milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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 to contact XXXX, to dispute an account, in which ; the statutes of limitations have already expired. XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

XXXX Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: After closing my mortgage account with Chase Bank they have shorted me on my disbursement check. I had XXXX conversations with Chase representatives prior to my closing date of XXXX/XXXX/XXXX to confirm the amount that I would be receiving after my account was closed. This amount would include overpayment of my escrow account and overpayment of my mortgage payoff. I made my final payment on XXXX/XXXX/XXXX ( due date was XXXX/XXXX/XXXX ). The payoff quote was dated for XXXX/XXXX/XXXX so with my account being closed on XXXX/XXXX/XXXX ( the day following closing ) I paid on the account for 15 days that I did not own the home. Chase is refusing to reimburse me for these days although I was told twice prior by XXXX different Chase representatives. Also there was an issue with my escrow account in which Chase withdrew funds to pay my property taxes on XXXX/XXXX/XXXX. Chase states that my property taxes were paid at that time when in actuality they were not paid until XXXX/XXXX/XXXX. This created issues in receiving my overpayment of escrow disbursement. These funds which are mine were no where to be found for 25 days. I assume that they were in some account or stock drawing interest of sort for Chase. I have been taken advantage of by a large bank and I 'm sure several others have been as well.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Struggling to pay mortgage

Complaint: The Borrower is in Chapter XXXX Bankruptcy. The Order for Loss Mitigation was XX/XX/XXXX.
The loss mitigation application was submitted to Nationstar on XX/XX/XXXX.
The borrower was denied on XX/XX/XXXX without sending the paperwork through the XXXX XXXX XXXX per the Bankruptcy Court Order and Nationstar did not provide any of the guidelines or explanation of underwriting requirements that prevented the loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: An auto loan with XXXX XXXX XXXX which is correctly shown on my Credit Report as paid in full in 2005 is carried on my Credit Report as an open account. That makes no sense so I would like it deleted from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TIDEWATER FINANCE COMPANY, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I received an alert from XXXX on XXXX XXXX, XXXX that XXXX XXXX XXXX has reported that I now owed them {$17000.00}. I was confused. I quickly contacted XXXX XXXX XXXX customer service and ask them what is the current amount I owe on the loan. The customer service rep advise that I only owe {$2500.00}. I told her that they had reported to XXXX that I owed $ XXXX. She was well there is nothing we can do about that you will need to file a complaint. I was like that does't make sense there is no other department that I can talk to about the error. She said no. She told me to file a complaint. So that is what I am doing.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Avid Acceptance, LLC (OR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: AVID ACCEPTANCE LLC XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Checked my credit for a car XX/XX/2017, I do not recall requesting this credit check nor did i authorize any person or business to do so. This hurt my credit and is an unfair hit on my credit. I tried to call said company and got a disconnected call three times when i called to esquire of this.

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 12-02-2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (FL).
Issue: Taking out the loan or lease

Complaint: This is a follow up on complaint # XXXX since I have received a reply from the XXXX Dept. at the XXXX that I am attaching to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with AMERICAN INTERNET MORTGAGE (CO).
Issue: Settlement process and costs

Complaint: AimLoan.com used a bad tax estimate when closing my loan and owes me money back from my escrow account. However, they will not correct the problem and have not been timely responding to the RESPA Notice of Error that I have sent them. I have paid the principal and interest, but they will not apply it to my account and are charging me late fees for the whole amount when only the escrow is in dispute. What good is RESPA if the lender/servicer can continue to act in bad faith and punish the consumer at will. Even after the mortgage fiasco that caused the recent recession, the consumer is always left holding the bag and the lenders can do whatever they like with impunity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CA).
Issue: Managing the loan or lease

Complaint: XXXX XXXX contact XXXX Westlake Financial account number XXXX The loan was paid off and should of been closed wrongful made a payment to them after loan was paid off and they have not given the money back I have had a law write a demand letter months after the incident happened and still no money I am out {$500.00} and it 's been 5 months I made the payment to westlake call over and over talked to my bank XXXX and they said they could n't help because it was trough my the online bank as a wire transfer I told westlake for the first month they said they did no get the payment I should documentation and they said they would send it. Months later I get a lawyer to write the letter they tell him they sent me the money but nothing

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/17/2017 about Checking or savings account (Savings account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: as of XX/XX/XXXX i opened a saving account at compass bank. 
as of yesterday ( XX/XX/XXXX ) i was sent a notice the my savings account was over draft. 
i went to the to ask about this notice and found out that, the bank was charging me a transfer fee twice a month for this service. 
they told me they could only rein burst me {$30.00} for my troubles and I 'm at fault for let this happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: i disputed this file on XXXX/XXXX/XXXX on XXXX/XXXX/XXXX the file was deleted XXXX was the original creditor.. On XXXX XXXX i requested a copy of my credit report i noticed a company call XXXX after doing some research this is the same account that was deleted on XXXX/XXXX/XXXX i have supporting documents to my claim also that i never open an account with XXXX on 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 12-06-2015 about Debt collection (Payday loan) with MNE Services, Inc (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: COLLECTIONS KEPT CALLING MY CELL AFTER SENDING CEASE AND DESIST. THEY CALLED XXXX TIMES IN VIOLATION OF TCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MT).
Issue: Managing the loan or lease

Complaint: We obtained a loan thru One Main Financial and paid on the {$5000.00} loan for 2 years with an interest rate of 35.99 %. After 2 years of making payments ( on time ) we went in to the institution with {$4500.00}, hoping to pay it off in full. They would not except the payoff because they said our payoff was more than what we took the loan out for. At that time we did n't realize The interest rate was that high because when we took out the loan everything was signed with an electronic signature and we were unable to see any paperwork or details actually stating the interest rate. We were desperate for the money and feel we were lied to and taken advantage of by One Main Finamcial.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (Non-federal student loan) with Cedars Business Services, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Cedar Financial has a debt reported on my XXXX credit report that I dont recognized nor have I ever sent notification regarding this debt. I understood this is related to a student loan but I have never attended school in the USA hence there is no way I can owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Account opening, closing, or management

Complaint: Starting on XXXX XXXX, Circle Gold Checking Accounts at Citizens Bank no longer allowed 6 foreign ATM transaction fees per month. The only way that I found out about the change was that the fees showed up in the online banking system. I complained to them about the change without notice and they pointed me to the memo section of the XXXX 2016 statement which is only visible if you know to go looking for it. It was not on any other statement or sent as a message in the online banking system, so there was no way to assure that people were aware of this change which would impact them, I consider it a bait and switch. With the push for paperless statements, which you have to pay otherwise, a dedicated message should be sent to people through the online system in the months leading up to a change that will cost the account holder money.

Company response to consumer: Closed
Consumer complaint received 08/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Contacted bank of america customer service via 1800 number on the back of my card on XXXX/XXXX/2017. was advised the transfer of funds from my credit card to my checking account would be effective within 2-5 business days. Time frame was not met, funds have still not been received. Called today at XXXX EST and spoke with a supervisor named XXXX, who advised me this would be available and fixed within no later than 2 days. Still seeking resolution and investigation. A refund was issued from a merchant, after my credit card statement was paid in full. Now my credit card has a credit of XXXX dollar balance, Which makes it difficult to use my credit card because my balance will be negative, meaning bank of america owes me money, and that will not reflect positively on my credit usage and credit utilization towards my credit score.

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 10/26/2015 about Bank account or service (Checking account) with U.S. BANCORP (AZ).
Issue: Deposits and withdrawals

Complaint: I had to transfer money into my US Bank Account for a loan I amclosing with the Bank in XXXX 2015. 
I was charged a wire fee of {$16.00} for this on my checking accountand I have asked for this to be reversed. 
US Bank is refusing to do it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XXXX XXXX, I sent a letter to ask for verification of payments on an account. To my surprise US Dept of Education and Fed Loan re-added the account to my XXXX file and didnt notify me. According to the FCRA if anything is added onto my report I have to be notified within 5 days. They reported it twice on my XXXX and one was added without notice. The payments are all over the place and there is incorrect information being reported. I 've asked the Bureaus to verify and all I get are letters back saying they wont reinvestigate. The burden to provide verification is on them not me. Its my right as a consumer to have the proper information reported on my report. If the Agencies do n't investigate, they have taken my right away as a consumer. The only resolution is that these accounts are deleted off of all three Bureaus immediately. This has been nothing but a burden to my family and I. I do n't owe them anything. I just want it deleted. Its not reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Debt collection (Credit card) with Innovative Credit Solutions (PA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have no clue who these people are they just appeared on my credit report as collection. I have never received any kind of documentation from them, I got their address off my credit report sent a letter asking for validation but never received it. I do get phone calls about once a week from an automated caller telling me he will be serving me with papers at either my residence or place of employment but nobody has ever showed up at either place. I want this removed from my credit because all of my accounts have been in good standing for last 8 years.

Company response to consumer: Closed
Consumer complaint received 09-07-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My Experian report dated XXXX/XXXX/2016 reflects XXXX recent inquiries for credit facilities for which I DID NOT apply : XXXX, XXXX, and XXXX on XXXX/XXXX/16 and XXXX on XXXX/XXXX/16. I suspect identity theft and have put fraud alerts on my credit reports with each of the XXXX agencies. In the meantime, these inquiries need to be removed from my report as they were fraudulent.

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 08/20/2016 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: It is unacceptable that BoA sent this XXXX XXXX person a letter containing my personal business when I do not know this person, the first time I have even seen this letter was in BoA 's last response, and I have never given BoA any permission to send anything to anyone but myself. You contacted a third party without my permission and this is the final straw. I also want to add that BoA has said nothing of the XXXX XXXX case regarding filing a XXXX and expecting someone to pay them back after forcing them to file this as income overruling what the IRS says, and I would also like to point out that BoA will not release the recordings because they prove my point. Also, if there was no other account with my name on it then tell me why I have a statement from this account, and I also like how you only added statements up until I was married, again skating around the issue that I am right. My lawyer for the XXXX case was XXXX XXXX of the XXXX XXXX and not the XXXX guy.

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
Consumer complaint received 10/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: HI, today XX/XX/XXXX I wrote a complaint about XX/XX/XXXX I am looking forward to a response. I must continue to write because I know CFPB and I will get some results. My student loans belong to my children I am the cosigner. these loans were used at XXXX for XXXX my dau in XX/XX/XXXXand at XXXX in XX/XX/XXXX for my dau XXXX. There is a 3rd connected to me but disbursed to my nephew XXXX XXXX in XX/XX/XXXX for XXXX, I never ever agreed to or signed for the loan ; of course it was an esignature ; I am currently filing fraud charges on this loan. Here is another problem the loan for XXXX is in wage garnishment with a third party XXXX as of XX/XX/XXXX monthly in the amount of {$660.00}, but this loan is also included in a consolidation that I will repay starting XX/XX/XXXX monthly in the amount of XXXX, I think or in the area. I have talked to Navient and FAFSA they do n't help because they are unwilling. I sincerely await a response. Thank you for your!

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing/Cancelling account

Complaint: I used to have a secured card with Bk Of America who balance is XXXX and was supposed to be closed and still showing on all XXXX credits reports.

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 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: These are errors:XXXX XXXX, Opened XX/XX/XXXX XXXX XXXX XXXX, Opened XX/XX/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 08/26/2015 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I filed a TILA complaint in Fl. state court in XX/XX/XXXX. 
Case XXXX in the Fl. XXXX Circuit. 
GMAC [ non lender or creditor responded without evidence to do so. 
Attached is what OCWEN is trying to do AFTER the XX/XX/XXXX Consent Order.I have tried to get someone from your office to do an XXXX XXXX. XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with HSBC NORTH AMERICA HOLDINGS INC. (MA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I received an offer in the mail from HSBC  XXXX   XXXX  for balance transfers at 0 % interest for 12 months with {$0.00} transfer fee. I used  XXXX  of the checks to pay another credit card in  XXXX . On  XXXX   XXXX , transfer was processed by HSBC, transaction reversed on  XXXX   XXXX . I received no notification ( mail or e-mail ). When I called to inquire where the balance transfer was in the process, they directed me to security to answer some questions, this was supposed to release the balance transfer but did not. For four months and many calls they were unable to process the balance transfer without a fee, finally a manager processed the transfer and refunded the fee in  XXXX   XXXX . But now HSBC failed to honor the 12 months at 0 % and would only provide the offered rate until  XXXX   XXXX . After repeated calls in  XXXX ,  XXXX  and  XXXX  they were unable to extend to honor the 12 month offer.   The end result is I was offered 12 months at 0 % with {$0.00} transfer fee, after a tremendous amount of effort on my part, they provided 8 months. Institutional incompetence is no excuse for false advertising and fraudulent behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/17/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX XXXX XXXX of XXXX, XXXX, Tx ... XXXX XXXX aka Navient..the most popular student loan company ... they are HORRIBLE. They take your payment and apply it to whatever they want, not to the loan YOU want it to be applied to. Your loan may be for {$2000.00}, but in year, will be over {$3000.00} because they do not apply the payments correctly. Your {$200.00} payment is going on XXXX different loans but you think it 's going towards that {$2000.00} loan. This is how interest grows and so does the amount of your loan. The people you call and talk to on the phone ... worthless.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: " Here are the facts, according to Equifax. The breach lasted from mid-XX/XX/XXXX through XX/XX/XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. '' Equifax waited almost 3 full months before letting consumers know about potential identity theft. I do n't have a choice on whether or not they collect my information, so it needs to be protected

Company response to consumer: Closed with explanation