milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Today, XXXX XXXX, XXXX XXXX people came to my home and refused to leave after I informed them they were trespassing and loitering. Not only did they not immediately remove themselves from my property, the adult male proceeded to walk around the exterior of my house and peek through my windows, a classic peeping tom move, and contined to jiggle my door knob trying to open my front door. These are the same XXXX of the XXXX people who came to my home on XXXX XXXX, XXXX. I told these XXXX to leave and not to come back. After the adult male told me I have to leave ( meaning I must vacate the property ), I told him if they believe they have a right to place themselves on this property to take the matter up in California XXXX Court, but to cease and desist bothering me about it by coming to my home harassing me. I have made it clear to these people I have nothing more to say to them and anything they may have to say to me is most appropriately said in court, not on my porch. 

XXXX ) Invasion of Privacy. 

Bank of America has caused all manner of folk to come onto my property since the unlawful recording of the Notice of Default of XXXX XXXX, XXXX as dual tracking is prohibited since the modification process has not yet been completed. And now I am being told to get out of my own home. 

All previously mentioned resolutions are desired and mandatory.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My apartment rental company accidentally pulled my Equifax report multiple times. They acknowledged the error. It was very difficult to get it fixed, but ultimately the inquires were removed from the report. I noticed a few months later they were re-inserted. I filed a dispute and all I am getting from Equifax is them saying the inquiries are valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/14/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Borrower received a permanent modification offer. It was received via email on XXXX/XXXX/2016 from the bank 's attorney, XXXX XXXX XXXX at XXXX, XXXX, XXXX XXXX. The borrower came in on XXXX/XXXX/2016 to sign and notarize the documents. On that day, I, XXXX, contacted both Caliber Home Loans, and the attorney 's office in an attempt to collect the label that, in the documents, was supposed to be attached. In my conversation with XXXX, I was given the address to MAIL the documents to, and was assured that it would be " okay '' if the documents got there late. The attorney did not respond to me until XXXX/XXXX/2016, XXXX week later. She attached the mailing label in that email, but, per my discussion with Caliber on XXXX/XXXX/2016, I sent the documents via USPS. The borrower called to make XX/XX/XXXX payment and was told that the case was " closed '' and that the borrower needed to reapply for a modification, as the documents were received after the due date. The documents were not received by Caliber until XXXX/XXXX/2016, and they were due XXXX/XXXX/2016, the date that the lawyer 's office sent the label. Please see attached. I escalated the case on XXXX/XXXX/2016 through Caliber, and was informed today, XXXX/XXXX/2016, that they stick to their decision to close the case and the borrower needs to reapply.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Mortgage (FHA mortgage) with U.S. BANCORP (MO).
Issue: Incorrect information on your report

Complaint: I filed bankruptcy XX/XX/XXXX. On XX/XX/XXXX I signed a reaffirmation agreement with US Bank for my mortgage loan. On XX/XX/XXXX US Bank Representative XXXX XXXX signed this reaffirmation agreement for my mortgage loan. On XX/XX/XXXX my bankruptcy was discharged. Around XX/XX/XXXX I checked my credit report from all three bureaus. I noticed that my mortgage loan from US Bank was not being reported to the credit bureaus. 

Since I got this mortgage loan in XX/XX/XXXX I have never missed a payment before, during or after my bankruptcy. I feel this would have a positive effect on my credit report as I'm trying to improve it after being discharged from my bankruptcy. I talked with my attorney and they sent the signed reaffirmation agreement to US Bank. I received a letter from US Bank a few days after they wrote the letter on XX/XX/XXXX. The US Bank letter stated that all I needed to do was send a letter or email to US Banks Mortgage Servicing Credit Reporting Department asking them to reinstate the reporting of my mortgage loan. 

I sent an email to US Banks Mortgage Servicing Credit Reporting Department on XX/XX/XXXX asking them to reinstate my credit reporting for my mortgage loan. I never received a response to the email so I wrote a letter on XX/XX/XXXX to US Banks Mortgage Servicing Credit Reporting Department asking them to reinstate credit reporting for my mortgage loan. I received a letter on XX/XX/XXXX, stating that US Bank would not reinstate credit reporting for my mortgage loan as it was included in my bankruptcy. On XX/XX/XXXX I called US Bank customer service asking why US Bank denied my request even though I have a signed reaffirmation agreement for my mortgage loan. The US Bank customer service representative stated that they could not reinstate credit reporting for my mortgage loan and I would need to write a dispute to all three Credit Bureaus. 

On XX/XX/XXXX I sent dispute letters with documentation to all three credit bureaus asking them to have US Bank report my mortgage loan information. I received a letter from XXXX   on XX/XX/XXXX saying they corrected my information. XXXX did not correct what I disputed. XXXX put a reaffirmation remark on my US Bank credit card and did not do anything relating to my dispute for my US Bank mortgage loan. I filed another dispute, online, with all documentation to XXXX on XX/XX/XXXX. I am awaiting a response to that. 

XX/XX/XXXX I received a letter from XXXX and XXXX stating that they can not make any changes because US Bank is not reporting my loan information to them. I am now writing a complaint with the CFPB as I could not resolve this issue with US Bank or any of the three credit bureaus and I would like to have my mortgage loan reported to the credit bureaus so I can continue to improve my credit report/credit score.

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 06/30/2017 about Checking or savings account (Checking account) with M&T BANK CORPORATION (MD).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: In 2013, I open a M & T account for direct deposit. Without notice, a lawyer somehow put a freeze on my checking account. I was n't aware of the freeze until I went to use my check card. I was not given any notice that my account was going to be put into a freeze status. After I went to court and explained to the judge what happened, he released the freeze from my account. I closed the M & T checking account because I was not happy with the way they put my account into freeze without letting me know first. Later, I was charged by M & T bank for extra fees for some very small unauthorized charges. I 'm not sure what these charges for or why they were put on my account, but I was held accountable for them being charged {$38.00} fee on a {$1.00} charge, etc. This was done three times for very small charges. I was n't made aware that I had a balance until I went to have my name added to account with my husband at XXXX XXXX this year. XXXX XXXX would not allow me to establish a joint checking account with my husband because they said I had an outstanding amount to pay at M & T. I need these charges to be investigated because I feel they were unrightfully charged against my account at M & T and wrongful bank fees were applied giving me a negative rating with XXXX XXXX  for minor unauthorized charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Commercial Recovery Systems (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XX/XX/XXXX I filed bankruptcy however, XX/XX/XXXX I started getting phones from Commercial Recovery Systems telling me they was trying to collect debts on XXXX accounts from XXXX that were included in my bankruptcy. Well these calls where by far normal debt practices they was harassing and threatening. They was calling me all hours and my work. Causing emotional and stress not only calling me but my father. You will see I filed a law suit and I recently see the FTC has a law suit against them.

Company response to consumer: Untimely response
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am writing this letter to file a complaint against Trans Union regarding making numerous request to investigate my consumer file. I believe that my Identity has been stolen because I am having a lot of issues retrieving any Credit information such has Credit Reports and Credit Score from all 3 Credit Bureaus. When companies are processing my applications for a credit card or a loan they are informing me that no credit history exist for me or that I have delinquent accounts. When I log into XXXX XXXX a message appears that my credit information does not exist and that I have to mail or fax in copies of documents so that they can review it. I have submitted copies of the following documents ( Birth Certificate, Social Security Card,  Birth Certificate, Florida Driver 's License, XXXX Statement ) to XXXX XXXX, Trans Union and to XXXX XXXX numerous times for their review and to this day still no response. In XXXX XXXX I was approved for a Car Loan and purchased a car which I have been faithfully paying on time. I also was approved for a XXXX Card and been faithfully paying that account on time as well. By now having those 2 accounts should have helped restore my credit history and generate a Credit or FICO score for me.

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 09/17/2017 about Credit card or prepaid card (Government benefit card) with Comerica (KY).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: On XXXX I had 3 fraudulent charges on my XXXX XXXX card from XXXX XXXX XXXX the transactions took place in California., I live in Kentucky XXXX I called the XXXX XXXX XXXX and told them these were fraud. I called California state police they said call the Kentucky police. I did they said call California. The transactions started about XXXX XXXX central time on XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> 
XXXX XXXX XXXX store XXXX {$810.00}, XXXX XXXX XXXX store XXXX {$340.00}, XXXX XXXX XXXX store XXXX {$87.00}. I called the stores they said the purchase was suspicious. I informed the stores they were fraud. My card and Pin have never been out of my possession. On XXXX I immediately called XXXX XXXX to inform of the charges, they canceled the card and gave me a new card and instructed me to destroy the old card and I did. I was not able to file a Reg E claim on this date. I could not get thru to level 2. Since this has happened I have called over 50 times to make a Reg E claim. The bank  is refusing to allow me to make a Reg E claim. They level one operator tells me each time I will have to speak with the level 2 operator. I told them not to transfer me to level 2 until they could get a human on the line from level 2. I told the level one operator I  need to file a Reg E claim and get provisional credit they say talk to level 2. I have called every day since XXXX I have a call log upon request. I did get thru to a level 2 person one day and she said her computer was down and I would have to call back. The bank is refusing to let me make a Reg E claim. I have not been given provisional credit for the fraud charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/17/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I had been a customer at Wells Fargo Bank ( and their prior named financial institutions ) for over thirty ( 30 ) years. I had an unblemished checking account. 

In XXXX 2016, they allowed a female caller ( I am male ) to have full access to my checking account. Wells Fargo provided statement information ; blank checks ; and changed my mailing address. They also allowed that person to open on-line services to my account. 

Wells Fargo then closed my account, but told me that they would open a new account for me, as well as cover all of the checks from the closed account. I gave them a ledger of outstanding checks. 

I filed an identity theft police report and provided Wells Fargo with a copy of said report. 

Wells Fargo then allowed the female caller to gain access to my new account. 

Wells Fargo then closed my new account and when they tried to open a second new account, they informed me that I was a high risk ( due to the ID theft ) and that they could not open a new account for me. 

Wells Fargo then refused to give me my money back. 

Wells Fargo has refused to provide me with a copy of the recorded calls from the female caller. 

Wells Fargo 's bank manager went into the public hall with me and announced in a very loud voice that he was wondering what I did criminally to have Wells Fargo close my account. 

I then received a letter from Wells Fargo that advised that they made a " business decision '' not to do business with me anymore. They also entered derogatory information about me on some eternal bank system, alerting other financial institutions that I was a " risk ''. 

Again this all stems from being a victim of id theft, all at the hand of the lax security procedures of Wells Fargo. 

Wells Fargo also " bounced '' the checks that they promised to honor.

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 01/29/2018 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (NV).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Kept contacting former employer, and family after I've asked them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: During a background check for my new employer, I was shocked to find address for my in other States that I have NEVER resided. I immediately notified each credit bureau and had a fraud alert placed on my Social Security Number. In addition, I have repeatedly disputed the following inquiries and nothing has been done. Additionally, I only request credit for myself under XXXX XXXX XXXX and that should be the only name on my record. I would appreciate the removal of the following hard inquiries on my credit file : 1. XXXX XXXX - XXXX XXXX 2. XXXX/XXXX/XXXX - XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX 14. XXXX XXXX 15. 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 non-monetary relief
Consumer complaint received 08/30/2016 about Debt collection (I do not know) with National Credit Systems,Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A death occurred in my apartment while I was away from home for about a week. When i came back it was a month before my movout date but felt early departure was nessisary due to the current circumstances. Upon looking for a new residence to live in, 10 months after i moved out, I am finally notified of the remaining balance owed to my apartment managment. I called my old apartment complex to try and resolve the issue. They insisted that I come by in person and pay the full amount, totaling over {$5000.00}, in cash. I called the collective agency and they informed me that the aprtment complex was legally obligated to resolve this debt through a collector, but they had no documentation of a claim. I myself had to coordinate between the debt collector and apartment to get a claim filed. This took about a week and by the time it was filed my apartment was under new management. I decided to go in person and speak with this new manager. She told me that she was not informed about the situation at all, so we went over my account and she was appauled with how many unnecessary charges were present. Not only did she deduct about {$1000.00} worth of charges, she also told me that the previous managment had never recieved my former roomates social security number and there was no way to contact him or hold him liable for any part of the debt. At this point the consistancy of unprofessional occurrences led me to the believe that this dispute was nessisary. Not only did they try and over charge me AND pocket the money without going through an agency, but the lease was faulty from the beginning, and they knew i would be the only XXXX able to be held liable for any charges upon moving out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (Other debt) with KEYCORP (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I am requesting that the alleged debt be waived because of the following exceptional circumstances : My father was diagnosed with a health problem that has impaired his ability to work  and drive .   Giving his current financial status and health problems he can no longer fulfill the terms of the original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I was a co-signer on an original student loan, my son refinanced it through Discover student loans. 

They call me at all hours, leave messages. They leave their number but never a name of the company. Just that it is an important business transaction WHen I speak to them the payment is not overdue, they are calling 5 days before it is past due. I direct them to check their on line system, and when they do every time the rep. says that the payment was made within the last XXXX or 36 hours. Then they hang up. 

I have told them time and time again, I am only the co-signer possibly, and not to call me until the debt is overdue, and they refuse to accept this. I get these calls regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Debt collection (Private student loan debt) with Key 2 Recovery, Inc. (AP).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Company : Key 2 Recovery I am currently serving in the military and was informed that the private loan I had taken through college had gone to collections under a total of {$19000.00}. I received the notification in XXXX 2016. I responded with a letter claiming the Civil Relief Act that would lower the interest to 6 % and also requested verification of the account. I received a response which listed my principal amount as being {$13000.00} and an additional debt of {$6500.00} listed as " collection cost. '' No proof of contract for the private loan was included in the correspondence. The company said nothing about honoring the Civil Relief Act. Since then, we have receiving phone calls threatening that my situation has been " escalated. '' I have not yet called to request clarification for this threatening statement. 

To date, my debt has been in collections for over a year. However, it has never been officially listed in my credit report. Insofar, I have not yet taken action as I question legitimacy of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have reached out to XXXX who has responded, however XXXX, Equifax and XXXX still reports fraudulent inquiries from a XXXX account that someone fraudulently attempted to use with my social security number. I still show the following inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MO).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2016 I was contacted by USAA Bank but no message was left. When I called them back, I was sent to the main menu where I checked my balance, at that point I was made aware of an unusual balance of over {$4000.00} in my checking account. I knew that was unusual and called to report it. The rep. XXXX from member security stated that a deposit of {$4600.00} was made, after some questions I was confused due to the medications I take as a veteran and stated that the only possible reason for the deposit was if my father had sent the money. I was not completely sure and was merely stating a thought. I was then asked if I had withdrawn money and I confirmed that I had at some point withdrawn money that week but could n't remember the day or the exact amount. I was then told someone had called in as me and had access to my entire account and it was now under lock. 
I tried to explain that I have been the victim of ID theft thru XXXX XXXX Inc. and did not commit any fraud. 
I was contacted on XX/XX/XXXX by the original USAA XXXX, who badgered me with questions stating I was committing fraud and being held liable. 
I was then contacted by XXXX in the USAA XXXX. that I was going to be held liable but I was not provided any reason as to why.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief