milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FREEDOM MORTGAGE COMPANY (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We refinanced our existing loan and closed on the loan on XX/XX/XXXX. We were told that as long as the refinance was completed before the due date of our old loan ( XX/XX/XXXX ) that it would not report late. The refinance closed on XX/XX/XXXX as planned and the company ( XXXX XXXX ) that held our old mortgage received the paperwork by XX/XX/XXXX. However, they then proceeded to put a 30 day late payment on our ( me and my husband 's credit reports ). They have been so completely rude to us during this process as well. Almost as if they are putting the late payment on our reports because they are upset that we did n't refinance with them or keep the loan with them. Regardless, their reporting is illegal and inaccurate and they refuse to fix the issue. They even put a late payment on our report for XX/XX/XXXX so we have 2 30 day late payments on our reports even though we were refinanced by XX/XX/XXXX. We have a late pay for XX/XX/XXXX and XX/XX/XXXX on our report. It has been a horrible experience and i would hope that no one else has to go thru anything like this. We have already tried working with the mortgage company and correcting the reporting with the credit bureaus but been unable to fix the issue. Please help us any way you can.

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 02/28/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: A {$120.00} legal fee was charged because a levy was placed on my account. Contacted the source ( state of Mass ), I was told that inaccurate information caused state income tax fees and a levy was placed. Paid the amount the same day and contacted BofA who said the hold will come off the next business day. Hold comes off but now I have a {$120.00} legal fee. Called BofA to discuss the fee, but after explaining that not knowing the money owed and surprised with a levy ( Ill be asking my tax guy some questions ) and paying, all they said was that its a legal fee to charge for placing a hold. Is this even ok.

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 07/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I recently disputed this account through the CFPB portal but I have not had a response from the collection agent or creditor. 
Case number : XXXX The details were as follows ; I have come across an item on my credit report that does not belong to me. An account was opened fraudulently without any acknowledgement ; This account was not opened with my authorization and I am unaware of the details of this account ; the balance reported or am I responsible for any debts occurred on this account. 

Please provide me with a copy of the application for service agreement verifying my authorization of the account in question through the CFPB portal for my receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (AE).
Issue: Managing the loan or lease

Complaint: While XXXX in XXXX I found out that my car loan was sent to debt collection for late payments over 90 days. The vehicle was paid every month. The company states no payment for the last year and charged off as bed debt. Purchased in XXXX XXXX XXXX in XXXX of 2012 through XXXX XXXX XXXX in XXXX, OK. Paid as agreed every two weeks. Amount was automatically paid out of our bank account with no issues. I was notified by TD auto Finance after calling in to add money to the principal that the account ( # XXXX ) was not paid for a year and has been charged off as bad debt. I have proof that the money was being taken from the bank account, and am a loss as to what happened to a years worth of payments. I have received nothing in the mail to inform us of late payment or that the vehicle was charged off until requesting more information on my end. After asking to speak to a supervisor I was sent to voice mail box for the manager of XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. My banking accounts have been garnished 4 times on an account that was closed on XX/XX/XXXX and has exceeded the statue of limitations for the state of Colorado. I have made no payments to this debt collection agency willingly and they persist to collect on this outdated account. I would be glad to set up an arrangement directly with BOA, but wish to have all communication and debt collecting to cease from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KY. XXXX. Ph # 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 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX   XXXX  SS #  XXXX  dob  XXXX / XXXX /  XXXX    XXXX   XXXX    XXXX    XXXX  VA  XXXX  Transunion,  XXXX  and  XXXX  will not correct my  XXXX   XXXX   XXXX    account The credit limit is not correct and the balance is not correct the Credit limit is {$10000.00} and balance is  XXXX  see attached docs please update and correct my credit limit to {$10000.00} and my balance to  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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Problem with fraud alerts or security freezes

Complaint: Trying to do a credit freeze on all the credit reporting agencies due to the XXXX fiasco. Am being told there is a {$5.00} charge to freeze/unfreeze an account in Arizona at all three agencies. This is outrageous. Have already contacted the Arizona Governor, the Attorney General, and all my legislators about having this regulation for fees rescinded. Three legislators have called me back and I am being told they will not be able to introduce any bills till after the new state session starts in XXXX. 

Citizens should not have to pay any fees for this freeze service. The credit agencies make enough money already and do n't need to subject us to more payments while we try to mitigate this disaster.

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 08-12-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I had a client who received a trial loan modification. She signed the paperwork in XXXX and was advised the XXXX payment would be due on XXXX XXXX, 2015. ( XXXX ) This agreement did not advise her not to pay the XXXX payment, so she made her regular XXXX payment since the trial agreement said it did n't start till XXXX XXXX. XXXX XXXX never received a phone call or letter advising her since she made the XXXX payment she broke the agreement and she would have to start the process all over again. There are no notes to myself either in the Hope Loan Portal regarding this situation. XXXX XXXX had already made the XXXX payment prior to signing the trial mod that had to be sent back to Chase before the XXXX XXXX deadline. XXXX XXXX notified me on XXXX XXXX that she had received a trial loan modification paperwork ; however, XXXX XXXX again had already mailed her XXXX payment since it was due on XXXX XXXX. So there was no way she could have not had the payment go to Chase. How can this be justified as breaking the trial mod agreement if it did n't even start till XXXX XXXX, 2015. There is a note in HLP stating that she had been approved for FHA Hamp on XXXX XXXX ; however, she did not receive the paperwork until XXXX XXXX, and again she had already mailed out her XXXX Payment ...

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Application, originator, mortgage broker

Complaint: I have been trying to work with Bank of America to refinance a mortgage. I have never missed a payment and have been a customer of the bank for over 30 yrs. They are currently charging 8.79 % interest on the loan and even with my good history refuse to refinance at a lower rate. I feel that I have been victimized by these people for at least 3 yrs. There has to be something that can be done.

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 01/30/2017 about Mortgage (VA mortgage) with LAKEVIEW LOAN SERVICING, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a loan with XXXX and i received a letter in the mail today stating that my loan will be transferred to a new company named LakeView Loan Care, LLC. I am under the impression that i am required to have at least 30 days of notification of said transfer. In addition i was notified that my due date was changed to 15 days sooner. Should I contact an attorney??

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 07/16/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: As far back as XXXX 2012 I have experienced identity theft. My previous dispute was initiated because of this fraudulently opened account. I wrote to the credit bureau about the collection agent and disputed the debt reported by XXXX XXXX XXXX and the creditor XXXX I and have had no response from XXXX ; Experian ; XXXX or have I received any assistance in clearing this inaccurate information from my credit files. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.

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 06-09-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: There were  XXXX  unauthorized atm withdrawals in  XXXX  :  XXXX   XXXX  - {$400.00},  XXXX   XXXX  {$100.00},  XXXX   XXXX  {$200.00}, for a total of {$700.00}. The withdrawals were not in the city in which I reside nor did I authorize the withdrawals. I was at work the days of the withdrawals. Once I noticed my account was low, I looked through my statements to see what was going on, and that was when I called to report the theft.   XXXX  I filed a complaint with the bank, at which point they put the money into my account. Upon reviewing my account today -  XXXX / XXXX / 17 , the bank reversed the decision to refund my account, withdrawing {$400.00} and {$200.00}, with the {$100.00} claim still under review.   XXXX  Today,  XXXX / XXXX / 17 , I filed a complaint with the  XXXX  Police Department for identity theft. I did so because the bank told me that they could not provide the information of their investigation in which they determined I was liable for the money, nor could they provide the video from the ATM. They stated that I must subpoena the information, which can be done by the police.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not secure my sensitive information correctly. 

They have now put me at high risk for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (I do not know) with HEARTLAND PAYMENT SYSTEMS INC (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My XXXX year old daughter considered attending XXXX university in XXXX Ma last XX/XX/2017, She registered for several classes but decided to return to her former college instead, She never attended any classes and there was not a single class paid for nor a deposit Made Any other college would not honor registration without payment. 
This college is using predatory tactics to extort money from my daughter with out Any class attendance or exchange of services ... 
There were no services rendered ....,!!, My daughter is now receiving collection notices for classes that were never attended In the amount of XXXX. From XXXX XXXX XXXX XXXX  ... out of XXXX pa This is extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Debt collection (I do not know) with Conn's, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: My bank XXXX XXXX has fail to give me proper notice that they were offsetting out account .This was for a claim that they said that vendor never gave back to the bank back in XXXX and this claim was closed with approval letting that I was sent. The vendor told me they have given the money back. The bank gave me a letter in the mail the day of taken away fund. No proper notice was given to comply. I did n't receive the letter until the day of fund being recalled. They have now caused us a financial hardship. I have spoke with several reps in the company and they have slander and taken away more money that my bills are needing for living. I have XXXX children and me and my husband we are now facing a financial hardship. They have reluctantly stop me from recovery of fund and have slander many of time. This is not a place that we trust. Were in process of transferring banks.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My loan was held by Navient I am a XXXX and have work in the field for 19 years. over this time I have attempted to access federal loan forgiveness and I feel I was miss led and not given the opportunities that i should have. I have made several attempts specifically asking for Loan forgiveness under the XXXX field and time and again i was sent other paperwork or told that what I was asking about did not exist. I was encouraged to put my loans on forbearance and i feel I have paid undue interest due to the Guidance of Navient. I have since moved my loans out of Navient to attempt to save money and get correct repayment structure

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have hard inquiries for a car in XXXX 2014 I should not have any inquiries concerning a car in late 2014. I purchased a car in XXXX 2014. I am not sure where they came from and previously sent to XXXX & Experian to have those hard inquiries removed with no success.

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 08/31/2015 about Mortgage (Other mortgage) with Consumer Real Estate Finance Co. (FL).
Issue: Application, originator, mortgage broker

Complaint: I am writing to let you know how extremely dissatisfied I am with Consumer Real Estate Finance Co. We applied for a loan with XXXX XXXX XXXX your XXXX XXXX, FL location and was told we were pre-approved for the loan. My wife and I placed a house under contract and paid a {$1000.00} binder on the property. Our agent called XXXX when we wrote the offer to confirm the time it would take so we could set realistic closing expectations with the seller. We paid an inspection fee of {$250.00}, a WDO fee of {$140.00}, an appraisal fee of {$450.00}, and a credit report fee for a total over {$1800.00}. We were told several times that we were approved and just collecting underwriter conditions. Then we were told that we are not approved by XXXX XXXX. He told us we should go FHA. They had our bank statements and knew we did not have {$7200.00} and had to go with USDA XXXX % financing. Then we were told we would be approved again because XXXX and his Manager, XXXX would make an exception with the underwriter. Then we were told they could not approve us again. All of this pushed us past the time for us to cancel the contract and receive refund of our {$1000.00} binder. Additionally, XXXX was sharing personal and misleading information directly to the processor for the listing agent team, not my agent. Because of the false information provided by your company, the on and off of the approval ( a formal decision was not issued until well after XXXX days ) and the eventual denial, I am requesting a full reimbursement of my expenses totaling {$1800.00}. 

Furthermore, I feel that filing a complaint through XXXX, HUD and the CFPB against CREFCO and individual XXXX complaints for what I firmly believe to be an Equal Credit Opportunity Act violation of Regulation B, 1002.9 and other possible sections of the law for unfair or misleading lending practices against my wife and me in the process of trying to get a loan for the purchase of a home for our family of XXXX will hopefully open their eyes to the financial harm you are causing our family and others. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (ID).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Upon receiving   XXXX   credit denial letters from Exeter, I was concerned since I had not applied for credit and I checked my credit monitoring service to find I had an inquiry with this company which was labeled for " auto loan ''. I did not ask for an auto loan or give this company authorization to pull and check my consumer credit report either time. I found that someone had used my personal information on the internet to apply for loans online. Upon notifying this company in writing with a certified letter which was received by their company on  X/XX/2017   . They responded to my letter stating that they received an electronic application from  XXXX   XXXX  and  XXXX   XXXX   XXXX   XXXX , and despite me not applying for credit with this company, and Exeter not providing any evidence or documentation that I did in fact provide an authorization to have my consumer report pulled they are refusing to remove the inquiries dated  XXXX   XXXX  and  XXXX   XXXX    XXXX  .     I have sent a second letter and demand in hopes they will honor the rights and protections afforded to the public under the Fair Credit Reporting Act as well as the  Federal Laws . I have asked that this unauthorized inquiry be removed immediately. I have not authorized this company or any third party to pull, view or use my credit consumer report, therefore it was obtained without permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Navient acquired my loan under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Payday loan, title loan, or personal loan (Installment loan) with HSBC NORTH AMERICA HOLDINGS INC. (KS).
Issue: Problem with the payoff process at the end of the loan

Complaint: > I purchased a XXXX XXXX from a private party on XX/XX/XXXX > I have a Bill of Sale and the Title of the Jetski which was transferred to me. 
> The original owner purchased the jet ski XX/XX/XXXX and it was financed by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. 
> The title lists XXXX XXXX XXXX XXXX XXXX  as the Lien Holder.

> As the new owner, I'm required to register and title the Jetski in my name in the State of Missouri where the Jetski is currently titled.

> The original owner never received any documentation from XXXX XXXX XXXX XXXX XXXX stating his loan was paid off and now XXXX XXXX XXXX XXXX XXXX  is no longer in business.

> I contacted XXXX and learned that XXXX XXXX XXXX XXXX XXXX was acquired by XXXX XXXXXXXX XXXX, XXXX IL in XXXX. 
> I've tried to contact XXXX XXXXXXXX XXXX to gain a Lien Release document on the Jetski per the title. But when I call the phone number or try and contact them it goes no where.

> Additionally, I see a lot of very similar complaints on the web of this very same problem.

> I've attached the Title and Bill of Sale scanned Documents

Company response to consumer: Closed with explanation