milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/21/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: well now that Im on a computer where I can print my report from, I wanted to be able to view it so that Im able to print it out

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Cheating me out of my repayment rights. Reporting to have had defaulted my loans, also end up damaging my credit score. Also they are being sued also by federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Disputed aged out account showing last payment date XXXX/XXXX/06 ; and duplicate reporting by XXXX XXXX XXXX, showing Open Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 submitted a letter to Experian on XX/XX/2017 to remove inquiries that were not authorized by me and did not receive a response addressing my concerns. I need to see proper authorization for each un authorized inquiry on my report. Furthermore I requested that they provide me with the method of verification for the XXXX XXXX card they are reporting on my report and they id not provide it. I need these issues resolved as soon as possible as this is preventing me from being able to get financing for my XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CO).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX, my account balance was over $ 4k. On the same day, my husband 's paycheck, which is normally received via direct deposit, was delivered as a live check by XXXX at XXXX, due to payroll processing issues on the part of his employer. The BBVA branches were closed, so we deposited the check via the mobile deposit app. The bank put a three day hold on the check and after calling to request the hold be lifted, they denied the request. This was a payroll check and by law they can not hold the funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: This complaint adresses how the XXXX has been illegally reporting XXXX collection accounts to the XXXX credit reporting agencies, Equifax , refuses to remove these errors after repeated investigations. The original creditor is the XXXX XXXX XXXX for both accounts in which I went to the XXXX on XXXX seperate occasions. 
1. Acct # XXXX {$280.00} 1.The date that my payment was delinquent was XX/XX/XXXX. A single collection account can not have different dates that they will be removed from each credit reporting anency. 
2. Acct # XXXX {$140.00} This became late XX/XX/XXXX 3. Credit consulting acct XXXX {$110.00} The Orig creditor-XXXX never sent me a bill and I was never told what the charge was for and they are not sure the debt was mine because the address information is not mine. The XXXX agency removed these accounts from their report on XX/XX/XXXX and my dispute with Equifax was ignored. 
Additionally, I have repeatedly demanded proof of the debt so I could attempt to verify the correct dates and have been repeatedly ignored. Both credit reporting agencies do not give me any documents that show me how the verified the debt. The collection agency will not give me this information either. They will of course send me a bill to verify the amount on the account, that I am not disputing, I also wanted to point out that Equifax and XXXX report both of the accounts as closed and open. I want to verify the date accuracy of the XXXX debts. If the closed account has wrong information it should not be reported on my credit file. I have attached the XXXX report and Dispute report & Eqiifax report, as well as the XXXX before the dispute. Additionally, I have tried to find out the correct dates of delinquency by filing a complaint through your agency before but It has been hard to articulate my problem until now. I never received the proof of the debt that showed any dates and have requested this information from the XXXX & the CRA 's. Please help, the end dates for each collection account should be the same on all XXXX credit reports. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: this bank is taking my home to sale this bank will not give me a Loan Modification so now this bank is taking my home to sale

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 05/16/2017 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: Was not notified of investigation status or results

Complaint: Initial Complaint :  XXXX   XXXX  provided me with  XXXX   XXXX  contact information from on  XXXX   XXXX ,   XXXX  . I did not receive the above contact information prior to filing my complaint to the CFPB.  XXXX   XXXX ,   XXXX   is the first date I received contact information on  XXXX .     Everything listed above and performed by  XXXX   XXXX   XXXX  appears to have been done recently, after the derogatory credit reporting in  XXXX  and  XXXX . There are no dates listed above regarding the investigation and/or notification prior to my complaint with the CFPB. Again, derogatory information was submitted prior to me receiving any documentation or letters regarding the resolution of the fraud investigation.     I contacted  XXXX  more than  twenty " 20 '' times (  prior to my CFPB complaint ) regarding this issue via telephone,  XXXX , and fax. Moreover, I specifically informed  XXXX  that my cell phone, along with other things, had been stolen and personally gave you an alternate contact number.     Additionally, I was actually told in  XXXX  that this card was cancelled by a  XXXX  representative and actual items on the card were disputed. Negative information should not have been reported to the credit bureaus if the credit card account was under investigation, and/or I was not aware of the results, and/or I was under the assumption that the card was cancelled.     Thank you.     email :  XXXX  XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Repeated Loop. Again and again. No way out.
I 'll set up auto withdrawal. But because the loans are not all consolidated, I lose track of them.
Suddenly, I 'll get calls and letters. Then find out a loan has been defaulted for few months. I 'll call new servicer, set up auto withdrawal again. Then get calls several months to a year or two later, another loan defaulted. Finally asked.
They said the loans are being sold to new servicers, but they never bother to tell you, that need to set up new payment, or that they will auto transfer the payment. Once loan sold, auto pay just stops. They could at least say its being moved. They are constantly being moved. All the payments I try to make yup stay afloat are a waste because once the loan had changed hands, the interest and fees just bring it right back to where I started years ago to repay the loans.
Another incident, were they advised they were putting the loan into some other standing and asked for paper work. I literally mailed, faxed, emailed Evey month for almost a year and half and they still call saying the signature and documents have not been received for the loan transition. Today they still regarding this.
I do n't understand. Why, if we are on the phone and I fax it to you while we are on the phone you still dont have it and the account is in default again.
How?!?!?! does one keep up and stay on top of their loans when the servicer is not doing their job to help the student, who are trying.
Its hard enough to try to make three payments, why do the services make it harder by switching hands, not informing you, not transferring the payments instead of just stopping them altogether, if going to stop then notify. and get the paperwork and documents straight. Keep all notes and documents intact. How can you not receive it, plus have verbal confirmation and I keep them on the line many times but still its not correct. How?!?!?!
I ca n't do their job for them, but if I could I guarantee it would have been handled correctly.

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 11-08-2016 about Payday loan () with ACE CASH EXPRESS, INC. (TX).
Issue: Charged fees or interest I didn't expect

Complaint: calls more than 6 times a day sometimes automated sometimes a rep will call threatening phone calls.Advised Im I a non profit payment plan and still want me to make payments on the side.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Hello, Last Tuesday night ( XX/XX/XXXX) I was researching two credit cards I want to start using, the XXXX XXXX Visa Signature Card by Bank of America and the XXXX XXXX XXXX XXXX  by XXXX. I accidentally hit apply for the XXXX card when I meant to apply for the XXXX card. I tried to cancel it right away but did not see a link to cancel. I then applied for the XXXX  card hoping it would still go through as intended. 
When I got my rejection letter from Bank of America on Thursday ( XX/XX/XXXX ), I saw the first reason for the rejection was too many recent credit card applications. Right away I tried to fix the situation by calling Bank of America to explain what happened and ask them to reconsider my application for the XXXX XXXX Visa Signature Card, but I could not get through the phone tree to speak to a representative. After that, I called XXXX to explain the situation and cancel the XXXX XXXX XXXX XXXX and they took care of it right away. 
My issue is that I have not been able to get in touch with anyone from Bank of America to discuss resubmitting my application now that the XXXX XXXX XXXX XXXX has been cancelled.

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 07/26/2016 about Bank account or service (Checking account) with FLAGSTAR BANK, FSB (MI).
Issue: Using a debit or ATM card

Complaint: A couple of days after I noticed XXXX separate fraudulent charges on my business debit card I immediately called and cancelled my card and sent an email to the Assistant Vice President and Sr. Branch Manager who manages my account. He sent over an affidavit for me to fill out and he submitted. The bank put credits on my account for charges. Several weeks later they received notices from the vendors that they were 'valid ' charges and they revoked the previous credits. I sent a certified letter to my branch fraud department disputing the decision asking them to reconsider and the information they sent me from the vendors had false information about my identity, even the delivery address where the items purchased online were delivered. Then I did n't hear back after about 4-5 weeks I called and they said they no longer handle the cases and I needed to work directly with my branch. I 've been going back and forth with my bank, they say they 've done everything they can and I would need to work directly with the merchants to get my money back. One merchant I ca n't get through too, one said I should have a credit coming, that my bank will not confirm, one I spent an hour on the phone to be told I need to work with my bank to get my money back. My bank does n't answer me back for days or even weeks at a time and feel I 'm getting the total run around. I 've been diligent about going through the proper steps and keeping in contact with my bank. So as of now I am at a loss. I work too hard to lose over {$600.00} and need help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Account opening, closing, or management

Complaint: I opened a checking account with BOA under an promotion for a {$300.00} credit with a new checking account and qualifying direct deposits in 90 days of opening. I was very careful to fulfill ALL terms of the promotion, but the {$300.00} was not credited to my account. 

Over a period of 3 months, I made numerous attempts in writing and by phone with customer service representatives, but simply got the runaround. I received no response or return communication despite escalation attempts.

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 11-04-2016 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (FL).
Issue: Credit decision / Underwriting

Complaint: On XXXX/XXXX/2016 I was pre approved for a home mortgage ( FHA ) by Sunbelt Lending Services after presenting all requested documentation. So I move throgh with my broker for home inspection, we needed to fix couple things on the desired house as well after inspection and I had to pay for the appraisal. Everything went well, house was fixed, appraisal approved, tittle company with my deposit in approved also the house. So far everything was ok till I received a phone call by the lender saying that his investor was not confortable and he needed at least 25 % or 30 % as down payment. Pre approved loan down payment was 5 %. 
It was told since the begining for the lender that maximum down payment would be 5 % and my biggest concern is that he let me go up to the end, paying off the fixing, inspections and appraisal. It really feels like bait and switch. 
After that I and my broker asked him to send a denial letter accordingly and he would not pick up the phone or reply our emails for 3 days. After that I could get him on the phone and he emailed the denial letter, but only saying that I have not sufficient funds! Which is not true. It occured because he changed his propose after everything. 
So far I expent over {$1900.00} ( inspection, appraisal, fixing, accountinh services ) and still fighting to get my deposit back from the title company. 
Lender said that he would give me what I expent as a credit for an upcoming application. But honestly I will never do it again with this lender and would never recommend their services for anyone. XXXX XXXX XXXX was the loan senior officer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/15/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible.

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 12-01-2016 about Payday loan () with Green Trust Cash, LLC (MA).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for this payday loan but the interes charges are too high. the amount I applied for was XXXX and they have been taking money from my back account every payday. I need help. the interest rate is XXXX % for a total of {$1600.00}. I think they are stealing from me. this is not supposed to be so high!! htey did not tell me that when they called me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage with XXXX in XX/XX/XXXX they gave my mortgage to a company called greentree servicing. My mortgage was XXXX at the beginning a couple of years ago I lost my job due to closing. So last year I applied for a home modification they sent me some papers stating that they would give me a temporary modification for XXXX year. They drop my payments to XXXX for a year. So this year XX/XX/XXXX that modification was finish. So I got a letter in the mail stating my new payment is XXXX due to the escrow paid my taxes and insurance while I was in this modification for that year. So I looked at the statement they charge me for XXXX years taxes and insurance but I did n't have the modification but for XXXX year. So I question them about this to a lady name XXXX she my representative she told me she did n't know about that I need to asked them. She also stated to me have n't they been paying your taxes and insurance since you been in the home I told her lady I been in my home for 9 to ten years and I always paid my own insurance they never paid it. I told her I can not afford these payment I need a permanent modification. They sent me the papers and when I sent them in they told my they could n't give me a modification because they did n't have the authority because the were just contractors for XXXX mortgage. I ask how can I contact XXXX Mortgage they would not give me the information. Please help me I do not want to loose my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I currently have many student loans, all through Great Lakes loan ( GLL ) services. I have been overpaying my loans to more quickly pay them off. According to great lakes loan ; " The regular monthly payment goes first to accrued interest, and then is prorated over the loans within the account. If your payment is larger than the regular monthly payment, the overpayment is applied to the principal on the loan with the higher interest rate, assuming all outstanding accrued interest is paid. " When I first setup my account I was asked to setup a monthly auto-pay for a 0.25 % interest deduction. I of course did so. This auto-pay is assumes a default " 10-year '' repayment plan. What I have been doing is making extra payments 1-2 times a month in excess of {$1000.00}. Using their phone app everything looked like it was going well. I then logged onto their website and saw a discrepancy. GLL has been taking my extra payments and applying them equally across all of my loans, not to the ones with the highest interest, like initially thought. After contacting GLL they informed me that the statement above only holds true if I overpay via the " monthly payment '' not the " one time payment ''. This is purely a ploy to not pay off my highest interest loans and keep me on as long as possible. Their statement says nothing about a " one time payment '' exception. When i called them out on it they replied with ; " We are happy to reapply any additional payments as you direct, assuming all accrued interest has been paid, although it is necessary for you to submit a request via email or phone after each payment is made in order for us to do so. Thus, it is generally to your benefit for you to make a single, larger payment at the time you make your regular monthly payment, rather than to make a separate, extra payment after making your regular payment. '' How does this make any sense? why would they be treated any differently? I have to contact them after each " one time payment '' to tell then to put it towards my highest interest loans ...? I have been repaying my loans now for 2 years and could have avoided hundreds of dollars of interest if they had done what they said they did with overpayments. which is what a " one time payment '' is, regardless of whether it is part of the standard monthly payment or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Debt collection (Medical) with United Collection Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: False Debt collection call to my wife that may cause identity theft. Asked for SS # and account in XXXX healthcare. 
From number XXXX XXXX XXXX XXXX on behalf of United Collection Bureaue They tried to enforce her to pay {$300.00} dept to XXXXp ( XXXX in XXXX 2015 ). I have checked my accounts with XXXX - no balances. 
Consider such calls as criminal activity collecting personal information and pulling money from people.

Company response to consumer: Closed with explanation