milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: BoA opened a credit card in my name to a party in Washington State ( I reside in Michigan ) Shortly after opening this account, I received calls to my personal cell phone from BoA about fraudulent activities on this unauthorized account. I received " welcome to BoA '' letters at my home in Michigan. It seems obvious to me that BoA knew full well they were opening an account and issuing a credit card fraudulently. If BoA ( with whom I 've never done business ) had access to both my cell phone # and my home address, it seems only reasonable to assume somebody there knew this was n't proper. I have suffered no financial loss, but has required a lot of my time to contact credit bureaus to clear my name from this mess.

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 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: In XXXX I had a Chapter XXXX bankruptcy discharged. Since then my mortgage loan has been transfered a few times. When it was serviced by XXXX XXXX XXXX we were involved in a home loan modification to make a commitment to stay in our home and get current on our mortgage. The modification was approved XXXX XXXX. The modification re-financial structure constitutes in writing documentation that we are affirming our commitment to repayment of the mortgage. 

The reason for this complaint is to make Nationstar aware of the non-reporting to the credit bureaus for the past 15 months of all our timely mortgage payments. 

After speaking to the Bankruptcy department division from Nationstar who has recently changed their name to XXXX XXXX, I was told that I would have to re-open the bankruptcy and file a re-affirmation agreement and that I would not be given any retroactive payment history to the credit bureaus. 

I feel that my rights as a consumer and home owner have been severely effected by an error on Nationstar Mortgage now XXXX XXXX. Both myself and my husbands credit scores would have had an impactful positive reflection if there would have been reporting of our timely mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There was a collection added illegally back to my credit report on XXXX XXXX, XXXX by CONVERGENT OUTSOURCING, INC. XXXX XXXX XXXX XXXX XXXX, WA on behalf of XXXX for {$1600.00}. This account was previously deleted in XXXX due to their use of improper protocol when attempting to collect an invalidated debt as well as it being fraud. I was not sent the legal notice that this account was resold or the required 5 day letter that this collection would be added back to my credit report. I would like this collection removed again as it was and the collection agency to no longer attempt to collect an invalid debt. This is causing an extreme hardship by damaging my credit continuously with fraudulent information. This situation is causing me loss of money, time, credit resources and severe stress. Notices have been sent to the company requesting action with no response. This is now becoming harassment and I would like this resolved immediately or I will have to take legal action. It is already difficult enough as an Identity theft victim trying to repair and replace the things I 've lost and this illegal action just adds insult to injury.

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 11/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I filed a formal complaint with Navient more than two weeks ago, backed by evidence and statutory precedence of NYS Labor Law in support of discharge of my student loans due to disqualifying status based on a previous XXXX XXXX XXXX.. 

After I field a formal complaint with Navient in XX/XX/XXXX, I was immediately notified via their website that I would hear a response within 5 business days. 

As of today, XX/XX/XXXX I am still awaiting a response. 

NYS Labor Law Section 1125 ( 1 ) and the Americans with Disabilities Act ( ADA ) covers the employment of XXXX and furthermore illustrates that at the time my student loans were originated I was not of sound mind to make the important life decision of choosing a university to attend, a major, loan financing, and/or a future career. 

Subsequently, since graduating from XXXX College in XX/XX/XXXX, I have remained unemployable in my field of study. 

During the life of my loans, I was steered by my former lender, XXXX XXXX, into a loan consolidation and several forbearances without being informed of the future financial ramifications : specifically, longer pay off periods at far greater amounts. 

This has resulted in a remaining balance over {$15000.00} in student loan debt after over ten years, with interest that continues to be compounded daily!

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed a chapter XXXX bankruptcy in XXXX of 2015 and it was discharged XXXX of the same year. 

Bank of America has continued to report the account as open with a late payment. They have completely ignored the bankruptcy discharge.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IA).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the XXXX credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. 

Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. 

Thank you for your time.

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 12-06-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: On Saturday XX/XX/XXXX I opened a checking account at SunTrust online. I then went to the branch inside XXXX on XXXX XXXX XXXX XXXX in XXXX, GA and deposited two checks totaling {$2700.00}. 

On Monday XX/XX/XXXX, I directed my employer, the XXXX XXXX XXXX XXXX to send my direct deposit payroll to the new account. And I set up a XXXX auto-withdrawal using the new account for XX/XX/XXXX. 

Unbeknownst to me also on Monday the XX/XX/XXXX the Suntrust fraud department decided to close my new account. I went on XXXX holiday in Maryland and New Jersey and did not find out about the closure until I returned on XX/XX/XXXX. In their letter they stated my funds should be sent in 15 business days if they are n't forfeited. 

I called the fraud department on the XX/XX/XXXX but they had no information except to tell me to visit a branch. 

I went to the Sun Trust XXXX, GA office Tuesday XX/XX/XXXX and the fraud department would n't tell them anything either. 

Of course my payroll check then bounced on the XX/XX/XXXXt and I had to get XXXX taken care of, but I really need to get my funds back from them. I had XXXX XXXX on the XX/XX/XXXX with a {$1700.00} copay and was counting on using that money to pay the 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 monetary relief
Consumer complaint received 03-11-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Unauthorized transactions/trans. issues

Complaint: To : Consumer Financial Protection Services From : XXXX XXXX On XXXX/XXXX/2016 I disputed an unauthorized charge made on American Express Serve Prepaid Debit card on XXXX/XXXX/2016 through XXXX and XXXX, the charge was for {$630.00}. I contacted my cardholder as soon as I noticed the charge. I was told the investigation process will take up to 45 days and a provisional credit will be applied to my account in 10 business days until a decision was made. On XXXX/XXXX/2016 I first got an email saying my account was suspended then a few minutes later I got an email saying my claim was denied with no reason behind the decision. I called to find out the reason for the decision and was told I violated the terms and conditions of the account. I spoke with XXXX the same day XXXX/XXXX/2016 and was told that they had n't responded to my card provider yet, and to call back at a later date to find out the status. I called XXXX again XXXX/XXXX/2016 and spoke with a supervisor whom explained that they granted the charge back because the seller was n't cooperating and my money had been sent to my card holder ( American Express Serve ) XXXX/XXXX/2016 I was give the run around and told that my account had been closed and that was it with no explanation. I wrote customer relations but have yet to get a response. It took exactly 10 business days for my card holder to reach a decision and XXXX had n't sent anything to my card holder yet. The chargeback was granted XXXX/XXXX/2016 by XXXX because of lack of cooperation from the seller. I am attaching copies of the email 's sent from American Express Serve. I hope this helps and I could get my money back. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not mine and I have no knowledge of said debt. It is reporting to credit bureaus which is negatively affecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Delinquent account

Complaint: I had an account that fell past due. Very past due. The creditor issued me a XXXX and said the balance was forgiven. However it 's still reporting on my credit report as a balance due. I contacted them to pay it off in full, and they refused payment. They said the debt was forgiven. How is the debt forgiven, but still showing as an outstanding debt on my credit report, all while they refuse to accept any payment from me at all? When I call, they read me a disclosure in the begining of the call saying that It 's past the statute of limitaitons and I am no longer legally obligated to pay. If I choose to pay or make any payment, it will restart the statute of limitations and I could be sued. I immediately tell them I understand and would like to pay it off, and they say " sorry, we cant accept a payment ''.

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 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My credit report is listing incorrect information. I do not owe  XXXX   XXXX , I have contacted them and they verified that I do not have an outstanding balance with them. I have also submitted disputes with   XXXX   and Transunion and they failed to update and/or remove this inaccurate information from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Debt collection (Auto) with Financial Credit Service, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A Representative of ARA continues to call & harass me over a time-barred debt with XXXX XXXX XXXX. I have been threatened with law suit filing and have continued to advise that this debt was disposed of 15+ years ago. I have asked the representative to cease and desist yet they continue to harass me with threatening phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
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: On  XXXX   XXXX ,   XXXX   I pulled my  XXXX  major credit reports from  XXXX . I noticed an account being reported by  XXXX   XXXX   XXXX   XXXX  that I had no knowledge or record of. I disputed this account with all  XXXX  agencies under the complaint of " account does not belong to me ''. On or around  XXXX   XXXX ,   XXXX   I received an updated credit report and a summary of the investigation that simply stated  " Information va lidated as accurate ''. No reason, method, or support to that statement.     In the updated credit report I found that not only did they not resolve my complaint but they allowed  XXXX   XXXX   XXXX   XXXX  to update information on the account from charge-off with a balance of   XXXX   and no late payments to having no high credit limit, a balance of {$2200.00}, a charge off amount of {$2200.00}, re-age the date of last payment from  XXXX  to  XXXX , and tack on  XXXX  reports of 90 days late to account that had a previous balance of {$0.00}.     I then disputed this new information with all  XXXX  credit agencies with the investigation results once again stating  " Information  validated as accurate '' with out anything to support that statement.     I then proceeded to file a complaint with the BBB against Equifax about the matter. However, the BBB did nothing but open up a line of communication with Equifax. No investigation supporting documents were furnished to support their findings, and they refused to correct the issue.     I then made direct contact with  XXXX   XXXX   XXXX   XXXX . Once I was able to finally get a hold of the right person, after first being sent to the collection department to try and strong arm me into paying on an account that is not mine, they simply gave me the number for Equifax and hung up.     I am now in the process of initiate   XXXX   last effort to have the report corrected before I pursue legal advice on handling the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loans through Navient were deferred because I went back to get a XXXX XXXX. I graduated on XXXX/XXXX/2016 with my XXXX XXXX. On the Navient website, it showed I did not have any payments due by my typical date of the XXXX of every month. In late XXXX ( after the XXXX ), the Navient website said I was due with a payment on XXXX/XXXX/2016. I paid all the requested amounts on all my student loans, and paid extra on XXXX of my student loans ( so that I could pay that XXXX off early ) - and this all happened on XXXX/XXXX/2016. My account on this date showed everything was paid properly and there were no notices of being late. 

On XXXX/XXXX/2016, I received my first e-mail that I had a payment due on XXXX/XXXX/2016 - except it was more than I expected. I log in to Navient and see notices that all but XXXX of my student loans was past due, and the past due amounts were past due for the exact amounts I paid on XXXX/XXXX/2016 for the payment due XXXX/XXXX/2016. I called customer service to get it corrected, but unbeknownst to me, they corrected by taking the amount I overpaid to XXXX loan and split it up amongst the ones that were overdue ( thereby reducing the overpayment intended to go to that XXXX loan ). 

Later in the day, I did not understand what they did, nor did I receive any notification over the phone or through e-mail about this matter, so I called them back. After sitting for a grueling 1.5 hours on the phone and asking to speak to a manager, I came to understand that since I graduated on XXXX/XXXX/2016, they backdated a payment due on XXXX/XXXX/2016, hence my original payment made on XXXX/XXXX/2016 for the XXXX/XXXX/2016 due date was retroactively applied to a payment that was backdated due XXXX/XXXX/2016. After asking how they can backdate a due payment over a month later, I was told it does n't matter because I was assessed no late fees and my account was up-to-date. At this point I hung up because further conversation was as pointless as watching paint dry. 

At no point did Navient notify me through e-mail or mailing that I had a payment due on XXXX/XXXX/2016. And at no point did Navient notify me that they were going to backdate a payment due on XXXX/XXXX/2016 - both e-mails and their website listing of messages prove they made no attempt in notifying me. 

If I had not overpaid that XXXX loan and had it split up to cover this ghost due payment, I would have been listed as being late and charged fees. I do not feel like I can be the only XXXX this has happened to, because in my talks with customer service, it is evident there is gross mismanagement - especially when my questions about how they can do this went unanswered and I was told it does n't matter because the account was up-to-date.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Credit card () with PNC Bank N.A. (IN).
Issue: Customer service / Customer relations

Complaint: I paid a payment using a check to the bank that services the credit card account that I have. The amount processed, XXXX to the credit card account and to my checking account was the same amount, but was different than what I thought I had written on the check. Despite letters by postal mail and numerous phone calls with the credit card servicing bank, I was not able to get copy of the check. My own bank, from which the check was cashed, does not have the copy, as it was processed as electronic debit. I would like to see a copy of the check, but credit card servicing bank absolutely will not provide that. I paid interest charge due to different in amount that was paid. Thank you. Credit card servicing bank was PNC Bank. The last phone call to customer service had rep state that PNC could not provide check image, even though previous customer service rep stated that they could and it would be mailed within XXXX month of my call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-03-2017 about Credit reporting () with Southwest Credit Systems, L.P. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX of XXXX is reporting a {$60.00} collection through SouthWestern Credit System accoujt number XXXX. But file belongs to a XXXX who is the principal on account. This was from XX/XX/2014 account still exists for XXXX. The account is under XXXX credit file. I have written and called XXXX but have not been able to speak with anyone. WE are trying to pay the account off, to eliminate negative report, but XXXX refuces to provide evidence account is paid of with a letter addressesed to XXXX even though it shows against her on the credit report. No way to confirm payment as all docuemnetation wouold go to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I requested a loan modification and a principal reduction several times from Wells Fargo for my property located at XXXX XXXX XXXX XXXX, in XXXX XXXX. At the time of I was being reviewed for HAMP in XXXX 2014 my property was valued at {$67000.00}, the comps in my neighborhood were valued in the range from {$22000.00} to {$55000.00}. Wells Fargo Bank denied my loan modification under HAMP using my monthly gross income of {$2400.00}, Wells Fargo did not reduce the Principal Balance as allowed by HAMP. Wells Fargo did not Provide me with a Net Present Value review, this what have revealed the true value of the home and what method the value was obtained, furthermore, the XXXX would allow me to see what the projected HAMP modification would be the interest rate and the amortization schedule along with the any reduction of the principal balance. My gross income used of {$2400.00} would have been sufficient for a repayment of {$67000.00} at a interest rate of 2 % and amortization of 30 years. Instead Wells Fargo placed the excess principal amount which exceeded the value on the back end of the loan, a maneuver which HAMP would not allow. This action caused my payments to accelerate ever year way beyond the true value of the home and provided for Wells Fargo Bank to gauge me for payments legally, however to their dismay I refused to sign such a one sided agreement. Therefore, my punishment is foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation