milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-05-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Trouble during payment process

Complaint: Nationstar mortgage acquired my loan in XX/XX/XXXX. They refused to honor the modification that I was in, did I was behind, and were foreclosing, giving me no options to save the home, and not accepting payments. I finally just listed the home for sale the middle of XX/XX/XXXX and found a buyer quickly. My principle balance is {$60000.00}. Nationstar came back with a payoff on XX/XX/XXXX of over {$100000.00}. I called on XX/XX/XXXX to find out why and was told This amount includes a modification fee of {$12000.00} and over {$5000.00} of lender paid expenses. Over {$12000.00} of interest and almost {$10000.00} in escrow fees. I requested an itemized list of charges, which will take a week to repair, and asked to speak with a manager about having the modification fees removed since they never have me a mod. The representative said that I was right they saw no modification on my file and that he would send a note but refused to let me speak to a manager about the issue and said that he had no authority to remove it, that would have to be decided by management. I again asked to speak to someone in management, and was told that it was n't possible. I need at least the {$12000.00} removed, and by my calculations I was over charged for escrow by {$4900.00}, and there are probably more fraudulent charges on there as well that I need investigated, or I will make nothing from the sale of my house, and me and my children will be homeless in ten days when the sale closes.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I heard about the Equifax hack last week. I went to the internet site to determine if my information has been compromised. Each time I attempted to get information from their site, their site application hung-up, froze, I called and was told the site was overloaded. I suggested they make more resources available to handle the requests. Several days passed. Site still hangs. I tried to call several times and now get disconnected. I want to know what the status of my exposure is because of Equifax 's error.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Trouble during payment process

Complaint: I 'm doing a refinance but a {$100000.00}  HELOC  in   XXXX   is still showing in my title report as an outstanding lien.  XXXX  was  GMAC  and later acquired by OCWEN. Just called OCWEN today at  XXXXXXXXXXXX  but the person said they do n't have a record.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AMERICAN ADJUSTMENT BUREAU,INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been recieving emails from a group called AMERICAN ADJUSTMENT BUREAU about a payday loan that i know nothing about, recently i got a call from them and when i asked for more information regarding the debt so that i can also investigate it they hung up the phone and when i called back they pretended they did not contact me in the first place now when ever i call it goes to voice mail and no one ever calls back. On the recent email that i got from them it sounds like they are threatening me or trying to scare me to send them money. I am scared because they have my vital information I.E they have my ssn number, my DoB and my bank account number. And on the email that i got from them they did not provide a way for me to contact them back.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I owe a HUGE outstanding amount on my student loans and somewhere along the way Navient stated that I was OVERAWARDED by my school at some point during my college years. However, my amount owed is still over {$260000.00} and I do n't understand how I got to that amount. In addition, I was giving forebearances even when I tried to make some type of payment arrangements and was told to use my forebearance and now I do n't have free time left to defer my payments that will be more than I can afford to pay. I also ca n't register for college because of the amounts listed with Navients as an XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Mortgage (Conventional fixed mortgage) with AMERICAN NEIGHBORHOOD MORTGAGE (NJ).
Issue: Settlement process and costs

Complaint: Annie-Mac promised us we could close on our home XXXX XXXX. XXXX XXXX we get an email ( not call ) saying someone screwed up numbers and they are doing their best to correct and make the closing happen. That issue was resolved, but not in time, had to reschedule everything for Friday. Get an email today ( XXXX XXXX, no call again ) XXXX, need a XXXX form from XXXX 's employer in order to hopefully close by Friday XXXX XXXX. I asked why this was addressed weeks ago? My employer is out of town and ca n't get the XXXX form out for a few days. This is one of the 1st things that needed to be done in order to get the mortgage! I do NOT trust Annie-Mac at all.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (NH).
Issue: Taking out the loan or lease

Complaint: I dispute that I authorized as a co-borrower on this loan. Furthermore, I have never received any notice of any bill, neither have I ever received any correspondence with regard to late or other adverse actions regarding this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: When I checked my Credit reports I noticed " XXXX XXXX '' collection agency was trying to collect money from me. 
I asked them to validate any contract I had with XXXX XXXX and all they do is send me something from another entity, I have, had no contracts with XXXX XXXX ever, past or present, why would I give them anything? 
The contract I may or may not of had with the entity they are showing me has nothing to do with my obligation to another INC. LLC or other corporation such as " XXXX XXXX '' in this fraudulent attempt to collect a debt, without validation from their specific company, Convergent. 
I want XXXX XXXX to remove me entirety from my credit reports.

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 02/17/2018 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: JH Portfolio Debt Equiti has placed an account on my credit reports dating XX/XX/2018. This debt has been previously disputed and deleted off my credit files. Now that it is tax time, it has magically appeared again. I have researched this company and there is NO valid license to this company nor bonded in the state of TN, which is an requirement to collect on a debt. Furthermore, they have not sent me anything in mail as the Fair Debt Collection Practices Act requires within the 5 day time frame notifying me that this account was placed on my credit reports. It has been 15 days since this account was placed on my credit files and nothing in mail. I would like this removed from my file once and for all especially since the 6 year time from of original default has expired, which is also another violation. I will contact the Attorney General as well Federal Trade Commission in regards to this unethical 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 06-06-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Closing/Cancelling account

Complaint: My card was used fraudulently. I was able to get the vendor to credit the account within a short time but not in the same payment period. But Bankamericard charged me late fees and interest and has now closed my account. Do n't they have some responsibility for fraudulent charges? I do n't care about the closed account but they have no doubt reported me to the credit bureaus. They should credit my account XXXX for the late fees and interest and wipe credit history clean.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Mortgage (Conventional fixed mortgage) with Lenderfi, Inc. (OR).
Issue: Settlement process and costs

Complaint: LenderFi, Inc. created multiple delays in processing our loan documents, eventually necessitating a rate lock extension with a {$780.00} fee. At one point we were told that documents faxed in by our agent had mistakenly been sitting on someone 's desk for 3 weeks. In addition, the morning the appraisal was scheduled we received an email stating that we failed to qualify, and so we delayed the appraisal over a weekend, by which time they had reversed this position and we were able to have the appraisal immediately performed. 
LenderFi President XXXX XXXX told us that they would only pay half of the {$780.00} fee due to our role in delaying the appraisal, which we agreed to. He stated on XXXX ( via text message to our real estate agent ) that he was mailing a check for {$390.00}. We have yet to receive this check, and have been unable to contact him since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-04-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Customer service / Customer relations

Complaint: I take 0 % interest cash advances on my Bank of America credit card ( paying the one-time fees ). Usually I have more than XXXX borrowing tranche outstanding, each with its own expiration date for the 0 % interest rate. Some time ago the section of the monthly statement titled " Interest Charge Calculation started showing a zero in the column headed " Balance Subject to Interest Rate '' for each XXXX, making it impossible to verify the amount that will need to be paid off at the 0 % expiration rate without calling the bank. This information used to be furnished on the statement. I will attach a PDF of my statement so you can see that this information is in a table that logically could and should include the balances of each tranche. I pay attention and do the phone call, but I 'm concerned that this information should be there for others and I certainly would prefer not having to call the bank for information they should be furnishing on the statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I bought a washer and dryer on or about XXXX XXXX, XXXX from Lowes Home Improvement Store in XXXX Texas for around {$930.00}. ( I am looking for the original receipt ). I was told at the time of purchase that I could pay the balance off over time and I would n't owe any additional charges as long as I paid the balance off in full within one year. I began making monthly payments on the loan. Now I am getting close to having the balance paid off and so I called the company on XXXX XXXX, XXXX to find out where I stand on the payments. From talking to the loan officer on the phone, I found out that this is a credit card that is handled by a different company. When I asked about my payoff amount, it was higher than I expected ( I had calculated the difference between the original purchase price less the payments I had made ) and I inquired why. I was told that I had been charged " late fees '' because some of my monthly payments were not on time. And maybe some of those late fees also had incurred interest charges? In any event, the loan officer credited back {$83.00} to my account, representing all of the late fees, although I am not sure that all charges have been credited back to my account. It is clear to me that if I had not called to inquire then I would have had to pay these late fees. And then, how can they say that I owe a late fee when I am not subject to interest? I clearly got the impression when I took out the credit line that as long as I paid the full balance within one year then that would be all that I would owe, regardless of any monthly payments.

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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: This past weekend and again today I tried to get my free annual credit report online from Equifax. Each time I was provided a text box that stated I could not get an online report. I tried to use two different browsers and got the same result. I thought each of the three reporting companies is supposed to provide a free online or paper report. I want the electronic version. Is a specific browser needed or does Equifax have a temporary problem?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/22/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: First., after XXXX years paying. I requested a loan history to see if my extra princ payments were on it. after because, I had been told that even tho. I had made {$4000.00} in princ payments my 30 year term, is still XXXX years ... do n't understand that at all. 
Secondly, I find there is a check missing of {$500.00} never posted to my acc. that Wells Fargo cashed back in 2009. 
Thirdly, what law allows them to bill me monthly AA fees of {$30.00} plus dollars.? Do the math, that is {$12000.00} in 30 years. not right. gouging people.I want to see the exact paper that I signed regarding that information ... v important. 
The way they do the loan history. no one is able to understand it. ( they do n't want you too ). 
My escrow, I pay all this lump sums yearly of like over XXXX sometimes. and they still jack up my monthly rate ... 
Also, they have a check XXXX sent for my taxes. in XX/XX/XXXX. and then they have XX/XX/XXXX another one {$3800.00}. same year. it is just so messed up. that is not even right ... 
They tell me there is a clause saying somewhere that I am not able after XXXX years to pay my own taxes on my property. 
Trust me, they are v good at dancing around everything. 

I just do not trust them. Also, just forwarded info to a Law office in XXXX Md. that is where my home is located..

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 06/30/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: Banks accounts opened at XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX were opened or attempted to be open. TD bank was successful they added a account under my name. Transferred monies from my main bank account in a different location Fraud did not catch it in time. Also my mail was forwarded for 5 times now to another location unknown to me, and in turn many of my checks were returned to sender. <P/>I do n't have that info anymore as the account is closed tied to the frauded acount. I need help in finding who is doing this and why.Local Police were alerted and case numbers for both are : XXXX XXXX Contact XXXX NJ Police Department at XXXX for all paperwork. I will also forward anything i have. Posted on XXXX and XXXX today too.Targeting me because I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX will not get you anywhere just fuel my case even more. United states Postal service you forwarded my mail 5 times now with held my mail and sent it back many times after i ask you for an exclusion which means unless i directly come in there with ID, social security and birth certificate and my signature you are not allowed to accept any forwarding of my mailing address to anywhere. You however vilolated my rights as a US citizen and not protecting us will be entered in a lawsuit. I hope you all see how well you think your protected but really not. I also hope none of you go through this. If I have to pay for a P.O. Box you will be forwarded your own bill. I am not going away and refuse to be treated in this way. I want all to see this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-01-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CT).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: For the past 35 years I have had a checking account and fee-based credit card at JP Morgan Chase. About three years ago I was solicited by one of their financial advisors, in the XXXX, Ct. branch to open a Chase Private Client investment account, which I did. No management fees were involved. 
One day in XXXX he informed me that he may be losing my account and that " it was out of his control. '' When I received a call from my new Financial Advisor ( FA ) in a town 40 miles away I called my FA. He NEVER returned my calls to give an explanation for the transfer, which was without my consent. When I finally saw him all he would say is " I am not your F.A. and I do n't have to speak with anymore. '' About three weeks later In about XXXX XXXX I received a notice from JP Morgan informing me to close my checking account within 30 days. Days later I received another notice telling me to close my brokerage account within 60 days. Neither letter gave a reason. 
I have written to the office of the XXXX, XXXX XXXX and to other parts of the bank asking that my checking account be reopened ( BUT NOT my brokerage account ). I have also tried to reopen the account at another branch to no avail. The Compliance Department in Texas appears to be blocking any resolution and nobody will give an explanation. As an aside my former FA has either been fired or abruptly resigned in XXXX XXXX. After being a client for 35 years with an impeccable credit rating ( I still have my credit card there ) this is grossly unfair. I have come to believe that I am the brunt of an emotional problem the FA had who must have concocted a wild exaggerated story for the bank to have done this. All I request is that my checking account be reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (I do not know) with Ashwood Financial Inc (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a few collection agencies reporting debt I do not owe and is not mine. Iv never been contacted by phone or mail from any of these companies about anything. I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NC).
Issue: Account opening, closing, or management

Complaint: I applied for a business loan with Wells Fargo Bank, all went well but as part of the interview I was asked if I was interested in other services and offered the credit card payment processing service. It was all to quick and I agreed. At the end, I was charged {$730.00} for the POS unit and services, that shortly after I left the bank, I received several offers form other banks for the same service with no obligation to PURCHASE nor rent the POS machine. I feel that Wells Fargo, misrepresented the service to me. Yes I agreed to a contract which they referred me to when I called asking for help. I feel that other non-suspecting small business owners in their heist to open a business may not be aware of the consequences of accepting the services offered by Wells Fargo Credit card processing. I seek help in recovering the funds and return the unit to them in the same conditions as I received it. I made several attempts to resolve this with the sales person in charge to no avail.

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 03-08-2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: RE : Obligation owing to Citibank , N.A . / CITI MASTERCARD Judgement Case No. XXXX Account number ending in XXXX Current balance : {$3600.00} SETTLEMENT OFFER # 1 FOR {$2100.00} ACCEPTED AMOUNT PAID IN FULL ON XXXX/XXXX/2016 METHOD - CHECK BY PHONE On XXXX XXXX, 2016, I spoke with XXXX XXXX, a negotiator at XXXX XXXX XXXX XXXX, regarding this matter. I accepted the lump sum payment settlement offer of {$2100.00}, and paid the amount in full over the phone ( check number XXXX ). I have enclosed a copy of the statement which was sent by XXXX XXXX XXXX XXXX, selecting option 1 as instructed by the negotiator. I received a Locator confirmation number of payment in full, which is XXXX. 

I have fulfilled all requests made by XXXX XXXX XXXX XXXX. By doing so, I was informed that this judgement will be removed from my credit, and that I would receive a copy of a " Release of Judgment '' by way of mail. My credit is important to me. Paying my debt is equally important. 

As of today, a Satisfaction Release of Judgement letter has not been sent to me, the court system still show the judgment is unsettled, and all credit reporting agencies show that I still owe for this judgment. 

I am trying to do my part as a productive citizen. What good is it to pay my debts, if my credit is still in ruin? Please help me. 

Thank you.

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