milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was contacted by a Law firm by a man named XXXX XXXX, stating they were from XXXX and XXXX Law Firm and they stated I was being sued by Bank of America. I told them the debt was not mine and that it was opened in my name when I was XXXX or XXXX years old by my parent. He stated that we could settle the debt for {$1500.00} if I paid now with XXXX percent down to avoid going to court or we can make monthly payments of {$150.00} and pay a balance of {$3100.00}. I told him I would call him back after speaking to my parent. I then contacted Bank of America and spoke with a representative. She stated that there was no one from Bank of America that was suing me and that they sold the debt to a company called XXXX XXXX. She told me it was sold in XXXX 2009 for the amount of {$1500.00} and that again, there was nothing in her records that said that Bank of America is suing me. I read on the statute of limitations in the state of XXXX and XXXX that I can not be sued for this because this is an open-end credit card and the statute of limitations has ran out. I feel harassed by this company for using scare tactics to collect a debt that I feel is not mine and harassing my other family members by calling them multiple times.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX we had fallen XXXX months past due with our mortgage. BOA said we are here to help you. While all along they have been giving us the run around and trying to foreclose on our home. They would not take any more payments even though we were only behind on XXXX payments at the time and suggested that we get a lawyer because they were not going to take any less than what was owed. We have been trying to work with them on a loan modification from XX/XX/XXXX till XX/XX/XXXX. We have been tossed around from multiple customer relationship managers. Some in which were very rude and ignorant and would not keep us up to date as to what was going on with our case or even return our call. At one point in our case they said that there was a code put on our account and that they could give us any information. However we are the ones that have the mortgage with them. They had supposedly qualified us for a special forbearance program however neglected to tell us the details of the forbearance and kept sharing our information on our account with a lawyer that we had fired months ago. Now they keep saying we do n't qualify for anything because we never signed and sent the special forbearance in. Well I guess not when they never contacted us with the details while all along communicating with the wrong lawyer. And not speaking the correct lawyer. Now they are forcing us out of our home because they refuse to work with us. The government has programs put in place for people that need help. And from every law firm that we have talked to we qualify for something because we have suffered threw a hardship. This has put a tremendous strain and suffering on our family. Bank Of America says they are here to help while all along they give you the run around and force you out of your home instead of working with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (TN).
Issue: Managing the loan or lease

Complaint: In XXXX I was late making my payment by a few days and was charged a late fee. In XXXX I filed timely and was charged a late fee. In XXXX I made my payment timely and was charged a late fee. In XXXX I made my payment timely and was charged a late fee. I have increased my payments and have never been late since. They have continued to charge late fees and others fees for the last 9 months. I have continued to be timely in my payments and have even increased my payments during this time. Now I am getting collection letters.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Bank account or service (Other bank product/service) with Comerica (OR).
Issue: Deposits and withdrawals

Complaint: Comerica XXXX Bank XXXX was entrusted to be my mothers mineral rights trustee and managed the trust from XXXX/XXXX/XXXX thru, upon their resignation date of XXXX/XXXX/XXXX. As successor trustee I reconciled the trusts known income and known distributions during this timeframe with our CPA and have come to the conclusion that Comerica embezzled {$47000.00} for the XXXX tax year. After their resignation and all transaction we completed thru XXXX/XXXX/XXXX, I formally sent them a 'notice of accounting objection ' with still no response and we determined the exact balance of {$38000.00} still owed the trust as we speak.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I am the co-signer on a loan for my son who attended the University of XXXX XXXX XXXX. The loan was with XXXX XXXX who then transferred it to Navient. My son went into the military after not completing his senior year. He served in the XXXX XXXX. He was not able to make payments on his loan though he was provided with deferments which increased a loan balance of less then {$20000.00} to {$38000.00} as of XXXX of 2016. When Navient 's loan collectors were not successful in contacting him they contacted me and threatened collection action which would result in garnishment of my wages. I paid them {$3000.00} and {$100.00} a month for three years hoping my son would get to a point of being able to manage his loan. He did not. Then after the three years expired in I believe XXXX of 2016 the payment plan with the debt collector stopped and Navient 's new debt collector started demanding new terms. I asked about a settlement of the loan. They agreed and in XXXX 2016 I paid {$14000.00} to settle the student debt. However neither Navient nor the debt collector XXXX has sent me correspondence saying the debt is settled. I also have a negative report from Navient on my credit report.This has prevented me from being able to make a loan for my daughter with the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Bank account or service (Checking account) with KEYCORP (OH).
Issue: Using a debit or ATM card

Complaint: This is in response to my dispute with Key Bank over transactions from XXXX that I DID NOT AUTHORIZE. There are {$5000.00} in fraudulent transactions from this merchant. In your letter to me you say that the charges are considered authorized. What??? Show me a receipt with my signature and I 'll let this drop! I did NOT authorize these transactions. I am NOT going to let this go! I 'm attaching the letter you sent me. Nowhere in your letter is there any proof of these transactions being authorized! Show me my signature! You 're just trying to take advantage of a XXXX man!

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (IN).
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: XXXX XXXXE XXXX SENT A LETTER TO ME AND XXXX   DEMANDIN G THEY REMOVE ALL XXXX XXXX XXXX XXXX AND XXXX XXXX TRADELINES FROM MY CREDIT REPORT. 

XXXX XXXXXXXX XXXX XXXX NO.XXXX6 XXXX NO.XXXX & XXXX NO.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have faithfully made payments to this collection agency for 3 years ( i have all my bank statements to prove ) but they did not notify me they were selling my debt to another agency and this agency is now attempting to collect on original amount of debt and none of my payments have reflected and they reported me to credit bureau as a " charge 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 10/24/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MA).
Issue: Unauthorized transactions/trans. issues

Complaint: I ca n't access my funds with RushCard

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (NJ).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: An account was placed under my name erroneously. Since then,  TD BAN K  USA/TARGETCREDIThas damaged my name, and my credit TD BANK USA/TARGETCREDIT has entered derogatory information into my credit file. Multiple dispute letter has been sent a nd company failed to response and failed remove item from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2017 about Payday loan () with Home Loan Center, Inc. (LA).
Issue: Applied for loan/did not receive money

Complaint: I did all the steps right they just di n't deal with my bank i was with

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: There is a account in collection on my Experian Credit report that is incomplete information and can not be verified and it still remains on my credit file. I have provided documents of the account and what missing and inaccurate information is on my file. I have also provided a letterhead document from the original furnisher of the account stating what I am disputing. This account must be deleted from my credit file 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 non-monetary relief
Consumer complaint received 06/22/2016 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NH).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it may concern : I have a complaint against Rushmore Loan Management Services. I tried to modify our mortgage with them and they refused and started bankruptcy proceedings. In order to stop the foreclosure I had to file for bankruptcy on XXXX XXXX, XXXX. Rushmore filed a proof of claim with inflated charges and through my bankruptcy attorney I objected to their inflated charges. We reach an agreement XX/XX/XXXX and it was court ordered for them to adjust the charges that they had originally filed. A second RESPA letter was sent to them XX/XX/XXXX requesting that they follow the court order and fix the charges that were on my mortgage statement. Rushmore responded to that letter and did not correct the mortgage statement as they said they would in their letter. Rushmore continues to charge bogus charges to my mortgage statement every month see attached statement the charges are listed under property preservation, corporate advances, and attorney fees. 

I would like to file a claim against Rushmore Loan Management Services for incorrect charges on my mortgage. I have attached files to support my complaint. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: On behalf of my client, I submitted a nonrecourse assumption modification package for review to DiTech on XXXX XXXX, 2016. On XXXX XXXX, 2016 I submitted additional documents they requested. Since that time to now, XXXX XXXX, 2016, this file has not yet moved to their underwriters. Their excuse is that they have a new computer system and the packages that have been faxed to them prior to their new computer system, are getting lost in the process. I stated that they should only be allowed no more than 30 days to review the file and if complete, they should have a decision no later than 45 days. The staff state that because this file was sent to them prior their new computer system, they are allowed to take as much time as they want to review this file. They state that this is considered an " in-flight mod review '' which means if the package was complete before their new system was installed, they can not request updated docs. I have not been able to get consistent information when I call to check status on the mod pkg. I was told on XXXX XXXX the package was showing complete and it was under review for QC to sign off and forward to underwriting for the XXXX XXXX. I was told that we should have a decision by the next week. Unfortunately, the file sat with DiTech 's QC department without the SPOC, XXXX ( Single Point of Contact ) making sure the file moved to underwriting. DiTech 's staff is incompetent and unprofessional. Today I was told they need additional information to move forward. Why has this taken DiTech 2-3 months to realize they need additional documents? Why are the responses from the staff inconsistent?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax continues to send me a letters stating the identification information I provided does not match their records. I sent a clear copy of my Driver 's License and Social Security Card. Equifax 's latest letter was dated XXXX XXXX, 2015 asking for this same information that was sent with a previous dispute letter. Please assist me in having Equifax delete or verify unauthorized Inquiries and disputes within the 30 day time frame. 

Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been trying to dispute a report. My tax liens have been removed as of XXXX XXXX,2015. I have a letter from the IRS notifying me that they were released. However they continue to be reported on my credit report. Each time I look up how to dispute a report I am taken to blogs about credit/collections advise. I only want this taken off my report. I am trying to buy a house. please take these off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Checking or savings account (Checking account) with WEBSTER BANK, NATIONAL ASSOCIATION (CT).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Between XXXX and XXXX my wife and I were in Arizona ; we live in Connecticut. On Saturday XX/XX/XXXX and Sunday XXXX we were denied the use of bank debit card for normal transactions such as purchasing gas and going to dinner etc.. Each time we attempted to use the card the transaction was denied. Our checking and money account balances exceeded {$35000.00} and our attempted purchases were approximately in the low hundred dollar amounts. This was a great inconvenience, embarrassment, and mistreatment to us. When I called our Connecticut-based bank ( Webster Bank, N.A. ), customer service informed me that because we were out of state ( i.e., Arizona ) the bank reasoned that it was fraud on the card and blocked access to the account ( s )  through the debit card. I asked the bank 's customer service individual why the bank did not contact us since it has our : two cell phone # s ; two e-mail addresses, and text access, and I was informed that they left a message on our home phone without ever attempting to contact us via the other contact points, which they have had for years. This makes no sense and was irresponsible on the bank 's part, particularly since my wife travels to California, XXXX, and Florida on business regularly, uses the debit card on the road, and has never had her access to funds/debits denied. The bank also indicated that we should have notified them that we would be traveling to Arizona - since when does a consumer need to share their travel plans with their bank? That sounds like an invasion of privacy to me. Webster Bank greatly inconvenienced ( and embarrassed ) us while we were in Arizona and failed to contact us when its had multiple communication options available. The bank denied us access to our funds on deposit and caused us economic hardship because we were forced to use our credit cards in lieu of having ample funds on deposit. 

The Bank 's approach in this matter was inexcusable and needs to be addressed. Further, I asked customer service if there is a 'travel policy ' that requires a depositor to inform the bank of his/her travel plans, and was told no ; but we should have!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Delinquent account

Complaint: T.D. Bank N.A. failed to provide me with a statement or bill for a credit card that I hold with their company. T.D. Bank N.A. then applied late charges while still failing to notify me in any manner that there was a balance on my account, and failing to notifying me of the application of late charges ( email, mail, phone, etc ... ). T.D. Bank N.A. then reported my account as delinquent to all major credit bureaus while still failing to notify me in any manner ( postal mail, email, phone, etc ... ) of the balance or delinquency. T.D. Bank N.A. still has not contacted me in any manner : the delinquency was reported to me by a third party ( XXXX ) which notified me of a drop in my credit score ( from XXXX to XXXX ). I learned of the score drop on XXXX/XXXX/16 and called T.D. Bank N.A. on XXXX/XXXX/16. T.D. Bank failed to acknowledge that it owed me any duty to supply with a statement and claimed that it did, although the company failed to do so. I called T.D. Bank N.A. again on XXXX/XXXX/16 to obtain a copy of the past 4 statements, which I have not received, so that I may request a correction to T.D. Bank 's reporting of delinquency to the credit bureaus, as well as to include in a report to the credit bureaus. T.D Bank first attempted to charge me {$7.00} per statement, although the statements were never initially provide. T.D Bank then finally agreed to waive the fee for two statements, but refused to waive the {$7.00} for the remaining two statements. T.D. Bank N.A. has created a system where they fail to notify customers of charges in order to charge as many fees as possible. This has caused graved economic effect to my credit score, exclusively as a result of T.D. Bank 's dubious, unethical, and likely illegal business model. The charge in question was a singular, automatic charge of under {$10.00}. The credit card is otherwise entirely unused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX security practices led to my personal identifying information being leaked, putting me at risk for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (Mortgage debt) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Rushmore Loan Management is trying to collect on a debt that does n't exist. Rushmore has illegally put my mortgage loan in default since receiving my loan in XXXX XXXX. I 'm providing my final and last mortgage statement prior to the transfer. Rushmore has the principle balance wrong. I also had unapplied funds which they have n't applied to the principle on my loan. In fact, the funds have disappeared. 

I want Rushmore to correct the principle balance and take my loan out of default. There have been significant violations of the Fair Credit Reporting Act. They should be fined for not having the correct principle balance and trying to collect on a debt that does n't exist. Also, the unapplied funds need to be applied toward the principle on the loan. 

I 'm attaching XXXX XXXX final mortgage statement prior to transfer. The XXXX XXXX XXXX mortgage statements shows the correct principle balance and it also shows it was current at time of transfer. You 'll notice, there are n't any late fees or any unpaid balances. 
I 'm also attaching Rushmore 's payment history which was provided to me in XXXX XXXX. This is Rushmore 's own data records. I marked all the payments that Rushmore received. There are NO missing payments. In fact, it shows they have the wrong principle balance from the start. It also shows they have assessed 2 false late charges. It also shows that they never applied my unapplied funds from XXXX XXXXXXXX XXXX. The only payments that Rushmore 's payment history does n't show are the XXXX and XXXX payments. The proof of payments are included. 

Please also see the most recent Rushmore mortgage statement for XXXX XXXX. The XXXX payment is the only payment due but they are reporting on their statement that they have n't received the XXXX XXXX payment but, they have received it. 

I 've attached the XXXX and XXXX XXXX payments and the signed receipt of when Rushmore received my payments. Once again, they lied saying I was late with payments when they signed for my payments prior to the XXXX of the month. 

I 've also attached the XXXX tax mortgage statement form. This is also Rushmore 's document. Please note, they had my loan in default from the onset of receiving my loan because they have noted " property preservation " fees since XXXX XXXX. Property preservation fees are only applied when a loan is in default and in foreclosure. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation