milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened a student loan in XXXX 2013 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$6900.00}????

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 03/24/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX received a text on my cell phone. Said it was from my bank. When I opened it the bank insignia looked legit along with bank name. It said there was a problem with my account and they needed to set aside a certain amount. The attachment was a questionnaire want my bank information. Felt it was a fraud since my bank does not have my cell phone number and know they would not be asking for my information via a text. Called Bank of America and they verified that they did not send it. They asked me to email the text to their Fraud Department. Did so immediately.

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 12-01-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Struggling to pay mortgage

Complaint: Bank of America has no consistent, real-time system in place. We have to constantly resubmit documents for remodification if our loan and the system says its still in process yet the account manager stated that it is not a reliable system and not real-time for the account status. She also stated that our remodification application was closed when we were previously advised that we would be contacted with an update on the outcome of the review. My husband and I were outraged to receive a preliminary foreclosure document delivered to our home on Thursday night XXXX/XXXX/XXXX. We never received this update that was promised to be communicated by Wednesday XXXX/XXXX/XXXX. Please help us!!!

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 04/21/2017 about Mortgage (FHA mortgage) with PLANET HOME LENDING, LLC (IN).
Issue: Application, originator, mortgage broker

Complaint: On Thu r. XXXX -17 th  e Direct or for Planet  Home Lending  argued with me about getting someone else to help me refinance my house. They request for documents that I already sent them. and wanted a new loan officer which was denied by  District Manager  in Florida by the name of  XXXX   XXXX . He was VERY RUDE to me and when I told him that I was going to turn him in and his response was that he did not care.They have my packet with a lot of personal information. I was promised a refinance. My loan number is  XXXX .   Would appreciate you help. My name is  XXXX   XXXX   XXXX  any question please feel to contact me either by regular mail which is at this address   XXXX   XXXX   XXXX   XXXX   XXXX   Ind.  XXXX  or e-mail,  XXXX  I am  XXXX  yrs old and a  XXXX   XXXX  and my doctor said no  STRESS!    Thank you!   Thu rs.  X/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with WAKEFIELD & ASSOCIATES, INC. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The California XXXX XXXX has demanded payments since XX/XX/XXXX, of which, any obligations have been barred by the maximum application California Statute of Limitations of four years on a contract debt. Up until last year, XX/XX/XXXX, it sought payment, with alleged interests of 10 % on an old account, in the amount of {$4900.00}. There has been no filing of a lawsuit to which I have been served, nor can I find a record of any judgment against me in this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Debt collection (Medical) with Rash Curtis and Associates (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Multiple calls it in one day, I 've told them to call me after XXXX because of work. XXXX will not work with me on making payments and have the debt removed from my credit report. XXXXsaid she only will have n't debt removed if I pay in full which I ca n't pay in full I would be more than happy to make payments only if they will remove my debt from my credit report once paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been checking on my credit reports daily. Recently I noticed a Hard Inquiry on one of my credit reports through XXXX XXXX stating that I " opened up a credit account through Wal-Mart '' I tried to disputed it but was n't able to because I had a pending review on another dispute I had submitted before. Just an FYI, i have been dealing with Identity Theft since the beginning of 2017 due to the fact that my personal information was stolen by an unknown person and this person or people keep trying to ruin my credit and my my personal information by applying for credit cards and other miscellaneous offers. I want to get this fixed as soon as possible because I have been trying to get my credit score to where I want it to be, and that 's at a excellent level

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Potential victim of Equifax credit breach. Upon signing up, received randomly generated answer.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: An erroneous amount was drafted from my bank account which amounted to an excessive overpayment XX/XX/XXXX. The loan servicing company refused to 1 ) refund me the difference, 2 ) apply the overage to the appropriate account in a timely fashion ( waited three to four months to finally do this all the while reporting negative information to credit bureaus ), 3 ) remove the late fees applied to my mortgage account, 4 ) reimburse me the subsequent NSF fees I incurred, and 5 ) correct the negative reporting to credit bureaus ( XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX ). Even though I contacted them timely and continued to follow-up up with the loan servicing company multiple times every month regarding this matter, I always received a different story or a request to resubmit the documentation I already submitted. It was not until I filed a complaint with CFPB XXXX that all but # 5 from the list above was corrected to which I continued my dispute of their response. My credit rating should not be damaged due to SPS ' error and refusal to address the matter in a timely and equitable fashion. The loan servicing company made a mistake and now they just need to be accountable for their error in its entirety. Reporting negative information implies that I was not handling my financial responsibilities and I definitely was at that time and continue to. 

Loan Servicing Company - Select Portfolio Servicing ( XXXX ) XXXX or ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit card () with PENTAGON FEDERAL CREDIT UNION (WI).
Issue: Balance transfer

Complaint: Dear CFPB Staff : Tempted by an offer in XXXX 2016, I initiated a balance transfer with Pentagon Federal Credit Union, and wanted to transfer {$1300.00} from my XXXX XXXX credit card ( XXXX XXXX card ). Three months and hours of phone calls later, I still have a debit balance on my PFCU account for the {$1300.00} transfer, but never benefited from the transfer at all. We did determine through phone conference calls that PFCU put the wrong account number on the check they sent to XXXX, who claims to have sent the check back to some other account holder ( due to the wrong number on the check from PFCU ). XXXX then offered to stop payment on that check and mail another check to me, which I would then remit to PFCU so they could remove my debit. That was three weeks ago and I am tired of waiting. 
[ Find below a recent email from a PenFed representative. ] XXXX XXXX XXXX PenFed CU customer XXXXXXXXXXXX XXXX XXXX Dear XXXX XXXX, I apologize that this situation still has not been resolved for you. When we last spoke with XXXX, they said that they were going to issue a stop pay on the check they issued back to PenFed and then issue a new check payable to you. I am happy to assist you in making another call to XXXX 's in regards to the check that were supposed to be sending you to see if we are able to get a status on it. As you know, XXXX will not speak with me about this issue without you being on the phone and giving your consent for me to speak on your behalf. Please let me know if this is something you would like to arrange. If so, please give a day and time that will work for you for us to call them together. Once we receive the check I assure you it will be backdated to the date of issuance. 
Again, I apologize for all of the inconvenience this matter is causing you. I will continue to do what I can to assist you in getting this matter resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX : XXXX | XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX PenFed.org ] XXXX XXXX XXXX PenFed CU

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 06-08-2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Customer service / Customer relations

Complaint: I opened a sears credit card in XXXX, I was told I could use the credit card any where not just the store. It turned out I could n't, I tried using the credit card a week ago and I could n't use it. I spoke to multiple customer service representatives, who where unable to verified my personal information for security reasons after I sent the SEARS the requested documentation they needed. Many of their customer service representatives hanged up the phone on me because they refused to help me in my situation. The company lies about credit cards. The only time I was able to set up an online account to verified that I paid what I paid, that was the only time I had access to the account. Sears demands again all my information and I am not able to even use the credit card. In addition, I was charged {$35.00} fee for late payment because after days and days of calling the company to verified my information, they were rather interested in me paying that doing anything else. They did waived the fee, but it was not until I spoke to a supervisor after mostly all customer service representatives refuse to transfer me to the supervisor. The company lies and opens credit cards that are only good use in its stores, there was no information given nor terms of conditions when I open the credit card, so I do not know how much in interests I am being charges.

Company public response: Company 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. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax experienced a security breach where over 100 million people were affected. This was discovered over one month ago however they did not disclose this information to those affected. I only found out that they had been breached via news outlets.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Settlement process and costs

Complaint: XXXX XXXX XXXXXXXXXXXX. 
To Whom it may concern, Our loan is owned by XXXX, Until XXXX of last year we were being serviced by XXXX, do to circumstances beyond our control, we have had a few rough years starting with my health, in 2010 I had to have XXXX XXXX, ending up with me having to apply for XXXX. My husbands company in which he has worked for over XXXX years, was sold and under reconstruction he lost income there, my parents both died in XXXX months of each other and there was no insurance, we had to help pay funeral cost, these circumstances made it difficult for us to maintain a mortgage payment of XXXX. Last XXXX XXXX offered us a modification trial which brought our payment down to XXXX we have had no problem making this payment. and made XXXX in a row. After we made our XXXX payment to XXXX, we were switched to .Select Portfolio, we have had such a difficult time dealing with this company never get to speak to the same person XXXX, they assigned us an account person an til this date never spoke with .or if you leave a message, do n't return any calls. So they sent us a letter from XXXX saying they were n't going to honor our trial, a letter which we never received. I called XXXX and they stated that the offer was not declined and XXXX should be finalizing the agreement. 
I have a letter stating if we make XXXX payments of XXXX we would be permanently have that payment, XXXX even sent us a XXXX write off and XXXX company did n't honor that either. Why would XXXX send us a wrote off if they were n't going to honor the trial. XXXX told us we had to apply for your in house modification, in which we did and it has been very difficult, I have faxed it at least XXXX different times and even register mailed it, each and every time, I was told something was missing, even when I sent the registered letter, someone told me they did n't receive it, and I had the computer in front of me and I had to say someone signed for it, ( That 's funny I have proof that someone in your company signed for it ), I was put on hold and then told yeah we got it page XXXX is missing. When we finally received paper work from them instead of offering us a modification, their expecting us to pay 3000.00 a month, to catch up back payments not honoring the XXXX straight payments we made, their trying to say were XXXX behind if you subtract the payments we made it would n't be that much, along with the paper work was an application for short sale, they even had our home apprised which gave rental value of the house instead of market value, also on the paper work our income is n't correct, they have us making more then we actually make, I feel instead of helping us maintain our home, XXXX is trying to either foreclosed on us, or do a short sale it, do n't want to help us at all. 


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Select Portfolio Servicing , Inc .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX, 2015 I called into Bank of America to stop a payment on a check that I had written because I did not have the funds in my account to cover the check. The check was created using the Bill Pay system and had not yet arrived to the merchant. The rep I spoke with entered some information and said it was done. 10 days later on XXXX XXXX, 2015 I checked my online bank account and noticed I was overdrawn XXXX because Bank of America decided to not stop the check and then charged me XXXX in overdraft fees. As the time as progress Bank of America is still charging me overdraft fees even though I made a deposit of XXXX to cover my fees. After making a deposit my account was XXXX. The very next day on XXXX XXXX, 2015 I was charged another XXXX because my account was overdrawn XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My lender, US Bank, has done everything possible to put roadblocks on the way to avoid providing any help for my financial situation. Each time I have filed for paperwork for modification, they have made mistakes and wrongfully calculated numbers or completely avoid communicating with me in order to waste time purposefully. As a result I am way behind on my mortgage and risk losing my home. Most recent application for modification was denied because they chose to calculate my income completely wrong. I have done everything possible and given them correct information yet they have constantly made errors and brought major point where modification programs are going to be expiring at the end of the month in few days and I will have no help from them or anybody else. According to them my monthly income is {$5400.00}. In fact my monthly income is {$7300.00}. If you start with wrong income, result would be wrong. I have tried everything possible to correct this error and have not gotten anywhere. I really need your help or I 'm going to lose my home and become homeless. Which I suspect is their intention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I split our mortgage payment. We XXXX made our payment, but mine was dated with last year 's date of 2015. XXXX mortgage sent my portion back stating it had the wrong date. I immediately bill paid the payment. I received a late fee of {$79.00} because my half of the mortgage payment was past their grace period. I tried to contact them via phone, but there is automated systems only. I contacted them via email explaining that my payment was n't late it was on time they returned it. That does not seem legal to me. Please advise me if this company can charge a late fee when they in fact receive payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Other financial service (Check cashing) with ACE CASH EXPRESS, INC. (FL).
Issue: Customer service/Customer relations

Complaint: I had a check made out to my son I was attempting to cash using a POA. I reached out to Ace Cash Express at XXXX XXXX XXXX XXXX FL XXXX. I spoke to XXXX. She stated that they could/should be able to cash the upon confirmation of 3 items : 1 ) call the attorney to confirm the check is legitimate 2 ) Call the XXXX and confirm my son is there ( the reason for the POA 4 ) Speak to the person that notarized the document to confirm that is legitimate Once these steps were completed I awaited word that her manager would sign off on the check. 
The manager XXXX the District Manager called. He stated they would need another/a 2nd POA from my son in XXXX specific to the check. I explained that was redundant and I will see my son on Saturday and take him to cash the check. 

I had one SIMPLE request for XXXX ( he refused to provide me his last name ). I requested ALL my personal information be removed from Ace Cash Express ' System. I have never, nor would I ever, do business with them and did not feel comfortable with my ss # /DOB/ address etc in their system. 
XXXX refused to remove my information. 
I informed XXXX I provided my information based on the XXXX 's statement that she could cash the check. I would not have given my information to Ace if not for her stating they could do the deal. 
My personal information is mine and I chose to protect it. I feel its completely within my rights to have it removed from their system. I do not nor have I done business with them -- they have no right to hold my information hostage like that. 

I would respectfully request that ALL my personal information be purged from their system. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 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: Back in the end of XXXX, beginning of XXXX I filed a complaint about this loan which they say is mine. When I try complaining, all the credit bureaus do is try to get me to admit it 's mine. At the time this loan supposedly took place, I was freshly out of the hospital from my second XXXX. I 'm still XXXX XXXX XXXX XXXX XXXX, and the dmv had revoked my drivers license for medical reasons. I called XXXX XXXX XXXX  and explained to them, but they did n't want to hear it. I wanted them to show me the contract that I signed, that would have proved it was n't my being that I 'm right handed. After hearing that I had complained they closed the account, the original opening date was X/XX/2013. The item still appears on all three credit bureaus, and I want it off.

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 04/17/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I 've been trying to dispute an account with this credit bureau since last year. After receiving a result letter from this bureau stating that I need to contact the collection agency that exactly what I did. I sent XXXX what I read as a " proof of claim '' letter and they responded with a contract that is hard to read the name is very blurry and illegible. The name on the contact saw a lady 's name of XXXX XXXX or whomever. See what I received in the attachment

Company response to consumer: Closed with explanation