milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/25/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America you are the biggest disappointment to all Americans. President Obama gave the banks money to bail out to help families like myself who needed remodifications. Families like me that had actual hardships. To think you call yourself Bank of America. You are not what America stands for. You are a lying, cheating, Bank!!!!! U told me to apply for Remodification I did and you denied me over 20 times and I had lawyers tell me how disgusting u thieves were.You then told me get an offer on your home XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and so many more. I got an offer and then XXXX stated have it loaded into equator with the perspective sale date and fully executed contracts. I believe his boss then had him tell me due to delinquency we ca n't continue with a short sale, after you scheduled a home inspection. You are the most unprofessional lieing people. I hired XXXX lawyers and a real estate agent. I contacted the president, senators, XXXX XXXX, XXXX, news and women 's activist for your predijuce ways.You never had any intention of allowing me to short sale my home that 's why the new issue is the home is to delinquent! Is n't that why you short sale a home.Like I stated in my previous letter XXXX is a XXXX male of status just as his colleagues are.I asked that I not work with him before. I have been discriminated against by Bank of America and I will not be leaving my home. You will provide me with my short sale because somewhere in that company there is one person that has decency.I expect that you will postpone my sale for XXXX XXXX and allow me the option to conduct a short sale. I met one person in that company XXXX in short sale with actual morals. Calls like she says and is kind and XXXX also. Someone else has to have dignity .Please do n't allow me and my children to be homeless or displaced. Please allow me to short sale my home and move forward as my hardships have been my children 's also. Divorce, loss of job, loss of income and now loss of home. Have a XXXX heart!!!!!!!!!!!!!!!!! You have taken my home from me and my children!!!!! Thank you in advance give me the opportunity to move forward. You have discriminated against me enough and as you see I do n't go away. I will not go away XXXX XXXX, XXXX and XXXX XXXX have time to listen so I expect you to be the Bank of America. Help me Please please please. Let me short sale my home.What other excuse do you have. 
XXXX 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 non-monetary relief
Consumer complaint received 01/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX has reported to the credit bureaus I was late 120-180 days mortgage payments for each month in XXXX XXXX. Contacted them and they asked for bank records that dispute their reporting. I provided it XXXX/XXXX/XXXX and they responded that they were not going to change their reported although the bank records indicated I was on time and actually a month ahead by mid XXXX. They suggested we take it up with the credit agencies. This has not only impacted my credit score buy my ability to secure another home. Currently trying to contact TransUnion, XXXX, and XXXX to mitigate the negative situation. Numerous attempts with XXXX failed to achieve any resolution. Will never do business with them again.

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 11-06-2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (NH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a car loan for my XXXX XXXX XXXX that I purchased in XXXX. I financed the vehical through Toyota Financial Services, I made a payment for XXXX XXXX and was told that they never recived it but it was taken out of my account and I have proof. I have not missed any payments as I was trying to buy a house and was almost there until this incident happened and now my credit has gone down almost 100 points, it has completely ruined my credit and my life because now I cant better my life in anyway, I cant upgrade my vehical I cant get a house and I cant get into a better apartment because my credit is so bad. I have called 5 times to Toyota financial and written a email, and sent fax of my proof for my missing payment 2 times, and have not gotten help from any of the workers from Toyota financial and I even went to XXXX of XXXX and had them fax my info to Toyota Financial Services and they said they still dont have anything from me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Penn Credit Corporation (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Company continues to report this account which is not mine on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX keep putting information on XXXX, Transunion and XXXX  stating I have accounts in collection. I have even gotten letters and called them and they confirmed I have no debt with them. Now they have reported to all three credit bureaus I have collection accounts and I have not communicated with them since the last letter received months ago. 

This is causing my credit score to drop and shows damaging information on collections I do not have.

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 08/26/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: A debt collector contacted my elderly mother, who has a XXXX, at her telephone number. She was told that there was a warrant for my arrest and that I was due to being arrested any minute, if I did not contact them. She was told that she had XXXX minutes to contact me and have them contact them so that I could be arrested wherever I was located at. She contacted me at work and I then contacted the company. Meanwhile, my brother had to take my mother to the doctor due to her XXXX. 

When I contacted the company, a representative told me that I needed to make payment immediately and he would then terminate my warrant of arrest. I paid them with whatever I could and am now making hospital payments for my mother. 

I believe this was very unethical on the companies behalf and should be disciplined for verbal abuse and domination over something that does not originally belong to them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Payday loan () with SUNTRUST BANKS, INC. (FL).
Issue: Charged bank acct wrong day or amt

Complaint: I was told by the active hours app, which is a payday loan app to submit a complaint here. I was charge by my bank on the wrong day to get a overdraft fee. They told my bank to charge me on Monday, since Friday is a bank holiday, but instead charge me on Friday. My bank is SunTrust.

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 08/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MO).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I had fraud on my account in the amount of XXXX They did a credit adjustment ( XXXX ) and added it to my account, instead of deducting it. 
They charged me a late fee ( which they stated they would n't do ) They charged me interest ( which they stated they would n't do ) They gave me interest back and the late fee, however they would not re-adjust the XXXX plus the XXXX. Total XXXX even though they stated they would.

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 01/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid in full and closed a credit card account with XXXX Bank. Now as of XX/XX/2016 they are reporting it as 60 days late. How can a closed account have a status of 60 days late. 
I contacted the bank and credit bureaus with NO resolution

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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AK).
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: In XX/XX/XXXX, I sent certified letters ( that were signed for ) to all three credit reporting companies stating that information on my reports was incorrect. I didn't hear back at all from two of the agencies, and XXXX   only seemed to update some inconsequential/irrelevant information on my report that I had not requested to be revised. My complaint to the companies was based upon a student loan for {$1400.00} that I received from XXXX XXXX XXXX in XX/XX/XXXX. The account first went delinquent in XX/XX/XXXX and was then sold to XXXX/XXXX XXXX on XX/XX/XXXX. This collection agency informed me that I absolutely had to sign up for its rehabilitation program, which required a down-payment of approximately {$150.00}, plus monthly payments of {$50.00} ; I was repeatedly told that paying the account in full would substantially hurt my credit, but that signing up for the rehabilitation program would actually earn me good credit. I paid this agency through the program for approximately one year before the account went delinquent in XX/XX/XXXX ( see attachments ). The loan was then sold multiple times over the next few years, with substantial ( considering the amount of the original loan ) fees tacked on. Throughout that time period, I made inconsistently made numerous payments, but I struggled due to the fact that my loan had been sold so many times, and because I had to have new credit cards issued on three occasions due to fraud or lost cards ( because these " rehabilitation programs '' required that I sign up for an auto-pay with a credit card number, yet that number changed repeatedly, payments were declined on multiple occasions. The loan finally ended up with the US Department of Education in XX/XX/XXXX, in the amount of {$2800.00}. 

This shows up as an adverse account on my credit report because the loan was sold multiple times. Per 605 - 15 U.S.C. 1681c ( a ), no consumer reporting agency may make any consumer report containing accounts placed for collection which antedate the report by more than seven years. I have only ever received the single student loan in my life. Because all of the student loan accounts on my current and former credit reports originate from the same XX/XX/XXXX student loan account through XXXX XXXX XXXX, and because that loan first went delinquent ( and was originally reported negatively in XX/XX/XXXX, which is obviously outside of seven years from today 's date ), these adverse accounts listed on my credit reports should, in my opinion, be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with TCF NATIONAL BANK (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing to continue a complaint XXXX. I am attaching several documents which present my case and my situation. First, I was foreclosed by TCF. They never gave me the opportunity to make things right and NEVER considered a short sale offer I has for {$960000.00}. In the most recent letter letter ( attached ) from TCF, XXXX XXXX, he stated that he made many offers, offers I specifically asked for in my XX/XX/XXXX letter ( attached ) and that he did not hear from me. This is incomprehensible -- all I wanted was to keep my son in school -- and not have a deficiency judgment. He says they offered that, which must have only been a year ago, and that I did not respond. However when I asked for a copy of the offer, they have none. I am asking you to look into this situation. I also attach an offer I received for the property XX/XX/XXXX for {$960000.00} which TCF did not entertain, but yet they sold the home for {$800000.00} less than 6 months later. This is a choice of theirs to accept such a low offer for the home. They are pursuing a deficiency judgment of {$340000.00} against me and will not negotiate, Attached letter of XX/XX/XXXX. It should not be allowed that TCF took the home I lived in for 18 years, without any negotiation or offers of assistance. When I first approached TCF there were government programs offering 1 % and 2 % mortgages, and yet TCF would not consider lowering my rate, and then sold the home at such a steep discount. This should not be allowed. They purposely accepted {$160000.00} less for the home and are coming after me for an amount they know I can not pay. Please assist in getting TCF to withdraw their deficiency judgment and letting me put back the pieces of my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (Mortgage) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX is using my credit report against me for a debt that was past due in 2006 and is now paid off it is to old to be on my credit Transunion verifies the debt sure the have my ss # and address that does not mean they can report an old debt

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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 01-06-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: My Student Loan Servicer XXXX XXXX has obtained my loans from XXXX XXXX with a consolidation option I have been with XXXX XXXX for 5 years. My loan amounts exceed what I originally borrowed the amounts continue to increase. I am not in default I have repeatedly asked to have my payments lowered but have struggled to pay. I have been certified for the loan forgiveness program through my employer they only credited me XXXX qualifying payments I need a total of 120. I have been with my employer since XXXX. I have made more qualifying payments than what they are reporting. My current loan balance is {$180000.00}. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with R & B Corporation of Virginia (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX It 's important that these accounts gets removed from my credit report. They have reported the same account more than once. It has already been paid in full. I have tried contacting them directly however they are not willing to delete them from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I submitted a written dispute to Experian. They replied stating that they will not reinvestigate my dispute due to credit grantor has verified its accuracy but they have not submitted the required proof 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 09/13/2016 about Debt collection (Medical) with Capital Accounts, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was a XXXX time patient at the XXXX XXXX XXXX. When speaking to XXXX, he advised me to come in and for a free XXXX and would bill my insurance and wave the copay. I now have a mark on my credit report showing I have a debt in the amount of {$130.00}. I would like for this to be removed immediately whereas I never authorized this charge and never signed an agreement nor medical release form for billing or services.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Bank account or service (Checking account) with BB&T CORPORATION (PA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2016 I made a deposit to my checking account of XXXX. On XXXX XXXX, 2016 money was swept from my overdraft protection line of credit and a sweep fee ( {$12.00} ) was assessed. When I contacted the bank via the customer service phone number XXXX explained that it appears a hold was put on my account and I wanted to understand if the fee would be reversed once the deposit cleared. This question could not be answered and I was told my name was going on a list to be contacted by a manager. Almost two weeks went by and I never heard from them. On XXXX XXXX I contacted my branch ( XXXX office ) and explained that I 'd like to know if my fee can be reversed since my deposit has cleared. I also asked why I was never told a hold was being put on my deposit. She explained that if I flipped my deposit receipt over I would see the hold notice. She also explained that they do not typically reverse these fees since I am made aware of the hold, however, in this case I was n't. I made my deposit through the drive-up and they could have simple told me a hold was being placed but nothing was said to me other than, 'Thank you have a great day '. Prior to BB & T taking over Susquehanna Bank a hold notice would have been mailed the same day or the following day and a verbal notification would have been provided at the time of deposit if the decision to place a hold was known. I feel that this practice is deceptive to the customer and is increasing BB & T 's fee revenue at our expense. Please note : The front of the deposit receipt looks exactly the same whether there is a notice on the back or not, so there is truly nothing telling you to flip it over and read the notice. Since the branch manager is on vacation I still have not gotten a resolution. I think BB & T should verbally inform their customers of their decision to place a hold or at least tell them to review the hold notice provided on the back of their deposit receipt since the decision to place the hold has already been made at the time of deposit. I do n't believe Reg. CC was meant to increase fee revenue as BB & T appears to be utilizing it.

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 09/29/2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PR).
Issue: Fraud or scam

Complaint: I was engaged to an alleged XXXX, he established that he was going to transfer me {$100000.00} from his account in XXXX in XXXX to this email- XXXXXXXXXXXX I provided the transfer fee of {$1100.00} to a XXXX XXXX, Remittance Manager of XXXX . I used money gram to wire the money to XXXX with a reference number XXXX. I was later asked to pay {$8000.00} for a COT code. I was provided a fake internet account website to transfer the funds from said account to my personal account. 
Dear Value Customer, You can access our website ( XXXX ) Ma'am the best wayof transfering fund like this internationally is what you went for ( Internet Bank Tranfer ) and is the simplest means of transfer. You canalso log in your Online Bank Account through our Internet Banking platformit will take you directly to the site we gave you earlier to access youraccount*Our bank has a banking policy operating in Directives of job processingand customer satisfaction that we do have laws governing our Bank* Our bank is known for long standing Reputation in maintaining customerrespect and obeying Banking rules/Laws. Note this, as part of ourcontractual agreement with our partners with customers, that no amount canbe deducted from your fund, this is because the total amount has beeninsured to the real value. And this is in accordance with section XXXX ( XXXX ) ( XXXX ) of the international remittance act as adopted in XX/XX/XXXX and amended onXX/XX/XXXX by the constitutional assembly and it put in place toprotect Beneficiaries from Bank exploitation and to avoid misappropriationof funds. 
XXXX XXXX, Remittance Manager, XXXX, XXXX.

Company response to consumer: Closed with explanation