milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Application, originator, mortgage broker

Complaint: Bank of America mailed me several offers to refinance my home. On XXXX/XXXX/2015 I called the XXXX, FL sales office and spoke with XXXX XXXX ( MLS XXXX ) and began the refinance process. There were documents XXXX XXXX wanted immediately ( XXXX, XXXX pay stubs & savings statements ) so those documents were emailed to her on XXXX/XXXX/2015, however, the remaining refinance documents, that BofA mailed to my home, she stated could be mailed. So on XXXX/XXXX/2015 I followed her instructions which matched the instructions in the refinance packet, and mailed the remaining documents in the pre-paid postage envelope provided from a Post Office in XXXX, TX. Because the documents were of a sensitive and personal nature, I wanted to have the documents tracked, even though they were only going to XXXX, TX ( XXXX is a larger suburb of XXXX ). The post office clerk informed me that I could not " alter '' the pre-paid envelop and had to mail the documents as is. Needless to say, as of XXXX/XXXX/2015 the documents have not reach BofA 's documents center and are now considered LOST. The post office claims they do not have my package, and BofA claims they have not received my documents either. I am stuck in the middle with my personal information floating somewhere, with no real help available. BofA is claiming since the documents have not reached them ( something they can not proved or disproved ) they have no responsibility to help. Even though, it was their instructions and envelope, they do not track the packages in anyway ( nor to the note that information in the refinance package ). This seems ridiculous. Customers are mailing personal and highly confidential information to them from all over the country and they not only do not track the packages they also hinder the consumer from doing so as well. This process is very flawed and I am not sure what the Bureau can do, but I wanted this practice to brought to light. I was informed by a BofA representative, that mail gets lost every day, and there was nothing they ( or I ) could do about it. I was to either resend the forms or lose the refinance. What is even more frustrating, is that I was informed, after the documents were lost ( of course ) that I could have gone in to ANY BofA location and faxed the documents to the XXXX office for FREE. I looked and this was not noted in any of their instructions. They did supply a fax number but DID NOT state the option of going into a branch. That XXXX simple piece of information could have saved me from the frustration on the entire refinance process. I now have frozen my credit and researching a credit monitoring company to protect me from potential identity theft. My problem is not with the people I worked with, it is with the process that leaves consumers at risk. I trusted BofA and the have completely let me down.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/14/2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have called from XXXX to XXXX times a a day from XXXX or more different numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Consumer Loan (Vehicle loan) with TRUSTMARK CORPORATION (TX).
Issue: Problems when you are unable to pay

Complaint: My vehicle was repossessed in XX/XX/XXXX. A complaint on deficiency was filed in the County Court of the First Judicial District of XXXX County, Mississippi against my grandfather, primary buyer and I the co-buyer. The Mississippi Statue of limitations on collecting on a debt is 1 year. A default judgement was entered on my grandfather on XXXX XXXX, XXXX. A writ of garnishment was issued against him on XXXX XXXX, XXXX. Due to lack of knowledge of the fair debt collection practices act notice, I did not fight the summons I received on XXXX XXXX, XXXX. Which would have surpassed Mississippi State of Limitations on collection on a deficiency claim. A default judgement was then entered against me on XXXX XXXX, XXXX. A writ of garnishment was issued on me on XXXX XXXX, XXXX.they renewed the garnishment on XXXX of XXXX. Fast forward to XXXX XXXX, XXXX my bank received notice to froze my accounts due to the garnishment issued in XXXX. My accounts became frozen on XXXX XXXX, XXXX. I was n't given any notice as to what was going on until my accounts was frozen. State law dictates I have 30 days to respond to the garnishments of my accounts before they will release funds to the courts. I have only been given 10 days to fight back. I am in the process of writing a letter to courts to file a motion to vacate the judgment due to the Statue of Limitations expiring before the summons to appear in court to fight the judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with National Consumer Telecom & Utilities Exchange, Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This reporting service claims to fix errors on my report but they never reflect the corrected version ( s ). The first page of their mailing ( s ), state the correction is made but if you look at the actual report in the same mailing, it does not reflect the correction. 

Personally, I do n't think they have a clue as I have called them over five times about the same issues. 

XXXX advised me to be careful of giving these people any information. 

Also, I fax identification documents, police reports, etc..because of identity theft. They state they do n't have the documents I sent and then all of a sudden, out of nowhere, they find them. 

They are supposed to give me a " Legislative Security Freeze '' but my reports list a " general freeze ''. This allows them to illegally charge me for future lifts of my freeze. 

Because of these tactics they are direct violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 finally got the non deniab fact, and proof of it. XXXX XXXX who am complain about sent me the paperwork I needed. Turn out it was a bad check that they are trying to recover for. California has a statue of limitation of two years on checks, and bad checks do n't belong on my credit report. Thank heavens I did my own investigating on this matter.

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 09-07-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Settlement process and costs

Complaint: I purchased my home XX/XX/XXXX and did a rate change without requirement of refinance in XX/XX/XXXX. Bank of America improperly recorded the rate change as a Texas 50 a 6 loan ( cash out ) transaction which is now impacting my ability to do a Home Equity loan because of Texas Laws. I subsequently refinanced this same loan 12 years ago with Bank of America and the refinance was done with a XXXX position and XXXX position loan to avoid Private Mortgage Insurance. Neither of those XXXX loans were recorded as Texas 50 a 6 which under Texas law would be prohibited but they were recorded as a standard refinance In addition to those details in the State of- Texas you can only have XXXX Texas 50 a 6 loan at a time if you have a equity loan recorded ( even if recorded improperly ). The XXXX mortgage was again refinanced 19 months ago and again it was not recorded as a Texas 50 a 6 nor did the title company make we aware of the improper recording for a previous mortgage. 

I recently applied for a XXXX lien position Home Equity loan and my Credit Union found the discrepancy which is attached. That equity loan was to payoff the small XXXX mortgage and do home improvements. They nor any other financial institution can do anything at this point to allow me to use equity in my home until this is resolved. 

Bank of America has not been helpful in getting their error resolved.

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 04-10-2017 about Debt collection (Credit card) with Midwest Recovery Systems (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I XXXX makes a claim with the Consumer Financial Protection Bureau ( CFPB ) that the following attached attempt to collect a debt is highly fraudulent. My personal information is being floated in what is known in the debt collection business as a " Debt Pool '', whereas collection information is outdated and not even enforceable. The attached collection from Midwest Recovery Systems does not state that the debt is no longer enforceable, a stipulation by the Federal Trade Commission. The method of an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act can not be tolerated. In Federal Trade Commission v. XXXX ( XX/XX/2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria are as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both. 
2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, if the debt is collectable. 
3 ) The validation of debt ownership must be proved, without exception. 
There is no statement on the attached collection that the debt is no longer enforceable. The collection agency stipulates that XXXX obtained a judgment against me. By legal mandate, the docket number of the judgment must be listed as well as what county clerk 's office the judgment is filed with. In this case, there is no judgment. The statement saying " This judgment may be forwarded to an attorney for execution '' is a complete falsehood. There can not be a lawsuit as the legal time limit to enforce a summary judgment action has passed. 
Even though the collection letter states that illegal, abusive, deceptive and unfair debt collections are illegal, this collection in its entirety is just that, a deceptive illegal attempt to collect a debt that is no longer enforceable. 
I demand that all my information be purged immediately by Midwest Recovery Systems and XXXX, and that the Consumer Financial Protection Bureau ( CFPB ) take the necessary steps to sanction both companies for using such abusive collection tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  and   XXXX   XXXX   list the same  XXXX  loans multiple times on my credit report. Some of these loans have been re-aged to appear 10 years newer than they actually are and some of these loans are incorrectly statused. This is causing a massive credit hit which in the past has cost me potential employment ( denial letter had specifically cited credit score as the primary reason during pre-screening for employment with   XXXX   ), increased car insurance rates, and now it is making the ability to secure a mortgage impossible and a rental agreement extremely difficult. These loans are also moving from   XXXX   to   XXXX   XXXX   in an attempt to incur greater credit impact for the purpose of penalizing and shaming the borrower as there is no difference between the 2 companies since   XXXX   runs   XXXX   XXXX    and also provides all support for them if you try to contact   XXXX   XXXX  . The defaulted loans in question also have been forced into forbearance multiple times each as I was told that even when unemployed, I was simply not allowed the option to qualify for a deferment or any other plan ( this stems from when   XXXX   XXXX   was the name of the company ). Basically I have been cheated, lied to, penalized, and treated like garbage at every turn by this company an will be forced to sue before ever making another voluntary payment due to the extreme harassment and hardships they have imposed on my from early on and the life altering consequences that has made for.

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 02/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Service disconnected on XX/XX/XXXX, returned devices, was told it could take 3 months to get final bill in the mail. Waited & noticed bill came at over {$1200.00}. XX/XX/XXXX contacted financial services from the XXXX corporate store, spoke with representative named XXXX who escalated additional charges since XX/XX/XXXX to her supervisor by the name of XXXX. XXXX told me the correct final bill was {$390.00} and that I would get a text message in 24-48 hours when credit was given for the remainder. I never received text message and am now being contacted by a collection agency who states we owe the full balance of over {$1200.00}. XXXX tells me there is nothing they can do even though they do have all the notations on the account from the numerous representatives I have spoken with both in the corporate store and financial services via phone. This has now resulted in effecting my credit and by no fault of my own. I have done what I have been advised to do by XXXX and their financial service team as well as followed up numerous times with no proper result.

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 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX   XXXX  there was an individual inquiry on my credit report for a car loan that I did not authorize or approve of.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax had their consumer data compromised well over a month ago. This was not disclosed to the public until recently, and the company has not notified each affected consumer individually, requiring them instead to check to see if they were affected of their own initiative. I am one of the affected individuals, and would have liked to have been notified sooner that I could be at risk for identity theft, and would have liked the company to have done more to protect my information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Ally Financial put a credit inquiry on my report on XXXX/XXXX/16. I did not authorize this report. I sent them a letter disputing this inquiry and was sent back a generic response that inquiries are a matter of record and it would n't be removed. I did not authorize this inquiry and I would like it removed from my report.

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 04-07-2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had my mortgage payment to XXXX Mortgage set up on auto pay from my bank to insure that my payments were always on time. XXXX mortgage apparently made a {$180.00} increase to for escrow fees I was not aware of this spring and sent my XXXX and XXXX payments back. I did not XXXX this until I checked my bank statement in XXXX since I am a busy XXXX this time of year, which means the XXXX payment was reported as more than 30 days late. I immediately caught up the payments with the {$180.00} adjustment and transitioned for XXXX Mortgage to auto withdraw to avoid this from happening again. I paid my mortgage on time, it was just sent back by XXXX and they then reported the rejected payments as late to the credit reporting agencies. I never received a phone call or email about the rejected payments and they have that information, which would have allowed me to correct the error more timely. My credit has now been destroyed for 7 years for a {$180.00} escrow fee adjustment and my bank XXXX XXXX has now closed both of my business credit accounts, which will further destroy my credit. I tried to appeal to XXXX in a letter explaining the situation and my good history of payments and just got a canned cold response that they are obligated to report accurate information to the credit bureaus. The letter said to call the contact with questions and the person does not answer the phone or return voicemail messages.

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 02-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: In XX/XX/XXXX when I reviwing my statment I found 2 transactions I did not made them I caled Sears Card company and filed a claim and the removed it After that they sent me forms to sign. I signed them and sent it back to sears card company. 
But in XX/XX/XXXXI found these 2 transactions again in my account I called Sears card company again but they did not solve my complain. 
Thaese transactions are XXXX XXXX {$4100.00} TYPE Sale POST DATE XX/XX/XXXX REFERENCE NUMBER XXXX XXXX XXXX {$1300.00} TYPE Sale POST DATE XX/XX/XXXX REFERENCE NUMBER XXXX I did not made these transaction and I did not receive anything

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 06-02-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Trouble during payment process

Complaint: The problem arose when I tried to change the bank account from which my monthly mortgage payment is taken.     I spent hours over 3 days trying to change the account online, as well as talking to a number of people on the phone. I eventually found out that what I thought I could do myself online could n't be done.     Chase wasted a lot of my time and would n't do anything but apologize on the phone and offer to send me a letter of apology, which would n't even be signed by a person.  <P/> I did n't pick Chase to service my mortgage so I ca n't take my business to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Bank account or service (Other bank product/service) with EARLY WARNING SERVICES, LLC (WA).
Issue: Account opening, closing, or management

Complaint: Early Warning LLC, XXXX, XXXX, AZ XXXX ; phone # XXXX Early Warning has my name in their database and they are reporting me to all XXXX Banks and informing them of some issue that was resolved by my Chapter XXXX Bankruptcy with XXXX In XX/XX/XXXX, XXXX had placed my name with Early Warning, XXXX without my knowledge as all of my bank accounts were closed because of this XXXX issue. It 's XX/XX/XXXX and still I ca n't even open a new bank account here in Washington state or any other state because of this " Early Warning '' against me. All debts and issues with XXXX has been resolved already with my Chapter XXXX Bankruptcy filed XX/XX/XXXX and XXXX XX/XX/XXXX. I have notified XXXX and XXXX and they have complied with XXXX Bankruptcy XXXX order ; however they failed to remove my name with " Early Warning LLC '' that is preventing me from opening my new Bank Accounts. XXXX failed to comply with XXXX Bankruptcy XXXX. XXXX complied with " XXXX '' out all debts with XXXX, I do n't owe XXXX anything all debts were XXXX via Chapter XXXX Bankruptcy Case # XXXX. XXXX needs to follow through and comply with XXXX Bankruptcy Law, if they XXXX all debts with XXXX then they should remove my name from " Early Warning '' because everything is XXXX and done. " Early Warning '' should be notified of my Chapter XXXX and that XXXX has XXXX all debts and issues and that my name should be removed from their database as XXXX, so that I can open a bank account.

Company response to consumer: Closed with explanation