milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-09-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX I applied for a HELOC in the amount of {$80000.00} and was approved. In XXXX I requested an increase to {$180000.00} and was again approved based upon an appraised value of {$500000.00} on my home. Instead of increasing the LOC, they created a new LOC as requested, they created a separate LOC in a XXXX subordinate position, so I now had XXXX HELOCs. There was already a 1st mortgage in place of {$300000.00} with another bank. When the recession hit in XXXX, my home dropped in value to {$320000.00} and has not fully recovered. In the past 4 years I have tried to get a modification on XXXX Lines, went through intensive documentation requirements and was turned down without recourse each time, most recently this summer. Even my " Customer Relationship Manager '', XXXX XXXX, said I should be able to get this modification because " these types of loans are terrible. No one can afford to pay them down when they increase your payments by 3Xs. '' I am currently making about 25 % more income than I did when I was granted the loan, but the original loans were not based upon my ability to pay both principal AND interest, only interest. The first LOC went to term last year and the payments increased from $ XXXX/month to $ XXXX/month. Two months ago, the 2nd LOC went to term and the payments increase from $ XXXX/month to $ XXXX/month. The bank has not worked in good faith to try and remedy this situation which has developed on a loan that should not have been granted in the first place. I can not refinance due to the lack of equity. I owe slightly more than the value of the house. Selling presents a similar problem. From their website, they claim, " The goal of a home equity loan modification is to help you with a financial hardship. Depending on your current financial situation, you may qualify for a modification of your term, interest rate or monthly payments, or a combination of XXXX or more of these loan provisions. You may be eligible for Bank of America Home Equity Assistance if : Your home equity account has been open for at least XXXX months You have n't received home equity assistance once in the past 12 months, or twice in the past five years You 're experiencing a financial hardship, such as reduced income or divorce If you 're not eligible, you may still have options. You may qualify for other forms of home equity assistance, including : Repayment plans of up to 12 months to help you catch up on past due payments Payment extensions of XXXX to three months '' None of this has proven to be true. Please help. 



You 're able to repay the loan

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 11-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The agency re-aged a debt of {$640.00} without my permission, showing an opening date of XXXX/XXXX/16. I have not had service with XXXX in the last 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (VA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: There is significant threat. Debt collectors and identity thieves called my number [ automated ] and requested that I call their number. It is collection method and typical corruption. I suspect securities fraud/organized crime which has some behaviors and/or actions of insider trading or tax evasion. As a reminder., the call came in exactly at XXXX on XXXX XXXX, 2016. Never forget that someone [ who bribed agents ] got away with the same kind of evasion on XXXX XXXX, 2016. You remember? That is or exceeds {$680.00} XXXX in discrimination/extortion damage. I might contact the Do Not Call Registry if my suspicions or dislike to the FTC counselors would not totally XXXX [ procurement ].

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (Credit card debt) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Company with the phone # XXXX has called me repeatedly and told I owe a debt which I paid seven years ago. Told me I would be served by the county clerk 's office and that I would have a lien put on my assets and that they have recordings of me vowing not to pay. 

She claims that its XXXX or XXXX. I have never received a single piece of documentation. This is distressing and wrong! Other ppl have complained about them at this website XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Auto) with MacDowell & Associates, Ltd. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The judgment was satisfied trough wage garnishment which was paid off in XXXX. This debt shows as paid on my credit report. 10 years later, MacDowell & Associates sends a wage garnishment for the exact same amount that was already paid to them. This debt has been paid. The judgment was entered in XXXX and paid off by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Called customer service to ask for a forebearance, was directed to hold for over 4 hours with no human answering to deal with my inquiry, and during the holding an automated message directed me to a nonexistent concierge service for scheduling a callback. All of this happened between the hours of XXXX and XXXX CST on  XXXX XXXX, 2017

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Prepaid card (Payroll card) with U.S. BANCORP (MO).
Issue: Managing, opening, or closing account

Complaint: US Bank will not allow me to close the account. They told me that if I close the account the funds would stay on the card and that I can not get a check or have the balance of the card transferred by ACH to my checking.

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 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XXXX/XXXX/XXXX I sent certified letter, XXXX, via US Postal Service, to TransUnion XXXX, disputing inaccurate reporting of bankruptcy on my credit report. 
XXXX See attached letter ). 
The letter was signed by a representative of their company on XXXX/XXXX/XXXX. 
At the 30 day mark, which was on XXXX/XXXX/XXXX, I did not receive any correspondence, nor had any changes made to my credit report. 
On XXXX/XXXX/XXXX I sent certified letter, XXXX, via US Postal Service, again regarding the inaccuracy of their reporting and notifying them of their violation of Federal Law, by not replying to my initial request in a timely manner. The letter was signed for by a representative of their company on XXXX/XXXX/XXXX. 
( See attached letter ). 
On XXXX/XXXX/XXXX, which is well over the the 30 days allowed to complete an investigation as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), TransUnion XXXX sent a letter stating that the results of the investigation was " information updated. '' Again, NO changes were made to my credit report, i.e. ; removal of the inaccurate information or that there was a dispute note added to the listing on my credit report. 
On XXXX/XXXX/XXXX, I sent a letter to XXXX XXXX, a third party vendor reporting agency, disputing the accuracy of bankruptcy on my credit report. 
( See attached letter ). 
On XXXX/XXXX/XXXX I sent certified letter, XXXX, via US Postal Service, to TransUnion, XXXX, along with a letter from The United States Bankruptcy Court,  XXXX XXXX XXXX Pennsylvania, stating that they do not have any relationship, nor provide credit reporting agencies with any information. 
XXXX See attached letters XXXX. 
On XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX, I received letters from TransUnion XXXX, stating that the results of the investigation was " verified as accurate. '' On XXXX/XXXX/XXXX XXXX XXXX responded to my initial letter dated on XXXX/XXXX/XXXX, and deleted information in their bankruptcy records based on my dispute related to case number XXXX. 
XXXX See attached letter ) I am filing this complaint today in order to have TransUnion XXXX, remove this inaccuracy from my credit report. 
They violated federal law by not responding to my initial complaint within 30 days, as well as ignored a letter from The United States Bankruptcy Court stating that they do not provide information to credit reporting agencies. 
The letter from XXXX XXXX CLEARLY states that bankruptcy information has been deleted from their records.

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 05/21/2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Filed a complaint against BSI XXXX 2016. Sent my payment in on XXXX XXXX, 2016, they alleged it did n't arrive until XXXX XXXX, 2016. I feel as though I am being penalizing for complaining. It does n't take 5 business days to post. Either someone held the payment or did n't check the XXXX XXXX on the XXXX. 

Secondly, I want to a full explanation of the {$350.00} fee charged to my account ( XXXX ) that they refuse to explain. I also want a full refund based on the reply given for the prior complaint. I do n't want a credit, I want refund.

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 09/30/2017 about Debt collection (I do not know) with TMX Finance LLC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Not my Loan, do n't know the person.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from this company alleging that I owe them a debt and that they provided me with services. I have never done business with this company and nor have they provided me with goods or services

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 03/23/2017 about Bank account or service (Savings account) with TD BANK US HOLDING COMPANY (CT).
Issue: Deposits and withdrawals

Complaint: I depostited {$250.00} to a passbook savings account with TD Savings bank on XX/XX/2010 in the name of XXXX w/ XXXX and XXXX XXXX the day XXXX was born. I went to the bank last year to withdraw it. They said they did n't have it and they stated that they sent it to the State of Connecticut. I called the State of CT and the STATE said they do n't have it and asked the bank to supply the " line item info '' if it was in fact sent to them. I have been to the bank 2 times since. The bank manager takes copies of the passbook and states they will get back to me but they never do. It has been a year. Can you please help. I want my grandsons {$250.00} with interest

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Account is not mine, I did not pay or have a collection balance with XXXX, I have current service and always pay on time. This is unverifiable and inaccurate data

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 06/14/2015 about Debt collection (I do not know) with Stellar Recovery, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX, 2015 I received a letter from XXXX XXXX XXXX stating that I owed a debt for XXXX. I mailed them a letter via certified mail on XXXX XXXX, 2015 for a request for Validation of Account. As of XXXX XXXX, 2015 I have not received a response for validation. 

Stellar Recovery called me on XXXX XXXX 2015, in an attempt to collect debt concerning XXXX XXXX. I verbally requested that they contact me through writing in the mail. To this date I have not receive any correspondence from Stellar Recovery, yesterday I received an alert from my credit monitoring and Stellar Recovery has placed a flatulent account on my credit report without sending me ANY notification prior to placing this alleged collection on my credit report. XXXX company stating that I owe for the alledged same account with different amounts owed, without sending me any validation of account that was requested has violated my rights by not sending me any written notice as requested and required under FCRA and FDCA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: i noticed on my credit report XXXX XXXX  account number XXXX having incomplete and inaccuracies. i have tried to dispute this item and it still remains. now i have proof the no real fair and thorough investigation took place. i never received proof of this investigation they claim its been verified but have yet to send my any documentation on how and why it remains. first off XXXX doesn't even have an account number listed on this account and the open date is incomplete its XX/XX/2016 not XX/XX/2016. the same company reports to all three bureaus so they should all reflect the same information. if not how would anyone know that the account is accurate? it is also missing payment history and payment history is not the same across all three bureaus. incomplete and inaccurate accounts must be deleted per the FCRA and FDPCA. it shows on original amount of XXXX and a current balance of XXXX but no payment history ever. how can that be if there was no payment? and if there was a payment then it is not listed which is incomplete. either way incomplete or inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In XXXX XXXX I signed up for bankruptcy. Unfortunately due to financial hardship, I declined the bankruptcy option. My case was dismissed XXXX XXXX, XXXX. Equifax is currently incorrectly reporting Bankruptcy case # XXXX ( see attached bankruptcy file ). They are reporting the bankruptcy was filed in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Central Fincl Control. They have I 've attempted to dispute multiple times however no response on their end. This credit bureaus acc Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against Central financial control in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XXXX I put a fraud alert on my credit bureau file with Equifax. As of XXXX/XXXX/XXXX I had the fraud alert removed and noticed 21 unauthorized inquiries were listed on my credit report with Equifax during the time that I had a fraud alert. I disputed the inquiries in XXXX XXXX with Equifax as unauthorized and fraudulent. In response to my dispute Equifax sent me the attached letter saying that the 21 inquiries were a factual record and refused to remove them. I have tried disputing these inquiries with Equifax and the companies that put inquiries on my report. Equifax is telling me to contact the companies and the companies are telling me to contact Equifax. I am getting nothing but the run around. I need these inquiries removed as they are not mine. According to the FCRA I have the right for my credit report to show accurate information. Please help me. Equifax knows that these inquiries are fraudulent because they did not provide how they verified this information as I have requested several times. I am pretty sure that most of these inquiries were part of the Equifax data breach in early XXXX. I sent out letters to each company directly its been over 60 days and I have not received a response. To my knowledge all consumer reports should be true of whats being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have contacted the credit bureaus XXXX and Transunion about inquiries that were not authorized by me and asked to verify them in writing in which they did not and they are still present on my report. Also my credit report has n't been updating properly through the XXXX XXXX website for approximately 2weeks now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX/XXXX/XXXX I logged into my Wells Fargo account and saw that there was an overdue balance of {$27.00}. When I called, they said that they upgraded me to a XXXX XXXX card since I was a valued customer and that because of this upgrade, my payment increased to {$62.00}. They replied that I was suppose to " Opt out '' if I did not want this card. After much ado, they agreed that they would write off the {$27.00} and " downgrade '' my card but that I am still considered past due. I then asked if this would inpact my credit score and they said yes, it was possible. I did not charge anything and did not authorize an increase or upgrade. They should not be allowed to charge more money anytime they want and then say to the consumer that it is our job to " opt out ''. 

Why is a company allowed to upgrade me and charge me more money without my consent? This seems to be what got Wells Fargo in trouble to begin with. 

I have asked them to provide me with a letter so that I can send to the credit bureau since they said it most likely was reported as being a late payment. Someone is supposed to call me back from claims management. Ridiculous practice! 

Please review this practice.

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 06-08-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On   XXXX   XXXX   I sent a payment of {$5000.00} towards the principle to  Santander Consumer USA. The extra payment I sent was not 100 % applied to the principle. They took a percentage and applied it to the principle and the other percentage was taken for interest.   <P/> I had received statements in the past, but did not receive the statement for the month of  XXXX  from  Santander Consumer USA reflecting the {$5000.00} amount I s ent. The last statement I received was on  X/XX/2017   . This statement did not reflect that payment of {$5000.00}. I reached out on   XXXX     because I was worried they had n't received it. It was then that I was told that {$4900.00} and change was only applied to the principle and the rest was taken for interest. The rep that helped me did not know why the whole {$5000.00} was not applied to the principle. As mentioned above, they never sent me the statement reflecting this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In 2011 my doctot 's office submitted a claim to XXXX XXXX for {$220.00}. This bill was an office error in coding to my insurance company and was resolved and paid in full by XXXX. I visited the doctors office accounting today and they show no balance due. I contacted XXXX XXXX be phone today and they show no balance owed. They said to contact Equifax and have it removed, as it was removed or recalled by my doctor 's office. I do not owe, nor have I ever owed this bill since 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a pending judgement from XXXX XXXX. This is incorrect. There is no pending judgement. This account is showing under my bankruptcy with XXXX XXXX, not pending

Company response to consumer: Closed with explanation