milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2016 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (NJ).
Issue: Settlement process and costs

Complaint: TD bank gave us a mortgage commitment in writing days before closing. When the day of closing arrived we were told, no it is not a firm commitment UNLESS you take out a line of credit for XXXX with them, open a checking account with them and close certain credit cards. All of this on the day of closing. We did not have a lawyer with us at closing, just realtor. They held the mortgage hostage basically on the day of closing until we agreed to these terms. We should have walked away but we did not. Our furniture was on struck, utilities were called, our former home was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: First I would like to address the problem I am having with XXXX as I have researched and started my own credit repair back in XXXX or XXXX XXXX has asked me to verify my identity three times which I proceeded to do. Now here we are in XXXX and I have not heard anything else from them. I sent them a letter prior to the data breech explaining to them that I was not impressed and I did not appreciate the no response as I do know my rights with the FCRA. I was also a part of the breech and that would make three this year. I have had multiple hard hits for loan inquiries that I have applied for or credit and I am constantly keeping track of my credit now for this reason, and see these. I originally filed with FTC.gov a complaint and a report with a 90 day freeze. Plus I was placed on the DO NOT CALL LIST and yet I was and am still getting calls and it seems that the freeze did nothing to help. I am overwhelmed by this and upset it 's also damaging my credit even more so. I also have a complaint against XXXX XXXX and XXXX XXXX Collection agency as well as XXXX XXXX XXXX The last two mentioned are both reporting on my reports for the same debt and I know that, that is illegal and this account is not mine and they are now refusing any response that I have requested from them as well as XXXX XXXX. What do I have to do? Sue?

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX XXXX XXXX places a lien on me in XX/XX/XXXX for taxes not filed.After doing the taxes for years XX/XX/XXXX-XX/XX/XXXX they owed me a refund for every year. Im asking that the credit bureaus remove this information from my credit report.It is reported as paid which it never was they owed me.l did get XXXX XXXX to write a letter stating this but the credit bureaus dont recognize this as suffficient.Ive disputed this action to Yea of course avail. Im asking that this lien be removed.

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 07-01-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was charged XXXX by a fraudulent company for pirated software and services that were licensed to another citizen in XXXX. I submitted a dispute with USAA my Visa card issuer. I was given a temporary credit. The dispute investigation is still on going. I changed my credit card and now have a new number. I have not had any contact with the fraudulent company. I did report them to XXXX XXXX as a company that miss represents XXXX and has the ability to resell sold software licenses and on line software. On XXXX XXXX I was charged by this company yet again. USAA Visa claims this is a new charge. I have not authorized nor have had any contact with the company creating the charge. I have been told this is a reoccurring charge and that it did not matter that I changed my card number ; they can charge me against the old number and obtain the new card data through XXXX. I tried to report and claim this fraudulent new charge and was told to make a dispute. The dispute department asked for documentation which I do not have since I did not coordinate for nor authorize the XXXX XXXX charge ; I have submitted documentation for the XXXX dispute. The USAA on line system will not let me file a dispute for this charge ... .all other charges I could, but the on line option is not available for the XXXX XXXX charge. The USAA dispute representative could not manipulate their system to enter a dispute for the XXXX XXXX charge either. So ... in effect I have to try to get a temporary credit every time these Pirates charge my card in order to have my balance not be affected. I have been assured that I am not responsible for the interest these fraudulent charges create or the balance. However, If I were to have an emergency expense I would need to call USAA Visa to get help and might not be able to use all of the authorized credit they have agreed to give me ... .a broken contract in effect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Debt collection (Credit card) with ZENCO COLLECTION, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A collection agent contacted my XXXX year old mother looking for me about a collection for 2008. My mother called me upset because she was told it was an emergency. 
I contacted the agent back to be verbally abused. I noticed an entry was made on my credit so I called back again and Spoke to XXXX XXXX were I was threatened to be sued.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX I went to XXXX XXXX to possible purchase a vechile. XXXX XXXX never informed me they would be having other banking financial run my credit. Now I am trying to refinance my house and this is holding me back XXXX XXXX XXXX XXXX TD Bank- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: The complaint is regarding XXXX and their inaccurate count of my Public Service Loan Forgiveness Qualifying Payments. 

I submitted my employment verification form to XXXX XXXX this past XX/XX/XXXX, which initiated a transfer of my loans to XXXX from XXXX. I have been repaying my loans to XXXX via an income-based-repayment plan ( PAYE ) since late XX/XX/XXXX. I should have approximately 32 qualifying payments for PSLF on record from the date that my loans transferred to XXXX, however my qualifying payment count still says " 0 '' on the XXXX   website. 

This is frustrating because I have called XXXX on multiple occasions on multiple occasions regarding this, and have been told that the problem will be corrected within 90 days, however I am now well over that 90 mark and my payment count still says " 0. '' I have made several career decisions based on the promise of PSLF, so this delay concerns me deeply.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (I do not know) with National Account Services Group, LLC. (NM).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Man 's voice, no name. Said was " XXXX '' and that failure to respond would result in legal action. Did not identify any account that they are collecting for. Called 3 times in 5 minutes. Their number is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 03/22/2017 about Consumer Loan (Vehicle loan) with COOLEY ENTERPRISES INC (TX).
Issue: Managing the loan or lease

Complaint: I purchased my vehicle from Clay Cooley XXXX back in XXXX. I had issues from the beginning with every maintenance light being on in the vehicle so I ended up having to take vehicle back to get looked at. I get my car serviced regularly and have receipts to show for. I purchased a XXXX to have secure transportation for not just myself but for XXXX small children as well. I have not had the car even a year yet and the car just completely shuts down which put me in the position to do the research on the vehicle that was sold to me by their dealership. I do not see me putting more money into getting in fixed after being promised that the vehicle was good. I needed the car at the time really bad and after doing the research on the car other people have had the same issue as well. I pay my car note on time and I asked if I could trade in for something safer on the road as I am paranoid to drive the vehicle. I was told no. I am needing something done because they are more concerned on getting money and not assisting as I was told before.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problems caused by my funds being low

Complaint: Bank of America charged me XXXX overdraft fees in one day for items returned for insufficient funds. A payment to my credit card was processed earlier than I thought and I had insufficient funds for other XXXX transactions that occurred on the same day ( some for as low as a few $ ). The total overdraft charges were {$140.00} in one day. I have been with Bank of America for years and of course I will close my account as soon as feasible. I spoke to a manager XXXX XXXX on the phone ( he said he was at the West Virginia location of the Bank of America ) about this and they refused to even consider canceling XXXX overdraft fee. I hope the CFPB can intervene and assist. Frankly, it is appalling how Bank of America can do this.

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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I disputed this information and it was removed.. However it has been placed back onto my credit report without proper notice. The accounts that were removed are XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX and 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 non-monetary relief
Consumer complaint received 02/23/2018 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (FL).
Issue: Struggling to pay mortgage

Complaint: I feel Iike M & T Bank is trying to unlawfully obtain my signature for the note on my property. They are asking me for my note when I feel they should have had if I owed them. I feel like something is not right. They have been charging this whole time with out ever having the note in there possession.

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 04/22/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America enticed me to participate in their Trail Loan Modification Program and inflicted financial hardship on me and messed up my credit ratings. 
I have never been late or missed any payments with Bank Of America. Then I get letters from them informing me to participate in their Trail Loan Modification program to lower my monthly mortgage payments. So I enroll. My mortgage payment were reduced for five months from {$2000.00} to {$1700.00}. At the end of five months they informed me they were going to extend my current 30 year mortgage another 15 years in order for me to receive these lower monthly payments. 
I refused to participate in this program. Paying another 15 years of interest to B of A is not in my best financial interest. They immediately inform me I had to pay the difference of my lower monthly payments within 30 days or suffer the consequences. A difference of {$1000.00}. Placing extreme financial hardship on me and my family. But I paid this amount. 
Upon paying this amount and opting out the program I reviewed my credit. A review of my credit disclosed negative information reported to XXXX from B of A. Plus, XXXX and XXXX XXXX had me XXXX and 60 days late on payments. I have never been late with any payments. I contacted their credit department and they insisted the information reported was correct. 
I should not be punished for cooperating with my bank. Currently this negative information submitted to credit reporting bureaus prevents me from refinancing with another bank. An intentional ploy by B of A.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2015 about Mortgage (FHA mortgage) with Seterus, Inc. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter from our Mortgage lender ( Seterus Inc. ) on XXXX XXXX, 2015. The letter states that " an escrow refund in the amount of {$650.00} has been requested and will be sent to you under separate cover once processed ''. To date, I have not received this refund. I have called XXXX times and each time I am asked to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Mortgage (FHA mortgage) with LAKEVIEW LOAN SERVICING, LLC (IL).
Issue: Trouble during payment process

Complaint: XXXX  took over my mortgage loan  XXXX / XXXX /  XXXX   and increased my payment without any explanation. My taxes has not increased nor has my mortgage insurance I contacted loan care on    XXXX   XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX  an d  XXXX  I spoke to several people from customer service representatives (  XXXX  #  XXXX , supervisor  XXXX  #  XXXX ,  XXXX  #  XXXX ,  XXXX  #  XXXX ,  XXXX  #  XXXX  and  XXXX   XXXX   XXXX   XXXX  and no one could tel l me why our mortgage increased from {$1900.00} to {$2000.00}. They stated our pervious loan server (   XXXX   XXXX   ) sent them.  which we never received anything for chase stating a mortgage increase. We submit  XXXX  our monthly documents on our payments since our home loan was first open. Each company when they take over your mortgage is supposed to do their our escrow analysis. I called as soon as I got a new letter from them stating a different amount then their initial welcome letter and from what I had been paying. I was told by  XXXX  that she 's not sure why the amount changed but she will order an escrow analysis from their company (  XXXX  ) and this was on  XXXX / XXXX /  XXXX  . I called  XXXX / XXXX /  XXXX   and spoke with  XXXX  #  XXXX  and was told that she did n't see anything in the system about an escrow analysis or anything about anyone checking to see why my mortgage was increased and she stated that she would order an escrow analysis. This is very stressful. I called serval time and even got hung up on by  XXXX  #  XXXX  and supervisor  XXXX  #  XXXX  and just today  XXXX / XXXX /  XXXX   I tried to call 3 times and just keep getting voicemail. I know that there should be  3 options before they add any amount to my mortgage account. Which are pay the amoun t in full, make partial payment or spread out over 12 months. None of these options was offered.

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 01-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: this is a cable bill that was CANCELED and paid with all equiptment returned undamaged. I told them repeatedly that the equiptment was returned at the corporate location drop off. They are billing me for 2 cable boxes that were returned. The final bill was paid and come to find out that the debt was RESOLD after it was resloved and paid. I have asked repeatedly to remove the negative marks and the hits for my credit score and I was told they will continue to call until I pay it over again. Then I was in tears and the lady laughed and hung up on me. This was paid in XX/XX/2015 along with 4 other debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I went online to Equifax credit report and after fully identifying myself, informed Equifax that they were showing XXXX ( XXXX ) incorrect previous addresses on my report. The addresses were ( 1 ) my mother-in-law whom I never lived with. ( 2 ) my daughter, whom I never lived with, and ( 3 ) my previous work address that I have never used as a residence. After reporting these error on their online form, they incomprehensibly asked me to forward to them, a copy of the following documents:1. Valid drivers license2. S.S. card or XXXX form3. Utility billI can understand this request if they were verifying my current address, but considering that none of these documents have anything to do with the erroneous information on my credit report, I question the inconvenience of the means in which they want me to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: STOLEN IDENTITY LEAD TO A BANK OF AMERICA ACCOUNT BEING OPENED AND USED UNDER MY NAME YET THEY DONT HAVE IT IN THE SYSTEM BUT ON ALL CREDIT REPORTS IT STILL SHOWS SOMEONES USING IT AND THE COMPANY REFUSES TO WORK WITH ME AT ALL.

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 10/18/2015 about Mortgage (Conventional fixed mortgage) with RELIANCE FIRST CAPITAL LLC (NC).
Issue: Settlement process and costs

Complaint: Refinanced my Mortgage with Reliance Capital out of XXXX NC. From the start of the process they have told me that there would be no points or origination fee since I refinanced my last mortgage with them. When I received my first settlement statement it had {$3700.00} in points and origination fees. When I brought it to their attention the mortgage broker promised me that this would be taken off when it went through underwriting. He said the computer automatically generates it on the paliminary statements. I asked that he send that to me in writing, which I have in an email from him. Closing kept getting delayed by a month because i was told that the underwriter was dragging their feet. Closing was scheduled at my office to sign all papers which were not made available to me until the night before the closing. I immediately contact the broker in writing asking why the fees were still listed and should we postpone the closing until they get it fix. He assured me the monies all would be wired to my account. I have all of the emails attached from him assuring me. At the closing the fees were still on the settlement statement so I refused to sign it and called the mortgage broker. He said it was a mistake and to continue withe the closing and that he would send a new settlement statement that afternoon and that the additional monies would be wired in my account the following day. I received no new settlement statement or monies that week and made several calls and sent emails asking where it was. I received a call back from the broker in response to me calls and email promising me that the monies would be wired and that they were waiting on their office in another state to redo the settlement statement. It 's now a month later and I have received nothing and they wo n't return my emails or calls. I even sent an email to his boss that reached out to me in the beginning states of the loan saying if I had any concerns of problems that I should contact her and she would resolve them. She has not responded to this date. I have attached all of the emails concerning this and the settlement statement I would n't sign.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-07-2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Having financial hardship after XXXX, I fell behind on my XXXX credit card. When I became financially sound, I negotiated a auto payment plan with XXXX 's collection agency. 

However, after a year of auto payments, unknown predatory collection company LVNV Funding LLC bought the debt and demanded I pay the debt in full, or they were going to sue me. 
I called XXXX and said the debt was discharged. 

LVNV harassed me for years by calling my home and work multiple times daily without providing invoices of my credit card transactions. Then, this XXXX I was wrongfully sued by a predatory law office XXXX who works for LVNV. 

After doing research, I discovered that these two company prey on working class citizens in Louisiana. So, I thought I was being scammed. 

Because I ignore the law suit and could not explain my case in Civil Court, the judge ruled in their favor. To make matters worst, Since my hands were tied, I spoke to XXXX at XXXX and told her I could negotiate after the Holidays. She ignore my request and started garnishing my wages for $ XXXX for a {$3500.00} initial debt. Now, I owe over {$8000.00} and counting. I am embarrassed to go to work. 

Because I can not pay all my monthly expenses ( mortgage, car, utilities, college tuition, medication for XXXX now, I my have file for bankruptcy. My credit score is almost 800.

Company response to consumer: Closed with explanation