milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have received your response to our complaint that we issued against NationStar Mortgage 's ' handling of our mortgage account  XXXX   XXXX  ) and request for mortgage assistance.   Just to clear up any confusion, we are still in the same position ( we did not receive any help ), but was approved for a modification that would increase our payments. This is nothing but a distasteful joke as we can not afford current payments because of the present  one income, nevertheless the payments are running behind and instead of easing the burden while our income is much lower, our payment have increased an HOA dues in the amount of {$5800.00} are due. I have contacted Nations Star  and a represented tried to explain and then transferred the call and I was transferred again.   As of  XXXX   XXXX ,   XXXX  , I call requesting to speak with a supervisor, but was told none were available, but if I was " calling about the mortgage assistance, there is nothing a supervisor could do because your escrow is short ''. In essence ; our payment increased because we are running behind, Is this an answer to helping mortgage consumers? This is only doing what mortgage companies would need consumers to do, which is pay more to catch up, there is no need for modification when it turns out this way. What more do I need to do so that we could get help with our mortgage?   Today,  XXXX   XXXX ,   XXXX   I called and spoke with  XXXX  at  XXXX   XXXX   XXXX   XXXX , who answered the call in the Bk department. Our designated person to speak with has not return my recent phone calls. I express to  XXXX , the modification was unacceptable and we could not accept the present terms, also someone keeps placing collections notes on our door to call the mortgage company although we are behi nd TWO payments, although this can add up, this collection method is demeaning and unnecessary. Lastly, the HOA dues needs to be address as quickly as possible. Our attempts to resolved these matters with Nations Star has fell on deaf hears. Nationstar 's ' violations and penalties is not without concern as we have seen this spill over and affect our ability to communicate and resolve any financial issues.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Struggling to pay mortgage

Complaint: Good afternoon, I am writing because I have attempted to get mortgage modification from bank of america for the last 2 years. I have been denied services however I never knew why. Once speaking to BOA, the company indicated that they are suspecting mortgage fraud and will not proceed with loan modification on property because of this fraud alert on the account. They also will not disclose what I can do to remove this alert from the account to modify th loan. I am asking for you assistance to help me resolve this issue so I can proceed with loan modification to avoid losing my property.   I am willing to provide whatever documents that are needed to resolve this issue however Bank of America is not disclosing documents that are needed to resolve this issue. Please assist me in getting this issue resolved so I can save my home.   My ex-wife had a power of attorney back in  XXXX  when I was  XXXX  and was attempting to get modification on property as she was residing in the property at that time and was not paying the mortgage. We are no longer married and I have since moved on and has assigned and submitted another power of attorney (  XXXX  ) and have submitted a third party authorization in  XXXX  which voided the POA that was assigned to my ex wife. All these were submitted to BOA with my signature and witness by notary. With that being said, Bank of America is indicating this is fraud however it just some life changes. The curren t POA is m y current significant other and has been living in property with me since  XXXX   XXXX  and has been assisting me financially and with submitting appropriated documents to get home modified.   This problem came up again in  XXXX  and since the new  POA was not enough I signed an Revocation on POA for ex wife ( see attachment )

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 09/27/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (IL).
Issue: Account opening, closing, or management

Complaint: I have an account with Wells-Fargo. Over the life of the account, nearly 5 years, I have been repeatedly charged NSF or overdraft fees that are a direct result of daily review of transactions by Wells-Fargo and changing the order of transactions to maximize their take on said fees. 
The attached bank records only show the monthly tally. What they do n't show is the very deceptive practice of manipulating transactions, AFTER they have shown as posted online, to maximize the assessment of fees for NSF or overdraft activity. 
This activity includes the approval of online transactions, only to assess me NSF fees by holding onto those transactions for several days before posting to the account. 
Clearly this is a practice designed to dupe the client out of their hard earned money. There is no excuse for this and it is morally and ethically wrong.

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX has erroneously posted an auto loan under my social security number and has caused significant damage to my credit report. On XX/XX/XXXX I notified XXXX customer service that an erroneous entry on my credit report showed an auto loan that I did not have. After several phone calls to XXXX they promised a call back but never did. On XX/XX/XXXX I called XXXX offshore customer service ( in XXXX ) which they advised they had confirmed with the auto dealership where the loan was opened, and that the social security number was correct. I knew this was not true, so I asked the rep for the name of the dealership where the auto loan was opened. The XXXX rep gave me the information and I called the dealership and spoke to the finance manager. He confirmed the Social Security was miskeyed by XXXX. I then called back XXXX and advised them of my investigative findings. XXXX promised a call back and I never received one. Last night the rep stated that I should just get a lawyer, which is a horrible response to solving this problem. I would like to file 1 ) complaint regarding the issue with incorrect SSN displaying on my credit report 2 ) I would like to file a complaint to your executive managers regarding the false investigation that was conducted on your part. 3 ) I would like to file a complaint to your executive managers regarding every representative who promised to call me back but did not. Per FCRA law the item must be removed from my credit report immediately. The customer service that I received from this bank is horrible. All calls are contracted out to a call center in XXXX, and their customer service skills are horrible. I am not even a customer and I am glad I am not.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I just filed complaint # XXXX XXXX XXXX XXXX at XXXX in haste and my attachment was missing XXXX key documents. 
1. Nationstar FTC XXXX XXXX XXXX " XXXX Points of Complaint on a Word Doc '' 2. Nationstar School Tax Contract & Escrow XXXX XXXX XXXX XXXX. Nationstar FTC-CFPB XXXX XXXX XXXX email confirming receipt of the above confirmation. Nationstar FTC XXXX XXXX XXXX was my research information. Word doc.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Mortgage (VA mortgage) with AMERICAN FINANCIAL NETWORK INC. (CO).
Issue: Application, originator, mortgage broker

Complaint: I was trying to get refinanced because I need some cash out and I have an adjustable rate montage and applied to American Financial Network with a XXXX XXXX loan officer. 
They promised me XXXX cash out and that they would pay off a judgment against my daughter also. I had told them repeatedly not to go ahead with an appraisal unless all this looked good which they assured me that it did look good for me to get a loan with them .I had backed off them once but they persisted and so I gave them my credit card for the appraisal to be completed which it was costing me XXXX dollars but when they sent me papers to sign they money was not there that had been promised to me so backed off the loan and backed off the deal. I asked them to return the XXXX dollars since nothing was right about the loan .I believe they would tell me anything to close this loan but if they had vetted me closer before the appraisal as they should have they would simply told me that I did not have enough residual income for this loan to begin with, i contacted them and ask them to return the money have charged on my credit card but they ignored me and actually told me they would still do this loan, How can thy loan money to someone who did not met the standards for the loan in the first place They are American Financial Network Inc .www.afncorp.com the loan officer was XXXX XXXX from Ohio.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I closed the account but capital one had told XXXX is that the account was closed by creditor. However, all the other credit bureaus show accurate information that I closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Debt collection (Medical debt) with Capital Accounts, LLC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 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: Experian credit reporting agency is reporting a Chapter XXXX bankruptcy which does not belong to me. I sent a letter to the US Bankruptcy court in XXXX inquiring about the bankruptcy and they replied with a letter telling me that they do not report ANY INFORMATION to the credit bureaus. The court advised me that the credit bureau obtained this information independently. A copy of this letter from the bankruptcy clerk is attached. I sent a letter to Experian requesting they delete this inaccurate bankruptcy information and they refuse to delete it. They claim the information was obtained from XXXX XXXX. I contacted XXXX XXXX, who informed me that had put a security freeze on my data file because my information may have been used fraudulently. I have also attached a copy of the letter from XXXX XXXX. Experian credit reporting agency is also reporting an account from XXXX XXXX. I have written several letters to XXXX XXXX at the address listed on the credit report and those letters were returned to me " undeliverable ''. I sent this information to Experian and they refuse to delete the inaccurate account from my credit report. According to the Fair Credit Reporting act, ALL INACCURATE UNVERIFIABLE INFORMATION SHOULD BE DELETED FROM CREDIT REPORTS. Experian has simply ignored my request. I have uploaded/attached all copies of letters and documentation to support the above.

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 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have sent multiple letters to this company trying to verify an alleged debt. They have failed to respond to me in all attempts. They are reporting debt on my credit that I have no knowledge of. This is why I'm trying to verify this debt with the company.

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The recent Equifax hack ( XXXX-XXXX 2017 ) potentially leaked all of my most valuable personal information online. I would like to know what steps will be taken by Equifax to right this wrong. I would also like to know Equifax 's legal culpability in this event. For example, I am held accountable for how the information in my credit report is used, including if it is stolen. I expect the same from Equifax and view this as gross misuse of the information they have been entrusted with. My social security number is issued by the US Government and therefore I am also curious as to how they will be involved in this investigation. I personally believe the entire social security number system has been invalidated by this leak and this will be an expensive problem to fix, the responsibility of which I feel belongs to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: on XX/XX/XXXX, 2017 I faxed a dispute to XXXX 's regarding a XXXX 's account that 's reporting to my Experian and XXXX credit report in the amount of {$310.00}. I was told to allow 30-60 days to investigate, its been past 60 days and I have not received a response. I have attached the dispute with successful fax transmission.

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 11/23/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This dispute and investigation is for Equifax Credit Bureau. I had XXXX accounts with XXXX XXXX XXXX as a XXXX in college. These cards were opened at separate times, XXXX in the XXXX XXXX and the other in XXXX XXXX. After losing my job at XXXX I maintained the cards for a little bit but eventually fell behind and let everything crash. The cards were delinquent by the end of XXXX of XXXX. Equifax has it documented that the accounts were opened in XXXX and the other in XXXX which is completely inaccurate. The accounts are way older than that and should have been deleted no later than XXXX. I have disputed with Equifax that the dates are inaccurate and that they be deleted but they failed to do a thorough investigation and to comply. Equifax also is stating the accounts were being paid on time from XXXX to XXXX where then I fell behind which is also untrue. The accounts have been delinquent for years prior. I believe they were allowing the creditor to falsify documents and misconstrue payment history to have the continuous right to keep pursuing me. Also in XXXX XXXX Equifax reported the same XXXX accounts as being current late payments that went from 30 days, to 60 days, then 90 days late and so on.How can they put old debt on my credit file as being new? I have been trying to acquire a home for myself for years now and these very XXXX accounts have held me back. How can Equifax not recognize this debt as being old given that I was XXXX at the time and I am now XXXX. I just wanted to be done with the whole situation where they could n't drop my score anymore by citing " late payments '' so I paid the debt off earlier this year. These accounts still remain on my report and I DEMAND they BOTH be removed once and for all! I am also disputing the fact that they have XXXX reported on my credit file. This account should NEVER have been to collections because I was charged twice for this debt before it went to collections ( hence the lack of payment ) because I was n't paying a third time. I had it deleted from my credit file a couple times but as the debt holders changed Equifax keeps allowing it to come back on my report as collections which effects my score drastically. I paid the " debt '' off AGAIN in XXXX XXXX just so it would n't appear again and to protect my credit score. This account still remains on my report and I DEMAND it be deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: At around XXXX XXXX on XXXX2017 I entered my information on the site equifaxsecurity2017.com to inquire if my information was possibly compromised from the Equifax Hack . I was informed that my information was likely compromised, and encouraged to sign up for their TrustedID credit freeze services. Since then, I 've learned these results are likely randomly generated, and that the TrustedID services is another revenue generating product from Equifax. Additionally, it appears that signing up for the services bars me from participating in any class action lawsuits against Equifax should my information be compromised. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (CT).
Issue: Managing the loan or lease

Complaint: The interest rate on loan with Avant Credit was not disclosed at time of application/loan approval. I applied for a loan on or about XXXX of 2015, the terms such as high interest rate were not disclosed at time of application, Avant rep ( s ) claim otherwise. This might be due to a technical issue, my computer screen was not working properly at the time. I have since purchased a new PC. They are charging an extremely high rate of 35.94 %, this was not disclosed at the time or did not appear on my screen. Their rep, XXXX XXXX, defended the rate and claimed to have screen shots showing what appeared on my end, There is no way he has screen shots showing what was on my computer at time of application/approval. He can only show what they supposedly sent over on their end. Complaints were filed with XXXX XXXX XXXX XXXX, XXXX in Illinois, FDIC, XXXX in Illinois. The matter is still unresolved, XXXX XXXX as well as other Avant reps were advised payments on loan will cease until rate is lowered, they will not budge.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: TRANSWORLD SYSTEMS  reported an account as open and past due on my credit report after bankruptcy case  XXXX  was  discharged .

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Payday loan, title loan, or personal loan (Installment loan) with Bliksum, LLC (CA).
Issue: Problem when making payments

Complaint: In XX/XX/XXXX, I found myself in a financial bind and needed money to pay my rent and bills. I filled out an application with XXXX online and was approved. At the time I desperately needed the money and agreed to their outrages interest rate of 179 % on a {$2500.00} loan. In XXXX I had to make my first payment of {$490.00} and continued payments of {$380.00} monthly until XX/XX/XXXX. I fell on to hard times and could not continue making the payments. I did, in fact, pay from XX/XX/XXXX to XX/XX/XXXX a total of {$2400.00}. In XX/XX/XXXX, I tried to make arrangements with them and come to an agreement but was, unfortunately, they failed to come to terms with me and was later sued. Today, XX/XX/XXXX, I showed up in court and agreed to pay them {$200.00} in XXXX and {$75.00} a month after until the {$2600.00} loan is paid. When I emailed them asking if they would work with me they refused to send me a modification agreement by email or mail. To which I could not understand because they had done it before. I told them that I had the legal right to request any and all communication with them in writing. They stated that for security reasons they could not send it by email and had to speak with me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Late fee

Complaint: Asked XXXX Chase credit card company to change date of payment for bill to show up with all my other bills. They said they would do so. Subsequently, I missed timely payment by one day. They had not made the change they said they would. Ask for a refund of late fee + interest. They absolutely will not provide me with a credit. I paid my bill in full minus the penalties + interest and card was canceled plus my points voided. Asked again for balance to be zeroed out. They not only will not do so but they have been incredibly and consistently rude and insulting. I have called XXXX. They will not do anything. They ( Chase Bank USA NA ) are now compounding the penalties and interest. They truly seem to enjoy telling me " there is nothing we can do '' and seem in utter delight to belittle and insult me. ( " You have been previously been informed of our rules, have n't you? '' " I know you 've been refused on this before.. '' for example. ) I do n't understand why they are so interested in generating ill will. I do n't understand this commitment to punish and humiliate a formerly good customer. I would like to hereby issue a formal complaint.

Company response to consumer: Closed with explanation