milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Trouble during payment process

Complaint: Nationstar added my sister to the mortgage. When I first brought the house to help out my mom the mortgage was in my name and sister  XXXX   XXXX . Less than a year later  XXXX  's name was taken off. My mom 's credit still was n't too good due to divorce, however the bi weekly program, plus deed and taxes was put with my mom 's name  XXXX   XXXX  and  XXXX  's was taken off. When Nationstar brought the loan 3 years ago my name was only on the loan, however about 9 months ago Nationstar decided to put  XXXX  's name back on the loan. My mom pays the mortgage, which Nationstar has her bank account on file to take out every month. I have tried to refinance either by myself or with  XXXX   XXXX . But because of Nationstar adding  XXXX  's name for no apparent reason we can not do so.  XXXX  is also very upset because no mortgage company has been on her credit report for over 5 years, now all of a sudden Nationstar is showing up on  XXXX  credit report. I have sent Nationstar several times all the paperwork without  XXXX  's name on it and with my mom 's name on all documentation and they refuse to remove  XXXX  's name. Now also my mom usually pays my phone, but now they wo n't even allow that. My mom has called in paying since we first tried to refinance and stopped the biweekly. Their customer service people are very unknowledgeable and can not even sp eak English clea rly. Also I have asked them several times and sent them documentation that I would pay my own homeowners insurance, as they are thiefs in my eyes. My homeowners went up {$9.00} a year in  XXXX   Nationstar raised my  rates by over {$12.00} a month because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: This Affidavit and Notice Complaint is being filed on behalf of the consumer with the Consumer Financial Protection Bureau for a more transparent investigation. The debt collector XXXX XXXX XXXX has used the consumer 's promissory note in a fraudulent manner in association with the disputed CFPB [ Case No. XXXX ] and this has become an issue where the debt collector has independently provided as verification false statements and representation ( please disregard the option used impersonating attorney etc., as this was the best option ) of a fraudulently endorsed promissory note during an investigation with the Consumer Financial Protection Bureau which has completely condemned and denied the consumer to complete and accurate 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 03/21/2015 about Mortgage (FHA mortgage) with CASTLE AND COOKE MORTGAGE LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased my home in XX/XX/XXXX. I recently received my XX/XX/XXXX Annual Escrow Account Disclosure Statement from my loan provider Castle & Cooke Mortgage. My current mortgage monthly payment is {$1400.00}. Upon reviewing the statement, I realized my new mortgage payment increased to {$2500.00}. I called Castle & Cooke for an explanation. The representative explained ... ..they did n't pay your XX/XX/XXXX taxes. She kept referring to they when assigning blame. When I asked who is they, she did n't answer me. I asked again and then she said the service provider. Then I asked ... ..are n't you the service provider? She finally admitted it Castle & Cooke failed to properly collect the funds for escrow. She did not provide means or options to resolve the issue. I had to ask for my options at resolving this issue. I am concerned because this is a problem generated by Castle & Cook, a problem, I believe they intentionally perpetrate. The representative stated this is a common occurrence. The representative stated I had up to 36 months to pay for the shortage of escrow funds. I asked if there would be a fee incurred and she stated no. I am leery of her statement but plan on proceeding with this option. Once I find out exactly how this works, I may submit another complaint or add to this one. During my research of Castle & Cooke, I found your organization has taken action against them for steering consumers to costlier mortgages. I feel I am being exploited and being taken advantage. I venture to say there are many consumers in similar situations who have not voiced their concerns.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Zombie recurring transactions charged to card in error by merchant enabled by VISA Account Updater. The updater links transactions to closed credit card numbers to current number without consumer permission. There is no consumer opt-out from Bank America VISA Account Updater according to BofA credit card customer services. Consumers are being charged for cancelled or erroneous merchant services despite consumer disputing those charges. Specific case : Travel Reward Card receiving charges from XXXX XXXX for {$5000.00} per month for several months. Consumer disputed charges with Bank of America. BofA Dispute resolution process informed consumer that merchant provided evidence the charges were legitimate. However, neither the merchant nor BofA can provide consumer specifics : what account is active, and what services are being billed associated with this consumer? The consumer has not used XXXX XXXX for several months. The consumer disputed and cancelled the credit card number twice, Bank of America re-issued a new card with a new number each time, but is still posting new XXXX XXXX {$50.00} charges each month to the new number via the VISA Account Updater. The consumer never provided the new number to this merchant. Zombie transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (MD).
Issue: Problems when you are unable to pay

Complaint: This vehicle has been paid off. I have made several attempts to obtain my title for the vehicle over the last several months and have not received it. The status on my credit report does not reflect as agreed. Account was to reflect paid in full. This car was sold with a false odometer statement and I have put less than XXXX miles on the vehicle since purchased 5 years ago due to mechanical issues. I got behind on payments earlier this year due to me having to purchase a more reliable vehicle. Tried to make several attempts to lower my payments with wells fargo by possibly refinancing the vehicle. My credit score was great but they would not refi due to me informing them I do n't know the actual mileage on the vehicle because I found out when I tried to trade it in the XXXX showed the miles were rolled back. This loan has caused me to go through financial hardship and tarnished my credit. Wells Fargo was not help with coming up with a solution or making any type of agreement to make payments affordable. I offered several options and they declined them all. Once I received my tax refund this year I called to pay the car off in full. I was told by the rep she could save me some money by settling for half the balance which I paid. I now feel like I was scammed. I have not received my title, and my credit report reflects the incorrect status. I have a big piece of junk sitting in my driveway I can not get rid of because I lack the title.

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 03/16/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX, XXXX at XXXX, I received a suspicious email that was stated as sent from Shellpoint Mortgage Servicing, the company about which we filed complaints # XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. The email was directing me to an unfamiliar website to download files that were supposed to be sent to me from SMS and a deadline retrieval date of XXXX XXXX, XXXX was given. On the side of caution, I did not open the email due to cyber security concerns. On XXXX/XXXX/XXXX at XXXX, I sent an email to XXXX, the person assigned by SMS to our loan account, informing him about my concerns and asking him to contact me for verification of the suspicious email which I forwarded to him. On XXXX XXXX, XXXX, I called to speak with XXXX but was told by a representative that he had not come into the office as yet since he was located in Texas. I told her about the email and she put me on hold to check for any mailing on our account. When she returned she said that saw no email being sent and that their only mode of communication with borrowers is by telephone and postal mail. I called on XXXX XXXX, XXXX to speak with XXXX and I again told that he was not available. My call on this date was about the suspicious email and a letter dated XXXX XXXX, XXXX that I had received form SMS. In regards to the suspicious email, the SMS representative I spoke with told me that it was not sent from SMS because their mode of communication is either telephone or postal mail. I asked the representative why was I receiving a letter asking for the same information that was sent in late XXXX and early XXXX, XXXX. I also told him that on XXXX/XXXX/XXXX XXXX called and told me that no more documents were needed and our file had been submitted to underwriting. But a few days later an SMS representative asked me to send some additional documents which I sent on XXXX/XXXX/XXXX. The SMS representative confirmed that they had received all the documents and that I should ignore the SMS XXXX/XXXX/XXXX letter because our file is now in underwriting. I have two concerns ( 1 ) that to date I have not received a call from XXXX XXXX confirming what the two SMS representatives have told me regarding that I should ignore the SMS XXXX/XXXX/XXXX and the suspicious email and ( 2 ) to avoid any chance of Shellpoint Mortgage Servicing reporting that we ignored loan modification communication as was reported by the previous servicer XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (TN).
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: I had a Federal Tax Lien filed in error on XX/XX/XXXX. The IRS realized it was an error and issued a withdrawal on XX/XX/XXXX. The withdrawal was sent to the Register of Deeds in my county but XXXX and Lexis Nexis never reported the withdrawal. I filed a dispute and reinvestgation but XXXX  insisted the information from Lexis was correct and never corrected the information even though I sent them a copy of the withdrawal twice. My husband filed a complaint with CFPB as he was treated in the same manner. The result was it was corrected on his report but not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone purchased lights in my name without my permission. I reported it to the company and requested that they remove the items from all XXXX credit bureaus. The company failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AR).
Issue: Loan modification,collection,foreclosure

Complaint: Over the past 5 months I have been seeking a resolution to a problem with the manner in which my home was foreclosed. Wells Fargo has not responded in a satisfactory manner to questions or issues I has consistently questioned. my home was foreclosed on after providing information to reinstate the loan. Previously the information had been accepted in lieu of work out options. There was one single item questioned. there was a request to verify service at the home. There service documentation was provided via a bill that noted the service address but the bill was mailed to a 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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I Called Navient early last year, and let them know my situation abut repayment. They told me that I did not qualify for a forbearance because i had already done it 3 time and was n't allowed to do it anymore. Then, they told me in order to get any help with repayment, I had to be past due at least 3 months. When that happened, they were able to adjust my interest rate down to 3 % for 1 year, which i thought was fantastic. But what i did n't realize was that after the 1 year had passed that my interest rate was going to be higher than it ever was at 9.5 % and it was going to keep getting higher each month after. They have no explanation as to why they did this. All of my private loans are currently set at 9.75 %. I feel as though something else can be done as I will never be able to pay more than minimum at this rate and it will take me longer than ever to repay these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I am trying to get my PMI cancelled including appreciation. The mortgage company has repeatedly sent me the same e-mail with information that tells me my house needs to appraise at a value that would bring me to a 70 % LTV ratio, but the document clearly says that I only need to get to 75 % LTV. I have contacted them via e-mail 5 times, called and a manager who confirmed that the appraisal value should be lower. I asked the manager to send that to me in writing, but he did n't. When I followed up to talk to the manager, the company informed me that they would be sending me the same information that they already sent with the higher appraisal value. The company is providing incorrect written information which could be used to deny PMI cancellation in the future even when criteria have been met to cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I am in the process of repairing my credit and have sent over disputes of items that are reporting negatively on my credit reports. XXXX of the companies I submitted a dispute to was Equifax. I received a letter from them today stating that an investigation was completed and they received a information from a third part vendor called XXXX. Mind I have a security freeze that 's been in place since XXXX/XXXX/XXXX and the investigation was done and completed XXXX/XXXX/XXXX so how it is possible for them to verify information that is not available to them. I also noticed that a bankruptcy from XXXX that was not on my report prior to this dispute has all of a sudden re-appeared on all XXXX credit reports and since this dispute I have been receiving harassing phone calls from creditors whom did not have my information to being with. I verified that XXXX has my account on a security freeze since XXXX/XXXX/XXXX and they did not provide information to Equifax. This is under handed reporting is very unprofessional and has caused myself and my family more financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have  XXXX  personal credit cards wit h Chase Bank. One product is the Chase Freedom card and another product is the Chase Sapphire Reserve. The Chase Freedom account I have had open for more than 5 years, meanwhile the Chase Sapphire Reserve account I had opened almost a year ago. I was able to use my Chase Sapphire Reserve fo r almost all of  XXXX  and all of last year. T  he Freedom card I have used sporadically for the last year.
<P/>
For the Chase Sapphire Reserve, th  e last transaction was on  XXXX / XXXX / 2017 . I made a purchase using the card in the morning. In the afternoon, the card was declined. When I logged on to my Chase account all of my personal credit card accounts were closed.   <P/> A week later, I got a letter in the mail desc ribing how Chase no longer wants my client services. No explanation was given about what had happened. None of the phone representatives are willing to give me any further details.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have requested the validity of a Chapter XXXX Bankruptcy on a couple occasions as the date of discharge is incorrect as well as the filing information. I have requested in both writing and via email for this to either be updated or removed. I have tried to no avail, therefore, I am reaching out to you guys in hope you can assist in getting this resolved once and for all. 

Thanks in advance for your 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 11-07-2017 about Debt collection (Medical debt) with Law Office of John E. Lindner P.A. (DC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX Attorney XXXX XXXX rep XXXX XXXX called my place of employment and spoke to my Supervisor XXXX XXXX XXXX  she was verbally abusive and rude, when I picked up the office phone she had already hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Rewards

Complaint: My wife held and qualified for the XXXX Bonus Miles offered with the Southwest Airlines Rapid Rewards Visa Card offered through Chase Bank. As required she spent the {$2000.00} within the first 90 days. The terms and conditions state that the " bonus miles will post after fulfillment of the requirement. My wife closed the credit card account prior to the miles posting but after " fulfilling '' the terms and conditions. The terms and conditions do not stipulate that the miles are forfeited if the card is closed prior to the posting. Furthermore, my wife was never informed of this over the phone at the time that she closed the account. Chase insist that they would have so informed my wife -- they did not. My wife holds XXXX college degrees including XXXX graduate degrees and is a highly paid professional. What are the chances that she would would have closed the account with a XXXX balance and forfeited the miles had she known? As stated, such information is NOT in their terms and conditions. The so called " Customer Service Specialist '' at Chase stated that the forfeiture information was in the letter that she received AFTER she closed the account. Little late then

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX XXXX debt of {$300.00} ending in account # XXXX was discharged in Chapter XXXX Bankruptcy in 2011. XXXX has sold the debt to several debt collectors since and it is erroneously reporting on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I attended XXXX University XXXX through XXXX XXXX in XXXX XXXX Ca in XX/XX/XXXX-XX/XX/XXXX. I started out going for my XXXX degree and was told that I would be able to do that with no problems. I asked many questions during my interview just to find out that I was lied too throughout the whole conversation. First off I was told that If I did not take the stipend check then the money would be returned and I would not have to pay it back, Wrong. I have to still pay it back. I was told that after I graduated I would receive assistance in finding a job, wrong. In XXXX XXXX my son was hit by a truck, he spent 3 1/2 weeks in XXXX, 6 weeks in XXXX and another 6 months in a XXXX, I was there every minute with him but I STILL DID MY WORK. I never left my classes or anything, but the school said that I dropped out for that semester and charged me over & XXXX that I had to repay. I never dropped out I still did my work and everything. I feel that they took advantage of me. I did let them know what was going on in my life at that time, so if I missed any class then they would know why. After 2 years of schooling I get a phone call that tells me, " You do not have enough points to continue with a XXXX degree, I guess you get XXXX % and I am at XXXX % so I would have to start paying everything out of pocket. '' Well I am a single mom of XXXX so there was no way I could do that. I asked if I could drop it down to an XXXX Degree and finish, they said yes. So I finished that semester and graduated in XXXX XXXX. I had my heart set on a XXXX degree not an XXXX. The big kicker is they did n't change the payment. I am repaying on a XXXX degree loan and only received an XXXX. Now where is that right? I feel that they misled me and took advantage of my situation. Even after I graduated they did n't help me find a job or anything. My question is, WHY? 
Can I get any help with this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Debt collection (Payday loan) with Simon’s Agency, Inc (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: they told me i have two years to pay they never contact me last thing i heard my name is an collection .the collection people called i tried to make an agreement they refuse me.

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