milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 tried -- unsuccessfully -- to have inaccurate information removed from my Equifax CR. In XX/XX/XXXX, I filed for Chapter XXXX Bankruptcy. In XX/XX/XXXX, all debts were discharged. I did not reaffirm my mortgage with XXXX. I started checking my credit reports after ten ( 10 ) years to make sure there was no mention of a bankruptcy or accounts related to the bankruptcy. XXXX and XXXX no longer show a real estate account. However, Equifax shows an open and active account with a balance. I started disputing the errant information with Equifax and XXXX two ( 2 ) years ago, but to no avail. I have communicated via telephone, fax, and online. Equifax will remove the inaccurate information only to reinsert it a month later. The last time I disputed the inaccurate information ( XX/XX/XXXX ), it was removed. I just checked my credit report today and the account has been reinserted by Equifax as open and active. Also, XXXX recently sold/transferred the mortgage to XXXX. I have been unable to secure a new mortgage because it appears as though I am still under obligation to pay the prior one with  XXXX. It is obvious that Equifax, XXXX, and XXXX are violating the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. ( the FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (VA).
Issue: Taking out the loan or lease

Complaint: I paid off my car loan with Chase Bank and it reported it as Account Closed and my credit scores have gone down. I need this to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (MD).
Issue: Using a debit or ATM card

Complaint: Dear XXXX XXXX. 

I am writing to you in regards to unsatisfactory resolution on the above mentioned disputed item on my M & T Debit Card. 

On XXXX XXXX, 2016, I attempted to make a purchase with XXXX. The transaction was declined for insufficient funds ( copy of decline enclosed ). A few days later, when reviewing my account online, I noticed the charge had posted to my account. I immediately contacted your Call Center and filed a dispute against the charge. I was issued a conditional credit while the investigation was conducted. On XXXX XXXX, I received a letter from the Disputes Department asking for supporting documentation, which was provided and immediately returned. 

On XXXX XXXX, I received a letter advising the dispute and been reviewing and was placed in the favor of XXXX and the credit was reversed on XXXX XXXX. That same day I contacted your Customer Service Group XXXX to discuss the transaction. I first spoke to a Representative, XXXX and finally had to ask for a Supervisor, XXXX. XXXX advised they would work with XXXX from the " Back Office '' and for me to also contact XXXX, this call lasted for XXXX minutes. Following his instructions, I contacted XXXX at XXXX XXXX ) XXXX and spoke to XXXX, which was a Call Center in a XXXX Country. She indicated an Account Specialist would contact me to resolve my issue. I received, the enclosed form, which had no bearing on the purpose of my contact. 

On XXXX XXXX, I once again contacted your Call Center and spoke to XXXX, a Rep and then to XXXX, a Supervisor, and finally to XXXX another Supervisor. XXXX advised me that this case is closed with M & T and that there is nothing that the Bank can do to help me with this issue. As I have indicated to each person I spoke with, I received a decline letter and no merchandise was shipped to or signed for by me at my address. I work for XXXX XXXX, Monday through Friday from XXXX until XXXX and your Disputes Department indicated I signed for this package. I am a single person living in a single family Home. I have asked for that " signature '' to be compared to my Signature Card on file with the Bank, and no one wants to take ownership for this issue. I ca n't absorb this {$1100.00} and subsequent Overdraft Fees that have occurred. I work very hard for my money day in and day out and other transactions, Utilities and Insurance Premiums have been returned and OD Fees charged to me as a result. 

I spoke to a friend over the weekend that works for XXXX XXXX XXXX XXXX and she indicated that this could be returned to XXXX as a " Good Faith Collections '' item?!?! 

I am looking for your personal interaction to please help resolve this issue and plead for mercy. 

I have been charged XXXX indvidual NSF @ {$38.00} for this transaction

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/22/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit decision / Underwriting

Complaint: In XXXX of XXXX, I obtained a home loan refinance & a Home Equity loan with Countrywide Bank. The loan was subsequently purchased by Bank of America. Due to the inflated home values established by Countrywide, and the loss of my homes ' value along with a verifiable hardship I was granted a principle reduction as part of a Department of Justice mortgage Settlement in XXXX offered by Bank of America. This Department of Justice settlement afforded me an opportunity to bring my homes value in line with the correct fair market value rather than the inflated value originally established by Countrywide. However, remaining at issue is the Home Equity line of credit that was never settled by Bank of America via the Department of Justice for the amount of {$84000.00}. My specific complaint is that the Home Equity Line of Credit was granted to me by Countrywide using the same predatory lending techniques as the primary mortgage. The predatory lending techniques that Countrywide used included using an inflated home value as established by the appraisal company Countrywide owned, using stated income for me only and not both incomes from my husband & I, placing the home loan in only XXXX spouses name when both spouses qualifed and not to mention the bundling and selling of the primary loan and the home equity line of credit to investors. Based on the Department of Justice last settlement in XXXX reached with the XXXX major banks that includes Bank of America, I should be entitled to the provisions of this settlement that specifically addresses the extinguishment of Home equity lines of credit. However, I have been told to contact the mortgage servicer XXXX XXXX XXXX that Bank of Anerica transferred the HELOC loan to for a modification rather than an extinguishment of the loan. This Heloc loan should be extinguished & my credit rating restored. I am unable to obtain affordable credit due to the consistent detrimental negative reporting that XXXX Resolutions does on a regular basis. Bank of America will not assist me in getting this loan transferred back to them to settle fairly. I seek assistance in getting this loan transferred back to Bank of America to receive all of the settlement provisions for extinguishment of the Home Equity line of credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with New Hampshire Northeast Credit Services, Inc. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Northeast credit services is reporting a debt as a " paid collection '' even though The payment was made directly to the utility company, NH XXXX. They have been notified in writing XXXX via certified letter, and the tradeline has been disputed directly with the CRAs and it has been verified illegally as a " paid collection '' by Northeast Credit Services. Included is a copy of the check cashed by and written to NH XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I applied for XXXX loan forgiveness for the remainder of my federal loans, after working in a XXXX for XXXX full-time consecutive years. My application was denied because part of my loans, which were consolidated in XXXX, was from prior to XXXX XXXX, XXXX. Most of my loans are from after XXXX through XXXX. I do not think it is fair that I have met the qualifications, and I 'm being " punished '' by a denial, because part of my overall loan is from before XXXX XXXX, XXXX. Consolidation is not a part of the language of the law, and consolidation is a natural, financially savvy way to save money on loans and/or debt. Essentially, I was told that I 'm being denied because my loans are consolidated with whatever loan is left from prior to XXXX XXXX, XXXX. If I never consolidated, then, the loans from after XXXX XXXX, XXXX could be forgiven. I do not think this is fair, and also, it seems I have a valid argument here, because the law does now mention consolidated loans. Also, the new date on the overall loans is the consolidated date of XXXX/XXXX/XXXX, so why is that not the date of the loan forgiveness?

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: All XXXX credit reporting companies, experian, XXXX, XXXX ALL created a new credit history file for me when I changed my name. My SSN remained the same. I am a XXXX woman and I was having trouble getting credit after my transition. When I looked into it I found that all of the credit reporting companies had XXXX files for me. XXXX under my old name and XXXX under my current legal name. I am still in the process of getting this corrected, which means having them merge the XXXX files. They had instructed me to ask all of my old CC and bank loan companies to re-report the information with my corrected name. The ones that would, did but, it STILL did n't show up on my credit report. The merging of the XXXX files for each credit reporting company is where I am now. It has been a HUGE time consuming process. Many days worth of time spent on the phone to correct this issue which NEVER should have happened XXXX. XXXX they should have just started reporting my new name and new credit cards as part of my existing record based on my social security number. If I had an issue with it, XXXX. if someone else had this happen they would see it on their credit report and dispute it. So, why is n't this the default? Being a XXXX person in this society is hard enough. Why do we have to start our credit history all over when we are just trying to live as ourselves. I do n't think most XXXX people would go through the long wait times on the phone and the getting run around ... when they have XXXX records that should just get merged. If I had n't had credit monitoring from before my name change and after I do n't think I would have noticed what was going on ... well not as fast. ALSO, regardless if someone is a XXXX. If someone starts using another person 's SSN with whatever name they want, they can build a credit history. So, this is making it easy for someone to create a fake identity / life. 
Please see about getting the credit reporting companies policy changed with regards to SSN and names. 
Thank you. 
A XXXX year old XXXX woman with 12 years credit history from when I was a XXXX and 2 years as a XXXX. Once my files are merged I will finally all 14 years of credit history that I deserve.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2017 about Checking or savings account (Other banking product or service) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Every since I filed my complaint about my loan rate and closed my CD and checking accounts with Navy Federal Credit Union, I have not been able to gain mobile or online access to my remaining accounts. I contacted an agent via email and still have not been allowed access to my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I opened my account on XXXX/XXXX/XXXX. I received my first statement via USPS. The company issued an incentive for me to sign up for online statements only. I requested online statements. However, I could not access my statements online. I received notification that my statements were available on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX and XXXX/XXXX/XXXX. However, when attempting to access the statement online, I received a message that the statements were not available and to review information in the Account Transactions section of their website. On XXXX/XXXX/XXXX, the due date of the payment, I made a payment that posted to my account and was listed on their customer portal. On XXXX/XXXX/XXXX they charged me a {$25.00} late fee. 

I, fortunately, usually pay my bills before they are due. However, I know many that do not, and, wait until the last minute. I contacted customer service on XXXX/XXXX/XXXX at XXXX am. They first attempted to state that my payment was set up for XXXX/XXXX/XXXX. Which, I promptly copied the confirmation for my XXXX/XXXX/XXXX payment for settlement on XXXX/XXXX/XXXX to them. Then they said that it was a system error and that it would correct itself when the payment posted to my account. 

My complaint is that this may be a systemic issue to improperly assess and collect late fees. It seems like I receive erratic statement notifications, I constantly have to keep on top of when I spend money to check the site when payment may be due, and payments made and posted on time are not reflected properly by the creditor. 

I did a quick XXXX search and this is not only happening to me. I see several others discussing these same issues, but to a much greater extent.

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 12-01-2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Greetings I contacted the Hunter Warfield on XX/XX/XXXXin an attempt to just settle it quickly because I was attempting to buy a car and was made aware that there was a collection placed on my credit report that I had no knowledge of. The dealership told me that they may allow me to just pay a portion to get it removed quickly to proceed with the car buying process. That was not the case as they did not respond. 

On XXXX I requested a validation of the debt because I 1. Never received a bill stating that I owed anything from my former apartment. My keys were turned in at their request and we were moved out on time without any charges accessed. 2. I did not understand how they could place an unknown debt on my credit report without notifying me. 

On XX/XX/XXXX I received a letter stating they did not have that information available to verify the debt and they needed more time. I have disputed it through XXXX and they responded by saying they have the right to collect. 

No one is telling me why i never received a bill, what exactly I am being charged for, and how it is allowed to remain on my credit report even though they do not have the information available to verify what I owe and why.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There was confusion on why a collection agency reporting to my credit report that I had an account in default as I had no knowledge of any account of the sort and the location of the collection agency was in a state that seemed like it was not related to me either. Anyhow I opened an inspection into the collection agency through the cfpb which allowed for the collection agency to look further into my case and they found that I had indeed not been notified by the hospital of what was a special deductible/co-pay for a XXXX. I did n't realize that this deductible was separate from my normal medical deductible which had already been covered for the year from a separate XXXX. As a result of this reinvestigation on the Collection Agency 's Part explained to me what the charges were and why I had not been informed about them. They also offered me a " one-time special offer, '' as they put it, this offer as they explained would remove any mention of the account going to the collection agency from my credit files and it would resolve in full all claims by the hospital in question. They said that they would be willing to discount the amount that I would need to pay by XXXX %. I took them up on their offer and their word that it would not appear on my credit report. It now appears on my credit report as settled legally for less than the full amount and it has it under the collection agency 's name as the creditor claiming this fact.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred on XXXX XXXX from one servicing company to another. However, my house was sold and the closing is scheduled for XXXX XXXX with the title company. This scheduling was done several weeks ago without any prior knowledge of the impending loan transfer. I received the letter of transfer on XXXX XXXX and when I contacted both servicers to receive a payoff statement, neither of them are able to provide it to me. The previous servicer says that the loan is already transferred and they do not have a way to send me a payoff statement anymore. The new servicer says that the loan boarding process is not complete and until it is in their system, they can not provide me with payoff statement or anything else related to the loan. 
Without this payoff statement, I will neither be able to close the sale of my current home on XXXX XXXX, nor close of the new home I am moving into which is scheduled for XXXX XXXX. This results in penalties on both contracts, as well additional charges related to change of schedule for movers, furniture delivery arrangements, utilities and various other logistics involved in moving from one house to another, not to mention the immense stress this is causing me. 
I feel that, as a consumer, I should n't have to suffer or deal with consequences that are a result of a loan servicing transfer between XXXX banks.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Mortgage (Conventional fixed mortgage) with Statebridge Company (PA).
Issue: Loan servicing, payments, escrow account

Complaint: This is my third complaint about Statebridge Company, LLC. This complaint addresses an escrow check they claim they sent me. In XX/XX/XXXX I stopped receiving my monthly mortgage statements. I continued to make my monthly payment every month, however, and requested in writing and on the phone for a statement. Finally in XX/XX/XXXX I received a statement. In XX/XX/XXXX I received a statement that read NO PAYMENT DUE. I called and was informed that in XXXX my mortgage payment was lowered. I did not know this because I never received a statement and no one told me when I called the office. I called to find out what happened and was told that an escrow analysis was done and that my payment was reduced but that the escrow would stay intact. I made no payment in XXXX because no payment was due. In XXXX I paid the reduced payment of {$520.00}. In XX/XX/XXXX I received an escrow analysis and my payment has skyrocketed to {$900.00}! When I called for an explanation I was told that they stopped escrowing my taxes, even though I was assured in XXXX that the escrow of {$96.00} included taxes and insurance. I filed a new complaint yesterday with your company : XXXX. Upon doing so I discovered that my original complaint, XXXX had been answered. I do n't have a computer and waited patiently for something in writing and never received a response. Under the old complaint Statebridge stated that they did an escrow analysis and lowered my payment to {$520.00} and mailed me a check in the amount of {$3200.00}!! I never received a check from them! On top of that, I do not know where the extra money I sent in my mortgage payments from XX/XX/XXXX to XX/XX/XXXX went, It was to go to escrow but obviously they did n't correctly apply it. I can not make a payment of {$900.00}. I live on XXXX and escrow my taxes because I do n't have a saving nor do I have a way to come up with large sums of cash. Statebridge told me to buy more affordable housing, even though they have obviously totally screwed up my account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BB&T CORPORATION (NC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On XXXX XXXX, 2016 I enlisted the help of XXXX XXXX XXXX to help me get out of debt. I have a loan with BB & T that was at the time {$2300.00}. The proposal was that BB & T drop my interest rate to 5 % and my payments to be {$50.00} a month. Since XX/XX/XXXX, BB & T has taken my payments claimed numerous times that they have never gotten the proposal. I 've also been charged late fees and finance charges even though they 've been paid in full and on time. I 've been trying for months now to get BB & T to work with me, but all they will tell my third party company is that they are n't receiving any notification from either party which is absurd. According to my third party company, my loan amount should reflect {$2200.00}. It does not. With all the charges the loan is {$2200.00}. I rather BB & T reject my offer than play dumb and claim no one has heard anything about the issue. Since XX/XX/XXXX I 've been charge a {$10.00} late fee 3 times and a finance charge of {$32.00}, {$37.00}, {$32.00}, {$34.00}, and {$36.00}. How can they expect me to pay off my loan if I keep being wrongfully charged and ignored? I 'm paying them and yet they want to send me to collections, wo n't stop calling me daily to the point I 've had to block the number. Meanwhile my credit score is plummeting.

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