milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/27/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have been contacting ASC ( Wells Fargo ) regarding a modification of my mortgage. Before I could provide proof of a change in my circumstance since my last review, they advised me that a new rule, which was implemented after I started this process, states that no modification would be considered on a loan that is in arrears for 3 years or more and had been offered a modification in the past. I was first told that this was an investor rule, then I was told that the rule was a CFPB rule. When I called CFPB, they said they have not heard of such a rule and that it was not a CFPB rule. ASC keeps giving me the run around and have not been able to confirm who 's rule it is. I left several messages for the person assigned to my case in the escalation department and have not received a call back regarding this question. The re-entry department died me without reviewing my change in circumstance but I keep getting letters that my file has been assigned to a Home Preservation Specialist, who keeps sending me financial worksheets to fill out, which is totally confusing me, why would they send it if they say I 've been denied. Every time I call to speak to the Home Preservation Specialist, the call center says they ca n't transfer me because I have to speak to the re-entry department first. I am frustrated and confused and just need consistent answers from someone who actually knows what they 're talking about. 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 03-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: On XXXX/XXXX/2006, I took out a {$13000.00} private student loan with XXXX XXXX at a 3 % interest rate. To date, I have made payments totaling {$14000.00}. The interest rate is now 10.25 %, and the balance is now {$24000.00}, with a required $ XXXX/month payment, that increases each month. I am paying {$6.00} per day in interest. If I continue on the current course, I will have payed Navient over {$62000.00} for a {$13000.00} student loan. I have contacted Navient on multiple occasions to try to refinance my loan and/or remove my cosigner, but have only gotten the run around. I understand that I took out a loan, and I believe that I should repay that loan with interest, but I do n't think that I should have to repay it 5 times over. ( I pay this loan on time every month, and have not been late on a payment in 5 years. )

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My wife and I have a Bank of America XXXX. They detected fraud and issued us new credit card numbers, but the fraud charges continued immediately with the new credit card number. I was also using the card and sometimes the fraud charges were occurring on the same day as my charges. A third credit card number was provided. 

We were originally told that we would not be responsible for the fraudulent charges, but recently Bank of America told us in writing that they have concluded their investigation and we are now responsible. The total amount of the charges is ~ {$57000.00}. 

The reason why they are saying that the charges are not fraud is that someone ( male voice ) called from our home phone and approved at least one of these charges. So since the charges we are disputing include the " approved '' charge, Bank of America believes that none of the charges are fraud. 

My wife and I live alone, and no one else has access to our residence other than our cleaning lady. 

Bank of America has issued us new credit card numbers a few times now, always based on fraudulent activity that they detected. 

When I originally filed a police report on this fraud, I was told by the officer ( XXXX NJ Police Department - Case # XXXX ) that there is technology available known as " caller id spoofing '' that can make it look like a call is originating from a specific number, when in fact, it is not. This could explain some things. 

My wife and I did not make these high price charges on our Bank of America XXXX. 

I visited a Bank of America retail store because I was told I needed to substantiate my identity before they would talk to me. I did this. This was the only way I was able to find out the reason why B of A believes the charges were not fraud. 

I have yet to find out when exactly ( date and time ) the call or calls were made from my home phone number that approved the high price charges. 

Also it is important to know that I have been the victim of identity theft. Someone did open a XXXX XXXX XXXX XXXX ( XXXX ) in my name at a retail location and obtained {$5000.00} in instant credit, and purchased ~ {$4800.00} in  merchandise that day. I received the credit cards in the mail at my home address. I reported this to XXXX immediately and I am not liable for these charges. 

My personal information was compromised during the XXXX breech. I went on their webpage and did substantiate this fact. 

I feel that Bank of America 's identity verification system is not robust enough, given the widespread breech of personal 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 monetary relief
Consumer complaint received 09-10-2015 about Credit card () with DISCOVER BANK (PA).
Issue: Delinquent account

Complaint: discover card has been reporting me to the credit reporting agencies while i have been paying them as i agreed since XXXX of XXXX this company also reported to the credit reporting agencies as charge off while i am paying them and also the balance they reported not reflect what the balance i won.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have had problems with setting up repayment while still in school. Had to submit enrollment form twice to stop the repayment starts. Below shows last year when the issue first started XX/XX/XXXX : Has my school enrollment been updated because I have a payment due on XXXX but I am still enrolled in school till the end of XX/XX/XXXX? XXXX XXXX XXXX Account # XXXX Then XX/XX/XXXX they still had me owning and past due after the school sent an email they faxed in my enrollment form. <P/>In XX/XX/XXXX I was told loan repayment would start XX/XX/XXXX. On XX/XX/XXXX received and email payment due XX/XX/XXXX. ( Three days later ). <P/>I called on XX/XX/XXXXabout XX/XX/XXXX payment and asked was there going to be a draft from my account and was told no. That my XX/XX/XXXX payment covered the XX/XX/XXXX payment and account showed I was ahead. I was on vacation and stress this to customer services and was told, " Nothing will come out on XX/XX/XXXX. '' That Monday my account was drafted {$630.00}. I had to get a payday loan to cover my car note and auto insurance that were set on autopay from that account. I called and asked to speak with a supervisor to be told the agent I spoke to on XX/XX/XXXX did n't know I did the autopay online and not through them. I said the online autopay is through you. I asked to cut off my autopay ( which now I lose interest rate reduction ) and refund my {$630.00}. I have not confirmation of it happening.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed multiple times the incorrect information being reported for an installment loan from XXXX that 's has been continually reported as a mortgage loan and now I am unable to qualify for a first time home buyer loan due to this issue so I am unable to purchase a home and I am going to have nowhere to live due to the fact that my current lease is getting ready to expire.. PLEASE help me, I do n't know what else to do, myself and my son are in a very difficult situation and I need immediate assistance. 

I from the bottom of my heart appreciate your immediate assistance. 
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 07/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (WI).
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint: I was trying to get a cash advance against my Sam 's Club MasterCard ( issued by Synchrony Bank ). My last statement shows that I have a, " Cash Advance/Quick Cash Limit '', of {$2000.00}. It also says I have, " Available Cash '', of {$2000.00}. <P/>I wanted to take a cash advance of {$1800.00}, and went to a brick and mortar credit union to get this cash advance. At first my card was declined, but that was because of me not answering a mailing from them, as I am out of state from my permanent location. I get that straightened out, and the CSR tells me that I can only get {$200.00} per day, not any amount up to my limit. <P/>Later, I get on the website for the Sam 's Club MasterCard, and use the chat forum. They tell me the same thing. I then ask if I could get a copy of the cardholder agreement. Or if there 's somewhere online that I can look at it. I find out that there 's nothing online, not even when signed in to my " https : '' online account page. I also find out that they can only mail ( snail-mail/USPS ) a copy of the cardholder agreement, and that I should receive it within 30 days. <P/>This does me absolutely no good. Currently, I 'm roughly XXXX miles away from my mailing address, wo n't be back by it for a couple of weeks, and then only for a few days ; I also ca n't read my agreement online. How am I supposed to verify what they are telling me is correct? I 'm especially upset because of the way it 's worded on my statement as, " Cash Advance/QUICK CASH LIMIT '' ( capitalization except for first letter, mine - for emphasis ). <P/>Do I have any recourse except to wait 30 days to get a copy of my cardholder agreement? I have attached a transcript of the chat session I had with the online CSR ( along with a copy of the chat window, showing both the beginning and the ending of the conversation. <P/>I did post an email address in the attached document with my " Chat '' transcript that you might want to remove before publishing.

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 12/19/2017 about Debt collection (Medical debt) with Capio Partners, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Capio account # XXXX amount is {$250.00} this was placed on my credit report and no one ever called me or sent me information. This debt is not validated as I have insurance and it was paid. XXXX XXXX ... their office is not helpful at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/28/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: For the past 2 years I have Disputed this account that is not mine. I have been disputing this for over a year by certified mail. My last dispute was on XX/XX/2017 and I am yet to hear a response.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Tax Lien information on all XXXX reports is incorect I am making 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 05/26/2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (MD).
Issue: Taking out the loan or lease

Complaint: I came to the dealership to purchase a new vehicle. I was greeted by XXXX XXXX XXXX, the sales consultant, there. After we sat down and discussed the terms to the new car purchase, he and the sales manager, XXXX XXXX, told me the price for the new XXXX Toyota Camry SE was {$19000.00}. With that price being agreed upon, I went in the room to discuss the finance with the financial manager, XXXX XXXX. 
XXXX told me that because I did not qualify for a low interest loan, they would have to take away the {$2500.00} cash back offer by Toyota manufacturer so I can be qualified for the loan. That brought the total up to {$22000.00}. On top of that, he said because Toyota financial service will only guarantee me the loan if I purchase all of their warranties. At the end, the total came up to be {$31000.00} including tax and title fees. When finally drove the car home, I realized that the paperwork stated the car was a XXXX Toyota Camry SE but the car they did the paperwork on was a LE model, which cost less than the purchase price on the paperwork. 
I contacted the dealership later trying to resolve my problem but XXXX, XXXX, and XXXX refused to work with me to resolve the situation. Even though they provided me with misleading information on the purchase price and the actual model of the car. XXXX also falsely told me that I need to purchase all of their warranties in order to qualify for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Here is my situation. I bought a property in XX/XX/XXXX that was appraised at {$420000.00}, and put down XXXX. I refinanced that property in XX/XX/XXXX and it was appraised at {$400000.00}, which I questioned because the comparables were stick built and my building is concrete and steel.. The refinance was approved. 
My current mortgage balance is approximately XXXX. 
At this time, similar properties in this building are listed and selling for XXXX to XXXX. 
I have been patiently waiting for the value to return to this property and figured that in XX/XX/XXXX that would be the bottom, but obviously it is at a new low. 
I feel like I was taken advantage of by this practice of over inflating the appraisal and poorly trained lender or bank staffDo I have a case for principal reduction. I have contacted the lender, Wells Fargo, and no response. 
How do I proceed from here. 

Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Debt collection (I do not know) with National Credit Systems,Inc. (WV).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Attempted to call me FIVE times today alone about a family member 's debt whom does not live in my household. That family member called today and requested that he stop calling me, yet he had called twice since after that phone call!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XXXX charged my card {$2500.00} for a 2 day rental that was previously paid for. They have no contract or agreement for that amount chase keeps allowing them to refill the fraudulent transaction repeatedly

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: I 'm so sick of Bank Of America.constantly sneakily stealing money from their Customers! I have well over the min Balance to waive " maintenance fees '' yet they still once in.a while.sneakily Charge me. The min balanceone should have is XXXX and I have almost XXXX. It 's ridiculous. They need to be investigated because they do this too many people knowingly! If you do n't thoroughly inspect your back statements, you may unwilling be giving your money away to them. If course back of Ameeica customer service is almost non existence as well! They give you numbers to call, mainly wrong numbers and do nothing to fix the issue

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/27/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Trouble during payment process

Complaint: We did a modification on our mortgage almost a year ago now & have not been late or missed a payment. We now have a charge on our mortgage statement of {$330.00} XXXX of what they are calling lender paid fees but no explanation of what those fees are for or who exactly they paid. Our mortgage statement shuts that they will not accept another mortgage payment until we pay this fee first. We have tried to contact them, only to be put on eternal hold and were given the option to press 1 for a return phone call, which we did, but still no returned call. I dont see how this is legal for them to access a fee out of the blue with no detailed disclosure of who they paid the fees to or what they are for & now refusing to take our next mortgage payment until we pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Student loan (Federal student loan servicing) with Rhode Island Student Loan Authority (RI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The Rhode Island family education loan which was taken out with my grandmother as co-signer has defaulted and immediate repayment requested. The co-signer, my Grandmother, passed away and the RI student loan authority, through the lawyer XXXX XXXX XXXX XXXX, has filed a claim against her estate. The claim is against the estate for XXXX others whom my grandmother co-signed. The XXXX of us have been repaying our loans, as usual since the loan provider contacts you after the six month grace period. We have been reducing the total amount of loan, but the claim is for the original amount which we all took out. The claim is for {$97000.00} and I know that the claim is off by at least {$11000.00}. I know this because I owed {$17000.00} vs. about {$6000.00} currently outstanding. ( document attached ) Also, monthly payments are being made of about {$120.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Settlement process and costs

Complaint: My ex-husband secured a loan modification by forging my name and making false statements. As a result of his actions my name is still on a mortgage loan 4 1/2 yrs after divorce decree that can not be assumed nor is he able to obtain a new loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Younomics reported my account being 30 days late in XXXX and XXXX 2015. I called in late XXXX about this report. The agents on the phone said they had no way of reversing the report. I had made payment arrangements with the company early XXXX and specifically asked that my account would reflect paying as agreed, they told me yes it would. Two weeks later I see that they reported my account late and I was continuing to receive collection calls. My account is paid up to date and I would like the report of being 30 days late removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Convergent outsourcing reporting on my credit report that i owe them. First of all, i never had any contract with them i never signed anything sgreeing to pay them i never received any communication from them at all. You cant drop a name in the hat and just assume especially with a common name like mines. The debt is.not mines and they need to remove it immediately. I have no written signed contract with this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Concord Servicing Corporation (SD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: For my Timeshare bill, the company does not send me a statement. I can not send my payment to the physical timeshare place ( in PA ) because they will not accept the payment. They use a service called Concord. Concord does NOT send me a statement for the amount but then sends me a collection notice and charges me an extra {$35.00} to take my payment. This has happened for the past 2 years. I ask for them to send me the statement or the copy of the statement and they never do. They also will not email me the statement. I feel this is a bait and switch. I want to make my payment, but they do not make it easy and I believe they intentionally send everyone to collections for the extra {$35.00} and late fees.

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 08-05-2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide proof with the documents that their company has on file that was used to verify the accounts I disputed. They have gone past the 30 days and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have disputed. Please resolve this issue as soon as possible. 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 non-monetary relief