milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-08-2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America has committed fraud on real estate, mortgage, or Deed of Trust by participating in and conducting a public auction and Trustee 's Sale related to a XXXX balance Deed of Trust on XXXX XXXX, XXXX. 

Bank of America has admitted no balance is associated with the XXXX Deed of Trust associated with this account after recording a Notice of Default ( NOD ) and before recording a Notice of Trustee Sale ( NTS ) and proceeding to sale at public auction. 

Bank of America has foreclosed on a zero balance Deed of Trust all the while claiming a default of forty-five months at the time of sale while intentionally omitting the facts surrounding their actions to explain how such a representation to me and the public of a default, that includes principal, interest, fees, and costs of collection associated with the defaulted XXXX Deed of Trust. To date, Bank of America has not made any attempt to explanation their decision to proceed to foreclosure and begin foreclosure processes as evidenced by their submitted responses to CFPB complaints related to the matter. 

Bank of America has charge me prinicpal and interest since XXXX to pay off the XXXX XXXX Deed of Trust which conveys the down payment assistance I qualified for under the State of California 's HEAP program. However, Bank of America never forwarded the monies charged to me in XXXX to the State of California, XXXX, but rather continued to collect both prinicpal and interest through XXXX for the XXXX Debt conveyed through and associated with the XXXX XXXX Deed of Trust. Additionally, Bank of America also collected monies from a bona fide purchaser ( BFP ) on XXXX XXXX, XXXX that included the current pay off amount of the XXXX XXXX Deed of Trust. It should also be noted my real property associated with this account was used as collateral to secure the XXXX XXXX Deed of Trust as evidenced by the XXXX Financing Statement and Assignments of Rents recorded in XXXX at the time of loan origination. 

Bank of America has not collected, applied, or accepted any monthly installment payments under the terms of the XXXX Deed of Trust and I have not offered, tendered, or have caused to be applied any monthly installment payments under the terms of the XXXX Deed of Trust sine XXXX XXXX, as declared since XXXX XXXX forward. 

Bank of America is guilty of Dual Tracking, a practice prohibited by law, as I have not received any written determination, as required, on appeal from the Bank of America Appeals Department based on their XXXX XXXX Appel Report to date. Therefore, Bank of America has no authority to cause to be recorded a NOD, NTS, proceed to Trustee Sale at public auction, or otherwise complete the sale transaction resulting from Trustee 's Sale. 

All previously mentioned resolutions are desired and mandatory,

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 08/21/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Struggling to pay mortgage

Complaint: I am tired of the the way my loan is being handle by Bank of america. I submitted a new modification packet since the beginning of XX/XX/XXXX and today I called to make sure they have everything in. I was told they have not received anything I got very upset because I fax my documents to three different fax numbers so this would n't happened.the specialist provided me with another fax number. I told the Agent I  have an active sale date and is urgent for Bank of america to get my documents so a new review can start. I am very frustrated that I am doing everything I can to work with Bank of america so I can be provided a resolution. But I feel Bank of america is purposely prolonging the case so my home can finally foreclosed. I am making enough to be provided an affordable trial payment. My intentions are to keep my home. I will do whatever it takes to show Bank of america I want to be current once again. The previous trial payments was completed it 's showing I am able to afford my mortgage payments. The only thing that I did n't complete was the contribution I was being asked to pay {$6000.00} to bank of america. Those were funds I dont have available and I explain all of this to my specialist and still Bank of america refused to work with me. Now I was forced to reapply, and that is what I have done.

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 04-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was garnished last year with XXXX XXXX for student loans and I called today XX/XX/XXXX to see where the money garnished was applied to the loans that Navient has. No one had an answer. I asked the, to remove the late payments that are being reported to the credit bureaus because I have never missed a payment since XX/XX/XXXX of last year ( I 'm receiving alerts saying Navient has reported me 120 days late from all XXXX credit bureaus ). I was told to fax something in writing when this was done they said no mail it. But each representative verified that my account is in good standing with no late payments. Still no answer on the money that was garnished as well.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Bank account or service (Checking account) with J J Marshall & Associates, Inc (MI).
Issue: Account opening, closing, or management

Complaint: This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Payday loan () with Advance America, Cash Advance Centers, Inc. (TX).
Issue: Received a loan I didn't apply for

Complaint: I initially took out a loan through Advance America, as I was in dire need at the moment, and I appreciate their fast service. The issue that I have, is that in their company policy it states that within 180 days you 're only able to renew your loan 7 times and then you 're to pay in full. I took this loan out in early to mid XXXX and I pay biweekly, it is now XXXX and for the first time, I was told that I need to pay in full. It was brought to my attention that a buyout was done for me before in XXXX, as I would only have been paying the fees on this XXXX day $ XXXX would be a bit steep. After being informed of the buyout policy, I did a little math and realized that since I never took out another loan, my loan therefore should 've have been terminated in XXXX, meaning that the following payments would have then gone directly to the principal. Later I spoke with the customer comments team, who pushed my concern to the Area Manager, who was very rude about the situation of my mishandling and then suggested that I do what I 've already done, pay more money and continue to pay until the loan is paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of Trans union   Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

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 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from XXXX XXXX, a debt collector collecting a debt for XXXX XXXX. I spoke with XXXX XXXX and sent them the police report. They said I would also need to send a copy of the police report to the company that now owns the debt. I have now attached a copy of the police report through the CFPB portal.

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 11-11-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: After reviewing my credit report in detail at the XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 


Account in question are : XXXX ( i believe we first became late of 7 yrs ago ) Thank you for your time and i 'm looking forward to getting this resolved. have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (I do not know) with Integrated Recovery Services (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I received several calls yesterday ( both resulted in voice-mail messages ) from someone who said he was " XXXX XXXX '' with Integrated Services yesterday. He said they were XXXX claims/charges for " bounced checks '' associated with my previous/now closed, bank account and that Integrated Services is getting ready to come to my place of business and issue the summons to me. He indicated that he knew this would be very embarrassing and costly to me and that in order for him to not proceed with that action I needed to contact him back immediately to make arrangements to pay him what I " owed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Santander Consumer USA has recently started reporting on my credit reports that I have a past due balance of {$11000.00}, which is not true. Santander financed a vehicle for me in XXXX XXXX for around {$14000.00} plus interest. Santander repossessed the vehicle around XXXX XXXX XXXX. I contacted Santander the day the vehicle was repossessed and advised them that I needed to get my property out vehicle and also I wanted to know the past due amount and information on the repossession. The rep for Santander advised me that they had no information about my vehicle being repossessed and stated that, if the vehicle was repossess I would received a letter in the mail letting me know what I needed to do to get the vehicle back. Also the rep stated that getting my personal property back was a private matter between me and the towing company. I never received any letter or any further communication since that call in early XXXX XXXX. I found out about a month later from the repo company that vehicle was sold at auction and I was out of luck on my property. Fast forward to XXXX XXXX, I pulled my credit reports and to my surprise, Santander is on my credit report claiming I owe them {$11000.00} for a vehicle they repossess? Which they make no mention of the repossession on my credit report they simply just state the account was charged off. The original finance amount of the vehicle was approximately {$14000.00}, plus interest. I called Santander on XXXX XXXX XXXX to request information on this, to see how was it possible I would owe {$11000.00} on a vehicle that cost {$14000.00}, and was sold at auction and was advised they sold my vehicle at auction for about {$6000.00}, and the {$11000.00} is for the daily interest they are charging on the past due amount! How can I have a past due amount? Well Santander has been charging me {$420.00} a month since the repossession! First, they have no right to charge me interest or anything else after they repossess the vehicle without a court order in the state of North Carolina. Second, they never notified me after the repossession to advised me of the amount to get the vehicle back or the auction date. That is also required under North Carolina law. Third by not contacting me thru this entire process, they have denied my right under collection laws to dispute the amount they are reporting I owe to credit reporting agencies, the reporting is a form of collections which is also against North Carolina law without a deficiency judgment giving Santander the right to collect the debt they are claiming. I 'm looking for help to resolve this matter because I can not get anywhere talking with Santander directly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-04-2016 about Debt collection (Medical) with Receivables Management Partners, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Was discharged through my bankruptcy, though coerced, by collection agency, for less than {$300.00}, after bankruptcy! Collection agency complained of the small, regular payments I was making, wanted more, or paid in full, till I realized wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (Credit card) with GC Services Limited Partnership (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: These people ( XXXX ) call almost every hour from XXXX - XXXX. When I answer the phone, they hangup. They have called repeatedly for two weeks. I looked their number up on XXXX and found out that it is a collection agency for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (DC).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: PNC Bank On XX/XX/XXXX, while I was traveling to XXXX Texas from XXXX XXXX, someone used my atm card ( which was NOT LOST ) to purchase items at XXXX in XXXX, XXXX in the amount of {$56.00} and at XXXX in XXXX, Maryland for {$55.00}. I was never in XXXX, Maryland on XX/XX/XXXX or anytime in recent years. I was unaware of these purchases until I tried to use my debit card at XXXX XXXX in XXXX, where it was declined. When I contacted PNC Bank, they told me that they deactivated the card because they suspected fraud, which was indeed the case. They granted me a provisional credit for these 2 charges, and reactivated my card because I was in XXXX, but told me to go to my bank branch and get a new debit card immediately upon my return to XXXX XXXX. I did as instructed, and went into the PNC bank on XXXX XXXX, XXXX, XXXX XXXX upon my return, and obtained a new card. 
On XX/XX/XXXX, I noticed that the bank reversed my provisional credit, recharging me for these two fraudulent purchases. I was unable to reach the bank by phone, so I went into the branch, and I was told that PNC Bank had made a coding error, and had coded my debit card as having been lost. I told the PNC agent that I had not lost my card, but that the bank had deactivated it to prevent fraud, and that I had come into the bank to get a new card, and had then cut up that card, as instructed. The PNC agent then accessed the internal system to correct the internal system error, for the first time, inputting that my debit card had been compromised, and that I had never lost it or authorized its use. She told me it would take about 10 days to investigate, but unfortunately, the bank was not going to issue me provisional credit during this time. I told her that it was unfair that the bank would make me ( The customer ) pay for its internal system error, and that I should have access to my funds immediately, as the bank is the one that should be protecting me, its customer. To date, I have not received this provisional credit. 

In these days where banks want their customers to use their atm cards and debit cards, it is outrageous that the bank should require its customer to bear the cost of its business. I did everything I was told to do when I was told to do it. I never heard from the bank until they reversed their provisional credit because someone in the bank wrongly coded my debit card as being lost. It never was! It was compromised, which is happening more and more each day. How are we customers to survive if the banks make us pay for the cost of doing their business!

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: Credit reporting agencies collect, retain, and distribute my personal and financial information, most of which is done without my explicit consent. Now XXXX of these agencies has compromised the data of nearly every American adult. I should not have to pay a fee to freeze my credit, or an additional fee to thaw that freeze later. I would like governmental intervention to make freezing and thawing free.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian continues to report delinquencies for XXXX account XXXX through XX/XX/XXXX even though the account was forgiven in full with a XXXX and reported as income to the IRS in XX/XX/XXXX, income which I subsequently was required to include with my taxable income on my XX/XX/XXXX tax filing. They correctly report the balance as XXXX, but report delinquent payment history for each month through XX/XX/XXXX. This is not only misleading ( reporting the payment history as delinquent implies a balance is due ) but damages my credit in a way that is preventing me from obtaining necessary financing.

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 04-03-2015 about Credit card () with WELLS FARGO & COMPANY (WI).
Issue: Other

Complaint: I have a Wells Fargo Credit Card. I have made small payments the past couple months due to some other financial obligations. I do pay well before my due date..which is the XXXX of XXXX. I paid for the month of XXXX on XXXX/XXXX/15. Wells Fargo requests a minimum amount due, which did n't meet. I received a letter from Wells Fargo last week and called the number on the letter the following day. I explained to the agent I had every intention of making larger payments and paying this card off asap and that I had always paid on time. 
The agent was not only aggressive and hostile towards me, but he was relentless. I finally hung up after attempting to assure them I was making regular payments that were on time. 
I have also paid off {$6000.00} of this card over the past 8 months or so ... which is clear evidence of my good faith in making payments to get the balance down. Then today, the Human Resources department where I work brought me a message they had called them. This is completely unacceptable that they are calling my workplace. I am the XXXX to the XXXX XXXX XXXX where I work. The tactics Wells Fargo is employing constitute harassment. Today I called XXXX again and explained my payment history, my timely payments, and good faith intentions to begin paying between {$500.00} and $ 1000 monthly on this card in XXXX. Yet they continue to be aggressive and relentless towards me. I will no longer tolerate this. I will no longer be accepting any phone calls -they need to stop contacting my employer -- and all further communications need to occur via the mail. 
They need to CEASE AND DESIST from this harassment. I am making timely and regular payments ... and demonstrate every good intention of paying down my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Loan details Account # XXXX Loan details Account # XXXX Loan details Account # XXXX Loan details Account # XXXX Loan details Account # XXXX To whom it may concern, ( Letters 4-5 as follows : I would like to make arrangement to settle the above reference matter of this student loan, please provide me with the statement of the amount owing as of XXXX XXXX 2017, that together with your assurance that you will except payment in the direct in the immediate exchange in the original instrument of in-debtness in its original form not some copy sent to myself and the CFPB, not some statement of charges not some disbursement date that I took out loans. ) Or verbally saying you sent it. If you do not produce these official documents. I urge the CFPB along with myself to work together to take further actions. By producing these items solves eevryone problems and headaches ... By not producing these documents will help my case in court to take legal action against Navient in my next steps.

Company response to consumer: Closed with explanation