milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2018 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Trouble during payment process

Complaint: Upon reviewing my payment history with my mortgage loan ( one of the attached documents ), I noticed several discrepancies that seem out of the ordinary, and that no explanations have been offered by the loan servicing company, Bank of America.

1. Excessive payment of homeowners insurance premiums throughout the life of the loan. ( Ive attached a spreadsheet with the information. ) 2. Adjustments made on XX/XX/2014 ( page 10 on the loan payment history document ). Before the adjustments the principal balance was {$210000.00} and after it was {$220000.00}. Thats a jump of {$12000.00} with no explanation.

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 05/26/2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: THIS COMPANY HAS REPORTED INFORMATION IN MY NAME WITHOUT VERIFYING THAT THIS INFORMATION BELONGED TO ME BEFORE REPORTING THIS INFORMATION TO MY CREDIT FILE AND GIVING ME PROPER TIME TO VALIDATE ANY OF THE INFORMATION BEFORE REPORTING TO CONSUMER REPORTING AGENCIES.I HAVE REACHED OUT TO THE NUMBER LISTED IN MY CREDIT FILE AND IT REACHES A VOICEMAIL OF A WOMAN. WHO DOESNT EVEN MENTION THIS COLLECTION COMPANY BY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (Credit card) with The Law Offices of Kenosian & Miele, LLP (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: i was sued by kenoshian miele. .went to court was waiting for proof ( discovery ) ) had a court date for XXXX 2012 and they moved the court date to XX/XX/2012 without notifiying me and so in turn they got a default judgement against me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Credit reports show CHP XXXX as a XXXX XXXX. All of my debt before XXXX XXXX have been XXXX. Credit report should be reporting a CHP 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 non-monetary relief
Consumer complaint received 04/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The debt collector is reporting false information on a debt I do not owe. Trans Union is reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a collection account with XXXX XXXX from an old XXXX XXXX bill I owed for. I called them to pay off the collection and they informed me that when it was paid in full, it would be removed from my credit reports. I made three payments to them in the amounts of {$81.00} each on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to pay off the collection. I waited a little while and noticed it was taken off my XXXX, but it still shows on my XXXX XXXX report and with a {$240.00} open balance! I filed a dispute and they responded saying it was valid, although it isn't! I then called the company to try and fix the problem and they just kept transferring me to other people and then hung up on me. It still shows on my XXXX XXXX account as open with a balance and now I can't get a loan for a car because they won't fix it on their end!

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 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Late payment for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had a XXXX XXXX through XXXX XXXX .... It was generated for XXXX .... plus initiation fees etc .... When I finished with my term ... I was told that a credit balance was to be issued for XXXX dollars and change ... Then XXXX sold the load to University Accounting service .... When the loan was sold ... It was listed that the loan was XXXX not the XXXX there was no reflection of a payment of XXXX from everest in any of the statements from XXXX ... after repeatedly trying to get ahold of genesis, and talking to Univeristy accounting services, they will not tell me why the loans amount was changed, why they are not allowing a forbearance request while I dispute the genesis loan ... They are now telling me the loan was in default, because I told them I would not pay them until these conditions were clarified, and then I would pay interest only while my loan was being reviewed for discharge ... I am at my wits end dealing with them ... is there anything to help me..

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Credit line increase/decrease

Complaint: I have a Walmart credit card with a {$500.00} dollar limit. I have always paid my bill on time. In XX/XX/2016 they lowered my limit down to {$400.00} dollars without any notice. I thought it was fraud on my account because I did not receive a lettering in the mail, no email not even a phone call. So, I contacted Walmart that 's how i found out my limit was lowered. I ask if they can notify me if this happens again. They did it again in XX/XX/2016. lowered my limit without notice. I was in the store in line paying for my item and my card rejected. I felt so humiliated when my card declined, i had my children with me. I called Walmart and they lowered my limit again without any notice. I never gave Walmart auth. to check my credit report. My credit report has not changed since I had this card. So this is why i am confused as to why they keep lowering my limits without notice. This is also leaving a negative rating on my credit report. I have never paid late on this card. I an not understanding how this can be legal. I am trying to get a loan for starting a new business and this is negatively affecting my credit. Please help!

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 08-10-2017 about Student loan (Private student loan) with AES/PHEAA (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: My second submission of my application was denied by XXXX XXXX on XX/XX/XXXX. My credit score was in great shape after my first submission of all required documents in XX/XX/XXXX where I didnt have my mortgage yet nor did I apply for any student loans yet, but my loan servicer American Education Services ( AES ) & XXXX XXXX declined my 1st submission without adequately contacting me directly to let me know there was an issue with one of the copies I faxed since they claimed recently that it was illegible. However I have a confirmation page with screenshots from the fax machine that I used the first time to prove that AES equipment ( fax machine ) was faulty back then. I thought this was settled since my first submission because I was not contacted directly given the fact I have followed up with AES right after my first submission over the phone. This caused my brother a higher interest in his business loan because of your negligence in maintaining your fax machines. Now, the second time I had to resubmit my co-signer release form after I just got a mortgage, andapplied for few student loans for graduate school where my credit score is not as good as it used be  in XX/XX/XXXX when I did my complete first submission. AES is very negligent along with XXXX XXXX, not appropriately contacting the customer via the phone or direct email on a timely manner, which caused my co-signer extra financial burden in his business decision making! XXXX XXXX did hang up the phone on me twice when I tried to explain the issue at hand! When I met the minimum credit standards in XX/XX/XXXX, I never received follow-up or update after my submission. When I resubmitted the second time in XX/XX/XXXX, I received a letter from XXXX XXXX denying my request due to not meting the minimum credit standards. I called their dispute center as indicated on their letter attached below, and I got hung up on twice. Funny business. I will also seek legal advice regarding this matter if I have to since my credit history and my fax confirmation page & documentation are in my favor in this matter! Both XX/XX/XXXXXXXX and American Education Services have more than 300 verified complaints due to their malpractices towards consumers in the following links : XXXX XXXX XXXX XXXX XXXX XXXX There is a a need for regulators to crack down on fraudulent negligent firms like AES and XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 about Debt collection (Credit card debt) with O and L Law Group, P.L. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: O and L law firm XXXX XXXX XXXX XXXX XXXX fl XXXX made no attempts to notify me of this debt so I could verify it was mine and dispute it if it isn't or negotiate a settlement if it is. I only found out about the debt because my paycheck was almost XXXX lower than it should have been because my wages have started being garnished. If I have any bad debt it is from more than 10-15 years ago. 

It is not right that a company can garnish my wages before I have been given any chance to dispute or settle the debt, so right now my wahes are garnished for a debt that may not even be mine. I have attempted to reach them by phone and only get voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get BANK OF AMERICA as Successor by merger To LaSalle Bank certificate holders of XXXXBack Certificates Series XXXX XXXX Bank to honor this agreement with your office. I am writing this letter because I have fought and fought to save family and myself, from becoming homeless. Bank of America created a fraudulent assignment from XXXX XXXX XXXX who filed for bankruptcy before the assignment was created. Bank of America and its attorneys have refused to offer me an affordable modification under HAMP. Bank of America has refuse to discharged the debt and is still moving to remove me and my family out of the property. The state court has ignored my pleas in Illinois circuit court case XXXX. The Illinois appellate court case number XXXX XXXX have not ruled. I have went as far to seek relief in the United States Bankruptcy XXXX XXXX of Illinois Case number XXXX Bank of America has fail to comply with the law. What is the purpose of the Consent Orders in XXXX, XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have written and called Experian several times about their incorrect reporting of a collections account with XXXX XXXX XXXX that caused my score to drop drastically. I paid the account in full, submitted the letter from the creditor, and Experian continues to report the account as a charge-off when it was not. It was paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2015 about Debt collection (Medical) with Renton Collections Inc. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Renton Collections is attempting to collect an " owed amount '' for XXXX care. 

I explained that my insurance company confirmed that the amount sent to collections inaccurately included discounts that the provider had agreed to, and was working to resolve. 

In addition to being rude and aggressive, the agents told me that " in their experience '' my dispute was invalid and that I was wasting my time and that they would put this on my credit report. they said that if I went ahead and paid all or part while it was being reviewed that would be the best approach. I think this is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have disputed this account many times with all  XXXX  credit bureus. This account has never been verifiable and is reporting different account statuses and amounts on each one of my reports.  XXXX  shows {$6500.00} and closed  and Transunion s hows {$6500.00} and open. By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law.

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 07/26/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX, I received correspondence from Diversified Consultants, Inc. ( DCI ) that I had debt in the amount {$990.00} for failing to pay XXXX. On XX/XX/XXXX I called DCI to figure out what this was about and they redirected me to XXXX. I called XXXX that same day and I was told I owed them {$990.00}. I informed them I have n't had XXXX since XX/XX/XXXX when I moved from XXXX XXXX XXXX, XXXX XXXX, NJ. My account was paid in full and disconnected when I moved. I moved in with family to XXXX XXXX XXXX and have not had services in the past two years. I was transferred to a different department who asked me if the debt could be for failure to return equipment. I told them, No because I returned it myself. They are advised me to write a dispute letter which I did ( all in the same day ) to DCI. DCI responded a couple of weeks ago with a simple letter that the debt was proven to be mine. The letter was absent of any information as to how they came up with their findings. If XXXX does n't know where the debt came from how do they?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Trouble during payment process

Complaint: The com pany is Wells Fargo and they are trying to collect and foreclose on a home and the it is illegal because both of the people who had the loan are deceased. They have received death certificates, durable owner of attorney, however, they are still threatening foreclosure on a deceased person. The Governor of Missouri and several attorneys have stated this is illegal in the state of mo. A complaint has been filed with the attorney general in Mo. Wells Fargo has failed to let the current relatives who are living in the house to assume the loan. Wells Fargo sent the mortgage under the deceased person 's name in Texas. They received the death certificate and said they would no longer collect on the debt. Chapter   XXXX    bankruptcy has been filed  XXXX  now attorneys have stated that is illegal since the loan is in a deceased person 's name. The property is in beneferies name house is in another person 's name. Wells Fargo hired a attorney client only collection to foreclose on the house under the deceased person 's name.All statements and paper work and foreclosure papers have been sent to the deceased person. Wells Fargo refuses to do anything except to demand payments from a dead person

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 10-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I previously submitted a complaint on XXXX/XXXX/16 using CFPB and received a response on XXXX/XXXX/16 stating what I 've copied and pasted below from their original response ... However After pulling my report the following items are still showing that they claim they deleted : Inquiry for XXXX Card on XXXX/XXXX/16 Inquiry for XXXX XXXX/XXXX/16 There 's also XXXX other XXXX inquiries that I was n't able to dispute due to the dispute form not allowing me to add more entries. 

XXXX * " TransUnion said : Explanation of closure In order to protect your privacy, we will mail an updated copy of your credit report as well as the full results of our reinvestigation, to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. 
Please visit XXXX for frequently asked questions about your credit report. '' * " Relief We received your complaint about the fraudulent items in your credit report, and apologize for any difficulty you may have experienced. All items identified in your complaint have been deleted. '' * " Response We have reviewed your complaint along with the information you previously provided regarding this issue. However, after reviewing the activity on your file, along with the information in our data base, we have deleted disputed items. ''

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 08-04-2015 about Consumer Loan (Vehicle loan) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: I am 3+ years into a 5-year auto loan with BBVA Compass XXXX Until 3 months ago, I received a monthly " Billing Notice '' showing the coming month 's payments amount, and the breakdown of principal, finance charge and any additional fees/charges. My loan is structured such that the interest and principal fluctuates from month to month. I called the bank today to query why I have not received any Billing Notices since XX/XX/XXXX and was told that I would no longer receive them because I had a " Payment Book ''. However, I have always made payments via a Payment Book, and the bank could not explain why this should now mean that I do not receive Billing Notices. I asked if I could be sent monthly statements, and was told that I could not, although I could contact the bank periodically and request that a statement be mailed to me. I like to know what is the principal component of each month 's payment, so that I can have a better picture of what my balance owing will be in XXXX/XXXX/18 months, especially given the apparently random manner in which the bank determines the principal/interest split each month. 
I have online access to my BBVA account, but again, this does not provide monthly statements. All that I have access to is payment amounts ( total paid and date received ), and the loan payoff balance. There is no information available to me as to principal / interest payments, and the actual principal balance remaining. 
It is my understanding that banks are legally required to provide regular statements, and BBVA is not doing this. I suspect that the reason for this is that the bank has obtained most of its interest payments already, given the that the loan is set up for lower principal / higher interest payments in the early years, and low interest / high principal payments towards the end, and so the bank cares not for providing acceptable levels of service and would prefer at this point that I closed out the loan and took my business elsewhere. 
A further complaint I would like to make is about the lack of disclosure when I took out the loan that there would be such erratic discrepancies each month in the principal payment. I would not have agreed to the loan ( which has an interest rate of 5.6 % ) had I known that I would be paying upwards of 10 % interest in the first 2-3 years, and 3-4 % in the last 1-2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Georgia State Tax Lien was placed on my Experian credit report on XXXX/XXXX/XXXX. This Lien has been Released by the State of Georgia, though they state it is up to the credit bureaus as to when they will remove the lien from my report. This Lien was filed in error and was originally paid back in XXXX. The state of Georgia has released it and stamped it as satisfied, and I disputed this with Experian but the refuse to remove the lien.

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