milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Application, originator, mortgage broker

Complaint: Applied for refinance with Bank of America after being a loyal customer of over 10years. I have never missed or been late on any payments with them and the debt to equity ratio is less than XXXX. They made a mistake on other properties I own and are asking me to send information that has been already submitted prior to their mistake. They actually closed the loan refinance due to their mistake. I have answered all of there questions and sent all of the information to them, at least once. I am fed up with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (PA).
Issue: Struggling to pay mortgage

Complaint: I started a dialogue with the bank in XXXX. In XXXX, I went in the bank to provide the power of attorney papers on behalf of my dad. He XXXX his wife ( my mother ) in XXXX of this year and has been in financial hardship since the day she XXXX. I was able to gather what little money she had left to make payments on the mortgage and the prime equity loan but the money was depleted by the end of XXXX. I have spoken with numerous representatives and provided this information. With the state of affairs, I knew the debt was insolvent. I did inquire about a short sale or possibly deed in lieu. 
All of this has been explained to the bank. I keep in touch with the bank via phone calls and correspondence a few times a month since XXXX. 

While I understand this is a business and the money is owed, he can not pay it. Just as there are circumstances surrounding the approval and denial of loans, they are circumstances surrounding any defaults. I can not afford to pay out money on behalf of someone else 's debt. I have put forth a lot of time and effort in an attempt to find a resolve. Going through credit counseling, cleaning out the property, listing the property, showing the property, and not to mention coming out of my own pocket for some of my dad 's expenses. I have been keeping the communications open with the bank. Realizing this is beyond my control, I know the best option is to sale the property or give it back to the bank. 

However, I keep getting passed around from one representative to the next. And the last rep is now stating I have no authorization to speak on the accounts and wants me to write the authorization for myself on behalf of my father. It does not even sound right. Previously, I did speak to them about a short sale and even requested the original documents from the loan. I never received any documents regarding the loan so I did not know how to price the house. I did receive the correspondence about the purchase agreement but it gives no other direction. I have been showing the house and have a lot of interested buyers. While I understand this is not a favorable situation for the bank, this is a way for the loan to be paid. I do not understand this resistance. This action can avoid the expense of foreclosure from them and relieve me of my parents financial burden because they ca n't speak to my dad, he is XXXX. 

I need concrete answers, I need guidance and direction on what the bank will or will not accept. Everything is so vague. Is it in foreclosure? because I did not get any correspondence stating that it was. And if not, why did they have a vendor go out and try to secure the property by threatening to change the locks? This is a horrible experience. I have attached just a few of the correspondence but there is many more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am behind on my mortgage payments and am going through the short sale process. I have submitted all my paperwork to Wells Fargo and they are currently reviewing everything. I also have an offer on my home which I have submitted as well. I now have a foreclosure sale scheduled on XXXX/XXXX/16 and they are telling me they do n't know if it will be postponed. I am reaching out for any assistance you can provide in getting the sale date postponed. Thank you in advance for any help you can provide.

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 09/28/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have yet to receive validation on this account. Enough time has gone by. I have requested this several times. I feel the information is not accurate, I do not owe the amount stated and this account is outdated. The last time I requested a very nasty collector called me. It was not a good call. I have rights to.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (ME).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Currently reported to collections an account older than 8 years old. Card amount is settled on my XXXX XXXX report original creditor XXXX XXXX. {$700.00}. XXXX XXXX XXXX was paid {$700.00}. In 2015. Basically, I have had this account already removed and settled on both my XXXX XXXX and XXXX  reporting agencies. Simply due to the age of the account it should my show up as new without my receiving the paperwork needed to settle this account. I requested the paperwork be sent to my home on the date it appeared on my account. So far nothing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2018 about Debt collection (Other debt) with CFS Holdings, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: OnXX/XX/XXXX, 2018 I was notified that a debt from Confident Financial Solutions was transferred to a 3rd party source, XXXX on my behalf. I contacted XXXX onXX/XX/XXXX/18 and spoke with an agent, XXXX ( XXXX ID XXXX ) in which she confirmed all information and debt was being handled by XXXX. I was a settlement in the amount of XXXX and agreed to pay amount stated by next business day. Agent confirmed settlement amount would be sent to my email for payment and confirmation of payment would be sent via email from XXXX to myself immediately. I was informed that XXXX XXXX would be updated with payment immediately as well and debt would be sent to original creditor within 72 hours. I received email confirmation as such as well. I did explain to them that I was in the process of purchasing home and would to need have letter or email stating balance was settled and at {$0.00} balance. XXXX informed me that XXXX does not report to any credit bureaus ; only reports to original creditor of any updates. I paid XXXX online with XXXX website on behalf of Confident Financial Solutions. When I spoke with Confident Financial Solutions on Tuesday XXXX I was informed then only that I would have to wait 60 days to have a letter that shows balance was paid and settled as {$0.00}. This was not communicated to me from XXXX nor Confident Financial Solutions in which is delaying my mortgage loan. My family was displaced due to Hurricane Harvey in XXXX 2017 and am currently being stressed to the capacity due to this is the only delay we have because of Confident Financial Solutions and XXXX. This is bad business practice and immorally just wrong. I spoke with XXXX, XXXX at Confident Financial Solutions and was sent a letter only stating account was not cleared. Per the mortgage loan processor, I explained to XXXX the letter would have to state balance was cleared at 0 prior to receiving inaccurate information from XXXX. I have requested to speak with the CFO/COO at Confident Financial Solutions and to no avail. Please help. The XXXX has also been deducted and cleared on my bank 's end as well for payment. This is outrageous and I will not stop until there is a sensible resolution and a letter is submitted to myself and husband that debt is resolved, settled, and no monies are owed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Debt collection (Medical) with R.M. Galicia, Inc. (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I go to XXXX XXXX hospital and then the send a medical bill is {$3200.00} and then I said I have no capacity to pay the bill. I want to make payment arrangement. But the do n't say nothing. The send my bill to debt collection agency. And right now the collection agency charge of interest with my medical bill. So right now what I do.and I already contact to agency to make a payment arrangement like {$40.00} as month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Using a debit or ATM card

Complaint: Wells Fargo allow multiple fraudulent chargton my account and refuse to handle the matter approiate legal manner wells Fargo allow my identity to be breach by these fraudulent charges with are still remaing on my account as today. Wells fargo is inteniinally trying to cause me some type of harm by leaving these fraudulent charges on my account if it not wells Fargo it 's self committing these fraudulent charges on my account!!

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 05/29/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: In   XXXX   XXXX  ,  I was purposely provided with misinformation when opening a checking account with Bank of America using a  XXXX    XXXX   XXXX   issued check.  When the Bank's employee responsible for opening the account asked what brought me into the branch that day, I said my desire was to deposit a check to purchase a vehicle using an earnest cash deposit in a timed sensitive  XXXX  owner vehicle auction (paying the remainder when the entire check clears & pay a credit card bill.   from   XXXX   XXXX   in order to open a new account. Bank of America.  I reported a loss of a steal of a deal (practically) give away vehicle.  I requested Bank of America's Insurance provider with a claim number for the reported loss.    XXXX   XXXX   has not been cooperative.  I request expediting of the matter being that I'm a Veteran   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   . Happy Memorial Day weekend!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company has been insisting that I 've been past due on my mortgage payments since they took my loan over from previous loan holder ( XXXX XXXX ). I have sent them proof of payments XXXX now and they still will not resolve the issue in their system. The problem is a miscommunication between them and the old mortgage company they took the loan from. My credit report is showing 90 days past due within the last 12 months, which is preventing me from refinancing my home ( which is what i 'm currently trying to do ) and also I can not receive my overpaid escrow money from 2014, and also it is loweriing my credit score every month. This is very frustrating and every time I call Nationstar mortgage ( once a week ) i get no help, no update, and feel like I 'm starting over every time I call. I have a " dedicated loan specialist '' whom is never available and does n't ever return my voicemails. You guys are my last hope to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: XXXX XXXX XXXX is stalking me and has began a harassment campaign. This company is misrepresenting the purpose of the call and disclosing personal information to people I barely know. The have failed to send any correspondence in the mail with a detailed discription of debt in question. This is a total violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Mortgage (Conventional home mortgage) with Statebridge Company (NJ).
Issue: Trouble during payment process

Complaint: I paid the wrong amount one month. I shorted the payment by {$30.00}, because I have an adjustable rate and it 's the first time it had gone up. I sent in the {$30.00} with my next payment. Now they are charging me late fees every month, even though I am paying on time. They insist that they ca n't waive the " late fee '' even though I was n't late, and have NEVER been late since XXXX sold them my mortgage! I was with XXXX for 20 years and never had an issue!

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NJ).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I applied for the WF Cash Wise Credit Card and got approved on the same day. After 5 business days, I received the credit card and tried to activate it online but it will not let me so I called the number on the front of the card. I was told that that I had ti visit a branch in order to activate it. This was a surprise to me as I had never have to go to a bank branch to activate any credit card for the past 30+ years. I XXXX the WF credit card online and was surprised how many complaints this company had over this card. Anyway, I called up the next day, lunchtime, and spoke with XXXX, and asked her to close my account as I am not longer interested in using it. To my amazement, she told me that I am not able to close the card as I had to go to the branch to close it. I am fuming mad by this deceptiveness and want to file a complaint to this bank so that everyone can see what a big scam this is.

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 04/29/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: In my law practice, I serve as a trustee for a client ( who also happens to be my brother-in-law ). The sole purpose of the trust account, and the trust account above, is to provide funding for a life insurance policy. The life insurance policy is mandated by my client's/brother-in-law 's divorce decree in the State of New York. 

Relatively recently, my brother-in-law 's obligation to maintain the life insurance policy expired. At the time, there remained slightly less than {$200.00} in the trust bank account at Citibank. As mentioned above, this bank account was exclusively for the purpose of funding the aforementioned life insurance policy. 

Because it was no longer necessary to fund the life insurance policy, and my brother-in-law decided to allow the policy to lapse, I sought to close the account and return the remaining funds within the account to my brother-in-law. To that end, I called Citibank. I spoke with a woman who assured me that she would close the account and send a check made payable to the trust, so that I might return that money to my client/brother-in-law. 

Approximately one month later, I received a statement from Citibank indicating that the account was still open, and that approximately {$12.00} had been deducted as fees on the account. Needless to say, I was surprised. After all, I had closed the account and was expecting to receive a check, not a statement deducting more fees. 

Consequently, I wrote to Citibank. A copy of my letter is enclosed for your convenience. In response to my letter, on XXXX XXXX, 2016 my office received a call from XXXX XXXX ( XXXX ) a branch manager of a Citibank branch in XXXX, New Jersey. ( Incidentally, the branch at which I opened the aforementioned trust account was located in XXXX, New Jersey ( where my law office is also located ) ). XXXX XXXX advised that because the nature of the bank account at Citibank was an irrevocable trust, the bank was obligated to disburse the funds with a bank check. XXXX XXXX left word that the bank was not permitted to send that check to me, and that I would need to travel to a branch, produce identification, and collect the bank check in person. He advised that there were branches in XXXX, XXXX, and XXXX at which I could appear for this purpose. 

XXXX, XXXX, and XXXX are all at least 30 minutes away from my office. I can not understand why I would have to appear at a bank to close out an account and collect a check for the balance of the funds left in the account. I suspect this is nonsense, and that the bank has merely erected hurdles knowing that it does not make economic sense for a lawyer ( or anyone else ) to travel 30 minutes away, and spend who-knows-how-long, at a bank branch to collect a check for {$110.00}. 

It is my sincere hope that your office will investigate this matter.

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 02-06-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Midland Credit management and midland funding falsified documents to the judge on my daughter who have a XXXX and stuck her with an enormous debt. and levied her bank account and removed her XXXX funds. Now she has no meds and I am struggleing to pay for her medical bills and medication until we can get a date were the judge can see her exemptions. I tried to negotiate with them but they just gave me the run around. Prentending they did not understand what I was calling for or the attorney I was calling for. They pretened they did not know. XXXX XXXX XXXX Division Manager of Consumer Support Services would pretend he was not the manger several times. They would even send me mail in envelopes with no markings to deceive me from court appointed hearings. Never wiiling to verify the amount truly owed. Until they place a judgement on her. All still refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with N.A.R., Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX Called N.A.R. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX asking them to validate the ( 2 ) collections they have added to my credit report. Instead of validating the debt, on XXXX, they sent me a NEW collection letter to the updated address that I provided to them. 
XXXX Called again asking for the validation ( signed contract ) showing my signature. Spoke with a Supervisor named XXXX and she indicated that she was still waiting for the documents from XXXX 
XXXX Called again and spoke with the Supervisor XXXX asking for the paperwork again. She indicated that they received it but because they were closing in 5 minutes that she would email it to me first thing the following morning. 
XXXX Called again asking to speak to the Supervisor XXXX but was told this time that she was not available. 

I have disputed this two charges thru the Credit Bureaus, ( XXXX ; XXXX ; XXXX XXXX but they just sent the information to the collection agency and the collection agency will not provide the proof nor will they take these off of my Credit report Idaho XXXX Date opened : XXXX Amount : {$2400.00} XXXX Date opened : XXXX Amount : {$4200.00} I have never lived in XXXX. My wallet had been stolen with my drivers license ; social etc inside. I have filed a police report already but they too need to see the signed contract against my drivers license / passport showing that it was not me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CCS Financial Services, Inc. (FL).
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: CREDIT COLLECTION SERVIC~ {$130.00} ~Opened XX/XX/XXXX ( XXXX ) CREDIT CONTROL SERVICE ~XXXX~ opened XX/XX/XXXX ( XXXX ) I have submitted Disputes through the credit reporting agencies and have asked how the debts were verified and they can not give me an I have verified that both collection agencies are not licensed to collect in Florida

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Student loan (Non-federal student loan) with AES/PHEAA (IN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have tried multiple times to explain to AES that I am unable to pay the monthly payments for my XXXX XXXX loans and my XXXX loan. They are not being flexible with me in order to pay these down and are not giving me options except, " looks like your only option is to default ''. This is so unacceptable!

Company response to consumer: Closed with explanation