milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have a tax lien still reporting on my credit! the tax lien was paid in full in XXXX, but never filed with the courts cause irs was unable to provide me a copy of the lien release but cause of the age of the account, but that I would be able to get it from the court house which XXXX county could not provide! so this paid debt sits on my credit report and every time I dispute them they are always validated! because I do n't have forms to file at the courthouse! ref number XXXX DATE FILED XX/XX/XXXX Status Filed Amount {$1900.00} Classification Lien Type State Tax Lien

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have reviewed all   XXXX   of my credit report have saw numorous hard inquiries on my report i never gave approve for such as.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   There is numerous   XXXX  inquiries  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: I'm trying to improve my credit a company called XXXX XXXX. while trying create an account XXXX XXXX. owing XXXX XXXX XXXX {$4.00} having me under suspected fraud Activity for date XX/XX/2016. I'm not sure what to do

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 12-04-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Loan modification,collection,foreclosure

Complaint: Trying for two years for modification. Turn down four times first time not enough money, sec time to much money, third time not XXXX days late, the last not enough money and I got XXXX days late. They took 4 months to tell me this, and I gave all doc. They ask for. I want to keep my house. I had XXXX hardships a XXXX XXXX and loss half of my income. They just play a game with u and string u along.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage sent me a monthly statement on XXXX/XXXX/XXXX stating that my payment was {$1500.00}. My payment had always been {$1100.00}. I contacted the Vice-President, XXXX XXXX who indicated that they did an escrow analysis on my account and that they realized they had n't been collecting enough of a payment. Strangely though, there was no increase in my taxes or insurance. As a matter of fact, my taxes went DOWN. Employee error is the reason my payment has gone up. There have been numerous employee errors on my accounts with Freedom Mortgage and I am growing so tired of it. 
I received NO notification of this until I got very upset in the email to XXXX XXXX and stated that I was never informed of this, and that this notification was required by the mortgage company. All they did at that point was email me their analysis that I had never been notified of prior to this date. 
On top of everything else, I sent in my regular mortgage payment for the XXXX XXXX, XXXX payment and received a notice of a " late payment '' since they refused to apply my payment. 
This is extremely concerning to me as many problems have occurred since I have had my mortgages with Freedom Mortgage. Since I have had my accounts with Freedom Mortgage, here are some issues I have had with them : 1 ) About a year and a half ago, I received a refund from Freedom Mortgage. I spent this on home improvement. A few months later, I was informed that Freedom Mortgage was then that amount short and needed to recover it and increase my payments. 
2 ) Freedom Mortgage neglected to pay my homeowner insurance bill. This was approximately a year and a half ago as well. My homeowners insurance actually ceased until I requested that Freedom fix the situation. 
3 ) I would gladly pay this amount if it was due to an increase in my taxes or my insurance, but as I stated previously, nothing was increased and actually went down. 

On top of everything else going wrong, I have received statements that say I owe more than XXXX payment and I had to email XXXX XXXX to figure out why they were trying to collect for more than XXXX payment. There is too much to go into detail, however, right now the main situation is my payment going up so high because of employees of Freedom Mortgage not doing their jobs correctly. A homeowner/holder of a mortgage should not be the person responsible when these employees do n't do what they are supposed to. 
XXXX XXXX stopped emailing me when I informed her via email that I had not received the appropriate documentation from Freedom Mortgage regarding any change/increase in my payments. I informed her that a mortgage company is required to notify me of any changes in writing and that this was not done. I did not hear from her or receive the assistance I needed after that time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/15/2016 about Credit card () with FIRST CITIZENS BANCSHARES, INC. (VA).
Issue: APR or interest rate

Complaint: In XX/XX/XXXX a fixed APR of 7.99 % was offered to me by the person who opened a credit card for me with First Citizens Bank. I received an activation letter with the credit card enclosed confirming the 7.99 % APR ( letter enclosed ). I transferred a balance to this card. There as been to other transaction on this card since it was opened. There as never been a late payment. The credit card company is now billing me at the rate of 8.24 %. I had XXXX conversations by phone with the credit card company on the morning of XXXX. I was told in both conservations that the credit card company has no record of my rate ever being 7.99 %. 
A quarter percent here, a quarter percent there, adds up to millions. Think that is why they ca n't find the records?

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: APR or interest rate

Complaint: In XXXX XXXX the bank arbitrarily changed the interest rate on Purchases from 18.99 % to 29.98 %. This change had no immediate impact on my monthly payment, because in XXXX XXXX I had a zero balance for Purchases. My balance of around {$12000.00} was composed entirely of XXXX special offers with an interest rate of 1.99 % ( see XXXX XXXX Statement attached ). I did not notice this change because I rarely looked at the statements, was not using the card, and the monthly auto-draft payment was stable at less than {$200.00}. 

However, in the ensuing years as XXXX of the special offers expired and I began to use the card for purchases, this excessively high interest rate of 30 % turned what had been an efficient financial instrument into a toxic arrangement equivalent to a payday loan. ( See Statements from XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. ) I have contacted the bank several times over the past 3 years, requesting that the usurious 30 % rate be reduced to something reasonable like 18.99 %. They simply respond that there is nothing they can do. I suspect that my account was targeted for this 30 % Purchase interest rate because I was not using the card and had substantial balances at only 2 % interest. Banks should not be allowed to set rates at 30 % for customers who make all their required payments on time, as I had done from XXXX through XXXX XXXX when they arbitrarily changed the rate.

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 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian has a medical bill showing as in collections. I first disputed the collection account and further sent documentation showing the debt was paid in full. They still determined that the debt is valid. I believe they did n't even take the time to properly review my dispute.

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 Experian Information Solutions Inc. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Their customer service would not help and take care of the negative inquiries reporting to my credit report. I even sent a letter asking for removal. 

Inquiries for removal : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  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 04/19/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan modification,collection,foreclosure

Complaint: A qualified written request was submitted to the lender on   XXXX   with no response and no postponement of the sale date to allow time for there research to provide the requested loan information and history to assist the client in keeping there home

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (GA).
Issue: Problems caused by my funds being low

Complaint: Account was charged XXXX NSWF fees for transactions that show the account was positive at time of transaction. Was charged XXXX dollars for XXXX purchase XXXX Charges are as follow and order. 

XX/XX/2016 NSF CHARGE $ -XXXX $ -XXXX XX/XX/2016 NSF CHARGE $ -XXXX $ XXXX XX/XX/2016 NSF CHARGE $ -XXXX $ -XXXX XX/XX/2016 NSF CHARGE $ -XXXX $ -XXXX XX/XX/2016 NSF CHARGE $ -XXXX $ -XXXX XX/XX/2016 NSF CHARGE $ -XXXX $ -XXXX XX/XX/2016 XXXX # XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XXXX {$14.00} XX/XX/2016 XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XXXX {$18.00} XX/XX/2016 XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XXXX {$19.00} XX/XX/2016 XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XXXX {$20.00} XX/XX/2016 XXXX ( XXXX ) XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XXXX {$23.00} XX/XX/2016 XXXX # XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XX/XX/XXXX {$39.00} XX/XX/2016 XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX XXXX -XXXX {$47.00} I also deposited XXXX dollars via the mobile app which has always posted the next day which would have covered the XXXX cents i was charged XXXX dollars for. The app always post the next day but this time it has not. I called the customer service line was put on hold for 45 mins and told they did n't have the tools to fix it. I was told the supervisor had stepped out, then told to write a letter, when I demanded to speak to someone. I was put on hold then hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I mailed a Multipl e Inquiry R emoval Letter by certified mail and the dispute was open on  XXXX   XXXX ,   XXXX  . I dispute d 1 inq uiry that were being reported inaccurately on my Transunion Credit Report. The dispute was open on  XXXX   XXXX ,   XXXX   and completed on  XXXX   XXXX ,   XXXX  . The request I submitted conta ined 1 hard inq uiry that was not factual and I received the response for the inquiry that read Inquiries listed on your credit report are a record of the companies that obtained your credit information. I am trying to see how a company was allowed to access my credit report without my permission. According to the FCRA rule s, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated. If you do not investigate AND respond, the CRA MUST DELETE the disputed information on file. The fact that a response was generated in 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I am submitting this complaint due to the lack of investigation into my original dispute for a hard inquiry that does not belong to me. I did not sign for anything. The inquiry does not belong to me. This is unfair practices by a credit reporting agency ( Transunion ) with no concern for the credit worthiness of a consumer.

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 05-04-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: Bank of America attempted to get updated information and, when they did not get it, they froze our account. First all the information, the information they wanted was updated " physical address '' information, where requests were made through email. My wife and I have been Bank of America customers since 1986. They should have phoned us if they were going to freeze our accounts. By freezing our accounts they 've knocked out check transactions that will have to be resubmitted and that will probably end up with additional charges from various creditors, not to mention jeopardizing our relation with those creditors. Secondly, my wife 's mother 's account is also with our accounts and also got frozen. Her mother 's account is with us for various reasons but is still her mother 's account. Her mother, who is in her XXXX, is currently with her sister on travel, helping her sister recover from a recent XXXX XXXX. My complaint is this ; YOU DO NOT DRACONIANLY STOP SOMEONES FUNDS BECAUSE YOU 'RE NOT GETTING INFORMATION YOU FEEL IS EXTREMELY IMPORTANT TO YOU AND JEOPARDIZE THEM FINANCIALLY OR WORSE, ESPECIALLY A CUSTOMER THAT HAS BEEN WITH YOU FOR 30 YEARS!

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 04-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I went to XXXX Bank to apply for a mortgage on XXXX 2017 and when the mortgage officer ran my credit, he said there was a charge off/negative collection account on my report that I did not open. I realized it had been a result of ID theft so I started the process of filing a police report and disputing it with the credit bureaus but nothing has been done yet and this is still damaging my credit!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY ().
Issue: Account opening, closing, or management

Complaint: I moved home to XXXX from the XXXX in XXXX 2014. Prior to leaving XXXX, a customer service officer at Wells Fargo cancelled my debit card linked to my account without my consent. By doing so, he restricted access to my funds both via using the debit card and through my online bank account. Fast forward to 3 years later after endless phones and writing letters including signed copies of my passport and all the requested information in order to verify me for security purposes, the bank refuses to give me access to my funds which have been sitting there since end of 2014 and statements of my bank account for the year of 2014 which has resulted in me unable to file my tax return on time. This has incurred a lot of penalties and charges. Their only solution has been to have me fly back to the XXXX at my own cost and come into a bank to resolve this face to face.

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 02/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I purchased appliances from Conn 's with a 12 month cash option. The loan debt was effective on XX/XX/XXXX and was due to mature on XX/XX/XXXX if normal payments of {$99.00} were made but my goal was to pay in full to receive the cash option. I made all of the payments ahead for time and my final payoff of {$200.00} was recorded on XX/XX/XXXX which was well within the 12 month cash option. Please note that I call Conn 's to receive my final pay off amount which was {$200.00} but they are claiming they have no record of the conversation. Conn 's has rejected the cash option because they claim I had multiple late payments but the loan ledger shows otherwise. Please help me. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2016 about Prepaid card (Electronic Benefit Transfer / EBT card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Managing, opening, or closing account

Complaint: I have an AMEX XXXX account and have had it for about 2 years. Approx 2 weeks ago, I requested a transfer of funds from my XXXX account, back into the account that was used to fund the XXXX Account, it is a XXXX Checking account. When I originally opened the Serve Account, AMEX requested that I " Verified '' the account that would be the source of funding for the Serve Account., I followed the procedure and the XXXX account was " Verified ''. After, 7 business days of waiting for my funds to be transferred into the XXXX Account, the " Verified '' funding source for my XXXX Card, I was instructed to go through the verification process again. I complied and it was completed this past Monday. Today is Wednesday XXXX XXXX, and the funds have still not been transferred. I 'm sure that AMEX delays these types of transfers to collect as much interest on these types of accounts as possible. This has been a horrible inconvenience and it should be stopped.

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 CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Statement closed XX/XX/XXXX. Payment due XX/XX/XXXX. Payment was made in full by XX/XX/XXXX. Interest was charged on XX/XX/XXXX, {$10.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with ASTORIA BANK (VA).
Issue: Loan servicing, payments, escrow account

Complaint: We have had our mortgage with Astoria Federal Mortgage Corp, recently changed to Astoria Bank, since XX/XX/XXXX. We have had an adjustable rate with this lending institution from day one and have been trying for 10 years to modify our loan to a fixed rate so it does n't continue to adjust yearly. In XX/XX/XXXX we tried for a modification, but we were denied because of lack of income and the collateral was not sufficient. But we continued to pay our mortgage for the last 10 years and have never missed a payment until XX/XX/XXXX. On XX/XX/XXXX our family encountered a true and devastating hardship. With a 2 day notice and no severance pay my husband lost his job of 15 years unexpectedly and through no fault of his own. We reached out to Astoria on XX/XX/XXXX and spoke with XXXX and she reassured us that this happens and our payments would more than likely be reduced our rolled into the end of our loan. We were hopeful. We immediately filed paperwork with the Loss Mitigation Department at Astoria. We contacted the Hope hotline and talked with a counselor, XXXX, who told us we were clearly eligible for certain programs put in place by the government to help families like our own. We also reached out to our local HUD agency and worked with a counselor, XXXX XXXX. Well after all that we received a phone call from XXXX XXXX from Astoria on XX/XX/XXXX ( but just received something in writing through an email today XXXX/XXXX/XXXX which put us past the 14 day appeal window ) that the committee would again deny us any modification because of lack of income ( no kidding ) and that they do not participate with HAMP. Lack of income is the reason we are in this situation in the first place. So at that point we were 2 months behind on our mortgage and incurred 2 late payments of {$160.00}. Our credit score dropped XXXX points in 3 weeks from excellent to fair. We are responsible people and have always paid our bills on time. We are still just trying to provide for our XXXX beautiful children on what little savings we have. We did come up with the past due mortgage amount and are now current on our loan. My husband is back working and we are trying to get back on our feet. We just want a modification so our rate does n't continue to change yearly. Sad when we have continued to pay our mortgage when they said we could n't, but with no help ever in the past 10 years, Astoria just continues to adjust our rate yearly. Predatory lending at its best ...

Company response to consumer: Closed with explanation