milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-06-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is currently thru XXXX Mortgage XXXX and they were assisting me with a re-fi at a lower interest rate ; however, they determined during the re-fi process that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was listed as lienholder for my double -wide manufactured home. XXXX XXXX XXXX is a bank that failed many years back and at that time, Bank of America ( BOA ) was assigned my mortgage and BOA never reassigned and listed themselves as lienholder. Several years later, BOA transferred my mortgage to XXXX Mortgage XXXX and there again, BOA failed to release themselves as lienholder and assign XXXX Mortgage XXXX as the NEW lienholder. Since XXXX XXXX is no longer in business, I have been dealing with BOA since the beginning of XXXX and to date, no one with BOA has moved forward in helping release this lien so that I can move forward with my re-fi. XXXX XXXX XXXX and BOA have both failed to do what they should have done many years ago each time the loan was sold/transferred. In dealing with BOA, I have spoken with several different employees -- no one wanted to help until I finally reached XXXX XXXX. However, as of yesterday, XXXX told me that her and her supervisor were training to leave their current dept and go to another dept within BOA leaving me there again on a dead end road with no resolution in sight. XXXX would not refer me to anyone else except her supervisor which is the leaving the dept. herself. I was told by XXXX today that Mortgage Electronic Registered Services ( MERS ) is listed on the Title commitment along with XXXX XXXX that I can contact them at XXXX and when I did, it did indeed show the new service provider as XXXX Mortgage XXXX of my mortgage. However, BOA could not understand the fact that my XXXX titles ( double-wide home ) at the Alabama Department XXXX XXXX in XXXX, Alabama is still showing XXXX XXXX as lienholder and as long as XXXX XXXX is listed as lienholder, I WILL NEVER BE ABLE TO REFINANCE OR EVEN SELL MY HOME IN THE NEAR FUTURE. I have hit obstacles with BOA from day XXXX with no one ever accomplishing anything because they feel like they are not obligated to release the lien to XXXX. XXXX is no longer in business. Therefore, BOA should be the XXXX to release the lien to XXXX Mortgage XXXX since they assumed the mortgage of XXXX, the failed bank. If I wanted to sell today, it would be impossible -- thank goodness at this time, I am just trying to refinance. Therefore, I would greatly appreciate a quick resolution to this situation since I have received no assistance or help from BOA in remedying this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed the validity and the account status of a XXXX XXXX account several times with XXXX, Equifax and XXXX. XXXX completed a thorough investigation and found multiple discrepancies, which lead to the account to being deleted /removed. Very happy with XXXX. However, Equifax completed an inadequate investigation and only sent me a result that stated account verified/closed, charge off. They did not VALIDATE the account was mine. They could not provide an open date or payment history ( both of which I requested ), account info, nothing! Also, Equifax still reports the account open. Even though the account closed XX/XX/2009 and Equifax 's own investigative results determined that the account was closed, yet they still report as " open '' status with XXXX missed payments. Factually inaccurate reporting and inaccurate investigation. The same can be said for XXXX. I filed XXXX separate disputes with XXXX regarding this XXXX XXXX account, and I have yet to receive any type of correspondence from them. I have obtained new credit reports from each of the mentioned bureaus as recently as XXXX XXXX, and the XXXX account is still reporting factually inaccurate ( with exception to XXXX ), and I strongly feel that XXXX and Equifax have not met their lawful obligation to complete a full investigation into my disputes, nor have they complied with any of my requests to complete a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Delinquent account

Complaint: Bank of America has an old debt of mine that they charged off. They will not allow me to settle this debt at this point because they wrote it off as a loss but they are continually, on a monthly basis, reporting this debt to the credit bureaus as a " late payment '' every single month. Their lack of regard for consumer credit reporting laws is stopping me from cleaning up the wreckage of my past and even more worrisome is making it impossible to get a home loan.

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 Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Account opening, closing, or management

Complaint: Twice in three days, my entire online account with Bank of America has been locked due to " the number of attempts to sign in exceeded the number allowed. '' However, none of these attempts were made by me. Each time, I received an e-mail from Bank of America saying that if these attempts were not me, I should call the XXXX number provided in the e-mail immediately. Upon calling the XXXX number, I was told by Bank of America that there was nothing to worry about, and I should just simply reset my password. I told Bank of America that I am worried because someone of something is trying to access my banking information. Additionally, I think Bank of America is also concerned ( or at least should be ) because I was sent an e-mail from Bank of America saying " Your security is important to us. If you are not aware of this situation, please contact us immediately at XXXX. '' I went on to tell Bank of America that if my security was indeed important to you, then help me understand more information about who or what is trying to access my most private of banking information. Unfortunately, Bank of America again just informed me that I had nothing to worry about, and that I should simply reset my password and move on. I again pressed Bank of America for additional information. I said you clearly know that there were attempts to log into my account that were not me, so you have additional information, and I would like that information. If you ca n't provide me with any information, can you put me on the phone with someone, maybe a supervisor, who can. Again, Bank of America simply told me not to worry and move on. In XXXX cases, I then asked Bank of America to notate my account that I was extremely concerned that someone or something was trying to get information about my banking, including a mortgage, checking account, savings account, and credit card, and I would request that a supervisor call me back within 24 hours. In XXXX cases, Bank of America told me that they notated the account, and that a supervisor would call me back. I have yet to hear from a supervisor, or anyone from Bank of America for that matter.

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 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: XXXX   XXXX  requested my score from  XXXX  bureaus. The reporting agency was Equifax.   Equifax  XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  reported a  XXXX   Score  of  XXXX  I pay Experian for my monthly score, they reported  XXXX   XXXX   XXXX   XXXX  reported  XXXX  Why is it that when I request a loan, the scores are significantly lower than the scores that are made available to me otherwise?

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Other debt) with FIRST CITIZENS BANCSHARES, INC. (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: The company,   XXXX   XXXX   XXXX   XXXX   XXXX  , claimed that I originally owed approximately {$200.00} for an overdrawn bank account balance at   XXXX   XXXX   in Colorado, but he 's asking for {$810.00}. I had never done business with this bank and told them so. They were very aggressive and have called several times this week threatening to sue me if I do n't pay by the end of the week. They said they talked to me in 2014 about the debt, which I do not believe happened. He called me a liar, threatened to sue me via another company in Colorado. I called the bank and they had no records of what he was talking about.
When I told him the bank said I never had an account and that I intended to call a government agency he got angry. Then he said I owed the money to a bank in Wisconsin. He said it was the same bank, but I called that bank too and it is now not even called   XXXX   XXXX  . I checked my credit reports and the debt is not listed anywhere. They were incredibly aggressive and insulting. He re-read me " notes '' of previous conversations which were inaccurate. When I said I wanted proof they emailed me an editable word document on which my name is n't even spelled correctly. I strongly believe this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been disputing this account for 6 months with XXXX XXXX, Transunion, XXXX and XXXX. This account still remains. 

XXXX XXXX XXXX Last reported : XX/XX/2018 {$410.00}

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 12-04-2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Experian keeps putting Fraud Alerts on my file when I did not ask them to. They are saying that I am disputing information in my file which is not True. I have challenged the inaccuracies in my report and have asked them to supply physical verification of each negative item per section XXXX or to remove the items. They refuse to do so. Instead they keep putting fraud alerts on my file to avoid obeying the law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (AZ).
Issue: Problems when you are unable to pay

Complaint: I, consumer, attempted to settle this debt with this original creditor by sending a settlement agreement on XXXX/XXXX/15 ( certified letter no. XXXX XXXX XXXX XXXX XXXX ). Consumer is seriously considering filing bankruptcy if debts can not be settled and removed from consumer 's credit reports. Consumer has not received a written response as of the date of this complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (Payday loan) with Allied Collection Services, Inc. (Nevada) (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a payday loan with a lender, XXXX. They are tribal entity. It was a {$200.00} loan. On 2 separate occasions ( 1 I recorded and will attach ), I asked XXXX XXXX to take out the full amount owed on my next pay date. They did not do so either time, only taking out a finance fee. I noticed they were doing this so that they can continue to take out only the finance fee well past the amount I actually owed. As a result, I contacted XXXX and told them I considered the account paid in full and I closed my checking account. 

Apparently, XXXX has now sent this account to collections, Allied Collection Services in XXXX XXXX. This company has submitted negative entries onto my credit reports stating I still owe XXXX XXXX and it 's absolutely not true. Not to mention the fact they are reporting a trade line for a TRIBAL payday loan, which is illegal. XXXX violates Louisiana 's usury rates for payday loans.

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with S&N Debt Solutions, LLC (AL).
Issue: Unexpected or other fees

Complaint: I began work with S & N Debt Solutions to work on settling three credit card accounts that I was not financially able to clear on my own. Two with XXXX were settled successfully. The last account was negotiated with XXXX XXXX from an original balance of {$6000.00} to a settlement of {$3000.00} with payments to begin in XXXX of XXXX and to end in XXXX of XXXX. Payments were directly debited from my checking account each month. Payments were successfully debited from my account each month with the exception of XXXX XXXX. My account did not have sufficient funds for that payment, and the payment was never recouped by S & N. I received a letter from XXXX XXXX dated XXXX XXXX, XXXX that my account had been sold to a collection agency, XXXX XXXX XXXX. Upon receiving the letter, I contacted both XXXX XXXX and S & N on XXXX XXXX, XXXX. I was told by XXXX XXXX that the settlement offer was canceled after three returned payments, in XXXX of XXXX, XXXX and XXXX of XXXX. The agent told me that the notation on the payments was " not authorized '' which indicated the payments were likely canceled by the third party debt agency since it would otherwise show " insufficient funds. '' After calling S & N, I was initially told that the settlement offer with XXXX XXXX was canceled after a returned payment from XXXX and that notes indicated a negotiator was attempting to re-work the offer. Upon being transferred to a supervisor, I was told that XXXX XXXX had actually cancelled the offer after the missed XXXX payment which I acknowledge was missed. However, that is contradictory to what XXXX XXXX tells me, and I was never notified by S & N about the settlement being canceled so I could attempt to remedy the situation. Acccording to my balance history in the account set up for settlement payments, my balance was {$210.00} at the time the XXXX XXXX payment of {$10.00} was made to XXXX XXXX. In addition, the balance on XXXX XXXX, XXXX was {$240.00}, but a payment was not made to XXXX XXXX. S & N refused to send me documentation of contact attempts made to XXXX XXXX on my behalf to make that payment. While there was not a balance in the account to make the XXXX payment, I do not understand why the XXXX or the XXXX payment would have been rejected and/or not paid. I have paid {$660.00} in settlement fees and monthly fees to S & N on this account which has now been turned over to collection for {$5100.00}. I have already paid {$970.00} toward the settlement and would have only owed {$2000.00} if the payments had been made by S & N as expected. I am now faced with a 7 year blemish on my credit file along with a balance that is over {$3000.00} more than I would have paid otherwise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-02-2016 about Debt collection (Credit card) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Springleaf Lending decided discriminately to raise our monthly payment to an amount that we ca n't afford. When contacted the only justification given by their customer service manager was that we would not be able to pay off the balance in full in a reasonable time. I say they did this discriminately because their customer service manager acknowledged that Springleaf offers a reduction in interest rate assistance to other customers, and that even though this raise in payment had nothing to do with our credit rating ( which has improved over the last two years ) and it fell outside the original terms of the loan, they were doing it anyway because it was in our best interest. How can it be done in our best interest if we are struggling to make the lower payment as it is? We incurred this debt and are trying our best to pay it off but we are encountering predatory lending by Springleaf who knows that we ca n't meet the new payment while racking up finance charges and penalties, as well as discriminating against us by not offering us the same terms in a reduced interest rate they are admittedly giving to other customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/14/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: I have been working with XXXX XXXX for a loan modification. On Friday XX/XX/XXXX, they advised the all documents were received and the foreclosure sale date was on hold. Today, i received a call from Mr. Cooper to advise that I have a foreclosure sale date scheduled for tomorrow XX/XX/XXXX and they are requesting the exact information that was sent in XX/XX/XXXX and that was confirmed received by them. XXXX with Mr. Cooper,  was able to confirm that she has in fact received the documents. She advised that she was going to have the file escalated to let them know they have received the documents and request that the sale date be postponed, but there was no guarantee that the sale date would be stopped. At this point, i just need your assistance as i do not want to lose my home. I am elderly have no where else to go. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Debt collection (I do not know) with General Business Recoveries, Inc. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have a debt collector that has called my place of business, and threatened to call my HR department to get inforamtion about me. It is against my company policy for these typoes of calls to happen. I told her to not to call my p [ lace of business again, and hung up. She continues to harass me and I need for this to stop..

Company response to consumer: Untimely response
Consumer complaint received 08-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX. Final payment was paid on XXXX XXXX, 2014. Equipment was returned and the collector said that the charges were for " services '' and that the account was n't actually closed until XXXX 2014. We moved in XX/XX/XXXX to a new address. We also have XXXX XXXX currently so I 'm confused how we got service here and yet some collector has this as a debt?

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (Medical) with RMB, Inc. (LA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My sensitive info was shared w ith 3rd party. HIPPA VIOLATION

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (I do not know) with Security Credit Services, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: 32 days ago I mailed Security Credit Services a notarized debt validation letter for an account which is on my credit report. Based on certified mail tracking information from the United States Postal Service this letter was delivered and left with an individual. 32 days have passed, and Security Credit Services has neglected to respond to my debt validation letter. In addition, Security Credit Services forwarded this account to the credit bureaus without first notifying me of the account and my right to dispute the debt within 30 days. Security Credit services has violated two laws outlined by the FDCPA and this account remains on my credit report unlawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I do n't have any loans with Navient and they keep sending letters and are putting negative information on my credit report. I have never signed anything or agreed to anything with Navient and every time I dispute them on my report or through a credit repair agency they keep saying my debt is accurate. I do n't have anything to do with them though. They have no paperwork or anything with my name or signature on it. Not sure why they wo n't leave me alone and now they are sending letters that I do n't want or need. These people are relentless and not in a good way.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I owe for a past due utility bill from XXXX. I received a notice XXXX XXXX that I owe {$90.00}. I responded back XXXX XXXX disputing amount, I needed proof. ( I currently have the same company providing my electric service ) XXXX XXXX I received proof of the outstanding balance. I called the utility company several times over a 2-3 week period, finally received confirmation that the balance exists. XXXX XXXX I called and spoke to XXXX XXXX because his company has already added this as a collection to my credit report. I want to pay the past due amount in full and want the negative collection removed from my credit report like other collection companies do according to the FairCredit Reporting Act. I did not have enough time to validate the debt owed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Credit reporting () with BARCLAYS BANK DELAWARE (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Barclaycard has been aware that a fraudulent account was opened with them using my information and they have not used any information I have provided to stop reporting this item on my credit report or unlink it from my information and actually investigate it. I 've attached a copy of the identity theft affadavit I have sent to them numerous times.

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