milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-04-2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Immediately after purchasing my XXXX home in XXXX, my mortgage loan was sold to LoanCare in VA. Since then they have put me through the ringer for trying to lower my monthly payment, knowing full well they were overcharging me for a small home in FL. I spoke to no less than XXXX people during the month of XXXX ( beginning on the XXXX and ending on the XXXX ) to do just that attempting to do the right thing in following all of these people 's directions. They were extremely inconsistent in that each person I spoke with had a different take on why I could n't achieve the desired result. I first paid {$1700.00} for the month of XXXX, then {$1500.00} for the month of XXXX, then finally {$1300.00} for XXXX and, which they say, will remain the payment going forward. They insist part of the payment go towards homeowner 's insurance which I already paid in full for the year XXXX XXXX XXXX XXXX ). They will NOT refund me that payment and continue to extract that from me. In addition, I also prefer to pay my own taxes, but they refuse to delete the escrow account ( claiming a ridiculous fraction of an amount between loan and equity ratio ). I can, and have, paid these XXXX items on my OWN and prefer to do so.

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 05/15/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In  XXXX  of   XXXX   we discontinued our  XXXX   XXXX   XXXX  service. We were forced to move from our home and we tried to keep the service.But  XXXX   XXXX   XXXX  did not offer service in our new area. Forcing us having to cancel service. When we canceled our bill was  XXXX  balance and due to the circumstances they were not going charge us early termination fee as we were keeping our  XXXX  service. And it was all bundled together when we signed up. In fact we even paid a  XXXX  $ deposit for the service when we started.    XXXX   XXXX   XXXX  continued billing us and still had our account messed up as it was still linked to  XXXX . It was n't until  XXXX  of   XXXX   that  XXXX   XXXX   XXXX  shut down our verse account and made it a  XXXX  bill. We have disputed this bill over and over for a year to   the date.
The bill is now in the possession of Southwest Credit Collection Agency. We di  sputed this bill in there office.We have requested a full explanation of bill. When they sent us a bill they also sent us another bill from a hospital. Which is n't ours. It also has the hospitals account number as well as the hospitals foundation number on the paper.   It is in violation of FDCPA la w 805  section B.   They did n't even send us our bill as requested.   They are now claiming early termination charges as well  as misc charges in which we or southwest credit collections h as no clue.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Settlement process and costs

Complaint: I have a home line of equity loan from Bank of America for approximately {$130000.00}. It is coming to a balloon status in XXXX 2016. I have proactively tried to request an extension and had taken over 5 months to complete the application and trial payments. They have sent the new document to sign with the new terms in regards to the extended time of 180 months and the new payment will have to include interest and principal. The concern that i have is that the new agreement does not mention the interest rate for the new agreement and it does not indicate in plain language that the rate term will continue as the original agreement of adjustable rate that is prime minus 1 %. I have spoken to several relationship manager and they all have verbally explained that the rate will continue as the original agreement but they cant send anything in writing. I asked if they can email or I can email them with this information and they declined. All their calls are however recorded but i am not allowed to record any of their conversation. How can i feel assured with the new agreement that they are asking me to sign will in fact have the rate of the original document. My original loan document was with Lasalle bank which was acquired by Bank of America. I have always paid on time and am current on my loan. I hoped that i would have received the fixed rate on the extension but they said that the term can not be changed.I would have to apply for another loan. My home is underwater at this time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Today XXXX XXXX XXXX I called XXXX XXXX sloppy setup call center. Wrong numbers NO intelligent answers on there clumsy breach of EVERYONES personal information. PLUS they have expired inquires still in my file. I can only assume my generic phone call for a security freeze worked. ALL over the internet, especially someone from NY times wrote an article on how sloppy and indifferent they are to there opprobrious incompetence. I called all 3 generic credit reporting agencies today. USELESS. Even annual credit report over the phone and online does NOT work for my account. XXXX blundering stupidity has caused me a mis-matched name to my social security number. I told ... you people this problem months ago. EVEN more insulting is WHY are these cryptic clowns at XXXX [ d ] uplicating there phony collections 3 different dates?! # I told you people about XXXX  putrid stealing, cramming SCAM only 12 times!!! I want that garbage deleted!!!! I want a security freeze in all 3 of these specious credit bureaus!!!! I want a copy of my credit report from all 3 of these derelict credit bureaus!!! XXXX clowns do n't care how sloppy and incompetent they are. USELESS phone system, wrong numbers to call.

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 08-09-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Hello, I consolidated my loans through DOE and XXXX 's XXXX, most recently in 2009. I also enrolled in the Income-Based Repayment Plan and submitted an Employer Certification Form. This moved my loans from DOE/XXXX/XXXX to PHEAA/FedLoans. I am applying for the National Institutes of Health Loan Repayment Program, and I need the completed Master Promissory Note including the application pages 1 and 2. Since I applied online, all I got was pages 3-10. However, PHEAA does not seem to have the forms, since the consolidation technically occurred through XXXX XXXX. Since XXXX XXXX is now defunct, there is no one there to call to get the record of the consolidation. I will not qualify for the NIH LRP if I ca n't show that all the loans that went into the consolidation were eligible loans, and thus I need a copy of the application. I 've tried talking to the NIH LRP, PHEAA, and StudentLoans.gov, all to no avail. I was hoping you could help me locate these missing pages of the consolidation application, so that I can continue my NIH LRP application.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Mortgage (Reverse mortgage) with AMERICAN ADVISORS GROUP (GA).
Issue: Credit decision / Underwriting

Complaint: In the XX/XX/2016 I submitted a request for a reverse mortgage with American Advisors Group ( AAG ) a nationally advertised finance agency which specializes in allowing seniors, age XXXX and over, an opportunity to " remain in their own homes '' by establishing a line of credit and freeing them from monthly mortgage payments as long as they remain in their home. Soon after the process began I was hit with a series of financial demands. First there was a fee of {$120.00} for a required reverse mortgage counseling course. Next there was a {$450.00} fee for an appraisal. As a result of the appraisal there was a requirement that co2 and smoke detectors be installed in my home 's XXXX bedrooms at a cost of about {$150.00}. The appraisal said the home is worth {$120000.00} with an outstanding principal on first and second mortgages with XXXX of {$93000.00}. In addition to the appraiser I also had a visit from an AAG agent and during his visit he had me sign a series of what I assumed were contract agreements which, among other things, notified my home insurers, XXXX XXXX, that AAG was now my mortgage holder. All this occurred by XX/XX/XXXX. I had no further contact with AAG until after the holidays. I had been told in XX/XX/XXXX that the process would be completed by early XX/XX/XXXX and that I would be able to use money that would be going in lieu of a XX/XX/XXXX mortgage payment to buy XXXX presents. This statement was made by my mortgage counselor, XXXX XXXX. During the second week of XXXX after weeks of not being able to contact AAG, I finally contacted XXXX XXXX. I was informed that his loan committee had declined to approve the reverse mortgage. The reason he gave was that the {$34000.00} equity to loan debt margin was not large enough to approve. On XX/XX/XXXX I received a 2nd-day air package from AAG with a form letter explaining the denial. Their reason was listed as not being able to verify enough income to cover closing costs. At no time was I ever asked in I could cover such costs nor was it ever suggested as to the amount of closing costs or that it would be my responsibility to bear them. At no time in the process prior to XX/XX/XXXX. was there even a hint that the request would be denied. I find this all ironic in that AAG 's advertising campaign makes reverse mortgages seem like a constitutional right guaranteed by President XXXX and endorsed by high-credibility spokesmen such as the late XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The collection agency are attempting to falsely collect a debt I do not owe by damaging my credit report. I requested for debt validation including all receipts and copies of any bills I am being charged but to no avail. I am also being charged for staying over my least from XXXX/XXXX/2015 to XXXX/XXXX/2015 but I have proof that my new lease at my current residence was signed on XXXX/XXXX/2015 which proves I moved week before my lease ended. This inaccurate credit reporting has caused serious damages to lifestyle.

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 02/18/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXXXXXX SS # XXXX Re : a XXXX account # XXXX Equifax To Whom It May Concern : I would like to dispute the validity of a XXXX account listed on my credit report. I am requesting that a dispute be initiated for a XXXX account which is reported. 
I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? 
Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: PER THE SAVINGS ACCOUNT XXXX WITHDRAWALS FUNDS LIMIT OF XXXX WITHDRAWALS FROM SAVINGS ACCOUNT PER THAT PERIOD OF ENDING BANK ACCOUNT STATEMENT. 
PER FROM XXXX XXXX, 2016 thru XXXX XXXX, 2016. I DID HAVE XXXX WITHDRAWALS FROM MY SAVINGS ACCOUNT. BUT THE BANK FEE FOR THIS SHOULD BE ONLY {$3.00} AS A {$3.00} FEE CAN BE CHARGED FOR THE NUMBER OF SAVINGS ACCOUNT WITHDRAWALS OVER THE BANK LIMITED OF XXXX PER BANKING STATEMENT PERIOD. 
ADDITIONALLY, THE BANK SENT AN EMAIL THAT THEY WILL CHARGE A FEE OF {$10.00} PER OVER THE XXXX LIMIT OF SAVINGS ACCOUNT WITHDRAWALS, ( IMPROPER BANKING FEES PRACTICES ) 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 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I believe my ex-boyfriend used my social security number to see if I can be a co-signer and at the time of the dates those are around the month I believe he was trying to purchase a car from XXXX XXXX XXXX.This was also around the time my bank information got out and I had gift cards charged to my bank account but that was resolved. My personal information was used without my consent. I just settled with another company about the same inquiry and they found that I didn't authorize the use of my information for a car and I already have a car with with.

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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 checked my personal credit reports and I noticed unauthorized inquiries had been made. I contacted the companies who conducted the inquiry to advise them that I did not authorize the inquiry and asked them to remove their credit inquiry from my credit profile but to no avail. XXXX : XXXX XXXX Fl - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX - XXXX XXXX, Fl XXXX XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX - XXXX, Ne XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Ia XXXX XXXX : XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Ia XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Mn, 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 02-06-2018 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The debt under XXXX XXXX XXXX XXXX for XXXX was listed on my affidavit id theft under 2 accounts not irs on one with that balance. That is false info remove asap. I will report to the FTC because stuff that was removed is now being added al overt again Remove it asap

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 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian is not responding to any of my numerous requests to investigate, verify and remove  XXXX  account from my credit report that does not belong to me. They are not responding.

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 02/15/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (GA).
Issue: Taking out the loan or lease

Complaint: How is it fair that minorities who were affected in the Ally Bank settlement never got their checks, but XXXX who were not discriminated got checks. I bought my 2010 XXXX soul finance by ally, and it was a mess, all day if I wanted the loan I had to purchase a {$1000.00} warranty that was no good, in the office the sales rep answer my race on the phone to whom ever he was speaking with. When i heard ally was in trouble finally some justice, i requested a package never got XXXX, then i was suppose to get a card with info on the lawsuit, never got that, got in touch with the claims administrative said i was too late.. What you guys held it up and justice needs to be serve. And all the XXXX XXXX who were unable toget it should be compensate and the monies must be paid back by white borrowers

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 05/22/2017 about Debt collection (Private student loan debt) with National Enterprise Systems, Inc. (AR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This complaint is in regar ds to National Enterprise Systems , Inc tr ying to collect {$1500.00} for a debt to  XXXX  that I have settled on  XXXX   XXXX ,  2017 .  XXXX  responded to a complaint through CFPB with a letter stating that they would accept my settlement offer and report that the account is settled in full. This is not a fair 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 01/25/2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In reviewing my credit report I found that my account XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, MO XXXX had an incorrect " Date Opened '' of my account. This account was not opened XXXX XXXX, XXXX. This account was opened with XXXX Bank in XXXX and sold to XXXX XXXX XXXX in XXXX. This error is illegally decreasing the age of the account by more than 3 years. The attached letter dated XXXX XXXX, XXXX which notified me that my XXXX Bank card was being reissued by XXXX XXXX XXXX with a new number, proves that the account was opened prior to XXXX XXXX, XXXX. By reporting a later, incorrect date they are shortening the average age of my accounts to my detriment. I am trying to refinance my house and this error is making it more difficult. I requested that they please either report the correct date the account was opened or delete the account as required by law. Equifax has done neither.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX, after a significant time in queue, I was in the process of being transferred from XXXX ( Supervisor ) after speaking to XXXX ID # XXXX in US Bank Visa credit card disputes department who was unable to assist me. XXXX told me my dispute to 3 of my four issues could not be handled by her department and decided I should be transferred to another department. During the transfer to the fraud department, I was disconnected. 

In keeping with their sub-par level of customer service, no one exercised common sense or courtesy to call back, apologize and make certain I received the help for which I placed the call. I was not about to subject myself to the rude, and unfriendly agents and decided to send a letter instead. I did so on XX/XX/XXXX. US Bank XXXX XXXX XXXX has not responded to my letter requesting charges I did not make nor authorize be removed from my card. 

Attached is the letter sent to XXXX XXXX XXXX at the verified proper address. 
This request for assistance is made timely. I am looking into another XXXX card provider, likely XXXX, however, I wish this matter be cleared as soon as possible. 

Alternatively, may I file a small claims action against this XXXX XXXX XXXX division of US Bank? A small claims action will require less time and give them an ample opportunity to find someone who can effectuate my request to remove unauthorized charges. Also please advise what other reasonable methods are available to resolve consumer issues with a company acting in an unprofessional, frustrating, and irresponsible manner? 

XXXX XXXX XXXX must still be trying to ascertain how many people are required to change a lightbulb at? Apparently, they dont have enough and the specific answer is still unavailable.

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 05-12-2016 about Student loan (Non-federal student loan) with NELNET, INC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Charged by XXXX for XXXX semester ( XXXX 2004 ). I was n't allowed to attend that semester by the XXXX at the time due to lack of finances on their record. Or at least, that what I was informed. I did not attend classes because teachers also did not have me n their rosters. When I attempted to attend classes when the semester began, I was directed to financial aid where I was then told I did not have the finances. Only to be charged in later years for the loan for that semester when I was no longer attending school. I have accumulated delinquencies & am now paying debt on a loan I never received.

Company response to consumer: Closed with explanation