumor of Bankruptcy '' Chapter  XXXX  and it was Dismissed on  XXXX / XXXX / XXXX  Although I did not actually go into Bankruptcy these items were reported as " Derogatory Items '' on my  XXXX  Credit Reports and classified me as Bankrupt and my Credit Scores became very low.   I wrote to the Credit Bureaus and they stated that they were reporting information found on the   XXXX   public records.   I then wrote to t he CEO 's o f the  XXXX  Bureaus on  XXXX   XXXX   XXXX  and complained about this case. Nothing happened. No one will talk to me about this matter.   Thus the filing of a  XXXX   XXXX , subsequently Dismissed is mis-classified as though it actually went through to fruition.   ( I think this is due to the fact that the Bureaus do not want to go to the trouble of investigating which filings actually resulted in Bankruptcy ) I do not wish to have my credit ruined because nothing actually happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (IL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Today on XX/XX/2018 my navy federal account was frizen without any notifaction!! No rmail no call. When i called i find out that because if XXXX XXXX XXXX  there was a account with XXXX that would not be removed because it was so called verfied and accurate!! Thats was my second time telling XXXX XXXX I have never had a account with them and they have not sent any prove of signature or anything for this account. Just a letter saying verfied! I have XXXX kids and having my account frozen without any warning is very stressful and dangerous for a single mother who is already struggling! This was not the correct way to go about buisness for neither 3 companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am attempting to get a mortgage and received a copy of my credit report from the Mortgage Company. My last home that I sold ( the Mortgage was with XXXX XXXX XXXX. ) is listed as unrated from the bank. This is then pulling as a foreclosure through direct underwriting. This home never went to foreclosure, and I have a copy of the HUD 1 statemnet to prove it. I have spoken to XXXX XXXX, but they say they will not discuss it, I need to send a letter and it can take up to 30 days to get an answer from them.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Between XX/XX/2017 and XX/XX/2017, I called Bank of America to close my checking account. During the call, the account was closed and I was told that the remaining funds ( about {$1200.00} ) would be sent to me within 2 to 3 days. After 9 days, I called again to see where my money was. The representative said that the funds arrive between 7 and 10 days from the date of closing the checking account. Now after almost 2 weeks, I still do not have my funds.

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 12/30/2015 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (MS).
Issue: Taking out the loan or lease

Complaint: I purchased a vehicle on XXXX from XXXX and I was approved twice through American Credit Acceptance. Now I am receiving a call from XXXX stating that I need to return the vehicle because they could not verify my income. I have been working XXXX for 13+ years and its not hard to find out. I received another call that stated that ACA was not going to finance the vehicle now. My question is why was I approved not once but XXXX in one day and now all of a sudden after I have had the car for 13 days they are declining my approval? I called the company that is in my contract for approving my car laon and they do n't even have me in there system with a name or anything pertaining to the car I received. XXXX is n't telling me anything but bring the car back and they ca n't even give me answers as to why this is happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX obtained a copy of my credit report on a debt that had been paid. I called Experian and asked why they were able to obtain my credit report when no permissible purpose was granted and they have no permissible purpose. 
" FCRA 604. Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 3 ) To a person which it has reason to believe " FCRA 607. Compliance procedures [ 15 U.S.C. 1681e ] Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec-tion 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604 [ 1681b ] of this title. '' ( A ) intends to use the information in connection with a credit trans-action involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; '' The FCRA does NOT limit a consumer to {$1000.00} per violation. That limit is for statutory damages under the FDCPA, not for civil liability under the FCRA. 
Civil action under the FCRA is covered under FCRA 616 for Willful Noncompliance, and FCRA 617 for Negligent Noncompliance. 
FCRA 619 provides that " any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. ''

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 07-02-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Rec 'd a notice of hard inquiries on my credit report XXXX. We are not applying for credit nor trying to increase any credit cards. Why a hard inquiry in notated on my report is unknown and is in error.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (PA).
Issue: Other transaction problem

Complaint: My account with Coinbase is restricted and is currently shown as negative ( -XXXX ) due to problems with my bitcoin buys from my XXXX XXXX credit card. Coinbase is not responding to my support requests. This problem was because two purchases were mistakenly disputed ( I have alot of purchases and mistakenly did not recognize two of them ). One was for XXXX and the other for XXXX The dispute of XXXX was ultimately found in ( coinbase ) favor and it was recharged to my credit card account. The other dispute of XXXX is still pending. Since the dispute was settled in their favor my account should be negative ( -XXXX ) and not negative ( -XXXX ). Due to Coinbase restricting my account I am unable to access bitcoins currently worth {$170.00} already in my Coinbase wallet because they want me to pay -XXXX instead of -XXXX. If they want me to pay XXXX to regain access to my account that is fine. However, they are trying to double bill me by saying my account is negative XXXX. Attached is proof that the XXXX was rebilled to my account. The first attachment is a secure message from capital one saying coinbase won the dispute and that I was re-billed. The second attachment is my actual credit card statement showing I was successfully re-billed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo postures that they are in favor of keeping people in their homes. As per their website they participate in the federal government 's Home Affordable Modification Program where they " help keep people in their homes when facing a significant hardship '' where the borrower is " allowed to make lower payments. '' They offer " mortgage assistance events '' and state " we are here to help you. '' ASC recently assigned to me my own new " home preservation specialist '' there to offer " mortgage assistance ''. In XX/XX/XXXX as per their annual report, Wells Fargo " adjusted loan terms, lowered rates or reduced principal ( or a combination of the XXXX ) '' and " forgave XXXX in principal ( by far the industry leader. '' And in XX/XX/XXXX annual report Wells Fargo claims to have " forgiven more than XXXX in mortgage principal '' and hosted " more than XXXX home preservation events. " That is a stark contrast of what Wells Fargo recently did to my mortgage. In XXXX XXXX, Wells Fargo increased my total mortgage payment from {$4000.00} to {$5500.00} - an increase of {$1400.00}. This is a fixed rate loan of 7 % which is high to begin with. That is a whopping XXXX percent increase on a monthly payment. They increase escrow from XXXX to XXXX a whopping XXXX percent increase. Taxes and insurance did n't double in the last year. What they also did was increase the payoff portion of the loan by {$18000.00} a year and are sucking the equity out of the property and placing it into the " overdue payment '' portion of the loan. 
Wells Fargo is acting in bad faith here. They claim their goal is to keep people in their homes by participating in HAMP, offering home preservation events, assigning home preservation specialists and claiming to reduce XXXX in principal. The reality is they increased my monthly payment by XXXX percent, increased escrow by XXXX % and are adding {$18000.00} a year to my payoff amount each year even though taxes and insurance have not doubled. They are acting in bad faith here. They profess to perform actions to keep people in their homes but they increased payments and payoff amounts making it more difficult to make payments or refinance assuring that people will lose their homes. The CFPB recently found " The XXXX companies about which the CFPB received the most mortgage-related complaints between XXXX XXXX to XXXX XXXX were Wells Fargo, XXXX XXXX XXXX, XXXX, and XXXX XXXX. '' Wells Fargo 's antics are in bad faith. From jacking up payments to more than doubling escrow amounts to increasing payment by {$18000.00} is disgraceful and is counter to " keeping people in their homes. ''

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 11/28/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We were denied 9 times through an attorney to obtain HARP assistance and finally had to submit to a 40 year re-finance through Wells Fargo at 6.875 % interest or they threatened to foreclosure on our home. For 10 years we made our payments on time and never late. I am XXXX years old and my husband is XXXX years old and we will never be able to pay off our home now. My husband retired 5 years ago after almost 40 years of XXXX XXXX. Wells Fargo added missed payments to the existing balance of our loan which was incorrect. Therefore, our previous balance went from {$130000.00} to {$170000.00}. The refinance was unethical and we think the loan is a predatory loan. We would like to get some help as our {$1500.00} monthly payment to Wells Fargo is all interest save {$55.00}. Disgraceful!!!! Please help.

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