milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Bank of America has not allowed me an avenue to show proof of recent hardships regarding loan modification. Enclosed, you will see letters from the bank regarding the upkeep my my property and current damage. 

Bank of America will not give me a contact with Email to send this information. They are not working me to find resolve. 

The assigned, yet, another lower level representative who has not reached me. I left XXXX messaged.

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 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I purchased a car in XXXX/2017 the car dealer sent my information to over a dozen financial institutions. each inquiry on that day was counted as a single inquiry and lowed my FICO score significantly. this was reported to each of the 3 credit reporting agencies. 
I reviewed my file and noticed the same thing happened a couple other times.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: private loan company NAVIENT certified my student loan under conditions of False Certification of Ability to benefit. 
Navient certified my student loan for XXXX XXXX XXXX XXXX Now located on XXXX XXXX XXXX XXXX, TN XXXX on XX/XX/2006 without me having a high school diploma from United States, nor any transcript, nor did school give an entrance examination before I was admitted to the school. 
This action by Navient is clearly MISS LEADING student loan borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (DE).
Issue: Closing on a mortgage

Complaint: On XX/XX/17, I accidentally sent Citi Mortgage a {$620.00} payment, right before closing on XX/XX/17. I called CitiMortgage, who advised that the {$620.00} was rolled into Escrow, but my online account does not state this. I just received a breakdown of my escrow payments. It reads that on XX/XX/17, {$900.00} went into my escrow account, but does not break it down and state that it includes the {$620.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I saw that my student loan was raised by over {$5000.00} within a 30 day period when I 've been out of school for over 8 years. I attending XXXX in XXXX XXXX, Florida

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (UT).
Issue: Unsolicited issuance of credit card

Complaint: On XXXX/XXXX/16 my XXXX credit report showed that there were a Capital One and a XXXX bank hard inquiries. I called both banks and they both reported not to have any information on the matter. On XXXX/XXXX/16 XXXX reported again that Capital One had another hard inquiry for trying to open an account. I called capital one and they reported that as a matter of fact someone tried to open an account with Capital One. The representative said she closed the account that was opened on my behalf and report it as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Vehicle loan or lease (Loan) with Independent Finance Company LLC (CO).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I paid my car off in XXXX of this year, got my title no problems and now I have a problem with my credit report saying I was delinquent for 90 days I called them and she said she saw nothing wrong and told me to report it so she could fix it. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Toll free XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Co. 
XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CHARLES SCHWAB CORPORATION, THE (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I checked my personal credit report, which I acquired on XX/XX/18 and I noticed an unauthorized inquiry had been made. I sent out letters, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into the inquiry on my credit report to determine who authorized the inquiry.

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 01/28/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: On XXXX XXXX, 2016 I went to the official Equifax.com website and purchased what I thought was my full credit report with XXXX credit scores from the top XXXX credit reporting agencies, Equifax , XXXX and XXXX. I received my full credit report with credit scoring, which is not the XXXX actual credit scores. I understood that it was possibly my mistake, even though their language caused the mistake. I called Equifax on the same day, XXXX XXXX, and spoke with XXXX and asked what it was that I had bought. He told me that if what I prefer is the full report with the XXXX scores he would do the following : issue an immediate refund of my {$39.00} which would be posted to my account within 3-5 business days, confirmation number : XXXX. The next step was to purchase a credit monitoring trial for {$19.00}, which gives me exactly what I want, then cancel the next day, on XXXX XXXX, so that I am not billed for monthly monitoring services. I said I was happy to pay the one-time {$19.00} fee as long as I could cancel the following day and have a full refund of the first report. He said yes. 

On XXXX XXXX I now have my report with scores. I am pleased. Upon approved instruction from Equifax , I called back to cancel the trial. They told me it was cancelled and gave me a confirmation number of : XXXX. I did not, however, receive any email confirmation, as I had asked for, in both circumstances. Moving on. Before I ended the call I asked that they confirm my initial refund for {$39.00}. The service representative ( did not understand the name but he was male ) said that refund was not issued and that he would take care of it. Again, no email confirmation of this. 

On XXXX XXXX I still have no refund. I called Equifax and spoke with XXXX. He told me that no refund had been issued and that he had to escalate this to their investigations department who needed to review and approve such refunds and those take 7-10 business days IF approved. He told me this is how they all are handled and that he did n't know why the other XXXX Equifax representatives responded the way they did. Again, no email confirmation. 

Today is XXXX XXXX. It has been 22 days since this all began. I want my refund of {$39.00}. It is my hope that on XXXX XXXX, 2016 I am not charged with a monthly monitoring fee. If so, I 'll be going through this all again. Thank you CFPB for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (I do not know) with Financial Credit Service, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On Monday morning, XX/XX/XXXX, at approximately XXXX XXXX ( Pacific Time ), I  received a telephone call at my office from XXXX XXXX XXXX XXXX. 
The caller identified herself as " XXXX XXXX '' ( " Caller '' ) working for a firm collecting monies I owe " XXXX XXXX '' ( " Bank '' ). The Caller informed me I was about to be sued, and, in the instant case, she was working with an attorney in the office of the district attorney , County of XXXX XXXX. She said I would soon be served if I did not pay the amount due. 
The Caller 's tone was stern and her message intimidating and threatening. 
I told the Caller that I did not know the Bank. I advised the Caller she had contacted the wrong person. 
The Caller informed me I had made loan payments for five years and wanted to know why I had stopped making payments. 
I reiterated that I had conducted no business with the Bank, had made no payment to the Bank, and owed no money to said Bank. 
I told the Caller I was in my office and could not take personal calls, and, with no further comment, ended the call. 
Even though the Caller had been advised she was calling me at my office, on XX/XX/XXXX at approximately XXXX XXXX ( Pacific Time ), while I was in my office, my telephone registered a call from the same number from which the original Caller had called on XX/XX/XXXX. I did not answer that call. No voice mail message was left. 
During the week of XX/XX/XXXX, I received via United States Postal Service first class mail a notice from ARA , Inc., identifying the original creditor ( XXXX XXXX ),  the original creditor 's account number, the balance due, and the ARA, Inc., file number. The notice is included in the attached .pdf file.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I check my credit score on XXXX and see a debt from convergent which I have no idea what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Trouble during payment process

Complaint: RE : Complaint against Wells Fargo Home owner in Texas and my house was destroyed in hurricane XXXX. I did not have flood insurance and was forced to get an SBA Loan to cover the costs to repair my home. Wells Fargo had set up a disaster and recovery dept. specifically designed to help people like myself in need of these recent XXXX disasters, but have hindered every effort thus far. The Wells Fargo case manager, XXXX XXXX was first placed on my case but never communicated with me. Once I informed Wells Fargo I had heard nothing from this XXXX another representative by the name of XXXX XXXX was put in charge of my case. XXXX XXXX informed me per recorded line that I had to fax certain docs and 2-3 days later this whole process would be completed. The docs were faxed on XX/XX/XXXX at XXXX ( time stamped receipts to prove time/date ) and the " 2-3 '' day deadline would have been XX/XX/XXXX or XXXX. Meanwhile, we have no walls on the first floor of our home and its been freezing temperatures. I have been calling Wells Fargo and pleading every day this week to please provide feed back. I then find out that the case has now been given to yet another representative, XXXX XXXX. It is day 6 and I 've been calling every day with a guarantee " per recorded line '' that this XXXX would contact me but still nothing ; no phone calls, emails, or postal mail. The ridiculous sad part about all of this is that Wells Fargo only has to fill out 1 piece of paper for the me to close on my SBA Loan. Wells Fargo is refusing to return my calls or provide me with this 1 piece of paper. Seeking legal counsel is no problem, however, I should not have to. We 're talking 1 piece of paper here and I have been waiting nearly a month for it. 

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 non-monetary relief
Consumer complaint received 12/27/2017 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with customer service

Complaint: A {XXXX} deposit was made on XXXX to a Bank of America branch in XXXX XXXX, CA to a checking account. The deposit was made via check. From this amount {XXXX} was withdrawn on XXXX at a Bank of America in XXXX, CA in the form of cash. Before the money was withdrawn I requested the teller to make sure the check which was deposited had cleared so the money could be used. The bank teller confirmed of the check having cleared. The {XXXX} was deposited in another bank. An hour after, I proceeded to make another withdrawal at Bank of America and my accounts were zeroed, because there was a stop payment placed on the {XXXX} check. I advised the other institution that Bank of America put a stop payment on the check, therefore, I demanded the {XXXX} to be returned to me. Bank of America over-drafted my account which is owned by my dad and I. Therefore, Bank of America is liable for releasing money on a customer 's good standing. For decades Bank of America has been advised to never release any money on any check if it has not cleared. Therefore, Bank of America is responsible to safe keep our deposits. Good standing of a customer will not stand on any withdrawal if a check has not cleared. The request has been made for many years and it has been ignored. There 's an overdraft of {XXXX} on one account, which Bank of America released on our good standing with the bank. That will not stand. I feel that none of my accounts are safe with Bank of America if that is their policy, and I was never advised of that. This is misleading to customers, when the good standing practice is used by the bank and money ends up in the account of somebody else.

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 11-03-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Transaction issue

Complaint: On XX/XX/XXXX16, I went online to initiate a monthly payment of {$41.00} to my Bank of America credit card. On XX/XX/XXXX16, BOA debited {$1400.00} out of my checking account and I received an alert that my account now had a negative balance. I contacted BOA customer service immediately and was told they would keep the intended {$41.00} payment, refund my checking account the difference of {$1300.00}, and that this would take 48 hours to get this completed. It has now been 9 days and the funds have not been transferred back to my bank account. The balance of {$1300.00} was placed back on my credit card XX/XX/XXXX16, but as of today, XX/XX/XXXX16, it has not been refunded to my checking account.

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 05/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have not been able to resolve my credit score issue with Transunion. I have been working with them since XXXX XXXX to resolve correcting my SSN # and DOB on my credit report. TU has mixed up my brother 's and my credit report which caused me not to be able to close on my home in time. I recieved the run around. I have called MULTIPLE times with no resolution and no call back from a supervisor. Their latest excuse is that it is a " computer issue. '' Because of Transunion 's error, my bank is unable to pull a credit report. The credit report has my brother 's information on it causing my score to be falsely low.

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 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am checking my credit and notice a delinquent amount of {$84.00} owed to XXXX XXXX from XXXXX of 2016 and do not recall what this is. If I owe it, I would like to pay it and get it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXX - Inquiry XX/XX/XXXX ( not authorized ) XXXX XXXX - Inquiry XX/XX/XXXX ( not authorized ) XXXX XXXX XXXX Inquiry XX/XX/XXXX ( not authorized ) XXXX XXXX  XXXX - Inquiry XX/XX/XXXX ( not authorized ) XXXX XXXX XXXX Inquiry XX/XX/XXXX ( not authorized ) XXXX XXXX -Inquiry XX/XX/XXXX ( not authrozied TO BE REMOVED FROM EQUIFAX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I owe more then XXXX with XXXX XXXX now Navient. 
What started out as a XXXX Loan is now a whooping XXXX 2 years after I left the school, Hundreds of other student and I were involved in a classification suit against XXXX college. 
The school ended up Closing down for lying to students about credits being transferable and stealing of loan money. 
I made XXXX aware of the situation and asked what could be done about the money I owed. They said that had nothing to do with them I took out the loan. The schools is no longer open and I was unable to get my Degree because after I took out the loan the school still said I owed them money. 
So till this day I do n't have my degree and a I have XXXX loan for a school that has been shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I just was made aware of the CFPB 's Consent Order against Portfolio Recovery Services ( case # XXXX ). I believe I am one of the victims of their unlawful collection tactics. Back in 2012, my wages were garnished by Portfolio in the amount of {$3600.00}. Portfolio did indeed use the tactics as described in the Consent Order in my case and I believe I am due a refund and have any negative credit report information rescinded. Attached are copies of the Case Summary against me filed by Portfolio along with my XXXX credit report showing negative action from Portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: As submitted in a previous complaint- I am forwarding again documents from the National Student Loan Data System that proves yet ANOTHER error on behalf of Navient Solutions . As you will clearly see- all 7 accounts are listed as : 1. PAID AS AGREED 2. ON FORBEARANCE DURING THE PERIOD NAVIENT LISTS AS LATE FROM XX/XX/XXXX to XX/XX/XXXX. And 3. THE ACCOUNTS WERE CLOSED AFTER BEING PAID IN FULL BY A CONSOLIDATION LOAN IN XX/XX/XXXX AND NAVIENT REPORTS ACCOUNT INFO UNTIL XX/XX/XXXX!!!! Now how can that be if the accounts were paid and CLOSED? The accounts were actually taken over by a different servicer through the Department of Education. This why the NSLDS can provide details about the payment information on my Federal student loans. Number 3 above is just the latest discrepancy that I can prove on my report. Navient is wrong on so many levels. I want these accounts REMOVED! I have been denied loans several times as a result of Navients failure to comply with section 623 of the FCRA. Information has not been update nor corrected and now I can prove it is down right erroneous because the historical data fir these accounts on my credit report extends PAST the date the accounts were open!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
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: Last XX/XX/XXXX, I sent this company a dispute letter disputing several items that have been reported incorrectly and notified them what these issues are. To my dismay, upon downloading my credit report today, XX/XX/XXXX, my credit report still shows incorrect information and several missing information. From remarks/comment saying that the account was disputed to inaccurate and incomplete payment history. They are incorrect information as well such as the account opened date and Highest balance. Attached to this complaint is a copy of the letter I sent this company dated XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Credit card () with DISCOVER BANK (CA).
Issue: Balance transfer

Complaint: I received a letter from the XXXX , XXXX XXXX XXXX located in XXXX XXXX in late XX/XX/XXXX stating that I owed Discover credit card company {$5000.00} due to a transfer balance occurred on XX/XX/XXXX. I never owned a Discover credit card and did not do the balance transfer as they claimed. I have called XXXX Credit Card Company many times and they have told me that the transfer transaction never occurred on their records as well. File XXXX XXXX and XXXX XXXX are evidence that such a transaction never happened. I have tried to solve this false accusation with Discover Credit Card Company XXXX times as you can see from the attached file but they still find the balance valid. I even had the representative from XXXX on the phone with Discover representative to tell them that such transaction never occurred but they still find the transfer transaction valid. I am filing this complaint because I have been falsely accused by Discover credit card company for something I did not do.

Company response to consumer: Closed with non-monetary relief