milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (WI).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: I was recruited for my loan through the recruitment officer who came to the school to recruit me to go when I was XXXX years old and did not fully describe the details to the loan to my mother XXXX XXXX and I. Later I was talked into deferments ( after harassing phone calls threatening my mom they were going to take everything she had ) then I was not fully explained that that would incur interest. Also when the company was formerly known as XXXX XXXX I would get phone calls from my mother 's sobbing because their employees of customer service would call my mother and threatened to take her house and threatened her financial standings and so I would then get talked into going into deferment and be talked into that over and over until my interest is now at 10 % or more and i incurred around {$10000.00} in interest as well and can not work in with any of the " education '' from this college either. The credits do n't transfer. This loan is HUGE so i ca n't get any other student either and i also was not made aware that there was other programs that it was possible i could 've qualified for that would 've helped me with my loan so instead i have now incurred quite a bit of Interest I also was not able to finish my degree fully due to severe allergic reaction at the college after XXXX XXXX threatened insubordination. This is after being recruited and now XXXX XXXX XXXX XXXXXXXX Minnesota is closed. I am looking into further action with a lawyer at this point if action on this isnt satisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OR).
Issue: Loan modification,collection,foreclosure

Complaint: I am a homeownership advisor with XXXX XXXX. I submitted an XXXX to Ocwen 's loss mitigation email address, XXXXXXXXXXXX, and it bounced back. I went the their loss mitigation website to confirm the email address and it is a blank page : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have disputed this matter already with this company.And I called them on XXXX-XXXX-17 as well.They told me they would send information on both accounts & that they would send deletion requests to all 3 credit reports which they have not done yet.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/2017, I contacted XXXX XXXX and All 3 Credit Bureaus regarding the information they had reporting to my credit reports. The information was incorrect and inaccurate and needed to be removed from my reports. 45 days later the 3 bureaus reached out and stated that the accounts were " verified '' with any supportive documentation to show. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX detailing XXXX XXXX business practices. 

It has come to my attention that XXXX XXXX has had some improper business practices conducted within the last year. I was unaware of this information until researching when my credit report showed the inaccuracies. I'm not sure if my complaint has anything to do with the before mentioned sanctions, but it is clear that my account needs some attention. 

The information is inaccurate and incorrect and needs to be removed promptly. 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 04-08-2016 about Credit card () with DISCOVER BANK (CA).
Issue: Billing disputes

Complaint: I joined XXXX XXXX as a consultant the first week of XXXX 2016. I charged {$150.00} & {$680.00} on my Discover credit card. About a week and a half after joining they sold the company to XXXX XXXX. I requested they cancel my request and give me a refund. To date I have not received the merchandise or a refund. I disputed the charges with Discover who stated XXXX XXXX provided documentation that XXXX left the merchandise at my front door. I have not received anything and have been trying to get my money back since XXXX without success. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. My credit score had suffered from this glitch. No notice was ever given which is a violation and I am requesting that ALL inquiries be removed : Datafacts - XXXX 2016 Datafacts - XXXX 2016 Datafacts - XXXX 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 non-monetary relief
Consumer complaint received 10-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: My problem is with Bank Of America credit card payment features and their Automatic Bill Pay feature. Generally speaking the B of A on-line instructions are very confusing and I suspect intentionally ( as well as small difficult to read print ) making it difficult to understand what amount of payment is being applied which leads to payments and interest payments not a reflection the payor 's intentions. I had assumed I set up an automatic monthly payment of the full amount due on my credit card each month, but I had in fact unintentionally set up a minimum payment due schedule. The minimum payment due schedule would subject me to significant interest payments on the balance. I was able to correct the schedule, I think, but it took considerable time by phone to confirm. My complaint is that B of A has known of the confusion their on-line payment system creates but are slow to fix because they have benefited from penalty fees and interest payments. I suspect that the elderly are particularly subject to this confusion and that a check of records would reveal disproportionate fees paid by this, my, demographic.

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 10/21/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Problems caused by my funds being low

Complaint: Outrageous over draft fee of Bank of America and Rude behavior of customer service rep when called for resolutionI am having Checking Account in Bank of America and I When Travel to XXXX on my XXXX and bank of America Does n't have any ATM's/Bank Center to Deposit the money to Meet Bill payments, When I have Bill payment scheduled to pay on particular day and During that Period on Travel ans also extended stay I ca n't able to deposit money to meet the bill payment and Bank of America need to facilitate some kind of method to handle with out having charges from other financial institutionsThe XXXX Over draft charges of {$35.00} each XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: Bank stole my money, there supervisor when ever it was time to replace she erase, knowing identity stolen, police report, false accusations, Went without XXXX, food, bills, Was given a XXXX dollars an supervisor took half back an refuse to give full amount, false accusations by this employee going on a month, threaten I had to go through her, her means of punishment, Knowing needed money to live. False accusations torture knowing need social security to live, there was know fraud, it was a way to tell XXXX XXXX XXXX woman, XXXX attack she will suffer which did, contract States any fraud money be return, fraud was issue by merchants an stolen card, supervisor blocked half payment when fraud acknowledge money should be given in 2 days, supervisor said another 11 days, Harassment by this supervisor putting life in danger, Police report acknowledge hacker, identy theft, an proof of hacker in there bank, XXXX attack, XXXX  financial abuse, card stolen, account broke into twice merchants tripple payments, an hacker tried to take XXXX dollars which was decline, They would rather label me a criminal, with no evidence, Supervisor have threaten me an employer I had to come back, if not she will keep the rest off food money an XXXX payments. It has been verified identy stolen, Supervisor of fraud unit continue to lie because off the false accusations, I return call she continue to take my money an make me wait for over a month, she continue to label a criminal, an erase supervisor who try to give me my money to survive,

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 04/22/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am complaining against chexsystems today because I am having issues with Idenity theft. I have ordered my chez-systems on several occasions and just received it on XXXX XXXX. I called the number listed and I am being helped by some type of outsourced employees who are of no help at all with the issue I am dealing at hand. I am having a big problem with Identity theft to the point where I have gone to social security requesting to change me social security number because this has been an ongoing deal. There are several fraudulent attempted account openings in my name where it has left me with fraudulent inquiries on my report. I refiled another police report with the XXXX XXXX Sherrifs department and I have tried to get some help from Chex-systems in getting these removed but the incompetent employees answering the phone in chex-systems is not helping me. I am going to attach my police report Via CFPB portal and the fraudulent inquires on my chez-systems are as follows. 

1 ) XXXX XXXXXXXX2 ) XXXX XXXXXXXX3 ) XXXX XXXXXXXX4 ) XXXX XXXXXXXX5 ) XXXX XXXXXXXX6 ) XXXX XXXXXXXX7 ) XXXX XXXXXXXX8 ) XXXX XXXXXXXX9 ) XXXX XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Had home mortgage through US Bank. Wife got injured on job in XX/XX/2014, could n't make house payments. Tried selling house since then. Found job in another state and had to up and move for better job. Have been trying to do short sale since XX/XX/2014, with US Bank giving us the run around ( never calling us, never telling us the short sale expired ) and this has been going on from XX/XX/2014 to now. We 've actually had to let buyers go several times because US Bank has been dragging their feet on the short sale. As a matter of fact, we now have an offer again on the house but our realtor ca n't do anything because US Bank is saying once again that our application has expired so we are in the process of starting over again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Application, originator, mortgage broker

Complaint: Back in XXXX, I was working with a gentleman by the name of XXXX XXXX from Wells Fargo while looking for houses. He told me I was pre-approved for a USDA loan of up to {$100000.00}. I found a house for well under that ( {$64000.00} ) In XXXX and began the process of applying for a mortgage. The closing date was set for XXXX. I had signed a loan estimate stating I was going to need about {$4500.00} for closing costs the end of XXXX. The amount of money I was going to need to close kept changing per XXXX and XXXX. One minute I would need {$4500.00}, the next it was {$6000.00}, then it was {$7000.00}. This continued to happen even after I signed the Loan Estimate. They all promised I would not need the entire amount, but I was to have it handy " just in case ''. I had decided to get a second opinion from another mortgage company. The gentleman there looked at my estimate and noticed quite a few unnecessary charges that were tacked on in random areas. He also noticed it was not a USDA loan, like my pre-approval letter stated. This estimate was for an FHA loan, which is why my closing costs were suddenly going to come out of my pocket. Unfortunately he was unable to help with getting me a mortgage because he would need to delay the closing date. Since the house I had wanted was a bank-owned home, delaying the closing date would cost me {$150.00} a day. Three weeks before my closing date I called XXXX because I had not heard from him or the Mortgage Consultant ( XXXX ) in two weeks to see the status. XXXX had told me he had quit over a heated argument with his boss and was no longer with the company. I was to report to XXXX from now on. XXXX was very hard to reach via phone or email. Once I finally had gotten a hold of her she told me I was STILL not approved for the actual mortgage yet, and the underwriter was requiring me to submit unnecessary paperwork such as my New York State LVT license. Even though I had not been approved for my mortgage yet, they had already ordered for me to pay for the appraisal on the house. XXXX finally called me back on XXXX/XXXX/16, she stated that the underwriter will not accept my mortgage contract unless I have {$11000.00} for closing costs because they will not approve me for the mortgage unless my personal loan of {$3800.00} was paid off in full, which has been on my record for 4 years now, and XXXX was well aware of when I was pre-approved. I do n't understand how the prices of my closing costs kept changing, and how I was even pre-approved in the first place. Since I was two weeks away from closing on this house by now, I was forced to forfeit the home. Being a first time home buyer I have become very nervous about buying my first home and I will not even look at homes from now on because of this experience.

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 11/23/2016 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Account opening, closing, or management

Complaint: l am not one to complain but in this case l feel l must. 
HSBC breached my privacy by giving my sister all account balances and activity for myself and my parents. 
When I learned of this I contacted the branch manager, XXXX XXXX. He sent me a letter of apology for what had happened ( see attached ) and admits to an unintentional oversight. Apparently her " buddy '' in the branch had no problem giving her whatever she asked to see. 
This oversight caused a legal battle due to information that was given to my sister that she had no business knowing. 
Although this happened in 2013, Litigation is still currently in the courts relating to this unthinkable act precipitated by the bank. 
I always thought my confidentiality was between me and the bank and never to be compromised. 
I recently contacted HSBC 's legal department ( see attached ) and was sent a two word answer. They did not want to hear it, help, and was totally disinterested. 
When I questioned this response, lwas told to contact the two regulatory agencies with the complaint and they would then get it back and at that point they would have to re-examine. 
Needless to say, this unintentional oversight has cost me great monitory hardship, not to mention the legal fees. 
I am asking you to investigate this breach of privacy. 
Thanking you in advance for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: We closed on our house in NJ on XXXX/XXXX/2016 and we are still waiting for our escrow check. Since the XXXX or XXXX of XXXX we have been calling them every week, and we get a different story about the check every time we call. Since out first call in XXXX to this day XXXX XXXX, They have supposedly sent out XXXX checks due to us not receiving the first, the second and the third check. They also told us they were going to do an investigation on the first check we never received to see if it had been cashed. And of course when we inquired about it they told us it was internal information and that they could not tell us what happened to the check. Now there saying that it is the Us post that keeps losing the checks, however they could not present any real truth to this as they were not able to give us a tracking number for these checks. Regardless, if this was the case would they not be willing to resolve this issue with the post. 
The company is called Roundpoint mortgage and is located at XXXX XXXX XXXX XXXX XXXX, NC XXXX Can you please help us. We are at our end!!!!!!!!!!!!!

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 10/22/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I had an checking account with Bank of America my wallet was stolen by some one close to me who knew my banking information and they attempted to deposit multiple fraudulent checks into my account at once I called the bank to report fraud on my account after they doing there investigation they found that it was actually fraud and that I did not have anything to do with and closed the account, I just wanted to open another checking account with another bank or the same bank but I can not do so I wanted learn more about why

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 02/19/2017 about Debt collection (I do not know) with HOVG, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently received a letter from this company demanding payment for an account I have no knowledge of.To my knowledge I have never done business with this company and they have never provided me any goods and or services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: Bank of America has allowed suspicious activity take place with my account on numerous occasions and I do not understand why. XX/XX/2016, I first noticed that a new account was created in addition to the account that I already had. I have closed that new account and notified the credit unions. Since XX/XX/XXXX, I have been attacked again in XX/XX/XXXX and now again XX/XX/2016. BOA has allowed transactions to be processed from my checking account without the access of a Debit card from different towns and cities I do not usually travel to ; also while waiting on my fraudulent activity claim to finish being processed, another transaction was able to go through now with NO active Debit card.

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 04-10-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax continues to report information on my credit file that is not mine. I have filed numerous disputes with the agency to no avail. I have called the US Bankruptcy Courts-XXXX who Equifax alleges furnished the information at ( XXXX ) XXXX. The Courts informed me that they did not furnish the information to Equifax. Equifax refuses to provide me with the name, phone number and/or address of the Company who allegedly verified the inaccurate information. The following accounts are not mine and are inaccurately reporting on my consumer credit profile ; 1 ) US BK Court-XXXX # XXXX XXXX ) US BK Court-XXXX # XXXX XXXX ) US BK Court-XXXX # XXXX I have provided all documentation required of me by law and Equifax continues to violate my rights. The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Equifax has provided false and misleading information that the Courts have verified the inaccurate accounts when in fact the Court has not verified or provided the Consumer Reporting Agency with any information. These inaccurate accounts have hindered me from gaining credit and I also have been denied credit do to the frivolous accounts.

Company response to consumer: Closed with explanation