milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2016 about Bank account or service (Checking account) with SCOTTRADE BANK (OH).
Issue: Using a debit or ATM card

Complaint: This complaint involves my previous issue with Scottrade Bank and the transactions from XXXX. What is it going to take for you people to wake up??? XXXX stole my money, plain and simple. This " company '' is not even allowed to do business in the U.S. or with any U.S. citizens. That, in itself, is enough to make these transactions null and void. Contact the SEC and the CFTC and they will tell you the same! I 'm sure you have their numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: For approximately the last 10 years, I have been paying on a private student loan through XXXXNavient. I was the co-signer, my son decided not to pay the debt. The problem is from time to time I have tried to get a sheet to reflect the payments I 've made and current balance. To this day, I still have no idea what I owe. It seems like I 'm a cash cow for Navient with no end in sight. The company has refused to provide me with this information. Early on when this loan went into default I was pushed into forebearance option, informing me that my payment could be missed for 1 month.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: CapitalOne froze my account for potential fraudulent activity. After sending the requested documentation they still insist on not resolving my issue. If the end result is to close the account and terminate the relationship then let 's do that but to have our funds frozen and prevent us from operating is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XXXX XXXX, 2017 I applied for a home loan from Bank of America. I provided all of the documents requested, in a timely manner. I was assured that, based upon my credit score and income, I would qualify. On or about XXXX XXXX, 2017 I was informed that I had 2, less than 30 day late payments, on a previous house, over 7 years ago. The credit companies and the bank that held the mortgage said that they could not confirm the late payments, as too much time had passed and they did n't keep records that far back. Again, I was assured that the loan would approve. It was sent to an underwriter who questioned two of the late payments, even though they did n't appear on my first credit pull and could n't be verified. The underwriter then refused to approve the loan and sent it up to the next level underwriter, who reviewed the loan documents and was set to approve. He left on a family emergency this last Friday XX/XX/XXXX and upon his return, he reviewed my file and was set to approve it. His supervisor, for reasons that can not be explained, refused to let him sign off. It was n't declined and has n't been declined, as of now I still have no answer. Bank of America has practiced discriminatory & predatory lending practices throughout this entire process. I have a house in escrow and in 5 weeks have not been able to get an approval or refusal. They have left me in a position to now try and extend my escrow if the seller will approve, If not I will not be able to close on time and lose the house. They also asked me what I wanted to do as far continuing to escalate the loan for approval or just forfeit the loan and go somewhere else after 5 weeks of working with them. How can an institution like Bank Of American be allowed to string a customer along like this and find it acceptable to continue conducting business in this manner.

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 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Multiple unauthorized credit inquiries. No response from credit bureau.     This letter is another formal request to remove unauthorized inquiries from my credit report. I 've listed the unauthorized inquiries below.       XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX .    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX     XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX  Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter.     In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Debt collection (Mortgage debt) with NATIONSTAR MORTGAGE (SD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: In XX/XX/XXXX my Bankruptcy was discharged in the Federal Court in XXXX XXXX. Included in the bankruptcy was a mortgage on a piece of property located in XXXX, XXXX which we did not retain. The Mortgage company ( Nationstar Mortgage ) filed for foreclosure in XXXX, the district court in XXXX, XXXX  dismissed the case finding the Mortgage company had engaged in illegal lending practices. In XXXX Nationstar mortgage sold the mortgage to XXXX XXXX XXXX, this this point to date XXXX  continued calling me and sending me letters stating that I owed them this money, I explained that this was discharged in bankruptcy and request that they do not contact me on this no longer, They have called me no less then 30 times and continue to call, I have also found that they have placed derogatory items on my credit report causing me to be turned down for recent loans. How can they continue to do this after the item was discharged in bankruptcy, I understand that the original lender had the right to foreclose, it has be 7 years and 120 days since I stop making payments to the original lender.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/15 on EXPERIAN. I did not authorized anyone employed by this company or at this company or EXPERIAN to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that EXPERIAN remove the unauthorized and fraudulent hard credit inquiry immediately from my EXPERIAN credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There 's a {$160.00} debt on my credit report. I have not been to this doctor. I called and they say that it was my minor son 's debt. I did not sign a Financial Responsibility form so this is his debt. I did n't know he had even been to the doctor. This practice is illegal in Tennessee.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I tried to dispute an item online, the sytem states that it is ACCURATE an unable to dispute online unless I mail documentation. I was given the option to upload the information. However, at the last minute I was not able.

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 01/23/2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CO).
Issue: Application, originator, mortgage broker

Complaint: My husband and I applied for a re-finance loan with our current lender. Jumping through all the hoops that we have with them to get all the documentation to them in time to close, they have now requested that on the application, in the declarations sections we must check yes to XXXX and XXXX since we had a Short Sale. Then though we DID NOT have a foreclosure. They told us to do so or no loan.

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 12-03-2016 about Bank account or service (Savings account) with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: Bbva compass will not remove the XXXX fees from my account after someone tried to use account Date : XXXX/XXXX/2016 From : XXXX XXXX To : XXXX XXXX Account : Savings XXXX Time : XXXX Reference ID : XXXX Memo : I am unable to issue dispute under account XXXX 1. Amount of change {$38.00} x XXXX NSF 2. Posted date XXXX/XXXX/16 & XXXX/XXXX/16 3. Merchant name XXXX 4. Reason for dispute ( cancelled services, onetime payment, etc. ) This transaction is not for me this is not my insurace carrier I never initiated services with them 5. Your current mailing address XXXX Fl XXXX 6. Your phone number XXXX 7. Preferred method to receive the dispute paperwork ( by mail, fax, or email and provide such information ). email 8. Have you attempted to contact the merchant to obtain a refund? Yes I contacted this merchant initially on XXXX/XXXX/2016, and was advised there was no way to provide me any information as the SSN provided, Drivers License number, address, and also the DOB provided does not match my information. The merchant explained I need to contact my bank. 
9. If so, what date and what was their response? XXXX/XXXX/2016 I was advised there was no information t CloseDelete Reply

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-04-2015 about Credit card () with SYNCHRONY FINANCIAL (NH).
Issue: Billing disputes

Complaint: I filed a dispute in XX/XX/XXXX-XX/XX/2015 regarding disputing late fees and was told I would not be required to make a payment until the issue was investigated. due to this a late pay was marked on my credit while in dispute. This company has been a nightmare to deal with and they DO NOT have a phone number that they provide or is listed to their corporate office which is where each rep I have spoken with states I need to talk with. I have been promised several call backs from their corporate office which have not occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TN).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I received a promotional solicitation on the  American Express appli cation offering me {$100.00} credit voucher if I made a {$600.00} or more reservation using t he American Express trav el application. I selected the offer & proceeded to make a a {$660.00} hotel reservation  on  XX/XX/XXXX  t hrough  AMEX travel through my American Express app. This is on my American Express bill for  XX/XX/XXXX . Having been more than 30 days I called to check on the status and was told that no such offer existed. After challe nging this I was told the offer existed but I did not enroll. After challenging this further I was transferred to multiple individuals including  XXXX ,  XXXX   XXXX  and  XXXX . Several claim to be supervisors although none ended up being. All of the individuals claim to be able to do nothing. Finally after  two hours and  repeated phone calls the last representative I spoke to a tend a reference ticket  XXXX . So far they have refused to acknowledge this bait and switch or the fraudulent activity on their part. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/19/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Trouble during payment process

Complaint: I submitted a Third-Party Authorization to Nationstar in XXXX 2017 authorizing them to disclose my mortgage information to my attorney 's office. At no time did I submit a " change of address. '' However, since then, Nationstar has changed my mailing address to my attorney 's office 's address and refuses to reinstate my actual mailing address, which is the address of the home. My attorney sent a Notice of Error on XXXX XXXX, 2017, but to date Nationstar has not responded. They are continuing to send my monthly mortgage statements to my attorney 's office instead of to me at the property address. My attorney 's office then has to forward the statements to me. I am afraid that I will miss a payment or be late on a payment because of this. There is no litigation pending so I am not sure why Nationstar insists on communicating with my attorney 's office only.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Money transfers (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Fraud or scam

Complaint: I was scammed by another Bank of America client through wire transfer, however, failed to file police report due to insufficient information about scammer. I told BOA my situation to cooperate with police, however, I was told there is nothing they can do, refused to release any information, and would not start any investigation internally.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Choice Recovery, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a a unverified account from CHOICE RECOVERY Account # XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CHOICE RECOVERY purport I owe. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (CO).
Issue: Loan servicing, payments, escrow account

Complaint: This is in reference to a delinquency that Roundpoint reported to XXXX ; my wife and I dealt with Roundpoint in good faith and made payment on agreed-upon terms, but the company, through it 's own malfeasance or malpractice, reported the payment as 30 days late, even though their own documentation and communication recorded the payment as only 8 days later that listed on the statement provided. 

Roundpoint Mortgage serviced my home loan from XX/XX/XXXX through XX/XX/XXXX. XX/XX/XXXX, my wife and I refinanced the mortgage through XXXX XXXX. Either XXXX XXXX failed to correctly calculate the payoff amount, or Roundpoint failed to correctly calculate the payoff quote, as two weeks after closing, Roundpoint informed us that the payoff fell short. 

In short, Roundpoint acted in an unprofessional, chaotic, duplicitous, and bullying manner over the course of three weeks. They sent a series ( XXXX ) of inaccurate, contradictory statements, and failed to explain why XXXX statement differed from another. A representative agreed to grant a two-week extension until funds arrived in my account for payment, but Roundpoint instead set a due date as the day that we received the funds in our account, and recorded a 30-day delinquency to TransUnion when the payment arrived 8 days later through the mail. They refused to provide a written explanation of the deliquency report, and only offered a second-hand verbal explanation over the phone that the representative who granted the two-week extension had no authority to do so -- as the department that handled payments refused to communicate with me directly, their use of a customer service representative in this way was a deceitful and borderline fraudulent practice. 

My wife and I have never missed a payment of any kind in 25 years ; the report substantially lowered our credit rating from " XXXX '' ( XXXX ) to " XXXX '' ( XXXX ) in a matter of days. This was their error, and it substantially harms us as consumers ; Roundpoint refuses to acknowledge their error, and have refused to communicate with us in any way after receiving payment. 

We 've already submitted documentation through cashiering.

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 06-12-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: We received a statement from Ocwen telling us our monthly mortgage payment is going up from {$2500.00} to {$2700.00}. No explanation or advanced warning was given to these changes in terms of our loan agreement. The statement just said 'further detail regarding the reason for this change will be included in a separate letter '. The statement date was XXXX/XXXX/15. We have never received a letter of explanation. 
This clearly breaches the terms of our contract with Ocwen not to mention no constructive notice given to use regarding the changes of said terms.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (Medical debt) with Medical Society Business Services, Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I am in the process of purchasing a home. I had my credit pulled prior to closing and was surprised to see a collection from XXXX XXXX XXXX XXXX, originating from XXXX XXXX XXXX, which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2015 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My XXXX mortgage on a home I own was sold from XXXX company to another. XXXX No, this is not my specific complaint. ) The information provided to the new company that assumed the loan was grossly incorrect, and as a result of this, the new company sent a letter to the tenants of the home ( I rent it XXXX stating that the home was in jeopardy of being foreclosed on. Thankfully the tenant immediately contacted the property manager who in turn contacted me. ( I was able to immediately make the necessary payment to restore the account, the NEW account. ) Complaint facts:XXXX The address that Ocwen ( the company that had the loan ) provided was a no-longer-valid address for my ex-wife, who had moved out of that address BEFORE Ocwen even assumed the loan. XXXX This address was NEVER provided to Ocwen ; I suspect they did an internet search or credit check to find this address. ) XXXX. My ex-wife never made a single payment to this mortgage, so identifying her and her ( no longer valid address ) makes even less sense. 
XXXX. I provided Ocwen my correct address, email address, phone number, and bank information several times over the XXXX month period Ocwen had this loan ; and none of my information changed during this 18-month period. 
XXXX. I did not, as a result of Ocwen 's inability to keep track of my personal information, receive any notification from them that the loan had been transferred. 
XXXX. I use online banking to pay my mortgages, and by far, Ocwen has been the most difficult and least responsive mortgage company I have ever dealt with in the XXXX years I have had a personal home mortgage.

Company response to consumer: Closed with explanation