milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on my mortgage in XXXX 2016 due to unemployment. I hired an attorney to help me submit my paperwork to Bank of America to ask for a loan modification to save my home. Bank of America confirmed they received my application in XXXX 2016. My attorney worked with them to get them all the requested documents for a complete financial package by early XXXX 2016. While I was in the review process, Bank of America mailed me an automatic Streamline Modification offer ( dated XXXX/XXXX/16 ; attached ). My attorney advised Bank of America that I was not interested in the Streamline Modification program because it has a higher payment than the HAMP program. My attorney repeatedly asked Bank of America to remove the Streamline Modification offer because I wanted to be reviewed for the HAMP modification program instead. Bank of America repeatedly told my attorney that they would review my loan for the HAMP program. Thus far they have NOT reviewed me for the HAMP program. They keep sending me letters trying to get me to accept the ( WORSE with a higher payment ) Streamline Mod offer. Now my attorney recently followed up with Bank of America and they state there is no review open any longer. Basically they cancelled my HAMP review because they are trying to force me to take the Streamline Modification offer that has a much higher payment than the HAMP program. Now the HAMP program has expired and Bank of America evaded reviewing me for the requested HAMP program. I know they had a complete file because they approved me for a modification on my 2nd mortgage. I do no think it was right for Bank of America to evade reviewing me for HAMP solely because their system had already approved me for a worse higher payment ( Streamline Mod ). My application was in before HAMP expired and Bank of American should not be able to evade reviewing me solely becuase they want me to take a worse program ( Streamline Mod ).

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 01/20/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I request the following information to be provided by Wells Fargo Bank NA. 
As you stated in your letter dated XX/XX/2016, Wells Fargo Bank is the investor of our loan. Please provide a written response with documentation to the following questions ; 1st, how did Wells Fargo Bank NA acquire our loan? 
2nd, what date did Wells Fargo Bank acquire our loan? 
3rd, did XXXX sell our note/loan to Wells Fargo? 
4th, if not, which company or investor sold our note to Wells Fargo Bank NA? 
If Wells Fargo Bank wants to end these complaints, please answer all of our questions truthfully and provide documentation. Failure to comply will result in additional complaints filed against Wells Fargo Bank NA.

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 07-07-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I received an escrow refund XX/XX/XXXX in the amount of {$2800.00} from XX/XX/XXXX. Wells Fargo has requested reimbursement of this refund XX/XX/XXXX claiming that the refund was an error. When the refund was provided, I contacted Wells Fargo numerous times to confirm that the refund was accurate. In addition, I did not deposit the refund check for several months. I think it is unreasonable to expect a repayment of nearly {$3000.00} more than two years. In addition, I feel that I did my due diligence as a customer to alert Wells Fargo of a potential error. Since receiving this notice on XX/XX/XXXX, I have contacted Wells Fargo on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have a letter dated XX/XX/XXXX that Wells will complete research and contact me by XX/XX/XXXX. I received a message on XX/XX/XXXX from a Wells Fargo representative that there has been a resolution and to contact him. I have left several messages and never spoken with him with respect to what the resolution is. Now, I am receiving notices from XXXX XXXX XXXX, XXXX to attempt to collect this debt. In the information provided by XXXX, there is a copy of an email from Wells Fargo to XXXX XXXX on XX/XX/XXXX stating that " we have completed our process and our homeowner has not responded to our attempts to address this. '' I have documentation of my multiple attempts and follow ups and I truly do n't know what more I can do thus I am filling this complaint in hopes that this process can help me to resolve this issue. Thank you. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I accidentally drove through the XXXX on the PA turnpike. They billed me for the full length of the turnpike. I called Nd told them I still had the ticket. The woman instructed me to mail in the ticket with a money order for XXXX . I did this XX/XX/XXXX. I know this because I have a photograph of all of the paperwork before I sealed it and dropped it in the mailbox. XXXX, I recieved a notice from a collection agency for XXXX . For failure to pay the pa tp. I called XXXX to see if the money order had been cashed, it had not. I honestly do n't know what to do at this point. I 've spent years trying to fix my credit. I feel powerless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have verified that I am one of the many who has had their information compromised at Equifax. 
I am XXXX and in the process of trying to get a mortgage loan but am having issues with getting my credit and being locked out of Equifax and having incorrect information removed and/or updated to reflect it accurately and current. 
There is a collection for {$990.00} with XXXX XXXX and it is INCORRECT. I  have tried to get this updated several times and keep getting ignored. That bill was for an emergency room visit that was paid by and covered by insurance at the time and was improperly billed by XXXXXXXX XXXX. I was assured 6 months ago it would be removed by the original creditor but it has not. Also, update my XXXX to report it as OPEN and current with a XXXX balance. I am concerned that information that should be reported is not and is not current and as a result, my credit scores dropped 50 points!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am exhausted trying to get Transunion to fix the errors required by law for them to look into to be fixed on my credit report. I have sent Transunion all supporting documents of my complaints and police report. I 've called them and written them as well and have received no response from them. My File number is XXXX. My file contains errors under the personal information section that does not belong to me. I 've never lived in Texas and I do n't know anyone that does. There 's an address of XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This address is NOT MINES! This address was reported in the year of XXXX which is the same year I was a victim of identity theft! Transunion has my name listed as XXXX. My name is XXXX NOT XXXX! They have four numbers of which none of them belong to me. ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. They took down the number I called from in XXXX when I placed the fraud alert but I told them that was not my number and I did n't currently have a phone at that time. The following accounts listed are accounts I 've disputed numerous times and all they did was send me one letter that says " dispute not specific '' that 's it! The accounts are as follows : ( XXXX XXXX Account # XXXX ) : ( XXXXr Account # XXXX ) ( XXXX XXXX Account # XXXX ). This is my final warning before I pursue legal action against Transunion. to ensure compliance with this complaint and to halt any legal action I may take against Transunion I require a response from them. Failure to do so will act as evidence of their infringement upon my legal rights and I will immediately start legal avenues to remedy this situation

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 09/24/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Trouble during payment process

Complaint: I paid down my home equity line of credit to XXXX but kept the account open. Then i was charged a {$400.00} fee. I called the Bank of America customer support line 7 times and was unable to reach an associate 6 times. On the 7th try I reached XXXX in the XXXX call center, who is a HELOC specialist, and was told this was a lien against my account and that my account was closed. I said  that was not correct -- I never closed the account, only paid it down to zero. I was also told that I would continue to be charged interest on this balance until 2026 even though I no longer borrowed any money. I was told that even if my balance were XXXX I would continue to be charged interest because " that is the way variable rates work. '' I tried calling the branch ( at XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) where I took out the home equity loan because that was not the way the HELOC was sold to me. I called 10 times and the phone rang with no one to pick it up. Finally I drove into the branch to talk to someone. When I ultimately spoke to someone, I was told they would take care of things for me. The bank manager and a staff member named XXXX said they would call the following Monday and then call me back. That never happened. I have tried calling several times since then and ca n't reach anyone to understand what was done. 
I placed a complaint with the CFPB because of the confusing and conflicting information I have been receiving from the various representatives of BofA noted above. When I checked the status of my first complaint, I saw a response with further erroneous information. As BofA will not contact me directly but will respond to CFPB complaints, I will continue to correspond through this channel. 
BofA has incorrectly charged me a {$74.00} release fee, and {$450.00} for an early closure that I never requested. Furthermore, while BofA is NOT responding to me, they warn they will continue to charge interest on the fees that are in question. I find this irresponsible and unethical -- I 'm literally paying BofA not to respond! I do hope the CFPB complaint system can help me here. I have been a customer of BofA for 20 years and they do not have the decency to contact me directly.

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 05/25/2017 about Debt collection (Auto debt) with CarMax, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On  XXXX   XXXX ,    2017  I received an alert that a collection account was added to my credit file. I did not receive any prior notice that the account was going to collection. To my knowledge, I 'm suppose to receive written notice allowing me 30 days to dispute the validity. This is a direct violation of my rights. I need to see a copy if the documentation that was mailed to me at least 30 days prior, the address the notice was mailed to and any other supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Student loan (Federal student loan servicing) with ACS Education Services (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I requested a 12 month forbearance towards my loan on XX/XX/2016. I received and email on XX/XX/2016 stating that my forbearance was applied. However, ACS is has reported late payments over & XXXX 120 days which is inaccurate and causing a strain on my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This bebt was already settled and paid to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My credit report has an address in XXXX California where I have never lived. I have only lived in XXXX California in XXXX, XXXX XXXX, XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TN).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: My name is  XXXX   XXXX  and there are a total o f three credit ca rds in which I did not apply for and showing up on my report and at my home mailing address. Thos e three are ch ase bank,   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX  . Can u please look into this and please take them off my report it 's been a fraud on my behalf.   Call me  XXXX  Thanks,  XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2016 about Consumer Loan (Installment loan) with Equitable Acceptance Corporation (ME).
Issue: Taking out the loan or lease

Complaint: Through Equitable Acceptance Cooperation I understood that the payments that I was making to them would be included in public loan forgiveness program, before I began making my payments to the student loan services but they were not. I did n't realize my APR would be 17.99 percent and it would take me 3. Years to pay off {$1200.00}. At XXXX a month on top of my student loans. I trusted the contact person rather than reading pages of online fine print, as I had just graduated from college with a large loan and no job yet. I feel they took advantage of me at a vulnerable time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Bank account or service (Other bank product/service) with PNC Bank N.A. (MD).
Issue: Making/receiving payments, sending money

Complaint: We have had a car loan with PNC Bank for 7 years. We did XXXX extensions during the life of the loan. During this time period my husband lost part of his pay. We have been playing catch-up for a few years now. With the last payment that we had with PNC, the amount of the XXXX extensions was added in. We were sent a bill of {$2600.00}. We paid the {$640.00} on XXXX XXXX, the payment was due on XXXX XXXX, which left an amount of {$2000.00}, I talked with them because we did not have {$2000.00} to give them. On XXXX XXXX, we received a late notice on the {$2000.00} for the amount of {$200.00}. We were able to pay them {$600.00} on the XXXX. I have called them to ask them why such a large late payment. The answer was that it was late, I asked if there could be a reduction to that late charge but I was told that there was nothing that could be done. I then asked for the payoff as of XXXX XXXX and for them to send me the contract. I know that a profit will be made but {$200.00} on {$2000.00} is robbery. It is my hope that this will start a class action suit against such horrible practices.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was mistakenly reported 30 days late and 60 days late by my mortgage company due to their payment address change and failure to notify me of it. Also, the credit union had a grace period which I fell under. 

I sent a letter in XXXX asking to please have this fixed soi can buy a new home, the 2nd letter I sent certified to ensure delivery. Still have not received anything back or updates to fix the problem. 

My bills are paid on time, and I send checks via mail, this was a minor mistake on the banks part in not notifying me as well as the bureaus for not fixing this issue promptly. I need some help to get this fixed. Thank you XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/29/2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: They were very rude and told me that the Chapter XXXX will stay on for 10 years. I was told by my attorney that chapter XXXX was dismissed and it was 8 years ago and that the credit breporting Equifax is to remove it after 7 years. I called Equifax and they refused to remove it. XXXX and XXXX removed it last year. This is preventing me from getting a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NJ).
Issue: Deposits and withdrawals

Complaint: Wells Fargo refused the release estate account money, with a surrogate form and a death certificate. They insisted I needed an EIN, even though I have an estate account with XXXX XXXX XXXX XXXX XXXX. This is after they lost the POD paper work that would have allowed me to withdraw the funds as the beneficiary.

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 11/27/2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA).
Issue: Other service issues

Complaint: Moneygram locked me out of my online account, which use to send money to my family, back in XXXX. When asked the reason, why I was locked out ; when i called moneygram i was told by a customer service agent, that its for security reasons. But i think its because of discrimination, based on whats happening with lottery scamming in XXXX, i feel i was targeted and locked out by moneygram, based on my remittance, destination.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I opened an account in Citibank with promotion code XXXX. 
The terms of this promotion is as follows : Make an eligible deposit of {$50000.00} or more in new-to-Citibank ( R ) funds into your new Checking or new or existing Citibank Savings Plus account within 30 days after account opening. Maintain a minimum of {$50000.00} for the next 30 days to receive your bonus. The cash bonus will be credited to your new checking account within 90 calendar days from the date when you completed all offer requirements. 
THE ACCOUNT WAS OPENED ON XX/XX/XXXX AND THE DEPOSIT OF {$50000.00} WAS COMPLETED ON XX/XX/XXXX. 
PER THE REQUIREMENT, THE BONUS AMOUNT SHOULD HAVE BEEN CREDITED IMMEDIATELY AFTER THE 90 DAY PERIOD WHICH WAS XX/XX/2016. 
I HAVE BEEN CALLING CITIBANK AND ALSO SPOKE TO A MANAGER AT THE CITIBANK XXXX XXXX BRANCH : PERSON : XXXX. AND THEY KEEP TELLING ME TO WAIT AS THEY ARE DOING AN INVESTIGATION ON THIS. 
I WOULD LIKE THE BUREAU TO INTERVENE AND GET ME MY MONEY ASAP. 
THANKS

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 12/28/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MO).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: XXXX XXXX financed my new XXXX XXXX the company in XXXX aid i had not made any payments which i had and they have continued to tell me i haven't they  have wrongfully repossessed my XXXX by not notifying me that they would be repossessing the vehicle as well they did not give me any option to pay or work out anything.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Consumer Loan (Title loan) with TMX Finance LLC (NJ).
Issue: Charged fees or interest I didn't expect

Complaint: i make a emergency loan with titlemax to try to save my house in the amount of XXXX that is already pay, plus over XXXX on interest and they keeping calling me to take my truck away, i only recive harrasing calls from them and a tow truck around my house everyday-i aply online for a title loan in nj and they aprove but send me to delaware. i find out that title loans are ilegal in nj

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: On XXXX XXXX, 2017 I sent a letter to XXXX XXXX XXXX requesting validation of a debt they said I owed them in the amount of {$1300.00}. The original creditor was XXXX XXXX XXXX XXXX replied back to my request on XXXX XXXX, 2017 and stated that this was a business loan secured by me with a personal guarantee and this was why the could put it on my personal credit. When I asked for the personal guarantee that I supposedly signed they could not produce it. XXXX XXXX went as far to say they were not a 3rd party collection agency and that the FDCPA rules did not apply to them. I could n't get anywhere with XXXX XXXX, so I decided to contact XXXX XXXX/XXXX/2017, XXXX/XXXX/2017, XXXX/XXXX/2017, XXXX XXXX/XXXX/2017, XXXX/XXXX/2017, XXXX/XXXX/2017 and Experian XXXX/XXXX/2017 to help me resolve this issue with XXXX XXXX. All XXXX bureaus gave me the run around and all I wanted was an honest investigation.

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