milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-12-2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (DC).
Issue: Struggling to pay mortgage

Complaint: I have been working with XXXX to save my home. My lender ( Wells Fargo ), after I submitted paperwork from XXXX in XXXX, including, hardship letters, bank statements and tax returns told me, via phone call, I did not qualify for a loan modification because I was " over 37 months delinquent '' and made no indication of reviewing the documents submitted by XXXX. 

When I spoke with the Wells Fargo representative, on XX/XX/2018, I was told that I was 1 ) Considered as delinquent since I was not paying the full monthly mortgage figure ; and 2 ) Had extra late fees now attached to my mortgage ; and 3 ) was in a category identified. The only option I had was to pay the full amount owed {$110.00}, XXXX by XX/XX/2018 or conduct a Short sale on the property. 

As of today, I have not received a denial letter from Wells Fargo underwriters with notes for the denial regarding the rejection for loan modification. All I want to do is pay the amount I owe, less the add-on penalties and late fees, and restructure the loan. I have attempted to sell the condo two times in the past five years, but have been unsuccessful, due to condominium management negligence. I am in imminent danger of foreclosure. Filling this complaint is my last resort. 

I have a court date scheduled for Friday, XX/XX/2018 for a foreclosure hearing.

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 02-10-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX Bank of America foced closed my account without notifying me. At the time the closed it I had XXXX direct deposit XXXX of XXXX and another of XXXX. I have called several times and was told mutilple different things about how I could receive my money now that they closed my account that they refuse to reopen. I was told at first that they would reopen the account so I could access my funds after not being able to sign in I called back and was informed that it was n't even possible to open a closed account and that my money would be send to me at their discretion. So I continued to call hoping to optain my XXXX dollars, when another representative told me to go to the local bank open a new account and they would transfer the money over. I get to the bank they say I am not eligible to get a new account so back to square XXXX. Basically they are holding my money no one know how I can get it or why they even accepted money in an account that they decided to close. Still waiting on a call from there enterprise customer care hoping they will help me but basically everyone on there staff has different information and approximately half of them are so rude it makes me sick to keep trying to contact them about this issue.

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 05-07-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for assistance for my mortgage with Nationstar and was denied for a loan modification on XXXX XXXX, 2015. The reason for the denial was due to an error in calculating my net income. I make tips and my tips are shown ( separately ) on my pay stubs apart from my base salary. Whom ever calculated my net income DID NOT count my tips which are also shown clearly on my pay stub. I appealed the denial from Nationstar by mailing in a written appeal via my attorney and it was confirmed received by Nationstar on XXXX XXXX, 2015. This was within the 30 day period in which I could appeal their obvious error. Nationstar never replied to me and upon having my attorney contact them today ( XXXX/XXXX/2015 ) they state my appeal was denied. My attorney asked them why no letter went out as a response to my appeal and the person who answered the phone simply refused to state why. My attorney advised me that this is common for Nationstar that they continually block people from review for assistance. They are now commonly NOT sending out the required responses and replying within the 30 day period required by law. I am very upset they did not reply to my appeal as they made an error that may cost me my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/24/2018 about Checking or savings account (Checking account) with U.S. BANCORP (AZ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I deposited a check from my brokerage account to my US Bank checking account in the normal course. Us bank sent me a letter indicating they had reason to believe the check would not be paid. Customer service at us bank sent me to fraud, and then to my branch to resolve. They could not resolve the issue which was an unreasonable hold of 14+ calendar days to clear the 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 04/21/2015 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The collection agency is under a law suit

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Re : NEW COMPLAINT IN ADDITION TO COMPLAINT # : XXXX FILED ONXX/XX/2015 Lender : NATIONSTAR Mortgage LLC XXXX XXXX XXXX XXXX, TX XXXXThis is to inform CFPB that since XXXX XXXX, 2015 when I filed complaint ( number XXXX ), listing several concerns, Nationstar has continued to make unwarranted phones instead to responding to calls initiated by our attorneys, with whom it needs to work out a resolution of our loan modification. 

On XXXX XXXX, 2015, CFPB emailed us the following notice from Nationstar : '' Response : Please allow us additional time to further our review, currently we are waiting on an update from our Loss Mitigation Department. Once this completed we will update you with our resolution letter. Thank you. " Since the above dated response, Nationstar has " robo '' called our home on twelve times on the following dates ; their messages were retrieved from our home telephone : Sat., XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015XX/XX/2015 - day we received your notice they needed additional review time. 

ACTION REQUESTED : They need to stop these blatantly unjustified calls at your direction.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Credit line increase/decrease

Complaint: Each month I receive my credit card statement I make a payment usually the minimum amount due and sometimes a little more. Once I make a payment the amount paid is reflected as my available credit plus any credit that has remained from the last statement. Example : I receive my statement and the minimum amount due is XXXX. I make the payment in the amount of XXXX dollars and my credit card account shows XXXX dollars available credit plus any existing available credit remaining from the last statement. The issue or concern I have is that when I receive a new statement I have a new minimum amount due and my available credit has been reduced subtracting interest that has accrued instead of the interest being calculated along with other transactions that would give me my monthly minimum amount due. It 's almost like I am being double billed. It is my understanding that the interest charges are calculated in the minimum amount due each month and the only time available credit would be reduced is when purchases are made.I do n't know any other bank or financial institution that reduces your available credit because of interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (OK).
Issue: Loan modification,collection,foreclosure

Complaint: I have been in a foreclosure case since 2012. I have taken the case to the federal level to get JP Morgan Case and XXXX, a XXXX company to prove they have claims on my property. I have been a XXXX for four years and have gone through more than 2 years XXXX for it. This case is highly fraudulent, involves robo-signers, transferring of accounts while the Debtor, me, was in bankruptcy, XXXX assignments, XXXX mortgage assignment after they closed, etc. I have sent a copy of my Motion to the Whistleblower site, and would love to attach it to this complaint form, too. NEVER at any time has a loan modification been offered. JP Morgan is trying to foreclose on my home to which they neither obtain a mortgage or lien on. XXXX has told me several times my loan is paid and the balance is XXXX. I used my right to redemption and made a payment that is being denied. Fraud is being perpetrated upon the Court and I am tired of the run around in this case. XXXX became my service provider without any form of notification. JP Morgan never told me they were transferring the account. I found all of this out by looking at my own XXXX XXXX in the XXXX Courthouse. I also know that when a loan goes into default, the PMI will cover the loan to the Lender. The original lender to this mortgage was XXXX, and then XXXX became involved. It was not my understanding that XXXX would be involved with the mortgage of this home. There are so many issues in this that it is incredulous to me that this case has not been thrown out and discharged. Actually, my home was discharged in 2012 in a bankruptcy case when I had to foreclose after I discovered my own spouse was gambling and using funds for his own pleasure. I was married 20 years and my husband and I were filed for divorce not long after I found out I had a XXXX. I have been put on Social Security XXXX due to the change in my own XXXX and am unable to continue in my profession XXXX. 
Please contact me about this case!

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Credit card () with CITIBANK, N.A. (MA).
Issue: Credit line increase/decrease

Complaint: Credit card company lowered revolving credit line. I have paid balences all along with over XXXX in assests. This has affected my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (Credit card debt) with Central Portfolio Control Inc. (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I have been receiving repeated phone calls from the company Central Portfolio Control Inc . I received a phone XX/XX/XXXX stating that I owed a debt on a XXXX XXXX and needed to make payment or setup a payment plan right away. If I did not do so then I would be sued or my wages garnished. I however refused a payment as I am still unaware of the collection in question. I was never sent any information regarding the said debt from the original debtor or from CPC. My spouse is now receiving phone calls to his place of business with the same threat : If I do not pay the debt they will garnish my wages. Latest phone call was -XX/XX/XXXX at XXXX XXXX. I am aware that the debt in question is well out of the statue of limitations. The threats and harassing phone calls made to my spouse 's place of employment are unlawful. The threats and phone calls made to my personal cell phone number are unlawful. The CPC has not provided any hard copy proof of the said debt in collection : I have no judgement or collection on my recent credit report - printed XX/XX/XXXX : nor have I ever received any information or contact from the original debtor.

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 01-02-2017 about Consumer Loan (Vehicle loan) with TCF NATIONAL BANK (TX).
Issue: Managing the loan or lease

Complaint: I am writing this letter to file a formal complaint against Gateway One Lending & Finance. On XX/XX/XXXX I purchased a car using XXXX. The contract was quickly assigned to Gateway One Lending. On XX/XX/XXXX I had a car wreck. My car was immediately taken to XXXX. The repair bid is attached. The insurance carrier and Gateway had a conversation regarding my car being totaled. But upon the insurance carrier speaking to me, I was told the car would be repaired. On XX/XX/XXXX I spoke to XXXX at Gateway. He informed me that it did n't matter if the car could be repaired, that Gateway does not finance totaled cars. I immediately went out to purchase a new car. See attached sales contract. My wrecked car was still in the shop being repaired and was completed. The insurance company paid for the vehicle. Gateway was informed. They later came to pick up the car and sent me letters stating I was liable for the difference. See attached letters. 
I am a person who pays her bills. I have excellent credit reflecting that I pay my debt. I stopped paying this car only after I was told they would no longer finance my car. 
At this point I have been dealing with this matter for a year. I am not asking for any emotional or financial damages. I only want the item removed from my credit report. 
I hope you can assist me in this matter. I am trying to avoid filing a law suit against Gateway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: I was on the phone with Bank of America customer service for over an hour today trying to change the name they had for me on the computer to the name they should have had that was listed on the loan application they accepted. I did business with BofA 10+ years ago and funny thing is they had updated my email and phone number to my current one listed on the loan app but they did not fix my name or address. The loan dept told me they would transfer me to the online dept and they should fix it easily since all of my loan paperwork was correct. I got transferred and told the lady what my issue was and she asked my name to which I replied my current name and she said I 'm sorry that is not what is on the acct I said I know that is why I am calling and she said well I need you to verify the correct name so again I gave her my correct name and she said that was n't right and transferred me back to the loan dept. The loan dept then tried to get it changed themselves, it did n't work, she transferred me back to the online dept who this time told me I would have to go into my local branch to verify my identity. I told them there was no local branch and they transferred me somewhere else this time and after explaining my situation all over again the lady said we can do it through mail but I do n't have the papers I will have to transfer you back to the loan dept. Again I held but this time it was for 30 minutes and I just gave up because I am at work after all ....

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 04-07-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have made several attempts to access the Experian Online Dispute site. In addition, I have made attempts to access my annual Experian report online. However, I am continually unable to login via my information or report number in the Experian Online Dispute Site. I have been able to only login on one single day recently, though when I entered the same information the following day Experian has an error message and will not allow me to access the site. 

I have sent three letters to Experian over the last two years regarding this ongoing issue. Experian representatives at their call center indicate they do not know who manages the Experian Online Dispute Site and that no one can assist me in troubleshooting the ongoing problem. 

One representative told me Experian limits the number of time you can login to dispute items within a certain time frame to prohibit users from abusing the dispute site to view their credit reports. Two representatives told me they know the number of times but will not tell consumers the number and time span.

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 01/27/2016 about Bank account or service (Checking account) with DISCOVER BANK (KY).
Issue: Account opening, closing, or management

Complaint: I opened a checking account with Discover Bank on XXXX XXXX, XXXX during a promotional period that offered a {$300.00} reward for opening a Discover Cashback Checking account and making two direct deposits within 90 days of account opening. During the online application process I saw a notice confirming that the promotion had been applied, but I also called shortly after I had finished applying and had a customer service representative confirm my eligibility for the promotion and that it had been applied to my account. I completed my second direct deposit on XXXX XXXX, XXXX and waited a whole month before calling Discover to ask about the promotional reward ( the offer stated it could take up to 30 days after the second direct deposit to process the reward ). On XXXX XXXX, XXXX I called Discover to inquire about the promotional reward and had a representative confirm both my eligibility for the promotion and that the requirements for the promotion had been met ; the representative said he or she would submit a ticket to the department handling promotional rewards so that I could receive it. After not receiving the reward for several days, I called discover again on XXXX XXXX XXXX and was told the same thing as the call on XXXX XXXX : that I met the requirements for the promotion and that he or she would submit a ticket to the department responsible for issuing promotional rewards. After not seeing the promotional reward or hearing from discover bank for nearly 3 weeks, I called again on XXXX XXXX XXXX and was soon connected to an account manager. The manager I talked to on the XXXX told me that although the promotion had been applied to my account and I received confirmation and met the requirements for the promotion, that I was ineligible for the promotion because it was " targeted. '' I asked the manager to elevate the issue to someone higher and she told me she could file a feedback request on my behalf, but that was the end of that. I have yet to hear back from discover and fear that I will not be contacted yet again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-05-2016 about Payday loan () with BlueChip Financial (WA).
Issue: Charged fees or interest I didn't expect

Complaint: I have applied loan from Spot Loan {$800.00}. I have found out that their fees is too high and they do n't have license in state of Washington. I asked want to pay principle balance only. but they did n't agree. and Now collection company harassing and threatening me by phone every day to collect more than principle amount. They said they 're going to sue against me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: To whom it may concern, I mailed several letters of dispute last one being certified on XX/XX/XXXX in regards how XXXX Mortgage is reported on my credit report. Once again within a few days it comes back as verified. XXXX is reportinb me to be anywhere from 30 to 90 says late and being over 100,000 behind. They only purchased my mortgage in XXXX from another servicer. In XXXX I obtained a government modification which at that time my acct was at a XXXX past due and my new payment became XXXX a month. It does not add up. I am given the run around when it comes to verification. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of 1681 ( a ) ( 4 ). Under section 611 ( 5 ) ( A ) of the FCRA it states the CBA is required to promptly DELETE all information which can not be verified.

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 10-06-2016 about Debt collection (Mortgage) with EAST WEST BANK (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: East West bank asked me to be a guarantor for my husband 's business credit line because I have a house under my name and I did. When the loan was renewed for the following years, an East West Bank officer forged my signature as a guarantor. My husband 's business filed chapter XXXX and East West Bank sued me to get my house. After my deposition with East west bank 's council, they realized the fact that I was not the one who signed the loan docs. They are willing to drop my name from the complaint but not willing to reimburse me for my attorney fees to prove that they were wrong, and on top of that they are also demanding I pay their attorney fees for this matter as well. Please look into this. Not only did they forge my signature but they also violated Equal Credit Opportunity Act. When contacted by CFPB, they sent a response with untrue statements. They never dismissed their attorney fees and lied about me never requesting reimbursement for my attorney fees to defend myself against their frivolous suit. Their response also talks about the situation that has nothing to do with me, but rather my husband. The home is under my name, not my husband 's. That is the reason they illegally tried to go after me in order to seize my home since my husband has no assets. Totally illegal. This bank needs to lose their banking license. I am sure this is not the first time they have done this to other innocent, unsuspecting consumers.

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