milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I HAVE NO IDEA WHAT THESE CHARGES ARE FOR. I HAD XXXX SERVICE IN XXXX 2009. MY PLAN WAS UNLIMITED TALK TEXT ETC. AROUND XXXX XXXX 2009 THEY BILLED ME FOR SOME XXXX CALLS CONCERNING A COMPANY NAMED XXXX XXXX??? WHICH I NEVER HEARD OF AND THE AMOUNT OF THE FRAUDULENT CHARGES WAS ALMOST {$300.00}. I DISPUTED THESE CHARGES VEHEMENTLY BUT THEY WOULD NOT REMOVE THEM AND DID NOT PERFORM ANY TYPE OF INVESTIGATION. I CANCELED MY SERVICE AND I DO N'T KNOW HOW OR WHY THEY ARE REPORTING THIS AMOUNT AS MY DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My escrow amount was amortized over 60 months. Suddenly, Capital One decided to shorten the amortized period to 48 months. This has caused extreme financial hardship for me. Today, after numerous attempts, I spoke with one of Capital One representatives, XXXX ( ID number XXXX ) who told me there is no supervisor or Customer Advocacy Team member to speak with me regarding my complaint that my escrow payment was increased. 
Furthermore, the correct escrow amount is {$28000.00} NOT {$33000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been going back and forth corresponding with this company since XXXX/2017 in regards to a account with XXXX XXXX XXXX they state that I owe. I have explained to this company on multiple occasions that this account does not belong to me. I have requested that they legally and properly validate this account. I have requested that they provide me with a contract or documentation bearing my signature, they have not. I have asked them to provide me the information on how this account was open if by email or in person and could they provide me with this information, they have not! I have asked them to provide me a chain of custody, they have not! I have asked them to provide me with a complete billing record as the balance they are stating I owe has a previous balance of {$430.00}, they have not! They are stating that payment of {$75.00} was made on my behalf I asked them to provide me with how, who, when, and what method this payment was made and again they have not! This company is being grossly negligence in providing the requested information by law. If this matter is not resolved and I take this to court all of the information I am requesting has to be legally provided. If I have to file a lawsuit I will seek monetary damages to the maximum extent allowable by law. This account is causing harm to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hunter Warfield reported a debt on XXXX/XXXX/XXXX and reported the same debt again on XXXX/XXXX/XXXX to extend the statute of limitations, this is not a new debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: cant give me information ... chargered me XXXX, cant cxl subscription. my credit score dropped 65 points in one shot and no one can tell me why ... Its a joke

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 01-03-2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX Bank of America represented to me through the single point of contact that mortgage assistance and mortgage modification has been denied on appeal. On XXXX XXXX, XXXX the Appeals Department granted mortgage modification assistance through a mortgage modification program. On XXXX XXXX, XXXX the single point of contact represented to me - again, mortgage assistance and mortgage modification has been denied on appeal. The single the single point of contact continued to make this representation to me multiple times since then and to date. Additionally, I have never been provided any written determination on appeal by an Appeals Specialist of the Appals Department. Just to be clear, the single point of contact does not make determinations on appeal. 

Bank of America has intentionally, negligently, and fraudulently made material misrepresentations related to a mortgage or Deed of Trust as well as lie by omission ( withholding ) of material facts as to the true status of a mortgage or Deed of Trust and the loss mitigation process. 

An assessor 's parcel number, or APN, is a number assigned to parcels of real property by the tax assessor of a particular jurisdiction for purposes of identification, record-keeping, and ownership. To date, Bank of America has not associated and recorded any real estate document with my private property and home. 

After a new review of Bank of America issued documents, it appears that upon confirmation of receipt of both of my requests for mortgage assistance ( RMAs ) of XXXX XXXX and XXXX XXXX, Bank of America has done everything to separate me from my home rather than actually offer mortgage assistance as required and in accordance with the agreed upon court ordered terms of the National Mortgage Settlement ( NMS ). Bank of America continues to correct errors made known to them during the loss mitigation process. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory. 

I did not default on Bank of America XXXX Bank of America defaulted on me!

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 03-10-2017 about Mortgage (Conventional fixed mortgage) with Five Lakes Agency (WA).
Issue: Loan modification,collection,foreclosure

Complaint: We are working a short sale on this property. The 2nd lien with Five Lakes is not being cooperative. They are stating they wo n't move forward with the approval letter that we have from the 1st lien holder for a few reasons. 1st : They do n't think the file should be approved for HAFA because the HAFA program ended XX/XX/2016. But that means that the short sale just needed to be started by then, not approved by then. I have explained this to them and they wo n't listen. They do n't like the fact that the approval letter from the 1st lien does not state it is HAFA on it. But this is because the approval letter they are looking at is an extension to the orginal approval letter from the 1st lien. It does not have all the details on it and is just an extension. They wo n't merge the XXXX approvals together to get a valid approval. I ca n't make the 1st lien alter their approval template to say what Five Lakes wants it to say, just because they ca n't think out of the box. Five Lakes wants XXXX, the 1st lien, to issue an ARASS form before moving forward. The ARASS is not applicable and Five Lakes wo n't listen. They state that if the ARASS is not submitted, even though it is not needed, they wo n't move forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Trouble during payment process

Complaint: Wells Fargo Home Mortgage failed to send me a notice that my payment was due like they usually do and then charged me a late charge. 

On information and belief, they often fail to send the payment due notices in order to make additional fees on rush payment charges and late fees. 

Worse, XXXX different employees at Wells Fargo Home Mortgage told me they WOULD remove the late charge, but then on XXXX XXXX, XXXX they sent a letter saying they would not remove the late charge. 

This delay, obfuscation, and attempt to mislead a consumer was apparently done to confuse and make consumers lose their documentation regarding the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion refuses to update the status of all the accounts that were a part of my CH XXXX bankruptcy that was discharged 15 months ago, XXXX 2015!!!! The accounts are still reporting Late and on Payment Plan. This information is false. Compare to XXXX. XXXX updated alll my information in a timely manner and responded correctly to all of ny disputes.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax database was breached this week ( week of XXXX XXXX, 2017 with the media reporting of the breach onXX/XX/XXXX ). I am concerned about my credit as this breach indicates a higher probability of identity theft. I used the Equifax website https : //www.equifaxsecurity2017.com/potential-impact/ and inputted all the necessary information to be informed that " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I have declined to enroll in the " TrustedID Premier '' program being offered through Exquifax as I do not trust their program after this breach and, from my understanding, I will be relinquishing some legal rights by enrolling. I have not noticed any unusual activity on my credit reports, have enabled fraud alert through the 3 credit bureaus, and am now contacting CFPB to investigate this matter as I and 143 million other Americans are now in financial risk due to no fault of our own.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SECURITY FINANCE CORP (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: After I got approved for an unsecured personal loan of less than {$400.00} I lost my job. I notified the finance company and was told that it was be put as noted on my account. However a week later I start recieving numerous of calls with attempt to collect a debt. After about 3 calls I was told that my account was sent to the credit agency. Shortly after that the finance agent was knocking on my door. They come to my home several times a week and bang on my door even after I 've asked them to go away.

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 10/25/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I received my XXXX 2016 statement from Seterus showing A total amount due of {$3300.00}, showing a past due amount of {$1600.00}. I immediately called Seterus on XXXX/XXXX/16 and talked with XXXX XXXX. She told me everything was OK. I asked why was it showing I owed for last month when the check was received by them and paid to Seterus on XXXX/XXXX/16. She stated that the payment is due on the XXXX of each month. However, it will not be reported to the Credit Bureau unless after the XXXX of the month. I indicated to her that this does not made any good sense and asked her if this is going to happen every month showing no payment received and why were their system changing to show no payment had been made. I noted that nothing had been applied to the Principal, Interest nor Escrow and the Outstanding Principal Balance remained the same as the XX/XX/XXXX statement of {$180000.00}. I assumed it would be corrected on the XX/XX/XXXX Statement. However, when I received my XX/XX/XXXX Statement, it showed, again, that I was past due for the previous month. The Principal, Interest and Escrow is incorrect because nothing was credited for XX/XX/XXXX as well as the outstanding Principal Balance. There are serious errors with these statements and I want the proper credit for the month of XX/XX/XXXX because nothing was credited as well as stop showing that I am a month behind on every statement because this is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Vehicle loan or lease (Loan) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: When I went to purchase a used car at XXXX XXXX in XXXX, New York, without consent they ran XXXX hard inquiries on my credit, effectively lowering by XXXX points. The banks that show hard inquiries on my report are XXXX, XXXX XXXX, XXXX XXXX and XXXX others. This happened in XXXX XXXX. I contacted the banks and they refused to remove the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: When i had started XXXX for my XXXX degree XXXX in 2013, XXXX had told me i owed them money and in order to start classes i had to pay XXXX so i was told i can apply for a loan through Genesis Lending i was told i would not have to pay any loans from Genesis until i XXXX a couple of months later i started to get calls from Genesis on regarding paying my loans and told me i was given false information on paying the loans off. After the first loan XXXX had told me i owed them more money and the first loan was accidentally taken for only {$1700.00} and i owed XXXX over {$2500.00}. XXXX had taken out another loan through Genesis so i can continue my classes and i was told if i do n't pull a XXXX loan i will dropped from my classes. i was given false information about paying the loans and i was given false information on how much the loan amount was.

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 11-02-2017 about Debt collection (Federal student loan debt) with United Student Aid (USA) Funds (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: a company by the name of XXXX XXXX XXXX XXXX send a debt collection letter to my job stating that I owe {$60000.00} in student loans and the social security number they have on this letter as well as the address are wrong and I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, the SS # they have on this letter is not mines either XXXX. My name is XXXX XXXX but again this is not my debt I have never lived in XXXX and I do not have this social security number I called the company at XXXX XXXX but the refuse to hear me out stating that I need to have my employer call them and my employer did n't give me the letter the letter was mailed to me at my job. This is not right and I want them to get this corrected immediately. I would appreciate you assisting me with this complaint. thanks. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (AZ).
Issue: Managing the loan or lease

Complaint: In XXXX I needed money to help getting to a job interview in XXXX, XXXX from XXXX XXXX. I had received a flyer in the mail from Big Picture Loans a couple weeks earlier. I took out a {$600.00} loan with a fee of {$210.00} for a total of {$810.00}. I have made {$630.00} in payments thinking that I only had one payment of {$210.00} left. I called today to see what my balance was and found out that it is still {$810.00}. I was never told that I would be paying {$210.00} in interest each month. I was led to believe that my payments were going to pay off the loan in 4 months. WHAT A SCAM

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have submitted XXXX disputes with TransUnion over the past several months. I have not received a single response from them via US Mail with the results of their investigations. I also have not seen any changes on my credit report based on the credit report that has been provided to me by my credit monitoring service.

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (PA).
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: On XX/XX/XXXX I have contacted all 3 credit companies and the XXXX XXXX XXXX about getting my student loans either completely off my credit report or partially off it. Reason being is because 2 are pass the statue of limitations. XX/XX/XXXX-XX/XX/XXXX. They said that they will fall off in 10years. Ive asked them why 10years when its suppose to be 7years for it to stay on your credit report. Because its still on my credit report I simply can not get a house loan. All Im trying to do is move into a house with my kids and no one will assist in removing my student loans. I understand that I still will owe on the debt that I dont have a problem with but I cant not acquire credit with the student loans being on my credit report. The credit companies tell me they cant dispute them off and the student loan company says the same thing. No luck getting any assistance with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Consumer Loan (Title loan) with KEYCORP (FL).
Issue: Can't contact lender

Complaint: I had filed a complaint against Key Bank XXXX XXXX Ohio. I sent it to The Federal reserve. They said to contact this branch. We have a boat we are trying to sell, We had a deposit on it in XXXX, we tried numerous times to contact them. We where behind XXXX or two months on payments, they would call us, but trying to get to someone who knew what was suppose to be done is clueless. The sale fell through, the buyer did n't want to wait any longer. We had it sold for {$28000.00}. Well now we have someone else gave the broker a deposit, he offered XXXX. Again with this bank, the buyer wants to get a title they say it takes XXXX90 days for the funds to clear. We are near losing this sale. We have lost our farm and instead of having the bank take the boat back we are trying to make payments. Well now that we filed a complaint against the bank a women who 's name is XXXX, said she would not talk to us, whatever they are going to do will be in writing. Is this ridiculous or what, this is why this country is in the shape it is in. So what do we do now, the bank, will not talk to us, the buyer wants to buy the boat. I have never in my life dealt with a stupid bank, none of the departments knows what the other is doing. What so I guess we wait and loose another sale. All the buyer wants is a bill of sale. In XXXX or 10 days. I thought this would be done, but since I contacted this agency and XXXX they will not talk to us. I want someone to know we are not wealthy but just would like someone in that bank make it right. So now we wait till a different department sends us a letter and we have no idea how long that will take. The bank did ok a short sale on this boat, but as I said it took the lose of XXXX sale and maybe the loss of another.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IL).
Issue: Making/receiving payments, sending money

Complaint: I have a USAA checking account. I recently made some bill payments which caused my account to be overdrawn but the overdraft should have been covered by my linked USAA credit card. At the time the payments were presented, there was a {$22000.00} CREDIT balance in my credit card account, i.e., USAA owed ME {$22000.00} in addition to the {$9000.00} credit limit available on the credit card account. Despite this, XXXX payments were returned and I was charged returned payment fees totaling over {$100.00} by both USAA and the recipient of the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief