milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On  XXXX   XXXX ,  XXXX  I made an appointment with a local branch of the Bank of America in  XXXX , NC in reference to a refinance home mortgage ( 15 years fix rate  ) . During the interview process, I presented all of the required documents along with authorization of  credit score check. Once initial application was completed and reviewed by the loan officer  NMLS ID :  XXXX  she advised that everything looks great and I should n't have any problem at underwriting etc for official approval of the loan. She requested my credit card information for an appraisal that she wanted to order right away and credit run fee total of {$540.00}. I asked her twice can you please make sure everything is correct and the estimated value she defined is realistic. She further assured me that her estimates are the worst case scenario and even if something changes we should be alright. About a month into the process an appraisal was completed and a report was generated which came close to a realistic value that was also available on  XXXX  and other websites. All of a sudden my application disappeared from the BoA website, and I made contact with loan  officer  but was unable to get a hold of her. About 5 days later she sends me an email stating that she not sure what had happened to my application and she will advise once she finds out what happened. Next day she sends me an email saying your brother does n't have enough established credit so that is way your application is denied . ( FYI,  my brother paid {$8000.00} in student loans in  XXXX  and a car loan of {$12000.00 } )  I asked her to please explain to me why all of a sudden she realized that my brother does n't have enough credit because she had all of the information during the initial application process. She ran the credit and carefully looked through and said you guys have excellent credit. She asked for more time and advised she is working very hard to get my loan approved. Few days later I received a letter from BoA stating apprised value came low and that is why the loan was denied.     I do n't understand why the l oan officer and BoA responses are so different from each other. I believed loan officer de cision to over estimate my home and had me pay for the appraisal shows lack of knowledge and bad business practice. I lost {$540.00} and still do n't know for sure what took place and why I have been denied.

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 07-06-2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: In XX/XX/XXXX Regions Bank started offering a promotion of {$400.00} to sign up for one of their life green checking accounts and meet certain account conditions for those that signed up via email for the offer. On XX/XX/XXXX I signed up, via email, for the {$400.00} promotional offer. On XX/XX/XXXX, I  applied for and opened a LifeGreen checking and savings account at their Shoppes At XXXX XXXX Branch in XXXX, Texas. <P/>The promotion details stated that I must, open any personal LifeGreen checking account by XX/XX/XXXX, make 10 purchases with your Regions Visa Check Card ( Purchases must post within 60  days of account opening ) and enroll in Online Statements through Online Banking ( within 60 days of account opening ). These requirements were met on XX/XX/XXXX. The stipulations further stated that the {$400.00} will be credited to your new account within 120 days of completing these steps. <P/>120 days later on XX/XX/XXXX, my bonus still had no posted. I contacted Regions bank and after a few weeks of waiting they informed me that my account has been soft closed due to carrying a XXXX  balance and that because my account was soft closed that I was not eligible for receive the bonus as my account wasnt open at the time of issuing the bonus. <P/>After reading through the deposit agreement and their pricing schedule it has become apparent that Regions does not specify a minimum account balance to keep an account open and that they are just using this as an excuse to not pay out the bonus that I rightfully deserve. Regions only mentions what they consider to be inactive accounts on their pricing schedule sheet and it states that An inactive account is defined as an account having no customer-initiated activity for a period of 92 consecutive days. I have had a deposit and a withdraw every month since I opened the account, therefore, I know that my account has always been active and they wrongfully, if not illegally, soft closed my account.

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 07-12-2017 about Debt collection (Other debt) with AFNI INC. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: AFNI inc. is continually updated the date reported on my collection account. The account was initially reported in XX/XX/XXXX Just today, after I just submitted a complaint about the company ( XXXX ) on XX/XX/XXXX. Today ( XX/XX/XXXX ) they flagged my credit report with the same collection account only update the status date to : XX/XX/XXXX. They are clearly attempting to poison my credit report my falsely reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company used my social to look at my credit report. I did not give them permission, nor did I ever inquire with their services. I believe they are doing fraud.

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 11/18/2016 about Debt collection (I do not know) with Midwest Recovery Systems (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have had a collection account for {$890.00} placed on my credit file for all XXXX credit bureaus for an account that I do not recognize. I have never received any correspondence from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing statement

Complaint: I had called capital one on XX/XX/XXXX a day after my due date of XX/XX/XXXX I asked agent id # XXXX to wave my late fee because i was a day late and to make a payment. Then i set up auto pay so this would not happen again, they waved the fee, i made a payment and set up the autopay but unknown to me they never processed the payment and i didnt know till i got my next statement and a alert of my credit report for being 30 Days late after filing for a personal loan for a medical purpose. I called and opened a dispute XX/XX/XXXX with agent # XXXX on XX/XX/XXXX i called back and explained the issue and agent # XXXX waved my XX/XX/XXXX late fee because in fact i shouldnt of been late since i thought i made a payment but they didnt process it and my auto pay wasnt enough to cover the past due amount from capital one not processing my XX/XX/XXXX payment after doing so by phone. On XX/XX/XXXX i received letter from dispute saying they listened to call and i didnt make a payment i called agent # XXXX who put in for someone to listen again. I got a call the next day from agent # XXXX from florida, saying she heard the call and i didnt make a payment but i know i did at least i was under the impression that i did. I then called back on XX/XX/XXXX again and spoke to agent # XXXX who was in utah, who i have recorded under the federal one consent law 2511 part 2 subpart D under instructions from my lawyer. This agent agreed that they would only wave that fee if i was making a payment and then seen how they also waved the XX/XX/XXXX fee and then informed me that she could see that i called in to make a payment. This same agent told me she would talk to her upper management and get back to me but hasnt in 2 days in which i called back and spoke with agent # XXXX from virgina who along with every other agent before XXXX would refuse to even try and help me. I would never waste my time arguing about this! I have more constructive things to do then waste my time, but the problem now is my credit score dropped XXXX points and i filed for a personal loan for a medical purpose and was denied for a recent late payment being this one so now it has cost me a finacial hardship along with defamation of character and capital one has refused to report to the credit bureaus that it was a mistake on they 're part and correct it. I included the statement showing the XXXX fees being waved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX credit cards on my credit. That are n't mine. I had XXXX XXXX visa card and that one was paid off and closed by me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I tried for two months to ask Equifax to remove inquiries on my credit file that I do not recognize and to correct my name. I have sent them my drivers license and my SS card and nothing. Sthe hack my credit has been giving me issues. As a person who is having issues with information on my credit file its frustrating to see that the agency wont correct this. As a result, I will be canceling my Equifax premium account.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: To make a long story short, I was notified in XX/XX/XXXX that my mortgage company was paying the wrong PIN # out of my escrow for property taxes since XX/XX/XXXX. I first found out from a neighbor in my condo complex as her taxes were paid and she had not yet made a payment. I then was notified by the County that I may be eligible for a reimbursement due to me paying someone else 's taxes. After further investigation, it was determined that my taxes were not paid for an entire year and I had a lien. This has since been resolved by my mortgage company, but it was resolved with my money in my escrow. I have sent in two formal complaint letters to my mortgage company trying to understand the issue. I have also requested documentation proving what all my escrow disbursements since XX/XX/XXXX have paid. My first written dispute was sent on XXXX XXXX, XXXX. I received a resolution letter on XXXX XXXX, XXXX, however, it did not address ANY of my concerns or disputes nor did I get any of the documentation I requested. So, I sent in another written dispute letter on XXXX XXXX, XXXX addressing the same concerns I had back in XXXX. I have received a couple acknowledgement letters since XXXX XXXX, XXXX, but it is now XXXX XXXX, XXXX which is 124 days since my formal written dispute and I have not received a resolution. I have not received one letter, one email, or one phone call to at least try to address my issue. I work for a Financial Institution, and in fact I manage the area of the Bank that handles all the Consumer Loan error resolution inquires and complaints. I have a pretty good understanding of what regulates the consumer rights when it comes to Real Estate Secured consumer loans ( especially since XXXX XXXX ). There could be no issue with the way my mortgage company processed my tax payments since XX/XX/XXXX, but due to the lack of addressing my concerns, my complaints, and my disputes I feel as I am not being treated fairly as a consumer and should not have to wait this long to hear some sort of resolution. I have plenty of documentation to display my current efforts with my mortgage company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Debt collection (Other debt) with Penn Credit Corporation (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Penn Credit is trying to obtain money from me that I do not owe them. I called XXXX XXXX XXXX ( Original Creditor ) to get information on the account and they have no documentation or any paperwork that they can send me that can prove that I did not open this account. I explained to XXXX XXXX that this is fraud and I would like to fix the matter. XXXX XXXX told me that they could not do anything about it anymore. I have disputed this account with the credit reporting agencies XXXX, XXXX & XXXX and explained that this was Identity theft and the company does not have any documentation or any paperwork that would show that I did not sign up for utilities and that my signature would not be located on any of these documents. The dispute did not remove the items and they are still on my credit report pulling my score down. I contacted Penn Credit and the Customer Service Representative was not helpful either. All they have is a document showing that my name owes XXXX XXXX money but this is completely unacceptable. Someone used my information to open this account and I would like this item removed from my credit reports. It does not seem logical that there is n't an identity verification process that would verify the identity before issuing a line of credit ( Post pay Utility Credit ) to someone. This Debt does not belong to me and is Fraud and I would like to know what needs to be done to fix this issue so that my credit Report will be accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I co-signed student loans for my oldest son in XX/XX/XXXXthru XXXX. Then co-signed loans for my youngest son in XX/XX/XXXXthru XXXX. Both loans are now being serviced by Navient. 
My youngest son decided to consolidate all his loans thru XXXX XXXX. They have assumed his loan servicing as of XX/XX/XXXX. When I look at the loans on Navient 's website, they show still due. I talked to a Navient service rep who said I had actually signed loans for myself and I was still responsible for paying them. So Navient now says that the college must have double billed for his loans and I need to check with the college. In other words, my youngest son is paying off his student loan thru XXXX XXXX and Navient expects me to pay off his student loans, too!!! How did we get billed twice for the same amounts?!? I did n't go to school or receive any money but someone charged us twice for his loans and Navient expects me to pay back loans that I supposedly signed for that were for his student loan also! Navient says I did n't co-sign, I actually signed a " Parent Plus '' loan that is in my name alone, according to them. When I look at my account at Navient, it shows every loan for both sons as " Parent Plus ''. I did n't agree to that. I only co-signed. On the very first loan my father actually co-signed but they 're still saying the loan is in my name only. I 've seen all the lawsuits and complaints about Navient and now understand why!

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: In XXXX 2017 I submitted my forbearance letter the company said it will be deferred until next year. within weeks I get a noticed that I am delinquent and need to pay. contacted the company faced the needed information yet again get an information my account is delinquent and need to make payment. 
what I have noticed is that this particular company is n't clear on the information they provide for my student loans. I honestly do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Other

Complaint: I need your assistance in helping me to the Bank of America account removed from my credit file. This account was originally opened by me but since the account was opened, I lost my wallet and many of my opened accounts was compromised. I have informed my creditors that my account was compromised. So, this account should be removed due to fraudulent activities.

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 06/15/2017 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: Information is missing that should be on the report

Complaint: Experian report remains incorrect due to incorrect reporting by the Lender  XXXX . We never closed the acct. Our reverse mortgage lender paid them by agreement disbursement. We only requested they remove the lien on the water conditioner. They stated " due to that they are required by  the Fair Debt Reporting Act ''   to file that way? That remains a negative on Experian, has handicapped our ability to finance our additional debt and placed us in significant financial harm. Experian report #  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 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Attempting to dispute inaccuracies with TransUnion, but TransUnion is not allowing me access to 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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Conducted several free triple pulls through different methods. I identified incorrect information and submit the dispute on line and in writing. The following year the in correct and out dated information is still on my credit report. 

XXXX account opened in XXXX with a balance of {$850.00} Old loan accounts Closed accounts my ex-wife first name as current wife.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: That I was charged to much

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (I do not know) with AmeriCollect (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: AMERICOLLECT INC ACCOUNT NUMBERs:XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMERICOLLECT INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMERICOLLECT INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 07/27/2015 about Mortgage (Conventional fixed mortgage) with GATEWAY MORTGAGE GROUP, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company, Gateway Mortgage Group, double charged me, same amount on XXXX XXXX and XXXX XXXX, XX/XX/XXXXI contacted Gateway, they acknowledged that they double charged me and promised to refund me no later than XXXX XXXX, but they failed to do so.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Medical) with Synerprise Consulting Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have never receive any mails or phone calls from this company to inform me I have medical bills, and they report me without telling me I have debt or even try to collect bills! and I even have never receive original bill from hospital!!!! how could you report a person without letting she know she get debt!!! 
and the bills are just less than {$100.00}!!!

Company response to consumer: Closed with explanation