milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Loan servicing, payments, escrow account

Complaint: During the term of my Mortgage loan with Bank of America. I have paid from time to time " Principle '' payments along with my regular monthly payment in each case Bank of America has misapplied these funds. Upon discovery I wrote them with their online interface to advise BOA of the same. Their response was that they would apply first to outstanding interest IF payments were late then principle owing for that payment then if the payment was on time they would apply principle. I was on time with my payment in every case, I specifically designated the payment I had chosen for Principle. The next time I logged on the option to pay principle online was removed. I inquited in their online interface asa to why? BOA responded that they had " issues '' with accounting on this option in the past. The next log on I again applied my usual payment and designated Principle only to discover that it had been applied to INTERST. You need to be aware that BOA is not applying payments in accordance with their agreed upon contractual arrangements.

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 04-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX, GA XXXX Or TransUnion XXXX, PA XXXX Or XXXX XXXX XXXX, TX XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : Please removed this ADDRESS : XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX not my address fraud XXXX # XXXX XXXX {$180.00} XXXX charge off {$4800.00} XXXX # XXXX As required by FACTA and in support of my request, I am including a copy of my identity theft report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely, XXXX, SOC SEC # XXXX DOB XXXX XXXX XXXX, FL 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 07/27/2016 about Prepaid card (ID prepaid card) with AMERICAN EXPRESS COMPANY (MS).
Issue: Fraud or scam

Complaint: today is XXXX/XXXX/16 Dear cfpb, I have a cash only prepaid debit card with bluebird, handled by American express. I can only add funds to it by going to XXXX, with cash. An electronic transfer was made into this account by an online credit union on XXXX/XXXX/16 for XXXX cents. On XXXX/XXXX/16 another online transfer by the same credit union in the amount of {$2500.00} was made and then withdrawn 5 hours later. Later the credit union realized their mistake and asked bluebird to return the funds which were already withdrawn from my account. Bluebird refunded what funds were left in my account to the credit union, {$190.00}. All these transactions were done without my knowledge and I was not aware of this until I went to use my bluebird card and found out it was frozen. 
I 've called both the credit union and bluebird countless times with an unbelievable assortment of stories. I just want my {$190.00} back. Its a cash only prepaid debit card, this is a pretty much an open and shut case, but American express refuses to help. I gave the credit union the transaction numbers that were given me thru emails but they said those numbers do n't match ones they typically use and could not talk to me further about the matter.

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

Complaint: Equifax credit reporting agency negligently handled sensitive personal information, and further withheld details of the incident for an improper period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (HI).
Issue: Loan servicing, payments, escrow account

Complaint: I have submitted a previous complaint that was considered closed. I went through the procedure properly and even disputed the company response. It has been almost 4 months since our loan was closed with Quicken and a month ago I was notified by them, yes, that they had made another error. XXXX of many, this error had to do with our insurance impound account. First of all we were told while doing the loan that the amount of insurance needed to be increased to XXXX in coverage. I offered to contact our agent to discuss this. Quicken insisted they needed to contact our agent. Meantime we never heard anything additional while the loan was in process, neither from Quicken or our insurance rep. You would think this would have been something they would have discussed with us. Three months into the loan we were contacted by XXXX XXXX at Quicken, stating that they made an error and did not impound enough funds for our insurance. We have our primary dwelling and a XXXX XXXX stated that they only impounded enough for the main home. She also said that the primary needed to be insured for the amount of the loan. I insisted that this could not be possible. After much back and forth email and pleas on our behalf, we found out this is not correct. We are now and have been dealing with this for over a month. The smaller dwelling was finally reevaluated by our insurance rep. This loan was audited and reviewed multiple times and they continue to error. The amount of stress they have put into our lives had been non stop. I feel like we followed all proper procedures, they were told and did have appraised XXXX dwellings. I feel like a closer look should have been made into the dealings of Quicken. My brother is a XXXX and assured us in all his training, that what we were to do was report this to CFPB. I am more than shocked at this point, that Quicken can continue in this manner to wreak such havoc. Their responses to my issues were sugar coated at best and there most used phrase is " I am sorry ''. They do n't hesitate to repeat this several or more times in XXXX email. It 's beyond reprehensible. Please look into this further. And again prevent them from doing this to other people who are less knowledgeable about how the process works.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX financed through XXXX was traded through XXXX XX/XX/XXXX. Pay-off payment was sent late. Kept calling XXXX multiple times as to why. Almost two months later in XXXX, it was discovered the check was sent to a bank I was unaware of. However, every time XXXX called, I let them know the car was traded in ; they noted my account. I was held accountable for being late ; reported on my credit as being late. Account was closed and paid off. Disputed through Experian, nothing came of it except for " consumer disagrees '' statement. Contacted XXXX multiple times, stated XXXX needed to call to be responsible for delinquency. Nothing has been done after various forms of communication. XXXX was not helpful. XXXX has not been productive in correcting their mistake.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential I
mpact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XXXX Navient advised me about the Forgiveness Loan Program by phone when I called in inquiring about my student loan. I was sent the ECF form for my employer to confirm I was a XXXX XXXX employee. I completed & faxed back to the number indicated. From that point after speaking with Navient I was told once I make 5 years with my employer I will be placed on the Forgiveness Program for 10 years but until then I will be placed on the Forgiveness Program for 25 years. I called XX/XX/XXXX to inquiry about my the increase in payment on my account but then found out I'm on the 25 year plan indefinitely. Navient provided me with the number to XXXX XXXX to inquire why I'm on the 25 year forgiveness instead of the 10 year. XXXX XXXX advised my federal loans did not qualify as they needed to be converted to direct & I would have to start over making payments once they were re-consolidated. They stated I should have received a denial letter back in XX/XX/XXXX when I faxed the ECF. I never received any denial letter nor was I aware I had to deal with another servicing company outside of Navient. I was never made aware I could have been on the forgiveness plan back in XX/XX/XXXX which means I will have completed my payment plan once consolidated. I was not made aware of the necessary things in order to pay of my student loans until XX/XX/XXXX nearly 11 years after the forgiveness program. I should not be responsible for having to start my loan payments over at 0 after paying for over 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Account opening, closing, or management

Complaint: My wife and i went to Bank of America on Saturday durring regular business hours and they refused to close my accounts because i didnt have an appointment. There were tellers available and no reason for this to not be done aside from their desire to collect fees. The manager and teller were extremely rude about this. Managers name is XXXX XXXX and had an appalling attitude and disgusting service level.

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 05-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I am an existing customer  of Chase. I have received numerous solicitations to apply for several of Chase 's  co branded credit cards. On  XXXX   XXXX , I applied for a  XXXX   XXXX   XXXX  card via their website. My application was sent to pending status and later denied. Upon calling,  Chase in formed me that I was over the limit for number of cards within a  XXXX  year period. I asked to have the decision reviewed because I was being targeted with numerous offers on an almost weekly basis fo r Chase  products. An executive escalation was started and I received a follow up call on  XXXX  that their decision stood. I expressed my disappointment with their decision an d Chase offe red  XXXX  ultimate rewards points as a courtesy. He explained that marketing offers and approvals would not correlate despite the fact I was an existing customer. I requested to have the hard inquiry on my credit report removed and was denied. I informed that representative I spoke with that I intended to file a complaint with the CFPB and he responded that while that was my right, it could not change circumstances nor would my complaint have any bearing.     I believ e Chase has acted in b ad faith, soliciting applications for a product they knew they were never going to provide me and creating a negative impact to my  credit score. I have never been late on a payment with Chase  or any other creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/24/2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (NJ).
Issue: Trouble during payment process

Complaint: The short version as to what has transpired is as follows : After fighting with my insurance company for over two years I finally got them to pay for damages to my house in  XXXX . This came after having to get an attorney as well as an appraiser and ultimately a ruling from an official umpire. All of which I will have to pay ridiculous amounts of money to at my costs. Meanwhile while am fighting to get enough money to make proper repairs my mortgage company  (   XXXX   XXXX  ) with whom I am 41 months into a Chapter  XXXX  Bankruptcy sells my mortgag e to Selene Finance LLP.. The y were given partial repair monies from  XXXX   XXXX  as well as interest in  XXXX  of  XXXX  and the remainder of the repair funds from the insurance company around  XXXX  of  XXXX . The total is almost  XXXX  and all if not more will be needed to make repa irs. Selene Finance LLP is s tating that I must get a General Contractor to do all of the repairs even though my contract with  XXXX   XXXX  clearly states that I only need to use the money for repairs and that I am to receive these funds in draws with the mortgage co. performing inspection to validate the work gets completed before the money is given. I have repeatedly agreed to what the contract states which are identical to your regulations as well as th e State of  NJ, Unfortunately Selene continues to not follow the contract and will not let me perform the repairs myself and/or hire subcontractors even though I am a Construction Official for a large Municipality and have designed and built my own house previously as well as many remodeling projects over the years. There is no difference to them as long as all the work gets done, especially since all the work gets inspected by them before the funds are given and all the work gets inspected for code compliance by the city of  XXXX   XXXX . Meanwhile I can '' t get my house repaired nor can I resume collecting any rents ( which has made it extremely difficult to keep up with my current mortgage payments as well as my Chapter  XXXX  payments. I wonder if that is what they are trying to make happen so they can try and steal my house which I have owned for over 21 years. They have also refused to account for the whereabouts of these finds nor will they pay interest while they are illegally holding my money.  XXXX   XXXX  told me where my money was, that I could get my first draw whenever I decided and was paying me interest while they were holding it prior to the transfer of account  to Selene Finance LLP.  Only after Selene  Finance LLP  took over the loan did the problem begin. Please contact me if you have any questions and PLEASE HELP ME!!! I CA N'T AFFORD THESE DELAYS ANY LONGER!!! Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Consumer Loan (Installment loan) with BorrowersFirst, Inc. (LA).
Issue: Problems when you are unable to pay

Complaint: I 'm currently working with a Debt Resoultion company to pay this loan. However, Borrowers First has now obtained the phone numbers of my family members harassing them for payment. These phone numbers were not issued to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have inquirys on my credit report that were fruad, I am  XXXX  and   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   have stolen my identity and have commited fruad, She is being investigated for this please help me fix this, This have me  XXXX  out and my hippa has become worse because of the  XXXX , I need these removed .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 08-04-2017 about Student loan (Federal student loan servicing) with Law Offices of Robert A. Schuerger Co., LPA (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been receiving student aid to attend classes full time since the XXXX of 2012. There is an old XXXX loan that showed up on my account and has been included in the total of outstanding loans. A law firm has taken the loan and put it into default status which has put a hold on my student aid for this Fall semester. I am on the XXXX XXXX XXXX at XXXX XXXX University with a XXXX GPA. I have XXXX classes remaining to graduate. If I do n't get my student aid, I can not take my classes which I 'm registered for and ultimately wo n't be able to graduate. There is currently grant money sitting on my student financial aid which can not be released because of this. I 've contacted the original loan servicer which is XXXX XXXX University, they told me to contact the Ohio Attorney General 's office and they directed me to the law firm. The law firm is Law Offices of Robert A. Schuerger Co. , LPA, at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX. XXXX. They told me there was nothing they could do and that I had to repay the entire loan plus extra fees and interest. The total amount is impossible to pay and I explained that I 've been enrolled in school full time for 5 years. In addition to that, the loan shows up on my list of loans two times with one showing default and the other as deferred. This also increases the total of my outstanding debt. If this is n't resolved so I can graduate, I 'll have wasted 5 years and gone into deep debt with no hope of getting a better paying job which would also enable me to pay off all of my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 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: Credit inquiries on your report that you don't recognize

Complaint: I saw numerous inquiries on my report that were considered hard hits by companies I do not recognize. 


XXXX XXXX, 2016 by XXXX XXXX XXXX, 2106 by XXXX XXXX XXXX XXXX XXXX XXXX, 2016 by XXXX XXXX XXXX XXXX, 2016 by XXXX XXXX XXXX XXXX, 2016 by XXXX XXXX for credit cards and airlines

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Payday loan, title loan, or personal loan (Payday loan) with BlueChip Financial (MI).
Issue: Problem with the payoff process at the end of the loan

Complaint: In XX/XX/XXXX applied for pay loan from Spot Loan for {$600.00}, on XX/XX/XXXX tried to make arrangements to pay loan off completely to stop incurring more interest. I have made five payments, all the payments went to interest. On XX/XX/XXXX the principal amount of loan was {$570.00} but on XX/XX/XXXX I was told the buy out would be approximately {$630.00}. I ask for explanation the supervisor stated the loan incurs interest daily of 400 % and if make payment arrangements the loan still will incur interest. After speaking with company my online access to account was removed and stated unavailable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was provided a private loan through my school. I have been making full payments consistently since my deferment/forbearance period ended ( some time around 2013 ). Eight months ago, I began making higher than the full payment in order to pay down principal faster. I called at the time I began making payments to confirm that the additional payment would be applied to principal. Because the statements I receive by mail do not describe how my payments are applied ( it just states that a payment was received and how much that payment was ), I have just realized that I have been merely paying future interest off rather than paying off my principal. This is predatory lending in my opinion. 

I have called the XXXX, but have not received a response to date. I can only imagine how many of my colleagues are still being preyed on by this loan repayment program.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My account was closed on XXXX/XXXX/2012 due to suspected fraud activity in the amount of {$97.00}.
I was never notified of this and only discovered this information by accessing my XXXX XXXX report. When I have contacted the bank, they have no information on how I can resolve this issue.
Bank of America XXXX XXXX XXXX XXXX XXXX, MO 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 04/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Biehl & Biehl, Inc (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Biehl and Biehl Debt Collection agency calls me without allowing their phone number to show up on my caller I.D . After talking with me over the phone, I still received a letter telling me the same thing that was discussed over the phone.

Company response to consumer: Closed with explanation