milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2017 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for assistance in saving my home. My servier Fay approved me however the offer they made was about {$500.00} more than my old mortgage payment. I hired an attorney to help me with the process and they submitted an appeal to my approval by mail to the address given on the approval letter. Upon following up with Fay Servicing they now state they did not get the appeal in the 30 day period. They also said it was mailed to the wrong address. My attorney has record it was mailed to the correct address. Also, it 's impossible to have mailed it to the wrong address as all the addresses on the approval letter are the same : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX - attn : appeals. It appears that it is more possible that Fay just sat on my appeal letter until after the appeal period had expired. The appeal was sent in writing and post marked before the deadline. It was received within the appeal period. Fay only accepts appeals by mail to avoid/evade having to review an appeal. I do n't believe their claim it was not received in the time period. I also do n't believe even if it had been a day or two late, that is n't a reason to just deny someone without looking at the situation. Fay Servicing investor bought this loan from XXXX. Their servicing contract according to my attorney came with strings that they could n't just take the home from the home owner without first trying to work something out. Fay is n't following that agreement. They offer a payment that is almost 50 % higher than my old payment, evade my appeal and now are now trying to foreclose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: the following accounts are not mine, please have these companies show proof that they are mine they all are on transunion ... ..1 ( TRANSUNION ) ... 1 # XXXX ACCOUNT # XXXX 2 # XXXX XXXX ACCOUNT # XXXX 3 # XXXX XXXX ACCOUNT # XXXX 4 # XXXX XXXX ACCOUNT # XXXX 5 # XXXX XXXX XXXX XXXX ACCOUNT # XXXX 6 # XXXX ACCOUNT # XXXX 7 # XXXX ACCOUNT # XXXX 8 # XXXX  ACCOUNT # XXXX 9 # XXXX XXXX ACCOUNT # XXXX 10 #  XXXX XXXX  ACCOUNT # XXXX 11 # XXXX ACCOUNT # XXXX 12 # XXXX ACCOUNT # XXXX 13 # XXXX XXXX ACCOUNT # XXXX 14 # XXXX ACCOUNT # 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 07-12-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian Credit Bureau reinserted a previously deleted collection on my credit report without my knowledge or without contacting me in any way. The reinserted collection account is : XXXX XXXX XXXX XXXX Account # 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 01-06-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Problems caused by my funds being low

Complaint: Bank of America understands I have not opted into the overdraft protection feature, yet they keep feeing me into the red, even after paying off a negative balance during hours. They simply ignore the deposit and roll the fee over, this has happened about 5-10 times to me in my lifetime. This is the 3rd report I 've made against them. They are currently doing it today, I 've been waiting to speak to a representative for about an hour now, with nothing more then a XXXX jingle and some computer lady reassuring me to stay on the line ... ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-06-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a phone call from Bank of America this morning letting me know that I had missed a payment ( about a week ago ) on a mortgage. Bank of America Variable Rate XXXX XXXX XXXX XXXX I said that I would log into BofA website and check the status and make a payment. They told me that PAST DUE payments are NOT displayed on the website, only future payments. Sure enough, when I logged on, I could see my NEXT payment due but not my current slightly late payment due. This is STUPID. How can I pay what is past due if the website will not show it to me. So I just paid and added {$100.00} or so to make sure it was covered. I then tried to find some way on the Bank of America website to send them a email or message to describe the problem. and I could not find any link to email or message them on line. This is STUPID. 

I might add that I missed a credit card payment by two days, and I made that payment today. But when I went to the Bank of America website it DID NOT show me the amount that was due, but it showed me the total due INCLUDING A PAYMENT NOT DUE FOR ANOTHER 25 days. STUPID STUPID STUPID. My credit card ending in XXXX Seems to be a pattern here, if I miss a payment on a credit card and log in, it shows me the total due included an accelerated amount for a payment not yet due. This is insipid.

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 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (VA).
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: In XX/XX/XXXX of last year, XXXX XXXX changed credit card issuers. They changed to a company by the name of Elan Financial Services. When this change occurred I was instructed to sign up with Elan and also include my monthly auto pay feature which automatically pays my bill at the end of each month. I went online and followed the instructions. A month and half later I received a late notice that I had not paid my bill. At the same time, I received a credit report showing that my credit score had dropped from XXXX to XXXX and it was because of this supposed late payment. I called the credit card company and explained that I signed up for automatic pay, but that there website must have caused the error because I had no doubt that I signed up for auto pay. They agreed to reverse the interest and penalty charges, but they also reported to the credit agency. I called Fidelity and they said there was nothing they could do. To continue this saga, I went to XXXX in XX/XX/XXXX for 4 days. While there I tried to log onto my Fidelity account. A noticed showed on the screen that by govt regulation, I could not access my Fidelity account while in XXXX. After I returned to the XXXX, I found out that all of my accounts were frozen by Fidelity. And of course my credit card bills could not be paid on time because all of my funds were frozen. I called Fidelity and they immediately unlocked my account, but once again this hurt my credit rating and caused a lot of problems. I do n't know if freezing my account was an action taken independently by Fidelity or was mandated by the U.S govt., but I want Fidelity to intervene with the credit reporting agencies and allow me to get the good credit rating I used to have before the credit card company and Fidelity destroyed it.

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 03/23/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Other

Complaint: Equifax and CapitalONE refuse to investigate XXXX hard inquiries that have a negative impact on my credit report. Each time I have disputed this incorrect information both agencies state these inquiries are a marketing inquiries and not hard inquiries as indicated on my credit report. I need CapitalONE to validate these hard inquiries or remove this incorrect information from my credit report. If this matter is not resolved through your assistance I will place this matter with the XXXX County Civil division for Judge to make a final decision.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Problem with fraud alerts or security freezes

Complaint: I 've notice  XXXX   XXXX  is associated with  XXXX    XXXX   XXXX  . The  XXXX   XXXX  stole my identity, by changing my date of birth on my   XXXX   credit report. My former employers have been changed from  XXXX   XXXX . All of my former addresses have been changed. Social Security have written me a query with all of my former employers ein # 's. They 've placed a seven year alert on my credit report & a monitoring service. Copies of my original mortgage was made with my signature. This is how they refinanced my mortgage with you &  XXXX    XXXX   XXXX   I used Attorney  XXXX   XXXX   XXXX  address to receive a copy of the invoice. The  XXXX   XXXX  is stealing my mail. I 've been under investigation by The FBI,  Secret Service &  The United States Attorney General  office  to learn what I now have knowledge of. They 've used my   XXXX    XXXX  child Power of Attorney to make these fraudgelant transactions. They filed my  XXXX  tax return using fraud information. My buy date was changed by the family to steal unemployment funds. Because my former employer  XXXX   XXXX  did not report taxes to  The Department of Labor.  My employee records was pulled also. The buy date was extended to  XX/XX/XXXX , it should have been  XX/XX/XXXX . They used Government funds to pay different mortgages with  XXXX    XXXX   XXXX  .  XXXX   XXXX    XXXX   XXXX   have also amended & restated all of my tax returns & made themselves my conservator. The company is a  XXXX . In  XXXX   XXXX   XXXX  used {$53000.00} of my employee owned senior preferred stock to sell my home. The  XXXX   XXXX  was in competition with  XXXX   XXXX  & they do n't know how the company is structered. They 've placed my life in jeopardy. The  Authorities  pulled my employee records from  XXXX   XXXX   XXXX    XXXX  . I 've been trying to notify all of my creditors. The  XXXX   XXXX   &   XXXX   XXXX  is trying to delete my history. I 've contacted  XXXX    XXXX   XXXX  . I would like to hear from you. The  XXXX   XXXX  had  XXXX    XXXX   XXXX   added to Bankruptcy court electronic data interchange in  XXXX . They changed the date of purchase to reflect  XX/XX/XXXX . That 's not true because I purchased the property that year with  XXXX   XXXX . They refinanced my home in  XXXX  & transmitted {$100000.00} to   XXXX   XXXX   from  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 02/22/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (NM).
Issue: Credit decision / Underwriting

Complaint: Due to XXXX, XXXX & loss of jobs we could not make our house payment. We had a loan with XXXX and a XXXX loan with XXXX XXXX ( {$25000.00} ). We talked to our realtor who said to do a shortsale. She listed in XX/XX/XXXX at {$85000.00} ( XXXX shortsales in the neighborhood ). We received {$120000.00} which the buyer agreed to. She waited a month then terminated because she found another house that was not in shortsale. The house went back on the market and we received an offer XX/XX/XXXX for {$120000.00}. On XXXX XXXX notified us that the servicing of our loan was being transferred to Bayview Loan Servicing LLC on XX/XX/XXXX. But then moved it back further to XXXX. So we could not do anything during that time. Since we have been working with Bayview we had XXXX different negotiators in 5 months. We have had a qualified buyer since XXXX who still wants the house. Bayview has had an investor who still to this day has not said yes or no to the loan ( XX/XX/XXXX ). This company has called and harassed us and more important has called and harassed our parents who have nothing to do with our loan. If they needed paperwork XXXX has everything they need. She has been working on this offer for 8 months along with our Realtor. XXXX had been calling our Realtor each week to make sure the house was in pending and still going through. On XXXX our Realtor went to check on the house and found a flyer on the window from XXXX saying they were going to board the house up and change the locks. Our Realtors sign was out front in plain sight and had a sign saying " contract pending '' along with a lockbox for agents to get in. She went to XXXX and tried to find out what was going on. She did have a loan officer call someone to notify them the house was in pending. Bottom line is we have had a qualified buyer for over 5 months and the offer is being sat on! They could have their money and we could sell the house.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (HI).
Issue: Unauthorized transactions/trans. issues

Complaint: The merchant put a {$50.00} hold on my card, as a deposit at a hotel. The card company made a mistake and held {$350.00}. The merchant and myself both told AmEx that this was a mistake but Amex isnt listening. Now my account is {$250.00} negative, despite that the hotel " forced the transaction '' and made it a charge of {$53.00}. Amex still isnt acknowledging the mistake or willing to fix it. The merchant even told them it was a mistake and tried to do everything they could to correct it but Amex refuses to make any corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (GA).
Issue: Trouble during payment process

Complaint: we had an insurance loss in  XXXX     2017 -- t he loss was over  30000 - - the process with  Selene Finance  to get the funds released from the insurance company have been a NIGHTMARE!! They keep changing their process, tell us to d o one thing an d then change it and its holding u p our contractor fro m being paid -- the banks inspector cleared the 100 % completion  3  weeks ago -- we have sent in every piece of paper and the checks and the last issue was the la st straw - - we called and ASKED about sending the depreciation check endorsed or not as I was reluctant to send an endorsed check thru the mail to them -- we were told to NOT endorse it -- and today we got a call that they had to send back for endorsement -- NONE of the checks have been released from them and this is seriously holding up payment for reimbursement to us and ou r contractor fo r completed repairs -- if my complaint should not be to CFPB then please advise to whom -- this is outrageous behavior and process on their part we pay for insurance to be used to take care of repairs and insurance company released funds " weeks '' ago ( over a month a nd 1/2 ) and  we are not seeing any funds paid out because they are holding them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Bb & T performed XXXX hard inquires on my credit. They kept processing my application without my consent, because they kept repeating misinformation. They processed my information for a credit card without my consent.

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 09-01-2017 about Debt collection (Medical debt) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I received a call from a girl at fidelity creditors in the beginning of XXXX to notify me of an unpaid debt that I had with XXXX. Every time she called I would be at work so I had her contact me at a certain time. When I spoke with her she was poverty passive aggressive, I gave my card number to my Medical Reimbursement Account and then proceeds to tell me that they do n't take that card and to give her another because she knows I have another one. I told her I did n't at the time cause I was waiting for my debit card to arrive and told her to call me in a week. Well she calls me three days later asking for their money, my cell service is n't the best in most areas and the call drops almost everywhere, as I 'm on the phone with her on XX/XX/XXXX around XXXX and the call drops and then she proceeds to leave me a voicemail saying how that was rude of me and disrespectful and I am very uneducated and basically borderline calling me stupid in Spanish. I blocked the number and the calls stopped of course until yesterday someone calls me unknown and it 's that lady so I tell her sorry she has the wrong number and she blows up on me again saying " oh so now I have the wrong number? But I did n't have the wrong number before? '' so I hang up. I called XXXX today and spoke to a rep asking them if I owed them any money that was past due and if I did I 'm sorry and I was willing to pay them directly. She tells me that I have no past due balances and I 'm up to date on my file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (PA).
Issue: Credit decision / Underwriting

Complaint: Shellpoint has denied my request to modify my mortgage claiming non receipt of requested documents, and also responded to a previous complaint to cfpb that I did not supply docs. Not true, all faxed and mailed multiple times. I refaxed and mailed XXXX pages yesterday again!. Included were multiple letters from them acknowledging receip of requested docs

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I called XXXX XXXX to remove XXXX XXXX ( my landline ) from my XXXX XXXX package, which includes Internet and HDTV services. The phone representative not only tried to charge me re-activation fees totaling {$70.00} to de-activate and re-activate my existing account but also pulled my credit report during the call without my permission as reported by Equifax. It was clearly an unauthorized and improper credit report pull in violation of the Fair Credit Reporting Act. I tried to obtain a transcript of the call, but XXXX reports that the call was not recorded. I have filed complaints directly with XXXX and the FCC as well.

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

Complaint: My complain is about my credit report information with experian.they have all my information swipe with my brother information like number of credits, loans, accounts.while other XXXX credit reporting companies have my correct information.when i call them ( experian ) they said there reporting unit is from XXXX, XXXX and they usually do this type of mistake and i need to pay for correction, customer services starting telling there packages.My concern is why should i need to pay for correcting my information on credit report ( my name, DOB, credit cards, loan ) if they have done mistakes I would like to mention that other XXXX credit reporting companies have my correct data.Now i have to apply for auto loan and this thing will problem until i correct its i want to request cfpb please a notice of this issue and help me to correct my information with experian .i have attached wrong credit report of experian. i will very thankful to you for your favor .Thanks for your 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 non-monetary relief
Consumer complaint received 09-11-2015 about Student loan (Non-federal student loan) with Performant Financial Corporation (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Performant Recovery Inc. is managing my defaulted loan from the Florida XXXX for the time that I attended Florida XXXX University in XXXX, Florida. I have paid them on time since 2008 through automatic deductions from XXXX of my bank accounts. My loan however is still listed as in default status today and I my principal amount has not decreased. Performant Recovery 's response is that I never signed the correct forms to allow them to begin a default rehabilitation program for the loan. Yet, I did sign papers for them to automatically deduct money from my bank account. Now I would like to enter into their rehabilitation program to remove the default status from my record, and move the loan back to Florida XXXX so that I will no longer have to pay collection costs and actually have an impact on deducting my principal loan amount. Performant Recovery Inc. however is unable to get this program started for me. In the last 3 months I have sent them official documents of my tax returns, pay stubs, all of my bills, drivers license, and they keep telling me that their " auditors '' need to determine if my documents support moving me into a rehab, or if the " auditors '' will raise my payments because clearly I make more money now. They have yet to send me in writing anything that determine how this audit process is driven or what I need to qualify for allowing the eight years of on time payment that I have sent them to contribute towards reducing my principal loan amount and removing the loan from default status. Every time I have spoken with them since XXXX of this year, they need more information for the audit process, meanwhile they are continuing to deduct {$110.00}. from my bank account through automatic payment monthly. 
Please investigate this process and let me know should I contact a lawyer to get my money back, and my payments credited towards my loan principal and removal of my default statusl

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation