milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XXXX my husband and I purchased a home in XXXX California. The mortgage went thru Bank of America. In XXXX my husband and I divorced. He lives in the home that we both own and we are both still on title. There was NO Quick Claim deed executed. In XXXX my ex-husband remodified our home loan with Bank of America without my knowledge, consent or signature. The signature page on the remodified mortgage paperwork has a line for my signature but my signature is not on the paperwork. The loan was remodified from a 30 year loan to a 40 year loan without my signature. This loan has since been sold to a mortgage company called XXXX. Bank of America will not speak to me about this. When I call they tell me that they no longer service this loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My issue is with  XXXX   XXXX   XXXX  who are the bank for several store card such as  XXXX ,  XXXX ,  XXXX   XXXX  and  XXXX   XXXX , which are all cards I have. In  XXXX  and  XXXX , I had issues paying my bills and was either late or missed payments. I have since rectified the situation, brought all of the accounts current and have not missed payments. the card in question is the  XXXX  card. It had a {$2000.00} limit and a balance of {$350.00}. I received a letter on  XXXX   XXXX ,   XXXX   that my credit limit was being dropped to {$370.00} due to issues with my credit report. That left me with {$17.00} open to spend. When I contacted  XXXX  they could not explain why the drop was so significant. Because they dropped my limit, it now appears that I have over utilized the credit and I will continue to receive a low  credit score  because I am now so close to the credit limit as well as have my credit limits decreased again due to the low score. This will be a cycle that will continue with  XXXX  bank until they have decreased all of my limits based on two months of trouble that has since been resolved. This is the second card managed by  XXXX  Bank where the credit limit has been decreased based on credit report. The report was provided by Transunion and the reasons listed were existing problems that had been on my credit report for years ( a  discharged bankruptcy that is over 7 years old  and a medical collection issue that is also several years old and is due to an insurance company changing benefit amount and leaving me with a large bill that I could n't not pay ), loan balances that are too high ( I have student loans and a loans that have always been paid, are two years old or older, existed when I had my credit approved/increased with  XXXX  Bank, never been in default, payments have always been current even during the two months I has issues and their balances have not increased so I do not understand that reason ).     XXXX   have been unhelpful, I have called customer service repeatedly, have been hung up on and yelled by their reps, been told they have no record of my call history regarding this or they just transfer me to the Transunion Credit Report order hotline when they tell me they are sending me to an account specialist.

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 02-09-2017 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Judgment against me I was not served

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is reporting false information on my credit report. Two accounts do NOT belong to me, and these accounts are hurting my credit and my ability to obtain potential employment. I believe these XXXX negative accounts were removed in the past, but sold to another third party collection agency in hopes to collect on a debt that does not belong 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 explanation
Consumer complaint received 12/15/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Problems when you are unable to pay

Complaint: Started having mechanic issues with the vehicle and I have been unable to pay for the repairs and keep the vehicle. I would like have my payments reduced & modified. My payment is currently {$480.00}. I do want to retain ownership my XXXX vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Debt collection (Other debt) with Penn Credit Corporation (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a notice from Penn Credit Corporation stating that, " The City of XXXX has retained Penn Credit to collect outstanding delinquent parking citations. Previous notices from the City have gone unpaid and remain delinquent. <P/>... <P/>ID NUMBER : XXXX CITATION # : XXXX '' I have no outstanding parking violations. I have received no previous notices. There is no license plate or vin # on the collections notice. Their website is difficult to navigate, & do not have time to wait on hold to speak to someone regarding their mistake. <P/>I am continually getting notices like this that are typically a matter of incorrect data entry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Consumer Loan (Vehicle loan) with CITIZENS FINANCIAL GROUP, INC. (MD).
Issue: Managing the loan or lease

Complaint: I have a charged off loan with Citizens Bank and I informed them that I wanted a true statement of what I owe to the bank. I feel as though I do not owe the amount listed. I also requested a loan forgiveness due to the fact that the vehicle was not fully operable and there was a significant likely hood that the City would tow the vehicle because it did not have tags. I made the request to donate to charity ( School XXXX ) I was told that they were only willing to initially accept 80 % of the balance. After additional conversations I was told 55 % or make an offer. I made an offer and was told that was not sufficient and when I inquired about the true amount owed I never received a straight answer. I was more or less told that the bank was willing to have a liens placed against my home from the city with the intent to still collect the said balance. I was told if I wanted to escalate this issue I had to write the Office of the Chairman. I received a response from the representative that was in the customer relations department because apparently that is the only way to file a complaint with company. This is a bit discerning because if the letter was sent to the Office of the Chairman and the Resolutions department responded, did the letter actually go to the Chairman 's Office ( if it even exists ). There is no means to reach anyone at the bank and there seems to be a lot smoke and mirrors when customers attempt to manage their accounts. The practices are not consistent and leave the customer to be concerned about it their issue is being truly addressed because the level of deception that the customer is presented with dealing with various representatives that work within the various departments. I would like them to forgive the loan as it is my understanding that once a business charges off the account the Federal government gives them a tax write off. Also companies have insurance to protect them from certain debts. My loan was paid off essentially the day that it was charged off. The bank if very well aware of this. However they still want to collect no matter the circumstances that befall the client. That appears to greed. Without the true knowledge of what is the said true amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I did not get a mortgage loan from XXXX conventional real estate it says the account open XX/XX/XXXX it was a joint account loan for was for {$28000.00} and the last payment was made XX/XX/XXXX. This mortgage company is from the south and I 've never lived in that area or applied for a mortgage loan. Thank you for your time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Recently I had the opportunity to talk directly with XXXX XXXX XXXX at XXXX XXXX, CA and felt inspired to reach out to discuss an issue that occurred through one of the biggest military savings bank, USAA, in 2015. I had heard some of the benefits of SCRA and did plenty of research. I reached out to USAA and asked them if they would honor me, a 17 year XXXX XXXX XXXX, with SCRA benefits, for ex. lowering my APR on credit card bill. They responded with not only a no, we ca n't do anything for you, but stated that it only is good for those members that recently XXXX or were XXXX, and it 's only good for 60 days after you return or moved. I stated to them, per the law, these benefits were to extend to a servicemember during their entire commitment to the military and would terminate 30-90 days after discharge from the service. They stated that I was in fact incorrect, and that they were only required to cover a member with benefits from SCRA if they were XXXX. They even had a clause that stated if you achieved a XXXX, that it may qualify you for the SCRA benefits. I submitted my XXXX, and they stated it was too far out of the window. I have copies of both denial letters. My frustration is that other banks can honor different things with the same law. I 've had some military members ask their bank about SCRA and they had granted the lower APR while on XXXX XXXX even if there was a debt incurred prior to active service. Some actually received back pay for their credit card interest over 6 %. Maybe it is my own personal feelings, but how is this equal that a person can incur massive debt prior to the military, apply for SCRA and have his APR reduced to about 6 % and it remains active for 20+ years but a young XXXX that was a bit more financially responsible can not receive the same benefits if they inquired about SCRA the first day after enlisting? They may choose to spend the next 20 years fighting for a lower APR by constantly charging higher APR credit cards that they qualify for, take out several loans, store credit cards, trying hard just to maintain their credit and perhaps never reach a 6 % APR? According to USAA, you only can qualify for SCRA benefits if you have orders to PCS or deploy and that will only be good until you return to your homestation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Account opening, closing, or management

Complaint: I opened an ING Direct savings account a few years ago online. ING has since been acquired by CapitalOne. My account was automatically converted to a CapitalOne XXXX savings account. I had not logged into my account or made any deposits/withdrawals for some period of time XXXX potentially XXXX years XXXX. During the period of XX/XX/2016 I called CapitalOne to help obtain my log on information. I spoke with a representative who helped me log in and stated that my account was ready to be used. I planned to deposit money into the account every XXXX weeks to save money for a wedding. I made my first deposit of {$750.00} on XXXX. On XX/XX/2016, my account was closed. I called CapitalOne to speak with a representative and ask why my account had been closed. I was informed that my account had been " abandoned '' and my money sent to the XXXX of NJ as unclaimed money. I was instructed to contact the XXXX of NJ to file a claim for unclaimed money. 

I have XXXX issues here : XXXX ) why was I not informed on XX/XX/XXXX that my account had been changed to abandoned, so this would have prevented me from transferring additional funds into the account. XXXX XXXX why would CapitalOne accept a transfer of {$750.00} to an account marked as abandoned. I trusted CapitalOne with my money and to protect my funds. I feel that they have inappropriately robbed or stolen money from me that will be very difficult to re-obtain in any timely fashion, as the XXXX of NJ has no record of receiving my funds yet. CapitalOne has not been helpful in trying to rectify this issue. I believe this to be a violation and misappropriation of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax Credit Reporting Agency denies releasing my credit report to banks when I apply for credit or sends a response back to them stating that my information does not match the records leading to denial of credit multiple times. I have contacted Equifax through physical mail multiple times to understand the issue but I get no response. I have checked my free credit report and there are no errors or issues reflected in that personally retrieved report. The only issue is that since I moved to the US after XX/XX/2011, the legally issued SSN to me is from a randomized pool chosesn by Social Security Administration and Equifax fails to recognize it as a legally issued SSN. Despite having a perfect credit history with never having missed a payment, I get denied for credit with the reason being that either Equifax did not release my credit file to the lender or issued a statement that my responses to a security quiz are false ( which they are not ). I seek CFPB help to ask Equifax to fix the credit reporting system it has and not raise false security alerts leading to multiple denials of credit to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Consumer Loan (Installment loan) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Problems when you are unable to pay

Complaint: A few years ago I had loss my job and I was unable to pay my loan. Navy Federal allowed me to defer XXXX payments, but did not disclose that by deferring the payment changed the terms of the loan making it a balloon payment at the end. I also did not get any disclosures about the per diem charges on late payments on top of the late fee. This is predatory lending by them failing to disclose the information in a timely matter ( before I decided to get the loan with them or defer the payment )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: My  XXXX  credit credit card account which was in good standing has been closed since    2011. I want it removed from my credit reports. When I applied for a credit card limit increase I was originally denied because of the   XXXX   credit card account on my credit reports even though it was closed since 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Debt collection (I do not know) with Troy Capital, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Received paperwork from a Troy Capital LLC from a county I do not live in and nor do I know why they are trying to sue me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Problems when you are unable to pay

Complaint: I had made my car payment on XXXX XXXX, 2015 in cash by visiting the Bank of America branch. 
I got a phone call approximately one week after the phone call from the Bank of America and the person asked me when I would make the next payment and I assured her the next payment will be made within 30 days. About a month pror to that I had talked to a BoA rep and he said my car was up for possession if I did not make a payment and I immediately rushed to make the payment. 
The reason I got behind in making my payment was medical conditions and accompanying diffculty in landing a job. 
On XXXX XXXX, Sunday, late at night I get a call asking me if I was XXXX XXXX, I said yes and the person responded he has my car. I was confused what was happening. 
I called BoA XXXX XXXX on their customer service number and they gave me another number XXXX to call at XXXX .When I called that number the voice machine said I should call XXXX. When I called that number they gave me a XXXX number XXXX, option XXXX to call. I was harshly told that the documents were not ready.I again called later and they said the document will come by evening. I called them after XXXX and they finally gave me the number to call XXXX where a machine said the office hours are until XXXX. 
When the XXXX XXXX came to literally steal the car night of XXXX XXXX it was like a nightmare because I had made a payment XXXX days ago and spoke with the BoA person XXXX days ago. I was even willing to call the police and the recovery guy said he would call it himself and so as not to make a scene in the working class neighborhood I let the matter go. He asked me to remove my stuffs I complied. He asked me to give keys and I complied. I did tell him that this entire thing made me feel like I am in XXXX XXXX, meaning a lawless jungle. 
I lost my daily wages XXXX XXXX, 2015 because I could not go to work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 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: Information is missing that should be on the report

Complaint: I have noticed my payments with XXXX XXXX were not completely reported to Equifax. 
I wrote XXXX XXXX a letter in regards of the problem. I received a respond from XXXX XXXX and it stated, that the information was sent to the consumer credit agency was accurate. I called Equifax to informed about the respond I had from XXXX XXXX. Equifax keeps telling me to call XXXX XXXX. But when I called XXXX XXXX I was told Equifax needs to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I was charged {$25.00} on a free student checking account as a monthly fee with no notice, after 5 years being a customer of the free checking account. My savings account was also closed. When I asked about the fee, I was told that " as a result of a technical issue, some Student Account were mistakenly converted into either a Citibank Account Package in XXXX and XXXX. '' I noticed the fee and contacted Citi and was told that they are working on the problem but have no timetable for when the fee will be added back to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-10-2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (DE).
Issue: Trouble during payment process

Complaint: CFPB complaint XXXX has been closed without giving me a chance to reply. 

I am still waiting on paperwork for the closing. I have not received a statement since XXXX when believe I may have overpaid on the last payment amount. 

I am still waiting on the mortgage and statement paper by the mail..

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Closing/Cancelling account

Complaint: I recently disputed the fraud alert on my credit report and it was reversed.Son it has now been taken off If my address is not in the zip cod of XXXX this is not me and my updated phone number is XXXX i have taken extra measures in hopes that this does n't happen again.Please ask for the sec. word that starts with XXXX THANKS, CALL ME IMMEDIATELY IF THERE ARE ANY QUESTIONS OR CHANGES.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Loan modification,collection,foreclosure

Complaint: We are behind in our mortgage due to hardship but do not qualify for modification. I have requested a payment history, we have not received I have sent in paperwork for repayment plan, they claim not received. We do not have a single point of contact to work with for repayment plan, I can not access any information regarding our loan on line, We are requesting a single point of contact to go over options of repayment plan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation