milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I am having an issue with Bank of america. They have disconnected my online banking and i have not been able to access my account online or make payments to my credit card due to this. I have tried contacting them on fixing this situation and they are not helping me resolve 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 explanation
Consumer complaint received 03/20/2017 about Mortgage (Conventional fixed mortgage) with TOLL BROTHERS INC (IL).
Issue: Application, originator, mortgage broker

Complaint: I am a residential mortgage broker in Illinois and have been licensed since XXXX.There has been an ongoing issue within my industry that has affected consumer unfairly and thus unfair to the market as it pertains to me. New construction builders have always offered significant financial incentive in the form of significant upgrades in order for buyers using their source of financing, mortgage bankers and other companies at much higher interest rates than what the free market can offer. In particular, and this not being an isolated incident, I have been working with a long time borrower since last fall in providing preapproval and financing information with the borrower/buyer where she absolutely was committed to me because of the service I 've provided her in the past as well as having the most competitive pricing on the market. We issued a preapproval but the builder wanted their own financing company to preapprove the buyer to ensure her qualifications without obligation to using their financing. This is n't all that unusual. I recently reached out to the borrower to see when ground breaking was to take place and was informed that she has decided to use the builder 's financing source in exchange for a free {$30000.00} basement that otherwise would not be available for " free ''. She had no choice. The borrower should have the option using whoever they 'd like and has the best overall price/value. This is NOT an unusual circumstance but the norm. I understand the CFPB has been looking into this practice which prompted me to file this complaint. I have emails to document all described above if asked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient is reporting late payments to my credit report dating back to XX/XX/XXXX when my loans were in forbearance they have a knowledge that the loans were in for forbearance but refused to remove my late payments. I have been calling in dealing with them since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have purchased an appliance on XXXX which was delivered on XXXX XXXX, XXXX. The dishwasher was broken and I been contacting XXXX since then without not resolution. They keep transferring me over to XXXX company and XXXX transferring back to XXXX. no one want to be responsible and replace the dishwasher or refund my money back to XXXX card. Today XXXX been waiting for more than 1hr to talk with a XXXX representative over the phone and still not getting any response. I need help to raised since I received my bill already but I still not having my product.

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 03/26/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (NY).
Issue: Settlement process and costs

Complaint: The purpose of this statement is to complaint about the manner in which Penny Mac handled my foreclosure action. Since XX/XX/2016. I started processing a short sale and advise them of the intention of doing so. I have been in constant communication with them and was submitted and denied, with the suggestion to make a counter offer. Emails have been back and forth, however, they never expressed their intention to foreclose on the property and apparently they have executed the sale, without giving me the chance to dispute their decision. Moreover, they lead to believe that they were acting in good faith as they entertain the Short Sale offers, and corresponded via emails with seemly intentions to fulfill the sale. I would like to have the opportunity to be given the chance to finish the short sale as it would avoid the hurdles that comes with losing a property as a result of a foreclosure action. I would like to have the case reverted and be given the chance to fulfill the short sate at once.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Have letter dated from XXXX/XXXX/2015 from debt that is over 10 years old and has had many CFPB complaints filed on it before, removed from credit reports several years ago, now getting threats to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My father purchased a car for me in XX/XX/XXXX. I did not cosign for the car. The car never once was reported on my credit report until XX/XX/XXXX when my parents filed for Bankruptcy. The car was repossessed and I am assuming that since my parents did not include the car in their BK filing, that XXXX XXXX had to hold someone liable for the car, which was me. Why did they take 10 years to report this car on my credit report AND they report it as a delinquent account. What happened to ALL of the on time payments made for years? Why was that ever reported on my credit report, since they deemed me liable? But NOW, I am liable, so they decide to place it on my report as a delinquent collection account. Not right. Not fair. I was JUST in the process of buying a home and then this account came up and put a long pause on me buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Incorrect information on your report

Complaint: In XXXX 2017, I wrote to all 3 credit bureaus asking them to update the status of my mortgage account with Wells Fargo. The house has been sold but it still reports as open and past due. It has not been updated since XXXX 2017 but there are " unpaid '' remarks for each month past that. I reached to WellsFargo I got no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Federal student loan) with ConServe (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received several call and letters from Conserve collection agency claiming that I owed {$1700.00} to the US Department of Education. 
I then wrote to Conserve collections, stating that I do not have knowledge of that debt, since I never applied for a student loan, and I requested validation and/or documents proving that I applied for a student loan. 
Conserve sent a copy of an application for a student loan, the information in the form does not match my social security number, previous addresses, etc. 
Apparently Conserve has me confused with another individual, as I never applied for a student loan. 
Conserve continue with their illegal collection activities and demand payment. On XX/XX/2017 Conserve contacted my employer ( violating my privacy ) request personal information and started activity garnishing my salary. 
I wish to file a complaint against Conserve for violating all Credit Billing Acts and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Tri-Counties Accounts Adjustment Bureau (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Hi, I am a victim of identity theft. Someone used my personal information and identity for fraudulent gain. I did not create the accounts or gained any services or goods from them. When I became aware I was a victim, I reported it to the police, FTC and credit bureaus ( XXXX, XXXX and XXXX XXXX ). Account Recovery Services is a fraudulent account and is being reported on my credit report. I notified them via certified dispute letter with a copy of my police report, FTC affidavit, identification, current mailing address and explained to them the debt was not mine and a result of identity theft. Account Recovery Service verified the fraudulent account with the credit bureaus and have not removed their reporting of the fraudulent account, ignoring my disputes. The debt is n't mine and is a result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact XXXX XXXX XXXX per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2016 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (GA).
Issue: Account opening, closing, or management

Complaint: I applied to join XXXX XXXX XXXX for a home loan. They use a service called Chexsystems that has provided information to XXXX that I did not pass Chexsystems approval process and now I can not move forward with my mortgage loan at XXXX XXXX XXXX. I called the service and they will not review the infomraion they provided to XXXX with me preventing me form moving forward with my loan application.

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 01-03-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Public Record was disputed and found to have not been validated on XXXX and XXXX ; however Experian reported that it was, with no factual evidence sent as requested to have the item removed or verified. No proof of verification process was provided when asked.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX XXXX I received a Seriously Past Due notice from Transworld Systems Inc, address in XXXX DE, for an alleged debt I supposedly owe to XXXX in the amount of {$110.00}. I wrote to Transworld, explaining that I did not owe this amount to XXXX ; and that another collection agency, XXXX XXXX XXXX, recently tried to collect the same amount for the same " invoice. '' I do not do business with XXXX at all. XXXX XXXX XXXX dismissed the debt in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied American Express SPG credit card at XX/XX/XXXX. The promotion offer is XXXX Starpoints after {$3000.00} or more purchases within the first 3 months, and additional XXXX Starpoints after additional {$2000.00} or more purchases within the first 6 months. On XX/XX/XXXX, the customer service of American Express had confirmed that I have met the spend of {$3000.00} and should receive the XXXX Starpoints on the statement of XX/XX/XXXX. But I still have n't received the XXXX Starpoints even on the statement of XX/XX/XXXX. Attachments include : ( 1 ) The American Express SPG credit card was approved at XX/XX/XXXX. ( 2 ) Confirmation of meeting spending requirement form AmEx Customer Service. ( 3 ) Statements from XX/XX/XXXX to XX/XX/XXXX showing that I spent more than {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Private student loan debt) with SLM CORPORATION (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been sending this company XXXX each month via mail for over a year now. They will not return phone calls or give me a balance owed. They hang up on me and curse me out when I call to get the information on my account called XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX

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 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: I was negatively affected by the XXXX data breach. I called XXXX to freeze my credit and they will only do it if I pay them {$10.00}. 

I did not ask XXXX to keep a file on me - they do not have my authorization. I do not like the fact that XXXX furnishes anyone who pays with their unauthorized ( by me ) credit reports. Now they want ME to pay THEM to protect me from the perils their industry has subjected me and millions of other innocent citizens to. 

I used to pay XXXX to freeze my credit until these credit reporting crooks lobbied to have that taken away. Now XXXX is not allowed to freeze my credit. 
So much for the little guy. This industry is being allowed to destroy individual financial services customers credit lives One at a time. Please stop these crooks ( Experian, XXXX  and XXXX ) from charging the public to undo the harm to the average citizen 's credit they cause.

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 09/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have a a unverified account from Online In Services. I had previously disputed this account. I have never done business with Online In Services. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request thatOnline In Services Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Online In Services Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have made every single payment on time. I have tried to get them to lower the interest rate ( it 's at 9.75 % ),. The last time I called them, they said there was nothing they could do, they could not refinance my loan, even though I 've paid every singe payment on time for the last 4 years. The gentleman I spoke to said the only way I could get the nterest rate lowered was to " be late on a payment, and then COLLECTIONS will call you, then you can negotiate with them about refinancing ''. Why do I have to go to collections before I can be considered for refinancing? I have a XXXX credit score, there is NO REASON for my interest rate to remain 9.75 %. It will take me XXXX more years to pay off my loan at that rate. Absolutely absurd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Debt collection (Credit card) with CITIBANK, N.A. (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Macy 's allows its clients to enroll in autopay, and then stops honoring it without informing the client ( even when one 's account shows current autopay enrollment. ) They then charge late fees and report nonpayment to credit bureaus after 30 days. I have tried to have this corrected, but have received no response. This happened in XXXX as well, but this time it has affected my credit rating at a time when I am pursuing a home equity line of credit ( HELOC ). Each time it occurs, I have had fairly large balances in my checking account ( ~ {$3000.00} - XXXX ) so it is not because of lack of funds. ( They actually do n't claim that it is ; they just stop honoring autopay. ) In XXXX, I was told ( after inquiring ) that my autopay was canceled if I did not use my account every month. The information regarding autopay available at the time I enrolled did NOT disclose this, and I believe the practice was later changed. I was not notified and was then charged late fees if my payment, which I did not know had not been paid by autopay, was overdue. 

Interestingly, for a period of time, I received notices each month, stating that in accordance with my request, my bill was being paid by autopay. It was n't unusual, however, for my card to still be declined days after receiving this notice! A few sales people from different stores have told me they receive billing complaints " all the time. '' Last month I learned that Macy 's was once again failing to honor my autopay, and that they had reported me to the credit bureaus in XXXX XXXX for a 30 day-late payment. When I checked my account online, it indicated that I was currently enrolled, so I do n't understand why my bills were not paid. ( I attached a screen shot of my account page indicating " Autopay On. '' ) I went through the enrollment process again, even though under status, it stated that I was already enrolled. 

I have just learned that because of this, I either can not get a HELOC or will have to do so with a significantly higher interest rate. The credit agencies also cited the time in XXXX when Macy 's did the same thing. Because it was more remote, it did not have the same weight individually, but together, the XXXX have a significant effect. 

In XXXX, I asked Macy 's to remove the late payment notice that was submitted because of their error, and to send me a letter to provide to the credit agencies. Despite being told they would do this, they did not. 

I am normally pretty easygoing, but Macy 's practices are beyond upsetting. I am furious that my credit has been affected when, for the very first time, I need to take an equity loan because of family illnesses. I also am disgusted with their lack of response to consumer inquiries. 

I am hopeful the CFPB will be able to help. Thanks very much.

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