milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: Dear Bank of America I received response to complaint XXXX The response is confusing and raised more questions Bank of America response mixed XXXX different loans and properties that are not related except by my name, mailing address, phone etc.- which raised more questions XXXX XXXX, XXXX Declaration by XXXX XXXX Here are the questions XXXX XXXX signed XXXX XXXX, XXXX Declaration of Diligence to reach me- How did XXXX XXXX try to reach me? 
Bank of America has confirmed based on response I had XXXX loans with Bank of America - with same name, address, phone number I was talking to Bank of America every other day to complete modification in which I was told my XXXX assigned representative would be responsible for completing both home loans modifications - when the new provisions were put in place to modify second home mortgage XXXX XXXX - at no time tried to reach me - my mailing address, and phone number is the same to this current date. 
XXXX XXXX - should have been able to contact my modification representative whom also worked for Bank of America Regarding XXXX XXXX Letter XXXX XXXX, XXXX the letter states the foreclosure was XXXX XXXX, XXXX - XXXX XXXX sent XXXX XXXX XXXX, XXXX XXXX I wrote back to XXXX XXXX and explained the XXXX from XXXX XXXX was not in envelope XXXX XXXX wrote back and stated XXXX XXXX did not acknowledging XXXX XXXX, XXXX foreclosure XXXX only XXXX XXXX, XXXX - XXXX with no explanation- stated DO NOT SEND ANY MORE QUESTIONS Bank of America - you attached XXXX - XXXX and XXXX- XXXX - where are the XXXX ? same as XXXX XXXX and did not attach neither XXXX 's. XXXX XXXX states foreclosure XXXX from XXXX XXXX and XXXX XXXX - and XXXX XXXX would not explain why there are XXXX XXXX. 
My question to Bank of America is why are there XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX XXXX Explain and attach XXXX 's with next response The Fair Debt Collection Practice Act does not support deceit, trickery, misrepresentation etc.

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 02/16/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Deposits and withdrawals

Complaint: I was the victim of identity theft. On XXXX XXXX I noticed an unauthorized XXXX pending withdrawal from my wells fargo checking account to an account at XXXX XXXX. I requested this transfer be stopped on XXXX XXXX. Wells fargo denied my request to stop this illegal transferred allowed it to occur on XXXX XXXX. After contacting the XXXX, NJ police Wells fargo did request a return of my money from XXXX XXXX on XXXX XXXX. Since wells fargo could not guarantee the safety of my money I transferred most of my accounts to another bank. I did leave in enough money to cover my monthly automatic withdrawals as it would take time to notify all my accounts. Wells Fargo placed a hold on my newly formed account and would not allow bill payment until I spoke with a supervisor, XXXX, in fraud protection. Wells Fargo also sent my new checks and ATM card via postal service and I still do n't have then as of XXXX XXXX. Also every single day since the XXXX XXXX the Wells Fargo online system locks my account access so I ca n't verify any activity without contacting customer service and the fraud department to unlock and reset my password. If Only Wells Fargo would have been as diligent in stopping transactions before the fraud, none of this may have occurred.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Opened a few investigations in negative credit reporting of ninety days late. Response from loan servicer only responds stating " information reported was accurate, borrower did not request forbearance until XXXX XXXX, 2017 ' This in absolutely NO WAY provides a response to the information presented. I understand that forbearance was not requested until XX/XX/XXXX because I had no clue that I was in repayment until XX/XX/XXXX. The statements were being sent to the XXXX University email address that I no longer had access to. Not being properly notified of a statement, especially when the repayment first begins is a valid reason for correction with all XXXX credit bureaus. I could not have put my account on e-statements because I just created an account with XXXX XXXX in XX/XX/XXXX. The issue is that if I had been made aware of the repayment start in a manner accessible to me, I would never have needed forbearance. Continuing to deny and stating the information is accurate is not providing a response to the issue that caused the problem and the agency refuses to correct their mistake.

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 11/25/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Application processing delay

Complaint: Sometime in XXXX of 2015 I was approved for a Capital One Secured credit card requiring a deposit due within 80 days ( XXXX/XXXX/2015 ). I contacted Capital One on XXXX and processed the payment for the deposit ( {$200.00} ) and was advised it would take approximately 2-3 weeks to received my card. After a couple of business days, I realized the funds had n't been deducted from my account and I proactively reach out to Capital One on XXXX to understand the delay. I was advised the payment was n't processed due to some error. I was asked if I wanted to reprocess the payment but I wanted to be sure it would still be considered on-time as it was past the 80 day timeframe. The representative assured me it would be and so I authorized the payment from a different checking account. The funds were deducted from my account on the XXXX. On XXXX, I called to ensure funds had been received and that my application is being processed. To my surprise I was told as payment was received on the XXXX, beyond the 80 day timeframe, my funds were going to be refunded to me and it would take 10 business days. I requested to speak to a supervisor, who reviewed the account and acknowledge the company error and provided me with XXXX options, 1. submit a new application ( another credit inquiry impacting my credit ) and hopefully funds would be applied towards that application or wait until approximately the XXXX to be refunded. Both unsatisfactory options. I explain again that it was company error to no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: They told it was verified and it could never be verified because I did not file bankruptcy XX/XX/XXXX I filed XX/XX/XXXX my ex finance we were not married filed XX/XX/XXXX and we had a lot of debt that together but that needs to be removed at once I finally re established my credit only to have this put on and it 's effecting me getting a mortgage or a home or car please help me all other request to credit agency 's went on deaf ears

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Loan through XXXX mortgage was sold to XXXX and then re-aged on my Equifax credit report. The account was included in chapter XXXX bankruptcy on XX/XX/2009 were it was already delinquent several months. The account has never been brought current. I have disputed several times. The date of first delinquency will change but never to the correct date. I have disputed directly through the debit collector with no response. I have attached copies of my bankruptcy with account listed. This issue is causing great distress when trying to rebuild my credit. I have been perfect on all accounts for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: ONCE AGAIN I COMPLAIN. I AM SURE YOU WILL DO NOTHING ABOUT MY COMPLAINT! YOU ARE MY GOVERNMENT AND YOU DO NOT PROTECT ME FROM CHASE BANK THE MOST SCANDALOUS BANK THERE IS. EIGHT YEARS OF LIES, DECEIT, THEFT, COMPLETE INCOMPETENCE, AND RECKLESS HANDLING OF MY FINANCIAL AFFAIRS.CHASE HAS TRIED TO GET ME TO COMMIT PUGERY BY ASKING ME TO SIGN DOCUMENTS ON A MODIFICATION THEY TOLD ME I QUALIFIED FOR.THEY ILLEGALLY FORECLOSED ON MY PROPERTY IN 2010. I HAVE SPENT {$37000.00} IN LEGAL FEES FIGHTING THEM. THEY TOOK MY PROPERTY BUT HAD TO RETURN IT DUE TO THEIR NEGLIGENCE. BUT BEFORE THEY DID, WHILE I WAS IN THE REDEMPTION PERIOD OF THE ILLEGAL FORECLOSURE, THEY BROKE INTO MY PROPERTY AND DID {$2500.00} WORTH OF DAMAGE, CUT MY UTILITIES OFF, CANCELLED MY UTILITIES. ALL ILLEGALLY. AND YOU STAND BY AND DO NOTHING. NOW I AM BACK TO SQUARE ONE. I MUST ACCORDING TO THEM SEND AN APPLICATION AND MORE PAPERWORK. IVE DONE THIS AT LEAST SEVEN TIMES. IT IS A SHAME OBAMA OPENED YOUR OFFICE TO HELP PEOPLE BUT YOU DO NOTHING. I WANT TO BE CONTACTED DIRECTLY BY YOU AND BY XXXX XXXX TO FIX THE NIGHTMARE THEY HAVE CREATED FOR ME. LIARS AND CHEATS. THEY HAVE DESTROYED MY EXCELLENT CREDIT RATING OF XXXX. IT NEVER ENDS. I JUST KEEP HAVING TO DEAL WITH XXXX EMPLOYEES OF CHASE BANK.WHO DO NOT FIX ANYTHING.FILE THESE COMPLAINTS WITH YOU AND LIKE I SAID YOU DO NOTHING.THE ONLY REASON I GOT BEHIND IS THEY TOLD ME I HAD TO BE BEHIND IN ORDER TO GET THE MODIFICATIONS. I HAD NEVER BEEN LATE WITH ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On  X/XX/2017    FED LOAN was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment. FED LOAN never responded to my letter. FED LOAN was stating that I owe  XXXX . After the letter was sent, I checked my credit report on  XXXX   XXXX ,    2017 and t he balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today  XX/XX/2017   F ED LOAN jumped the loan amount back to {$50000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Application, originator, mortgage broker

Complaint: Nationstar Mortgage sends very misleading, confusing, and manipulative emails and letters. Here 's one example with the subject line : " Fed likely to raise interest rates, CNN Reports. '' This type of email can scare people into making poor financial decisions. Here is the text of the mail : CNN Money XX/XX/2017 " Get ready for higher interest rates. '' " XXXX stressed that the U.S. economy is doing pretty well and has 'continued to make progress. ' She called the U.S. job market strong and said prices are moving up at a faster pace. '' " 'At our upcoming meetings, the committee will evaluate whether employment and inflation are continuing to evolve in line with these expectations, in which case a further adjustment of the federal funds rate would likely be appropriate, ' XXXX said. '' XXXX READ THE FULL ARTICLE AT : XXXX Considering a home purchase or refinance? 
CALL NOW RATHER THAN LATER We 're ready to answer your questions and help you move forward when you are ready. 
XXXX Mon-Thurs XXXX CT Fri XXXX CT Sat XXXX CT

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (Federal student loan debt) with Reliant Capital Solutions, LLC (VA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: On XXXX XXXX, 2018, I received a call and a voicemail from someone identifying themselves as an " authorized representative of the Ohio Attorney General. '' He represented that he was " with Reliant Capital Solutions ''. Obviously a state Attorney General would not authorize a debt collection company to contact people on its behalf. This tactic is deceptive and undermines the both the role of the Attorney General as upholding the law, as well as undermining the rule of law in general.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I attempted to speak to a XXXX customer service rep and they would not help and take care of the negative inquiries reporting to my credit report. The inquires are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Mortgage (FHA mortgage) with loanDepot.com, LLC (IL).
Issue: Closing on a mortgage

Complaint: The com pany Loan Depot operating as " iMortgage '' in IL should be investigated for fraud. The LE 's ( Loan Estimate ) they issue customers ( myself included ) is/was EXTREMELY inconsistent with the actual CD ( Final Closi ng Disclosure of costs ). Furthermore for a  XXXX  loan, the entire portion of the escrow hold back ( in my case it was  XXXX  ) was not broken down into individual line items like the law now ( TRID ) requires and they charged me twice for the same {$800.00} fee listed on the CD. In fact, I was never properly disclosed the correct break down of this escrow hold back EVER by the company, in the entire process and can prove that is the case. I only got an estimate by the  XXXX  loan consultant  at one poin t weeks before closing. iMortgage did NOT disclose this itemized cost/escrow hold back whatsoever and likely does not do so at all to other customers like TRID requires they do before AND at closing.     My closing on  XXXX   XXXX    XXXX   lasted for ove r 4.5 hours. During this time, 5 different departments could not figure out how to get me the b reakdown of this lumped  XXXX  cost/escrow amount. I finally at  4 hours  into the closing was contacted by people in AZ who emailed me the breakdown. I discovered they had added a fee twice on to my CD that I had already paid outside of closing. They not only refused at that point to remove it from the  CD ( as I a m sure the loan amount could not be changed at the table ), but they also did not credit me in any way and said I would " Get that money later on ''.     The above is complete fraud and I am certain that upon investigation into this company LOAN DEPOT and iMORTGAGE, that they are breaking more than one law in regards to proper disclosing before and at closing.     On a side note, my loan  officer  was  XXXX   XXXX  and he played a major role in all of this. I do not feel he is equipped to do loans for people in general anymore. He is a much older gentleman and he was sent documents  3-4 times on average ( the same document throughout the entire 3-4 month train wreck of a mortgage process ).    XXXX   XXXX  is an employee whose entire department should be investigated. She was the  XXXX  rep for my loan and did a very poor job communicating or sending documentation/explanation at all.     Overall, I am astounded that  iMortgage  and  Loan Depot are all owed to do purchase loans for individuals at all. The process could n't have been more of a nightmare roller-coaster, and it 's a shame that they have been able to trick the system this long without getting caught. Did I mention my closing was ove r 4.5 ho urs long?!

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: XXXX had my current address incorrect and fraudulent activity listed ( which I am disputing ). Transunion and XXXX would not allow me to access my reports online, possibly because they have the wrong current address, despite me residing in the same place for over three years. I am concerned the Transunion and XXXX have incorrect and fraudulent activity I also need to dispute.

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 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This account has been disputed and despite my case the company has been unreasonable in correcting the accuracy of data but have instead added more inaccurate data. There has even been an offer to pay it off completely by having my bank take over the loan so as to not have continued issues with credit bureau reporting, and provide an agreement to update the data accordingly, but communications have been ignored.

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 10/15/2016 about Consumer Loan (Title loan) with Quality Acceptance llc (CA).
Issue: Payment to acct not credited

Complaint: Pay my car Insurance in Quality Acceptance company wants me to pay over {$1500.00} because they said they found no record of me paying my insurance also have made payments that some payments were missing and the amount is not what they told me it was at first

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: LETTERS SENT TO VARIOUS CREDITORS ON XXXX2015 AND NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX, want to collect {$8.00} dollars postage charge which I did not own. Instead of communicating with me in person, they just sell my personal contact information to a debt collector without my personal consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed the Federal Tax lien on my credit report with all XXXX reporting agencies and only XXXX has removed it permanently. I contacted TransUnion last XXXX 2016 and furnished proof of Release of the tax lien and they did not remove it from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion still has a XXXX XXXX XXXX collection on my credit report with them. This collection was part of a divorce and the legal documents were given to XXXX XXXX XXXX as well as the collection agency who reported it on my credit. The collection and balance has been cleared out with XXXX XXXX XXXX and has actually been completely removed from my XXXX credit reports, however, TransUnion is still showing this collection on my Credit report. I have sent supporting documentation to TransUnion about this issue as well as they can see where it has been removed from the other credit bureaus. XXXX XXXX XXXX shows a {$0.00} balance. This is n't a " paid '' collection but a " removed '' collection. The amount of the collection is {$570.00}. This amount needs to be removed completely and my credit score needs to reflect that. THIS IS NOT A DISPUTE! This collection is my Ex Wife 's responsibility and XXXX XXXX XXXX removed that collection because they were given the proper legal documents to do so. The collection just somehow slipped through the cracks with TransUnion and needs to be removed. 
Also, The XXXX XXXX account for {$1100.00} has in the comments, " consumer disputes this account '' please remove that comment and any comment that says I dispute the XXXX XXXX account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other

Complaint: Purchased item on Macy 's CC in XXXX. Upon due date of payment, attempting to pay IN FULL on their website, the site was down. I called to make payment - their processing system was down. The representative documented my case and ASSURED me that I may mail payment but NO late fee or interest would be assessed. Received the next months statement WITH late fee and interest. Called to make complaint, which took hours out of my time to wait to speak with management. Was told over the course of THREE months this was resolved and I would NOT receive another statement. Come XXXX, I received ANOTHER bill for {$4.00}. IN anger and frustration, I wrote a complaint on their customer portal, but PAID the {$4.00} PRIOR to the due date in hopes this would finally be resolved. It is now XXXX and I have continued to receive COUNTLESS calls a day from Macy 's collections and continued to receive bills for {$2.00}, then {$4.00}, then {$6.00}, etc ... ( I am unable to answer my personal phone during any of their attempts to contact me, and it has taken at least an hour out of my day on my attempts to contact them. I can only imagine their efforts will be to submit me to collections over these ERRONEOUS minimal charges. As documented, I had already just gone ahead and paid the {$4.00} in XXXX, though was told REPEATEDLY by management I WOULD NOT receive another statement. I have multiple confirmation numbers if needed and I informed the representative each time I spoke with them in XXXX, XXXX, XXXX, and XXXX to record the conversation.

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