milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (IA).
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: I was denied credit on  XXXX / XXXX / XXXX  by  XXXX   XXXX   XXXX   XXXX  due to Bank of America reporting inaccurate information on my credit reports with  XXXX ,   XXXX   and  XXXX  credit bureaus.     Bank of America reported late mortgage payments for the months of  XXXX ,  XXXX ,  XXXX  of  XXXX  ( 60 days late ). I disputed this with the credit bureaus and they replied by stating that the information was verified as correct.     I supplied bank statement copies from my credit union to thes e (   XXXX   ) credit bureaus as well as to Bank of America ( complaint dept ) showing that these payments were  made within the months they were due. The transactions were ( ACH ) withdrawals by Bank of America out of my checking account. The dates and amo unt ( s ) were pr ovided on the statements and highlighted.     This incorrect information remains on my reports and I will continue to be denied credit for a new mortgage until it is corrected.     Thank you.    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 explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Hello i recently paid XXXX XXXX Credit card to XXXX after paying them on time never make one late payment XXXX XXXX updated me paying off my balance and deleted the account of my credit which caused my equifax credit score to drop 110 points this is un acceptable and as a result this has caused me embarrassment and denying in credit

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Consumer Loan (Installment loan) with SUN LOAN COMPANY INC. (IL).
Issue: Problems when you are unable to pay

Complaint: Sunloan is posting notices on my security door to apartment with personal info on it and releasing personal info to people on the phone when calling trying to get in contact with me

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Student loan (Federal student loan servicing) with The CBE Group, Inc. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I received a called from The CBE GROUP INC in XXXX XXXX regarding a Financial Aid from XXXX XXXX. I did not know I had a balance because the Money was free for the classes I took. But the school said i was not in the other classes so that is why they were asking for the balance money. When I spoke to THE CBE GROUP INC, they said if i paid in full, they will Delete it from my Credit History. I paid off the account in full in XXXX XXXX. That is still showing on my credit history. I asking THE CBE GROUP INC and XXXX XXXX to please delete the negative from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Mortgage (FHA mortgage) with Selene Finance LP (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a dispute with Selene finance with my credit report that is reflecting a late payments that is roiling month to month which is causing me to have a bad credit score. And I stated that I needed this resolved with the credit Bureau as soon as possible. I have the documentation that is showing that the month that in question, which was XXXX XXXX was not late. That was the last payment that went to XXXX XXXX of XXXX XXXX and at the time with the transition between XXXX XXXX of XXXX and Selene finance took over the mortgage. I need that fixed on my credit report. By what your there mortgage statement / payment history is showing all payments have been made by the grace period. XXXX XXXX was the one that was not showing that Selene finance did not have so here is the proof of payment please clear this error up on my credit report. This is not the first time I faxed all this to XXXX XXXX information. I faxed this information to Selene finance with all this information in XX/XX/XXXX and I was told that it would be corrected. It XX/XX/XXXX and it still not corrected. I have faxed this information twice in XXXX XXXX and it still not resolved please help me with this

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I was under bankruptcy and my mortgage was included in the plan. However, I became disable and my financial situation changed. Although my financial situation was different I still struggled and paid under bankruptcy for 5 years. And when I realized that I could not continue, I applied for a loan modification with my mortgage company and my bankruptucy was dismissed. I have now been under modification for 2 years and I was transferred to another servicer. Upon looking at my bankruptcy records, I discovered that the loan modification figures were incorrect, so before being transferred to the new servicer I contacted my then servicer about the deferred fees discrepancy along with my bankruptcy records as proof. However, they told me that they were no longer my servicer and I needed to contact my new servicer, even though this was well in advance of the transfer. Therefore, I tried to contact the new servicer for about three weeks even leaving messages after being transferred to an account manager, but was not able to make contact with them. So I sent a certified letter and then finally someone from the new servicer responded via letter and said they would look into the matter. However, when they did follow up it was a verbal response over the phone. I requested something in writing but I was told there was nothing to send. I was also told that I needed to send cancelled checks showing I had paid what I claimed to have paid which was over {$8000.00}. This is the issue, when the loan modification was first written up by the servicer, they used figures from my bankruptcy records. I filed bankrupcty in XXXX and ended in XXXX. The arrearage and deferred fees they used in preparing the loan modification were the same as when I first begin my banruptcy which was a little over {$11000.00} of which I paid over {$8000.00} as stated above. So instead of subtracting the {$8000.00} and the fees associated with it from the amount owed when preparing the loan modification, it was never done. So according to their records right now I owe over {$12000.00} with growing interest which will be due in full when my 5 years ends. So I will owe my mortgage balance of {$83000.00} plus over {$12000.00} ( whatever the interest will be in three more years ). And as for as my monthly notes, they are {$550.00} ( paying interest only ) and I have never been late since under modification for 2 years. Neither servicer has been fair with me. They are making me pay again, what I have already paid when I was under bankruptcy and attaching interest and fees on top of that. Please note : that while I was under bankruptcy not only was I paying arrearage and fees but I was also paying my ongoing mortgage payments of {$1300.00}. That was the hold point of going under a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (NJ).
Issue: Managing the loan or lease

Complaint: I co-signed an auto lease four years ago. I just checked my credit report and the leasing company has included the lease holder 's credit history for this account on my credit report. When I contacted the lease company, I was told that a co-signor is a joint applicant with their company. I never received any notifications through mail or phone call stating that the primary lease holder was late on payments ( XXXX times, 30 days late ). The lease company did n't have my address and phone number on file but are holding me accountable on my credit report. I did n't have the opportunity to make the late payments myself to keep the account current because I was not contacted and made aware.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it may concern, I XXXX XXXX am i single mother, i have been attempting to get some resolution to my hardship for about two years now. I have done everything on my hands to save my home, wells fargo only is delaying my process by asking me for documents every time i call. I called in on late XXXX 2015 and was told to submit my package as soon as possible, so i did my package was confirm receipt on XXXX XXXX 2015.i was told that my documents were received by a team called exception team. But unfortunately they were never looked at their excuse was that because they were in the process of closing out my old workout they pretty much ignored my new package. They hand plenty of time to review at that time, i never received a courtesy call advising me of such event, i started communicating with that department more and more but i am not getting anywhere. They keep asking me for information that i have already sent them claiming that they cant postponed until i send in the information this is the third time i sent everything they seemed to not care and know my situation. They have been just wasting my time i think they want me to loose my home, they have not reviewed my current situation all they say is to allow them 72 hours today is XXXX XXXX 2015 and we do n't have 72 hours. They are not sending me any correspondence advising me of the status, i am just tired of this situation. I am getting to the point where i will be obligated to seek other resolution like litigation or bankruptcy.Wells Fargo has violated my rights as a home owner, i am requesting for them to postponed my sale date to allow them time to review my current situation since it has change they just have n't realized because of minimum since of urgency on their behalf.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was working for a small business, via an online portal, based in XXXX Texas ( over 4 hours from my location ) and the owner used my information to open fraudulent credit accounts with XXXX banks, XXXX XXXX and XXXX XXXX. The account with XXXX was resolved and subsequently removed from my credit report. However, the Security team at XXXX XXXX did not resolve the fraudulent account and continues to report negative information on my XXXX and Experian credit reports. 
I have documents showing that I do not and have not lived at the address listed on the XXXX XXXX accounts. I have a notarized document signed by the individual who opened the accounts and claimed responsibility for them. I have the case # documented from XXXX County Sheriff 's Office when I reported the fraud. 
Please assist in disputing XXXX XXXX 's claim that I am responsible for the account in question. I have never, and based on this experience ( going on 2.5 years now ) will never do business with XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2016 about Mortgage (Other mortgage) with UNITED SECURITY FINANCIAL (DE).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan servicing has changed too many times. My former company, whom I hate, ( United Security Financial Corp/XXXX ), sent me a letter informing me that XXXX XXXX XXXX XXXX will now collect my payments. United Security / XXXX XXXX will no longer accept my payments as of XXXX XXXX. Today is XXXX XXXX and I have not received anything from XXXX notifying my of the changes let alone the terms or anything else. While I am happy to leave United Security / XXXX XXXX because they charged me two whole months worth of mortgage payment and still left {$1500.00} unapplied for some unknown reason that even their own customer service department ca n't explain, I still need cooperation from RoundPoint. I can not make a payment without an account number. I am sick and tired of my mortgage loan being sold and resold over and over without my permission. This should absolutely be illegal and it is unfair to the consumer, especially those of us who have NEVER missed a payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (I do not know) with The CBE Group, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On  XXXX   XXXX ,  2017    this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.

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 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: My issue is that I have 2 accounts XXXX XXXX XXXX XXXX XXXX XXXX that are this reporting negative credit information and the 7-year rule is in effect. Both accounts in question 1st became delinquent over 7 years ago. I disputed this with all 3 credit bureaus and not only did they not fix the problem, they also didn't properly investigate the matter. Not even the creditors were able to verify what we requested. 

My complaint today is with XXXX, XXXX, and Equifax. Hoping to get this resolved and appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (HI).
Issue: Problems when you are unable to pay

Complaint: For the past 2 day I recieved a phone call at XXXX XXXX and the next day I recieved a call at XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: I was in short sale review and my home went to foreclosure sale on XXXX/XXXX/17. What I do not understand is why the sale date was still active when I was in review and why I would receive a missing items letter requesting items due back by XXXX/XXXX/17 and the sale was STILL held even after I was advised that the sale would be postponed for the review and counter offer. This issue has been escalated and attempts to reach XXXX XXXX and her supervisor XXXX XXXX have been to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Prepaid card (General purpose card) with U.S. BANCORP (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: Issue with Card Numbers : XXXXI purchased a US Bank Visa Variable Gift cards for {$500.00} at XXXX ( XXXX XXXX XXXX XXXX , XXXX XXXX , CA ) on XXXX/XXXX/2015 and XXXX/XXXX/2015. 

The {$500.00} gift card I purchased on XXXX/XXXX/2015 which was fraudulently used for {$490.00} at a XXXX XXXX in XXXX XXXX on XXXX/XXXX/2015. My funds are held for over XXXX months now. 

I tried to use the one I purchased on XXXX/XXXX/2015 on same day due to my previous card being drained by fraudsters before I used it, but it was declined saying that it was not activated. I faxed in required information for activating it. Later, when I tried to use the gift card at a XXXX in XXXX XXXX, CA on XXXX/XXXX/2015, the purchase was declined. When I checked online I found that it was fraudulently used for a purchase of {$490.00} at XXXX in XXXX, CA on XXXX/XXXX/2015 while I still have the possession of my gift card. I did not even know it was activated and the funds were drained. 

I faxed all the necessary documents to US Bank. It seems like something is really wrong with these prepaid gift cards that makes it so easy for fraudulent transaction while we still have possession of the card. I would suggest everyone not to buy these US Bank Gift cards to avoid this hassle and being out of your funds for several months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/15/2016 about Credit card () with DISCOVER BANK (PA).
Issue: Unsolicited issuance of credit card

Complaint: Thus is my second complaint and still waiting for result from first. Since then Discover has made me more unhappy. Right after the first complaint was made discover made a change to my account which I understand they can do anytime, that change was increasing late fee from XXXX to XXXX. I honestly do n't care about this change because in the 3 years i ve had my credit history I never had a late fee. Thing is me and my wife opened this cc on the same day, me having the longer and better credit history. My wife surprisingly has the higher credit limit. Then the second insult Discover did is offered my wife 2 % cashback at grocery 's stores. Why these XXXX things are insulting is because my wife did n't get the late payment fee increase and I did n't get this bonus. Discover your commercial says we treat you the way you treat you. If that is what ya really stand by then please explain me why with the XXXX things listed above do I feel like I 'm a very high risk customer to you based on all your actions thus far? Discover you really want me to treat you like high risk also by locking up your card in a drawer and not use it

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Mortgage (FHA mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was bought by XXXX. The new company Vanderbilt reported me as 30 days late on a payment. I asked Vanderbilt home mortgage to send me my payment history which they did and it shows I was never late and never missed a payment. They will not remove this derogatory finding from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Closing on a mortgage

Complaint: Bank of America is not letting me settle or payoff my account. They are not even giving me a payoff demand letter on my account even after multiple request. I am trying to do short sale and they are in the 2nd position and they holding up the whole process for short sale. 1st line is already approved for short sale but due to bank of America not issuing a payoff or short sale approval I am not being to close on the property.

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 06/19/2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (FL).
Issue: Trouble during payment process

Complaint: I wrote a letter to Freedom Mortgage on XXXX XXXX, 2017 to request removal of the PMI on my mortgage. I attached a copy of the most recent appraisal provided by Freedom Mortgage. The value of the property is {$140000.00} my principal balance is {$110000.00} leaving a LTV of 78.58 % I received a letter in response dated XXXX XXXX, 2017 that stated they were unable to approve my request because my LTV was greater than 80 %. I have written another email dated XXXX/XXXX/2017 to the rejection letter requesting the PMI to be cancelled.

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 10-03-2017 about Debt collection (I do not know) with Alliance Data Card Services (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have contacted XXXX XXXX XXXX XXXX about a debt from Comenity Capital Bank about a merchant debt that they say I owe to XXXX. It appears that this company Portfolio has purchased the debt but I have entered into no legal binding contractual agreement with them and they are harassing for {$400.00} and I DO NOT OWE Them this. 
I have asked them several times to supply me the written SIGNED contractual agreement with them and XXXX showing my signature on any agreement and they WILL not or CAN NOT supply me with that. They simply send me copies of bills or statements and this does not constitute any kind of validation of this debt being mine. Statements and Bills do not show proof of ownership. They recently sent me a letter stating that I do not have a right to challenge their stance and that any written letter to them will be ignored and considered answered already. The burden of proof is on them to show that I am the legal owner of this account that they purchased. Unfortunately they are a XXXX part collection agency that purchase the debt from XXXX but that does not legally give them the right to try to collect from me as I HAVE NO CONTRACT with them. I am DEMANDING proof of ownership, and the only way to show that is to show my signature on an agreement between me and XXXX. SIMPLY sending me copies of bills or statements does not prove your position that the account is mine and that I owe this debt.

Company response to consumer: Closed with monetary relief