milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2018 about Checking or savings account (Checking account) with CHARLES SCHWAB CORPORATION, THE (TN).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: About a month ago I lost my debit card from Charles Schwaab. When I called to report the card stolen, I was given a hard time from beginning to end. For some reason my account was marked as having something to do with fraud. I again, explained to them that there was no fraud and I had simply lost my card. A few days later I was told that Charles Schwaab was closing my account, and was never given a reason as to why. 

To me this was a very unprofessional and malicious action.

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 12-02-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I closed on my home in XXXX 2015. When looking for my home we made it very clear to the real estate agent and the mortgage broker what our monthly payments can not exceed. Yesterday I saw a letter from the mortgage company that my escrow account is short {$3100.00}. This would increase my monthly payment to {$2200.00} from {$2000.00}. I can not afford the lump sum payment not the additional money on the mortgage payment. How can the mortgage broker grossly underestimate the escrow amounts? The mortgage broker was recommend to us from the real estate agent. We talked at length and after some research he had the best mortgage rates.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My lender Wells Fargo has set a slae date for XXXX/XXXX/2016 while asking me to provide additional information for their review of my modification.. I 'm told this is dual tracking.. They have put me under increadible stress forcing me to take legal action. I have repeatedly asked that the sale be postponed until we can provide the necessary documents requested, for review of a modification ... The loan on my home is a neg am loan and i have for over a year been trying to get this toxic loan modified ... Please 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 07/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} XXXX XXXX Real State Home Loan Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, Complaint Department I am writing to dispute seriously misleading and damaging information in my Credit Report. The items I dispute are on the attached copy of my credit report. 
These items are ( inaccurate or incomplete ) because mistakenly listed as Unknown '' ) should say paid as agreed. 

As you well know the loan modification processes was delayed by the bank. 
The reporting they said I was supposed to be later corrected. It was never done correctly on the credit report. The loan process started in XXXX/XXXX/XXXX it has been 9 year this mortgage and line of credit most be removed from my credit report. Clear up the mistake. 

Pursuant to my rights under the FRCA, this item should be deleted to accurately reflect my known credit. 

Enclosed are accurate copies to support these facts my understanding of the FRCA indicates I can expect a written response from you in the very near future. Thank you for helping to resolve this important matter. 

I really hope you will work with me on this. Please help me come up with a solution quickly to resolve the current status on my credit reporting. And keep your word as to credit reporting should be latter corrected Sincerely, 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 03/15/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/XXXX XX/XX/XXXX a credit card was taken out in my name with XXXX, I did n't find out about this till after I was going through divorce, and had moved out of where I was. I disputed it once i fou d out. I heard nothing back until i got the collection letter from Midland Credit Management. I again disputed and requested verification from them. I also coated XXXX myself with them having no information to provide aside account number, and address. A place I had n't been in over 4 years at this time. When asked to prOvid proof of debt, I was mailed a statement with the address I had n't lived at since XX/XX/XXXX. I was then served with a summons from love XXXX out of XXXX, represented by attorney XXXX in XXXX oklahoma in XX/XX/XXXX. I disputed again, and my dispute was ignored, no verification of debt was given, no signed contract, not so much as a signed credit card receipt. I filed my dispute with court and explained that they have provided nothing to sustaniate the debt. It had to go to court in XX/XX/XXXX, I filed my dispute with the court. No proof was given on court either. A letter from a third party who swears by midland credit management business practices says it 's verified, but no evidence was ever or has ever been given. LOVE XXXX CONTINUE to filed motions with the court and a bill that was once {$1100.00}, is now {$2300.00}. They continually try to garnish my check even though my child support was already taking out half of my check. This is XX/XX/XXXX, and they are still causing my life XXXX, trying to garnish bank accounts, and paychecks and have never been required to show one bit of evidence that this is me. They rely on the fact that I am ignorant of the law, and do jot have enough money to hire attorney to fight. I have repeatedly told them this is not me. They will not show any proof, and tells me I have to prove it 's not me. How are they allowed to just take money frim me, and my family with no evidence aside a credit card bill sent to address I was not at any further, and a letter from a third party that neither works for the bank, nor provided any evidence. Please help, they are driving me crazy, I have even offered them XXXX to settle, because I thought there was no other way to deal with this. but they refuse because they can get more through XXXX corrupt court system.and garnishing my bank accounts. I am not able to open an account now, because the levy on my bank accounts made the bank charge me even more fees that I could n't afford resulting in another bad debt., this is causing tremendous stress with my homelife. Please help me. This can not be fair, or legal. If they garnish my check it will not allow me to pay my rent. Which will mean eviction and another bad debt. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (I do not know) with Advanced Collection Bureau, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Account has not been verified after I asked  Collection Agency to  give me the information about this account  XXXX / XXXX /  XXXX   Asked company to send validation of amount owed they have yet to respond

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Credit reporting () with EQUIFAX, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have had someone using my address under numerous names and I have never, ever lived in XXXX. Please remove this at it is probably identity theft. I have always lived in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I don't understand why my credit score has dropped 13 points and nothing has changed from the last report date. I feel that this reporting system is taking advantage of consumers. There is no reason why my Transunion credit should have dropped 13 points. This system is unethical no morals what so ever. I need my 13 points back on my report immediately. Can  you please assist me thank you.

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 12-08-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was shopping inside a mall and my wallet was stolen out of my purse. Everything was inside my social security card and my non drivers license. Now that I am looking at my credit report I see this on here and I 'm confused because I 've never applied for this credit line. I want to figure out a way to dispute this charge.

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 06-11-2015 about Bank account or service ((CD) Certificate of deposit) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Account opening, closing, or management

Complaint: I received an email about a CD maturity on XXXX/XXXX/15. I moved out of state. I called on XXXX/XXXX/15 to put in an order to redeem the CD. The rep said he would note the account and it would auto-redeem. I called on XXXX/XXXX/15 to confirm. Rep said no, there are no notes on account and it will not auto redeem. Because I do not have a checking account I need to call back in 15 minutes to talk to CD department. I called back - that rep said no, I need to call back in 45 minutes to talk to the branch. I asked for a supervisor. He told me I needed to make my XXXX call about this CD and call the branch. I asked for his supervisor. He said he could have a department call me back within 3 days. I asked to speak to his supervisor again or XXXX XXXX 's office ... he put me on hold ( for an eternity ) and came back on the line to inform me that someone could call me back today. I am XXXX phone calls into a simple CD redemption and still do not have confirmation the CD will be redeemed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Good Morning, Since XX/XX/XXXX I paid the balance in full on account held at XXXX   XXXX for a prior unpaid debt of {$690.00} related to a XXXX bill from 7 years ago ( the account was originally one from XX/XX/XXXX ). I have cordially spoken with XXXX  XXXX representatives on multiple times over the past few months. I have requested the following information from them but have not seen any results despite each representative agreeing that they would see that the matters are taken care of : 1. I have requested a receipt that shows that I paid this balance in full to them ; Even after verifying with them that they have my correct telephone number, current mailing address, and email ( on the last 2 occasions, the representatives promised that they would escalate the issue to a Supervisor and that I would be emailed a receipt for the payment on the same day that I placed the call to XXXX XXXX ) 2. I requested that since the debt was paid and the account is 7 years old, could they please send updated information to the credit bureau to show that my account is paid in full instead of it being listed as unpaid ( I have checked my credit reports from all three major credit bureaus and Equifax still shows this account as being in collections with an unpaid balance of {$690.00} ). 

3. I requested on the last 2 occasions that they please provide me with a Deletion Letter, of which on both occasions, the XXXX XXXX   representatives that I spoke with both said that a Deletion Letter being sent to me would not be a problem and that they would get that sent to me. The last time I called, the representative even told me that she could have that letter emailed to me. 

Of those 3 requests that I made for this paid debt, I have not received any response that they agreed to during the phone conversations. This is very frustrating. 

I have made calls to them at the following dates and times ( Eastern Standard Time ) recently : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX at XXXX XXXX spoke with a representative at XXXX 3 ) XX/XX/XXXX at XXXX XXXX spoke with a representative at XXXX 4 ) XX/XX/XXXX at XXXX XXXX  spoke with a person who identified themselves as a Team Leader at XXXX   XXXX at XXXX I included these dates and times as well because these phone call likely have been recorded for quality assurance.

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 08/22/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: On XX/XX/XXXX, I got contacted by someone name XXXX XXXX, who says that the is an editor of the online magazine website, XXXX ( XXXX ). On XXXX, XXXX XXXX is known as " XXXX. XXXX, '' but I was curious if this was the same XXXX from that website, or not. Because I am a XXXX, he said that he saw my information on a website called XXXX, for which I am not a member of that website. He gave me details for a XXXX XXXX, which the deadline is on XX/XX/XXXX, which will pay me {$2000.00}, but an advance pay of {$500.00} will be payed to me first. He also told me to email an agent name XXXX XXXX, with an email XXXX. When speaking with XXXX, he mentioned that I will have to pay him {$3300.00} dollars, for which I did n't have those type of funds, which made step away from being the XXXX. XXXX then told me, that I will be receiving an advance pay of {$3800.00} dollars, which according to XXXX, I had to pay {$3300.00} to XXXX. Once I received the check on XX/XX/XXXX, I made a mobile deposit of the check. The funds were on hold for several days, until the XX/XX/XXXX. On XX/XX/XXXX, after checking my bank account, with the funds still on hold, now there is a pending on a return item of the {$3800.00}, leaving my account with overbalance of a negative account. I 've contacted XXXX to request a fraud on my credit report, I 've filed a complaint to the FTC, I 've contacted my bank to try and file a fraud affidavit, and the XXXX Police Department Major Frauds Unit, in regards of this. I 've yet to file a police report, as I 've noticed that I will need to gather up a bunch of evidence, before I could proceed with the report.

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 11/17/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (OR).
Issue: Deposits and withdrawals

Complaint: Fees charged for A legal fee, that over drafted my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NM).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, I want to file a compliant about Bank of America, I have been had problems with this organization for years. I could go on and on, but for now I want to submit a complaint about my current issue. In XXXX XXXX the renters I got to cover my mortgage payments up and left with over {$3000.00} dollars in damage and unpaid back rent. I was forced to leave my home in XXXX XXXX because my Husband killed himself there and my children were diagnosed XXXX and had been given medical advice to leave the home, we had to move! BOA was notified of this and would not work with me to lower payment or even return my calls. I was able to rent the home until XXXX XXXX. At this point I contact BOA and told reminded them I could not return to the home and the mortgage was to high to find renters to pay it. Again, had very little response. In XXXX after repeated phone calls and getting the run around I was finally contact and told to submit documentation for a modification. I had to submit and re-submitted 3 times, same documents and got not resolution. They in XXXX XXXX may case was set to some contractor, not BOA, who again asked for same documentation and finally denied my modification and told me I would n't qualify because I can live in the property. Ugh!! why did n't I get that information originally BOA knew all along I could not live in the property! Then I applied for short sale approval and got sent to another contractor of BOA and they did nothing accept call each couple of weeks asking if I had questions. Again I kept voicing my complaints and getting no answers. Finally in XXXX XXXX someone for BOA took over my case and I was told everything would be resolved in a month and now we are entering XXXX XXXX still no resolution or update on progress. I have submitted all my documentation and tried countless times to come to a resolution in the mean time my credit is getting ruined and this nightmare situation continues because know XXXX at this company can do their job or come up with a solution for my situation. I have filed complaints with better business bureau and everyone say " Oh Bank of America, Sorry but we ca n't do anything but log your complaints '' I am so frustrated and do not have the money to sue this company for all of the problems they have caused me, but I wish someone would help me resolve my situation. It is destroying me financially and mentally!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: I had payment arrangement with the bank and they reported me late on my credit report, I have made all my payment and I had a deferment arrangement that doing that my account would be current, but they are reporting me late.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit card () with IMC Capital, LLC (GA).
Issue: Unsolicited issuance of credit card

Complaint: I have received numerous unsolicited phone calls offering my business loans lately. I have used the option to stop receiving calls or told the person I am not interested and to take my company off their list. Instead the calls keep coming and now they sent me a credit card in the mail that I did not ask for or agree to. 
The card is from XXXX XXXX, it claims to be a $ 150XXXX limit card that I am to call to activate. No terms, just the card and instructions on how to activate it. I think it 's a scam Ph # to call is XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 05/15/2017 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: Public record information inaccurate

Complaint: There is a bankruptcy reported on my credit report that is incorrect. I have disputed it and the CRA has maintained that the court has verified it. This is a lie, the court verifies no such information. I have included the transcript of the voicemail left by th e Clerk of Court. She has provided her number if they need to call for follow up.  I 'm not sure where they are getting the information but it is not from the court as they have said. Additionally they verified the bankruptcy as a reported "  XXXX  '' balance case. I 'd like to know who files bankruptcy on for a  XXXX  balance? The clerk has also verified they do not provide social security numbers or birth dates to PACER or the likes. The reporting of this information is a clear violation of the FCRA.

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 08/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: FROM XX/XX/XXXX TO XX/XX/XXXX Making payments to XXXX at {$300.00} a month starting in XX/XX/XXXX. When the Student loan forgiveness act was to be introduced they created Navient to handle services, avoiding the forgiveness act. 

Being a XXXX XXXX i am eligible for dept forgiveness after 10 years. I am currently 7 years from retirement. I believe they deliberately split Navient off to continue to reap gains on payments thus taken the onus off them! In steps Navient to continue to deny any payment to the forgiveness act. 

They say the only way is to refinance. In steps XXXX through XXXX XXXX XXXX. 


Its a shame that the XXXX XXXX XXXX let this happen, corprate greed has destroyed this country.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Brown Olcott, PLLC (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: HOA sued for unpaid assessments and is garnishing wages, but the law firm collecting the debt on their behalf is not engaging in meaningful negotiation to resolve the matter. Consumer has offered a settlement, offered an alternative payment plan, and has requested a reduction in the wage garnishment. However, law firm has simply rejected settlement offers with explanation or a counter offer, or proposed an alternative payment plan, or produced proof that they filed the reduction with the court and it has been over 14 weeks. 
The amounts they are seeking to collect are in excess of the judgment, and they have not reduced the balance by payments made by the consumer to the HOA. The amount the law firm is seeking to collect in attorney fees are excessive and nearly triple the principal balance with accruing interest. The consumer has offered to pay the full amount of the principal {$740.00}, court costs {$220.00}, and over {$500.00} in attorney fees and they rejected the offer. It appears the firm wants an additional {$1200.00} in attorney fees and it is unlikely they have presented the offer to the HOA.

Company response to consumer: Untimely response