milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-10-2016 about Mortgage (Other mortgage) with Servis One, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was originally With XXXX XXXX, then sold to XXXX, sold to XXXX and then sold to Bsi financial. Bsi financial does not answer their phone, return calls, and they lose documents submitted and Certain departments of BSI do n't even see me as a consumer. I keep submitting that I have insurance on my condo and when I call the insurance department of BSi they say no loan exists in my name. I could be making payments and sending my information to where? Also my interest rate keeps increasing every year. I can not afford this and when I submit paperwork they tell me it 's not valid or expired. I do n't want to lose my home. Today I waited 2.5 hours on hold and then a message came on to leave a voicemail ( I have done so and emailed but never hear a response back ). 
I was also told that my person of contact is a XXXX XXXX, I have called him, left messages, to no avail since XXXX. I can not connect with him. 
Something needs to be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: XXXX/XXXX/XXXX : I requested validation/substantiation of a collection claim from XXXX XXXX XXXX XXXX XXXX in the amount of {$220.00}. No response was received at all, so I took it a step further and contacted Equifax ( followed the same steps for XXXX and XXXX, XXXX removed the account after their investigation : XXXX and Equifax did not ). XXXX/XXXX/XXXX : I requested Equifax investigate and remove the account due to XXXX XXXX XXXX XXXX XXXX non-reply ( provided a copy of the letter sent to XXXX XXXX XXXX XXXX XXXX ). XXXX/XXXX/XXXX : Equifax responded indicating that their investigation was complete : item verified. XXXX/XXXX/XXXX I requested the method/detailed explanation of the verification. In Equifax notice to consumer section on each response to my dispute, it specifically indicates word for word ; " You may request a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonably available the phone number. '' XXXX/XXXX/XXXX : Equifax responded with a duplicate of the letter received dated XXXX/XXXX/XXXX, the only difference was the date. My request was completely ignored. My requests were mailed certified, I am not only losing money but also losing time on detailed correspondence which is clearly not read by a human, this is obvious because I am receiving duplicate automated responses. Equifax stated in their response letters to me that they requested that XXXX XXXX XXXX XXXX send a response to my dispute ; why would n't Equifax forward me that response?

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Credit card () with KEYCORP (MI).
Issue: Late fee

Complaint: KeyBank has consistently posted payments made to my account late. A payment of {$330.00} was mailed by XXXX 's BillPay service, and was confirmed to have been delivered to Key by XXXX/XXXX/2016. KeyBank did not post the payment until XXXX/XXXX/2016, 5 days late. Since the due date was XXXX/XXXX/2016, KeyBank assessed a {$25.00} late fee. A payment sent the next month also posted late. XXXX mailed a check in the amount of {$95.00}, and confirmed it was delivered by XXXX/XXXX/2016. KeyBank did not post the payment until XXXX/XXXX/2016, 6 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have contacted Experian several times trying to get a copy of my credit report. I also sent in several dispute letters too. But I have not heard nothing back from them. I do n't know why they are not responding but I 'm pretty sure that it is the law that they have to send me my report once every year and also respond to me when I dispute something on my credit report. I tried calling them but I can not speak with anyone without a credit report and since I ca n't get my credit report I ca n't get anything done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Vehicle loan or lease (Loan) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (IL).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: My business executed 2 new vehicle loans with XXXX XXXX XXXX XXXX XXXX. Our loan officer told us that a prepayment penalty would apply if and only if we refinanced the loan. Weve since reached out for payoff amounts due to sale of the two vehicles and theyve assessed {$33000.00} in prepayment premium.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Transunion has fail to provide me with my dispute results in a timely 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 explanation
Consumer complaint received 10-10-2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: this loan was received in 2000 for XXXX through XXXX XXXX now ( Navient ). Now in the last 8 years I have paid them XXXX a month a total of at least XXXX and they have sent me a balance of XXXX.Now how is this possible? It seems that a fraud concept is going on. I want you to check on this please. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
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: XXXX XXXX AUTO LOAN XXXX DAILING THIS ACCOUNT TO ALL CREDIT BUREAUS, ESPECIALLY XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/27/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There are multiple incorrect addresses on my credit reports ( for example - Experian has XXXX social security numbers that are not mine, and a host of addresses that are not mine. ) I have disputed with all three credit reporting agencies. They will also not let me dispute them any more even with proof of my current address and social security card!!!!!!! The only correct addresses are XXXX XXXX XXXX and XXXX XXXX The rest are inaccurate and reporting as such. I have asked for ways they have verified this information, and received nothing other than they investigated and found the addresses to be accurate. I just want the inaccurate socials and addresses removed!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (DE).
Issue: Managing the loan or lease

Complaint: Reviewed by phone my equity line of credit with Wells Fargo Bank. The recorded information states that on XXXX XXXX, 2016 a " transaction '' for {$430.00} was made. This transaction was not made by me. Nothing was added to my balance. 
Talked with Equity Line division by phone. They did not see this transaction on their computer screens. Went into the bank. They also could not find this transaction. Used my cell phone to pull up my account, handed it to the manager so he could the recorded message. A " glitch '' is what he suggested. 
On XXXX XXXX, 2016 I paid the remaining balance but did not close the account. I did close other accounts but kept my checking and XXXX accounts. 
The is no paper work showing this transaction. I 'm wondering if I 'm the only account holder that has had this experience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX XXXX ; or share my credit report with XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX, Experian and XXXX reporting for Acct Number : XXXX : On XXXX, Acct # XXXX is being reported with missing Date of Last Activity, missing High Credit and Date of Payment shows XX/XX/2012 ; However on XXXX it is reporting Date of Last Payment as XXXX/XXXX/2012, and on Experian, Date of Last Payment is missing, High Credit and several account terms are missing. 
On a few separate occasions I have disputed with all XXXX credit bureaus XXXX, XXXX, and Experian pertaining to Acct # XXXX and each time it has been 'verified ' by XXXX XXXX XXXX . I have included the excerpts of my credit reports showing how these accounts are reporting

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 07/31/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (MI).
Issue: Account opening, closing, or management

Complaint: My partner and I are the beneficiary of an estate and have inherited a home in FL. The property was fully paid for ( No first mortgage ). The owner had a Home Equity Line Of Credit available which has never been utilized in any way and has a ZERO balance due. The Decedent went to great lengths to create an estate that would not require any probate actions upon his death. He had XXXX outstanding debt and lived a simple life. Upon his death my partner and I as joint tenants on the deed took ownership of the home. 

In order to improve the property to lease it we have been approved for a first mortgage by XXXX XXXX. Chase bank is holding a lien for the HELOC and is refusing to close the line of credit WITH A ZERO BALANCE without a court authorized agent signing a bank required document to close the account. The cost of probate to appoint a court authorized agent will cost XXXX to XXXX XXXX dollars in attorney fees to have a line of credit closed. I have already spent {$330.00} for an attorney to send a letter explaining the UNREASONABLE BURDEN this arbitrary requirement CHASE bank is imposing on us.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've been disputing this debt for a while now, these two debts do not belong to me. After failing to prove validity, these two accounts still remain on my report. These collection accounts were opened in XXXX but the original creditor states the accounts were established in XXXX. Now at the i was only about XXXX years old. So i find it highly ridiculous to keep these two accounts on my report. I was a victim of identity theft before i was of legal age. My information was forged, hence why i have verified my info with XXXX On my report from them there was inaccurate info such as my date of birth and legal name. My report contained several pieces of false identifying information. XXXX has removed those items, including these two accounts. So i dont know why portfolio recovery is still listed on my XXXX and XXXX. The creditor claims these accounts are not fraudulent, which is why the bureau 's are making it hard to remove this frivolous mess. I want proof of validity sent to me immediately. The debt collector and the original creditors response will be shared with my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (OR).
Issue: Loan modification,collection,foreclosure

Complaint: A mod package was sent in XXXX ( see email attachment ) Sale date was set for XXXX. 
On XXXX Wells Fargo employee XXXX XXXX stated that a note on file deemed the account ineligible fore review and the call was transferred to the reentry team. XXXX stated that the documents were sent in and entered XXXX and that they need EIGHT days before the sale date to review the file and that they got the file SEVEN days before the sale date. 
California guidelines state 7 days are needed. NOT XXXX. 
Our office called Wells Fargo EXECUTIVE OFFICE. XXXX XXXX XXXX who did nothing to assist on the matter. She stated that she will request a reinstatement. The home owner DOES NOT HAVE THE FUNDS to reinstate. We called the executive office to get assistance with the documents that were there ON TIME. Instead no assistance was provided. 
It is very apparent that Wells Fargo would rather foreclose on the home than provide assistance. There is no tangible reason for Wells Fargo to REFUSE to review the COMPLETE package that was there on time. Wells Fargo is discriminating against the homeowner based on his age, race, ethnicity, marital status. We are demanding a fair review of the file or XXXX XXXX will assert his legal right and name Wells Fargo defendants in civil court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Student loan (Non-federal student loan) with AES/PHEAA (SC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I attended XXXX XXXX located in XXXX, PA from XX/XX/XXXX to XX/XX/XXXX. In order to attend XXXX XXXX I received private student loans through the National Collegiate Trust. Upon graduation in XX/XX/XXXX, I have experienced difficulty paying my loans back due to poor wages and the birth of a XXXX child. However, I have done my best to keep NCT in the loop. At this time I am currently back in school full-time in order to obtain a better job so that I may pay back all of my student loans. All of my other student loans are currently in forbearance. I am not working, I am in school full-time. NCT has hired XXXX XXXX to handle the collection of the balance, despite the fact that XXXX XXXX XXXX manages to the payment schedule. XXXX XXXX called me XX/XX/XXXX and indicated that if I did not pay the loan or my cosigner did not pay, then NCT would liquidate the loan. At this point the associate indicated that they would then go after my co-signers ( my mother ) bank account and income. It is my understanding that this is improper behavior on the associates end and is threatening in nature. At this point no judgement have been rendered, so threatening to wipe out my bank accounts is egregiously out of line. It is also my understanding through research and communications with American Educational Services and National Collegiate Trust that XXXX XXXX is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The name XXXX XXXX has been on my credit report for a long time and needs to be removed. I do n't know this name and have never used it. thanks!

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 08/30/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Account opening, closing, or management

Complaint: My last statement from Bank America showed a charge for " check imaging ''. I never ordered it. I called customer service and although they removed the charge, they could not tell me how this happened. My feeling is that it is a new deceptive practice to get extra fees hoping that the customer will not notice it.

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 01/28/2016 about Credit card () with CITIBANK, N.A. (WI).
Issue: Rewards

Complaint: Dear Sir or Madam : I had sent a complaint earlier : # XXXX regarding Citibank Credit Card notifying me that they had sent out gift certificates from their rewards program and failing to send them out without notifying the customer and not crediting the " Points '' used to the account for the gift certificates which were not sent out as " known issue '' to Citibank. After three emails with no response, Citibank finally answered and responded to your letter by posting the points from the gift certificates they failed to send because of " their known vendor '' issue. However, they fixed the problem in the account and I had check issued to me, but then Citicard debited my account for the gift certificates never received for the next month. So, instead of having XXXX worth of points for that month, instead Citibank double debited me. I find this incredibl especially after having a known issue, not sending the gift certificates despite emails saying ... your rewards are on their way, and then debiting me twice. They failed to respond to my emails until finally they answered back and said, you were debited for the gift cards which they never sent. 

Please review this case and hold them accountable. I spend over XXXX dollars a year with this credit card and they have been having issues with upholding their cardholder agreement and honoring their rewards programs. 


Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I contacted all XXXX credit bureaus, by way of certified mail on XXXX/XXXX/16, asking them to remove public information which IS NOT reported directly to them, but that they are receiving through a third party. Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. 

A Tax Lien filing is public information. Again, state or federal recorders do not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Equifax has found information on previously stated Tax Lien 's through third party research. 

I 've asked that they please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. 

XXXX was the only bureau to delete the information. Equifax and XXXX sent letters in return, but failed to provide the information I requested. 

I am requesting help on this, as this reporting is hurting my financial ability to borrow/puchase, and my good standing with institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Other debt) with Miller, Stark, Klein and Associates (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On Friday, XX/XX/XXXX at XXXX, I spoke with ( XXXX ). A representative from the collections agency ( Miller Stark Klein and Associates ). XXXX informed me that the reason for his call was because his client ( XXXX ) hire them to collect an outstanding balance that ( XXXX ) claimed it was due for collections for services dating back to " XX/XX/XXXX ''. 

I explained to XXXX, that I can confirm that I did have services with XXXX during XX/XX/XXXX. However services were cancel and there wasn't a balance left on the account. 

If XXXX 's records showed that there was an outstating balance on the account ; why didn't XXXX never contacted me in 12 years. I also explained that I had ( Cable, Telephone, and Internet ) with XXXX XXXX, just last year on ( XX/XX/XXXX ). 

In order for me to have services installed, XXXX did two things ; 1 ) Verified I DID NOT have any outstanding balances with the company for prior services. 2 ) I agreed to have my credit file review, my credit score was XXXX. I had services installed with out the requirement of a deposit. ( Proof attached ) I then went ahead and informed XXXX that as a collections agent, I was sure that he was aware that it was illegal for him or XXXX to attempt to collect on a debt that is 12 years old. I also asked for proof of this debt, he informed me that unfortunately he would have to report the debt. I would also be contacted through a conference call at a later time by XXXX. I also am a XXXX person on Social Security XXXX benefits. 

I'm not sure what to make of this phone call from XXXX. He claims to be employed by Miller Stark and Associates, but its clear that there is a failure for them to abide by the Fair Debt Collection Practices. I also could of been a victim of a phishing scam.

Company response to consumer: Closed with explanation