milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Complaint : Nationstar Loan Modification Application Process Loan Number : XXXX Ref : Response to my CFPB complaint # XXXX, Nationstar reply from XX/XX/2016, XXXX XXXX, Customer Relations Specialist, Nationstar Mortgage , LLC, XXXX, Texas In your reply from XX/XX/2016, you are stating : 1. Lack of Response What do I need to know? We looked into the concern you expressed and after an investigation, we are sharing with you what we found. 

Under 1. Lack of Response you replied : In your inquiry you stated you sent emails to the assigned Single Point of Contact ( SPOC ) XXXX XXXX but received no reply. You also stated you received phone calls but they did mention any subject, topic or other information. At this time we have reviewed the attached emails provided in your inquiry. Please understand that your SPOC are not able to communicate via email, as she is only allowed to communicate by phone or written correspondence. 

I am assuming that my confusion lays within this and the next paragraph from Nationstar 's letter/response. 
1. In my conversation with XXXX XXXX ( correct spelling is XXXX not XXXX is in Nationstar 's letter ) and follow up E-mail from XX/XX/2016 ( see attached ) XXXX did mention that I should contact her via E-mail, that communications via E-mail would speed up the application process. 
2. Also, I did follow up on XX/XX/XXXX, after my call, and sent XXXX an E-mail. 
3. XXXX XXXX replied to my E-mail and sent the forms for the loan modification application. 
4. Same for submitting the loan modification application and all documents on XX/XX/2016. 
5. Please see all E-mail communications sent from me to XXXX XXXX and XXXX XXXX 's replies attached. 

My confusion again is why you are stating that the SPOC, XXXX XXXX, is " only allowed to communicate by phone or written correspondence '' when she clearly is communicating with me via E-mail. 

As you are stating in your reply to my complaint submitted on XX/XX/XXXX, you were hoping that your reply will alleviate my concern. I guess my questions are that if you are hoping for that and you have investigated this, and your goal is to provide exceptional customer service, why do I still have questions about your reply? If the SPOC, XXXX XXXX is indeed not allowed to communicate via E-mail, why did I receive E-mails from her? 

Why are Nationstar 's tactics so deceptive and not clear? I have tried to communicate with Nationstar to the very best of my knowledge and in timely manners throughout this process. Nationstar has clearly and continuously not.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian is allowing numerous accounts to remain on my credit report some well past the date they should have dropped off.

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 09-02-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: They are threatening to take me to court and I try tomake arrangements

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 01/29/2017 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX, an illegally anonymous individual at US Bank falsfied claims about a single {$330.00} check normally endorsed and deposited, processed 1x per the customer who provided copies of both sides of the check, and involved a business protected by the debt collections laws as a strategy the bank staff are not familiar with, who were served with a Cease and Desist almost the same day, and went on for {$15000.00} in damage infliction with mail fraud, wire fraud, accounting fraud, bank fraud, blocking the use of their names, sending anonymous letters from other states US Bank offices with return addresses in IL, and moving on to falsified claims about US mail addresses for another 5 months after this was shut down on CFPB, as persons continuing to claim that they can resurrect their not nuisance filing at this level of malevolent damage infliction meeting IL criteria for XXXX by the bank employee ( s ) personally, demanding their victims " live in the poverty '' like a XXXX. The bank sent out completely different false claims to every mediator, and openly conducted this dispute they refused to drop formally even via CFPB when they did for the criminal purpose of stalking the victim and inflicting severe egregious damage infliction while hiding names and sending junk from out of state calculating they can get away with it. It is necessary to forcibly expose them and shut them down now XX/XX/XXXX.

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
Consumer complaint received 07/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Original Loan :  XXXX - XXXX  Amount : {$35000.00} Deferred for 2 years.
Income based payments for 4 years.
Have paid on a normal, regular payment plan ON TIME and MORE than required monthly for FOUR years. Total debt amount has NOT gone down. It goes UP and they claim interest reasons. There is NO WAY this can be correct. I feel this is shady and it needs looked into.
Company :   XXXX   XXXX  , now Navient

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (IL).
Issue: Problem with the payoff process at the end of the loan

Complaint: I borrowed {$1200.00} in XX/XX/XXXX for approximately 2 weeks. On XX/XX/XXXX, I called to pay off the loan in full. The total was {$1800.00}. Big Picture Loans has not taken the payment out of my account and they are continuing to access interest on a loan that was paid off. They are refusing to present the ACH withdrawal to my bank XXXX. I have called my bank on 4 separate occasions to find out if the payment had been presented for payment. XXXX indicated that XXXX XXXX XXXX XXXX has never presented a ACH withdrawal. 

I spoke with the manager at Big Picture, XXXX twice and she assured me she would take care of the payment in full. 

Then I receive an email from the company stating they still have not taken the payment BECAUSE OF AN ERROR ON THEIR PART. 

At this time, I am filing a fraud complaint against this company for unethical business practices and extortion for attempting to access additional interest on an account that was paid off in good faith. The money has been sitting in my XXXX checking account since XX/XX/XXXXwaiting for Big Picture Loans to process my payment in full while I keep getting phone calls stating my account is delinquent and accessing more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Student loan (Non-federal student loan) with DISCOVER BANK (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan payment was raised by {$130.00} dollars with no written notice by Discover Student Loans. 
They are unwilling to work with me to reduce my payments, & say that if I do n't make full payments they will report me to a credit company. I always make my payments on time. 
They have withdrawn funds my checking account without my consent & they admitted to doing it. 
I am having so many issues with Discover Student Loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/21/2016 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (CA).
Issue: Application, originator, mortgage broker

Complaint: I started the refinance process with my current lender back in XXXX 2016. After submitting all of the requested information in a timely manner, they informed me that too much had passed and that I needed to start the whole refinance process over again. 

I resubmitted all of my information once again and after repeated attempts to check the status of my refi, I was finally informed that the person I had emailed all of my information to " was on leave '', then later " got into a car wreck '', so I once again, had to submit all of the same information I had submitted months ago. 
Recently, they 've begun requesting further information beyond their original requests, have led me on by saying my loan is " approved with conditions '' they keep changing and meanwhile, interest rates have risen and they continue to ask me for documentation I 've already submitted. Again and again. no financial institution should be allowed to waste a customer 's time in this manner presenting false hopes of reducing their mortgage 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 02-10-2016 about Credit card () with CITIBANK, N.A. (DC).
Issue: APR or interest rate

Complaint: Bloomingdale 's continues to charge $ XXXX/month as " minimum interest '' when I have no outstanding balance on my account. They even reduced my credit line for not paying this {$2.00} charge.

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 02/22/2018 about Debt collection (Medical debt) with ASSET MANAGEMENT OUTSOURCING, INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have called and stated that they are charging me a duplicate amount and that I have already paid this amount. the account listed two of the same dated times and services and the same charges .This is a duplicate charge.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FC HoldCo LLC (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Tried contacting, no luck. No help with customer service. Need this taken off credit report. Flagship credit acceptance XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016 XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX,2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016

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 04/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have requested reinstated for behind amount on XXXX/XXXX/2015 and Lender told me that it takes 5 business day to give me reinstatement amount. However, until now as of today XXXX/XXXX/2015 they did not give me the reinstated amount and told me my house will be foreclosed on XXXX/XXXX/2015. I could not understand distress homeowner will be treated that way while the lender see my house has equity and want to foreclosed it to benefit them

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 SYNCHRONY FINANCIAL (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have three negative items on my credit reports. Two of which are related to me short-selling my home after a divorce in XXXX. The 1st mortgagee was XXXX XXXX XXXX XXXX and the 2nd mortgagee was XXXX XXXX XXXX. Both of those lenders accepted their prospective proceeds from the short sale in XXXX. I have no issue with those negative debts on my credit report. The third negative item is from XXXX XXXX XXXX ( partial acct # XXXX ... ) and it shows Paid in Settlement in XXXX. I believe there has been a mistake in reporting between lenders. I believe Synchrony, previously GE Money, was my original 2nd mortgage. As was common back then, my mortgages were sold to different lenders in the time I was there. I believe a reporting error was made because of a lender debt sale or name change. I have contacted the phone number on my credit report for Synchrony and been transferred to multiple phone numbers within the company. Finally, I spoke with someone at Synchrony who can only see the same account info in their system that is on my credit report because the account is so old. Synchrony, nor the XXXX Credit Dispute can show any documentation that this " debt '' is actually a negative item created by me. There was only a 1st and 2nd on my home and those were settled. I need proof of what this negative item from Synchrony actually is and how it was settled. If this debt ca n't be substantiated by the lender, then the negative item on my credit report needs to be removed. I have already intitiated and received and disputed the intial credit report dispute thru XXXX. There response basically said that " Yes,  Sycnchrony settled a debt with you ''. No other information at all. It could be a fradulent account and the lender provided no evidence to the contrary. 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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The following accounts have been previously removed but keep reappearing on my credit report. The following companies have been removed from the report several different times but keep reappearing with old reporting dates.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   US Dept of Education   XXXX   XXXX   State Tax Lien   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Problems caused by my funds being low

Complaint: THIS IS THE SECOND TIME WITHIN A FEW WEEKS THAT I AM FILING A COMPLAINT AGAINST CITIBANK RELATED TO AVAILABILITY OF FUNDS. 
There are two issues that happened today : 1. Citibank refused to give me a cash advance from a Citibank brand 's Sears Card because I was missing my New York State Driver 's License with me even though I am a customer of the bank and have been in the branch where I tried to do this at least 20 times. They would NOT accept any other form of id and knew that my account might become overdrawn without this cash advance where they could charge return item fees as well as have me incur fees from the payees of these items which could result in fees of over {$60.00} per item. They know that my checking account has a XXXX balance because of issue no 2 below. I even had them contact the executive response unit that dealt with the CFPB complaint I filed a few weeks ago and they would n't relent on this issue. I WANT TO KNOW IF THERE IS ANY FEDERAL REGULATION OR GUIDANCE ON THIS MATTER FROM EITHER THE CFPB OR THE COMPTROLLER OF THE CURRENCY OR THE FE4DERAL RESERVE OR ANY OTHER STATE OR FEDERAL AGENCY. 
2. A merchant XXXX near the town I live in XXXX NY charged a debit card for my wife this morning XX/XX/XXXX even though I asked them to use a different card which brought my available balance to XXXX. The merchant agreed to reverse the transaction and put the charges on a different card but Citibank refused to release the funds even after confirming with the merchant that the charges were being reversed. In the past when I had this problem Citibank cooperated in doing this but now claims some rule of Mastercard effective XX/XX/XXXX does n't allow them to do this. This is putting me in the same situation of having items returned for insuffcient funds. I WANT TO KNOW IF THERE IS ANY FEDERAL REGULATIONS OR GUIDANCE ON THIS MATTER FROM THE CFPB, COMPTROLLER OF THE CURRENCY, FEDERAL RESERVE OR ANY OTHER STATE OR FEDERAL AGENCY.

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 02/14/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am still having problems with my personal checks being declined by Certegy Check Services. I need to know the reason why my personal checks are being declined. My XXXX XXXX XXXX checking account has a current available balance of : {$50000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is still listing an account that is past the 7 year reporting period in violation of the FCRA. XXXX XXXX XXXX account number XXXX. 
Attached is a copy of the item on my Experian credit report. Please note the STATUS DETAILS where it states that this account is scheduled to continue on record until XX/XX/2017.

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 10-12-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America can only initiate foreclosure 30 days after contacting ( or diligently attempting to contact ) borrower to discuss foreclosure alternative in accordance with California Civil Code 2923.55 ( a ). Only after ensuring the NOD, NTS, assignments, and substitutions of trustee are accurate and complete and supported by competent and reliable evidence in accordance with California Civil Code 2924.17 ( a ), and after substantiating the borrower 's default and servicer 's right to foreclose in accordance with California Civil Code 2924.17 ( b ). 
Bank of America has not complied with the California Homeowners Bill of Rights as declared in the Bank of America California Declaration of XXXX XXXX, 2016, page XXXX of the XXXX XXXX, 2016 Notice of Default ( NOD ). Bank of America 's substituted trustee, XXXX ( XXXX ) and their third party servicer XXXX XXXX, did n't even know this borrower has been previously approved, offered and accepted a MHA HAMP or this home loan mortgage account is Housing and Urban Development ( HUD ) insured demonstrating noncompliance with the California HBOR as referenced above. 
According to Bank of America 's own generated documents and documentation, the Bank has not contacted or attempted to contact me prior to the recording of the XXXX. Bank of America 's own records also indicate this home loan mortgage account and borrower remains pending in the modification process. If Bank of America 's own records are not competent and reliable evidence then the only record to be considered is the first-hand account of the borrower. 
I know Bank of America has not complied with the XXXX ) enforced by the California HBOR and have not demonstrated the right to begin the foreclosure process to date. Generating correspondence that do not address my concerns and cite previously bank generated documents does not establish the contents of those documents as truths, especially when those documents cited are post XXXX XXXX, 2016, the date of the Bank of America Appeals Department Appeals Report and supporting documentation granting MHA HAMP and directing the Bank of America Underwriting Department to forward borrower into a MHA HAMP TPP.

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 02-01-2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Closing on a mortgage

Complaint: Wells fargo home mortgage has yet to provide documents from 2009 as I requested from closing as I have. 
Wells fargo has not provided documentation only on 2009 closing as I have and was giving to me.

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 Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Upon being denied from a lender for " too many inquiries '' from TransUnion report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my  XXXX ,   XXXX   and TransUnion that I DID NOT AUTHORIZE and had no knowledge of. I also have had frauds alerts already in place which should have avoided any future issues. Please see the following inquries that were not authorized by me with the date of when the report was improperly requested and received any identification or authorization from ME to pull my credit for any reasons.    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    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   XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX

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 Bank account or service (Checking account) with JPMORGAN CHASE & CO. (LA).
Issue: Account opening, closing, or management

Complaint: Chase Bank closed my account without notification for a mistake that they made and I had to wait almost 30days to get my money back because of their hold policy on an account less than 30days old. They closed the account with XXXX $ still in the account and did n't say why it was closed just when I went to use it I got denied. They wo n't close this account until almost 20 days since the account was in process of closing. They have no reason to hold the money because they will not allow any transactions to go through. This has almost messed up my daughters child income not allowing despisers to be made. They have lied about why and how long they would be holding the money and I can not access my own funds.

Company response to consumer: Closed with explanation