milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2016 about Mortgage (FHA mortgage) with Sortis Financial, Inc. (MS).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage loan with XXXX Bank. It was an XXXX loan and you guys have helped out greatly with that. However, they sold a portion of the loan to Clearspring Loan Service in Texas. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I have been paying them back a portion of the debt. They called me and I felt forced to make payment arrangements. This is still showing up on my credit report as collections for almost 3 years and I 've made arrangements. I still feel like I 'm being held hostage by XXXX when they did nothing to help me when I reached out to them for assistance. I 've increased my payment to Clearspring from {$100.00} to {$400.00} a month and they continue to report negative information to the credit agencies. Is there anything you can do to help with portions of loans that were sold to other companies? Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Radius Global Solutions LLC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received correspondence from Central Credit Services LLC dated XXXX XXXX, 2015, XXXX XXXX XXXX about a debt to XXXX for {$110.00}. I had no idea that I owed this, as this was the very first thing I have received about this debt. In this paperwork it stated that if no payment was made that this would be reported to the credit bereau in 45 days. I made one payment on XXXX XXXX, 2015 for {$25.00} and was just about to make another payment when I received an alert from XXXX XXXX which alerted me to this being reported. This should have never been reported since I made a payment before the 45 day period had ended. I contacted this collection agency twice about getting this removed from my credit reports and both times I was denied. I paid the balance owed on XXXX XXXX, 2015 which was {$94.00}. My point here is I made a payment before the 45 day period ended and if you really want to get technical I paid the entire balance within the 45 day period. 45 days from XXXX XXXX is XXXX XXXX. I feel I am being treated unfairly and I would like this removed from my XXXX, XXXX & XXXX reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Pinnical Credit Services. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There are inquiries that I did not acquire debt and there is obsolete information concerning the correct spelling of my name and workplace.

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 02-03-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was able to go online and get XXXX of my XXXX credit reports ... with the exception of my Equifax Report ... there has always been problem with them. Either I ca n't get the report or their dispute process links are broken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Problems caused by my funds being low

Complaint: I noticed online I had XXXX overdraft fees of XXXX a piece to the sum of {$170.00} and XXXX overdrawn limit fee of {$35.00}, totaling {$210.00}. I set up an appointment for thursday, XXXX XXXX @ XXXX and once there explained that my grandfather was recently diagnosed with XXXX XXXX which has also affected his XXXX and only has a short time frame XXXX and so I had been having extra expenses dealing with family and my father in helping my grandfather. When I visited the branch location at approximately XXXX I waited. There was another lady that arrived XXXX minutes after me and firstly they saw her first in which she did not have an appointment. I work XXXX with XXXX so I understand formalities, but also common courtesy. I explained to the first agent ( do not know her title ) regarding what had been happening and that I am requesting forgiveness of these fees due to circumstance. She advised me that her manager would make that call and she had to go talk to her. So, she went to do that and a manager came over and immediately stated that their system would not allow them to do it, and immediately told me to open a line of credit to take care of it. I was confused and asked who is the manager and who is in charge as the first agent made it seem as though she ( the assistance or whatever her title is ) would make that decision. She immediately tries to sell me on the idea of a credit card again. I 'm thinking how is this product going to help me right now in the moment with my situation and fees that I have by opening a new line of credit and dealing with family issues. So, they advise me, the manager, XXXX would be who I would speak with. They also advise me that she would be in that afternoon. So, from XXXX XXXX I call several times but could not reach her. There was not an email on the card they provided me. So, when I did reach someone, a gentleman answered and he took my information and stated that she would call me back. Well, I never heard from XXXX. No one every called me back. Not good customer service. I have been a customer over 10 years and if these fees can not be waived I will be closing my account and moving to another bank.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX has allowed the personal identity of myself, and my 4 family members to fall into the hands of criminals. They did so knowing there was a weakness in their security, and their top executives sold off stock in their firm, before making it public, protecting themselves, at others 's expense. 

I believe a crime HAS been committed, and I should be able to place a 7 years freeze on all 3 of credit bureaus for myself and my family AT NO CHARGE! 

Alternatively, the federal government should allow each of us to change our social security card. 

I am dismayed by the lack of federal attention to this matter. I expect it from the Criminal in Chief and his team of hacks, ( Trump ), but hope for better from your  department in the days and weeks to come. 

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 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (GA).
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 submitted a request for   XXXX   to block fraudulent information on my credit report. I submitted a police report that I filed in person, an identity theft affidavit that I filed with the Federal Trade Commission, my driver 's license, social security card, and a copy of a recent bill with my request. When I reviewed my credit report I did find that  XXXX  had blocked the majority of the information from my credit report that I had sent them via certified mail with the exception of (  XXXX  ) accounts, but these accounts were also listed i my list of fraudulent items to be blocked from my credit file. I do n't understand why   XXXX   chose to pick and choose the accounts that they would block from my credit file when I plainly told them all of the ones that were as a result of identity theft. The accounts that   XXXX   refused to block were as follows :   XXXX   XXXX   XXXX    Account Number  XXXX  this is a fraudulent account and should have been blocked with the rest of the items that I identified to  XXXX  were fraud.
  XXXX   XXXX   XXXX   XXXX   XXXX   Case  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   Case   XXXX   Both of these bankruptcies should have been blocked too because they were both fraudulent/not mine and I plainly explained that to   XXXX   by phone and by certified mail. They claim this fraudulent information was provided to them by LexisNexis, but regardless they are continuing to report information that they have been made aware was as a result of identity theft which makes them just as liable as Lexis Nexis.
LexisNexis was also sent a certified letter making them aware that they were reporting a bankruptcy under my name and social security number that did not belong to me. Lexis Nexis never did respond to my certified letter and continue to report the same fraudulent information. I have tried to resolve this with both companies in professional manner but they both feel that they do n't have to honor my request. It seems they do n't know what the phrase " I was a victim of identity theft means ''. These companies want to tell you that they verified your name and social security number and address, birthdate and so on and so forth, but if they were very well versed in what Identity Theft is they would know that means that someone has used all of my correct personal information to open fraudulent accounts to include credit accounts, bank accounts, bankrupticies and all of that. They simply do not care they would rather punish me by continuing to broadcast this fraudulent information which is also defamation of character when i have told them that it is inaccurate and fraudulent and then they continue to do so. They are willfully and maliciously continuing to report information that both companies know to be false/fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Debt collection (Payday loan) with J.S Resolution Group, Inc. (SC).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I was contacted by a representative from J. S. Resolution, saying that I owed a debt that was several years old. I had never heard of the payday loan company. They claimed they had the check, and it would be returned to me once I made the payment.The representative was rude every time I spoke with him. I was trying to get as much information as possible to make sure I was doing the right thing. Now that I have paid it, he said that the judge has the check, and I opt out of getting it back because I did n't take it to court. What proof do I have that this check would not come up again, he did n't have an answer, and became exdtremely rude. Because I called back and questionsed him, was I guess another reason for his rudness. I paid it. I just want proof that this same check does not come up again. If I have done wrong, I took care of the matter. Because I asked questions is no reason for the rude behavior. He was uppose to be a professional.How do I get the check back?

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (OH).
Issue: Trouble during payment process

Complaint: My mortgage was acquired by GreenTree/Ditech financial.nearly 3 years ago. Shortly after it was acquired they proceeded to modify terms of it even though I had gotten a letter that stated that nothing would be changed in terms of my 1999 loan. First the stopped applying excess funds to my loan balance and told me it was their policy to do it. Then they told me that they were going to start escrowing my account even though I have never had one to make it easier to resell and continue serving loan. This not only added escrow fees but gave them free loan of funds to use. I refused to agree and continued paying my taxes myself and paying mortgage. They stopped applying funds to my mortgage some time ago and placed them in escrow or somewhere else and withheld thousands from loan payment and run up late fees, extra interest and damaged credit to make it impossible to refinance loan. Talking to them about it is a waste of effort. I can documentment all payments sent to them in a timely manor. Concerned I could possibly loose house

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed the tax lien from XXXX office in the state XXXX to credit reporting agencies. It was filed in error. It was for unpaid taxes for the year of XXXX. I do not owe any taxes to the state XXXX because I am not a legal resident XXXX. I am XXXX military and a legal resident XXXX, which is who I pay my taxes to. It was because of me having an XXXX address that had triggered that. I submitted all supporting documentation and it still was not deleted. I received the copy of my credit report from Transunion on XXXX XXXX XXXX that was generated on XXXX XXXX XXXX. It has been removed from my XXXX report and I am still awaiting an answer from XXXX. Please remove this 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 12/13/2016 about Consumer Loan (Installment loan) with BARCLAYS BANK DELAWARE (CA).
Issue: Shopping for a loan or lease

Complaint: closed the credit card paid in full and after a {$25.00} bill came in and I was never contacted or called on me. After checking my credit score I noticed a drop tremendously I called them and paid the bill in full. I 've tried multiple times to get them to remove it.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Equifax website does not respond or malfunctions every time I make a request for a free annual report. This has happened at least three times when I tried. Something is wrong with Equifax 's consumer reporting website, it does not follow through or complete the reporting process without some sort of glitch voiding the transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/14/2016 about Credit reporting () with Credit Plus Inc (DC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have written the companies as well as all XXXX bureaus to remove these inquiries off of my report. I did not give the companies that pulled my credit any type of permissions to do so. XXXX and Credit Plus have abused my report by pulling XXXX3 times in one week. Please see the attached document. I would like all of these hard inquiries taken off of my credit report. I have written letters to them to provide proof of my signing or requesting for their services and they have provided no information.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (NM).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: When due date is past one day I get repeated calls more that 6 in a day and some times more than 6 in an hour

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pressler & Pressler, LLP (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I filed a complaint with you against Pressler & Pressler and sent documentation of the paid debt to you. They were still allowed to take money out of my bank account and place holds on my motor vehicle registration until I paid the amount they listed. After seeing your action dated today I am wondering if I will receive any of the money taken from me. I also have an additional complaint ( # XXXX, XXXX XXXX XXXX ) with you that I have not received any response from. I am concerned that the penalties received are not being given to the people wrongfully strong armed into paying and not receiving the money back. Please reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: On XXXX XXXX, XXXX, I opened an account at the local branch of Bank of America near my how so I could get a safety deposit box there. When I signed up for the box, I agreed to allow Bank of America to charge a {$50.00} rental fee for a small deposit box. I never received a safety deposit box and despite several requests, I still have n't received a refund of the rental fee I paid over a year ago. 

I did n't get a box right away. The teller had me return to get a key to my safety deposit box. So I returned and then it was so busy that no one could help me get access to the safety deposit box. So returned on another day and when the staff finally accompanied me to the boxes, it turned out that a ) when I tried my key on the box, it did n't work ; b ) once management retrieved their key and opened the box, we found someone else 's property inside. XXXX promised to figure out the problem and get me a security deposit box. I did n't hear anything back. 

I called and did n't receive any information. I went back to the branch and was told I 'd receive a call. I did n't receive a call. 

I returned to the branch to request a return of the {$50.00} service fee and the XXXX, who was openly rude to me, finally said he could not reverse the fee but would see to it that the fee was reversed by Monday. It was n't reversed. 

I became tired of trying to get this money back from Bank of America. I probably spent XXXX hours over the course of months showing up to the bank, waiting for a teller, explaining the situation repeatedly. Finally, I gave up.

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 08-12-2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I contacted BOA XX/XX/XXXX to let them know we wanted to short sale the home. I was told we had to apply for and be denied a modification first. I provided the requested documents, was contacted for more documents, and this cycle continued for five months. Despite sending in a requested letter of explanation on my situation in XX/XX/XXXX, and requesting a short sale, NOT a modification, my file remained in review for modification until XX/XX/XXXX. I 've heard multiple stories about the process to get this done and have received bad information, faxes and emails were " LOST '' phone calls NOT returned, etc., all to find out I am still in the beginning stages of NOTHING. All the while, I have a contract for purchase on my home that was signed months and months ago. Most recently, my real estate agent was asked to open a file in equator and when she attempted to do so, was unable to due to " lender placed property is already active '' error message. She reached out to BOA for help in getting access to my property in equator to move this along, and after several messages to XXXX people ( XXXX XXXX - XXXX ext. XXXX. His manager is XXXX XXXX - XXXX ), they still have not received a call back. The first message was left on XX/XX/XXXX ( SEVEN days prior to today ). I have also called the manager referenced above ( XXXX XXXX ) and have not received a call back. I have done everything in my grasp to make this situation right, and it 's dragging out longer every time I turn around. I can never speak to the same person at BOA and get different information almost every single time I call. With a check of the phone conversations ( which are recorded ) you can see the different stories I have been given. You can also look at the log of information BOA requested, and notice how quickly I have provided everything they ask for, sometimes more than once. The buyer who placed a contract on my home has to move from his current home XX/XX/XXXX. We are nearing that date and he is going to walk away if we can not make some headway here. This company is disorganized, lacking in basic knowledge and completely lacking in efficiency. I am seeking a manager or leader of some sort who can help me through this process. It has been over seven agonizing months of chasing my tail. While I understand a short sale can take time, unfortunately, I have n't even made it to that department yet due to sheer incompetence. Thank you for any help you can provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation