milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2015 about Mortgage (Other mortgage) with Arbor Residential Mortgage LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I was with XXXX, they went under and FDIC took over, they sold it to AMS Servicing LLC and now Seneca Mortgage Servicing. I have been paying my mortgage and they have not applied my payments to the new loan modification of {$650000.00} that started XXXX/XXXX/2014. My credit show a late of 180 days since XXXX 2014. This has affected my credit. They have not submitted my mortgage interest statement for me to do my taxes. I have contacted the asset manager many times and they will not return my calls. They have not paid my back interest owed of {$10000.00} that I paid up front to start the loan modification program. {$8000.00} was the up front money. See Attachments. This stressful

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I recently went to Bank of America in XXXX Tx which i just recently moved to XXXX in XX/XX/XXXX and on XX/XX/XXXX to try an open up an account and the banker informed me that i could n't open up an account reason being is due to a situation back in XX/XX/XXXX which was some one tried to use my identity and address information and etc to get money out of the bank by depositing a bad check or something in that form and then withdraw the money from the account but i was living in Mississippi in XX/XX/XXXX which is my home state and where i was born and raised. I had no knowledge of this situation until the day i was informed by the banker on the XX/XX/XXXX and I really need to open up an account to deposit my money directly  from my job. They never gave me any contact information or help me with anything to see about this problem so I went to a different bank to get information about trying to contact someone about this problem.

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 Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: My wife and I have just had a Bankruptcy Chapter XXXX discharged, we attempted to get a used car loan from 2 local ( XXXX ) XXXX dealerships, 1 in XXXX, CA ( Capital One Auto Finance offered a rate of 19.99 % a {$1000.00} down on X/XX/2017. We did n't go that route. 

My second attempt was on the SAME DAY with the XXXX dealership in XXXX, CA XXXX they came back with an interest rate of 26 %, plus {$1600.00} down per XXXX XXXX at the XXXX dealership ( XXXX ) XXXX. 

This is EXTORTION at its BEST without the XXXX ... In America, what the XXXX going on in our Country. I am a Veteran who ran into a difficult period financial, work, suffering through a mild XXXX and now a Bankruptcy. This is what this Country come too!

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I decided to reach out to the Navient in regards to late payments that are showing on my credit report because I knew that I was in forbearance and the late payments should have never been reported. I was told there was nothing they could do for the information was correct stating that they reached out to me several times. I never received anything from Navient in regards to me being out of forbearance. After searching through my emails, it was brought to my attention that my loans originated with XXXX XXXX and Navient took them over fall of 2014 therefore my late pays from XXXX of 2014 do not fall under Navient they fall under XXXX XXXX and should be removed. How can Navient Report to the credit bureaus late pays that were never really theirs? They are reporting false information. As of today I am current on all my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I received my loans by going to XXXX. I have so many loans through them and the interest is outrageous. I live on my own and pay my own bills and still barely to manage. I wanted to further my education but found out none of my credits transfer after being told I could go anywhere after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Notice and Demand for Payment  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX , FLORIDA  XXXX   CAPITAL ONE    XXXX   XXXX   XXXX   XXXX   XXXX  , VA  XXXX   XX/XX/2017    VIA : Certified Mail #    XXXX    Re :  XXXX  CREDIT REPORT #  XXXX  ( 1 ) U NAUTHORIZED INQUIRIE (  S )  Consider this notice that you  have 30 days to respond point by point and with validation exactly accordi ng to the points in the attached validation letter or this stands as evidence in law that no debt is due to you.     Further, as a Consumer and since  CAPITAL ONE did   not have my consent or authorization to view my personal property, your actions were intentional, harmed and injured my person to the value of the debt that is invalidated on my persons credit report, the {$1000.00} fine value for the FDCPA violation and the {$1000.00} fine value for the FCRA violation. That makes the total due upon receipt of {$1000.00}. A notice of lien will be recorded against any and all assets both personal and business to recoup this amount due upon receipt, {$1000.00}.         BY :  XXXX   XXXX   XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Debt collection (Payday loan debt) with BTH Management (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX has an account listed on my credit profile which I have any information of regards when I contacted the original listed creditor which is XXXX XXXX they refused to provide me validation and intern they stated that I needed to contact XXXX XXXX to get validation so I dispute it and ask for validation with the credit bureaus I received nothing in return but they keep responding to the credit bureau as the account is validated I have received no type of communication from this company

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My Mortgage was transfered/sold to LoanCare ( XXXX ) sometime between XX/XX/XXXX and XX/XX/XXXX ; hard to tell due to this company 's false and illegitimate business practice! They stated my escrow account was short for beginning year XX/XX/XXXX, and increased my monthly amount for escrow. I contacted them ( XXXX ) because my required monthly escrow amount increased ; they explained that my home insurance increased. I already knew this, but wanted to speak with this company for first time after reading online reviews. In addition to my home insurance increase ; LoanCare added another immoral fee themselves. So I called to ask for explanation ; why the difference in paperwork regarding my escrow account, I was disconnected after asking to be put on hold. This is my first experience with LoanCare ; as my loan was recently sold to them. After reading the online reviews at this link " https : XXXX '' ; I ask that this company be exposed immediately! These people are playing with homeowners homes ; ultimately, their lives! Is this what the government has allowed our country to become ; it 's hard working citizens being legally robbed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: On  XXXX   XXXX , I received an  Escrow Analysis from my  mortgage servicer,  Wells Fargo . I found it odd because I just received my normal cycle escrow analysis in  XXXX    XXXX  . I called them and the Customer Service representative was not helpful. She said that Illinois required an escrow analysis to be run every  XXXX . I asked why this is the first  XXXX  escrow analysis I have we have received in  XXXX  and she could n't answer that.   On that analysis, nothing makes sense to me. My Escrow Account History shows the Actual Payments from Escrow to be {$3100.00} but in my Escrow Account Projections portion , Wells is pro jecting it to be {$6800.00}. How the heck did they come up with that?

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 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I reached out to XXXX on XX/XX/XXXX and I spoke to a manger and I advised him that the inquiries listed do not belong to me and I have no knowledge of them. Of course he advised me to call each one of them and ask for removal. I did contact each one and was left with nothing, each of them told me they had no knowledge of what I was asking and could not help me nor could they verify that I allowed them to run my credit. I called XXXX back asking them to speak to someone in fraud about this and they transferred me over to be told there is nothing they can do and creditors can run my credit when they chose. I know this is incorrect and they suggested a fraud alert but I am in the market for a home and do not want to do that. I have attached a list of the inquiries that the manager told me to call. Please assist me with removing these.

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 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I submitted a dispute with the credit bureaus towards the end of XX/XX/XXXX regarding a collection account that showed up on my credit profile at the beginning of XX/XX/XXXX ( reporting company is XXXX XXXX XXXX ). This account is not my account, I have no knowledge of this payday loan and have not been provided any information from the reporting company proving that it is my debt. So I disputed this fraudulent account with the credit bureaus and on XX/XX/XXXXand XX/XX/XXXX I received the dispute results stating that the account meets FCRA requirements. The credit bureaus told me that they had sent the information I provided to the reporting company and that the reporting company conducted their own investigation saying it is my debt. AGAIN, I have received not one document showing that I owe this debt, even after verifying my address, no one has mailed any paperwork to me. On XX/XX/XXXX, I submitted a complaint with the FTC, CFPB and the NC State Attorney General reporting XXXX XXXX XXXX for continuing to report this fraudulent account to the credit bureaus. Those complaints did not resolve the issue. On XX/XX/XXXX, I spoke with XXXX XXXX from XXXX XXXX and she stated that on XX/XX/XXXX, they had closed the account as disputed and had transmitted this information that same day. She gave me her number and XXXX ( XXXX XXXX XXXX ) and her supervisor 's name ( XXXX XXXX ) and told me to call if I needed any other info. I spoke with a rep from Experian that same day ( XX/XX/XXXX ) and they had not received anything from XXXX XXXX. I tried to call back and speak with XXXX XXXX but she and her supervisor were " unavailable '' and would call me back. They never called back. Today, XX/XX/XXXX I called XXXX to see if the account had been removed. Not only was it still on my report, but XXXX XXXX had reported my account as delinquent on XX/XX/XXXX, TWO DAYS AFTER MY CONVERSATION WITH XXXX XXXX SAYING THE ACCOUNT WAS NOW CLOSED. I do n't understand how a closed account can be reported as a delinquent open collection account if it was supposedly closed on XX/XX/XXXX. I need this resolved immediately! It is damaging my credit and it does not belong to me. And as stated before, I have not received any documentation proving that this account belongs to me, even after I requested paperwork be mailed to my home address. This account is unfairly being reported!

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 04-09-2015 about Debt collection (Medical) with FirstPoint Collection Resources (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I thought my insurance toook care of the bill, everything was covered.I never recived a bill from this company. Then all of a sudden, I recieved a letter from a collection agency! I am still not responsable for the amount they are asking me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Late fee

Complaint: I closed my account with American Express on XX/XX/XXXX. Since that time I did n't receive a single payment reminder through emails which the American Express was used to provide me. During that time, I moved to a new address and suddenly I get a bill of late fees on my account from XX/XX/XXXX to XX/XX/XXXX. I spoke to the customer services and she was able to waive the charges for the month of XX/XX/XXXX but refused to do so for the month of XX/XX/XXXX. I offerred her to pay all the charges until the date of XX/XX/XXXX but she refused and kept insisting that I must pay her {$120.00} including the late fee that was imposed after I closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IA).
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: XX/XX/XXXX- I mailed a certified letter requesting validation to XXXX XXXX and XXXX XXXX . ( I have copies of receipts ). I requested proof that I was the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay. 
I stated that this was not a request for verification, but a request for validation. 
I requested the following : Agreement with the client that grants you the authority to collect on alleged debt Agreement that bears the signature of the alleged debtor where he/she agreed to pay creditor Date alleged debt became payable Date of original charge off or delinquency Verification that the debt was assigned or sold to collector I disputed with Experian credit bureau. They wrote back stating they verified accuracy. I sent another letter XX/XX/XXXX disputing inaccuracies, requesting validation not verification, was only sent verification again. I sent another letter around XX/XX/XXXX requesting Experian method of verification and they sent me a letter stating they previously processed a dispute and the credit grantor verified accuracy and they would not reinvestigate the same dispute at this time even though the information requested was not sent and according to the FCRA this is a clear violation. If the credit bureau can not validate the accuracy the account must be deleted from the consumer file.

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 12-11-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (ME).
Issue: Struggling to pay mortgage

Complaint: I am behind on my home equity loan with Bank of America since XXXX 2017. I took out this loan with my ex who is on the note. I have been trying to obtain a loan modification on this loan and have sent all the paperwork. the only problem is my ex is not participating. I am getting mixed answers or no answers from the representatives at Bank of America. I have been told I need a quit claim deed from my ex and then I am told differently. I am confused and frustrated as I can not get straight answers as I have been calling repeatedly with no success. All I need are the correct answers, I want to pay loan with Bank of America, but I am unable to pay all the missed payments. the loan was interest only and jumped up. Please help me obtain the correct answers so that I may retain my home and make payments on the debt I owe. 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
Consumer complaint received 07/31/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a foreclosure sale date for XXXX XXXX, 2015, My lender Wells Fargo Bank received myloan Modification package on XXXX XXXX, 2015. On XXXX/XXXX/2015 I called Wells Fargo about the status of my application because they had not contacted me. The representative stated they had received the package on XX/XX/XXXX, according to my fax submission sheet which clearly states XX/XX/XXXX and I have a fax receipt. Wells Fargo then requested another utility bill which was reoccurring monthly, they had previously received my light bill ( see attached ) Wells Fargo also requested a letter of explanation regarding my reimbursement expenses claim ( see attached ) they also requested that n/a be placed in the box which was missed on page XXXX. All of the requested items were sent to Wells Fargo, on XX/XX/XXXX, XXXX, & XX/XX/XXXX. Wells Fargo then called me back and requested information that was listed on the RMA, what I pay in gas, food, insurance etc. this is a direct violation of the court order of Class Representatives Motion to Enforce Settlement Agreement XXXX where the court ruled in favor of the Plaintiffs that Wells Fargo 's Income Screening is Inconsistent with HAMP and ordered them to stop said practice. I have never received a loan modification from Wells Fargo Bank, when I lost my job I was given a forbearance agreement where I paid a portion of my mortgage payment. Wells Fargo is not cooperating in my efforts to save my home in fact, they are requesting additional information that they already have or which is not germane in making a decision regarding my loan modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Medical) with Medical Data Systems, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I previously filed a complaint against Med Data for reporting a collection account on my credit report without first giving me a notice of my right to dispute. The complaint # was XXXX. They responded to it, but with someone else 's information.

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 02/28/2018 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: I have tried to get my loan modified for many years and have been unsuccessful at doing so. 

No matter how little or how much I earned, my lender, Nationstar has not modified my loan. 

I tried so many years to get my loan modified while the real estate market was down, but each time, ( over 15 attempts ), my lender has denied me as late as XX/XX/2017. 

During all of the attempts with the exception of the past two ( 2 ) years, Nationstar has lost my paperwork, not returned calls, and just asked me repeatedly to send the information over and over again, but to " NO AVAIL ''! 

I know of other individuals who live in my condo building who had the same lender, whose financial situation was about the same as mine, and Nationstar modified their mortgage loan but has done nothing but given me grief! 

Please help me in getting my loan modified by Nationstar. 

I am a single parent, and this is our home, and we would like to keep our home because this is all that we have, and we have nowhere else to go! 

Please HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I contacted the following agencies regarding inquires especially for a purchase of cars by phone. It states to contact the companies who are inqiring. The company 's are stating to go through the credit bureaus. There should be no inquiries on my credit report from the following companies XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX. XXXX XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX. XXXX XXXX/XXXX/XXXX. Most of the information is regarding a vehicle so my information must be viral online since I have n't been shopping for a car. When I called the company based on what the credit report states to follow up with companies on discrepancies. I received a very negative feedback as if I am not entitled to request it be removed. I want them to be removed based on me not requesting to have a credit check for a vehicle. Please assist me in the matter it looks like Trans union is allowing it but, I reported a fraud alert and to contact me on any inquiries to make sure that it is me. I just want them removed especially when I never gave permission there just using my information in there companies and I do not vehicle shopping. 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
Consumer complaint received 05/22/2017 about Debt collection (Other debt) with MRS BPO, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The following agency is not bonded in the state of TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation