milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2018 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Struggling to pay mortgage

Complaint: Back in XX/XX/XXXX, I wanted to sell my home, so I started the short sale process with Bank of America. Bank of America was so difficulty asking over and over again for paperwork and the Short sale specialist XXXX XXXX from the Bank was very nasty. After months 9 months and 2 potential buyers walked away I wanted to keep my home so it wouldnt go into foreclosure. So in XX/XX/XXXX I recently applied for a loan modification, because BANK OF AMERICA recently did not agree on the price to sell my home to a particular buyer The bank wanted ore than the house was worth.. The home was apprasied at {$110000.00} by Bank of America. Then Bank of America wanted turn around and wanted {$140000.00}. I couldnt believe it. So to avoid my home going into foreclosure I started the Loan Modification process. About three week ago around XX/XX/XXXX I receive a letter from the Bank of America denying my loan for a modification because of my check stubs. So, my representative from Bank of America refer me to the Appeal process Department. I wanted to Appeal and give the Bank wanted they needed, they also denied me for an appeal!!. Something is not quite right about this situation. I am fighting to keep my home! Bank of America has been very difficult to work with. Bank of America is setting me up for failure. Bank of America wants me to lose my home. I need some help to keep my home. This has been a stressful situation. I am able to give the Bank what they need to keep my home. I am asking for loan modification so I can keep my home and have lower mortgage payments to survive. I really need a solution to this problem. I don't want to be out on the streets homeless.Please help me. Thank you XXXX XXXX XXXX number XXXX BAC NUMBER XXXX At the below attachment you will see the rejection letter from Bank of America. This was one of the main reasons I wanted to keep my home.

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 08-01-2015 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (FL).
Issue: Credit decision / Underwriting

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXXLoan # XXXXTo whom it may concern, Recently I enrolled for equity accelerator program, however, I change my mind and canceled it couple days later.I thought I have 90 days from the day after the enrollment. I do n't know that they count back in 2013. No boby explain for me before they reinstate my enrollment.I call to request enrollment fee to be waived because of the lack and unclear explanation. I though when I cancel the program the enrollment fee is not be charge That why I canceled the program. I am writing this email to request the {$290.00} enrollment fee is waive because I never use the services.the problems happened because of unclear explanation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: A company called Equitable Acceptance is charging me {$39.00} a month to consolidate my student loans through XXXX. I was contacted by a company called XXXX in 2015 that told me they could consolidate my student loans. In order for them to complete the process I had to pay a monthly fee of {$39.00}. I filled out a income-based student loan form that I downloaded from XXXX and submitted. I was then contacted by XXXX, to confirm I wanted to apply for a income-based student loan program. For the past year I have been paying {$39.00} a month to a company called Equitable Acceptance, and I was under the impression that in order to get the income based payment, I had to continue to pay Equitable Acceptance. When it became time to renew my income-based program, Navient contacted me and asked if I wanted to reapply for the program, I told Navient that I was told by Student Advocates that the {$39.00} a month fee that I am paying, will automatically keep me in the income-based program. XXXX explained to me that XXXX and Equitable Acceptance are both scams and have nothing to do with the Department of Education or Student Loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Application, originator, mortgage broker

Complaint: The primary mortgage for my property, located at XXXX XXXX XXXX XXXX, XXXX, XXXX, NY XXXX is currently held by Capital One ( Loan # XXXX ) - however they are not the original mortgator. In the process of conducting a title search, it appears that the title was never updated when Capital One took over the mortgage. I am now attempting to obtain documentation to update this, and to refinance my HELOC ( with XXXX ) and I am getting the runaround from Capital One. They have been unresponsive, unavailable to speak with and have told me it will take them 30 days to address. In the meantime, XXXX has told me I have 5-10 days to correct the title, or forfeit the HELOC application.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IN).
Issue: Problems when you are unable to pay

Complaint: I recievd a personal loan from onemain financial. I paid the loan off in XX/XX/XXXX and recieved a congratulations on pay off letter. The next month the office is calling me saying i have n't made my monthly payment. I told them i had payed it off and sent them the letter and bank statement. They continued to call and call. Next thing i know is collections is calling me stating im late on payment. I have sent them everything I know to send.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Request : Deleted permanently from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Delinquent account

Complaint: I applied for a mortgage loan on XXXX/XXXX/XXXX. I was denied, in part, based on ratio of balance to limit on revolving accounts and amount owed on delinquent accounts ( XXXX of attachment ). While I have managed to correct much of the incorrect information, I was unable to get XXXX Chase account corrected. on page XXXX of the attachment is a Chase account that shows a limit {$5000.00} and a past due balance of {$3200.00}. The problem is that Chase made a decision on XXXX/XXXX/XXXX to discharge the debt and cancel it as shown on page XXXX of the attachment, a XXXX which I paid federal and state income taxes on the discharged amount as required by law. When I received the credit report from XXXX ( XXXX of the attachment ) on XXXX/XXXX/XXXX, I disputed that there was an open account with a credit limit and balance past due as the report clearly indicates the account is closed, so there would be no credit available and since the debt was discharged there could be no balance, past due or otherwise. I received the dispute results from XXXX on XXXX/XXXX/XXXX ( pp. XXXX of attachment ) and it indicated that Chase verified the closed account with a credit limit of {$5000.00} and a past due balance of {$3200.00} with XXXX and XXXX XXXX had no record of the account. On XXXX/XXXX/XXXX, I contacted Chase to discuss the issue. The Chase customer service employees that I spoke to agreed that the account was closed, that there was no available credit and that the debt had been discharged. However, the credit reporting employee that I spoke to stated that since I did not settle this debt, even though the debt was discharged and there was no longer any attempt to collect, the past due balance would remain on my credit report for a full XXXX years because they could. I explained that I had settled XXXX other accounts with Chase, the employee checked and confirmed that was true. I asked how this could be held against me since this was Chase ' decision to discharge and I was never given the opportunity to settle this account? It was obvious that I was making every effort to resolve everything but Chase decided on their own to discharge this debt without an attempt to settle and now is holding it against me. He stated because we can. It is patently unfair for this account to be shown as having a {$5000.00} limit and a past due balance of {$3200.00}, when in fact that is false. Thanks in advance for your assistance in resolving this. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/29/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX, XXXXRef, # XXXX ( not sure if everyone uses this ref # ) Hi, My name is XXXX, I have a charge off on my credit report with equifax that is Not mine. XXXX XXXX XXXX recently put a charge off from a credit card on my credit history that is Not mine. XXXX XXXX XXXX agreed, that I have no responsibility for this card, never signed for this card, never gave permission for my credit to be associated with this card and that the charge off would be removed from my report immediately! It has n't happen. I cant thank you enough for helping! The charge off and non payment according to XXXX XXXX XXXX started in XX/XX/XXXX and was never associated with my credit, XXXX XXXX XXXX apologized for the inconvenience and would push for immediate removal ... its been 60 days. According to the cards history it was opened and in default in XX/XX/XXXX, I never signed for this, never gave permission for my credit to be used to obtain this card, never associated my credit with this card and all the sudden the charge off appeared on my credit report in XXXX, XXXX this negative credit report has cost me greatly! I had permission to sign on this card, ( for a short time, but never responsible for payment, never gave permission for my credit score to be associated with this, this was fraudulent to have me on this card. XXXX XXXX XXXX agreed, I am not responsible and this should not be on my credit history. What can I do? 

XXXX XXXX XXXX gave me a credit card in XX/XX/XXXX ( bc I had great credit, no charge off on my credit report ... ..but then all the sudden they decide to attach this?? ) Why would they give me a credit card if I had a credit card in my name with a XXXX balance ... bc it was not mine! ) Also, I have disputed another charge from XXXX XXXX XXXX, where I closed a credit card ( went into the Bank ... banker remembers, closed ( so I thought, paid completely off, waited one month to make sure everything was cleared ) Closed then moved. A automatic draft started back up with a company we had used in the past and the put it on a card they had on file ( XXXX XXXX XXXX card ) The card actually didnt close, we never received bill ) Until oneday I received a phone call that XXXX XXXX XXXX received a return to sender, Bill they had been sending out to me for payment. I immediately paid, they sent me a letter, but its still showing on my account as negative. Thank you for helping me with solving these matters, I have spent countless hours working on solving these issues! I have hope and really cant thank you enough, it was freeing just writing this note! 

I am getting Help!!! Thank you so very Must!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (KY).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo Home Morgage sent me a letter urged me to sign up for an optional product called XXXX XXXX Accident Plan. I told them I did n't want it but they signed me up anyway without my knowledge. My statement from them has been the same for years except the changes in escrow so I generally don, t check it too closely but this month I did and found out the charge for the insurance I didn, t want.I am only now checking my statement more closely because of all the bad press Well 's is getting. Thankyou for going after these still fraudulent banks. 










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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 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On    XX/XX/XXXX I retrieve my free annual credit report from Equifax. Looking over the report I identified some inaccurate personal information. Specifically there is a name specified in the " Formerly known as '' field that is completely foreign to me, as I have never used it, or known anyone with the specified name.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Credit card or prepaid card (Store credit card) with Riverwalk Financial Corporation (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XXXX claimed that I received a package that was mailed to the wrong address. I informed them that I did not receive the merchandise and I did not live at the incorrect address. They stated that they would mail me a dispute form. I never received the dispute form and I attempted to get it sent to me again. It did not come to me. I have been disputing this charge for at least 3 years. I can provide my address to the reporting agency to show I did not live at the address mentioned. They can investigate if I knew those people at that address if they choose and they will find me innocent. This has caused me grief and hurt my credit for years. All I wanted was my charges to be removed for STOLEN merchandise. I now want all {$640.00} in charges and history removed from my credit report now. Deville Asset Management, can you show me a signed slip that I received the merchandise, if you do, I bet it does n't match any of my signature types. This is completely unfair and embarrassing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Debt collection (I do not know) with Associated Credit Services, Inc. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company has called me repeatedly over three years after my informing them multiple times that this was a wrong number. Their caller ID does not list a name. They have been very rude and refused to identify themselves when I asked who they were, saying " if you are n't the person we are calling, then you do n't need to know. '' I have called back and asked to talk to a supervisor -- they said they would transfer me, and dropped the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Phone Numbers, Addresses, & Inquiries Associated With My Credit To Where I Am Unable To Acquire An Annual Credit Report For The Inability To Answer The Questions Truthfully

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 02-05-2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: APR or interest rate

Complaint: This complaint relates the manner in which Barclays Card US applies payments when there are both promotional and non-promotional balances. Per a reading of the terms and conditions on the statement, payments are posted first to the higher interest balances and then the excess to the promotional balances. For the statement ending XXXX/XXXX/2016 I had a promotional balance of {$760.00} ( expiring XXXX/XXXX/16 ) and a non promotional balance of {$600.00}. I sent in a payment of {$670.00} on the due date. The a portion of the payment was correctly applied with {$600.00} against the non-promotional balance, however the excess of {$65.00} was applied against yet unbilled non-promotional balances. Under this application, if a consumer is using the card for purchases during a billing cycle, it becomes nearly impossible to payoff the promotional balance. A reasonable individual would understand and expect that if he pays off the entire non-promotional balance and sends additional funds, that these additional funds would be applied towards the promotional balance. 

Barclay customer service explained that this is not how it is handled as the yet unbilled non-promotional charges COULD be subject to a higher interest rate than the promotional balances, thus they are paid first, to protect the customer. In reality, this does not protect the customer but creates a scenario when the customer 's promotional balances does not decrease over time and the entire promotional balance must be paid in the final two months in order to avoid paying all of the accrued, yet unbilled finance charges associated with the promotional balances. 
While this could be argued is in keeping with the disclosures, it is both morally and ethically deceptive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: My personal information was breached in both the XXXX breach and now the XXXX breach. I have disputed three credit cards that are unknown on my account that were not mine, 2 cell phone carrier accounts that are not mine, and also disputed inaccurate late student loan payments that you can clearly see I was a student while the payments were marked late.

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 06/27/2015 about Credit card () with JPMORGAN CHASE & CO. (CT).
Issue: Cash advance fee

Complaint: Made a double payment into my chase freedom resulting in a positive balance of over XXXX dollars. After speaking with a costumer service over the phone ; " was told to go to the bank and request my money " the bank did not discuss any fee relating to getting my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/19/2015 about Payday loan () with CASHCALL, INC. (IN).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a loan in 2011 from Cash Call for XXXX The balance never goes down The interest on this loan was 139 %. I see where there is a lawsuit against them from certain states and my state Indiana is XXXX of them. I have stopped paying them since I already have paid them over XXXX. I guess if they try to sue me I will have to get a lawyer. I do n't feel I should pay them anymore money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This were an XXXX XXXX bill that was deleted from my credit report and now it appears on my credit report by another company which should not have happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/30/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (IL).
Issue: Managing the loan or lease

Complaint: I have Auto Loan with Wells Fargo Dealer Services and I have been paying on the loan for 2 years and making more than the min payment for 90 % of all payments made and they are not applying the extra to the principal as I have requested. I have called several times and they are not making the notes on my account. With every payment I call and they advise that I need to wait until that next payment posts to the account. 
This is allowing Wells Fargo Dealer Service to collect more interest and I currently have XXXX sitting in a Suspense account not being applied but being used to reduce the next payment due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Settlement process and costs

Complaint: This is another concern with my Wells Fargo Modification Agreement, copy submitted in CFPB case # XXXX on XX/XX/XXXX. 

My Wells Fargo case person for this modification was XXXX XXXX, that required I remove my brother from my deed, which was only beneficiary reasons, being widowed and XXXX, and fax a recorded copy through a WF branch, before any Loan Modification agreement could be done. I did this on XX/XX/XXXX see att 'd. 

When this Modified agreement came with my brother name XXXX XXXX on it, I contacted XXXX, he stated their was n't enough time to resend to meet the XXXX XXXX deadline. Agreement dated XXXX XX/XX/XXXX sent via mail to me told not to sign and returned Mail Workflow show XXXX XXXX. He said his name would be automatically dropped with the Quit Claim Deed recorded XX/XX/XXXX 

This has never happened, and know XXXX in Payoff or Preservation over the four ( 4 ) years have been able to resolve.

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 11-03-2016 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed several judgements that were listed on my credit report with Equifax. I received a letter stating that XXXX of them were deleted, XXXX was being updated to " satisfied '', and the other XXXX were verified. The XXXX that were said to be deleted are still on my report. I sent Equifax a method of verification letter, but never got a response. All XXXX judgements are still on my report even though I have had the incorrect addresses removed and disputed.

Company response to consumer: Closed with explanation