milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-11-2017 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: Account information incorrect

Complaint: On    XXXX   XXXX   XXXX   I file d a complai nt on   XXXX   XXXX   The company has refused to verify and information regarding a debt that is claime d to be owed. When reaching out to the company the representatives are rude and claim that the company does n't have to verify and information.  One rep advised me that   XXXX   XXXX   can electronically share any balance to the credit bureaus    and I should stol calling because they  can add to the balance at any time. I was then told by the rep that no signed agreement binding me to pay the contract exists but if I do n't pay it, it will continue to reflect negatively on me borrowing potential so I should just "  XXXX  it up and pay it, even if its not yours '' i have attempted to get assistance from all   XXXX   credit reporting sgencies.  XXXX ,  XXXX , and Experian however I have not received a resolution .    XXXX   XXXX   has not reaponded to a complaint submitted o n   XXXX   XXXX   an d they refuse to verify that this is my debt but the account continues to reflect bad borrowing potential on my credit report.   According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. You ca n't report a debt that is not infact verfied as mine or that I have not received any written notification of before the attempt to collect the debt. This account should be removed from ALL  XXXX  credit reporting agencies.

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 04/20/2015 about Mortgage (FHA mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My XXXX mortgage statement had the incorrect XXXX interest an principal paid. I called Seterus on XXXX/XXXX/15 and was told they would send out a corrected statement, but they never did. I received my XXXX stmt, and the information is still incorrect. I called and spoke with someone today XXXX/XXXX/15 who was not able to give me any information and said that her supervisor was unavailable. I would like my statements to reflect the correct amounts of interest and principal paid on my mortgage to date. I have documentation of each person I spoke with and the date.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I ha ve a Sears MasterCard an d have been trying to make a payment and the site has been working at all. I have tried other browsers, clearing my cache, refreshing my page, using a different computer, and nothing works. It stays  on one p age and you 're not able to make a payment. My account is now past due. I have called the number on my card and they said the site is currently down and no one is able to process there payment online and the bill pay department is not able to receive my call because there is such a high volume of calls! They should of sent nification if their site is not working! How else woud anyone with e-statements know to pay?! The person on the phone was not able to take my payment, as the payment is now past due and when transferring to the bill part department, no one picks up. This is extremely frustrating and unnerving for a credit card company to not have any ability to pay either online or over the phone! Below is the website I have been trying to pay my bill on.     XXXX   XXXX   XXXX   XXXX   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 06/20/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This is the second time I have filed this same dispute with Equifax. The first time I sent the documentation that the recorded State Lein was Released along with the notation from the State stating THERE WERE NO FEES AND THE LIEN WAS FILED IN ERROR. I then filed again ( with the same documentation ), and noted that it clearly stated the LIEN WAS FILED IN ERROR, yet they still refuse to removed it off my credit. I was on the phone with them for 42 minutes today, and they refuse to remove it. They just say the document says the Lien was released. Then I say well of course they had to release it, it was invalid. Then I ask them " do you see that it clearly states in BOLD the lien was filed in error? '' They say " yes, but it was released and that is all we will change ''. I even pointed out to them their own Policy clearly states if it was filed in error it will be removed. They just refuse to remove this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: This is another follow up complaint against Bank of America. This complaint is continual and linked to CFPB # XXXX, XXXX, and XXXX. To date, Bank of America has not accurately updated the status of these loans, which were settled via Short Sale XX/XX/XXXX. I have attached a copy of a portion of my XXXX credit report showing the misleading and confusing status of these loans. It also shows incorrect High Credit Balance for the second mortgage of over XXXX dollars which is not only incorrect, it is outrageous. I need Bank of America to update their credit reporting of these loans to reflect that the loans were settled in full and there is no balance. I also need them to reflect an accurate High Credit Balance. I need them to update these information with all Credit Reporting Bureaus asap.

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 07/14/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: In XXXX XXXX, XXXX I pullet out my credit report from Equifax website because I wanted to buy a car as you can see on the attached credit report my credit score was XXXX I went to several dealers they pulled up my credit report but was n't able to see my credit score you can see that on the Auto Dealer credit report attachment, I called Equifax and they told me was a problem with the dealer 's system ; at that time I was n't able to buy a car because nobody could n't see my credit score even when I was showing them my credit report and score print out from Equifax website. but as you can see on the attached current credit report the credit inquires from that time dropped down my credit score because of Equifax not showing my credit score to the creditors So I was n't able to buy a car with my credit but my score when down anyways, that is ridiculous after that I tried to open a checking account in a credit on XXXX XXXX and same thing was n't able to see my score one more time I called Equifax and they told me that is a problem with XXXX ; but as you can see I have a credit score that only me is able to see. and after more than year and half still having problems trying I talked to Equifax several times and no solutions for my situation always have an excuse and is nothing to do with them. Please I hope you can help me with this matter that is damaged and bother me for so long. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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: Experian is reporting some paid collection accounts on my credit file that I had an agreement with the creditor to delete. I have sent them the letters, but they said they are not able to read then and will not delete these accounts. 

1. XXXX XXXX. Opened XXXX/XXXX/XXXX 2. XXXX. Opened XXXX/XXXX/XXXX 3. XXXX XXXX XXXX. Opened XXXX/XXXX/XXXX 4. XXXX  Opened XXXX/XXXX/XXXX 5. XXXX. Opened XXXX/XXXX/XXXX Also, XXXX XXXX XXXX has agreed to remove the late payments from my account and I would like those late payments removed.

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 11-10-2017 about Mortgage (Conventional home mortgage) with GOLDMAN SACHS BANK USA (WA).
Issue: Struggling to pay mortgage

Complaint: Today we learned that Goldman Sachs, investor of our mortgage turned down our mortgage modification appeal. It was actually news to us as we were never informed that Goldman Sachs was investor of our loan despite 2 requests. 

We know that the whole modification process was botched with repeated documents missing and the threat to foreclosure on us. In addition the Home Owner 's bills of right was n't follow as the appeal was botched too. We also know that the documents we sent for the appeal were n't used at all. 

1- Please provide the data used by Goldman Sachs for the decision. 
2- Please send us the list of documents you received from us for the appeal. 

Absence of these, We 'll get a lawyer to freeze the foreclosure in court.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Auto) with Westlake Services, LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A company that has recently purchased my auto loan has contacted me more than 7 times in a four hour period while I myself am at work and unable to take calls for a payment that is only three days past due

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Debt collection (I do not know) with AllianceOne Recievables Management (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A Collection Agency called Alliance One has some personal information and they say I have a debt. I have never heard about this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AL).
Issue: Loan modification,collection,foreclosure

Complaint: My father XXXX XXXX purchased a house for me in XX/XX/XXXX. He passed away XX/XX/XXXX. I am the representative of the estate and the house mortgage is now through Nationstar. Apparently they loss the documentation saying I was the representative of the estate and turned off m ability to make payments on account. I have tried to make payments numerous times as well as my wife. I have called and left messages with XXXX XXXX my account rep. and not return calls concerning this matter. I send in paperwork pertaining to certain issues and they lose after receiving it or say they never got it. Two days ago is when I found out talking to Nationstar that they said they had no paperwork on me as being the representative on my dads estate. Talked to them today and now the paperwork has shown back up. In all this has me in the rears on my payments by 5 months and threatening to foreclose on my house. Now they are saying I cangive them almost {$3000.00} plus lawyers fees to keep my house. My XXXX payments only come to about {$1300.00} which I have been trying to pay and catch up. If Nationstar ahd not screwed up my account like this I would not be behind in payment. The mortgage use to be with XXXX XXXX XXXX and they also lost the paperwork and tried doing the same thing. After my lawyer XXXX XXXX contacted XXXX XXXX XXXX about this matter and they corrected it. Nationstar has not tried in anyway to help all they want to do is take my house. My wife is on XXXX and me trying to do everything and now to try to come up with {$3000.00} to probably {$5000.00} to pay them is ridiculous. I am at my whits end and dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Settlement process and costs

Complaint: today while on a recorded line speaking to Wells Fargo Bank I spoke with a man named XXXX XXXX who continues to tell Consumer Financial Protection Bureau that they are assisting XXXX XXXX XXXX and family in investigations into the misconduct and financing of property without the knowledge of XXXX XXXX XXXX also at the same time they have told CFPB 60 days to assist with documentation they are not preparing as in ledgers audits on accounts funds produced and also liability claimed as beneficiary of these events. why would Wells Fargo Bank continue to tell Consumer Financial Protection Bureau they are assisting in the recovery of the home and property or the client and his rights when none of such is being done including helping with a forfeiture against current persons in the homes who acquired them for free illegally by XXXX XXXX XXXX who was put into power by Wells Fargo bank. we admitted to Wells Fargo bank that my brother might have been a part of the situation but still my brother is not the beneficiary of the property nor receiving payments for this property on any records that I can find, any proof of the transactions other than what was approved by XXXX XXXX XXXX has been requested. the longer this drags out the more time Wells Fargo Bank has to benefit off this as well as create more problems by for closing forfeiture and sales illegally of the property through the side title companies XXXX County title and XXXX County title all in Washington State and bonded by XXXX trustee services as independent state entity or private/state entity ( s ) funded and insured through Washington State. amateur izations were also requested last year around the same time when notification of the property have a non sufficient funds produced and XXXX XXXX XXXX being the payor of the Dead by and through wells Fargo the legal fraud and transacting wire fraud transfers of money pulling into XXXX right off XXXX to pay debts without his permission nor any rights given. specifically stated that this is out of Wells Fargo 's hands.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 10/20/2015 about Credit card () with CITIBANK, N.A. (CT).
Issue: Other fee

Complaint: I have had a Brooks Brothers credit card for a number of years. They recently switched card servicers from XXXX to Citi. I was leaving for XXXX on XXXX XXXX, 2015. I called Customer Service on XXXX XXXX to find out if there are are foreign currency transaction fees associated with the account. I was informed by the gentleman on the phone that there were none. I then told him to put a notation on my account to the effect that I 'll be using the card in XXXX for the next 4 days and it is not a fraudulent use. When I came back on Tuesday, XXXX XXXX there was voicemail on my home phone telling me to call Citi customer service or my charges would be denied. I called them despite that it was close to XXXX. The saga does n't end there. Upon checking my charges I found out that they are charging me 3 % for each foreign transaction. I called Customer service and explained but they referred me to the Card member agreement that lists foreign currency fees will be accessed against the account. 

1 ) Citi never sent me an updated card member agreement and it is not available online under my account. 
2 ) Citi provided me incorrect information when I called specifically to check if there were any foreign currency fees associated with the card. That was BEFORE I used the card overseas. 
3 ) Citi continued to try and reach me at my home number despite my call BEFORE leaving overseas and that I will be using the card overseas. 

Citi has refused to refund me the foreign currency transaction fees associated with my card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/30/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This was a case of identity fraud. Someone was using a stolen checkbook and my name for various things during this period. The person/persons were prosecuted. XXXX of them were caught at a bank cashing my checks, along with others. I did not file identity theft because I did not know until later and was too busy fixing my own life.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (WA).
Issue: Incorrect information on your report

Complaint: This complaint is in follow up to a previously filed complaint with the CFBP. The previous complaint number was XXXX and it will be attached to this complaint as a reference. 

In that complaint, Freedom Mortgage agreed to remove the 30 day late payment from my credit report. In their response, they indicated the following : " The payment received on XX/XX/XXXX was posted to unapplied funds in error and then applied as a payment on XX/XX/XXXX which caused the adverse credit reporting. We have corrected the credit reporting to show as current in the month of XX/XX/XXXXsince we received the payment in XXXX. '' After I received this response, I disputed the information on my credit report as well as my wife 's, citing the late payment was an error and that Freedom Mortgage agreed to remove the late payment. Shortly thereafter, Freedom Mortgage verified the 30 day late payment was accurate and indicated they would not remove the item from my credit report. This occurred after the initial complaint # XXXX was closed. I spoke with a representative of Freedom Mortgage on the phone and their response was " the information is reporting accurately '', and that if I had any issues, nobody at Freedom Mortgage can help me. He indicated to me I would need to hire an attorney to fix the problem. This answer is unacceptable. 

My concern is that Freedom Mortgage is telling the CFPB one thing and they are doing another. They are not following through with what they are telling the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Mortgage (FHA mortgage) with Servis One, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: A Notice of Error was sent to BSI Financial on XXXX/XXXX/2016 requesting proof of foreclosure loss mitigation notices and the notice for the final date for loss mitigation. A request for a loss mitigation review for the Making Home Affordable Program was sent to on XX/XX/2016. They still have a scheduled sale date for XXXX/XXXX/2016 without responding to the request for information or the loss mitigation review.

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 10/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The Trans Union is in violation of the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify the accounts in their 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 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My loan is with Navient. I have been reenrolled multiple times into forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX RAN MY TRANSUNION TWICE IN ERROR, WAS TO BE SOFT ONLY.

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 12/18/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I have banked with Bank of America for several years. Several months ago someone broke into my apartment and stole several identity documents and cards. I filed a police report. After the theft I noticed several unauthorized ACH debits from my Bank of America checking account. I notified Bank of America of the unauthorized ACH debits. This happened XXXX times. After noticing that my debit card was missing I went into a Bank of America branch and requested a new debit card and told the banker that my card had been lost/stolen. The banker did not close my old card and charges continued on that card. When I noticed the charges I called Bank of America and told them and demanded they close the old card and disputed the charges. A few days later my account was frozen by the XXXX XXXX an access to my accounts was restricted. During the holiday season when I need access to my money the most I have been locked out and can not access my funds due to no error of my own. My accounts were all in good standing all with positive balances. I had a Bank of America credit card that I never missed a payment on. Basically someone robbed me, stole my identity, I follow the advice of the Bank and reported it to the police and put a fraud alert on my credit profile and the Bank decided to punish me for it. Police report info : XXXX Police Department. Report 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