milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: Date : XX/XX/18 Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Act. # XXXX To Whom it May Concern, This letter is in response to your recent claim regarding XXXX Act. # XXXX which you claim is closed with a balance owed of {$1500.00}. This account was paid in full. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. 

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )  You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Hello, This is XXXX XXXX, account holder of Bank of America. Unfortunately, without any notification Bank of America closed my account, my credit card and debit card. It took almost two weeks to have access to my account and being able to use the said cards.
It looks easy, but It was not that much easy to re-open my account. At least, 4 or 5 times I went to bank of america.I spent about 90 min each time. At least 2 times I called Bank of America, I talked over phone about 30 minutes each time. I, as a XXXX XXXX and planning to get my XXXX here. I have a limited time. I do n't have any family here to borrow money from. I usually carry about {$50.00} in my pocket. Just put yourself in my shoes. How could I get gas, or buy food to eat, or pay for other stuff? How could I pay my rent? Has Bank of America ever imagined what would the consequence of its action? What if I was on vacation? How could I pay for taxi over there or buy food? Later, I figured out Bank of America need updated documents. I say fair enough, but If you need any updated documents, it is only and only your duty to ask for further documents. How can I find out Bank of America need a document, while the Bank never requested any documents? After re-opening my account, I thought the problem was solved. But I was wrong. Now, I am suffering from two more problems. First, my friend wants to send me money, about {$50.00}. It is not possible anymore. Again it is related to Bank of America. The second problem came up yesterday. It is more painful. I figured out my credit score dropped almost 100 points! why? Because Bank of America needed to update my documents, and but never asked for it by sending a text, an email or letter, or put a voicemail on my phone. Instead, Bank of America decided to close my account, my credit card, my debit card. As a consequence, my credit score dropped 88 points just because Bank of America never asked for a document. Let me explain more about the consequence of Bank of America 's action. I was planning to buy a car, due to my current credit score, it is not possible any more. My credit score was good, now it is not anymore. What should I do now? Do not you think Bank of America is responsible for its deed? I suffered XXXX from your acts too. Do you know how embarrassing is to be on shopping and there you find out that none of your cards are not working? I believe it is fair to compensate the damaged you caused. I expect Bank of America be responsible for what he did. I did complain over phone a few times, but never got ant feedback. Best,

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 10-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: Civil Theft of a Note

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: TransUnion Credit report XXXX. After several tries to get the XXXX XXXX ( XXXX ) late history removed from my credit file, they still give me the run around that they have investigated and that all is correct. I am NOT saying that it is not correct, I am saying that it has been SEVEN years since the FIRST late payment in a chain of late payments were done. The lay specifies " The seven year period starts from the date the account became late and was never again current. If you have an account and it was reported 30 days late today, seven years from today the late payment would be deleted ''. I have enclosed the XXXX and Transunion files so that you can see that the late payments started in XXXX 2009. I request that this be removed now and a new credit report be sent to me.

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 12-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (WY).
Issue: Loan modification,collection,foreclosure

Complaint: my mortgage with Green Tree as the servicer got foreclosed on in XXXX at XXXX sale then I got a satisfaction of mortgage in XXXX from Green Tree Servicing LLC before the redemption time was up. Then in XXXX. I received from Ditech Financial LLC that my terms of my Account Modification Agreement my interest rate is to change and my payments start on XXXX/XXXX/XXXX also received the same notice for my ex wife that had nothing to do with my mortgage loan I took it out to pay her off in the divorce. then on XXXX XXXX I was served with NOTICE TO QUIT LEAVE AND VACATE then with a COMPLAINT FOR FORCIBLE ENTRY AND DETAINER from XXXX XXXX MORTGAGE XXXX then I went to court today XXXX of XXXX plaintiff appeared by phone I did not have a lawyer and I had all the paperwork and a witness but I lost in court. I have been protesting the foreclosure way before it went to sheriff sale because of misused escrow funds and harsh collection tactics missing payments over paid insurance modifications not recorded broken chain of title and fraudulent foreclosing methods. my mortgage was assigned to MERS when I took it out in XXXX then assigned Green Tree Servicing LLC in XXXX as recorded to XXXX XXXX clerk but I made payments to XXXX Mortgage then XXXX loan Servicing that were not recorded also my satisfaction of mortgage is signed by someone that works for Green Tree Servicing LLC as assistant secretary for MERS the same on assignment of mortgage to Green Tree Servicing. I 'm still in my house but if I ca n't get it stopped FORCIBLE ENTRY AND DETAINER will be in three business days is there anything you can help me with? XXXX XXXX MORTGAGE XXXX is not on any of the recorded documents before foreclosure not until after I got satisfaction of mortgage from the XXXX clerk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Mortgage (Other mortgage) with U.S. BANCORP (CA).
Issue: Loan servicing, payments, escrow account

Complaint: USBank provided me a construction loan. 

1. they failed to provide online banking for review of statements or making payments. I was told in the enrollment process that online banking was available. I had to rely on paper statements. 
2. USBank continually failed to provide me timely paper statements. I dutifully looked at my bills each day/month but often I did not receive a paper mortgage statement from USBank. I was forced to call/email each month to arrange for a manual emailed statement from the construction loan mortgage group. 
3. I was informed via email by XXXX XXXX XXXX, the construction loan supervisor, that my loan would begin full P & I mortgage repayment from interest only effective as of XXXX XXXX, 2017. This would increase my monthly payment amount from $ XXXX to nearly $ XXXX. My assumption was that the first $ XXXX payment would be due in XXXX 2017. 
4. I received a monthly statement on XXXX/XXXX/17 that indicated I owed $ XXXX which I paid immediately. 
5. On XXXX/XXXX/17, I received a collections call from USBank indicated I owed the balance of the $ XXXX ( approx {$6800.00} ) and would be in arrears if not paid by XXXX/XXXX/17. 
6. I called customer service and was put on hold for 10min. When I talked to an agent I was informed that I was required to pay the balance immediately -- which I did via phone ACH. 
7. I inquired from a customer agent ( employee # XXXX ) why I was sent a statement on XXXX/XXXX/17 showing $ XXXX was due. He had no answer. I also inquired why it was explained to me that full P & I amortization would begin on XXXX XXXX. If the full amortization payment was due on XXXX XXXX, then the amortization began on XXXX XXXX -- not XXXX XXXX. Once again, he replied that he had no explanation. 
8. This is highly misleading and stressful conduct by XXXX XXXX XXXX XXXX and the customer service personnel. 
9. Further, USBank has forced me to convert my construction loan to a fully amortizing loan despite having a $ XXXX balance available on my construction loan. This $ XXXX is placed in escrow- for which I do not have access. In doing so, USBank is forcing me to pay interest on the $ XXXX balance despite not needing the funds.

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 02-01-2017 about Debt collection (Medical) with Westside Recovery Services, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I 've sent multiple requests to collection agency, both regular and certified mail, using their own return envelope that they provided with their collection letter. Collection agency has refused to verify my debt and refused all certified correspondence that I 've sent to them, including Validation of debt request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Dovenmuehle Mortgage, Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: DOVENMUEHLE MORTGAGE SHOWING AS OPEN ACCOUNT AND PAST DUE AMOUNT ON CREDIT REPORT. ACCOUNT WAS DISCHARGED IN BANKRUPTCY AND CLOSED. PROPERTY HAS SINCE BEEN SOLD AND NO LONGER IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Student loan (Federal student loan servicing) with ACS Education Services (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In my previous complaint for ACS student loans Case number : XXXX, the company responded asking for a copy of a cashed check, which shows the company is trying to delay this issue to gain time and put my account on late charges. ACS has been withdrawing payments from my account for the past 5 years, so for them to ask for checks shows the internal problems this company has and the need for a governmental audit for fraudulent actions. I already submitted as requested the bank statement and that shows clearly the withdrawn twice done on XX/XX/2015 
Second the company never adressed the question of the interest rate charged to my account and the changes they made.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am getting hit with interest like crazy, especially once Navient took over. I have a repayment plan set up but, I am getting hit with interest higher than my payments and late payments being added even though I am making on-time monthly payments. This is affecting my credit score and any chance of ever getting any credit established because my credit keeps looking worse due to late payments, even though I am paying, and the extreme balances that have ballooned and still increasing every month. This has become a very stressful situation.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX I pulled up a credit report to find that Wells Fargo had incorrectly reported a foreclosure to all the credit bureaus wreaking havoc on my credit which is still damaged due to this mistake made by Wells Fargo. I sent multiple letters and have received multiple notices from the company assuring me that it would be removed but to no avail. I sent and have copies of the mortgage paid in full and without a flaw on XXXX XXXX, XXXX. I wrote their CEO via email XXXX XXXX and have still not received a reply to permanently remove this mistake from my credit which has gone down since this simply unexplicable mistake was made by Wells Fargo. I 'm writing you so that we can begin the process of remedying this matter once and for all so I do n't have to hire an attorney to sue Wells Fargo. It is absolutely unacceptable that I have had to endure this lie all these months after multiple requests to remedy their mistake. My good name has been tarnished and I want to know how this can be resolved once and for all.

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 01-10-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (ID).
Issue: Billing disputes

Complaint: I attempted to make a flight reservation between XXXX and XXXX departing XXXX/XXXX/XXXX, returning XXXX/XXXX/XXXX. I did this through XXXX, using my Bank of America Visa card. When I was emailed a copy of the reservation, I called the next day to report that the reservation was incorrect, in that it had us leaving and returning in the same day, XXXX/XXXX/XXXX. After several days, someone at XXXX called and told me that they do not make mistakes. I have a screen shot of my request to XXXX for the XXXX dates. They told me that to change the dates from XXXX to the original dates that there would be substantial change fees and higher priced tickets, if flights were available. We canceled the trip and disputed the charges ( to XXXX and XXXX, although I had contact only with XXXX. The airlines have disputed my claim, saying that the reservations were legitimate, and Bank of America is siding with them and saying I must pay the approximately {$1700.00} charge. Apparently, XXXX sits in the background. 

This charge, as well as the underlying reservations are incorrect. I asked XXXX yo correct the dates and their mistake and they would not do so. Bank of America is refusing to look into this any further. 

Can you help me? 

Thanks, 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 11/30/2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (IL).
Issue: Account opening, closing, or management

Complaint: I have repeatly applied for Credit and have been refused. My Ex-wife sold me property under a fraudulant Document. I filed for divorce and paid the court ordered support. I have been told if I want this harassment to end I would have to remarrie her. She has abused me financially since 1969. Presently I ca n't get a Credit Card. It seems as if I am a Target for 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 03-12-2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX who works for American Express constantly called me at home and at work many times until I made an agreement them to makeup payments on my account because it had fallen past due because of financial hardship. We made an agreement XX/XX/2015 for XXXX. They told me the account would not go further pat due and I would not incur more fees. Which was a lie I was charged XXXX dollar late fees every month even during the agreement and I with the combination of interest and late fees XXXX percent of my payment is going to American express when I complained they told me I had to make a make up payments of XXXX dollars to avoid the fee which is incorrect past due amount is XXXX according to American express and my credit report is reporting past due of XXXX. Further more in XXXX 2015 my account went further past due on my credit report even though I was making payments since XX/XX/2015. I sent the company 2 extra payments of XXXX from a shared account I have with my wife to make up for payments. I asked them just to debit those XXXX amount on this account but they continued to debit this account which I did not authorize which caused the account to incur NSF fee. This company has taken advantage of me trying to repair my credit has lied about not incurring fees has lied about my account not being reported deeper into past due status on my credit report and has taken money from my account with out my authorization.I have done everything they had asked me but had lied about the outcome.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I opened an account with  XXXX   XXXX   XXXX  in  XXXX   XXXX   XXXX   XXXX  charged-off and sold this account to  XXXX   XXXX   XXXX   XXXX . The  XXXX   XXXX   XXXX  account is still reporting on my credit file with all credit reporting bureaus.  XXXX   XXXX   XXXX  is not reporting that once the account was sold to  XXXX   XXXX   XXXX , it was settled and paid off. Also,  XXXX   XXXX   XXXX  is not reporting how long this account will be reported to the credit bureaus. In otherwords, the portion of the accoount listing that says " On record until '' is missing for this  XXXX   XXXX   XXXX  account with Experian,  XXXX , and  XXXX .   XXXX  I wrote  XXXX   XXXX   XXXX  in  XXXX   XXXX  but have not received a response.

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 05/23/2017 about Debt collection (Mortgage debt) with Ditech Financial LLC (MI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Ditech continues to call my employer after they agreed to stop this practice and sent me a letter stating all phone calls to my home, my mobile and my work would stop. I have filed numerous complaints concerning this company and their collection practices. They were fined as part of a class action lawsuit concerning their collection practices. This is the third time they have called my place of work since I received the letter stating they will cease all phone calls. See attached.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (Other debt) with GC Services Limited Partnership (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt in question has been resolved with the help of CFPB under complaint number : XXXX. 

On XX/XX/18 at approximately XXXX I, XXXX XXXX spoke with XXXX XXXX GC Services Limited Partnership with regard to client account number : XXXX and was informed that the debt was still owed. I tried to explain to XXXX that the debt has been resolved and I have communication stating that fact. XXXX refused to listen and say I owed the full amount in question. 

This is not true as you can see under my original complaint number : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2018 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I reload my money to this before purchasing it says in booklet that comes with the card if any issies with an purchase I was protected, Well I had an issue with a purchased I submitted a dispute with the company I got an email requesting my purchase documents I submitted them online as requested got an email back from the company stating the documents weren't good enough, So I called the company ( Americian Express Serve ) Iasked what proper documents were needed amd why wasnt it acceptable, I haven't gotten an answer the representative stated they will get back to me friday, I explained to the representative you guys said 10 days to see temporary credit and they should be done with the investigation around that time, I havent received anything they've been still stalling giving me alot of excuses this has to be the worst company very disappointed.

Company response to consumer: Closed with explanation