milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/29/2016 about Mortgage (VA mortgage) with LoanCare, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was recently sold to Loancare-A XXXX XXXX Company. Loancare appears to be unwilling or unable to provide information on my escrow calculations. Loancare does not have a mechanism for customers to speak with decision makers. XXXX60 minute phone holds result only in a message being taken. Email and web contacts go weeks without answer. I simply want Loancare to show my escrow calculations as they do n't match tax and insurance expenses.

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 05/13/2015 about Credit card () with AMERICAN EXPRESS COMPANY (MN).
Issue: Other

Complaint: I was an authorized user of American Express business credit card as a business manager. AMEX informed all three credit bureaus as collection account treating it as a personal account on XX/XX/XXXX affecting my credit scores drastically. We have entered in to a contract to buy a house and this reporting is affected my ability to get a housing loan. This business card account was opened XX/XX/XXXX for business purpose and it has never shown up as a personal liability on my credit reports since than. I was taken by surprise to see it apear on my personal credit report suddenly. 
Requests to pay the outstanding amount by installment on XX/XX/XXXX with AMEX failed and representative advised that the account should be closed first and than the supervisor will call with in 24 to 48 hours to discuss the options. No one ever contacted me or left a voice mail. Upon seeing thison credit report I called AMEX and I was advised to contact XXXX. After contacting XXXX I entered in to an agreement of payment and I have paid {$4200.00} as XXXX of the XXXX installments on XX/XX/XXXX under duress as no other option was available and this is causing hardships.The outstanding balance is being paid to AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: My name is XXXX XXXX. I have never been married and never have legally changed my name. I was born on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I submitted an official dispute with XXXX XXXX for reasons including possible fraud/i.d theft. I also sent the management company a letter asking to provide me with any proof or information that would help delete the incorrect info on my credit profile. XXXX XXXX or company have yet to resolve or provide any info regarding this investigation.

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 02/18/2016 about Consumer Loan (Personal line of credit) with Conn's, Inc. (KS).
Issue: Shopping for a line of credit

Complaint: XX/XX/2014 I received a letter from the IRS stating that I owe the agency over {$6000.00}, I ask how, and the representative told my that I have not file my taxes with XXXX company I was working for since XX/XX/XXXX and I ask which company because I know I had never miss filling my taxes. The rep told me that I have been working with a company in XXXX, CT since XXXX. Folks, I have never heard of a City called XXXX and never been there, to cut story short, the representative I was taking with gave me the company name XXXX XXXX XXXX and ask me to XXXX their phone number and I did. 
I called the company and ask that I speak to the HR and told them what was going on, the HR person told me that am crazy and said that am in the garage as we speak working. I demand that she call police immediately and have him arrested she ask me to hold on moments latter a man 's voice on the line whom introduce himself as the manager, I ex [ lain every thing to him and he ask that I fax my government issued I.D to him to prove that I am who I said I am, i drove to the closest library and faxed more than he asked for and he called me XXXX min latter telling me THAT THE INDIVIDUAL WAS PRESENT WORKING AS WE SPEAK, I demand that he call the police and arrest him and he said that he could not do that, that all he could do is to ask him to leave the premises immediately. 
One week latter, I pulled my credit report and found out i WAS IN A MUCH DEEPER HOLE THAN THE IRS $ XXXX 
its been two years since this incident and am still fighting to clear my name. Upon investigation IRS CLEARED ME OF ALL CHARGES though am still owing tow states local TAXAS. Other companies has also deleted all charges including XXXX XXXX AND XXXX. 
*BUT XXXX CREDITOR AND XXXX CREDIT AGENCY REFUSED WHICH BROUGHT ME HERE TODAY. XXXX have refused to delete saying that only the original debt furnisher can ask them to delete. 
* The original debt Furnisher is CONN CREDIT CORP. I have called this company more than 30 times left messages send letters and have not received one response from them. PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have mailed privicay and Opt-Out Instructions for all my accounts Great Lakes XXXX XXXX is servicing to both the Department of Education with whom responded advising me to send notice to my loan server Great Lakes. 
Opt-Out Instructions for Account # XXXX Dear US Department of Education/Great Lakes XXXX XXXX : Following are my instructions with regard to your information sharing and Opt-Out policies : 1. You do not have my consent/permission to share my personally identifiable information with any nonaffiliated third party companies or individuals. I am asserting my rights under the Financial Services Modernization Act the ( Gramm-Leach-Bliley Act 15 U.S.C 1682 and 17 CFR 248.7 ) to opt-out of any sharing or sales of my personal information by your company. 

2. You do not have my consent/permission to share my personally identifiable information about my creditworthiness with any affiliate of your company. I am asserting my rights under the Fair Credit Reporting Act to opt-out of any sharing of this information by your company. 

3. I Request a copy of your company 's Privacy Policy and opt-out methods that states how you handle my personal information. Only what is " permitted by law. '' I wish to limit other uses of my personal information by your company and its affiliates. In particular : * You do not have my consent/permission to disclose any information about me, including transaction and experience information, to any of your affiliates. 

* You do not have my consent/permission to disclose any information about me in connection with direct marketing agreements between your company and another company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I have bank of america credit card. I applied for their checking account using the promotion. Provided all the information ( in fact i had the customer profile already been there due to my credit card ) and thus all the information was pulled in. 

But they refused to open my account without any specific reason. Similar set of events happened almost 1-2 years back. It seems Bank of America has flagged my social security number and they didn't provided any specific reason why did so at that time also. 

This is absolutely ridiculous. They are outsourcing the jobs and not letting the US Citizens to open the account - strictest action should be taken against these kind of corporations who recently got their corporate tax being cut down from 35 % to almost 20 %. Neither they are hiring american nor they are buying Americans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent a certified letter to XXXX, and Equifax disputing inaccurate information on my report. All XXXX agencies received the letters as I have copies of the return receipts from USPS. Equifax and XXXX have not responded to my dispute which was mailed on XXXX XXXX, 2016. It has now been 56 days since I sent the letters.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Credit card) with Forster, Garbus and Garbus (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: In XX/XX/XXXX, my bank account was frozen and funds taken for a debt that I knew nothing about. My bank provided me with information stating that Forster Garbus & Garbus had filed suit against me in XX/XX/XXXX. I called Forster Garbus and Garbus in XX/XX/XXXX and requested they send me all information regarding this case, as I had not been notified prior about any collection efforts. They sent this information dated XX/XX/XXXX, to my home and I reviewed it. I ascertained that the debt was valid, and since that time I have made repeated calls to the agency requesting to make payment arrangements for the debt, and for them to stop attacking my bank account and causing NUMEROUS overdraft fees to my account. I have received no answer from the agency, and my bank account was again hit on XX/XX/XXXX, causing financial hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Mortgage (Conventional home mortgage) with TD BANK US HOLDING COMPANY (PA).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX purchased XXXX XXXX in 2017.  Prior to XXXX XXXX XXXXXXXXs purchase, XXXX XXXX were serviced by XXXX XXXX XXXX and there was a dedicated website to see an actual amortization schedule and payments made to the mortgage on a monthly basis over differing periods (based on a drop down menu selection) which clearly stated the principal and interest breakdown of the payment, any additional principal paid and escrow etc..  In the months since the acquisition, TD Bank is woefully unprepared to service mortgage accounts, and at a very basic minimum does not  provide a simple breakdown of my monthly mortgage payment such as how much of my monthly payment was applied to principal and how much to interest.  They will not provide online statements unless you have opened a checking account. If you require a statement from a previous month, TD Bank requires you go to a branch to request.   This is simply unacceptable mortgage servicing.  There should be no excuse for not providing a customer a detailed allocation of their mortgage payment.   This is  basic mortgage service expectation.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit reporting () with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Wells Fargo Home Mortgage Acct # XXXX was paid off XXXX XXXX and currently says on my report ( XXXX & XXXX ) 120+ Days past due in the " Status '' line. This account has been paid in full even when it was in pre-foreclosure and I have disputed 4 times with Wells Fargo and contacted the office of the President at Wells Fargo.Both credit burrows have agreed with me that Wells Fargo is n't reporting the right information to them. The contact at Wells Fargo is XXXX XXXX XXXX ext XXXX.Also XXXX XXXX sent me a letter that the first date of delinquency was XXXX XXXX compared to what is reporting on my credit report XXXX XXXX. This letter should have this account purged due to the 7 year law also on top of the issue of the above complaint that is driving my credit score down.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I had been paying on my loan for over 3 years. No part of my payment had been applied to principal until 2 months ago when I called in requesting a deferment based off unemployment. 
Issue number 2. When I requested the income based repayment, my monthly income went from XXXX to approx. XXXX my payments actually increased. At this point I had to request a deferment as I could not make the payments I was instructed that payments would not be assessed however interest would continue to accrue

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: O n   XXXX   XXXX  , 2015 I  was approved for a auto loan through a subprime len der (   XXXX   XXXX   XXXX   ).  I excepted the terms and paid the {$20000.00} debt off a year later. On    XXXX   XXXX  , 2015 s omeone had my information a fraudulently got approved for another auto loan with  XXXX   XXXX   XXXX  out of California. I 've disputed this item of which I did not authorize with Eq uifax Information Services LLC  and  XXXX   XXXX . They have both refused to make corrections and delete this account. I 've filed a police report and did everything that both companies asked of me and it 's still on my credit. As a result my credit score is down  XXXX  points and I 've been denied a mortgage. I ask that further measure 's be taking and that this account is removed as well as my score to go back up to a  XXXX  score.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/2015, I went to a Bank of America ATM, located at XXXX XXXX XXXX, XXXX MA. When I went to the ATM, I deposited {$550.00} in cash and {$320.00} in checks. It processed the cash and " ate '' the checks - it took them into the machine and failed to acknowledge the action. It gave me no option to return the checks to me. 

I immediately called Bank of America and alerted them that the ATM had not confirmed my check deposit and was not following typical behavior. I was told that it was 'not a problem ' and that in 3 business days the checks would appear on my account. After 3 business days, I did not see the checks so I called Bank of America. 

They told me then, that they would investigate the issue and get back to me within '6 weeks. ' They temporarily gave me the missing {$320.00}. After 6 weeks, I was told that I was out of luck - that I had to have the checks reissued, and that there was nothing they could do. They then removed the {$320.00} from my account. I raised the issue again, as I feel this is unacceptable, and they took another 3 days to look further into the matter before restating that there was n't anything they could do. They could locate my transaction ( the deposited {$550.00} in cash during the same transaction ) but 'could not locate the checks. '

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have two issues on my report that are incorrect. 

Citicards XXXX Acct XXXX - this is not my account. I have tried to have this removed before. I do n't know who it belongs to but someone is obviously paying it. I just need it removed from my social security number. high limit {$30000.00} monthly payment {$110.00} Account Header Balance XXXX Derogatory Info - XXXX XXXX - I do not owe them anything and have never been late so this needs to be removed from the Derogatory section of my report. XXXX XXXX XXXX monthly payment 0 Header balance 0

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 06-07-2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (OK).
Issue: Loan servicing, payments, escrow account

Complaint: My husband is a XXXX veteran XXXX. We bought a home in Oklahoma In XXXX XXXX, At the time of closing we took our documents showing that we are tax exempt in the state of OKlahoma from property, Sales Tax, Excise, Etc : we had a letter from the VA stating the fact that we have been tax exempt since XXXX, The Title company said we had to wait to close then take the information XXXX which we live and get a form filed and is on file XXXX. We sent this information to the Mortgage Company that had the Mortgage at closing they refused to accept the documents saying that they did not have time the proper time to get the documents into there system. They sold the mortgage in XXXX XXXX to freedom Mtg. I sent the first payment minus the taxes. They refused to accept the tax forms that we legally have. They cashed the check but would not apply the amount to the account. Then I sent our payments every month on time they still will not accept the tax exempt status and have threated to forclose on our home. They finally applied XXXX payment resolved the tax issue for the month of XXXX lowered the payment for XXXX XXXX but still have not applied the payment to our account even though we paid more than what the payment was suppose to be. They said we have to make the XXXX Tax payment or they are going to take our home. Freedom Mortgage has all the paper work and document show we have been tax exempt in the state of Oklahoma since XXXX, They have reported that we have not made our payments on time to the credit bureaus. They sent us a letter saying that they removed this information but they keep adding it back to the credit report each month. I have tried talking to these representatives every month. everyday they have called to tell us we have not made our payments when we know the check has cleared the bank. They refuse to do anything about the issue. They said that we are in the wrong. Freedom Mortgage is causing a lot of stress in our life. They have three months of pre paid taxes and the taxes for the month of XXXX that we paid to the first Mortgage company. They want XXXX taxes or they are going to sieze our home. we keep getting late fees, inspection fees, and any other fees they deem they want to add. Please do something to stop this madness. IF we have to hire an attorney then tell us that is what we need to do.

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 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (VA).
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: Mi name is XXXX XXXX XXXX, My daughter, XXXX XXXX, was placed under legal guardianship under my care as of XX/XX/XXXX because XXXX is in a XXXX XXXX XXXX. I am responsible for all her affairs. Since the appointment, I tried to straighten out her financial affairs, including the XXXX XXXX credit card under discussion here. Several trips and several calls to the bank have been made. A copy of the legal papers were provided to the XXXX branch manager at the first visit in XX/XX/XXXX. In each of my attempts, no one will speak to me insisting they need to speak with XXXX, or that a Power Of Attorney be provided. I have repeatedly explained that XXXX became XXXX XXXX from an emergency, and a Power of Attorney will not be possible to obtain. In such cases Legal Guardianship that is awarded by the courts is the method by which authority is assigned to someone to act on behalf of another. All I need is a payoff balance, as I want to pay the account off, but since they wo n't speak to me, it is impossible. XXXX 's reputation has been harmed as she has been needlessly reported as delinquent. I feel XXXX XXXX has been negligent, causing me great stress as her mother because I believe in paying bills on time. I do n't understand the unwillingness of the bank to deal with me since I have the authority to act on her behalf. Please help me make the bank understand they must give the information necessary for me to pay the bill off. I also want very much to have her credit record adjusted so the delinquency is removed. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and someone opened a XXXX Bank checking account using my personal information and stolen identity. The XXXX Bank checking account # : XXXX and the following inquiries removed from my consumer report : XXXX XXXX and XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company refuses to send me documentation of the alleged debt. I have given them information over the phone to prove this debt is not mine

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 03/23/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: This property is within a Planned Unit Development and is a member of a homeowners association. The owner abandoned this property shortly after the bank filed a foreclosure complaint on XXXX/XXXX/2009. The house has been sitting vacant for over 5 years and has fallen into serious disrepair. The bank is not maintaining the property, and the association assessments are not being paid. The failure to pay the HOA assessments places an unfair financial burden on the other owners in the community because the association 's expenses must be paid regardless of the delinquency. The bank 's failure to maintain the property affects the values of the surrounding properties. Neighbors have reported seeing rodents go in and out of the house through a hole in the wall, causing health concerns. By delaying the foreclosure process the bank has allowed the value of the property to decline, has caused an unfair financial burden on the other owners, and has caused health and safety concerns for the neighbors.

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