milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/31/2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Struggling to pay mortgage

Complaint: Good morning. 

I'm contacting you, in the hope that you'll assist me with my loan modification, with Bank of America. 

I began talking with them in on XX/XX/XXXX of last year. I fell behind on my payments, last year, as my mother was very sick and I had to care for her. I've submitted and resubmitted documents nearly a dozen times now - and, for the last two weeks, I've resubmitted the same information THREE times. My point of contact continues to tell me that this is what underwriting is requesting. 

It's clear that Bank of America is deliberately stalling this process. They're intentionally misguiding me. Misdirecting my efforts and straightforward lying to me. The single point of contact on my file - XXXX XXXX - has been of absolutely no assistance. I've also reached out to his manager, XXXX XXXX, and he barely gave us any more assistance then XXXX. 

XXXX This process should have been competed a month ago and t 's becoming an emotional and psychological burden to me. Boa had had all the documentation necessary to approve my modification and I have acted in good faith, fulfilling every request that they've made of me. I also have more than enough disposable income to support going back to making my payments and we need your help with this. 

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 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have informed Transunion that the Alabama XXXX XXXX Account do not belong to me. I have had a difficult time trying to get Transunion to remove this inaccurate or fraud item from my credit file. Please assist me in getting this account removed from 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 06/15/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Shellpoint Partners, LLC (MN).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX my mortgage was transferred from XXXX XXXX to Shellpoint Mortgage Servicing, my payment due date is the XXXX of the month. As is required of all new mortgage servicers, a 60 day legal grace period is granted to all new clients who have had their mortgage involuntarily transferred. <P/>Per this law, my mortgage payments would not be delinquent until after XX/XX/XXXX. In violation of this law, I received harassing phone calls from Shellpoint Mortgage Servicing before the month of XXXX was over, in fact : - On XX/XX/XXXX, I received harassing calls from Shellpoint claiming my loan was in default. 
- I also received a letter from Shellpoint datedXX/XX/XXXX ( attached ), stating that my loan is delinquent. <P/><P/>I know that is a term that applies to loans that have gone approximately 4 months without a payment. Even if I had not paid by XX/XX/XXXX, I would be delinquent, not in default, default would occur around XX/XX/XXXX. <P/>Shellpoint also reported my loan as being late to the credit agency, that is also illegal, again, all my payments are due and owing on XX/XX/XXXX, the legal grace period for a transferred mortgage. <P/>Shellpoint need to follow the law and rules of transferred mortgages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax has been reporting a collection account on my report from XXXX XXXX. There are XXXX accounts reporting with the SAME account number. As I dispute the derogatory account due to invalid information and no right to collect XXXX XXXX AND pulls the " bait and switch '' and places the dispute on the closed account with zero balance that was in good standing instead of the derogatory account that is not mine. I have disputed this account several times and each time Equifax updates the account on my report as valid but they have not provided me with any WRITTEN documentation on how they validated this debt and XXXX XXXX right to collect on this debt as this debt is not mine. The account I am referring to is listed as XXXX on my credit report. However, there are XXXX account with this account number being displayed. So when I dispute the derogatory one that is not mine Equifax/XXXX is not providing me any WRITTEN documentation on either account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
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 have been having lots of issues with EQUIFAX. First off they moved my file to the office of consumer affairs and blocked my online access to my credit report!!! I am a paying member of there credit watch SVC. They contiune to charge me even though i can not use it. I have called and sent in documents asking this to be cancelled and me not contiune to be billed. They are still chargeing me 3 months later!!! Call center overseas dose not seem to address this issue at all. Equifax needs to stop charging me and refund me for the past 3 months that they charged me for something i could not use!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Customer service / Customer relations

Complaint: My wife had her cards lost or stollen. We contacted the banks we do business with, all of them EXCEPT for XXXX were super helpful. 

Wells Fargo kept her on hold for over an hour and ultimately REFUSED to suspend the card. We then requested to cancel the account to prevent any unauthorized charges, they refused that also. We spoke with supervisors and other groups, nobody could assist.

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 12/27/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I 've send XXXX EUR to Coinbase through SEPA transfer on XX/XX/XXXX and today ( XX/XX/XXXX ) I still do n't see money in their system and their account 's page is not working ( just showing blue header ). I 've send support request, but no response, even no auto reply.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax states company has provided documentation of verification of debt. However i have proof the debt owed is XXXX balance through original creditor. Neither XXXX collection co or Equifax has provided me with verification of debt. Collection accounts have not only remained in my credit report inaccurately, but now previously removed collections from XXXX have reposted to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is using my credit report against me for a debt that was past due in 2006 and is now paid off it is to old to be on my credit Experian verifies the debt sure the have my ss # and address that does not mean they can report an old debt

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 05-05-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: on   XXXX   XXXX  2017    I first spoke with customer service person once again I was not read any mini  XXXX . He was extremely rude and argumentative. in the background I hear d two other  women speaking about another account when I finally asked for a supervisor. He kept saying that I filled out the paperwork wrong when I try to explain that they 've been corrected he wanted to continue to argue with me. When I asked a supervisor they gave me a team lead. I wanted to speak with supervisor I was on hold for abou t five min utes never received a supervisor said I would speak with somebody higher up than the supervisor still was not given that courtesy to speak with supervisor. Did agreed to speak with the team lead. I was asking about the discretionary income clause that President Obama set up for Student Loan 's and was totally ignored they were still basing things on gross income and poverty level which had nothing to do with what I was applying and for was not helpful with me at all that perhaps maybe I was even filling out the wrong repayment option and finally offered me the forbearance for a year. I felt I had no choice but to apply for forbearance I wanted to pay on my student loan and continue making payments When I read their response my first complaint nobody told me anything about my application being approved or was given y amount of {$150.00} and matter fact i was told it would be more than I was currently set up with because of some overtime. I could not afford present payment. There is so much inconsistency as to what they 're doing that I feel that my loans and not being handled incorrectly. They are not helping. I am strongly considering hiring an attorney for these actions that have been taken b y Nelnet. I happ en to have a medical condition that I could easily try to apply for  disability  and perhaps even receive full disability I choose to work, I choose to pay my student loan back but these people were n't interested in that at all What they have chosen is to charge me more interest on this loan while during this forbearance. Because they would not even go over different options with me on repayment and discuss discretionary income which is very different than gross income which t hey did not seem to understand. I have contacted now nelnet in the last six week s twice and I 've been treated very rudely, not helpful, not company doing there job. At this point I would prefer to only speak with the supervisor and when I mean supervisor I do not mean a team lead an account  manager  or customer service person. I am looking into hiring an attorney to file lawsuit against nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Someone hacked my kohls.com profile and made a purchase as if they were me. I reported fraud to kohls. It took them a month to finally take it off my bill. But until they took it off, my balance remained passed due and went into collections for a purchase I did not make. My credit report dropped because of this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: contacted experian in regards to incorrect information on my credit report. I received a letter today XXXX/XXXX/16 stating experian will not re-investigate the incorrect information for me. I have provided substantial information proving that these accts were never late. I am re-sending today copies again from the bank showing proof that my report is to be corrected. There are XXXX items on the report that are showing as negative ... ..I do not understand because under that it states paying as agreed but showing in potentially negative. These acct 's were never paid late and I have proof to show so. I am complaining because they ( experian ) sends me this letter stating they will not re-investigate for me.

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 03-08-2016 about Bank account or service (Checking account) with U.S. BANCORP (NM).
Issue: Using a debit or ATM card

Complaint: I have a checking account at US Bank. I went to XXXX XXXX XXXX XXXX XXXX, 2016. I used my debit card. After I returned to XXXX starting XXXX XXXX through XXXX XXXX, 2016 charges were made on my account in XXXX XXXX XXXX, and I also was penalized with NSF fees due to those withdraws.

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 11/15/2016 about Consumer Loan (Installment loan) with Acceptance Solutions Group, INC (OH).
Issue: Problems when you are unable to pay

Complaint: The online lender is charging 300 % interest rate on a simple loan. Which I pay back the lender 3x the amount I borrow

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a call from XXXX which belongs to a Portfolio Recovery collection agency. They left no message. When I checked my credit report this appears to be an old XXXX XXXX credit card through XXXX Bank? I believe that this paid in full through a third party years ago as I do not have an account with them now. I have not received any written notice of this attempt to collect this debt and I will request that they Cease and Desist any further collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NH).
Issue: Problems caused by my funds being low

Complaint: Td Bank is reorganizing debt transactions from highest amount to lowest, causing more overdraft fees. I have paid over {$3000.00} in less then XXXX years because of this. I am a single mom of XXXX, that makes enough to cover bills. however with what i pay in overdraft fees it has put me in a hole. i pay the fees, then ontop of that I have to pay for my bills putting me back into the hole. i get paid every XXXX weeks, in XXXX week i had to pay over {$630.00} because of how they processed the transactions, i only make {$690.00} every two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Credit card debt) with ABR Recovery Services LLC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am receiving conti8nuous phone calls from a company trying to coolloect a debt from XXXX which I do not believe is mine. I have repeatedly informed them it is not mine and continue to get phone calls threatening to taike legal action, sue me, or have me arrested. They have also reported it to my credit under ABR Recovery Services as a collection account being opened in XXXX, resultng i8n a drop in my crdit score and other creditors reducng my credit lines. I have disputed ths on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I graduated XXXX in 2014 and called XXXXAES who now services my private loans. I asked them for an estimate of what my payments would be in XXXX when they come do and they finally gave me an estimate. I asked how long the repayment term was and they would not tell me. I would like to know how long my terms of repayment are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2017 about Debt collection (I do not know) with Oracle Financial Group LLC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On today,   XXXX   XXXX   XXXX     I received a call at  XXXX  to my cell phone and  XXXX  to my work phone by someone stating they were  XXXX   XXXX   XXXX  He did not provide a company name or any information as to the nature of the call. He stated he had my name and SS # and I could reference number  XXXX . He stated that he had been " retained '' and my information has been " presented '' in his office. He threated to come to my residence or place of employment to " gather information ''. Since a company name or reason for the call was not provided, I searched for the  XXXX  number left in the message and it matched to  Oracle Financial Group LLP  ; a debt collection agency. At no point in the message was it stated that the call was in relation to an attempt to collect a debt and the call is originating from an " Unknown '' number. It should also be noted that I have not received anything in writing from this agency in regards to the nature of their business with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (OK).
Issue: Loan servicing, payments, escrow account

Complaint: Through a phone conversation today with NationStar ( XXXX/XXXX/2015 ) the representative was helping us with figuring out how to drop our PMI ; in which we met all the criteria ( particularly a perfect pay history ) except the XXXX equity ratio. In looking through our file, the representative brought it to our attention that we have been charged " corporate advances ''. When asked what those charges were for, she stated they were for " property inspections '' since they were unable to reach us. We have no record of them reaching out to us nor did we authorize a property inspection to be charged against our account especially when they should have no reason to believe the property is abandoned since they receive on time payment from us. The original loan is through XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I used the site - XXXX. After providing all the info, it stated that I already received my free credit report. However, I never have received one nor requested one.. **I got a letter from XXXX XXXX telling me the * Notice of Data Breach* so I was ordering my XXXX of XXXX free credit reports. ****Please check into this immediately. I did not order one before. Could this be connected to the fraud? ****thanks, **XXXX XXXX I tried calling the telephone line but no answer and i tried to submit the above problem and it would not accept my info - it stated that there is an error??????

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 02-01-2018 about Credit card or prepaid card (General-purpose prepaid card) with PAYPAL HOLDINGS INC. (CA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: Made transfers to this prepaid card and when I tried to use the card I was declined by " not authorized '' my access to the online/mobile app has been restricted and the company makes the funds on the account unaccessible to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company Midland Funding bought the debt, which is 4 years old from first delinquency, according to my credit report, from XXXX. Both Midland Funding and the original creditor are reporting this on my credit report to all XXXX bureaus. Because of the double reporting and the fact that Midland Funding is reporting an amount higher than the original debt of {$130.00}, I disputed the Midland Funding account with the Bureaus. Midland Funding verified the account with the bureaus and would not delete it. Verification, according to the bureau, consists of verifying my name and social security number. Prior to finding them on my Credit Report last month, I had not had any communication with this collection agency whatsoever. I have not received any letter or phone, they just showed up on my credit report. After I disputed and Midland Funding " verified '' and continued to report to the bureau, they have now also added dispute remarks to my credit report and began sending me letters. Perhaps I finally received a letter from them introducing themselves and attempting to collect the debt after the dispute I filed with the bureau. I no longer dispute the account and contacted them to state this and have them remove the remarks from my report. I have yet to hear back about this. I also disputed through the Bureau again, asking that they remove the remarks " account disputed by consumer '' from my credit report, since that statement is no longer accurate. They refuse to remove the remarks, continue to report the account to all XXXX bureaus and have begun collection attempts and sending me letters AFTER my initial dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company contacts me at least four times a day, from right at XXXX XXXX to right before XXXX XXXX. They call from several different numbers from Ohio to Florida. 

Today, XX/XX/18, alone they called from XXXX at XXXX XXXX., XXXX XXXX, XXXX XXXX and XXXX XXXX Yesterday they called from the Ohio number at XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX   I've already spoken to someone regarding my account a week ago so this is now harassment and illegal practices they are performing.

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