milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Inc. was reckless in their handling of my sensitive personal information. Improper security controls have allowed nefarious agents to obtain information that is so private, it is used as security verification of my identity in my relationships with other companies. Upon using the website provided by Equifax ( equifaxsecurity2017.com ) to check whether I was personally affected by the recent data breach, I received the message " we believe your personal information may have been affected by this incident. '' No other assurances for identity protection were provided. 

From this day forward I must now assume that my social security number, driver 's license number, previous addresses, and credit card numbers are linked to my name and are PUBLIC INFORMATION -- as well as possibly more detailed information about my financial history. To personally protect myself I will have to ( 1 ) purchase an advanced identity protection service, ( 2 ) maintain increased vigilance across all my business and government relationships indefinitely, and ( 3 ) insist on above-standard identity verification in new business and government relationships. As I am young, I estimate this burden will cost me no less than {$100000.00} over the next several decades.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Credit determination

Complaint: A few years ago Bank of America charged off a closed credit card balance against which I had been making mutually agreed upon, monthly, on-time payments. While they admitted it was not my fault, they also told me they could n't rectify the problem even though it negatively effected my credit. ( Unfortunately I did n't know about you guys. ) After this I continued to make mutually agreed upon, monthly, on-time payments. Recently with the same account, Bank of America failed to report my payments to XXXX and XXXX ( and probably XXXX, but I did n't obtain that report ) for at least 12 months- XXXX of XXXX through XXXX of XXXX. While payments of {$0.00} a month were reported on the credit reports, the balance continued to mysteriously shrink by {$50.00} a month ( our mutually agreed upon payment amount ) because I continued to make on-time payments. Once again Bank of America 's negligence negatively affected my credit. I also doubt they reported any payments after XXXX of XXXX, and do n't know if they reported that the account was since settled, paid, and closed out.

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 04/27/2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (NC).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: I took out a loan in  XXXX  of  XXXX  for a used car with a huge interest rate because of my credit issues from a very corrupt suto company and it was financied through  Credit Acceptance. I n  XXXX  if  XXXX  the car was repossed due to late payments I paid the past due amount in  XXXX  to get the car back from repossession. This is where my tragedy starts, when I picked the car up from the auction the interior was completely covered in MOLD. So much that I could n't sit in tbe car. The auction attempted to clean the car claiming it was sent that way from the repo company i called the finance company credit acceptance and told themI could  not drive th e car because of the mold. The auction cleaned the car was still filled with black mold. I told the finance company I could not keep the car even after extensive cleaning. I have  XXXX  boys bor n at 27 weeks  I let credit acceptance know my son is extremely allergic I  can not drive  him around in the car. They refused to take responsibility for the fact that their repo company left the windows down and the car was rained in for almost 2 months on and off. What was I to do. I had them come and get the car after they refused to help clean the car  so I could drive it with m y children. I have pictures to coloborate my story

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 02-01-2017 about Credit card () with Alliance Data Card Services (MI).
Issue: APR or interest rate

Complaint: The statements are intentionally confusing and do not detail differences in payments due for purchases vs. balance transfers. They then charges interest on the purchases since the min payment ( not clear ) on the 0 % balance was not met. This is intentially misleading.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-11-2016 about Payday loan () with GLOBAL CLIENT SOLUTIONS, LLC (MI).
Issue: Can't contact lender

Complaint: Global Client Solutions is claiming they are going to contact my work, garnish my wages and file check fraud for a loan that I have no knowledge of. When I asked for proof they said unfortunately it 's too late and they are not the originator of the loan and if I did not pay them they would move forward with charges.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Mortgage (FHA mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (AL).
Issue: Struggling to pay mortgage

Complaint: I have XXXX XXXX XXXX XXXX along with other serious illnesses. In XXXX of XXXX I payed Franklin American my mortgage payment. I feel behind 6 months and was denied XXXX stating I could do other work which was disputed by all my physicians. I did advise Franklin American I would catch my payments up with my tax return which I did. Then they modified my payment to {$5.00} a month for twelve months. Around the 10th month in I had to fill out paper work for an extension as in all the times I sent this paperwork in they kept misplacing documents. I asked for a 1-6 months extension because with my attorney and Honorable Congressman XXXX XXXX I was given a on the record Fully Favorable decision from the XXXX in XXXX. I sent in the letter and all other documents, which the XXXX letter stating I was approved for both XXXX and SSI back dated to when I appliedXX/XX/XXXX. I told Franklin American I would pay all money owed them when I received my back pay. I called the loan work out department who said I was missing documents again and that my home was being foreclosed XX/XX/XXXX. I contacted the attorney who said a date was n't set but I just received paperwork saying if I do not pay {$130000.00} my home would be sold. Now I have to hire an attorney costing me more money that I need to give back to mother who I owe for my daily living expenses. I have received phone call after phone call from a automated number from this company this has put me under further stress and XXXX. If you check my payments up until my XXXX when I had an income I was paying my mortgage on time and more often early.

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 04/19/2017 about Debt collection (Credit card) with Allgate Financial, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I was sued and had a wage assignment for a credit card issued by  XXXX  that I also received a  XXXX  for. The debt was cancelled, I paid taxes on it and I still had the wage assignment. I paid over {$5000.00} through the wage assignment. This was done b y Equable Ascent Financial LLC  and  XXXX    XXXX   XXXX  . I want to recover my funds.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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: On XXXX XXXX, 2017 these two accounts were deleted from my credit reports after a dispute I filed on both the accounts. Now both accounts have been added back to my reports without the bureaus giving me the proper notifications that they would be added back which is a violation of FRCA SECTION 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2015 about Debt collection (I do not know) with The CBE Group, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: man they are calling me XXXX times a day

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Payday loan debt) with ACE CASH EXPRESS, INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I had taken out a loan and I paid most of it and now they put so much fee that now I owe them {$4000.00} before all I owed them was {$700.00} and when i stopped paying them it cause i had just lost my job and havent find a new job yet now they harassing me with the call  I get about 10-15 phone  a day from several phone area code and this morning received a called about that they are taking legal actions and they will put me in jail if I do n't pay off the whole {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NC).
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 am a XXXX with the XXXX XXXX and currently have a home loan with Wells Fargo Mortgage that began in XX/XX/XXXX. <P/>Over the last 7 years, I have had an extremely difficult relationship with my lender and have filed several disputes through XXXX, XXXX, and XXXX against the late payments displayed on my account with Wells Fargo. <P/>I will admit that have been late in the past in which I always made arrangements, but I have not had late payments to the extreme that is reflected on my credit report. I could never fully understand how my monthly payments were being applied to my account. I had lengthy phone conversations with the lender 's representatives that were always stated to be recorded. So much so that, I requested copies of all payments made to my account from the beginning of the loan to date. <P/>After reviewing these records from Wells Fargo, there are discrepancies in what the credit report states vs. what is stated on the statement breakdowns. <P/>I disputed these findings to Wells Fargo Financial at XXXX XXXX XXXX, XXXX XXXX, IA, XXXX asking that these findings be investigated. I received no response. As a matter a fact, on my credit bureaus it states that the " Subscriber reports dispute resolved - consumer disagrees ''. <P/>I have been on a payment plan with the lender in the past but that is not reflected at all on my report and the monthly payment amount being reported is at {$2000.00} vs. the correct amount of {$2000.00}. <P/>I would like to have an investigation done on my account. I feel that I am a victim of the Wells Fargo fake account scandal. <P/>I have been in law enforcement for 15 years and in my a career in law enforcement honesty, morality, professionalism, and integrity are my core beliefs and I expect to be treated the same. <P/>I look forward to hearing from you soon!

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 12/26/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient refuses to update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Credit card () with KEYCORP (MA).
Issue: Transaction issue

Complaint: In XXXX and XXXX fraudulent charges were made on my credit card. The company was XXXX. First Niagra supposedly did an investigation. They said it was n't fraud. So they sent the claim to the disputes department. They said there investigation determined the claim was for unauthorized charges. So they turned the dispute to a different unit. I have a letter from the investigator called XXXX XXXX. They said it 's was a dispute because I got something from them, but they never said what. In the meantime Key Bank bought First Niagra. I asked them to perform a new investigation. XXXX XXXX from Key bank said she, did but they did n't. She said she had nonever of the First Niagra records. I asked to speak to a supervisor. After numerous calls I reached a supervisor. I told her that Key Bank did not do due diligence. She said she would contact XXXX. She said I purchased soccer equipment. I said I didnt. I am XXXX and have a XXXX XXXX XXXX granddaughter and did not make an such purchase. Then the supervisor told me to call XXXX and and she gave me their phone numbers ( XXXX and XXXX ) and told me to talk to their customer service. I said ok. Then I realized I did n't have the credit card and the bills only have the last XXXX digits. I called the supervisor XXXX XXXX XXXX XXXX ) back again she said I should call XXXX and use my customer ID number. I said I did n't have a customer number because I 'm not a customer. That 's the point. Yesterday she said she 'd contact them again. I said Key Bank owes me me the XXXX because I already paid those amounts. I have the letters from First Niagra and Key bank as well as the bank statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/13/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX contacted my place of work to attempt to collect a debt. I 've also has XXXX XXXX call my place of work to collect a debt as well. They have contacted me repeatedly after I 've told them to not call my place of work. They have also left information with managers and our HR department along with messages asking for me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Consumer Loan (Installment loan) with Carma Enterprises Inc (NV).
Issue: Problems when you are unable to pay

Complaint: XXXX been told multiply times not to call my job cause I can get terminated..they were told this in middle of XXXX..told this on XXXX XXXX and again on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (IA).
Issue: Trouble during payment process

Complaint: I was approved for an FHA loan - 30 year, fixed, 3.5 % interest rate - originally through XXXX XXXX XXXX. Very soon afterwards, my mortgage was sold to Freedom Mortgage. Due to having some health issues, I had to take off some time from work and became late in my payments. During that time, I was generally about a month behind. The company would discuss loan modification with me, but then would generally comment that they would not recommend I do the loan modification and instead I should just try my best to catch up on payments. In the process of trying to get all that settled, I had several things happen which made me about two months behind. Just when I was getting caught up, I was notified that my mortgage was increasing from {$1000.00} to {$1600.00}. When I called about this significant increase, I was told that the company had completed an Escrow Analysis and determined that they were not having me pay enough to meet my property tax  requirements. Initially my payment was broke down as follows : principal {$880.00}, escrow {$150.00}. They said that they had increased my escrow payments to {$510.00}. Additionally, they said that I had a deficit in my escrow and therefore, I would have to pay an additional {$290.00} per month towards that. When I asked why they had not recognized this issue from the get go, they told me that my house was a new development and therefore they did not have the tax information. However, my parents have had a house built in the same area that I live in and their escrow payment for taxes and insurance was assessed properly. I was a first time home buyer, no one explained caught this oversight during closing or any time before I closed. Although I was able to borrow the money to pay the deficit in the escrow, my payment has still increased significantly. I am afraid that I will lose my home. Are there any suggestions on how to address this? I have continued the loan modification process, although, every time I turn around there is something they need that they never said anything about before. I just would like help with guiding me through this process.

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 10-08-2016 about Debt collection (I do not know) with SECURITY FINANCE CORP (IA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Security Finance has sent a letter to my employer telling them to garnish my wages even though there is no judgement and no court order so not only have they discussed my debt with my employer they are trying to send them a threatning letter to garnish my wages

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 09-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Federal law, The Truth in Lending Act, requires a written notification to the borrower if the ownership of your mortgage is sold, assigned or otherwise transferred. This notice is in addition to any notices you may receive about the transfer of the servicing rights for your loan. 
On XX/XX/2016 Countrywide Bank, XXXX. assigned and transferred to Bank of America , N.A . all its right, title, and interest in and to a certain Deed of Trust for borrower XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX for a property located at XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ( Recorded in XXXX XXXX XXXX, NC on XX/XX/2016 at XXXX ). 
Why was no notification sent to me, the borrower, that this transfer had taken place?

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 04/21/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I had a fraudulent flood insurance policy taken out on behalf of my mortgage company ( Nation Star ) and rolled into my escrow account. On numerous occasions proof of new zone/mapping areas where sent to highlight and prove that flood insurance was not needed. I live on the XXXX floor of my building where FLOODING would never occur. 
My mortgage payment ballooned from {$1600.00} to {$2200.00} from one month to the next. 
As the policy was the most exuberant one, it was {$2400.00} for the policy - my XXXX only cost XXXX. 
I was late in paying my XX/XX/XXXX bill and had a foreclosure package delivered to me the XXXX week of XXXX. My credit score has gone down XXXX points for this horrific and erroneous mistake. The Florida Supreme Court has filed a class action law suit against them, as they defrauded XXXX customers out of their homes. Nation Star also owns the insurance company XXXX XXXX in which the fraudulent insurance policies where processed. In addition to the fraud, I was denied a refinance to assist me in my debt and change lending companies. 
Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I started my Deed In Lieu of Foreclosure in XXXX of XXXX. After several attempts to contact the bank and being told that the missing paperwork letter that we received was automatically sent out. On XXXX/XXXX/XXXX, we were assigned our lone specialist, XXXX XXXX. On XXXX/XXXX/XXXX, we called and spoke with the customer service representative, XXXX, who told us that the paperwork should have been sent within the first 48 hours but the system showed that the paperwork was not sent until two weeks later. On XXXX/XXXX/XXXX, was transferred through XXXX representatives until XXXX answered his phone. He stated that XXXX. appraisal, containing fair market value and specific details of the home including being permanently affixed to the ground, was completed and was only waiting on the title. XXXX/XXXX/XXXX XXXX had received the title and stated that he " found everything we needed to clear title. '' XXXX/XXXX/XXXX, attempted and failed to contact XXXX, left a message. XXXX/XXXX/XXXX, spoke with deed in lieu department who is leaving a message for XXXX to call. XXXX/XXXX/XXXX, we were notified that a survey needed to be done and the VIN number was needed. XXXX/XXXX/XXXX we were told that the final paperwork was being prepared. XXXX/XXXX/XXXX, called but could not reach XXXX, left message and emailed to notify that I could no longer afford to make the mortgage payment because I had returned from deployment and was no longer receiving extra pay. XXXX/XXXX/XXXX spoke to XXXX who said he spent request to attorneys on XXXX/XXXX/XXXX. XXXX/XXXX/XXXX called and could not get in contact with XXXX, was given Manager 's POC. XXXX/XXXX/XXXX called for update, Spoke to XXXX XXXX, who could not locate XXXX. Received phone call on XXXX/XXXX/XXXX from bank asking if I had any questions about my loan, after being asked the status of my Deed in XXXX, I was told my application was denied because of a failure to resolve the title and a letter was in the mail that stated the specific details. XXXX/XXXX/XXXX, called to get more details because the letter had not come and was informed that the letter was never actually sent. Spoke to XXXX XXXX about my case and was told that the attorneys notified them that they need paperwork from the county stating the home is affixed to the ground at the beginning of XXXX. No request for the information or contact of any kind was sent to me. Requested to have a copy of bank notes on the account sent to me via email and was told they could not send me notes on my account. The request was denied XXXX/XXXX/XXXX. Due to the home being undergoing the Deed in Lieu process, being unable to sell or rent, the home has been place in an abandoned status and the insurance company has dropped the insurance requiring the bank to charge me fees for insurance while they prolong the process.

Company response to consumer: Closed with explanation