milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/25/2017 about Credit reporting () with AMERICAN EXPRESS COMPANY (FL).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: American Express sent marketing information to my home address soliciting to my father, but they did not include the suffix so I thought it was addressed to me. It had pre-approved deals solicited to my name and I started applying for the credit card online. They did a hard credit check on my information then denied me. But I put in information that clearly showed that I am the XXXX, including my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I pay to get my report from Equifax any time i want. for the last 4 months NO report shows up. every time i call i get a different excuse for it not working. I was asked to send in a copy of my s.s. card and ID. I did that and I still can not see anything. theres nothing showing

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Hi, I would like to file complaint concerning theft or loss of my money at Bank of America. Despite numerous attempts to resolve this problem with Bank of America, I am still not getting anywhere on this. In CFPB case XXXX, I have learned that Bank of America escheated my property to State of Wisconsin. So, I contacted State of Wisconsin, their response ( in writing from the DOR Unclaimed Property Division ) is the following : " I have looked under your name and I can not find anything under your name. You will need to contact Bank of America, we can not help you claim your unclaimed property if we can not find it. Its possible Bank of America misspelled your name or make a data entry error when the property was sent to us. You will need to go back to Bank of America and talk to them. They have more information about the property then us. '' I did as instructed by the State of Wisconsin. In my email sent to Bank of America on XXXX XXXX, 2017, and also in CFPB case XXXX, I provided Bank of America the response that I received from State of Wisconsin, and I asked Bank of America to find my money. Bank of America has not addressed this problem, neither via email nor in CFPB case XXXX. I STILL DO NOT KNOW WHERE MY MONEY IS. I do not want to call any phone number at Bank of America as XXXX XXXX from Bank of America suggests to listen to their excuses. THIS IS BANK OF AMERICA 'S PROBLEM ; BANK OF AMERICA LOST MY MONEY. I WANT BANK OF AMERICA TO CONTACT STATE OF WISCONSIN TO FIGURE THIS PROBLEM OUT, AND TO FIND MY MONEY, and tell me where it is IN WRITING! AND WHEN YOU FIND IT, SEND IT AS A CHECK TO MY HOME ADDRESS. I am so disappointed with Bank of America that I am almost ready to report my experience in national media!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Payday loan () with GVA Holdings, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: Green lineloans the Lender has been paid back XXXX to date on a XXXX dollar loan. After consulting with my attorney I found out they are not licensed to do business in the state of California and I over paid them XXXX which in the interests of good faith I 'm not asking for a refund. Thy claim I still owe XXXX and change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage account with OCWEN INC. My account was initially with XXXX in XX/XX/XXXX and they sold soon after to OCWEN XXXX My account has been pain on time and current since XX/XX/XXXX, however OCWEN have filed a public record stating bankruptcy was dismissed in XX/XX/XXXX. This information is completely inaccurate and OCWEN refuse to correct ASAP even though I have contacted then on numerous occasions. The last person I spoke to ask me to send them a letter detailing the issue. This is affecting my credit because of this information. I have written to the XXXX credit bureaus and they are insisting the information was verified even though I get a response from them within 7 days. I am sure it takes more than 7 days to verify this information.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX is an account that has been closed. It was sold and re aged to XXXX XXXX. I never had a contract or account with them. I asked them to remove the matter or supply legal proof saying I owe them but they will not. I do n't accept company letterhead saying I owe you. XXXX XXXX also sold this account to XXXX a collection agency which sewed me. I had to pay XXXX dollars to a lawyer!. I won my lawsuit. They did n't have no proof I owe them and they took XXXX off the report. XXXX XXXX still would n't removed it. They are performing illegal acts against me and towards my credit which has stopped me from obtaining new credit because of this delinquent account. I would appreciate help with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BAYVIEW LOAN SERVICING, LLC (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: My issue is related to the cre ditor Bayview Financial.    I have notifi ed Bayview Financial in writin g and also by disputing on my credit report a claim that is not accurate. I have n't ever had a mortgage as reported by bayview financial.   I 've disputed this with them over the phone with minimal results. I 've asked for a copy of the contract bearing my signature or any documention proving my knowledge of account without any results. I 've asked for verification of the alleged debt and  Bayview Financial ha s n't provided me with anything. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX calls my home phone & cell phone asking for another person regarding an outstanding debt. I have informed them the person they are seeking does not live at my residence and asked them to stop calling. Their response is asking me for other person 's info and then hanging up the phone. Today at XXXX XXXX home phone & XXXX cell phone they are calling me again. This has been happening for over a period of time. I am a senior citizen and they are disturbing me..

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: After paying off my mortgage, Wells Fargo Home Mortgage issued an escrow refund check in my name but sent it to the wrong address. I presented this problem in person to a banker at a Wells Fargo branch. It was suggested that I had something to do with the wrong address. It was suggested that I forgot that I used to live at this wrong address. Blaming the customer first is not acceptable. Wells wanted to know if I received the check. No I have not. I am only aware of the wrong address on the check because a PDF version of the check is available online. Astoundingly, the first question I was asked by Wells : Do I have a banking relationship with Wells Fargo? Yes, but maybe not for long.

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 04-07-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have made prepayments on my mortgage to arrive at 78 % LTV before originally indicated on original amortization schedule. I assumed this meant automatic cancellation of PMI, but apparently not. ( Does " XXXX scheduled '' mean " originally scheduled? '' )

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Loan servicing, payments, escrow account

Complaint: we refinanced our mortgage last year when rates were lower and we had nationstar, they gave us to XXXX who said they are the parent company. 
XXXX told us how much our payment would be a month which was {$660.00} and we wanted the lower payment from our {$720.00} range so we decided to do it. At that time we owed {$76000.00} and after the refinance it went up to {$78000.00}, the problem now is we get a letter telling us not enough was estimated for the escrow and now we have to pay the extra {$64.00} a month. 
Now we are paying the same as before if not more because someones mistake, not on our part.And after it was refinanced they sold us back to Nationstar I have called to talk to someone and they gave me the specialist who could not answer my question as to how someone only estimated half our yearly taxes into the refinance when we have 5 years history showing what it was, I feel like it was done on purpose and they knew what they were doing and took our {$2000.00} we paid to refinance also, something does n't add up here at all, why are we paying 3.5 % and its the same as the 5 % thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never opened a account or done business with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: In XXXX, we my husband and myself took out a loan with XXXX. Not realizing I should have educated ourselves a little better on School loans. My daughter is also on as a co-signer, later on approx.XX/XX/XXXX, I asked about removing our daughters name as a co-signer. XXXX instructs us to follow the rules and regulations for this to happen. I had to become current, since we did have some late payments, deferments, etc. It took us a while to maintain current payments at that time because we were also in one of those upside loans on our mortgage. After doing a short sale on the house and giving it back to the bank, things were becoming worse with my health. we decided to move out of the area to a smaller less expensive town so things would be more affordable. I always kept in contact with XXXX, finally maintained on time payments for 24 month as we agreed upon in order to release my daughter as a co-signer, then re-negotiate the loan. In the middle of this process, XXXX sends us a letter stating they are having a name change to Navient. My health is deteriorating and becoming worse, so I am no longer working. Navient has a new set of rules and tells me we do not qualify for release of a co-signer, my husband is retired and taking care of me, also maintains a part-time job with one of the XXXX XXXX XXXX So for the last two to three years we have been calling them, trying to negotiate new terms, and they are refusing. We are paying them on a regular basis, with our daughters help sometimes because of medical bills. They are telling us we have no benefits, wont even look at lowering the interest rate since our credit scores are better now then they have been. We are at 10 % variable and currently has just gone up another {$10.00}, which might not sound like much but it does make a difference when your payment is already over {$330.00}. Only {$40.00} is going to principal, at this rate we will be paying this forever! We need help, I 've checked into personal loans but now they are over 12 %, which would give us an even larger payment per month. I have asked to speak with managers, they refused, I have asked to write a letter to the lender, they say cant tell me who that is, I do n't know what else to do.? We do n't deny we owe them, we are just looking for a little breathing room. Everyone else regarding our creditors have been so accommodating, IRS, State treasury, Hospitals, even a second student loan has dropped the payment amount. I do n't understand why they wont work with us. What else can we do as consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 've been given the run around multiple times and even forced to pay extra than my already agreed upon set monthly amount. My account online still says it is past due but today Navient has told my that my account is current. 

After being disconnect multiple times, with what I think people not wanting to figure out what is wrong with my account, I finally got through to someone who told me that because I made a previous agreement that I am fine and my account will be current, but the website will not reflect what agreement is made over the phone. I feel like this is a huge act of deception and could cause people to overpay/ or cause financial problems to some. 

Even after being told that our account is current we continue to get calls from an automated line from Navient saying our loan is due to be paid. 

I am scared that late fees are being charged and I am not being told about them and that this cycle will continue. They also seem to misallocate my payment as each of my student loans gets a different amount each month. 

Obviously there is more problems going on but I am unable to type all of them out. This is from loans when I was at school at XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (MA).
Issue: Taking out the loan or lease

Complaint: I have had continual issues with a company called Lending Club Corporation. They are located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX. They had sent me an email stating I was denied credit on XXXX/XXXX/15. I received that notification on XXXX/XXXX/15. I looked up this company to see if they were legitimate, XXXX stated they were and supposedly they have a A plus rating with the XXXX. However when I wrote to them to tell them that I did n't apply for any loan they stated that if I felt like I was a victim of fraud then I needed to file with the FTC which I did, file a police report which I did and do an affidavit so they could share only with the police dept. When speaking with the attorney generals office, they said they can understand not speaking to me, but their stalling tactics with speaking with the police department raise a red flag. They were mailed an affidavit with all the info they required including my license and a utility bill. The were faxed the affidavit which they supposedly ca n't find and they were emailed the affidavit where I forwarded it from what the police dept sent me to their consumer advocacy group that required it. They continually get my affidavit yet they claim they do n't see it yet they did get the officers police report as they called him to tell him they ca n't discuss anything until they get the affidavit. I 've sent it 3 times to the address above attention fraud dept. they have it via email. All they do is stall and play games saying they do n't have it when there 's proof they do. They seemingly do n't want to speak to the officer either by using these stalling tactics. If they 're Legitimate and are n't phishing for info themselves then why are n't they sharing who applied for a loan in my name? Need help getting them to talk to the XXXX mass police officer that did the fraud report up. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Requested a forbearance from Navient on XX/XX/XXXX was instructed to make an XXXX dollar payment to enter into forbearance, on XX/XX/XXXX made the XXXX dollar payment and on XX/XX/XXXX I was issued a letter saying that I had n't made a payment. Called ( XXXX ) -XXXX upon receiving the letter, was told that my forbearance would be re-submitted and that I would remain in current status for my loan. I then made my student loan payment on XX/XX/XXXX and received an email on XX/XX/XXXX stating that I had n't made a payment. Once again I immediately called XXXX, once again I was told that there was no record of a forbearance but that my loan status was " current ''. Flash forward to today XX/XX/XXXX I received  a letter stating my student loan had n't been received. I verified that there is a charge payment to Navient from my checking account and now im publishing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: we were in bankrupcy with nationstar, they claimed they were not getting payments from bank rupcy court.. we pulled out of bankrupcy and started sending payments o them. i belive they are holding the late payments from bankrupcy court agianst me. if i was months behind they would have reposessed. my atorney was XXXX in XXXX va, the bankrupcy court judge was a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Since when I opened my SSN this year I have been cleaning up my credit report due unauthorized requests/reports/updating personal info. 

Inquiries not cleaning up : XXXX XXXX XXXX - XXXX ( Already asked the company they removed one inquiry only ) - Last contact in XXXX. 
XXXX XXXX - XXXX ( never hear back from the company ) - Last contact in XXXX. 
XXXX XXXX - XXXX ( never hear back from the company ) - Last contact in 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 explanation
Consumer complaint received 08/15/2016 about Bank account or service (Checking account) with PNC Bank N.A. (AZ).
Issue: Account opening, closing, or management

Complaint: I sent a letter to a bank where I had a checking account. I had moved and wanted to close the account and have them send me the funds. Instead of sending them to my new address, they sent them to my old address. Now they are unwilling to reissue another check.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Filing a complaint against Equifax for failing to respond to disputes/ method of validation request.      XXXX  Sent a letter requesting immediate removal of several accounts that are listed inaccurately/ I was unaware of.These accounts should not have been on my credit report as they were not accurate/ complete information. Most of them were even missing the company 's name. There were  six  accounts/ sets of accounts listed ( please see letter  XXXX   XXXX  Received a response from Equifax which  XXXX  isted all the accounts as " We verified that this item belong s to you  XXXX  Sent a letter to Equifax requesting method  of v erification as I completely disagree with the results they stated on  XXXX  **** Waited 15 days- no response****  XXXX  Sent a letter to follow up on my " method of verification letter ''. Requested that accounts were immediately deleted due to their inability to respond within permissable time frame.     To this date,  XXXX   XXXX ,   XXXX  , I still have not received any type of response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX of 2014 someone deposit a check into my account from an ATM unauthorized in Work forged I 've then made a claim reporting the activity that was being done on my account on the XXXX of 2014 I then got a statement stating I was negative in my bank account and that i owed Bank of America money. I then went to a bank of America branch in XXXX XXXX XXXX where they stated that I never made a claim and the associate called the claim center and said they never got a claim so I made a claim and the Bank of America associate ask them to the ATM cameras that resulted in showing it was not me at the ATM and they removed the negative money on my account and I could receive the following money I had left on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief