milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My XXXX XXXX mortgage was purchased by SLS Loan Servicing XXXX/XXXX/XXXX. I had only 6 months left on my Adjustable Rate Mortgage, set to balloon on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, SLS sent me a loan modification letter offering to extend my ARM for an additional 5 years under the same terms. Rather than applying to another bank to refinance, my husband and I signed the document and returned it to them to extend our loan for 5 more years. We both have excellent credit and have always made our payments on time, so this did not seem unusual that they wanted to keep us as their customers. Well, about 7 months later ( XXXX XXXX ), SLS out of the blue sent my mortgage payment back saying that our balloon was due in full and they were only going to accept full payment of our loan. ( This is after accepting our monthly payments for 5 months after our balloon was due with no correspondence from them at all saying anything was wrong! ) I have been on the phone with them at least 25 times since trying to rectify this situation to no avail. One person actually told me on the phone that the modification/extension letter was sent to me in error. ( what?! ) Another told me that they did n't receive it, this after I mailed it, and faxed it to them twice. Bottom line at this point is that they will not honor it. SLS is now negatively affecting our credit score saying we are behind on our mortgage, and no bank will even talk to us to refinance so I can pay them off and be done with them, since my credit report shows missing payments to them. They are trying to get me to fill out a loan application to start over with them, that says I need modified payments - as if I am in financial trouble. My husband and I do not need modified payments. We can afford our mortgage without their help. I am afraid to fill out anything for them at this point because they do not seem to be on the up and up on anything. When I google the SLS name, XXXX complaints come up all over the internet against them. I do not know where to turn at this point. Each day my credit score goes down ( we were in the high XXXX 's prior to this ). I can not believe in this day and age that a company can get away with something like this. Help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Payday loan () with Integrity Asset Partners, Ltd. (RI).
Issue: Can't contact lender

Complaint: Integrity Asset partners is a debt buyer who is helping continue a scam set out by a scam portfolio debt seller. They say they are hiding behind a non disclosure of who they purchased it from. They also sold it to XXXX which threatened with legal action if I did n't pay them, do not mirandize, and juice the amount that they say was an original loan amount when in all actuality the loan never existed. integrity is the only thing in their name that is actually in existence. They knowingly purchased bad cheap paper and sold it to people they did not do their due diligence on.

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 12-10-2016 about Consumer Loan (Installment loan) with CITIZENS FINANCIAL GROUP, INC. (AL).
Issue: Taking out the loan or lease

Complaint: XXXX XXXX has a program titled " XXXX XXXX XXXX '' that allows XXXX to purchase an XXXX that is financed through Citizens One bank. After 12 months you have the option to trade the phone in for a newer model. This program also includes XXXX protection. Citizens One requires a credit card and sets up for automatic loan payments. 
I purchased an XXXX through this program in XXXX, 2015 and decided to upgrade the phone. I have not missed a single payment to Citizens One nor have I made a late payment. However, Citizens One runs a credit check and declines to finance me. This effectively means that I ca n't take advantage of the benefits of this upgrade program. My credit status has not changed since Citizens One approved the original loan. I believe this an intentional maneuver on the part of Citizens One to increase their profits by forcing me to stay locked into the loan for this phone. This is a deceptive practice and should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On several occasions I have disputed the XXXX XXXX collection account as this is NOT my account. I have submitted an identity they affidavit and a police report to state this was not my account. Experian deleted this account in XXXX. This account has reappeared on my credit report XXXX. I disputed this account with XXXX XXXX and they have responded with the following : XXXX/XXXX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

You should receive an update from the company within the next 15 days, and a final response within 60 days. 






Company responded Status Company responded on XXXXResponse TypeClosed with explanation Company 's Response We are in receipt of the consumer, XXXX XXXX 's, second complaint. This shall serve as XXXX XXXX XXXX XXXX XXXX XXXX 's ( " XXXX '' ) response to same. As stated in our response for case # XXXX, XXXX deleted the tradelines for the account in question in XXXX. XXXX reports the same information at the same time to all three of the national credit reporting agencies ( " CRA '' ), XXXX, Experian, & XXXX  XXXX utilizes XXXX reporting requirements as agreed upon by all of the CRAs. However, XXXX will submit a second " XXXX '' XXXX XXXX XXXX XXXX XXXX to the CRAs in an attempt to expedite the removal. 

Experian has this incorrect tradeline reporting on my credit even after it was deleted in XXXX. Per the response above this tradeline is to remain deleted. Also, the credit reporting bureaus is supposed to advise the consumer prior to a deleted account reappearing in the credit file.

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 03/26/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Unsolicited issuance of credit card

Complaint: I want to make you aware of the VISA and MC " VAU '' Visa Account Updater and for Master Card, The Automatic Billing Updater or " ABU '' Programs. These are Programs whereby if you report your card lost or stolen, issuers of credit cards automatically issue your new credit card number to merchants that request it when you have a monthly billing or " continuity '' subscription with that merchant. They do this without asking or notifying you. They are in essence giving your number to a third party without your consent. In my situation, a fraudulent billing account was set with an online Merchant named XXXX. I was unable to get any redress from the Merchant as I did not create the account and could not provide them an account name or number to cancel. It was set up fraudulently. I called my card issuer ( BofA ) and they canceled the account and issued a new card. A month later the same charge showed up on the new card. BofA again cancelled the card and issued a new one. Its now 3 months laster, I am on my XXXX card and again the merchant charged my card without any contact from me. Someone is providing them the new card number to continue billing me erroneously. The problem lies in the fact that VISA, MC and all major banks like BofA have this program that provides the merchant the new card number to ensure a smooth transition to KEEP BILLING THE CONSUMER even after they have filed a fraud report. I find it incredible that BofA Fraud department keeps taking my fraud report, changing my card but VISA keeps giving out the new card number to the merchant without my approval. I am stuck in a never ending cycle of fraud, perpetrated by the bank and VISA and my only recourse is to cancel my relationship with the bank. 
This is a Bad financial policy. I urge the CFPB to investigate the financial industry giving out personal financial info without my consent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I just recently retrieved my XXXX XXXX Credit profile and I noticed that there has a been some mistakes. There are two inquiries that I do not authorize and was not present on my credit report last year in 2017.

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 11/22/2015 about Prepaid card (General purpose card) with U.S. BANCORP (GA).
Issue: Unauthorized transactions/trans. issues

Complaint: I went to get gas and the card declined so I was never able to get gas at all. I called the card company and they could not find a reason as to why it declined but proceeded to tell me telhey will be holding all of the money I have on the card. It 's been 9 days and they still have n't released my money. Not only that but they said it would be another 5 days before it is released. This has caused a huge problem and is a huge inconvenience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (CA).
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 recently received a new copy of my credit report and I noticed an account was placed with collections in my name that I have disputed as fraudulent or belonging to someone with a similar name. I had no knowledge of this debt yet " XXXX ''. has continue to report it to my credit file. I had sent a certified letter to the collection agency and to " SUNTRUST '' ( the original creditor ) asking for " DEBT VALIDATION '' and I never received a response back. I believe this account is fraudulent or belongs to someone else with a similar name. This debt is not mine and I've tried every option I could think of to fix this erroneous reporting of this account to my credit file.

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 01-08-2017 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Deposits and withdrawals

Complaint: In XXXX of 2014 I started a new job and was given a paper check for my first payday. I deposited this into my XXXX XXXX bank account and was told the items would be available the next business day. I wrote a check to deposit funds off of this account to transfer to my Bank of America Account. XXXX put a delayed Reg CC hold on the paycheck and bounced the check I had written to the Bank of America account, causing the bank of America account to go negative. Bank of America closed my account and reported me for fraud, even though I have since paid back any amounts owed, and supplied them with documentation that the funds were there. Bank of America refuses to work with me to clear my name or allow me to open another account. This has lead to issues opening new bank accounts as well. I would like all negative information on file with bank of america removed as the funds were there to cover this transaction.

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 01-10-2018 about Debt collection (I do not know) with Hunter Warfield, Inc. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is my second and last complaint regarding Hunter Warfield to Consumer Financial Protection Bureau. Hunter Warfield responded to my last complaint which is below advising that they have ceased communication and reflected this on my credit and that they are not re-aging this " debt '' but they are indeed doing just that. Hunter Warfield removed this debt from my credit in XX/XX/XXXX and placed it back on my credit report dropping my credit score 42 points as though this was a new delinquent account.Hunter Warfield has caused me much anguish by reporting an invalid debt to the credit bureaus. Hunter Warfield occasionally removes and then re-inserts this invalid debt in order to illegally re-age this erroneous account. Hunter Warfield is reporting this item as an OPEN account. I never received notice of this debt from Hunter Warfield. I applied for a home loan and was denied due to this criminal act by Hunter Warfield. Hunter Warfield is claiming that I owe them {$3100.00} on a debt with an account number of XXXX. I have disputed this account with the credit bureaus and Hunter Warfield. My first debt validation letter was sent to Hunter Warfield on XX/XX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, I received a response back from a XXXX XXXX advising me that a contract with my signature stating that I owe them the debt was enclosed in the envelope. It was not enclosed in the envelope. This was just another one of their deceptive tactics. They did not enclose a contract with my signature on it because it does not exist. I then sent Hunter Warfield a second request on XX/XX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, requesting that they provide me with proof that this debt belongs to me, but I never received a response back from the company and they failed to notify the credit bureaus that I was disputing this frivolous account. After several failed attempts with disputing this account with Hunter Warfield, I decided to dispute the account once again with the credit bureaus. I sent a certified letter to the credit bureaus requesting that they re-investigate this erroneous account and that they provide me with proof that this account belongs to me. I then received notification that my dispute was updated by the credit bureaus but the account for Hunter Warfield is still being listed on my credit file. This is a direct violation of FDCPA, FCRA and OCPA. This wrongful reporting has not only negatively impacted my life ; it has also had a negative effect on my family as well. I request the immediate removal of this account from all credit reporting agencies whom has been notified.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I took out a private student loan with Peaks Loan to supplement my federal student loans to pay for classes at XXXX XXXX XXXX. XXXX charged exorbitant amounts for a sub-standard education and misled me with inflated job placement and salary information. The degree received from XXXX in 2013 is now rendered completely worthless because XXXX lost its accreditation and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NC).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Macy 's Credit card.
In XXXX 2017, this credit card company was faxed with receipt and mailed a power of attorney ( POA ) to take control of the account away from the primary account holder due to XXXX. My wife and I were given custodial control. Macy 's ignored this and sent a letter stating that the primary account holder had to approve. We had the attorney get involved, and the account was closed. This is after we were hung up on ( disconnected they said ) twice when we told them the attorney was going to get involved if they did not allow the properly executed and filed POA. We again wrote back with the POA and a letter stating to close the account.
We reviewed the account. Over the last year, my mother in law was making the payments the account reps on the phone told her to make to " settle the account ''. these payments were always one to two dollars below the minimum due. Each month, they were hitting her with close to {$100.00} of fees and interest due to giving her the wrong information and misguiding her.
In XX/XX/XXXX, we were given a final settlement amount, and we sent in a check. We then got a letter addressed to the original account holder stating they could not honor the request, and charging a " minimum fee '' of {$2.00}, and a late fee. We called several times, got hung up on several times, and after threatening legal action, the fees were removed. The agents reported the account was closed In XX/XX/XXXX, they again charged minimum fees, and ignored the POA. We again sent in the POA with a demand to close the account. Several 'disconnects ' later, the account was reportedly closed again.
In XX/XX/XXXX, when my mother in law in her XXXX state called Macy 's to make an order, she asked to have her personal credit card charged for a phone order. Macy 's again opened her Macy 's charge account and placed the charged on the Macy 's card. This was against her wished, ans she was told that they " had her personal charge account on file ''. This is after Macy 's had been notified in writing on multiple occasions that the person was not legally competent to do so, and the account was closed.
We called the next day to cancel the order, and move the charges to a Visa card. We were told this was done - it was not, and we started the whole cycle above 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 monetary relief
Consumer complaint received 10-11-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX. 2016 I received a letter to XXXX credit regarding several inquiries on my Equifax credit report. I had sent them a letter disputing these inquiries. The letter to stated that I should dispute these directly with Equifax. I did dispute these along with many others which I did not authorize. On XXXX XXXX, 2016 I received a letter from Equifax stating I should dispute these with XXXX. I sent Equifax a copy of the letter I received from XXXX credit. I am not sure why they refused to investigate thesee inquiries, the letter said these were a matter of record and I should dispute these with XXXX credit. I sent a copy of the original XXXX response letter and a copy of the letter I received from Equifax to XXXX again. Once again I have received a letter from XXXX stating that these should be disputed via Equifax. This cycle is kind of like a puppy chasing its tail. Equifax is making it impossible to dispute the inquiries I sent in letter for. I believe the only way to get them to do their jobs it to file a complaint. I want Equifax to finally dispute the inquiries I sent them letters for.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SUNTRUST BANKS, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, Suntrust Mortgage Inc services our mortgage loan. In XXXX XXXX, I submitted a request to Suntrust Mortgage Inc to modify our interest rate since our rate would be adjusting XXXX XXXX to a higher mortgage. We can not qualify for a refinance of our loan because we are self-employed. Over the last year we have had XXXX Home Preservation Client Representatives with SunTrust Mortgage Inc. We submitted all the documents request by SunTrust Mortgage Inc. regarding our loan modification but have never received an answer regarding our request or follow from any of our XXXX Home Preservation Client Representatives with SunTrust Mortgage Inc. My husband and I would like to keep our property but like to modify the rate to a lower rate to be able to keep our property. I am not asking for a principal reduction only to lower our interest rate so we can keep current with our mortgage payments and continue to pay per the terms of our agreement. I would try to refinance but we do not qualify for a regular since we are self-employed. Our payments are not delinquent.

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 08-04-2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Back in XX/XX/XXXX USAA decided to restrict my online account access to USAA.com preventing me from seeing or accessing any of my accounts. On XXXX XXXX 2017 there was an ACH withdrawal for {$4000.00} which simply stated member generated. Seeing as I did not have access to usaa.com I do not see how I could have generated this ACH withdrawal, but seeing as there was no other identifying information I promptly requested more information from USAA to help identify the transaction. I made this request multiple times throughout XXXX and XXXX of 2017. Now in XXXX, I received letters stating I disputed the transaction and am asked to sign all these papers stating I did not authorize the transaction I still have no information on. USAA failed to do provide information on this transaction as requested yet demands I send in a signed affidavit stating I did not authorize a transaction I simply have not been given any information on in order to identify it. Furthermore, the letters request XXXX upload the documents on USAA.com which I am restricted and unable to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation