milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2015 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2015 we got a pre-foreclosure letter. We had several conversations, as we have always paid at least 2x 's the amount due or more. They said that they were sorry and it was a mistake that we got the letter. On XXXX 2015 statement, they added {$780.00} fee for FORECLOSURE FEE. I have contacted them by e mail and phone and every one I talk to says that a supervisor will call me back. No such luck. No one had responded. I have had to refinance this loan to get away from PennyMac and their " computer errors ''. The pay off notice that was given to the new company has " Foreclosure fee '' listed. This has caused some problems with the new lender. I want this fee reversed and they send me a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/18/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX rep signed me up for a cc without my authorization ... I have the letter from XXXX stating that this was reported to all the credit agencies ... This was also done with XXXX open an cc without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Payday loan () with Midwest Recovery Systems (MI).
Issue: Received a loan I didn't apply for

Complaint: This debt is not mine ( Midwest Recovery Systems ) and my identity has been stolen by this company operating under the name of  XXXX   XXXX   XXXX   XXXX   XXXX  at least twice now. The first time I paid them because their phone calls were abusive and threatening ; this was in   XXXX  . In the past years I have had numerous abusive, vulgar and threatening phone calls from this same company. I  have filed 3 Police Reports regarding the phone calls and my most recent stolen identity with this company. I have  also contacted the Attorney General,  XXXX   XXXX  regarding the numerous times this company has threatened me and EXTORTED money from me. In researching this company I found out that Midwest Recovery Systems works with  XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX  is outlawed in many states including New York and Washington state. There are numerous complaints filed online regarding this company and how they threaten to arrest, prosecute, show up at your house, call you vulgar names ( they called me a "  XXXX  '' and a "  XXXX  '' ). I 'm TERRIFIED! THIS MUST BE TAKEN OFF MY CREDIT REPORTS, PLEASE HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Transaction issue

Complaint: Toys r us is reporting on XXXX a {$6800.00} charge off on my account. I only owed then {$77.00}. And the {$77.00} item was returned and never credited to my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-08-2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (KY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Lvnv recei ved an certified letter and received.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: I signed up for a Bank of America consumer checking account XX/XX/XXXX with a promotional offer ( {$300.00} credit when I open an account, set up direct deposit and keep a minimum balance in the account ). I met all the criteria and they are witholding the bonus offer. They state that it 's a " targeted offer ''. I read the T & C 's on this and it was not targeted, and I was eligible when I went to their website and the offer was on the top of the website for me to click on.

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 01/18/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (KY).
Issue: Loan modification,collection,foreclosure

Complaint: Foreclosing during the appeal period. As well as refusing to review with change of circumstances of the wife not returning to work.

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 07-01-2017 about Vehicle loan or lease (Loan) with FIFTH THIRD FINANCIAL CORPORATION (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: Since the loan inception ( 16 months ) I 've been paying an additional principle only payment every month, only to find out now that they have been applying about 50 % of that to interest. I have demanded that they retroactively reapply 100 % of those payments to principle only, and they have refused. I 'm going to hire a lawyer but thought I 'd give this route a try first.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2016 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: The elderly borrowers entered into a mortgage modification agreement this year under which the bank agreed to forbear over {$3000.00} in fees and charges until the maturity date in XXXX. The bank, however, is sending monthly or periodic statements that list the charges and fees as " Overdue '' and includes the charges and fees as part of the " Total Amount Due. '' The statements are misleading and are causing the borrowers to fear that a default will be declared, late fees will be assessed, and foreclosure may take place if they do not pay the " total amount due '' which they can not afford. 
The statements violate the text and spirit of XXXX CFR XXXX. The total amount due refers to the amount that must be paid by the next installment due date ( not at the end of the loan term ) and the late fee will be imposed if the stated amount due is not paid by the due date. On its face, the statement indicates that a late fee will be charged if the total amount due is not paid by the next due date. 
In addition, the fees and charges have been capitalized as part of the modification agreement, and the statement does not explain that this amount is not due. 
The borrowers sent a Notice of Error that failed to change the bank 's practice. The borrowers ' counsel sent a QWR that also failed to change the bank 's practice. The bank justifies its current periodic statements as being required by the " Dodd-Frank Regulation ''. The borrowers believe the bank is wrong and wants to have the bank change its practices both as to them and other borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMW Financial Services NA, LLC (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have made numerous complaints to BMW Financial Services concerning the following account XXXX. BMW Financial has refused to accurately report the above mentioned tradelines on my XXXX Credit Report I requested to speak to a representative in the Credit Reporting and Bankruptcy Department and was told by XXXX in customer service that she couldnt transfer me to the anyone to speak to about my situation. I explained to her the way the account was being reported was incorrect. She said that it was acceptable to report the repossession status in conjunction with the bankruptcy. I informed her that the reporting was incorrect and that it was considered to be continued " collection '' activity and that it violated my rights under bankruptcy protection. I am demanding BMW Financial Services to delete this account or will escalate my case to the higher authority or pursue other legal remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: The property at XXXX XXXX XXXX XXXX. XXXX CA XXXX was given to XXXX and XXXX XXXX via grant deed, quit claim deed, will and trust by the now deceased XXXX XXXX XXXX. Furthermore, XXXX XXXX was appointed Executor of the Estate. ( Please see all attached information ). We have sent all of the above mentioned information to Nationstar NUMEROUS TIMES showing that The XXXX 's are now the property owners and should have full authority and authorization to speak on the account. NATIONSTAR IS REFUSING TO ACKNOWLEDGE THIS INFORMATIN. To make matters worse, Nationstar stopped taking payments once they were made aware that XXXX XXXX has passed which is ILLEGAL. 
Nationstar insisted on several occasions that they never received the documents with all pertinent information and then when they did admit to receiving the information, they stated that the documents are not sufficient. This has been on ongoing for months. Nationstar is refusing to acknowledge this information because they want the home to go to foreclosure sale. This is the XXXX HOME/ RESIDENCE and rightfully so. Prior to the death of XXXX XXXX XXXX, she took all necessary steps to ensure her home was protected and Nationstar has disregarded all her efforts. Nationstar stated, and we quote, " the documents are deemed invalid to name the XXXX 's as agents to releases loan information as the documents do not provide financial authorization and power over the debt. '' The grant deed and quit claim deed are in the XXXX name and have been signed and notarized by XXXX XXXX before her passing. That alone should suffice and grant the BOTH XXXX 's authorization. They are trying to bring the loan current and or receive financial assistance and Nationstar is refusing to allow them to do anything because they want to take the home. They will not provide a payoff or reinstatement. The XXXX 's will assert their legal rights and will be filing a lawsuit and naming Nationstar and XXXX XXXX XXXX as defendants as Nationstar is doing their own interpretation of the law, have neglected this issue, breached their duty, and the XXXX will seek damages. It is very apparent that Nationstar is discriminating against the XXXX 's based on their age, race, ethnicity, national origin, and language. We are demanding that these issues be addressed and expect a response within 72 hours or we will be forced to file a civil suit in district court.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I 've been asking Bank of America for legal documents on my loan for literally years now, probably 5 years, but very interesting that when they turned over my loan for servicing that all of the sudden there was documentation created. They created an Assignment of Mortgage from XXXX via the XXXX system to Bank of America and then a month later from the XXXX system for XXXX to XXXX ( XXXX ). Now Bank of America has been stating for years that XXXX is the owner so what is all of this? Bank of America 'seized ' ownership for a month even though been collecting from me for years and then assigned it to this XXXX ...? This is insanity and I do n't even have to check to know that not one bit of this was made legal by having it recorded and whose signatures are these ... Why is Bank of America creating these documents and not XXXX??? It 's interesting because one states prepared by Bank of America and the other by XXXX XXXX but the same phone number so also Bank of America? Is this done in Bank of America 's fraudulent document creation lab like the other document XXXX sent which was a complete forgery ( that 's being dealt with separately ). 

This is all just more Bank of America trying to deceive and cover their corrupt actions or if not, there needs to be some serious explanations as to what this is all about!

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
Consumer complaint received 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My XXXX XXXX and XXXX XXXX XXXX XXXX credit card is lost/stolen. The fraudulent charges/transactions dont belong to me. The balance on these 2 accounts dont belong to me, because both of my credit card accounts with XXXX and XXXX XXXX is lost/stolen.

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 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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: I've been monitoring my credit for some time now in an effort to improve my score. I utilize XXXX XXXX and check it weekly as well as whenever I get an update from them. I checked my score today XX/XX/18 and saw my Trans-union score dropped by 41 points and my XXXX increased by 53 points. I checked Trans-union details and saw the ONLY change was the REMOVAL of a hard inquire ( XXXX  ). I contacted Trans Union and the first gentleman that I spoke with obtained my SSN and current address which he said he was updating. After I asked why my score decreased with only that one change he advised me he could not tell me and when I began to press the issue I was disconnected. 

I called back a second time and reached XXXX who essentially obtained my SSN and current address again ( it was not updated as I was told ) and told me she could not tell me why my score dropped 41pts. I asked to speak with someone who could and was transferred to her " supervisor '' XXXX who told me the same thing : there are several factors that impact my score ( I know this ) and scores are always changing and dynamic ( I know this too which is why I keep an eye on it ) as well as go to the trans-union website to check my report ( they charge for this and I don't want my report I wanted to know why removal of a hard inquiry negatively impacted my score ). Essentially NOBODY could tell me why the removal of this hard inquiry, the ONLY change, negatively impacted my score by 41pts. 

I'm frustrated and angry as I've been working to improve my score and have NO assistance with this issue from employees that seem to be outsourced to XXXX. Outsourcing is not a problem, except I've now given my SSN, full name, and current address to each employee ( 3 ) that I spoke with and despite me repeating my address several times for the initial employee to update it in their system it was not done and I was hung up on, so I don't feel confident my information is secure in another country by someone who said they were updating it. I want to know why my score dropped by one hard inquiry being removed and if they can not explain it then I need it corrected as I do not feel an essential " oh well '' suffices.

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 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Monterey Financial Services LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Monterey Collection Service is reporting a collection account to all credit bureaus as a collection account that 's in the status as open, it 's also reporting a high balance as {$10000.00} and a balance owing of {$16000.00} and the balance goes up each month ... How is this possible when the account is supposedly a closed collection account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (Auto debt) with ONEMAIN FINANCIAL HOLDINGS, LLC. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company call repeatedly throughout the day, sometimes in excess of  12  times, all from different numbers. They have also contacted a friend of mine several thousands of miles away, several times this past week. Yesterday and just today was the last time. A woman by the name of  XXXX   XXXX  called from  XXXX . She told my friend that she thought she was me, then asked for my number. She was told no information would be given to her without her stating who she was and what company she was calling from. She would not disclose the company name. I have sent several e-mails as well as letters to the company asking them to stop calling my friends and family, and stop harassing me several times per day, and the continue to do so!

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Capital one auto finance continues to report inaccurate information on my credit report. The date of last payment is listed as XX/XX/XXXX on both XXXX and XXXX  reports on my XXXX  report it reflects the correct date of XX/XX/XXXX. I believe this was done to re-age my account! I have disputed this through the CB several times.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (AR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I attended XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. During this time, I was pressured into signing documents in which I did not have adequate time to review or discuss with a financial advisor. I was told to sign the papers or I would be kicked out of school. They stated that all my loans were through XXXX XXXX XXXX or through Federal Loan funding. Now in XX/XX/XXXX, I have received a phone call from a collection agency stating that I owe them money in the amount of {$2400.00} to a XXXX XXXX XXXX. My wife called and spoke to XXXX XXXX and they state the actual amount of the loan is {$24000.00}. I have never received paper work in regards to this private loan. I am currently working with XXXX and another company to get my federal and XXXX XXXX loans out of default, it came as quite a surprise that I am being told I owe an additional {$24000.00}. I did not receive a job upon graduation from XXXX XXXX, nor did they assist me in job seeking as advertised by their financial aid department and admissions departments. I am at a loss as to my next step with this school as they have ruined my credit and any hopes of owning a home, car or not having wages garnished.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My report shows XXXX collection account. This account does not belong to me. I have submitted disputes twice, and was advised both times " ... disputed account or inquiry is currently not reporting on your Equifax credit file ... ''. I am currently staring at the report provided by Equifax which shows the account in dispute that they repeatedly claim is n't showing. 
Equifax is currently in denial of reporting erroneous information on my report as I read the disputed information from the report provided by them. Mistakes happen, but too many folks are n't doing their job. I find this situation, at best, lazy and at worst disingenuous.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Due to medical issues I have been experiencing with a XXXX XXXX XXXX, I mistakenly missed paying an {$8.00} balance on my XXXX XXXX XXXX card that is issued by Comenity Bank. I paid it as soon as I realized the oversight. I was charged an almost {$9.00} late fee which I feel is unreasonable and unfair and possibly a UDAAP violation to charge double the balance for a fee. I emailed several times and the reps took several days to get back to me and advised me to call in. This month, they have now charged me a late fee on a late fee so the balance has grown to over {$24.00}. I contacted XXXX XXXX XXXX by phone and today spoke with a supervisor who was only willing to credit {$14.00}. They acknowledge my great payment history since XX/XX/XXXX with one exception of a courtesy late fee credit extended in XX/XX/XXXX. I manage this account as well as all of my accounts with Comenity perfectly. I do not think this is a fair way to treat a customer and very greedy for them to continue to charge me fees on a balance that only consists of fees, especially when the balance is so small. This issue is not worth the time it has taken for me to try to find someone to be reasonable with me and yet Comenity refuses to make an exception for a great customer and continues to quote their policy to me. I will not be using this card any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing statement

Complaint: I made a purchase in the amount of {$33.00} using my Citi Costco credit card. They billed me {$34.00}. I suspect they are adding small amounts to bills and hoping the additions wo n't be noticed by the consumers. I called the credit card company and got XXXX in Maryland and he put me on hold and never came back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-02-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: hi, the date of bankruptcy is inaccurate on " '' EXPERIAN '' '' the accurate date is XX/XX/XXXX which is also reporting by XXXX and XXXX XXXX, so Experian needs to make the correction

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