milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Application, originator, mortgage broker

Complaint: I have been a Bank of America customer for over a decade, and my wife has been XXXX for longer than that. I was pre-approved for a mortgage by XXXX at Bank of America in XX/XX/XXXX of this year. I was very up front about my income XXXX salary, bonus, cash, stock, etc. ) which did not change through the underwriting process. Over XXXX weeks with very limited communication from underwriting, XXXX assured me that I did not need to apply with another bank ( where I had been preapproved as well XXXX and that this was going to work out. The only reason I applied with Bank of America was the competitive rate and your assurances that the loan would close. 

In an email from XX/XX/XXXX, XXXX told me that she checked on Bank of America 's treatment of my bonus income and " we should be fine. '' When I called her to follow-up, she told me that she had spoken with the loan processor and even though the bonus was down in the most recent year, the underwriters would take an average of the last XXXX years and we would be fine. 

In actuality, she informed me on XX/XX/XXXX nearly a month later and just 10 days before close that the underwriter would not use an average and would actually not give me credit for any bonus at all even though I was preapproved, none of my information changed, and we had talked about the declining bonus specifically and she told me it would be OK. She also told me in the XX/XX/XXXX email that I had to pay off my car loan, which I did on her advice, but it was not necessary because Bank of America never made the mortgage loan. In the end, I nearly lost the house, and incured thousands of dollars in extra closing costs. 

Adding insult to injury, Bank of America charged me {$870.00} in fees on XX/XX/XXXX, which I do not believe is fair, as I would have never applied with Bank of America if I had not been preapproved by XX/XX/XXXX and assured along the way by her that Bank of America would be able to close my loan. 

I ca n't tell you how frustrated I am by this, not because I was not approved, but because I provided everything up front, was told it would work. I had other options, but I went with Bank of America as a customer given the preapproval and repeated assurances that things would work out. I almost lost the house and was charged fees by Bank of America for this disservice. 

I am asking that Bank of America reimburse the {$870.00} in fees I was charged, as I would not have applied with the bank if I was not preapproved and assured it would close. I asked XXXX by email to reverse the fees, but she told me that was not Bank of America 's policy. I emailed her XXXX XXXX twice to review the situation but never even received any response.

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 monetary relief
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: A couple years ago I applied for a credit card and got denied. After investigating, the company approved the card because the only thing that was preventing it was the verification of my identity that the company Lexis Nexis is provided could not verify it. I called and received a full public record file, which has hundreds of mistakes and requested to fix them. Today I applied to a lease company and the same denial happened and once again Lexis Nexis caused that because my identity is not unverifiable. I was told to get a full public record file again. It is unacceptable that companies that are supposed to verify identities have mistaken and that it will cost me money and time to fix it. Private for profit companies should not be able to profit from people 's information.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted Experian Credit Reporting Agency and explained to to them that the information on my report is wrong. They are reporting reporting that I owe a Balance from XXXX XXXX from an account that was opened up on XX/XX/XXXX. I never opened up this account. 
I told Experian three times this was in error. On the third and last time they said it was already disputed and I had my answer answer. 
XXXX XXXX XXXX told Experian that I opened the account up on XX/XX/XXXX and that it stands as is. 
Can CTPB ask XXXX XXXX XXXX for the paperwork showing I opened up and account on this date. 
I ask Experian to investigate this and they told me it had already been resolved through XXXX XXXX XXXX. 
If they cant show I opened up an account on this date in which I have ask for verification on three different times, then what can I do? Credit Report number is XXXX XXXX, report XX/XX/XXXX account number is XXXX ... .amount is XXXX Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: There is an address, XXXX XXXX XXXX XXXX, XXXX XXXX Rhode Island, that is incorrect. I have never lived here.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was paid off XXXX XXXX. I was told to expect my refund within 10 working days from our notary, who was previously an escrow officer. I called the mortgage company on XXXX XXXX was told that, by law, they would not be releasing my {$4000.00} escrow account balance for 30 days. That is totally unacceptable to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I fill out the application for credit card and was denied because I have good credit. Sun, XXXX XXXX 2017,  american express denied me for credit card and place an hard inquiry to my credit report which lower my chances to reapply and get approve.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Conns is repeatedly calling from different numbers and have called 7 times today alone, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX the bill is only 4 days late and will be paid tonight but they are harassing us over 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2015 about Debt collection (Medical) with North American Credit Services (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Paid the debt by Money order

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX and Equifax have Collection accounts and inquiries that are fraudulent and do not belong to me. THERE WAS NO PERMISSIBLE PURPOSE AS PER THE FCRA LAW, I DID NOT APPLY FOR LOANS OR CREDIT. As well, they have several variations of my name, inaccurate addresses that do not belong to me, attached to some of these fraudulent inquiries and collection accounts which is causing financial damage because the information is inaccurate yet its causing me to lose job opportunities, etc. I have not contracts with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX or the alleged, original creditors. 

THE ONLY NAME, ADDRESS AND NUMBER THAT SHOULD BE ON MY REPORTS ARE : Update my name and address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX I mailed all the information requested to XXXX. I registered on line to dispute. Online will not let me continue, it says I am already set up. XXXX XXXX XXXX, my drivers license number is XXXX. I recently updated the address to reflect XXXX XXXX XXXX XXXX. I mail a copy of my XX/XX/XXXX tax return. This information is prior to two months. I filed bankruptcy in XX/XX/XXXX. The addresses shown on the credit report are XXXX XXXX XXXX XXXX XXXX TN XXXX. The spelling of my name was XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TN XXXX, the spelling of my name was XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX. XXXX XXXX XXXX XXXX TN is one Of The addresses used by me. The case number is XXXX. The property at XXXX XXXX XXXX XXXX TN XXXX was foreclosed on. The Trustee was XXXX XXXX. XXXX XXXX XXXX an agent for XXXX XXXX is on my report. XXXX XXXX XXXX XXXX in XXXX TN is on my report. XXXX XXXX XXXX XXXX is on my report, account number XXXX. XXXX XXXX is on my report. An inquiry was done with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX handled the bankruptcy case. Attorney XXXX XXXX filed the case. Attorney XXXX XXXX XXXX also helped with the case. The tax transcript I filed with IRS shows I filed my return with XXXX XXXX {$19000.00}. Refund in the amount of {$1700.00} was applied to balance with IRS. Fraudulent transitions are being reported to IRS using my social security number. IRS have my current address on file XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. My former employer ein number is XXXX. {$23000.00} was reported to IRS when I was laid off on XX/XX/XXXX. A fraud tax return was filed using my social security number. I 've reported to IRS using XXXX form for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Credit card debt) with EQUIFAX, INC. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This not my debt. I 'm victim of identity theft I submitted police report to the originally creditor. Then they sold the acccount to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Debt collection (I do not know) with ZENCO COLLECTION, LLC (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a call from a " XXXX XXXX '' who left a voice mail on my girl friends phone. She stated that charges are going to be filed against me and my social security number. She left no company name, no explanation as for the call except that charges would be filed against me. I want to see them ( Zenco ) in court in XXXX XXXX Oregon where I live, at least in court I can have discovery. I am afraid that some company like this will take legal action, for what I have no idea, and obtain judgment or press criminal charges without notifying me as required by law. I returned the call and left a message asking for verification of alleged debt or charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Everyone they agree to temporarily stop my payments I never receive the paperwork promised and they continue to hurt my credit. I 've requested the paperwork on  4 d ifferent occassions.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (GA).
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: I have been fighting the accuracy of my 12 student loans that have been out of default sine last year of XX/XX/XXXX where i did a rehabilitation program with XXXX and all of my loans have been out of default and paid as agreed with a zero balance as i have also consolidated all of the 12 loans into 1 loan! I sent a email to the CEO of Navient and got a email back from one of his workers! XXXX XXXX! she informed me that i did in fact have them as my servicer as the original bank XXXX sold it to them back in XX/XX/XXXX! Now inXX/XX/XXXX i had lost my job and apartment so I never received the mail and or the welcome letter that XXXX stated that they infect sent out! Well today she emailed me a letter saying they could not removed the payment status of 120 past due as that event happened before i rehabbed my loans although XXXX the ORIGINAL bank has done so once i completed my program, but yet XXXX XXXX is saying they can NOT! In the welcome letter that XXXX XXXX sent me it Clearly states that XXXX sold them only 3 of the 12 loans! Which i still never received that letter, she emailed it to me today to show they had a letter but there was no proof to show it was actually mailed out but i would not have gotten it as I was not living at that address. It shows that these loans are supposed to fall of my report next yearXX/XX/XXXX! but these 12 accounts that are not even theirs are showing 120 days past due is making it hard for me to get a home. I sent a goodwill letter and have had no luck! But with the information I have they only brought 3 of the 12 loans.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: On Friday, XXXX XXXX I was notified that there was a security breach with Equifax. I learned from their website that I am effected by this and it is likely my full name, social security number, address, and even my drivers licence number has been stolen by criminals, and I may experience possible identity theft. I am now advised by a different website to freeze my credit, as well as take many other steps to try and monitor the situation- costing me much time, effort, and money.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an account on my Equifax report that does not belong to me. I have tried to contact the collection agency XXXX XXXX whom is reporting this account and the phone numbers are disconnected and the fax numbers are no longer in service. I disputed this account with Equifax and the response I got was this account was 'VERIFIED '. XXXX did not verify this account because this company is no longer in business. I asked for the METHOD OF VERIFICATION that XXXX used and got no response other than XXXX. There is no way that this account was verified if it is gone out of business. This collection account has ruined my credit score tremendously and I am using CFPB as the last resort before pursuing legal action. There is XXXX accounts from XXXX which are all medical bills that do not belong to me all fraudulent accounts with dollar amounts are as such {$140.00}, {$94.00}, {$280.00}, {$170.00} and {$140.00} I have not been sick nor have I showed my drivers license to this facility. XXXX is also a medical bill that do not belong to me that has not been validated for {$990.00}. XXXX is a collection account that have not been validated for {$1000.00} whom I have no knowledge about whom the collection agency did not validate when I asked for the information. XXXX for {$10000.00} definitely do not belong to me I tried to validate this account and got no contract with my signed signature showing that I signed any paperwork for XXXX they have not shown me that they have license to collect in my state nor have they shown me paperwork that I signed owing XXXX not the original creditor. If XXXX purchased the account I need validation paperwork. I have disputed these accounts numerous times with XXXX as well as the collection agencies for VALIDATION and have not gotten a response in 30 days from the collection agency so I am certain that these accounts have not been properly verified through Equifax. I requested signed paperwork with my signature on it for validation that this account belongs to me and XXXX nor the collection agencies verified not validated this fraudulent information. This is my last attempt for this fraudulent accounts to be removed immediately since they have not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent this letter on XX/XX/XXXX, but I they have not responded yet.

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 08-05-2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (MA).
Issue: Charged fees or interest you didn't expect

Complaint: I got a {$600.00} loan From big pictures loans come to find out later they are charging me interest rate of 661.4909 %. Massachusetts rules on loans no higher than 20 % APR. I have Reached out several times to big picture loans with no Success.
This company trys to take advantage of tribal immunity and avoid interest caps. it 's the FTC Act grants the FTC authority to regulate arms of Indian tribes, their employees, and their contractors. specifically regarding deceptive payday lenders hiding behind a tribal affiliation.
Please Find documents attached

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I received loans beginning in XX/XX/XXXX and had to take a break from school in XX/XX/XXXX because my grandmother was XXXX. In XX/XX/XXXX, I had my son XXXX and he was XXXX for 6 weeks, I took another break to focus on him. During the second break, I did n't know that the loans that I got in XX/XX/XXXX would not be in the 6 month grace period, as the other loans were. I did not receive or open any correspondences during that time frame. Once I realized the loans were becoming due, ( I thought all were in the grace period ) I contacted Navient to find out what I could do. At that time I was told about the income based repayment plan. The loans from XX/XX/XXXX are reporting late payments and I was unaware that I was supposed to be making payments or that I had any options. I have contacted Navient, who told me that although the see I did n't open any emails, I called the automated system from a number they had on file, so they could n't remove the late payments. I honestly do not remember calling them and not speaking to a rep. That would defeat the purpose of calling and I would have spoke to someone, if I would have known I had a balance due, to prevent something like this from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: There is a fraud and someone is using my name, social security, date of birth to obtain a mortgage, car loan and credit card. This person requested a free credit report on XXXX XXXX, 2015. Therefore I ca n't get a report in my own name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have collections on my credit report that does not belong to me, I disputed these items and they were removed from my credit report, Transunion has now put those same collection, derogatory reports back on my credit report, after having relentless conversations with them and them asssuring me that they would be removed once again, they are still on there and still remains

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 04/23/2015 about Credit reporting () with LEXISNEXIS (AR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am a victim of the XXXX XXXX and XXXX data breaches. I requested my free annual credit report from LexisNexis. I also requested that my file have a security freeze placed on it. LexisNexis told me that they are not a credit reporting agency and would not give me a copy of my file or place a freeze on it.

Company response to consumer: Closed with explanation