milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it may concern, Within the last 3 years I have lost XXXX parents, suffered a XXXX and received XXXX XXXX XXXX. By GODs grace I have been in recovery and working again. About a month ago, my bank/servicer XXXX sold my loan to Greentree Servicing. I received no documentation. When I contacted Greentree, they told me to bring the note current because I do not qualify for any type of modification. I contacted MHA ( Making Home Affordable ) Help Hotline. I was told because I never received a modification, that I am eligible. We prepared all the documents and sent them to Greentree. They have refused to confirm my documents and have posted my home for Foreclosure on Tuesday, XX/XX/XXXX. I have recently received an inheritance from the sale of my parents home. I have also tried to request an accurate pay-off but Greentree keeps telling me that it is too late to do anything except to contact their Foreclosure Attorney. Please help me save my home. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD).
Issue: Fraud or scam

Complaint: My transfer has not been available as promised according to my receipt since the XXXX of this month. I filed a complaint with money gram today since the receiver could not again pickup the transfer and XXXX XXXX from money gram wrote stating it was placed on hold without my consent. Online reference number XXXX. So I filed another complaint Online reference number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Mortgage (Other mortgage) with BB&T CORPORATION (NC).
Issue: Application, originator, mortgage broker

Complaint: This message is a follow up to complaint # XXXX with the intent of modifying the " desired resolution ''. To recap the issue, my wife and I applied for a construction loan with BB & T bank in North Carolina. We spoke with the mortgage loan officer on XX/XX/2015, clarified our need for a construction loan for XXXX the cost of construction. We submitted all documents on XX/XX/XXXX requested from BB & T in their letter of XX/XX/2015. We were told by our loan officer that the loan would be processed in one week. I stated clearly that if there was any chance that the loan would not be approved, I did not want to go through with the appraisal at a cost of {$430.00}. I was assured that if the appraisal was ordered, our loan would be approved. 

There was not one representation made by BB & T that held true. They lied about the appraisal, they lied about the passive income limits from our retirement accounts, they lied about the loan to value ratio requirements, they lied about not having received documentation from us, and they lied about closing dates. 

We continued to be strung along by this group of unprofessionals for XXXX months with excuses about the underwriters and the loan processors " not communicating ''. We then reached our planned spending limit of XXXX the construction cost from our savings with new promises of closing on XXXX XXXX, 2015. XXXX days after being told the closing needed rescheduling, we were told that due to time limits on documentation, we would need to resubmit financial statements. This tactic occurred XXXX times. 

My wife and I finally decided to drop our efforts to close the loan one day after filing our previous complaint to this agency. That day, I spoke with XXXX XXXX, XXXX Manager, and had the same false assurances repeated that had been made by XXXX of her XXXX underlings. Once again we were told that financial documents previously submitted to the bank, would need to be submitted. At this point I realized that our efforts were in vain. 

I have been in and around the construction industry for XXXX years and have worked with at least XXXX other financial institutions with construction loans for projects/homes I have constructed ( all successfully ) and I have never seen anything like the incompetence and outright misrepresentation of the truth as exhibited by the entire chain of command at BB & T. 

I strongly urge anyone considering a construction loan to look elsewhere.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Mortgage (Conventional home mortgage) with TIAA, FSB (ME).
Issue: Struggling to pay mortgage

Complaint: EverBank failed in the first complaint to address the issues in the   XXXX   XXXX  , 2017 letter sent to their attorney 's. It appears that they find the issue of past debt associated with securing the said property irrelevant. Their attorney 's filed the letter ; a signed document away as though it was a trivial matter. They mentioned that a copy of the existing P & S agreement was never forwarded to them. Their attorney 's were not communicating with   XXXX   XXXX   if only they had one would have been sent. It can be shown to a judge.
The   XXXX   XXXX  , 2017 letter was a response to a   XXXX   XXXX  , 2017 letter, an invitation to dispute the amount owed on the said property. The disputed resolution is backed by legal documents, engineering reports, witnesses, photographs, itemized receipts and sections of the law. The purpose of this second complaint is to get EverBank to step up to the plate and answer the question. A debt is owed on the property, paid by   XXXX   XXXX   that has not been paid and needs to be addressed. This matter will be settled either in or out of a court of law.
Their attorney 's were told that external forces that are not visible affect this property and such maneuvers are warned against.   XXXX   XXXX   suggests that all parties read the   XXXX   XXXX  , 2017 letter again. This will be the last time it will be mentioned outside of a court room.
Bad paper is not irrelevant. The question   XXXX   XXXX   wants answered is : Is EverBank going to pay the bill for securing the said property? Do not write an evasive letter with paragraphs that rehash old news, that paints a one sided view of the findings ; or insinuates that   XXXX   XXXX   XXXX    motives are out of desperation but a simple Yes or No response.   XXXX   XXXX   has the right to seek additional damages associated with this matter. It has been over sixty days since the  XXXX  letter was sent, EverBank has yet to answer this question.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Contacted Wells Fargo Financial about a joint account that showed up on my credit report. I have never had a joint account and they could not tell me where this item came from. The charge/off of this account by Wells Fargo Financial has had negative impact on my credit rating.

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 07/30/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (PA).
Issue: Managing the loan or lease

Complaint: I purchased a XXXX Chrysler 200 the next day I called the dealership stating the problems I was having with the car on the way home. They could n't check the car for at least a week, long story short after XXXX dealship checkups and at least XXXX upgrades on the car I filed a lemon law case in XXXX 2014, I was told by Chase finance after I had made XXXX months of on time payments to stop making payments since a lemon Law case was filed. In XX/XX/XXXX I offered to surrender the car back to the dealership but Chase said " no '', but XX/XX/XXXX Chase came for the car. We are waiting to settle with XXXX since in arbitration the car was considered to be " yellow ''. I surrendered to the car to Chase it " was not repossessed ", however Chase wo n't remove it from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (TX).
Issue: Using a debit or ATM card

Complaint: In XXXX of 2016 XXXX charged my acciunt for a transation they claim I made in XXXX. I immediately filed a dispute with mmy bank ( CHASE ) They provided me with a credit, Today ( XXXX/XXXX/16 ) I wake up to an account in the negative by more than {$160.00} because CHASE took the credit back claiming XXXX would not give them back the money and that it was past the dispute perod anyway & gt ; So a merchant cqan process a FAKE transaction and as long as they back date it the consumer has ZERO protection? I have XXXX XXXX I need every dollar I have to survive

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-07-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Risecredit, LLC (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I am complaining about Rise Credit. During the aplication process they leave the consumer in the dark. I was not in any way aware of the cost of fees and intrest I would be paying. I would of never consolidated my credit cards. Thier intrest is 198 % charging me XXXX dollars a day for a XXXX loan. I have made 2 payments of XXXX my loan amount has gone up XXXX in 2 weeks, even with the 2 payments. There is no way out of this loan. It is robbery. It is taking advantage of people in need of finances under extreme stress and despiration. This company needs to be shut down. My mother was able to loan me the money to get out from this. If I didnt have her help I would of ended up paying XXXX by the end of the loan. This should be illegle to charge that much intrest to the consumer. Rise needs to be put out of busniess.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Mortgage (FHA mortgage) with U.S. BANCORP (OH).
Issue: Struggling to pay mortgage

Complaint: My house was sold when there was a loss mitigation package sent in 11 days before the scheduled sale date. and my house was still sold on XXXX i was advised that the package needed to be sent in 7 days before the scheduled sale date and it was. in the past back in may a package was sent in 4 days after the due date allowing only there to be days before the sale date to happen and they stopped the sale and postponed foreclosure proceedings. since then i have been doing my best to compete all their requirements and it is never sufficient for them, i have now lost my home because this entire time they have lied to me. 

LENDER CALL : US BANK SPOKE WITH : XXXX IN LOSS MITIGATION XXXX FORECLOSURE : ACTIVE SALE DATE : XXXX XXXX COMMENTS : REP ADVISED, FILE IS IN REVIEW. DOCUMENTS HAVE BEEN RECIEVED BUT NOT FULLY REVIEWED. REP ADVISED THAT THEY HAVE REQUESTED FOR IT TO BE POSTPONED ON THE XXXX AND STILL HAS NOT BEEN POSTPONED. 

on the conversation above i was informed that the sale would be postponed considering also that they scheduled a sale date on XXXX which is why the postponment request was done. 

is this not illegal? are they allowed to do this not just to me but to everyone else who has gone through this? 

i am an XXXX XXXX woman. are they doing this due to my race? i have shown to them i do have income to keep up with my mortgage and bills. why are they not helping me at all. all they did was unlawfully sell my home. 

i want my home back LENDER CALL : US BANK SPOKE WITH : XXXX XXXX IN LOSS MITIGATION FORECLOSURE : SOLD SALE DATE : XXXX COMMENTS : REP ADVISED, WORKOUT PACKAGE WAS NOT RECEIVED IN TIME FOR LOSS MIT REVIEW. PACKAGE WAS SENT IN ON XXXX AND REP ADVISED FILE SHOULD HAVE BEEN SENT IN ON XXXX 2 DAYS BEFORE IT WAS. REP ADVISED PACKAGE SHOULD HAVE BEEN SENT IN 7 DAYS BEFORE THE SCHEDULED SALE DATE WHEN IN THE PAST I WAS TOLD IT WAS 37 DAYS. ON XXXX WHEN SPEAKING TO XXXX I ADVISED THE REP THAT HE STATED THE REQUEST FOR THE POSTPONEMENT WAS PLACED AND THE CURRENT REP ADVISED THAT WAS NOT TRUE AND NO REQUEST WAS PLACED THAT THE REVIEW WAS CLOSED OUT DUE TO THE SALE DATE APPROACHING. 

REPS LIED AND HOUSE WAS SOLD. 

todays conversation i was told everything that was said on the previous conversation was a lie and postponement was never placed and that the file was closed out from the review. 

completley contradicting information in a matter of days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Upon reviewing my Transunion credit report ( XXXX ), I discovered an obsolete account ( creditor name, Navient, account numbers XXXX, dates opened, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, ). Please delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. 
In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XXXX XXXX, XXXX, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired.

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 03/29/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX, XXXX I paid off all my revolving debt through a HELOC loan with my bank, XXXX of Colorado. XXXX sent letters along with the payoff funds to each company asking for " any documents of title, properly endorsed and released and any security agreements to be released or terminated and any note or credit agreement marked paid or cancelled '', this clearly means to close the account upon receipt of these funds. Kohl 's did not close my account per the request unbeknownst to me. As I had just had my credit report pulled for my loan I could not check it again, post loan, to see if anyone was still reporting on my credit without hurting my credit score. Last night, XXXX XXXX, XXXX Kohl 's sent me a new credit card in the mail that I did not apply for, so I knew my account had not been closed as the letter in XX/XX/XXXX had instructed them to do. I called them today, XXXX XXXX, XXXX to ask for account closure and a credit correction to the XXXX credit bureaus as they have been reporting on my credit report in error for the last 7 months and affecting my credit score. They have refused to help me and have taken the position that the letter did not ask them to close the account and the bank can not request a closure on my behalf, I have to request it. I explained to them that is why the letter has my signature on it, this shows that this was my request. They refuse to correct my credit report. I should not be penalized and have my credit score affected, as I am trying very hard to improve my score and be very smart about my credit worthiness simply because they can not decipher a letter of this nature requesting closure of an account. Having this revolving credit as a trade line on my report is hurting my score and has for the last 7 months, while I thought my score was improving and this should have been removed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Student loan (Private student loan) with First Associates Loan Servicing LLC (MD).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: Good Afternoon, I graduated from  XXXX   XXXX  in      XXXX   2 011    . About 6 months to a year afterwards I start receiving calls from a company called  XXXX  ' who at the time I thought was a branch of  XXXX  or  XXXX   XXXX   . I   may  have given them some  XXXX  which led me to call the  XXXX  all to be advised that they were a separate entity.     I need support due to the fact that I never authorized  XXXX   XXXX  to take Private loans out in my name. Nor was I aware that these loans were activated under my name or that they were even private.      XXXX   XXXX  reps filled out our FASFA, only time that I signed papers was to confirm that I was taking classes and to maybe to complete the actual FASFA process.     I would have Never taken out private loans.  XXXX   XXXX  as really messed me over and I need help getting out of this financial rut for choosing the incorrect school that in the end took advantage of me and what sounds like a lot others in the process.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I have been working with Shellpoint for a loan modification or alternatives to save my home from foreclosure. Since XX/XX/XXXX I have been providing all documents requested. On XX/XX/XXXX when calling in for an update, I was informed additional documents were needed. Those documents were faxed in and received by Shellpoint on XX/XX/XXXX per their confirmation but have not been reviewed as of yet because they are now stating that as of XX/XX/XXXX the review has been closed out. I do not understand how they can already close it out if the documents were sent less than 5 days later. In addition, I was never informed that there was any deadline for the documents. I am now facing a foreclosure sale on XX/XX/XXXX and out of options. How is this fair and ethical? If my information was being reviewed for a loan modification and there is a foreclosure sale the lender should postpone the sale while in this review process, however Shellpoint failed to do so as well. All my rights as a homeowner are being violated and I need your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit card protection / Debt protection

Complaint: Recently, Bank of America lowered my credit limits on XXXX cards without basis. When I questioned them they told me it was due to XXXX reporting my account overdue -- -which was reversed after I filed a lawsuit against them. They dropped me {$6000.00} from XXXX cards causing me to have to drop out of school. When I researched it with XXXX XXXX, I saw that though Bank of America promised to remove a hard inquiry that was done without my permission, it was still on my credit report. I called and spoke with XXXX XXXX, who told me that though the president 's office told me they would have it removed, it would just fall off in two years. She told me that though I had never been late for any payments, they lowered my credit cards and did n't care how it effects my good credit. When I asked for this to be escalated, she outright refused. Now, I have to drop out of school. I told her that XXXX made a mistake on my report, but she said they would have to foist another hard inquiry upon me in order to check. When I told her I sent a certified letter to the president she also told me he would not help me and that though I 've never missed a payment, they did this because of what XXXX did 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 non-monetary relief
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NISSAN MOTOR ACCEPTANCE CORPORATION (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a {$57000.00} auto loan, on my credit report from XXXX XXXX I have contacted them over and over again. I do not own nor have I signed for a Nissan truck, I asked them to remove the negative item off my credit report, because it is a error and fraud. They said, that they would investigate the matter and I didn't receive any update status etc. The collection account, is just remaining on my credit file and hurting my score and was in the process of doing a home loan and lost the loan, because Nissan, reopened the collection accounts investigation account and re-aged the collection account any score dropped 67 points. This is a case of fraud and poor accounting/bookeeping/poor management, on the part of Nissan. They should know without a doubt, whom they have sold a truck to for {$57000.00}. I never went into the dealership, gave my information, signed and agreement or contract, nor have I co signed or taken or received a truck from their company and it is causing me great hardship and harm. Nissan refuses, to correct their error, on my credit report.

XXXX XXXX and XXXX, are required to have a copy of all signed agreements /contracts in hand before reporting any accounts to the credit reports. This requirement, is in place, so that a account, can not be reported, without be verified and have sold proof, that the account actually belongs to the person, it is being reported for.

There has been no validation/verification, because there can not be one completed as this is not my truck or debt and none of the parties are showing any professionalism and morals, by refusing to correct a clear and present error.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: We have paid our mortgage payment each month in full. Our next payment is supposed to be due on XXXX XXXX, XXXX. 
We had recently did a recast of our loan ( an incentive offered by the Treasury department for always being current with our XXXX XXXX ) I understand that it might take a few days for your system to be updated, however when I logged in to my ditech account .It is stating I am 78 days behind. There are unapplied funds ( my XXXX, XXXX and XXXX payments ) just sitting there and nobody is updating the system to reflect I am current. The system is saying I owe {$4100.00} ( XXXX payments ) and is due XXXX XXXX, XXXX. This is incorrect as I am current on my mortgage and not even one day late. 

I spoke to loss mitigation and they told me to be patient until my recast is updated, but in the meantime I am getting nasty collection calls even though I am not late. I am requesting that these unapplied funds be released immediately to reflect my status as current. I am also trying to make sure that I am not being reported late to the credit bureaus. 

If you look at my payment history you will see I 've made my payments on time every month. I am constantly getting the run around when I call. My account rep does n't return my calls, and because I am in a late status my phone calls go right to her voicemail. I need someone at ditech to manually go into their system and update my status as current and release my unapplied funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation