milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/30/2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: On :  XXXX   XXXX ,  2017 , I submitte d two  requests to : Bank of America, on behalf of my Residen t Manager   XXXX   XXXX , to get proof that I have a Safe Deposit Box with Bank of America in the  XXXX   XXXX   XXXX   XXXX , in :  XXXX   XXXX , CA so with that proof I can get re-certified for being there at my Unit with :  XXXX . So far Bank of America, has not send any proofs to :  XXXX   XXXX  the Resident  Manager  at :  XXXX   XXXX  Apartments, in :  XXXX , CA to prove that I have a Safe Deposit Box with Bank of America in the  XXXX   XXXX   XXXX   XXXX , in :  XXXX   XXXX , CA so with that I can get re-certified for being there at my Unit as a Tenant of hers.

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 06/15/2017 about Mortgage (FHA mortgage) with Fay Servicing, LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: I tried on numerous occasions to try  to set up a forbearance account with Fay Servicing and I even tried to do a loan modification with Fay Servicing, but  I was consistently given the round around. Even on  XXXX   XXXX ,  XXXX , I submitted my application to them and I was consistently given the round around by the accou nt manager. Time after time, I emailed the account manager giving them the required documents e ven though I did that in my first application with them, but they wanted more and more documents that were even the required documents. They were delaying time because even time I sent them more and more information they said it took time to process. I had to constantly send in documents and I was on the phone many times and still did n't receive a positive outcome. I did n't even receive an outcome of whether I was going to receive a loan modification or a forbearance. I was hung out in limbo. I did n't even know that the account was switched to them because I had another loan servicing company by  XXXX   XXXX   XXXX  that I was working with from  XXXX   XXXX  to  XXXX   XXXX , but even with them there was no result. No w Fay Servicing  has me dealing with the Foreclosure program in  XXXX , NJ due to them not working with me. I have a feeling that the intention o f Fay Servicing was for them to not work with me and make an attempt for me to lose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have been the victim of identity theft and have made Transunion aware of this problem. Transunion has been very nasty and made remarks disrespectful to my race inquiring that my people always do this. They have hung up the phone on me numerous times. I have sent in prove of identity theft and asking for inquiries to be removed from my credit report that are unauthorized. They said consumers have a right to report information rather I authorized them or not. They make it hard for certain people to get information removed from their credit report. They removed the student loans due to the company admitting that they were indeed not my accounts and belonging to someone else with a similar name. They removed the accounts then added them back. I will be filing a lawsuit along with a group of people who also have the same issues. Transunion makes it harder for certain groups of people for reasons that are unlawful.

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 01/14/2016 about Mortgage (Other mortgage) with KEYCORP (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I filed a Ch. XXXX Bankruptcy in the XXXX XXXX of California on XXXX/XXXX/XXXX and after completing the plan was discharged on XXXX/XXXX/XXXX. The Trustee noted a property mortgaged by KEY BANK NATIONAL ASSOCIATION as " REJECT & RETURN '' and by Order of the Court ; the property was returned to KEY BANK and subsequently sold. 
XXXX reflects KEY BANK as a " Derogatory '' and as " Negative Account, Closed Account '' however it continues to report the status as " Included in Bankruptcy ''. Much of the " Details '' information is incorrect. It reports the Type of Loan as " Unsecured '' ; it was a real property mortgage secured by a Deed of Trust, the Date of First Delinquency as XXXX ( while I was in bankruptcy ), and I filed a Ch. XXXX bankruptcy not a Ch. XXXX. 
XXXX reflects KEY BANK as " Derogatory '' and as " Potentially Negative Closed ''. It reports " Payment Status Included in Bankruptcy '' and inaccurately reports under " Comments Bankruptcy Chapter XXXX ''. 
XXXX reflects KEY BANK as " Derogatory '' and as a " Negative Closed Account ''. It incorrectly reports the loan type as " Unsecured loan and Opened XXXX/XXXX/XXXX '' and shows negative payment histories for the months XXXX, XXXX and XXXX XXXX. 
I have disputed the incorrect information with XXXX, XXXX and XXXX on numerous occasions to no avail. On XXXX XXXX, XXXX, I mailed certified letters to XXXX KEY BANK addresses, the address listed with the Bankruptcy Court and the address listed by XXXX, XXXX and XXXX, respectively. I am seeking your assistance to resolve these inaccuracies and correct my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage is impossible to get on the phone. They send me letters and ask me to call my loan specialist. I call and ca n't get thru. They ask me if I want them to call me back after keeping me on hold for a long time. I give them my number. When they call, this line instantly goes dead. They post that their customer service hours are XXXX to XXXX Mon thur either Thursday or Friday ( they have listed both versions in different letters and on their website. But when I call after XXXX XXXX, I get a recording that they are closed for the day. But it 's XXXX XXXX ... they are supposed to be open for another XXXX hours. Unless the central time they are talking about is in XXXX. I am behind on my mortgage and struggling to keep up, but when I have money to send them, why do they make it so XXXX hard to call and make a payment on the phone?

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Debt collection (Other debt) with I.C. System, Inc. (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I recieved a letter from IC system, I got this letter months after it was sent Due to the fact that I'm in XXXX at a really remote location near the XXXX border in the XXXX region. It took the mail almost 3month to get to me. Once I recieved this letter I paid the bill ... this is the confirmation numberXXXX, ,now this has affected my credit score ..and I'm trying to rebuild my credit ... I settled with them for XXXXusd. I'm asking that they remove this hard inquiry off my credit history. 


XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ( XXXX ) XXXX I C SYSTEM INC XXXX XXXX XXXX XX/XX/XXXX {$530.00} {$530.00} XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) 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 02-03-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX unauthorized inquiries on my credit file. Made my score drop by XXXX points. I submitted a dispute with equifax and they sent back over the results stating that the inquires are factual. I never authorized the companies I disputed permission to pull my credit file. I had a preapproval and only wanted to use XXXX XXXX. I only needed proof of my income and proof of my residence to obtain the vehicle. Why would I go through the hassel of applying to other companies when I had spoken with a lender and had an approval. The dealership did not have my permission to submit no deals on my behalf to any of the companies listed in my inquiries. I explained to them what I wanted and asked if they could not abide by the approval, let me know and I would move on. Each XXXX told me that they could submit my approval with a car and give me the final structure. Then I would get all kinds of emails stating that I had new inquiries. I never signed a credit form and never gave permission to anyone. I am attaching a copy of my preapproval.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: XXXX  My third time calling requested to have my card limit closed. They refused said the only option is to lower my limit. Representative never got me to a supervisor after requesting multiple times to apes know to a supervisor. I will never use this card interest rate is too high I 'm a senior citizen and fear risk. Please have them close this credit limit. The representative told me several times my credit card is closed and my balance is  XXXX  but refused to close credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with United Accounts, Inc. (ND).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I write in reference to the credit Collector : United Accounts , Inc. 
XXXX XXXX ND XXXX I moved out of an apartment ( apt ) building on XX/XX/XXXX, without owing any money to the apt company ( XXXX ). My apartment was checked out by the then apt manager and according to him, everything was ok. 
I moved out before the end of my lease but I was granted permission from the then manager. He told me it was OK for me to move out and he found a tenant to take over my lease and I also gave him my 2 months notice as requested. After I moved out, the apt manager stopped working for the apt company and a new manager took over from him. Between the old and the new manager, there was no transition and no correct exchange of documents so the new manager billed me {$1700.00} because according to him, he was not briefed by the old manager that he was aware of me moving out and he gave me the permission to move out. 

After a year, I received a letter from the debt collector, United Accounts Inc ( UAI ). I immediately wrote back to them disputing the debt. I have submitted sufficient documents to prove that I did not violate the terms of agreement per my rent lease and I had permission from my apartment manager to move out of the apartment. I have submitted all documents to prove that the original debtor ( XXXX ) is wrongfully charging me but still, the debt collector ( UAI ) does not want to drop the charges due to the fact that they want a commission on the alleged debt because that is how they pay themselves. I even sent them ( UAI & XXXX ) 3 pages of text message exchanged between myself and the old manager during the time he gave me permission to move out of the apt . The text messages show all the conversations I had with the old manager including evidence showing that he received my 2 months notce, he giving me permission to move out of the apt and he saying he has found new tenants to take over my lease. The messages also show evidence of him checking me out of the apt . All these evidence is submitted to the credit collector to prove to them that I do not owe any money because I left legitimately without owing any money. However, the debt collector and the original debtor does not want to remove the debt account because I went online and gave them a bad review and so, this is their own way of " punishing '' me. They have reported the debt on my credit report and now, my credit score is messed up. I have always had an excellent credit score of XXXX but due to this debt account, my credit score is currently XXXX. I was in the process of securing a mortgage and because of this, I 've been denied and my credit cards limits have been reduced drastically.

Company response to consumer: Closed
Consumer complaint received 10/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MS).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I left the XXXX XXXX XXXX in XXXX of 2016 and joined the XXXX immediately thereafter. I could no longer afford to stay in college. I thought by joining the XXXX that my student loans went into a military deferment. My mailing address has never changed. I have never, ever, once received any written correspondence of any kind from FedLoan telling me my student loans payments were due, and had no idea that they were in default until my security clearance review. 

My credit file is being negatively impacted with past due amounts. 

Nor had I ever been advised of income driven repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Mortgage (Home equity loan or line of credit) with ONEMAIN FINANCIAL HOLDINGS, LLC. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint is against Springleaf Financial. The loan was acquired in XXXX of 2007. The loan amount was for XXXX dollars. With interest it totaled XXXX dollars. I 've paid about XXXX. I still owe XXXX. How is that possible? I paid XXXX a month until they told me to pay XXXX a month. When you look at the payment history, some months nothing went toward the premium. Some months maybe XXXX or XXXX dollars went toward the principal. They are a rip off. How can you pay XXXX on a XXXX dollar loan and still owe XXXX dollars, which was what you borrowed. I saw some review about Springleaf on the internet and XXXX lady said she had the loan before she bought her car and has since paid her car off but still owe Springleaf XXXX dollars. Someone really needs to do something about them. They are taking people money. Especially the elder. The loan has really been paid off and they still want XXXX dollars. If nothing can be done, I 'm going to the media. I 'm also XXXX and have to get my daughter to deal with this problem. Also I have tried to get them to send me cancelled checks because they said I borrowed XXXX and XXXX after the intial loan which I did not. They can not show me who received the money because it was not me. They have no way of showing who received the money

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I HAVE SENT IN NUMEROUS CERTIFIED MAIL TO ALL XXXX BUREAUS IN REGARDS TO IDENTITY THEFT I SENT THEM MY IDENTITY THEFT AFFADAVIT # XXXX NOTARIZED AND STAMPED I SENT IN CONSUMER FINANCIAL PROTECTION BUREAU # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortage with Amerisave and almost every month when I go to make my payment online, I have trouble accessing my account. One month I had to reset my entire log-in credentials and then it did n't work -they froze me out of my account. Today, I go to make my mortage payment that 's due tomorrow and when I entered my log-in information they took me to a screen that says I need to enter in a passcode they will send me by email. I never received an email so I had to call ( and was onhold a long time ) and then the agent said they were having trouble with their server and I needed to try again tomorrow. I then asked to make a payment by phone but she said there was a fee and when I asked them to waive the fee, they refused. I asked to speak to a supervisor and she refused to waive the fee for taking my pamyent over the phone - I believe they make it difficult to pay on-line so they can receive the pay by phone fee. When I asked her what other option I had, she said to mail in a check - this of course would probably make me late and then they can collect a late fee. I would like to file a class action suit against this company for making it almost impossible to pay on-line and thus they can collect a pay by phone fee. I have another home with a mortgage by a different lender and I NEVER have these issues related to making a payment online.

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 01-06-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MA).
Issue: Problems caused by my funds being low

Complaint: We were charged overdraft fees on multiple transactions from our checking account with TD Bank. And then we were charged an overdraft fee ... on the overdraft fees. Prior to any of this happening, we elected to decline overdraft protection on our accounts so the charges should have never gone through in the first place and should have been declined, as per our agreement with TD Bank, at the point of sale. 

Additionally, the charges were never actually posted to the account. They were Pending charges, we noticed that our account would become overdrawn if we did n't deposit money, so we transferred money into the account from our TD Savings account, prior to all of the pending charges actually posting. Our checking account was never actually underfunded. TD Bank manipulated the posting dates and times of the transactions so as to charge us the greatest number and amount in overdraft fees ... even though the debit charges should have been declined entirely at the point of sale because we do not have overdraft protection on our account. 
About half of the charges have been reversed, but we are still waiting on getting the rest of the charges reversed. We have spoken to at least XXXX employees of the bank, all of whom say that they do n't personally have the authority to reverse the charges, and that they must get approval from their higher level manager. This has been going on for over a week now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/26/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I discovered that there are a total of 9 negative inquiries I have on my credit report. Also, there are late payments shown from my student loan which is false. Lastly, there is a charge-off from a credit card company, which I know is fraud ; and I believe this is due to identity theft. So far I did not receive any follow-up about these false claims and I would like all of this negative information removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently ordered copies of my credit everything looked good until I saw all thrse hard inquiries that was not mine I instantly called and had these disputed XXXX and they put a fraud alert on my credit report I then contacted Equifax and went through the online process of disputing these inquiriesin they just sent me an email saying to contact the creditors who furnish them with the information which I did before in they told me I need to take that up with the credit bureaus I also tried calling XXXX to dispute the inquiries in everytime im met with rude people that give me fake names transfers me all over the place even people hanging up so right now I dont know what to really think or do I was advised by XXXX to contact consumer financial since I was having such a hard time getting someone to help its always that stigma guilty until proven innocent

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (Private student loan debt) with TRANSWORLD SYSTEMS INC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: -XXXX XXXX XXXX Private Student Loan obtained XX/XX/XXXX, $ XXXX Me with Parents as Cosign -Sold to XXXX then Sold to XXXX XXXX XXXX -Payments made faithfully -Cosigner File Bankruptcy I think XX/XX/XXXX -Payments were ongoing -XXXX XXXX XXXX Suspended pa

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax did not give me the 5 day letter notice that these 6 accounts listed belowvwere going to be readded to my credit report. These accounts do not belong to me. 

Accounts were added back between XXXX XXXX, XXXX and XXXX XXXX, XXXX. 

Account # 1 XXXX XXXX XXXX - {XXXX  Account # 2 XXXX XXXX XXXX XXXX - XXXX Account # 3 XXXX XXXX XXXX - XXXX Account # 4 XXXX XXXX - XXXX Account # 5 XXXX XXXX XXXX - XXXX Account # 6 University XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation