milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/31/2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit decision / Underwriting

Complaint: Bank of America took over the servicing of my home equity line of credit from LaSalle Bank. When the line of credit was just prior tomaturity they offered me a pre-approval on the refinancing of the home equity line of credit. I stated that I was going to be selling the home and I was assured that I was only going to be responsible for a {$600.00} pre-payment penalty if it was paid off within the first year. I agreed to the terms on their recorded phone conversation and proceeded to submit all the necessary supporting documentation. At that time my credit scores were well in excess of XXXX on all XXXX major credit reporting agencies. I was assured as a XXXX customer of over 30 years that I was fine. They sent a letter out 45 days later with a statement saying that they declined the refinancing due to the home being recently being listed on the XXXX. I began receiving collection calls from them immediately after this even though I was making timely payments the entire 10 years I had this account until payoff. The B of A collection representative 's response was to put me in contact with someone about loan modification. I was not interested in loan modification. I had kept every creditor paid timely during the Great Recession and was surely not interested in what many people were doing at the cost of others. I immediately dropped the price of my home {$100000.00} and sold it days later. Bank of America was notified from escrow that they were being paid in full and they were. They reported me as a delinquent payee on the account to all XXXX credit agencies with total disregard. Had I not been deceived into thinking that I was approved for the refinancing, I would have had the time to make other payoff arrangements prior to the credit line 's maturity date. I had the capability to do just that but the time consumed by their mortgage department to notify me of their decision negated this possibility. They have not cooperated in anyway to correct the situation that was caused by their attempt to sell me a new loan. Currently, their negative reporting of my account places me into a higher cost of obtaining credit. Is this their tactic? I hope the CFPB looks into this practice. Bank of America never lost a dime on my account. They never had late payments. They yielded in excess of {$100000.00} in interest while I lost another {$100000.00} to protect my credit. The very credit they profit from by getting my credit score lower.

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 04/18/2017 about Credit card () with SYNCHRONY FINANCIAL (MT).
Issue: Delinquent account

Complaint: This is in reference to complaint  XXXX . This dispute with  Synchrony Bank/JCP go es back to   XXXX   XXXX   XXXX  . The details are in the previous complaint submitted with CFPB. In   XXXX   XXXX  , I received a status update and the resolution stated that a balance was owing of {$17.00} to  JCP. P lease refer to the previous answer from  XXXX . I responded back through the dispute process that I did not owe {$17.00}. I never received a response back from my previous dispute of the {$17.00} balance owing. Now,   XXXX   XXXX   XXXX  , in checking my credit report,  JCP/Syncrony Ban k is reporting me 90 days past due with a delinquency starting in  XXXX . Again, please refer to the complaint number I have referenced. I contacte d JCP today and was told that I had a {$40.00} past due balance as the late fee that I owed (? ) was never paid there fore interest was accruing on my unpaid late fee. I have never had an unpaid balance, therefore could not have a late fee owing. I believ e JCP h as somehow messed up their data with the original problem of a CREDIT BALANCE showing as a past due balance. They corrected the credit balance by sending me a check but somehow their date still must show that I did n't PAY that amount and therefore a late fee was generated. It is such a mess and my score has gone from  XXXX  to  XXXX  today. I do have the supporting credit report information if that would be helpful. The other issue is that the gentleman I spoke with a t JCP sta ted that the late fee is on an O LD JCP acc ount - how does a late fee just show up on an old account?? Please help me - I frustrated beyond words.

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 10/17/2016 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 a few issues with the investigation that Experian did. I sent them a letter stating some errors I saw on my credit report and their response was completely unacceptable. All the responses say are " Remains '' which Experian pointed out means that no changes were made. " Processed '' which means that they are n't even done with the investigation! and " Updated '' and according to the letter I wrote them, there is no new or relevant information on the accounts making their statement a blatant lie! Not only did I point out the errors but I made it clear that I was not disputing that the accounts were mine, only the missing information, and issues with the payment history. I do n't think that Experian read my complaint at all! I ca n't believe that they would send me such a horrible response, I am genuinely concerned about my credit report and what is being reported on it and it is Experian responsibility to make sure it is correct. I am demanding these be fixed and my complaint to be read by a real life, breathing, thinking human being so that my voice is heard.

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 12-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have being trying for years to fix the situation on my home. For years, I 've being in and out of court without any positive results. The lender has not been willing to work something out. I believe that a fraudulent foreclosure is being processed because I do not even know the owner of the loan I defaulted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Prepaid card (Gift or merchant card) with JPMORGAN CHASE & CO. (NY).
Issue: Adding money

Complaint: i discovered a card that had expired and was not told when purchased that card had expiration date. company ( chase bank ) refuses to honor card which obviously gave bank a {$100.00} profit

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: IN REGARDS TO: XXXX XXXX XXXX 1XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 
I DISPUSTED THIS INACCURATE MORTGAGE ACCOUNT THATS REPORTING 30 DAYS AGO. I DISPUTED THIS ACCOUNT WITH THE CREDIT BUREAUS AND IT CAME BACK VERIFIED. NOW THIS REALLY HURT ME, ESPECIALLY AFTER I HAVE BEEN TO CIVIL COURT AND WON MY VERDICT AGAINST ALREADY FOR INACCURATELY REPORTING MY ACCOUNT WRONG. I'VE ASKED THEM TO SEND ME DOCUMENTS SHOWING THAT WHAT THEY ARE REPORTING TO THE BUREAUS IS ACCURATE. WHICH THEY INSTRUCTED TO TAKE THE MATTER UP WITH THE BUREAU IT'S NOT THEM. SO HERE I AM AGAIN GOING THROUGH THIS WHOLE DISPUTE PROCESS OF FINDING OUT WHO'S LIABLE FOR REPORTING INACCURATE INFORMATION. IF XXXX XXXX XXXX CAN NOT PROVIDE ME THIS INFORMATION OF WHY I HAVE A 30 DAY LATE PAY IN XX/XX/XXXX WHEN I HAVE NEVER BEEN LATE, AND  WHY THEY ARE REPORTING INACCURATELY THAT THE LOAN IS BEING MODIFIED. THEN TO TOP THAT OFF  IN MY COMMENT SECTION INACCURATE REPORTING OF A BALLON PAYMENT OF $XXXX DUE BY XX/XX/XXXX WHICH IS COMPLETELY FRIVOULOUS. IF THEY CAN NOT PROVIDE ME THIS INFORMATION, THEN THEY MUST REMOVE IT AT ONCE. I'M NOT ASKING FOR A BILLING STATEMENT EITHER, BUT PROOF. UNDER THE FEDERAL SERVICE ACT-REAL ESTATE SETTLEMENT PROCEDURES ACT 12 U.S.C 2605(e), I'VE REQUESTED A QUAILIFIED WRITTEN REQUEST AND RECEIVED NO ANSWER.
DUE TO THIS I FEEL THAT XXXX IS REPORTING THIS ACCOUNT TO THE CREDIT BUREAUS IS INACCURATE, SO PLEASE PROVIDE ME WITH THE FOLLOWING INFORMATION:
1) ALL TRANSACTIONS PERTAINING TO THIS ACCOUNT.
2) HISTORY OF ALL TRANSACTIONS  PERTAINIING TO THE ESCROW OF THIS ACCOUNT.
3)ALL PROPERTY INSPECTIONS FEES.
4) ALL FEES PERTAINING TO THE ACQUISITION OF THIS LOAN.
5) DETAIL BREAK DOWN OF ALL PAYMENTS, INTEREST AND LATE FEES IF ANY ASSOCIATED WITH THIS ACCOUNT.
6) THE PAY OFF AMOUNT.
IF THIS REPORTING INACCURATELY CONTINUES, I WILL HAVE NO OTHER CHOICE BUT TO CONSULT WITH A CONSUMER RIGHTS ATTORNEY REGARDING MY RIGHTS IN THIS MATTER, AND BASED ON MY RESEARCH OF THE FACTA ACT, AS A CONSUMER I HAVE THE LEGAL RIGHT TO DISPUTE ANY INACCURATE ACCOUNT DIRECTLY WITH THE LENDER/CREDITOR. I KNOW YOUR COMPANY WILL DO THE RIGHT THING, I HAVE ALL DOCUMENTATION AND I'M CAREFULLY TRACKING ALL CORRESPONDENCES. I WILL HOLD YOUR COMPANY RESPONSIBLE IF YOU FAIL TO PROVIDE ME WITH THE 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 03/13/2017 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (FL).
Issue: Managing the loan or lease

Complaint: I financed a vehicle through American Credit Acceptance and XXXX 18 months ago. The vehicle turned out to be a lemon. Two weeks after purchasing it, I had to take the vehicle back to the dealership for major repairs. Those repairs were again repeated two weeks after that. Over the course of one year, countless repairs were completed on the vehicle. In most of these situations, the vehicle had to be towed raking up additional cost. One year after the vehicle was purchased, the vehicle was deemed inoperable. It requires an engine to operate, approximately {$2600.00}. XXXX refuses to deal with the situation and American Credit Acceptance has been impossible to work with. The value of my vehicle is {$200.00} according to XXXX and ACA is requesting a minimum of {$3500.00} in 15 days. The co-borrower on this account is XXXX and such a lump sum is a ridiculous ask when you are caring for primary medical needs. 

ACA is the absolute WORST finance company to finance a loan through. They have predatory lending behaviors and have already been sued by the state of Mass. for these very things. 

Every time we called, we received a different story-line, countless careless employees, and was even refused service by a member of " upper management ''. 

Below are a list of employees I worked with : XXXX ; provided false information XXXX ; repeatedly stated that there was no flexibility XXXX ; refused to service us XXXX ; threatening to hang up the call

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Mortgage (FHA mortgage) with NVR INC. (MD).
Issue: Credit decision / Underwriting

Complaint: I signed a contract with XXXX XXXX to purchase a new home in On XXXX XXXX, 2015, with the understanding that I would receive $ XXXX in closing if I " only '' use their mortgage company NVR Mortgage Financing. I was fully approved for the loan and my closing date has been set for XXXX XXXX, 2015. However, over the last few weeks, there is a back-and-forth conversation with NVR Mortgage Finance in regard to deferring my student loan. I told them in the beginning of this process and repeatedly thereafter that XXXX, my student loan servicer, will only defer my loan twelve ( 12 ) months at a time, but they want to extend it to 13 months. I was told by another lender that the reason for this is deceptive practices and that NVR Mortgage Financing plans to sell the mortgage loan as soon as possible. Three years ago, I experienced the same issue with NVR Mortgage Financing, whereas, after I applied for a twelve ( 12 ) month deferment, they wanted to me to push for 1 more month. Because I was unable to do so, they did not honor their agreement and I was not able to purchase the home. This time I want a resolution to this deceptive practice. You are held hostage by NVR Mortgage Financing with no other options until they decide that you are not worthy of their funds. They have accessed my credit report numerous times ( only XXXX of which I approved ) through XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, since I applied for the mortgage only to lower my score so that I would not be able to apply with another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt collector attempted to collect on a debt that was paid and insisted that their system was up to date and the I still owed on it.. I have a letter from the company stating it has been paid. They refuse to verify with the original owner of the debt and want me to pay the remain balances.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (FL).
Issue: Managing the loan or lease

Complaint: Recently my insurance company sent Wells Fargo a check towards the Pay Off of my vehicle. I called Wells Fargo and XXXX ( XXXX ) explained that because the Check was from an Insurance Company it does not " count '' as a Payment and my account is 40 days behind. Despite a Large payment from my Insurance Company and payments of XXXX from me. Additionally the Maturity Date of the Loan is XXXX 2017 and Wells Fargo is demanding the Total Balance of my account a Year Early. 

I asked XXXX ( operator XXXX ) to mail me a copy of this policy and she said that she could not because it was a confidential arrangement between My Insurance Company and Wells Fargo.

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 12/30/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: APR or interest rate

Complaint: Bank Of America is trying to charge interest on PURCHARES made while there is a balance from a 0 % promo on my account. EVEN if those purchases are paid in FULL at the end of the statement period. I paid a Transfer fee of 3 % when I got the Promo offer. 
Is this practice even legal? 

They charged me {$2.00} for having the {$530.00} on the account from XXXX XXXX to XXXX XXXX, 2016.. Since it was not a full Month, the 11.9 % interest was calculated on {$260.00} of the {$530.00} for a total of {$2.00}.

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 08-02-2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: After my grandfather died ( co signer ) I had to put the loan into my name, in order to do so I needed to put my loan on forbearance, to make sure I could make enough money to pay my loan, since my forbearance has ended- my pay check has not changed, I make just as much as I did one year ago. I am able to pay the amount just not at the time suggested by wells Fargo, ( first of the month ). wells Fargo can not change the date because my account is not in good standing, i asked if i could have my payments lowered by at least 20 dollars BUT i make too much money, even after we had discussed my hardship earlier in the year and nothing has changed. the issue is even if i pay my loan and split it up as intended i still get a late fee on top of the interest! AND my credit was growing and now my credit is sky rocking downhill, because i can not make my payments on time when they will do nothing to help me. i am just getting my feet grounded in a great job ( after 2 years out of school ) and it feels that i am falling backwards, almost to the point to go back to school because they will defer my loan if i do so. i just need them to be more lenient on the date i can pay my loan i just need the date changed!!

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 01/21/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (SC).
Issue: Managing the loan or lease

Complaint: For the past 3 years, XXXX XXXX has been sending paper checks to BB & T for my auto loan. This past XXXX, XXXX XXXX sent them a check for {$470.00} on XXXX/XXXX/XXXX with an XXXX of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I receive a notice that I 'm overdue on my XXXX payment and I also owe a late fee of {$16.00}. So, I pay the amount for XXXX XXXX and XXXX XXXX for a total of {$820.00}. However, I find out with the help of XXXX XXXX that BB & T had contacted them yesterday to let them know that they had received the check for {$470.00} from XXXX. The XXXX XXXX rep even verified that it was the correct check number. So in essence, the money had gotten to XXXX & XXXX When the XXXX XXXX rep asked if I would be getting a refund for the late fee of {$16.00}, since the lateness was not really caused on mine or XXXX XXXX 's part, the BB & T representative said no. Based on the information that I was given, the fault was clearly with BB & T, who refuse to give me my refund. The .same refund that have the shoe had been on the other foot, they would 've charged me interest for years to come had I not paid that off. Their claim is that the address the check was sent to was an invalid address. I find it hard to believe that after sending payments to that address since XXXX/XXXX/XXXX, that suddenly it becomes an invalid address without anyone informing of that fact until now. The BB & T service rep even told the XXXX XXXX rep and myself that the checks that come in through the branch are forwarded to whatever loan finance department they have, which I 've learned only a week ago is located in XXXX, NC.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (Private student loan debt) with SECURITY CREDIT SYSTEMS INC (NY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XXXX XXXX at XXXX XXXX calls my WORK phone 1x a day, my moms cell phone and my employer. When he contacted both my mother and my employer ( old manager ) he did not state who he was, why he was calling but was probing for information if I was at my desk/vacation/available to speak. Would not disclose information on why he was calling right away and my mom and employer want him to stop contacting them. 
In addition, he was phishing for more people I work with and their phone numbers to be able to contact myself. If he doesn't stop I will file a law suit as he is putting my career in jeopardy. 

I'm sure he has contacted others at my job too, which is ruining my character within my position.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Debt collection (Auto) with ALLY FINANCIAL INC. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 've been getting called multiple times a day after I paid XXXX $ XX/XX/2016 saying that was the past due amount to clear my account. apparently I still owe XXXX $ an have basically being harassed about this after I was told the XXXX would bring me up to the date of my next payment which is XXXX XXXX 2016. I 've also told these people of my situation multiple times. I 'm on XXXX leave an have been having problems with the State since my paper work keeps having problems or getting lost. I also have a good payment history and this has never happened with me before and they have n't helped me in anyway to come to a solution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (I do not know) with ALLY FINANCIAL INC. (SC).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Ally financial has been calling me in an attempt to collect my aunts debt. The first time I told them that was illegal and they continued to call me. When I called them to put an end to the harassing calls they said well maybe you can just talk to your aunt to get her to pay her bill. This is the exact thing I was calling them to tell them I wouldnt do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Student loan (Non-federal student loan) with NELNET, INC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I received a letter from XXXX the holder of my student loan, that they transferred my loan to a company called Firstmark Services. I was given contact information and a address for where to send my payments. I registered on their online student loan account, but saw no activity or an account set up for my XXXX student loan. I called Firstmark Services to inquire about my student loan account after I sent a payment to them on XX/XX/XXXX and saw no activity on line. I was told by a loan specialist, XXXX that XXXX never transferred my loan to Firstmark Services. 

I told XXXX that Firstmark Services cashed my check on XX/XX/XXXX. I asked him if the money was never applied to my loan account then where was it applied, he said he did n't know. During the conversation he agreed that I needed a refund for the payment, because it was never applied to my student loan account, because I did n't have one at Firstmark Services. Since XX/XX/XXXX I have tried to work with XXXX to obtain a refund for the payment that was never applied to my account, because I do n't have an account with Firstmark Services. 

XXXX does n't return my calls. He claimed that he put in a requests for a refund on XX/XX/XXXX, but as of today I have received no check from Firstmark Services. I tried to call XXXX but was unable to get pass the automated system to speak to a live person. I have been making the payments to my loan with the previous company, XXXX who XXXX transferred the loan to first before tranfering it again to Firstmark Services. 

i need to get a refund from Firstmark Services for the money I sent to them that is not being applied to my student loan account.

Company response to consumer: Closed with explanation