milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-10-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Our house went up in smoke in XXXX 2009, after a year and a half, we put the property up for sale with a signed contract with a Realtor. The balance was suppose to be paid off with the Insurance money put into a separate account. The mortgage Company XXXX refused to move it to the payoff, because the left hand knew nothing about the right hand. It put us in a negative for 3 consecutive months, after several calls to the Insurance Department and doing exactly as they asked us to do after each and every call. They found the error and corrected it, and apologized for their mistake. They also charged us {$30.00} for each and every time the Title Company called for a payoff balance. 8 months later we were notified that the original mortgagor GMAC XXXX filed for Chapter XXXX. When the new mortgagor took over XXXX XXXX XXXX, they only had the paperwork for the loan which reflected only the 90 days late and nothing else. We keep disputing it and get nowhere. This also reflects a 30 day late with our Equity line of credit XXXX. We wanted a 30 day close on the property but because of the mishap with XXXX it reflects XXXX. We want it changed on our Credit Reports is all. We are not asking for it to be removed just changed to reflect a positive, because we were on time each and every month for the 32 years we had the loan with XXXX while they were our XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2016 about Mortgage (Conventional fixed mortgage) with STATE FARM BANK, FSB (OR).
Issue: Application, originator, mortgage broker

Complaint: I applied for a loan through State Farm Bank XX/XX/XXXX. I have since provided all the required documentation they 've asked me for. I also paid to have an appraisal on my home. I locked in my rate for 60 days. 

Now, I am on my second appraisal, my lock has expired a few times and I have had to re-end them additional documentation and still do not have answer as to whether my loan will close soon or not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/17/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Hi, There is a foreclosure sale date set on my property for XXXX/XXXX/15. I have tried to request postponement and the lender has denied the request. I just received an offer on the property XXXX/XXXX/15. I have sent a copy into the lenders. I know this is very short notice but I 'm asking for you to help me with postponing the foreclosure if possible. My XXXX failed and I 've had to relocate to find other work to make a living. I feel that a short sale is the best option for everyone at this time and will appreciate anything you can do to help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Late fee

Complaint: I have been making payments with an external checking account through the issuer 's website or third-party bill pay service to my credit card. Unknown to me, I was not able to make payments after I opened a checking account with the issuer, which there was no sign or warning that the service has been redesigned. I ended up calling the issuer to make a phone payment, which was considered late due to time zone difference.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have an account with XXXX XXXX for an auto loan. The account is no longer with XXXX XXXX. It is now in the possession of a lawyer whom is taken care of it separately. This account should be removed since its no longer with XXXX XXXX contacted XXXX XXXX through Consumer Financial Protection Bureau and all they said was they cant do anything about the account since its no longer in there possession.

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 11/25/2015 about Bank account or service (Checking account) with U.S. BANCORP (WA).
Issue: Problems caused by my funds being low

Complaint: The following is related to U.S. Bank. On XXXX/XXXX/2015 I used my checking account-linked debit card to make several purchases. I made these purchases knowing that my checking account was low on funds. I monitored my account throughout the day, frequently checking the balance. I was diligent about not overdrawing the account. At the end of the day, a {$25.00} automatic monthly transfer was made to my savings account even though these funds did not exist. US Bank manipulated the payment processing order so that the {$25.00} automatic transfer was the FIRST payment processed on XXXX, thus a guaranteed overdraft charge. Several days later I was notified of a {$36.00} overdraft fee via mail. Additionally, I was charged a {$25.00} extended overdraft fee, meaning the account was overdrawn for a five day period. I contacted my home branch to explain why the charges were unfair and the branch manager said she could only remove the {$25.00} extended fee. I told her that I would be banking with a different institution so she changed her mind and said she would remove the original {$36.00} fee in an effort to " help me out '' but not the {$25.00} extended fee that was a result of the original fee. 
All of these events occurred despite the fact that I am " opted out '' of overdrafts. This option, however, does n't apply if the charge is a recurring monthly charge for gym memberships, XXXX, etc. The charge that put me into overdraft was conveniently my $ 8 monthly XXXX subscription that went through on the same day. I called XXXX to see what time the charge went through on XXXX. It went through at XXXX XXXX. US Bank manipulated the payment processing order so that the automatic recurring XXXX payment was the payment that went through when there were not enough funds to cover it. 
U.S. Bank 's manipulative payment processing resulted in my account being overdrawn by around {$4.00}, leading to {$61.00} in fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Money transfer, virtual currency, or money service (Check cashing service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Fraud or scam

Complaint: Some young girl said she got in a car accident and couldnt cash a check that she wrote/received so I cashed it for her. I then realized that that amount was taken out of my account a few days later

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 03/20/2015 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My son has a private student loan that originated from XXXX XXXX XXXX and was serviced by American Education Services. I was the co-signer on the loan. I filed for XXXX XXXX bankruptcy in XXXX XXXX. All of my son 's student loans was in in-school deferment. AES allowed his loans to be in deferment for a short period of time at which time he had to pay the monthly installments. In XXXX XXXX my son 's started experiencing difficulty paying his loan. He sent payment of {$200.00} to AES for XXXX and requested assistance in lowing his payments. In the meantime AES was calling and emailing me several times during the time about him being 30 days late. He contacted them in XXXX XXXX asking that they discontinue contacting me because I was in bankruptcy and again requested assistance in a payment program he would manage. AES asked that they get a copy of my Letter to Creditor on the bankruptcy. When my son forward it to them on XXXX XXXX, XXXX about 3 weeks later, saw that his loan was first in deferment and when he reviewed the account in XXXX XXXX saw that it was listed as " defaulted ''. He sent an email to AES advising that he was not in default and requested several times for assistance. However, the only reply he received was an auto email message advising that they received his communication. No communication was sent to him advising as to why they placed his loans in default, no communication on who he could contact to resolve the issue. It was not until my bankruptcy was discharged in XXXX, that we XXXX received collection letters from XXXX XXXX XXXX XXXX XXXX XXXX XXXX that loans was in default and asking for full payment. The letter from collection agency reference that the loans was in default as of XXXX XXXX, XXXX ; which is not correct since my son made a payment on XXXX/XXXX/XXXX and was in active communication with AES up to XXXX XXXX. His account with AES was lock and gave him nor I any ability to pay on the loans. All of the other private loans thru XXXX XXXX and XXXX was placed on forbearance until my bankruptcy was discharged. We are now paying on those loans monthly. AES was the only one that decided to just put the loans on default without advising of any option to resolve or to pay on the loans. We had no one to communicate to. These loans were for undergraduate degree my son obtain from XXXX XXXX University in XXXX, Georgia.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (NY).
Issue: Trouble during payment process

Complaint: Since 2001 our mortgage provider has been XXXX. A few months ago -- without our say-so -- we were informed Shellpoint was our new provider. 

XXXX has paid our homeowner 's policy to XXXX XXXX via our escrow account. 

XXXX XXXX XXXX is our main house. XXXX and XXXX XXXX XXXX are two cottages. We also have a barn. XXXX has paid out these policies to XXXX XXXX. 

Shellpoint is not paying XXXX XXXX for XXXX and XXXX XXXX XXXX, nor the barn. They have no understanding that these are two cottages ; they are entirely unaware that XXXX and XXXX XXXX have covered these for over a decade. 

Our address, XXXX XXXX XXXX, was changed a good decade ago from XXXX XXXX XXXX XXXX. Shellpoint also seems unable to understand this, although the name change is longstanding. 

I have called over and over again, to no avail. 

XXXX XXXX has sent over a complete file -- I called to check to see if Shellpoint had processed this, but was unable to reach anyone. 

Shell point needs to pay XXXX XXXX ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Debt collection (Medical) with Skagit Bonded Collectors, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: They are reporting this debt to the credit bureaus, yet the paperwork they provided ( attached ) clearly shows this is over 7 years old. This is a false representation to the credit bureaus. The statute of limitations has expired. It can not be legally reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Please refer to all previous complaints the last one being Case number : XXXX with this same ongoing issue. 

Bank of America has now placed my property into foreclosure. See attached letter. The letter dated XXXX XXXX, XXXX was sent presorted regular mail and I did not receive it till Mon XXXX XXXX, XXXX beyond their " good through '' date. In my attempt to call the number on the letter I keep getting a recording stating the account manager is unavailable leave a message or call back later. I called several times only to receive the same message. No one to date has returned my call. 
My request to validate the amount in question on the first attorney letter received in XXXX XXXX was ignored and they have now added on additional attorney fees without responding to my request. This is a purposeful intent on Bank of America to continue adding fees above and beyond then demanding it be paid before they foreclosure. 
Please refer to all previous correspondence and complaints ... this is all a deliberate, intentional act on the part of Bank of America to take my property when I have made payments for the past 12 years only to become delinquent due to financial hardship and illness last year. My efforts to get current was sabotaged with their adding on unnecessary escrow when all was paid to date pushing me over the edge adding on {$220.00} to my monthly mortgage amount when I was attempting to make the regular payments. You will need to read all previous complaints for the past history on this mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I 've recently been having fraud/identity theft suspicions and even more so once I heard about the XXXX breach. I decided I should check my free credit report. I have been trying to get my credit report from XXXX as suggested at the government site Consumer.ftc.gov since XXXX XX/XX/XXXX. I filled out all the correct personal vulnerable information it requested just to have the website tell me that I need to send in copies of my personal and vulnerable identification. I am then reviewing consumer complaints online and I figure out that many other people had various fraudulent problems with the XXXX site. I then tried to search the site for some way to get ahold of them and they have absolutely no telephone numbers listed anywhere! I then see that on the Consumer.ftc.gov site they have a the number XXXX listed for them. Extremely weird that I had to find their number on a totally different website. I called this number everyday since XX/XX/XXXX and was unable to get through to anybody. I 've called back and tried pressing every single numbered option available. I even got to the point of just pressing zero frantically to no avail. I then did some more research online and verified that many people had experienced the same situation as me. They input very valuable information such as social security numbers and more just to find out they were not getting there report either! Please help as I believe it is possible that I am another victim of credit report fraud. I do not know what to do when I have tried everything. I need to speak to someone now as fraud is a very time crucial crime that can drastically adversely affect your life as I 'm sure you know. I am a part of many XX/XX/XXXX. Myself and the other hard working American people want to know how these organizations can say what they will about us and theft can happen yet they have no one, not even one employee that works for them or even one single location where you can speak to someone??

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 06-09-2015 about Debt collection (I do not know) with Recovery Partners, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I and another person had gotten in an accident on XX/XX/XXXX. I filed a claim with My insurance ( XXXX ) and they took care of everything. XXXX XXXX, the company of the other person n the accident, is using Recovery Partners LLC to collect a debt that has already been paid in full. It is concerning a claim that they said happened on XX/XX/XXXX. It happened on XX/XX/XXXX and my insurance XXXX too care of it. They have been rude, threatened to take away my license if I do n't pay the sum of {$2500.00}. I am and was insured on the date of the accident. Do not use XXXX as they use strong arm tactics and try to make you pay a bill already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Charged fees or interest you didn't expect

Complaint: Early last year, I got behind on the personal loan I had with Regions. I have made multiple payment over the past few months to get caught up. I spoke with one of their reps who told I me that I owed {$340.00} when my account stated I owed {$100.00}. When I stated that the amount owed was wrong, the rep explained that the difference was from late charges and that they show on the statement. I told the rep that I have never saw these late fees before and that none of the previous reps that called when I was late never stated that amount, just the what was owed on the loan. Also I stated that I never received any statements and that I only used and opted in for online access only. I asked for the rep to send me the paper statement so I could see the charges. I was charged {$35.00} late fee even in months I made payments. I now have three times as much in late fees than what is owed on the loan. I spoke with a customer service supervisor about the situation who stated that they could only remove one of the {$35.00} fees. I understand a late fee but owing three times as much in late fees is ridiculous and unreasonable on top of being charged interest.

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 07-07-2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage Services is trying to raise my mortgage payment $ XXXX/mo stating that there is an escrow deficiency. There are many similar stories online after CMS takes over a loan that they have purchased. This creates a hardship and seems predatory. My loan is current and for the last XXXX years ( with XXXX XXXX XXXX ) has always been $ XXXX/mo, now they want {$1700.00}. I am nervous to pay them based on others stories that they will squeeze this out of me with no justification

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I ca n't get my free annual credit report and it 's asking about mortgages which I never had.

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

Complaint: The breach Equifax reported Thursday, is, very possibly is the most severe breach of personal information. By providing full names, Social Security numbers, birth dates, addresses, and, in some cases, driver license numbers, it provided most of the information banks, insurance companies, and other businesses use to confirm consumers are who they claim to be. The theft, by criminals who exploited a security flaw on the Equifax website, opens the troubling prospect the data is now in the hands of hostile governments, criminal gangs, or both and will remain so indefinitely.

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

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit card () with BARCLAYS BANK DELAWARE (VA).
Issue: Bankruptcy

Complaint: Barclays Bank continues to report bad information on a Credit Card that I was merely an authorized user on when my XXXX, who the card belonged to, had the debt discharged in bancruptcy.

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