milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BBVA COMPASS FINANCIAL CORPORATION (CO).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: We filed a XXXX back in XXXX or XXXX and did NOT have our XXXX or our XXXX mortgages included in the XXXX. The lawyer never sent us anything to let us know that we were going to re-affirm our mortgages, stay in the house and keep our payments on time, which we have. NEITHER XXXX XXXX XXXX # XXXX or Compass Bank ending in XXXX have been reporting our payments as being on time since then. Our credit scores have suffered because of this and prevented us from getting the lower interest rates on car loans, credit cards, etc. We did some research on the XXXX and found out that he got his licensed suspended at the time because of numerous complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: I received a call last night from XXXX XXXX, XXXX XXXX XXXX XXXX ext. XXXX a Bank of America representative. She stated that she was here to help me and that she works closely with the risk department. She also stated that she received my complaint from CFPB and wanted to address my concerns. So I asked XXXX questions, 1. Why are you guys holding my check until XXXX XXXX when it was drawn on a Bank of America account? 2. Why is my account being closed. The rep could not answer either question. She kept stating to allow her 15 days to review my account and she will get back to me as she had not researched my account as of now. I stated well what was the purpose of you contacting me if you did n't know what was going on. I advised that she should have researched and then reached out to me. She then stated that she knew why my account was being closed and kept stating well you signed the signatures cards and because of that Bank of America does not have to disclose this information to you. I asked if they were going to cover my late fee that I occurred because of this and she kept saying give her 15 days to review my account. I advised that I do not have 15 days to wait and had I known this, I would have simply cashed the check and paid the fee that they charge for not being an account holder and I would not be going through this nightmare. These people at the risk closure department XXXX XXXX XXXX XXXX Option XXXX feel as though they can do whatever they want to the consumers and nothing will happen to them and that they do not have to tell the consumer anything and they do not have to give the consumers their fund within the time frame disclosed in the disclosure form but yet want to mention the disclosure form when it is against the consumer. I need my money and I want them to cover my late fee.

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 06/23/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A credit repair company I hired disputed an account that should not have been disputed. The creditor placed a comment on my report stating consumer disputes this account on all of my credit reports. I have contacted the creditor several times stating that I do not dispute the account and the will not remove the comment. I have also tried going through the XXXX. The creditor still refuses to remove the dispute language - and I have stated several times in writing that I do not dispute this account. The dispute language is incorrect. I told a representative that I do not dispute - that the dispute was incorrectly filed by a credit repair company. The representative told me " too bad '' and that they will leave the language on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Credit decision / Underwriting

Complaint: Have written you folks before about the incompetence, uncaring, and indifference of Bank of America and the charade they refer to as " customer service ''. Been trying to arrange a short sale of property financed by BOA in Virginia for the past several months. At one time, actually had a bonafide offer. Our loan # is XXXX. 
The most recent agent assigned our tentative sale is XXXX XXXX, XXXX, ext. XXXX. She sent us a ltr regarding same on XXXX XXXX, XX/XX/XXXX Attempts to contact her have failed. Prior to her supposed assignment, we were told to call or contact : XXXX XXXX, XXXX ( ext. XXXX ) ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; etc., etc., etc. 
Needless to say I have left msgs when possible at the above phone numbers. Our realtor, XXXX XXXX has had similar luck. I have even tried actually walking into a BOA branch office and speaking with a gentleman dressed in a coat and tie and seated at a desk to ask his help. I was told ( albeit politely ) " he knew nothing about mortgages ''. 
If I 'm not mistaken, in XXXX when the real estate market crashed badly in a number of states ( including XXXX where we had recently purchased a home ), BOA was XXXX of the institutions that received federal financial help and assistance. ( My wife and I did n't receive any such help and truthfully, did n't expect any. ) XXXX. At present, we 're not sure if said " short sale '' offer still exists. We do know our realtor is trying hard. We 've never had an offer before in over five years. XXXX would think when and if such an offer surfaced that BOA would take aggressive and immediate action to close the deal. But, now we 're in the XXXX century and everything is different. Glad I 'm old. 
So, I 'll continue to try and make phone calls to BOA and sadly continue to make mortgage payments.

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 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: lexis nexus is report an address and five claims that dont belong to me i never lived in ohio or had an ohio address these claims are not mind they said to contact the insurers and i did and they told me to contact lexus nexus i have a fl license never had an ohio one

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage They took over our loan in 2015. Immediately started calling and saying we were late on our payments. At this point they are reporting that we are 3 months behind but we have proof of payments. They sent us to research department, but could only contact through uploading documents. They said that their research is correct and we are late. They keep offering ( through letters ) to do a loan reset. When we actually talk to someone they deny it. They keep offering to assist us to get our loan up to date, but deny all options. They keep sending us letters of foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a home, paid down the loan caught Ocwen putting Principle monies towards payment XXXX times, I moved, and rented the house out, I took out Landlord insurance with XXXX XXXX. Claim # XXXX The renters vandalized the house and XXXX gave me XXXX for damages. The check was put into my name and XXXX. I sent the signed check with all their required Docs. they received it on XXXX XXXX 2015. In their letters they say how my fist draw will be in 7-10 days, today is the XXXX, ,I called and got the run around. First I was told they did n't get the check, then they did n't get the paperwork, it was all in the same package, then I was told, '' oh we see we got the check, but we need the paperwork '' ... I told them it was all in the same package ... ..Then it was " oh lets see if we can find it '', I 'm getting the royal run around with these folks, holding up the construction and selling of this property but I 'm still making Insurance and mortgage payments on a house no one can live in!

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (I do not know) with Receivables Management Partners, LLC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Obtained a credit report and after noticing XXXX collection agencies reporting me for an alleged debt I sent a validation of debt letter requesting more information and proof of the alleged debt. I have received NOTHING. I need to know or they must remove this item that is negatively effecting my credit score.

Company response to consumer: Closed
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: after trying to receive a loan through XXXX XXXX loan i was told that there was a security freeze on my equifax file, i proceeded to contact equifax where they asked for me to fax over a copy of my social and my drivers license. After having done that i called them back a few days later and was told that everything was clear. I tried getting the loan again and i was faced with the same issue again that there is a freeze on my credit file. I contacted equifax again and this time i was told that i dont even have a credit file with them. So if i dont have a credit file then what freeze was removed??? contacted my banks and credit cards and was notified that my credit is being reported to equifax. proceeded to make 3 calls and talk to 4 different supervisors at equifax and still no luck i was told that i need to contact my banks again and wait 90 days for it to process.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (IL).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened my BBVA checking account on XX/XX/2017 to take advantage of an online offer the bank was promoting. The promotion details can be found below. I met all the requirements and contacted the bank via their secure messaging system. Each time, they tell me to visit a branch, however this was not part of the promotion and there are no branches near me.

You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus.

Eligible accounts include BBVA Compass ClearChoice Interest Checking, BBVA Compass ClearChoice Free Checking, Clearconnect Checking, and Easy Checking.

Eligible accounts for residents of AL, AZ, CA, CO, FL, NM, TX include BBVA Compass ClearChoice Free Checking, BBVA Compass ClearChoice Interest Checking, ClearConnect Checking, and Easy Checking.

Only BBVA Compass ClearChoice Interest Checking and ClearConnect Checking are eligible accounts for residents of all other states.

Offer is valid for accounts opened in branch, online, or by phone Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.

The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited.

All bank account bonuses are treated as income/interest and as such you have to pay taxes on them.

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has unintentionally released my credit information. I am on the potential list of victims who 's information was compromised in a hack. 

In addition, when offering service to further protect me from fraud, Equifax has hidden language in the EULA agreement that I can not sue personally or join a class action against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Enova International, Inc. (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: I APPLY FOR INTERNET PAYDAY LOAN ONLINE THROUGH NET CREDIT ON XX/XX/XXXX. FOR THE AMOUNT OF XXXX. AND MY INTEREST RATE WAS 247 PERCENT. THEY WOULD BE DEBITING MY CHECKING ACCOUNT EACH MONTH FOR XXXX EACH MONTH. I MADE MY LAST PAYMENT ON XX/XX/XXXX I COULDN T AFFORD TO PAY IT BECAUSE OF THE HIGH INTEREST RATE THAT THEY WERE CHARGING ME. THIS ACCOUNT APPEAR ON MY XXXX CREDIT REPORT ON XX/XX/XXXX AND IT WAS SHOWING 120 DAYS LATE IN XX/XX/XXXX AND 150 DAYS LATE IN XX/XX/XXXX. STARTING IN XX/XX/XXXXIT SHOWED 180 DAYS LATE FROM XX/XX/XXXX ALL THE WAY TO 180 DAYS LATE TILL XX/XX/XXXX. WHY WOULD IT SHOWED THAT FOR 28 MONTHS THAT IS XX/XX/XXXX TILL XX/XX/XXXX. I FILE FOR BANKRUPTCY ON XX/XX/XXXX WHICH THIS ACCOUNT WAS DISCHARGE UNDER MY BANKRUPTCY ON XX/XX/XXXX. THE VIRGINIA FEDERAL COURT XXXX DOCKET NUMBER IS XXXX. I CONTACTED XXXX XXXX XXXX XXXX IN REGARDS TO XXXX XXXX ON THE CREDIT REPORTING ON WHY WOULD THEY HAVE MY CREDIT REPORT ON HAVING SO MANY 180 DAYS LATENESS AND I WAS INFORMED THAT THEY ARE NOT LICENSE IN VIRGINIA FOR INTERNET PAYDAY LOANS. I EXPLAIN THAT I TOOK OUT A LOAN IN XX/XX/XXXX AND WAS AGAIN I WAS TOLD THAT ARE NOT LICENSE IN THE STATE OF VIRGINIA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Services was contracted with XXXX XXXX and has been contracted with XXXX XXXX for approximately 14 years when recently ( last 1 1/2 years ) and is currently still under contract, the contracted provider started charging excessive fees, interrupted services, billed for services not contracted, failed to render services as contracted, and closed the account without authorization or consideration for number portability. Failed to respond to FCC complaints. ( FCC Complaint # ( s ) : XXXX, XXXX, XXXX, XXXX ) Requesting for consumer, XXXX XXXX XXXX to pay to terminate contract and services not provided and/or billed. Will attach additional information pertaining to payments and services. This is the second collection agency obtained by XXXX and I have not been provided the services I contracted since XXXX XXXX, 2016. 

This letter from XXXX XXXX references a home-based internet line : ( XXXX ) XXXX that was not further contracted after XXXX XXXX, 2016 when the contract ended. It was under the same account number ( XXXX ) as the voice ( talk, text, and data ) line reported : ( XXXX ) XXXX to the FCC after the line was disconnected on XXXX XXXX, 2016. ( XXXX ) XXXX is still contracted. I have not agreed to terminate my contract ( will not be paying an early termination fee of {$140.00} ) for this line and XXXX does not have this line connected for use as anyone that attempts to contact this number can understand when calling this number. This is the third attempt to collect on a XXXX bill in which services have not been rendered. I will not be paying for non-contracted services, services not rendered under this account or for not having service. You have been paid all you are due. 

XXXX XXXX has solicited multiple companies to collect on a debt not contracted, owed, or due and all have ceased collection activity on their behalf and notified both the consumer and the CFPB that collections have been ceased. XXXX has been the most recent company to cease collection on behalf of XXXX XXXX concerning this matter. Now on this attempt, XXXX has changed the number in specifics as to what the collection is indicated for ; indicating a contract for internet that was not renewed on XXXX XXXX, 2016 due to no longer needing it.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Chase Card for XXXX This company sent me a card two years ago. I called and told them I have never applied for their card. They closed it right then. However, for the past two years every couple of months, I get a hit on my credit reports that Chase applied for credit in my name over and over. 

I call them and they tell me they will always deny credit due to the problem with the first issue of getting the card, and not to worry. 

However, nothing is being done to stop the credit runs every couple of months from this company. 

I have fraud alert on myself, but it is n't helping. XXXX  suggested I file a complaint. 

I am at my wits end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I spoke with a representative from United States Senator XXXX office regarding credit errors on my credit report. I was informed by Senator XXXX 's representative that they spoke to Equifax representatives and they would review my credit report immediately and remove the unauthorized and fraudulent accounts listed on my Equifax credit report because the accounts do not belong to me. Review the letter from Senator XXXX 's office attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have tried over 10 times to get my XXXX score directly from Equifax, and their system has refused to release my XXXX score. I tried to call for help over 6 times and they say nothing is wrong but I still can not get my XXXX score. Originally they stated I had a mismatched name but I sent them documentation on XX/XX/2017 showing my proper name and they updated it. I believe the hyphen in my last name is causing a problem with their system. My hypenated name on my credit report does n't match my non-hyphenated name on my Equifax profile. But the Equifax profile does not allow hyphenated last names but their credit report allows hyphenated names. This creates a mismatch that prevents me from getting my score. I have been bounced around to different departments and no one is helping me. The error code shown on my XXXX failed orders is Eval Code : - Status Code : XXXX Reason Code : XXXX but no Equifax agents knows what it means. I also tried to purchase the XXXX score from a different source ( XXXX ) and they can not get my Equifax report data. Equifax is not releasing my credit report. My refinance is closing in a few days and this is jeopardizing my loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
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 had issues with XXXX for several years. They were mandated to remove payment histories from my bankruptcy XXXX from XXXX/XXXX/XXXX back to XXXX and still state they dropped the ball and these have n't been removed from my credit report. Only XXXX acct. They refuse to remove the XXXX student lian that was discharged.

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 08/25/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (RI).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: In preparation for a mortgage, I requested a schedule of payments- how much I owe on each due date going forward on the loan. They told me they were unable to provide me with this information, as it depended on how much I paid each month. My amount due has n't changed in months, and I pay the same, consistent amount. They were able to tell me approximately what my loan schedule would be, but could n't send something in writing. They said they would mail us their policy stating why they could n't provide a payment schedule, but never did. XXXX First, they wanted us to go online to request the policy be sent. I told them that, since I had them on the phone, I would like to request it now. )

Company response to consumer: Closed with explanation