milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Bank of america closed my two accounts without any warning or anything. One has been open since XX/XX/XXXXand other since XX/XX/XXXX. They said it was closed due to they could not verify the authorized users. What if maybe i input their info wrong or a discrepancy on users end of the information. I have all their info such as license, social, bills etc to prove their identity and boa does not care. They pretty much said too bad your terms and conditions have expired. Yet let alone never ever have had a late payment or issues with them on these two accounts but they decide to close them without notice or communicating to fix the situation. I even told them to remove all the authorized users and i wo n't add any back and they said no. I 've been a boa customer for over 12 years but i guess that does n't matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I have also experienced Green Tree telling me there is no other option to pay than a {$12.00} fee through a separate entity. In the beginning I was pressured to use this service. I was told that if I mailed a check that it had to be received by the due date no matter when it was postmarked. I began to pay through my bank account transfer and if Greentree did n't receive it on time, I was charged a late fee. I also experienced calls to pay for a bill that was already paid. I called and was told it was in an " unapplied account '' sitting for no purpose. I feel they do that to collect more interest by not applying it to the principal which was what it should have went to or at least credited to the next months payment instead of being called about defaulting. How can I default when they actually have extra money but put it into an " unapplied account '' and then call me and say I 'm delinquent? I never heard of an unapplied account anywhere. If I did n't recall paying extra, green tree would n't have told me about the unapplied account because all they are interested in is making money for themselves, using the unapplied account to keep the interest they receive higher by not adding it to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Items do not belong to me. My Identity was stolen.

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 04-03-2015 about Mortgage (Conventional fixed mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I mortgaged a home in XXXX or XXXX 2015 with PrimeLending A PlainsCapital Company. When we signed the mortgage we understood that " ALL '' escrowitems would be paid for in our house payments. On XXXX/XXXX/15 I received a letter from Prime stating that I owed an additional {$2000.00}!!!! I called Prime ( XXXX ) and spoke with XXXX XXXX. XXXX told me that Plains did not make the payment high enough to cover all escrow items. 
This is preposterous, Prime was negligent in not reviewing my account in a timely manner! 
XXXX told me that at least XXXX item in escrow account was unknown to Prime until review. 
I believe that Prime needs to be punished for what they did and prevented from doing so again in the future. 

.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: To whom it may concern, On  XXXX   XXXX  , 2017 I submitted an application to Ocwen, for a loan modification. I emailed them three p  aycheck stubs as requested, however they said it was a problem with my year to date income. Ocwen relations manager (   XXXX   ) said my vacation pay stub had the same year to date total as my regular pay stub. I explained to them that my company (   XXXX   XXXX   XXXX   ) pay us two weeks in advan ce before our vacation and that would reflect the same year to date as my regular pay.  XXXX  stated that  XXXX   XXXX   XXXX  would have to submit in writing with their company logo on the letter head my date of hire, employee number, and year to date earnings. I explained to her that my employer could only send that information at a local level, meaning  XXXX   XXXX   XXXX   XXXX  will not send sensitive information to a third party. My center  manager  (  XXXX   XXXX   )  sent me a letter to forward to them with all of my information regarding my hiring date, year to date salary, and his contact information. Ocwen relations managers  ( underwriters ) said that was unacceptable and they could not move   forward with my modification request.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: For the last XXXX years of college I was ill advised to go with XXXX. I should have known a lending company was willing to allow a college student with several loans already. Every time I needed more money for tuition, books, or even rent for my apartment I was advised that I could get a loan. Then once I graduated I soon realized that I was way over my head in debt. I was paying at least {$600.00} a month after my 6 month deferment payments kicked in. After calling for years about my options of paying less, it was about XXXX to XXXX years later until I finally thought I caught a break with the lower interest program. I signed up over the phone and was told everything would be up in running, with automatic payments. Yet this didnt happen, I ended up finding out that after two months of nothing happening. Trying to work things out several times of calling XXXX but it was during the transition period to Navient. It ended up being almost XXXX months without paying. Which ended up turning even worse because they turned me into the credit bureau. As a result making my credit score drop almost XXXX points. I was advised by an email from a new company called Navient saying that they still needed a payment from me. I then tried to fix things with them and they could not take back and help me. It 's been an awful transition and working them has been terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have previously disputed this debt as not belonging to me. I do not go to XXXX hospital and was not seen for this debt. I previously disputed this debt with the credit bureau 's and it was removed but it was re-applied soon after. I have tried multiple times to contact Transworld Systems only to have them hang up on me. I am never able to reach someone to discuss this situation. I get transferred then the phone call disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filed a joint chapter XXXX bankruptcy on XXXX XXXX, 2017 with my spouse. That bankruptcy was discharged on XXXX XXXX of 2017. My credit report with Equifax is still not reporting any information on my bankruptcy. It is not even showing that I filed. But, it 's showing correctly on my husbands report. I contacted Equifax and was told they are just a credit monitoring agency and they do n't make any updates to the report. Since XXXX of this year, I have spoken to at least 8 different reps. Today ( XXXX XXXX ) after my husband viewed his report, it showed that XXXX XXXX was the vendor that was reporting this information to Equifax. I talked to XXXX with XXXX XXXX today ( XXXX XXXX ) at XXXX CT. She told me that they were the public record vendor for Equifax. She also told me that XXXX XXXX  is reporting MY bankruptcy information to Equifax, but Equifax is not obligated to report any information about my bankruptcy on my credit report. She directed me to call Equifax. So I called Equifax again today and spoke to XXXX at XXXX CT. XXXX told me it 's the courts responsiblity to report my bankruptcy information to the court. I confirmed with the bankruptcy court, they do n't report anything to credit bureaus, the bureaus have their own vendors where they get that information from. I asked XXXX if there was another department or someone who was more knowledgeable about the situation, he said everyone there would say the same thing and they have the same information that he has, so he could n't transfer me. I 've been trying to get this information updated for 2 months now. Now I know they have this information, but are just refusing to report my bankruptcy. Not only that, but they told me I could dispute all of my debts, but even if all of my creditors report my debt as discharged in bankruptcy, my credit report will never update to reflect the bankruptcy in the public records section of my report. I also want to mention that this bankruptcy is showing on my husbands credit reports. Since we filed jointly and only 1 notice goes out to the bureaus with both of our information on it. I know they received the proper notification.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a debt from First National collection that I am not aware of and it looks like fraud. I do not have XXXX and never opened an account. I have moved from the XXXX in XX/XX/XXXX and lived at a friend on XXXX in XXXX from XX/XX/XXXX to XX/XX/XXXX. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On Monday, XX/XX/XXXX I noticed there was a debit/hold on my checking account for {$1500.00}. I called Bank of America and spoke to XXXX and then XXXX from the claims department. He told me they did not know what it was for and could not tell me until the transaction was processed. On Tuesday, XX/XX/XXXX, the debit was processed and I called back at XXXXXXXX XXXX when they open and spoke to XXXX. She was more than happy to try and help me, but could not. She transferred me to XXXX in the fraud department who told me it was a debit from XXXX XXXX XXXX for a forged check that was missing endorsement. The check in question I deposited on XX/XX/XXXX was from XXXX XXXX XXXX XXXX XXXX for a claim they paid. The check was made out to my husband and the check was endorsed by same. Bank of America then told me there was nothing they could do even though they had no back up or paper trail for the debit from XXXX XXXX. I then called XXXX XXXX XXXX XXXX XXXX and spoke to XXXX at XXXX XXXX who told me they have no record whatsoever of the " forged check '' from XXXX XXXX. The claim # for my report to Bank of America is XXXX and the call reference # for my complaint to XXXX XXXX XXXX XXXX XXXX is XXXX. XXXX XXXX will not speak to me because I am not a customer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: I called the finance company after my vehicle was repossessed. They did not care that the tow company damaged my car. I explained that the agent hit the fence with the vehicle and that there was damage to the vehicle on the passenger side and they drug a hugs log under my car. The manager XXXX as he called himself talked over me, cut me off when I was talking. Granted I was upset because the issue was that the company they hired damaged my vehicle and the finance company did not care. But when I picked up my vehicle it was covered in dirt ( my car was clean before they took it ) so I could not see the scuff marks, scratches and chipped paint until I took it to get washed this is on the driver side door where he hit the fence. I had already filed a complaint with the tow company after they picked up the vehicle. I filed a complaint with the tow company after I had it washed to let them know of the damages and they have not responded. I let them know I will take my vehicle to the dealership to see if there is any damage underneath where the agent drug my vehicle of a log that he had to go under my car to remove. The issue was not about my vehicle being repossessed it was how it was done and damaged. I need my vehicle repaired.

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 04-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This company is reporting a negative account on my credit report as a result of identity theft. We don't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I tried resolving it through Transunion credit bureau on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Directly with the company on XX/XX/XXXX, and on XX/XX/XXXX, along with an affidavit, but I still have yet to get a response of a deletion from the credit reporting agencies.

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 04/27/2015 about Debt collection (Credit card) with States Recovery Systems, Inc. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 've already spoken to them XXXX on my cell phone, now they are calling repeatedly on my work phone which is a privately owned business. If they keep calling, I will be fired! I 've told him not to call anymore!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Went to rent an apartment and the company ran a credit report. On that report it showed that in    2014  I owed {$4000.00} plus dollars to a company called  XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX  MI. I have never lived in that area and during that time lost my identification and Social Security card. I believe this is a case of identity theft and need to resolve this issue in order to clean up my credit so I can rent an apartment in  XXXX   XXXX  MI.

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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There is an inquiry that is reporting on my Experian credit report from XXXX XXXX XXXX placed on XX/XX/XXXX2017. I do not recall applying for a XXXX XXXX XXXX and I did not authorize XXXX XXXX XXXX to obtain a copy of my credit report. I have asked Experian to place a block on the inquiry because it is fraudulent. They asked me for documents and I have sent them everything that they have requested. The inquiry is still remaining on my credit report and I do not know what to do. It is fraud.

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 02-12-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MD).
Issue: Account opening, closing, or management

Complaint: I opened up an account over the phone with TD Bank. The person I spoke to said that I can take care of everything over the phone. She said in order for that count to be activated I need to deposit money. I decided that I did not want to use TD Bank and call to cancel the account they said they can not verify who I am over the phone as the account was never activated. They said that if I keep the account that says I will be getting charged fees for not having the minimum balance but they would still not be able to close the account for me over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed a judgement on my Transunion credit report for a judgement for XXXX XXXX. I provided them with a copy of the judgement that shows the judgement was rendered on another person 's name, not mine. Despite the fact that i provided proof that my name was not on the account, Transunion still replied and stated that the account was mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Consumer Loan (Vehicle loan) with LOBEL FINANCIAL CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: I had my car repossessed by Lobel Financial on XXXX XXXX. They stated I was 45 days late in XXXX payment. I always pay my car note on or around the XXXX of each month even though my car note is due on the XXXX of each month. That brings me to be 15 days late each month. I was told they are tired of me paying each month late. And out of the 8 month I had my car which I got back in XXXX I have paid my car note late 6 times. I checked my credit report on XXXX XXXX, and my report state I paid every car note on time. I did make a payment XXXX XXXX. I was told that was for XXXX but on my credit report it was reported as on time for XXXX. I contacted Lobel a few days ago and they stated I missed a payment in XXXX and for me to find that receipt of payment and then they will review my case and see if I can get my car back. When I told the lady that it was positive reporting on my credit I was put on hold for her to tell management I guess. I know I paid XXXX and pay my car note every month. I was trying to pay no more then 30 days before it hit my credit so I can build credit and trade the car in. Also the terms of lease change and the amount I pay each month changed I paid for 8 months and my car loan never went down XXXX bit. I put down {$3000.00} on the car and the current balanceit is more money owed then when I first. My car financed was suppose to been {$7900.00} with {$3000.00} down. In Addition they financed my car with the wrong SSN I had to change it to the right number when they called me a few days after I got the car. Also they had stop completely sending me statements regarding my vehicle. I have XXXX statements and I will show how in two XXXX months XXXX payments where made and my payoff balance only went down by {$100.00}. I 'm very confused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Credit card () with Neuheisel Law Firm, P.C. (DE).
Issue: Other

Complaint: I filed a complaint against this company XX/XX/XXXX, consumerfinance is telling me that my complaint is run out of time. So I have filed another one on about XX/XX/XXXX. Now there telling me I ca n't file the same complaint. ( I want to know why ). I 'm just receiving this e-mail today XX/XX/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 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I used to be a XXXX customer. When my insurance was about to expire, I reached out to other companies for quotes. A few weeks prior to the end of insurance coverage, I purchased auto insurance from XXXX XXXX. A month later, XXXX XXXX canceled my insurance. The reason for the cancellation was due to a report from Lexis Nexis ' Clue Report. They reported that a claim was filed while I was a XXXX customer. The accident that was reported involved someone I have never heard of, in a town that I have never visited, in a car I have never owned. The policy numbers did not match. Lexis Nexis has not been cooperative in resolving this issue. XXXX states that they reported the policy numbers correctly and that XXXX XXXX has made the error. XXXX XXXX wants to take 30 days to straighten out their mistake. Meanwhile, I am without auto insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The credit card account was closed. Then I received a phone call from XXXX claiming that I made airline purchases using that account. I informed XXXX that there was fraud on that account because I did not make any of those purchases. They then had me fill out fraud forms which I returned to them. I was told by them that the issue would be resolved. A few years later I received a collections letter from Portfolio Recovery Associates stating that I owe {$1400.00} from the XXXX account. I explained to them that there was fraud on that account and that I did not owe them. Portfolio Recovery dismissed my statements and said I would have to pay that amount.

Company response to consumer: Closed with non-monetary relief