milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: My card was closed by the company. I ended up paying off my card in order to delete from my credit report. Not only are the late payments still showing but the account overall was n't deleted. It 's making it difficult for me to obtain large purchases due to this. I need this to be removed as I was doing a pay to delete when I spoke to a rep.

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 08-04-2015 about Mortgage (Home equity loan or line of credit) with BMO HARRIS BANK NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2013, I XXXX with the XXXX XXXX to the XXXX XXXX. My civilian pay stopped at this point. It took many weeks after several delays for my XXXX pay to be established. During this period my HELOC payment to BMO Harris Bank was late as a result of the income lapse. Attempts have been made to have BMO Harris Bank remove this negative mark from my credit report due to my XXXX status. BMO Harris Bank has rejected my request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Good Morning Navient! 
My name is XXXX and I obtain a loan from you to complete my XXXX at XXXX University, beginning in XX/XX/XXXX. Upon graduating in XX/XX/XXXX, I accumulated {$40000.00} worth of student loan debt and I also graduated un-employed. From XX/XX/XXXX XX/XX/XXXX I suffered from harassing phone calls and threats at the hands of XXXXNavient to begin repayment. Unfortunately, I was still unemployed and this added XXXX did not help. I returned to school in XX/XX/XXXX and it was then I was granted relief through a forbearance. Upon completion of XXXX school in XX/XX/XXXX, I was underemployed and still unable to make payments. I began making in XX/XX/XXXX, but only after threatening phone calls and harassment. It was then I learned that my debt had doubled to {$85000.00} through compounded interest rates and fees. I have struggled to pay since XX/XX/XXXX and but have succeeded in not having a late payment. Because of my credit and payment history, I recently began receiving inquiries to transfer my loans to another servicer for lower interest rates and less terms. 
I know beyond a shadow of doubt that I am the victim of Navient misallocating payments, being steered and automatically enrolled, without consent, toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. I would like to opportunity to move on with my life without Navient. Although I have maintained a good credit and repayment history, based upon lawsuits currently filed, it 's in my best interest to default and declare bankruptcy. I have already payed over {$35000.00} to you, faithfully.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Mortgage (VA mortgage) with Perennial Funding LLC (VA).
Issue: Settlement process and costs

Complaint: Greetings, Recently I decided to refinance my VA Loan. The agreed upon terms were a 20 yr fixed VA mortgage@3.125 %. Provided necessary documents to get the process started to XXXX XXXX ( Senior Loan Consultant ). 

Received application/documents from XXXX XXXX requesting signature. My response to her was, " Before documents can be signed, please make all correction to all handwritten changes. '' Of the requested changes, Check the box to lock interest rate was XXXX of many discrepancies ( see attached ). XXXX XXXX refused to check the box to lock interest rate. 

And as we are nearing closing, approximately $ XXXX is being requested to extend the rate lock to process the loan. Only XXXX Loan Estimate dated XX/XX/XXXX was provide with the box checked indicating the rate was locked reflecting an increase in the interest rate from 3.125 % to 3.250 % and total loan amount of {$360000.00}, XXXX of XXXX scenarios to cover the cost of a rate lock extension as stated by XXXX XXXX. ScenarioXXXX : On the loan estimate, Increased total loan amount to {$370.00}, XXXX with interest rateXXXXXXXX. 

The Loan Estimate I signed on XX/XX/XXXX was with total loan amount of $ XXXXXXXX3.125 % with a request to correct the total loan amount. As you can see, total loan amount was corrected {$360000.00} but rate was changed to 3.250 %. Documents and Loan Estimate was provided by Home Point Financial, XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX. Rate lock extension is not needed being that rate was lock on XX/XX/2016 as indicated on Loan Estimate dated XX/XX/2016. I 'm requesting to have the loan to reflect the correct total loan amount ( {$360000.00} ) and correct terms of ( 3.125 % XXXX ). Time is very important. Loan Estimate indicates rate lock is until XX/XX/2016. I 've attached various copies of e-mails, Loan Estimates and application forms. 
Thank you, XXXX

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 11/22/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: Bank transfer sent by SEPA payment to Coinbase on XXXX XXXX 2017, my account has still not been credited

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NC).
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: Around XX/XX/XXXX, I was checking my credit report on credit Karma and it stated that my chances of getting a Capital One Credit Card was fair. I went to capital one website to apply for the card and received a pop up with a preapproval message. I applied for the card and was told that I was approved and would receive a {$1000.00} credit limit. On XX/XX/XXXX, I received a confirmation email that my new capital One Credit card was on the way and thanks for being a new customer. When I received the card a few days later, I tried to activate it and was informed by the customer service rep that they were having a problem with the preapproval code, being that it was for one particular person and it was being investigated. They told me that it was error with capital one 's system and that they would get my information and have someone call me back to verify my account and get the card activated within a few days. No one ever called so I called back and was told that the account was closed due to the system error and that I was welcomed to reapply. I did not want to reapply. I told them that because of their system I got a message saying that I was preapproved which lead to me applying for the card. I have requested that they remove the inquiry on my report because it is unfair to me to have it reporting on my credit report due to an error on their behalf. The reps refused to remove this inquiry, therefore it is affecting my credit report in a negative manner. Capital One should either honor the preapproval amount and activate the card or remove the inquiry from my report. Consumers should not be held responsible for errors on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Credit card () with DISCOVER BANK (IN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Discover continues to withdraw funds from my personal checking account, making payments on a Discover account that I 've reported multiple transactions as fraudulent. In XXXX XXXX, I had a credit of at least {$20.00} on this Discover Card account. A XXXX woman that still lives with me is a predatory individual and professes to love me -- I 'm XXXX XXXX XXXX -- I 've been told this is a " sweetheart scam ''. This individual made all the purchases after XXXX on this account without my consent. I did not make these transactions with this Discover card. I 'm attaching the XXXX Police Department 's reports. I first reported this financial elder abuse to the XXXX Police Department on XXXX XXXX, XXXX and subsequently XXXX XXXX, XXXX. I 've reported the theft to Discover as well but the representative badgered me over the phone for my new XXXX personal checking account information so minimum payments would continue to be paid. I closed my original XXXX account when I learned of the fraud. I am currently going through the court system to remove the woman from my home.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Calvary Portfolio Services was paid {$720.00} in 2013 in an effort to have them remove a collection from my XXXX and XXXX credit reports. Despite me never contracting with company I paid them because XXXX refused to collect the monies owed to them. I now have a delinquent XXXX entry and a Calvary Portfolio collection account for the same debt. I have made several calls to request deletion of improper entry to my credit report but was told it is not their policy to delete especially since I had already paid. I never received notices. The item just appeared on my credit report. I was never allowed to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Bank account or service (Other bank product/service) with KEYCORP (CT).
Issue: Account opening, closing, or management

Complaint: I had previously submitted a complaint # XXXX against XXXX XXXX Bank that was successfully resolved in XXXX XXXX. It seems XXXX XXXX Bank has merged with KeyBank and now the same issue is happening. I retired in XXXX for health issues. Now living on fixed income. My payment is late every month I acknowledge I am unable to pay on due date because of the time of month my pension is received. I have not missed a payment in 4 years & pay late fee each month. Every month the bank would call everyday at least once despite my asking them in writing more than once not to. They claimed to have not received the letters despite receiving the payment attached to them. At that time the harassing calls stopped. Now the calls have begun again under KeyBank & they have even called my husbands cell phone & he is not on the account. Today I spoke to a representative asking again to not call me & to send all communication by mail. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: The letter explains to the best of my ability what has been going on. 

I feel that I want any stollen moneies returned as well as the people that are doing this to me get prossacuted, and this to end completely for good.

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 08-11-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NV).
Issue: Other

Complaint: Hello, through my reports, I 've come to learn that there is currently a name that is being reported to all XXXX credit agencies which is incorrect. The source is American Express. For background into this issue : My true legal name is XXXX characters long " XXXX '', however AMEX reports my name is " XXXX ''. I have contacted American Express to fix this issue, and their response in writing has always been " Unfortunately due to system constraints, we have updated your first name as this, because it can not exceed more then XXXX characters. '' This is problematic for me because " XXXX '' is a legitimate name and not an abbreviation for " XXXX ''. This is misleading and to me is quite comical that AMEX would be operating a " system '' that can not properly communicate someones name to agencies as important as our countries credit agencies. Also I should note that NO other credit card company ( and I have many ) have this problem! 

I believe that AMEX needs to be pushed to comply with operating a fair system that can handle more then XXXX characters, and be forced to not report the incorrect name to agencies. 

Thank you for your time, and I am looking forward to a response and resolution to this matter, which certainly affects many XXXX citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: On XXXX separate occasions letters requesting a free credit report were sent. A return response from company was that I would have to pay for the report. The request ( s ) were after the 1 year wait period and to my knowledge no report was requested during the 1 year wait protocol.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Settlement process and costs

Complaint: On XXXX XXXX, XXXX, I signed a Home Equity with Bank of America. In XXXX, I filed a bankruptcy and I had to give my copies of my documents to the Federal Court in XXXX XXXX. Bank of America sent me a letter that my plan would change according to the documents, but I do not have my copy because I handed it to the Federal Court. Bank of America first sent a fax and it was unreadable. I called Bank of America XXXX XXXX, XXXX asking for a document that I could be able to read and they sent me would, but without my signature. Without my signature I do n't have proof that it was the original document. I also called on XXXX and XXXX to request a readable paper with my signature. so far Bank of America has mailed me documents that are impossible to read. their phone number that I made contact with is XXXX. I would like to know what are my rights. Borrower : XXXX XXXX XXXX, XXXX : XXXX, 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 06-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRST NATIONAL BANK OF OMAHA (VA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for two credit cards with XXXX XXXX XXXX XXXX XXXX on or about XXXX XXXX, 2017. The XXXX they say were declined because of too many inquiries. The XXXX XXXX was denied they say because I answered security questions incorrect. There seems to be a major problem with this bank. First of all both applications should of been declined if one application has too many inquiries. Secondly, I had an fraud alert on my credit report that I am trying to have removed. I am being told declined because I did n't answer security questions correct. Lets discuss this issue. One of my security questions was asking me about a phone number I had n't used in over 30 years. I am now XXXX years old so do you think I am going to remember an phone number from over 30 years ago. Why could n't they have sent an security text code to my phone like XXXX and XXXX XXXX. In some instances I was able to fax information such as social security card and current utilitiy bill proving it was me that applied for the credit card. I feel XXXX XXXX did n't want me to carry their credit card and just made up stupid reasons why credit was n't extended. This is why I am not doing any more business with XXXX website. Furthermore it seems too frivilous to come up with different reasons why I was denied a credit card. If too many inquiries then both applications should of been denied based on that reasoning. If both products pulled XXXX  credit reports which the bank pulled then why was n't an security questions asked for XXXX XXXX card. After all, The fraud alert should have effected both applications! If the bank going to declined an application for unable to verify identity then it should effect both applications instead of one. XXXX XXXX just did n't want to issue me an credit card it seems. I feel I am being discriminated against because I am XXXX year old man!

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Mortgage (Reverse mortgage) with Live Well Financial, Inc. (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We have a reverse mortgage on our home with Live Well reverse mortgage company with only my wifes name. Weve been married over 49 years. My wife past away XX/XX/XXXX. I am the non borrower spouse. I contacted the mortgage company and they sent me the needed paperwork. I immediately sent them everything by fax. They continue to tell me they didnt Receive the paperwork or only received a partial. I resent them the missing paperwork several times. I even emailed it to them and have confirmation. 
I contacted them on XX/XX/XXXX for status. 
They informed me that I missed the deadline of XX/XX/XXXX, when in fact I had sent them all the documents. 
They gave me options. 1. Sell the property. 2. Let foreclose or give them the deed. The appraised value is {$420000.00} and the balanced owed is {$60000.00}. 
Why would I let it foreclose. 
I feel that the dropped the ball and I should not be penalized. 

Ive lived at the property with my wife for over 22 years. 
They wont listen to me. I have all the paperwork they requested. I need someone to step in. 
Thank you

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 02/14/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with PNC Bank N.A. (MI).
Issue: Closing on a mortgage

Complaint: I closed on a HELOC for $ XXXX with PNC on XX/XX/2018. At closing they offered to transfer $ XXXX to our checking account. We specifically declined this offer, and did not sign the paperwork to authorize the transfer. On XX/XX/XXXX I observed that $ XXXX had been transferred to our checking account without our permission. PNC is not able to say how or why this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX XXXX is making multiple false report to my credit files. 
The company reported to the three major reporting credit bureau that I have make a {$5.00} payment to the account over the past two months, which is totally false. 
I have made five requests both via certified and regular mail requesting an investigation of the fraudulent charges over the past 14 months, after the 3rd letters I got a vague response stating that they verified that the charges were mines without any stating how they verify the charges were legit. My follow up letter went unanswered. 
I haven't used the card for nearly ten years, once I had paid it off around XX/XX/XXXX. 
I provided XXXX XXXX with a copy of the FTC Identity Theft Report because it is really necessary that I know how the card was used, since unlike many of the fraudulent card that was opened with my info, the XXXX XXXX credit card was legitimately mine. 
Not only the company is not complying with my lawful request, it seems like this is an attempt to circumvents existing laws to keep reporting on the fraudulent charges which event if they were legitimately made by me would have reach the status of limitation. 
The last payment I made was around XX/XX/XXXX, not in XX/XX/XXXXand XX/XX/XXXXand not {$5.00}.

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 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Please refer to complaint # XXXX. Since there is no way to reopen a complaint I am forced to open a new one. In the complaint previously filed, XXXX indicates that they NEVER received a XX/XX/XXXX letter from me regarding the issues I was having with their credit reporting. It took me a bit longer than I would have liked, but I knew I had a copy of my letter along with the signed Returned Receipt and my receipt from the Post office. As I have indicated in the prior complaint, XXXX has been the most disorganized company to work with and even when I was paying ahead of schedule they were showing Late payments and reporting it to the Credit bureau. In their response to me which they attached a copy to the above complaint they indicate their first notice of this complaint was in XXXX sometime. It was in XXXX and I am attaching the proof. This is not fare to comsumers and should not be allowed. Once again you can see that they ca n't keep their own records straight, yet they are allowed to ruin their customers credit. Please address this. They have once again lied.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (I do not know) with Oracle Financial Group LLC. (VA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Person by the name  of   XXXX   XXXX   sa id he was an  investigator with the county I live in and said my name had come up in an investigation. Did not give the name of the debt collection agency. Called from number (  XXXX  )  XXXX  and told me to call him back at (  XXXX  )  XXXX . The first number is from  XXXX  and the latter number is from  XXXX , FL. This is illegal for debt collectors to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On my credit report for my payments made for my Discover credit card in ( XXXX 2017 it is coded as ND no data ) And it is showing up on my credit report as no data. I have had the credit card that was opened up in XXXX 2017 with payments made on time from XXXX, XXXX, XXXX 2017.
They are reporting ND- No data for the month of XXXX 2017 for my discover credit card.

Company response to consumer: Closed with explanation