milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-12-2018 about Mortgage (Other type of mortgage) with FLAGSTAR BANK, FSB (NY).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX, I refinanced my home with Flagstar Bank to payoff a {$220000.00} and a {$340000.00} mortgages to create 1 first  mortgage for {$580000.00} as stated on HUD1. 
Instead Flagstar Bank gave me a {$580000.00} mortgage on XX/XX/XXXX and never paid the {$220000.00} note they had outstanding on my home. All along I told them something was wrong but didn't know what since I could never refinance my home. 
Through a series of transactions Flagstar Bank was a ware of the defect yet never corrected it for over 10 years and through a series of assignments and transfers tried to disguise this egregious fraud, Finally XXXX XXXX trust / XXXX have toggled the mortgage on my home back and forth for the past several years in an attempt to defraud myself even further and now have filed foreclosure against my home without ever addressing this issue with myself. Flagstar attempted to close account because XXXX of these defects several years ago only to mask it through XXXX XXXX XXXX / XXXX NMLS # XXXX 
Attached is evidence and foreclosure complaint as well as response.

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 09/29/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (TX).
Issue: Taking out the loan or lease

Complaint: When my vehicle lease was coming due, I requested a copy of the contract the leasing company had, and I was shocked to find that it was not the contract I had signed. I 've compared both and its apparent that my signature and initials are forged on a contract I did not agree to. I disputed the charges and the leasing company agreed to lesser fees, but they left a derogatory item on my credit, making my credit score plummet. It is unfair that a contract I agreed to was discarded and a forged one was submitted - and instead of those responsible suffering, I 'm the one who suffered. 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
Consumer complaint received 06-02-2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (MI).
Issue: Managing the loan or lease

Complaint: I acquired an auto loan for a defective vehicle, once I found the vehicle to be defective beyond repair I returned it to the auto dealer who accepted the title and car. The bank Credit Acceptance however has kept my first payment and keeps refusing my requests to even speak with a manager about the loan reversal, which has been in processing since XX/XX/XXXX. Id also like it struck from my credit report as I 'd like to be able to apply for another loan from another company and lease a different vehicle from a different dealer but can not until this is resolved.

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 08-05-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Credit decision / Underwriting

Complaint: I applied for a assumption with Nationstar Mortgage on XXXX XXXX, 2016 and as of today 's date they can not tell me whether I 'm approved or declined. I have submitted the documents requested more then once, changed the contract dated per the mortgage lender with Nationstar because it is out dated, and I signed disclosure as of XXXX XXXX, 2016 which I believe they are out of compliance. I have tried to speak with a supervisor of which no one can give me a name or number at the XXXX number or this mortgage lender. The original mortgage lender is now out of the picture and another person has stepped in. This person has asked for information that I has already given them and they still tell me that the wait time for a approval is 30 days from todays date XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is currently reporting inaccuracies in my credit report. There are now XXXX student loan accounts that were never late and they continue to add more that all have the same account number but are reporting incorrectly. According to FTC opinion on the FCRA Sec. 623 ( a ) ( 2 ) of the Fair Credit Reporting Act requires a furnisher of information to provide corrected or updated information to all of the consumer reporting agencies ( credit bureaus ) to which it was originally reported, regardless of the fact that the information was accurate when originally reported. Also under the Higher Education Act ( HEA ) Updating and correcting previously reported information includes removing default history after a borrower successfully rehabilitates, as required by Sec. 464 ( h ) of the HEA, as well as correcting a reported delinquency to reflect the application of a retroactive deferment and forbearance that ultimately converted the original period of delinquency into a period when no payment was due. I have letter from the original furnisher showing that my account was indeed in forbearance from XXXX which is when these late are showing incorrectly on my credit report. Instead of fixing these errors equifax has taken more than the allotted time and has added closed accounts with the same account number with no clear reporting of these accounts. Also I the other inaccuracies that are not being properly investigated and shown proof under FCRA laws that show me the validity of these accounts that I have asked for many times now I the investigation is taking longer than the timeframe given by law.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Lien was paid in full in 2009 and released.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We held a mortgage in good standing with XXXX XXXX Mortgage for over 12 years. In the fall of 2014, they sold our mortgage to Nationstar Mortgage. The transfer was rough on the Nationstar side ( no communication and lack of reps that could see the transferred loan in their system ) but we did n't miss a single payment. 6 months after buying our loan, Nationstar is advising we have negative escrow and want a {$5800.00} check now or a {$470.00} increase to our monthly mortgage payment for the next year. Problem is that we never had an escrow account with either XXXX XXXX or a new one with Nationstar. After sending it to their escrow research department XXXX times ( the first time the rep said he would log it but did n't so their records only show XXXX attempts ), we get the same form letter with the same demands every time. Our choice now is to damage our credit or pay almost {$500.00} a month extra in mortgage for a debt that XXXX XXXX added to the end of our loan period. 
Additionally, our mortgage was an ARM that could only be adjusted during the first XXXX quarters of the loan. That time limit has come and gone under the XXXX XXXX term. Now Nationstar feels they have the right to adjust the rate every 6 months over the remaining life of the loan which was never the terms of the original mortgage. How is our mortgage allowed to be sold and the new mortgage lender not follow the terms of the original mortgage? We have not entered into any subsequent or amended agreement with Nationstar and had no say in the matter when they purchased our loan from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I tried submitting an investigation to Equifax Credit reporting agency about collections that are on my account that has been paid and that are not mines. Equifax online and over the phone dispute process will not accept the inquiries and kicks you out the system. I called and tried speaking to a live agent with no success. The hold times are continuous and no one ever picks up. This happens every time I attempt to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: Our XX/XX/XXXX statement inaccurately indicates a past due amount of {$140000.00}, and erroneously stated we have not made any payments on the account since XX/XX/XXXX. The attached Trustee Ledger of payments to Wells Fargo Mortgage during Case number XXXX was {$75000.00}, which to date has not been credited to the account, while Wells Fargo Mortgage and the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX via Attorney XXXX XXXX is moving with lighting speed to unlawfully foreclose our home without providing us the correct and true amount that is past due. We have submitted numerous Qualify Written Request ( QWR ) Pursuant to 15 USC 1692g 809. Validation of debts and California Rosenthal Fair Debt FDCPA requesting the following documents in order to validate what is actually owed on our account prior to Wells Fargo Mortgage proceed with foreclosure on the property to no Avail : ( 1 ) Account Payment History from XX/XX/XXXX thru XX/XX/XXXX. ( 2 ) Reinstatement Work Sheet ( 3 ) Detail documentation as to how the {$75000.00} from Chapter XXXX Case NO : XXXX was apply and credited to our account. ( 4 ) Any and all charges for delays posting our payment to the account. ( 5 ) Any assesses an incorrect late charge amount. ( 6 ) Any pyramids late fees ( Pyramiding occurs when the loan servicer takes the assessed late fees from the regular payment and leaves part of the scheduled payment overdue ) .as Federal regulations and California State law, and mortgage contracts prohibit this practice.

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 01/31/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been writing letters to the XXXX major credit bureaus, XXXX Equifax and XXXX since XXXX of XXXX but until now, they still continue to report inaccurate information to some of the accounts that are being listed to my credit report. It has been more than a year writing to them but to no avail! So, I am here hoping that you will be able to help me have these accounts deleted from my credit report since it has been a year now and they seem ca n't seem to get it right. 
Please take a look at my list below : 1. XXXX XXXX XXXX ( Account # XXXX ) I have been telling the XXXX major credit bureaus that this account is reporting different information to them but all they got to tell me is either " they have it verified, they are reporting is right or they have added new information ''. But until now, this account continues to report different information. For instance, the Account Balance. XXXX and Equifax are reporting a balance of {$17000.00}, while XXXX reports a balance of {$17000.00}. The Date of Last Payment also does not match! XXXX reports XXXX/XXXX/XXXX, Equifax reports XXXX while XXXX does not state the date of last payment. I also noticed that the Date of Late Payment or the Payment History are different the XXXX credit major credit bureaus. 

2. XXXX ( Account # XXXX ) This is another account that continues to report information inaccurately as they do not match what is being posted between XXXX Equifax and XXXX. For instance, the Open date on Equifax says XXXX/XXXX/XXXX but on XXXX it is XXXX/XXXX/XXXX. The payment history also does not report accurately. 

I wrote to each of the XXXX major credit bureaus almost every month asking them to remove inaccuracies on my credit report. They have done their investigation many, many times! I am believe that they are violation of the FCRA. I wish to have these errant accounts removed from my credit report asap. It is very important to me to get my credit report right as I am considering on getting a new car. I badly need your help on this.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have a charge account with  XXXX  Bank. Merchant made an error ordering equipment and wants me to pay for their error. The charge was put on a  XXXX  card. I am now in litigation with the merchant.  XXXX  expects me to pay and is reporting this as an over due account. The charge is still is dispute. They do not understand.

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 03/26/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have been the victim of identity fraud and have contacted the credit agencies about the numerous negative and collection accounts that are reporting to my credit that has been previously removed. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run and or having the proper information on the said account. further more they refer me back to the credit bureau. Im not getting anywhere and want these negative marks removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. the accounts in question are as follows : XXXX ( Collection ) XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts were previously removed under FCRA but have been re added.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Consumer Loan (Vehicle loan) with United Group Inc. (OR).
Issue: Problems when you are unable to pay

Complaint: i had a car loan with united finance my mom was in the hospital XXXX and i missed only XXXX payment the next month i tried to make it up and they refused to let me make my payments the man was yelling at me and i was just trying to make a payment

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (TX).
Issue: Trouble during payment process

Complaint: Whenever I pay extra towards principal they seem to apply it to the future month, effectively doubling my interest. This has happened several times this year.
On XX/XX/XXXX at XXXX CT, Ditech 's Customer Rep XXXX, enrolled me in their program to automatically apply any payment that does not match my Regular Monthly Payment to principal.
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On the latest occurrence, I paid {$5000.00} towards principal on XXXX and my Regular Monthly Payment on XXXX. They deducted over {$900.00} interest from both payments, so now my Principal balance is overstated by {$960.00}. My XXXX payment is due to hit today, so that will just compound the imbalance.
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On XX/XX/XXXX at XXXX I spoke to XXXX who understood and calculated the same Principal Balance as me ( {$170000.00} ) and said it would be corrected. I called XXXX on XX/XX/XXXX at XXXX and XXXX onXX/XX/XXXX at XXXX because my online balance still has not been corrected. All they do is say that they will submit my call.
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This company is very unresponsive, not very intelligent and I 'm sure that what they 're doing is illegal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX INACCURATE INFORMATION MUST REMOVE IT

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit card () with Continental Finance Company, LLC (GA).
Issue: Delinquent account

Complaint: I have requested information/validation on the debt bearing my signature from CONTINENTAL FIN CO acct # XXXX on XX/XX/2016,XX/XX/2016,XX/XX/2016. They have not responded to any of my letters nor have they provided me any validation. They also have not requested that the XXXX major credit reporting agencies add a statement of dispute to my credit files. They have violated the law by not responding or adding a dispute statement to my files.

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 03/26/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Closing/Cancelling account

Complaint: I had fraudulent activity on my Bank of America XXXX # XXXX which I described in detail through the " Tell Your Story '' portal on the CFPB website about a week ago. Possibly, BoA may have been hacked in view of the repetitive nature of the fraudulent charges. After I contacted BoA about the fraud, they closed that account and assured me that they would expedite delivery of a replacement card so that it arrived no later than this past Tuesday, XXXX XXXX 2016. However, Tuesday came and went, Wednesday came and went, and Thursday came and went, with no replacement card. This is one of several lies BoA told me. On Friday, the card arrived. It has the account number XXXX. Instructions with it said to call an XXXX number to activate it which I did. At that time, a recorded voice told me that the card was activated and ready to use. This is the second lie that BoA told me. Because the fraud department at BoA had told me to report other activity, I thought I should call it to confirm that the card was activated. I did so on Friday and was told by the representative I spoke with that the card was activated and ready to use. This is the third lie BoA told me. Today I tried to use the card for the first time and it was declined. BoA also wasted well over an hour of my time engaging in these unfair, deceptive and abusive activities, worsening them with excessive, hollow, time-consuming apologies along the way. After I spoke to the second person at BoA about this today, I asked to speak to a supervisor. I think the supervisor identified herself as " XXXX '' in Georgia. XXXX refused to rectify the problems by getting the card to work. 
On Thursday, when this card had not arrived, I called BoA to report that it had not arrived by the date certain BoA had said it would arrive by, last Tuesday. At that point, the person I talked to said she would send another, second replacement card for the original card. When the first replacement card arrived the next day, Friday, I was told twice by BoA, that it was activated and ready to use. The representative I talked to then told me that he was was going to cancel the second replacement card that I have never received. This was the fourth lie that BoA told me. Instead of cancelling the card I have not received, he cancelled the card I did receive, and then immediately told me that the XXXX I had was activated and ready to use. 
I finally hung up the phone with XXXX who refused to honor what BoA had told me previously. I 'd had enough of BoA 's lies and had had more than enough of my time wasted. I 'd told her that she could explain BoA 's prevaricating proclivities and abuse of its customers to the CFPB.

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 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX, 2017 I sent a certified letter ( XXXX ) to XXXX XXXX requesting to have my debt validated via in writing to my current address. In the letter I also stated If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. It has officially been over 30 calendar days and I have not heard back from the agency. I am now requesting to have the alleged account XXXX deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Other fee

Complaint: I have a credit card with Bank of America. I opened an account with the Bank XX/XX/XXXX. During that time I have had many issues with fees being charged. After opening my account, I got a credit card associated with the checking and savings account. I closed all of my Bank of America accounts XX/XX/XXXX, but I kept the credit card. 

I made a payment of {$200.00} on the credit card account, attempting to use their billpay service as my payment service through my primary bank, XXXX, can be unreliable. For some odd reason, the system was n't taking my information so I abandoned the efforts to use their account, re-entered all my information through XXXX, and made the payment through XXXX. Bank of America took the XXXX payment, but then also tried to process the second payment. And charged me a returned check fee to boot. Notably, I was NOT using a check, merely their payment system, which failed. 

The bank then closed my card at some point ( I am not sure when ; the account appears open online, but I was transferred to collections when I called about the fee ), and they are refusing to refund the fee. They even refuse to tell me who to contact to request that the fee be refunded. I 've made XXXX separate requests and been transferred to numerous departments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief