milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/30/2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Deposits and withdrawals

Complaint: I put my money in XXXX XXXX XXXX XXXX. in XXXX XXXX, Mo., when XXXX XXXX was the president than he and my money was transferred to XXXX XXXX in XXXX XXXX Mo., where XXXX XXXX was also the Banks President. Now my money ( XXXX dollars ) and XXXX XXXX has disappeared. my name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX 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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am very frustrated with all XXXX reporting companies. I pay good money every month to monitor my reports and what I find is that the information and credit score I get is not what a creditor gets when I apply for credit. Why since I pay my taxes and you are in business to stop this bad reporting am I still seeing this. It is your job to make sure there companies report to me the same thing they show potential creditors. Fair reporting should mean I see what they see but that is not happening at all. I know this to be true because I look at my report then apply for credit and with in a day I get a response from the creditor telling me my report does not say what they showed me it said. FAIR and CORRECT reporting should happen ALL THE TIME.

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 11/25/2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (MD).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX, 2015To whom it may concern : I would like to file a formal complaint against XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, their appraiser. 

In XXXX of 2015, I made application for an FHA loan with XXXX to purchase the home I was renting. I then paid them {$480.00} for an appraisal. The appraisal was done and I received a black and white copy. Unfortunately, XXXX began asking for strange documentation, implying that I was likely laundering money, which I was not. In XXXX XXXX, I decided we were at an impasse and made application with another company. The new company, Pacific Union Fianancial, asked for the FHA case number to be assigned to them, which it was, and for a color copy of the appraisal. It took several weeks, but eventually a color copy was provided to them. 
Pacific noted thast the appraisal called for certain repairs that needed to be done. It also failed to note that the seller was paying {$4500.00} torward my closing cost. Pacific Union, my mortgage broker, and I all requested that the appraisal be corrected and a final inspection would be needed. We spoke to XXXX, XXXX, and the appraiser. Each refused to cooperate despite FHA regulations that require them to do so. Eventually, we had to pay {$450.00} for a new appraisal. 

The time lost in attempting to get what should have been provided required several rate extensionswhich caused us not to get a lender credit of {$660.00} which we would have received had XXXX and it 's appraiser followed FHA rules. In addition, we had to pay {$450.00} for a new appraisal. We believe we are entitled to damages of {$1100.00}. 

Sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: multiple threatening calls from an agent named XXXX, who was rude and disrespectful to me on the phone. She also threatened to sue me and take away my property if i did not pay. She called me abusive and condescending names, and refused to provide me with a manager when requested. She then attempted to illegally withdraw funds from my bank account after I advised that I did not authorize it. She somehow found out my banking information and made multiple attempts to withdraw funds. Its now been over 8 years, and the debt is beyond the statue of limitations, and thus has been removed from my credit reports as of XXXX 2015. It can not be placed back on it, and they can not attempt to threaten me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (OK).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Wells Fargo deposited several checks from a company I did work for into the wrong account. The account the money was deposited into was in no way linked to me or my business nor did it match the name on the checks being deposited. There are roughly {$200000.00} worth of checks that I was paid by a company that the money is now missing. I contacted Wells Fargo and they said to contact the company that I did the work for. The company supplied the checks showing they had paid. But I never received the funds. Wells Fargo deposited these checks into an account with out a signature on the checks. There is only a printed name on the check. Also Wells Fargo did tell me over the phone that the account the money went into was not my account and did not have my name on it. I have attached the referenced checks. Yet Wells Fargo claims they have now responsibility for the money going into the wrong account and have not been helpful in anyway to correct the issue. Wells Fargo is the only one with access to both accounts and I do not know who 's account this money went into.

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 11/25/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In XX/XX/XXXX, our daughter was entering college and I applied for a Parent Plus Loan. I completed the application. My husband 's information was not required or requested. Our daughter 's school application had both her father and I on the loan. My husband and I share a bank account and have always shared a bank account. My husband and I have only this XXXX child and have been married since XX/XX/XXXX. In XX/XX/XXXX, my husband was injured in a fall at work which subsequently ended in XXXX XXXX. Shortly after his injury, we filed Chapter XXXX bankruptcy because we were unable to pay all our bills with him now being on workman 's comp and receiving 60 % of his normal income and the knowledge of XXXX XXXX forthcoming. At the time of the application for the Parent Loan, our income together was close to $ 90,000+ per year. Our income sharply declined to our current level of {$39000.00} for me and {$21000.00} for him. I have contacted XXXX and XXXX the servicers of the loan and explained the situation. Their policy is to forgive the loan should a parent become XXXX. They refuse to forgive this loan of {$17000.00} and our daughters loan of {$14000.00} because my husband did n't sign the loan application, YET they are wanting to debit OUR joint account for payment. My last conversation was on Wed XX/XX/XXXX and we have {$150.00} in our account. They wanted to debit {$240.00} on XX/XX/XXXX. I can provide all substantiating documents regarding the loan and my husbands XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: In XX/XX/XXXX I had a Deed in Lieu when my husband became a XXXX veteran ( as of now we are both XXXX veterans ). Equifax was not correctly reporting the information, they were showing missed payments past when the DIL was accepted. In XX/XX/XXXX I submitted a dispute because they were still reporting incorrectly. The date of last activity changed to XX/XX/XXXX when I pointed out their error. In XX/XX/XXXX XXXX XXXX sent them a notice showing the account was closed in XX/XX/XXXX. Thus, my last activity was changed to XX/XX/XXXX. Now my deed in lieu, which has had zero actual account activity since XX/XX/XXXX has an active date of XX/XX/XXXX, therefore, I can not acquire a mortgage loan ( Banks use a computer underwriter that picks up the last activity date ). Equifax is still punishing me from something that happened in XX/XX/XXXX, and stating it will be on my credit for 7 more years, even though I have not done anything with the account other than show them their own errors. The DIL and loan number are shown correctly on my husband 's Equifax report. How am I to ever be able to correct my credit if I am to be forever punished for something from XX/XX/XXXX? How are consumers to correct an error by a credit reporting agency if it then makes the account active again? This type of reaging is an unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX/XXXX/XXXX, I received a debt collection notice for {$1300.00}. Because I was clueless about the specifics of this debt, I immediately called the Credit Collection Services company and was instructed by a supervisor to submit a form to them via their website platform disputing the validity of this debt. This was on XXXX/XXXX/XXXX. Today is XXXX/XXXX/XXXX and I have still not received the information I requested and it has been more than 30 days after my initial letter disputing the validity of this debt. 

On XXXX/XXXX/XXXX, I received another letter dated XXXX/XXXX/XXXX from the Credit Collection Services. I immediately called them and informed them that I submitted to them a request for validation and more information about the specifics of this debt. The representative did not address my concerns. I want to know what exactly this debt is for in very specific detail. I have every right to request this very important information. 

This is not the first time this company has failed to address my concerns after me making every effort to reach out to them. I would like for this company to address my request for more information and or to cease their collection efforts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage is trying to get me to buy more flood insuranse than is required by my mortgage contract. They have sent XXXX this XXXX letter which states " Your flood insurance poliicy coverage limits must be at least equal to the lowet of the following : 100 % of the replacement cost of the property, as determined by your homeowners insurance provider, or the maximum limit of coverage made available from the XXXX XXXX XXXX XXXX, which is currently {$250000.00}. '' Where as my mortgage contract states on page XXXX '' 1. The Borrower ( s ) must provide satisfactory evidence of hazard insurance coverage and flood insurance coverage if the Property is located in a special flood hazard area. 
2. Dwelling coverage must be equal to rhe lesser of the loan amount or the full replacement value of the property improvements, ... '' I have provided Nationstar with a fax from my insurance company stating thaty I have {$110000.00} worth of flood insurance and only owe approximately {$100000.00} on the loan. 
This is a ploy by Nationstar to buy me flood insurance at an outrageous rate. This is the same sham that XXXX XXXX XXXX pulled a couple of years back which resulted in a class action law suit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a Ch  XXXX  bankruptcy discharge on  XXXX / XXXX / 15 .  XXXX   XXXX  credit card was included in the discharge. They continue to misrepresent my old account on my credit report. Initially it stated closed and charged off. Now it says it 's open with 107 % credit usage. It impacts my credit score monthly. I 've contacted them and spoken to a representative twice over the p ast two mont hs. They continue to tell me that the account shows as closed and noted my bankruptcy discharge. Monthly, my reports ( all  XXXX  bureau s ) stat es differently. I 've also disputed through the credit bureaus and  XXXX   XXXX  sends them false bank account information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2017 about Debt collection (I do not know) with Midwest Recovery Systems (WV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I keep getting repeated phone calls from Midwest Recovery Systems about a debt I know nothing about. They keep asking for identifiable information from me, such as my SSN, address, and birthdate. They are calling almost daily and have been for over two months. Yet they refuse to disclose to whom thus debt is owed or in what amount. I have requested a validation letter, to no avail. We have spoken with supervisors with no help. When they call, the number comes up as a WV number, but when an online search is conducted, it shows they are located in Missouri.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Debt collection (Medical debt) with Credit Bureau of Jonesboro, Inc. (AR).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I tried repeatedly to contact the collection agency about this debt. They never would call me back or work with me to settle or figure out if this debt is legitimate. The name of the collection agency is XXXX XXXX   XXXX. The original creditor is listed as XXXX XXXX. The debt was supposedly opened on XX/XX/2014. The balance is {$310.00}, I have no knowledge of this supposed debt, and question whether this is a legitimate debt, and company, being as they didn't want to resolve the issue when contacted nor have any contact back with me as stated on the phone. My personal information was taken but company made no effort or attempt to resolve the issues of the unknown debts, that were reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: Our lease ended on XX/XX/XXXX and we inquired about extending ot for up to 3 months but had n't yet sent back the argreement. Just in case we did extend, we scheduled a bill pay to go out on XX/XX/XXXX to SEToyota even though no further payments were due. 
On XX/XX/XXXX, we sold the car to a XXXX dealer and bought another one. XX/XX/XXXX we contacted BOA to stop the outgoing payment They advised us that although it could not be stopped, we should leave the account negative until it declined twice then it would stop. 
On XX/XX/XXXX, a transaction was processed showing as a bill pay to XXXX for {$350.00}. I went into the bank to ask how this happened and was told by the bank manager that XXXX used the information from the declined bill pay to force the transaction through as a collection. There was no collection. This transaction occurred in the amount of {$350.00} and cleared with only {$160.00} in the account without authorization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (I do not know) with Midwest Recovery Systems (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Midwest Recovery Systems reported a collection to my credit reports that I am unaware of. There was never a prior notice sent.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WV).
Issue: Customer service / Customer relations

Complaint: Capital One failed to send me older statements properly that I requested for divorce hearing. I have tried for 3 months to receive statements. They mailed to wrong address 2 or 3 times but sent bill to my address. They acted like I was the XXXX, every time I called someone would tell me something different. They told me they could fax them, after a couple weeks I called and they said they could n't fax. I was supposably talking to bosses and supervisors. I was on phone for hours. Can not believe that their customer service is this messed up. I will never deal with them again and do my best to steer anyone else away from them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with HSBC NORTH AMERICA HOLDINGS INC. (NM).
Issue: Fraud or scam

Complaint: When I came back from my mission field on  XXXX ,   XXXX  , somebody from   XXXX   XXXX   XXXX   called me to insist pay off the balance of unknown credit card. I came to know that a wrong person stole my personal information and made at least  XXXX  credit cards under my name and spent a lot of money. I did not know until that time. I have never received any bank 's statements of the fraudulent credit cards. I asked a credit agency,  XXXX , to send me my credit card records, then, I found somebody stole my ID and made cards from at least  XXXX  more banks. I wrote each bank to dispute the credit and finally, HSBC and  XXXX  did not solve the problem. Particularly,  XXXX   XXXX    XXXX   continue to send emails to insist pay off even though I sent my clarifications of the transactions of the fraudulent cards. At the beginning of disputing on  XXXX , the bank sent me statements of several months, of which card 's ending is  XXXX . I do n't know this card. I never received the card nor bank statements. I send them that the card was not mine. But the bank send me another numbers two times and transferred the balance of the fraudulent card ,  XXXX   XXXX  . They did not intend to correct the statement. They reported to credit agencies a very starance credit card number under my name. I do n't know how to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Mortgage (Conventional fixed mortgage) with THIRD FEDERAL SAVINGS & LOAN ASSOCIATION OF CLEVELAND (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I would like for CFPB to publish my complaint, so that others in in my position would not have to incur the frustration and stress that I 've had to endure. My complaint is with Third Federal Bank. I am a XXXX XXXX year old women, with COPD. I 've have been trying to work with Third Federal Bank work with me to modify my mortgage. I was denied because I no longer bring the same income as I did when I was working. 
My first modification my mother was allow to assist me with money per month to add to to help with my income. But when my mother took ill her self, I went back into the hospital. I attempted to get another modification based on my income alone, seeing as though my mortgage was over have of my monthly income. I gave them all the information, they asked for and told them my mother was willing to to help me still monthly. I was told no, I did n't make enough money and that I needed, to just let my home go and look into a XXXX XXXX place. I have owned my home and have tried everything to hold on to it, for 14 years. I fear I 'm being pushed out of my home, I was told it was too late to too late to save it because. it went into foreclosure XXXX, XXXX 2016. Now I have no place to go, with XXXX 24hrs. a day, on a fixed income. Please Help ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I just got my credit report and EXPERIAN have this Fraud information : XXXX XXXX XXXX, XXXX XXXX {$52.00}. I called XXXX and XXXX XXXX XXXX and both of them said That they did n't sent any report under my name to experian. I was calling experian so many times and they dont answer, just a machine. I requeste to remove this information from my credit report because I 'm in the process to buy a house and this information is afection my credit.

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 04-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Applied for an XXXX XXXX XXXX credit card ... ..was turned down! My credit has always been excellent! When I received my letter in the mail the reason why was based on the applicant was deceased! Im alive and well ... .not sure where to go to clear this up! Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (IA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Fedloan Servicing was changing my repayment plan to an income contingent plan. During the filing process they let the loan become delinquent and reported it 60 days delinquent in XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have several accounts that are not mine reporting on my credit bureau I have filed a recent police report with all of the accounts on them and a notarized id theft affidavit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2016 about Credit card () with AMERICAN EXPRESS COMPANY (WI).
Issue: Credit line increase/decrease

Complaint: American Express arbitrarily lowered my credit limit from {$11000.00} to XXXX, only {$190.00} above my current balance of {$4300.00}, effectively making the card unusable for future purchases, and based upon the next billing payment, would effectively force me to go over the credit limit. This not only affects current spending ability, but seriously lowers my credit score since debt to available credit is now a much higher percentage. Credit card companies should not be able to do this to hurt consumers. American express did this to me once before back in 2008 during the financial crisis. I have never been late or missed a payment on ANY of my credit cards or other credit related instruments in 17 years, the length of my credit history.

Company response to consumer: Closed with explanation