milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2015 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan servicing company ( LoanCare, a XXXX company ) website, www.myloancare.com has been down for days. 

I am simply attempting to make a a payment. This seems to happen often, usually around the end of the month. When I call the customer assistance phone number, I spend 30-40 minutes on hold, only to be told that website is fine. It is not operational, however, and I can not submit my payment. 

Please help! Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: equifax is posting unverifiable incorrect, and outdated information on my credit report and when i request method of verification i asked them detailed question about how did they come to this conclusion that its correct they dont answer them they just send some template method of verification

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have a debt on my credit report with XXXX Mortgage, which is past due over 180 days. This is the ONLY negative on my credit report. the item has been disputed on complaint # XXXX as I filed chapter XXXX bankruptcy in 2003 and all debts were included in that. My additional problem is this same debt was under the name of XXXX Mortgage last year and removed, XXXX XXXX the year before and removed, XXXX the year before and removed and so on. When this debt is deemed uncollectible by the debt collector and this info is disseminated back to the loan holder, it is then sold to someone else for collection the next year. This has hurt my credit terribly cost me money in points and higher interest rates, and wasted my time and other, plus being a fraudulent practice on the part of the creditor, the reporting agencies and the collectors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2016 about Debt collection (Payday loan) with Advance America, Cash Advance Centers, Inc. (OK).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Received a letter which upon first glance appears to be from a Court of Law.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Settlement process and costs

Complaint: Filed for a remodification with Bank of America, was approved with no principal balance or interest rate reduction. Was told because I have an FHA loan I was not eligible. 

Now I have to consider paying an attorney XXXX to take care of it, why? 

My property is XXXX underwater. I requested a letter from them a week and a half ago and never re eived it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Navient  Student  loans various accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NE).
Issue: Account opening, closing, or management

Complaint: I received an online offer from Bank Of America in XX/XX/XXXX /XX/XX/XXXX that if I open a checking account and had XXXX direct deposits within 90 days of account opening I will get {$100.00} bonus. So I opened this account and made changes to my direct deposit and split it such that {$400.00} would go each month into BofA checking account. By XX/XX/XXXX I received the welcome kit from BofA and it also had a letter saying my XXXX direct deposits had to be made by XX/XX/XXXX or XX/XX/XXXX, for me to get the bonus. This made me happy cause XXXX had not made the first deposit to BofA in XX/XX/XXXX due to paper work processing. So my XXXX direct deposits were made by XX/XX/XXXX/XX/XX/XXXX, but BofA keeps dilly dallying to pay my {$100.00} bonus. I have called 4 times so far. The second time the agent told me I would get the bonus, but when I did not by XX/XX/XXXX end, I called and have called twice since, they say decision is pending. They said they will remail me the welcome letter for me to see what it said, never did. I am very sorry I ca n't find the welcome letter, looks like it got thrown out with trash. But I did get that letter from them and in any case I got my direct deposit set up and did all that I was required to do for the bonus. I read online they make such offers, and mostly try not to honor them. Supposedly, BofA is infamous for this. This seems unfair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Some credit agencies have my address as a XXXX address. That is not my address that is my fathers address. Mine is XXXX XXXX not XXXX. I 've attached proof of identity and address. My drivers license

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am currently working for a non-profit and am eligible for my loans to be forgiven after 10 years of payments. My loan company has changed many times ( and I have had no control of this ). I was with Navient for a number of years. A year and a half ago my loans moved from Navient to XXXX. I made many calls while with Navient to make sure that my payments would count toward my loan forgiveness. I was told that I was on a payment plan that would count toward my ten years. I recently learned that Navient had me on a plan that does not count! To top it off, I was paying more per month than the plan that would count toward my ten year forgiveness period. So, I have almost two years of payments that will not count ( and like I said, I was paying more than what I should have been! ). I am extremely frustrated. Like I said, I did not opt to go with Navient- my loans transferred. I listened to them and did what I was advised and it was all wrong! I now have two additional years of payments!

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred from XXXX XXXX XXXX XXXX to Specialized Loan Servicing ( SLS ). During the transfer my account was labeled as being in " Bankruptcy '' and therefore my payments submitted to SLS have been returned. My account is NOT in bankruptcy, I have been current with all monthly payments, and there are no negative reports of late payments or past due charges. I have tried for three weeks to have SLS remove the bankruptcy status on my account so I may submit payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Billing disputes

Complaint: I recently received my credit statement showing a minimum payment of {$250.00}. Because I can not afford to pay the full amount, there is a monthly fee of {$37.00}. In the terms and conditions, the credit card stated there was a minimum payment of {$25.00} This amount is abusive and the original balance has quadruple within a year 's period.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I submitted a request for a free annual credit report from XXXX via the XXXX website. However, the site tells me that I need to mail in copies of my social security card, driver 's license, XXXX info, etc. in order for me to receive a paper copy of the report. What 's the point in having an online service if you ca n't receive the report online. Further, sending all that personal information through the mail invites identity theft.

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 08-08-2016 about Credit card () with PORTFOLIO RECOVERY ASSOCIATES INC (MO).
Issue: Sale of account

Complaint: Back in 2005 I was given an XXXX credit card. The total amount available on the card was about {$500.00}, if I 'm not mistaken. Anyway ... after the housing market crash I had been paying my credit card bills on time but evidently the bank decided to close out my account and left me hanging there with about five hundred owed. For years I would get calls from collection companies trying to settle the debt. It never got paid and now I 'm XXXX years old, no job and only have social security as my income. I have no property, no big bank accounts and nothing anyone can slap a lien on. Portfolio has been the main company trying to collect from me for many years now. About two years ago I told them just what I told you folks about my financial situation. They refused to stop contacting me. For many years they have called me almost every single day and sometimes twice a day to the point that I just do n't answer their phone calls any more. At this point I want them to stop contacting me. Enough is enough. Can anyone from CFPB report these folks and their unfair business practices?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/19/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: Bank of America closed this account, and arbitrarily decided to keep {$4500.00} of mine. They claim the money orders deposited were 'not valid for deposit '. Bank of America WAS paid by XXXX XXXX for the money orders AND they refuse to provide substitute checks, a violation of federal law.

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 09/30/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I sent a letter to Midland Credit Management ( MCM ) on XXXX/XXXX/15 via certified mail asking them to stop contacting me via telephone. My letter requested them to validate the amount of the debt, the name of the creditor to whom the debt is owed, a verification or copy of any judgment, and proof that they are licensed to collect debt in the state of Ohio. I had received no prior written communication from this company and asked them to send me details on a debt they say I owe in writing only. The number they are contacting me on is a work phone number that I do not own and I do not use for personal business. Doing so is a violation of the agreement I have with my employer for it use. I received a reply from Midland Credit Management dated XXXX/XXXX/15 stating that they are unable to locate an account in their system for me and that additional information is needed. I was asked to send a Full account number, social security number, address or previous address, full name, and phone number. I could not provide them with an account number as I had received no communication from them with an account number or an original creditor. I also am not willing to provide a social security number to a business that states it has business with me but can not clarify what the business is. My address, phone number, and full name were provided in the letter I sent. Despite MCM claiming to not be able to locate a record for me, the calls did stop for a time. During this time I received no further written communication from MCM with any information regarding the debt they saw I owe. However, during the week of XXXX/XXXX/15, I began to receive several phone calls from an auto dialer sometimes XXXX times in XXXX day. I decided to answer the phone on XXXX/XXXX/15 as I was not aware of who the calls were coming from originally as the number being used during this round of calls is different than what was used previously. The represenative asked for me by name and stated they were with MCM and attempting to collect a debt. This was surprising as I stated before, I requested only written communication and had not received any response to my request for validation/verification. I provided the agent with my cell phone number and informed them I would call them back as soon as I was able. To which the agent responded that if they did not hear from me in 10 minutes they would call me.The agent also claimed that legal action was pending against me. As they called during the business day, I was not able to call them in a timely manner and they have yet to contact me again today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Western Portfolio Assets (OR).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: My family and work received calls from scammers claiming to be XXXX on the verge of XXXX my property for a debt. They also called my work and harassed them claiming to be a law firm. My boss told me to take care of it immediately as calls like that were unacceptable at the workplace. I paid {$900.00} to supposedly a XXXX law firm. My wife called shortly after and said she called XXXX directly and not the ( XXXX ) number left and was told it was a scam. I spoke to sheriff and called bank to stop transaction. Even though I explained the person I gave info to was not who they claimed and I had been scammed the bank would not stop transaction. Furthermore the bank would not let sheriff have access to my account and when disputed claimed it was not fraud because I received what I paid for. I paid no debt off, my money is gone and the company that actually took the money out was not XXXX or this XXXX law firm it was western portfolio. How can they get away with this and how can XXXX Bank get away with claiming it was n't fraud.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MN).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On XX/XX/XXXX, I received a credit card offer form Wells Fargo Financial Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, South Dakota, XXXX for a possible line of credit. I applied for the credit card and was approved on XX/XX/XXXX. This card was secured with Wells Fargo Financial having a secured interest in my home. The following year, I was unemployed and filed for Chapter XXXX bankruptcy in XX/XX/XXXX. I listed the credit card as a part of the bankruptcy and assumed it would be discharged with the rest of my debt. In XX/XX/XXXX, the bankruptcy was discharged and I have since moved on thinking that this credit card was a part of the discharge. I am currently in the process of trying to refinance my mortgage with a different financial institution and have qualified and been approved for the refinance. Upon review with the title company, it was discovered that this credit card debt was showing up as a interest in my property and the title company is refusing to remove this item even though I submitted the bankruptcy discharge information. After learning of the situation, I contacted my bankruptcy attorney on XX/XX/XXXX to determine what can be done about this. I learned from the attorney that because of the secured interest in my home, there is nothing that they could do, however, I was informed that other clients in similar situations with the same credit card have been able to get a release/settlement due to fraudulent practices demonstrated by Wells Fargo. Upon my research on the internet, I was able to find the XX/XX/XXXX class action lawsuit against Wells Fargo in the state of New York where they settled with credit card consumers for {$4.00} XXXX dollars. They were in violation of policy violations, which put consumers ' home at risk. Wells Fargo Financial Credit Services of New York, a Wells Fargo affiliate, acquired XXXX Home Equity Lines of Credit through which they offered a secured credit card called the XXXX XXXX Platinum, which I had. This allowed consumers to secure their credit card purchases using interest on their home loans -- a practice that is not permissible under the law in the state of New York. There is evidence that on top of the illegal practices it in engaged in, Wells Fargo altered and falsified income documents, in order to qualify borrowers for loans that would otherwise be denied. On XX/XX/XXXX, I filed a formal complaint against Wells Fargo with the Office of Minnesota Attorney General XXXX XXXX 's office. 

The Attorney General 's office has also contacted Wells Fargo on my behalf and has requested written response from them regarding my claims. As of XX/XX/XXXX, I also filed a complaint with the Office of the Comptroller of the Currency.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Inc. said its systems were struck by a cyberattack. The criminal took advantage of a " U.S. website application vulnerability to gain access to certain files '' from XX/XX/XXXX through XX/XX/XXXX.  Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers, and credit card numbers. 
According to www.equifaxsecurity2017.com, I was  impacted by this incident, and my information may have been acquired by the hacker. 
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have opened numerous complaints with this agency only to see them " CLOSED and FILED '' upon receipt of a response be it inaccurate, incorrect or outright lies. Currently my wife are undergoing financial hardships brought about by incorrect, untimely reporting! Trying to reach any of these bureaus is a farce. I understand they are now under the control of   XXXX   XXXX   XXXX   but frankly same old, same old. A review today of my " protection ''  XXXX  -placed by the  HR Department of the United  States Governmen t indicates the reports still reflect incorrect information and wrong information has not been corrected. I h ave filed with  the CFBP Ombudsman and Vice Presidents office for  help but to date nothing!

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 10/14/2017 about Debt collection (Other debt) with Debt Recovery Solutions, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I filed a dispute with XXXX for a company in XX/XX/XXXX. After XXXX investigated they informed me it was accurate and they updated my credit report to show I opened the acct in XX/XX/XXXX of this year. The collection agency is collecting for XXXX who I currently have service with and when I contacted XXXX they informed me that their system is not showing them an account being opened with them in XX/XX/XXXX with a Balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The credit reporting agencies are incorrectly reporting my current account status as 60-120 days past due. I paid the accounts and have a zero balance. I want the credit agencies to report the current status correctly as " Paid as Agreed ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Bank account or service (Checking account) with BB&T CORPORATION (PA).
Issue: Deposits and withdrawals

Complaint: I deposited to BB & T on XX/XX/2016 XXXX {$1000.00} checks ( balance transfer checks ) from my LL Bean Visa Card acct. The deposit receipts stated {$1000.00} on each along with the date stamp. Later that day upon checking my acct online, there was only {$100.00} each noted as " pending ''. On XX/XX/2016, I called the BB & T manager and was told the rest of the deposit would be available XX/XX/2016. Previously the same type of check for {$800.00} was deposited XX/XX/XXXX and when I inquired the teller told me that type of check would be available immediately. On XX/XX/2016 I made a transfer of funds from my money market acct to my checking acct to avoid overdraft fees and that was also tagged as pending. Please note that my accts are well funded and stable. On XX/XX/2016, I also made a {$500.00} deposit at XXXX XXXX and their receipt showed exactly how much ( {$400.00} ) was available that day and how much ( {$100.00} ) would be available on XX/XX/2016.

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