milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2015 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Borrower : XXXX XXXX XXXX XXXX Loan Number : XXXX BB & T Loan Number : XXXX Recorded Date : XXXX Principal Balance : XXXX address : XXXX XXXX XXXX, XXXX XXXX NC XXXX Rate : 7.250 % Current pre UPB XXXX, after Servicer mod UBP proposed to be XXXX Payment : XXXX/XXXX/2015 ; New Term : 480 months, maturity date XXXX request and concerns : Refer to attachments. Borrower was advised by servicer BB & T that HAMP, trial period offer was printed and sent in error. BB & T servicer then advised borrower and XXXX XXXX XXXX verbally on the phone that the original HAMP, TPP was an error. Offer was not mailed to correct the error. The borrower was advised over the phone to take what was verbally offered or the foreclosure would move forward. Be advised that no correction modification was mailed to the borrower per request from the borrower and no signature modification is recorded or on record. Be also advised that the borrower would have never been aware of the error had she never initiated the outbound call to the servicer to confirm the mailing address was correct to assure the servicer received the original HAMP TPP was received before the designated deadline. 

Per XXXX XXXX guidelines the borrower is requesting a fair review and a new trial period with the original offer of payment at {$0.00} identified as a forbearance period of 3 months, refer to the attachment and rate while this violation is under review and all workout options per waterfall as listed in attached XXXX XXXX directive are considered. The borrower also request a reduction to the current interest rate of 7.25 % to a rate of 2 % and term to 480 months. A complaint is currently filed and in review with the following financial agencies : Servicer BB & T ( servicer ) executive compliant department, Federal Housing Finance Agency, Consumer Finance Protection Bureau. We ask that XXXX and CFPB investigate and confer with XXXX XXXX XXXX investor XXXX the operation and servicer 's performance as a delegated entity on the behalf of XXXX XXXX. We suggest all loss mitigation timelines and foreclosure operation task be reviewed by a third party firm for designated servicer participation agreements, compliance and regulatory error. We ask that a random audit of servicer 's internal mailers be reviewed for more than one workout mailed to additional borrowers and not honored. This error flags servicer and investor violations and places borrowers at risk. Keep in mind this is one violation. There are XXXX if not more and by more than XXXX servicer. Feel free to contact, XXXX XXXX XXXX, and XXXX XXXX XXXX at XXXX XXXX ) XXXX, former senior mortgage XXXX consultant to XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Mortgage (Conventional fixed mortgage) with AMERICAN PACIFIC MORTGAGE (CA).
Issue: Settlement process and costs

Complaint: I 'm not able to get a clear explanation on how the Loan Calculations are computed on page XXXX of the Closing Estimate.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problems caused by my funds being low

Complaint: I have a checking account with JP Morgan Chase ending in XXXX. 
I use this account for my Social Security XXXX direct deposit. 
Financially things are not good for me ; I just received a Chapter XXXX Discharge of debt and I live check to check. 
Every now and then I get hit with an overdraft because certain transactions charged to my account as charge not a debit are deducted from my account and then a few days later the charge completely disappears from online statement and is credited to my account as usable funds and then pops up in the ledger again for the final charge against my account. 
My branch tells me the problem is created on the merchant 's side The most recent occurrence I even called the bank to inquire if I had any outstanding charges against my account that were not itemized and any amounts that were not included in my balance. 
I was told by customer service that according to their ledger I had enough money in my account to cash the check to transfer my money to another account for my mortgage payment. 
Chase has always been good to me and reimburses the OD FEES, but they limit their customers to XXXX in a one year period, My complaint is not against the bank nor the merchant, it is the procedure that I feel needs a look at. 
My other bank, a credit union, does not alter the usable number, all transactions are withheld from my account and the ledger shows a greater total but a lesser usable amount especially if the merchant enters the transaction as charge and not a debit ; my total amount and usable amount even up when all transactions have actually been paid ; this is the fair/upfront way of managing the accounts of the customers. 
That is my complaint/inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Credit determination

Complaint: American Express keeps pulling my credit report without permission. I paid off the account balance & closed the account so that they no longer will & make negative claims to XXXX XXXX or XXXX. I have never been late & I want them to be honest to credit bureaus that that there is no critical account status. My XXXX Honors credit card was a grievious experience because of consistent professional bias & racial harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am seeking relief from the XXXX Board of Appeals to remove the 2014 Late Payment status from all ( 3 ) credit bureau reports ( XXXX reports attached ). Please note that my account was in forbearance  status prior to, and after the Late Payment status ; forbearance was also granted and retroactive for the same period, which amended the Late Payment status. <P/>Your representatives ( errors & omissions ) assured me the retroactive forbearance would supersede the Late Payment status and would be removed from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2017 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Fifth Third Bank in XXXX, FL were contacted to re-finance my home in XXXX XXXX 2017. After 5 months of attempting and re-attempting to submit all my financial documents they, without my knowledge, changed my loan from a refinance with cash-out to a refinance. After 5 months they told me to change it back we would have to re-submit all our documents again. The following people were involved in the deceit : XXXX XXXX : XXXX ; XXXX XXXX : XXXX ; XXXX XXXX : XXXX ; XXXX XXXX : XXXX ; XXXX XXXX : XXXX. They all contributed to in way or another extending the process by asking for documents 2-3-4 times. They also after an inspector of the Banks choosing measured our house at less than 400sq ft than the previous 4 measurements done in the past 10 years. They colluded to try to get CD and other types of loans against the house and forced us to open an account in their bank to proceed with the loan origination. My credit has been decreased because over the course of the 5 months the checked my credit score over 8 times. We are current mortgage holders of this bank, so we were perplexed at how the process moved since it was so smooth 8 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 write to this credit repository last XXXX XXXX, XXXX. I have disputed two accounts, XXXX XXXX and XXXX. Both accounts have been reporting incorrect, inaccurate and incomplete information. These account has been reporting incomplete and inaccurate late payments. credit bureaus show either " no data '' or " unknown in most months in my payment history. They are also reporting " 90 days late '' without prior late?!. Account # XXXX has been removed/repaired. But account # XXXX, still reports the error violating FCRA.

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 05/14/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My mother died in XX/XX/XXXX and I inherited the XXXX acres my family owned, and along with it a mortgage of {$310000.00} whitch i suspected was a fradulant loan because the property is not worth any were neer that amount of money. I contacted B OF A and told them i thought this was a fradulant FHA loan. I didnt hear anything from the fraud department at B OF A for two years and then got a forcloser notice from XXXX XXXX a collection agency for B OF A. After contacting them they stated that they were going to sell the property if I did not imeditaly pay the amount of the loan in full. I conacted my congressmens office and they put me in contact with HUD since this was an FHA loan. This is when we found that B OF A was paid in full in XX/XX/XXXX since there was mortage insurance on the loan. So B OF A was paid in XX/XX/XXXX and is still wanting me to pay the loan agin or they will continue to try to sell my property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit card () with SYNCHRONY FINANCIAL (CT).
Issue: Privacy

Complaint: In attempting to set-up Bill Pay through XXXX XXXX XXXX ( my bank ) for my Synchrony credit account, I logged-in to Synchrony 's website to obtain my Synchrony account number. I was unable to find the account number so I initiated a chat with a Synchrony representative. In the chat, the representative disclosed certain nonpublic personal information ( XXXX ) to me but refused to answer any questions about my account, citing " security purposes '' ( i.e., if I asked about my account, the representative refused to provide information but the representative provided the SAME information independently, so long as I did not ask for the information ). When I requested policy documentation outlining what XXXX would be disclosed and how it could be disclosed, I was told that customers could not view that policy. On XXXX/XXXX/15, I received a call from a representative from Synchrony who stated that he would be sending me a copy of the card agreement ; however, the card agreement does not specify when XXXX would be disclosed and how it could be disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been reviewing my credit files and noticed that XXXX Card has a debt that was from XX/XX/2008 but the more I looked, it 's as if the debt was started over. I am not owning up to the debt but seeking assistance. I did file a dispute with the credit bureaus. I have a letter that I need a response on and have provided as much information as I possibly can in regards to this debt on my credit files.

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 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On my all three credit bureaus show inquiries of almost 50.

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 04-01-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Shopping for a loan or lease

Complaint: on XXXX XXXX, 2016 i went to chrysller XXXX XXXX on XXXX XXXX in XXXX to look at XXXX spoke with XXXX we looked a cars he said i can get you in this car i said not this car said lets see if you can get approved he had me sigh paperwork i came back and said your approved i said not for that car he said yes i said thats not what you told me i walked away wentt outside he allong with the finance manager followed me outside said you have to take the car its in your name and the insurance is on it you have to take it i said no he said by law you have to take it i dont have any financial information on the car they didnt give me a copy of anything i signed i was told i shoulld have gotten a copy of truth and leading i got nothing but your loan has been submitted i told them i need to speak with a manager that had me talk with XXXX who told me too bad you brought a car i said i dont want it he said i willl have it towed to your house walked out asked for a manager XXXX said he was the manager of the whole place walk AWAY FROM HIM CALLED XXXX ON MY CELL PHONE MY SALES GUY XXXX ANSwered and i heard XXXX in the back ground say i dont want to talk to her i hung up spoke with someone name XXXX who told me i should talk with XXXX i told him i allready did he said he cant help me he say he shold have been able to help me because thats who i need to talk with. i have contacted chysler capital because they are on my credit repore and XXXX chysler said you sign you have a car i said if you have the loan i want to cancel she said cant help you the lady at XXXX said the loan should have been cancelled and they want no for three weeks if they approved the loan. i was bullied and tricked into signing this paper work i need help what can i do i have no paperwork from the dealer or anything the car was left at the dealership

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Midland Funding aka MCM Midland Credit Management keeps calling me from spoof telephone numbers, from spoof telephone numbers on their mailings, and the Supervisor who acknowledges speaking to me several times changes her name from XXXX XXXX then XXXX XXXX 10 days later. At each phone call I asked them to turn the recorder off, which they said they did. In XX/XX/XXXX they told me I owed {$2100.00}, on XX/XX/XXXX {$1300.00}, and on XX/XX/XXXX said {$1900.00}. This debt was from XXXX XXXX from XX/XX/XXXX. This was from a root canal and capping of a tooth that had  to be done emergently before I had XXXX. My credit score was low because my ex left the marriage while having an affair, took his new car out of state, and stopled making the payments. I was making regular monthly payments on the XXXX account of {$100.00} {$200.00}, until I became ill and had to have a 15 hour XXXX XXXX, another 15 hour XXXX XXXX, and is 6 hour XXXX XXXX. By the time I had myself together and was home, XXXX brought all the interest 22.29 % forward. I explained my circumstances to XXXX and to Midland, but they just would n't do anything. I offered to pay {$30.00} a month to XXXX and to Midland and they refused. I told them I am I am on Social Security XXXX, and XXXX XXXX aka XXXX XXXX started getting loud with me telling me she 's going to ruin my credit. I offered to pay {$35.00} a month, which is all I can afford. She did not want that amount. She said that she will continue to to ruin my credit. I said to her, " do not call me anymore unless you want to accept my offer of $ XXXX month, on XX/XX/XXXX. She continues to call me. All of the callers sound like they are from XXXX and are difficult to understand. She asked me for a check for {$900.00} to pay it off in one time. I told her if I had it, that I would not have this problem. They are just unreasonable and want to harass people and will not work with you. They would rather ruin your credit and harass you than take a monthly payment. They call from spoof numbers to get you to answer. They send different telephone numbers and conflicting information in the mail. It is to plain harassment. I have copies of their mailings and documentation of their phone calls. I'am happy to submit them to you, if you tell me where.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/26/2017 about Debt collection (Medical debt) with AFNI INC. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: AFNI keeps calling me at work several times a day. I 've told them not to call me at work. Whatever debt is allegedly owed, they have my home address and please mail me whatever paperwork they have. I still keep getting calls from their automated system.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Debt collection (Other debt) with Credence Resource Management, LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am disputing Credence Resource Management .This agency has re-aged this account according to the original creditors date of first delinquency. I am not certain of the exact date of the first delinquency but this account has been illegally re aged by XXXX different companies that I have found so far. On XXXX XXXX XXXX XXXX XXXX reported this same account as being opened with a balance of {$710.00}. XXXX XXXX XXXX XXXX reported this account as opened on XXXX XXXX with a balance of {$710.00}. XXXX XXXX XXXX XXXX XXXX reported this account as opened XXXX XXXX with a balance of {$710.00} but a high balance of {$570.00}. This account was removed from my report XXXX XXXX and then added back XXXX XXXX. And Now Credence Resource Management is reporting it as opened XXXX XXXX with a balance of {$710.00}. I have never spoken with any of these companies and I am just realizing that this has been happening and that I can dispute all of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Bank account or service ((CD) Certificate of deposit) with SYNCHRONY FINANCIAL (FL).
Issue: Account opening, closing, or management

Complaint: In preparation to moving to XXXX, I wanted to move IRA funds from my mutual fund company to an IRA CD at Synchrony Bank. It was only during my third phone inquiy, I was informed that Synchrony would freeze my account and even close the account if I switched my address to XXXX. No where on the company 's website was this disclosed nor was it revealed in my first few calls to the company where I was assured switching residency to XXXX would not be a problem. I learned only that it was not possible to maintain an account from outside the US when I asked how to go about naming my spouse, a XXXX XXXX, as my beneficiary. 

I felt the specialists were confused about the issue in general and, since I have opened up other IRAs at other banks with receiving the OK of having a XXXX mailing address, I felt Synchrony Bank own lack of disclosure of its policy not to maintain account relationships with non-residents potentially damaging to an IRA whose closing could create unpleasant tax consequences. Moreover, the US Patriot Act was disingenuously cited as the reason Synchrony could not continue an account relationship, when it seems it was Synchrony Bank 's own policy to terminate an account relationship in order to avoid the cost and effort to comply with law, rather than the law itself. I do n't mind if Synchrony Bank does not want to maintain an account with a non-resident of the US but the bank should disclose that accounts are in jeopardy if an account holder moves out of the country or at least train all its call center personnel to disclose that. 

I am a US citizen with a US social security number and wanted to move about {$88000.00} to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit card () with Alliance Data Card Services (AZ).
Issue: Billing disputes

Complaint: 1. In XX/XX/2015 I ordered a pair of hunting boots from XXXX, paying with a credit card. 
2.Subsequently I recieved a phone call from some one purporting to ba a representative of Comenity - The XXXX, informing me that I owed an over due payment for a pair of boots. 
3. I had no knowledge of this account # XXXX. I had neither requested nor approved the opening of this account. I have never reieved a credt card or notification of the existance of the account. 
4. I paid for the boots, using another credit card and requested that the accont be closed. 
5. Susequently, Despit many phone callsI have continued to recieved monthly statements citing overdue charges. The current balance approaches {$200.00}, all a concatination of overdue charges, the merchandise has been paid for. 
5.I have requested that all charges be recinded and that the account be closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Earlier this year Equifax was affected by a hack which affected the personal information of 143 million people. Equifax says my data was likely part of the information that was stolen. This exposes me to the likelihood of identity theft in the future through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX we closed on a mortgage with XXXX XXXX, XXXX of the lenders suggested by XXXX. The negotiations specifically excluded provision for insurance on the contents, as we did not need or want such insurance. We have been paying our monthly payment of {$540.00} since XX/XX/XXXX. Wells Fargo sent us a letter dated XX/XX/XXXX advising us that they have purchased our mortgage and will commence serving it on XX/XX/XXXX. The letter stated : " Rest assured, this transfer does not affect any terms or conditions of your mortgage. '' A letter dated XX/XX/XXXX from Wells Fargo stated that our hazard insurance had expired on XX/XX/XXXX and " We plan to buy insurance for your property '' There was no such policy, and I have been calling them numerous times to find out how they could legally change any of the terms of our mortgage. My calls have not provided any satisfactory response. We have now received an invoice to a payment of {$560.00} into our escrow account and that our monthly payment will increase from the {$540.00} we have paid for nine months to {$600.00} starting on XX/XX/XXXX. We are XXXX & XXXX years old and XXXX XXXX is our only income.

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