milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Account opening, closing, or management

Complaint: My father died on XXXX/XXXX/17 ; he has a checking account at Bank of America. I called BoA for instructions for accessing the account since I am the sole beneficiary/executor. They gave me a list of the documents they needed & gave Estates Dept fax number. I went to the local branch & had then faxed. In follow up calls to BoA Estates Dept, they were unable to find documents faxed. After this happened three times ( local branch faxing/documents not found at Estates Dept ), I threatened with legal action & CFPB complaint. The documents were found, but I was told I needed to fax another document ( which I had specifically asked if they needed twice prior, as my lawyer provided it to me and I had been told by Estates Dept they did n't need it ). A supervisor at BoA Estates Dept became involved at this point and gave me his fax #, telling me that if I have the local BoA branch fax it to him, they can call his direct number ( which he provided ) to confirm receipt and he would have a check for the amount in my deceased father 's account overnighted to me. I did that, but when the local BoA branch called the number the supervisor provided, it went to voicemail. And it continued to go to vm the rest of the day and the next business day. I called BoA Estates Dept and was told that they can only reach out to this supervisor via email to tell him I am trying to reach him. They ca n't call him themselves. They also told me that since this has been " escalated '' to a supervisor level, there is no-one else in the department that can assist me anymore, only this XXXX supervisor. I have so far taken three half-days off of work only to try to resolve this Bank of America account issue. As it sits now, I need to wait for this supervisor ( XXXX XXXX ) to get back to me to confirm receipt of the document he requested to be faxed to him last Friday. I have XXXX confidence that I will ever receive the funds in my deceased father 's checking account.

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 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with First Data Corporation (WV).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I am so frustrated with Telecheck every time I write a check to a telecheck merchant regardless of amount telecheck denies it and markes it code 3 I have called telecheck numerous times to get this corrected and they informed me that the account is too new and to continue writing checks to build up history with Telecheck I informed them that this was the last time they was going to embarrass me in public by declining my checks I also stated to them how can I build up history if you are always declining them I do n't see how this company can interfere with me and my check writing!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2015 about Debt collection (I do not know) with Radius Global Solutions LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: someone used my stolen identity information and created several accounts including this one from getting services and things that i was not apart of yet the information that was stolen was used this account is fraudulent and from id theft and needs to be taken off asap

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AR).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo refuses to accept responsibility for 1. Not accepting verification for utility service at the home. I provided a utility bill with the service address noted. The utility bill was mailed to my XXXX. The XXXX has been my mailing address for years as is documented in my account records with Wells Fargo. If the funder/investor guidelines require otherwise. It was Wells Fargo 's responsibility to intervene given that the facts relating to the matter are well documented in my file for years. An extension should have been granted. 2 ) On the day of the sale I provided documentation to reinstate the loan. This documentation was used to prevent or postpone the sale 30 days prior while attempts to modify the loan were being made. Wells Fargo withheld information to the investor relative to my XXXX history. They are liable.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: These XXXX leaked my information to XXXX and everybody. Please send them to XXXX to be XXXX, where they know how to handle these kinds of things.

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 12-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was sold to Nation Star Mortgage servicing by XXXX XXXX XXXX ( XXXX ) After the mandated settlement with th US XXXX, Bank XXXX sold my loan. I have no chance of negotiating with XXXX XXXX XXXX - directly. XXXX purposely removed itself of responsibility once it settled because - the settlement did not require that XXXX keep the troubled mortgages -- THIS IS CALLED A LOOPHOLE. all the while hopeful homeowners were waiting for stipulations from the multi milllion dollar, XXXX sold our loans.Therefore once again finding a loophole to beat the system and not pay money back of help the consumerI have been trying to negotiate a reasonable mortgage payment since 2009.I have never accomplised the goel. 
XXXX bought my loan from XXXX in 2009. Realistically XXXX will never negotiate my mortgage because Bank XXXX XXXX in New York is true owner of my loan and multiple investors. Instead XXXX continues to lie year after year. 
This information is sent to XXXX credit reporting agencies and my credit score is very, very low. You see, I stopped paying the mortgage about 4 years ago because fo financial hardship. The payment that XXXX offered me as more than I was paying before I stopped paying them. 

Recently, I have rec 'd a letter from XXXX of Nation Star 's group of lawyersthreatening FORECLOSURE now.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: The problem is with tjx Visa card under XXXX XXXX First the  represanative are rude unwilling to do anything when I talk to them it feels like I am talking to the robot Michine. 
They also tread the customer like a criminal. 
Second their automative is very XXXX doesnt respond correctly and doesnt understand me when I want to make a payment and payment through customer service they charge {$10.00} My XXXX statements didnt get to me snd my XXXX statements my neighbors brought it to me which I assume my XXXX statements also was put on the wrong address. The mail man make this mistake sometimes if he doesnt pay attention because there are at least 15 21 in this  community but under different street name The credit card charged me {$25.00} and {$35.00} Is this ok??????? 
Or its high way rubbery {$60.00} Just late fee Third problem is there are charges to my account thats not mine and it should be disputed and diducted from my account. 
Charges are from 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 monetary relief
Consumer complaint received 09/22/2016 about Debt collection (Medical) with Advanced Collection Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: ADVANCED COLLECTION ACCOUNT NUMBERs : XXXX and XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ADVANCED COLLECTION or any company associate with this account # XXXX XXXXand tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ADVANCED COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I established a HELOC on XXXX/XXXX/XXXX with XXXX XXXX. It is now serviced by Ocwen. It was a 30 year term with a 10 year draw period for a principal amount of {$100000.00}. After the draw period expired, the repayment period began with a 20 year repayment period. On XXXX/XXXX/XXXX I made a payment of {$360.00} as that was showing as due for XXXX/XXXX/XXXX. I am trying to pay my mortgages ahead. As the documents will show, this payment has been changed and applied 9 times. They now show that payment as a principal payment, with an approximate balance of {$100000.00}. I never requested this to go as a principal payment. My 2nd issue is that my payment due for XXXX/XXXX/XXXX now shows {$770.00}. At the current rate of 4.25 % for a 20 year payback, The payment should fall in the mid {$600.00} range, I have attached a calculation. I have emailed Ocwen many times with no response. Calling their customer service is a joke. Per the emails sent I attached, I have requested an explanation with no response. I need your assistance. I have attached a verification of mortgage to show diligent payment history with no late payments. I refuse to make another payment until they justify the payment and the terms of this loan. I have attached the note and mortgage as well. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (MD).
Issue: Managing the loan or lease

Complaint: I submitted a contract in XXXX 2015 to purchase a new construction home. Shortly thereafter, my financing was approved. I am scheduled to close on my home on XXXX XXXX, however, when my mortgage company needed to recheck my credit last week, they found that the automobile loan that I had co-signed for was 3-months past due. However, the lender never contacted me when the loan was 1-month past due when I am the co-signer/owner of that vehicle. This issue could have been resolved without this damaging my credit and lowering my credit score prior to closing on my new home as a first-time homebuyer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hello. I have a second mortgage on my home that was serviced by XXXX. It was transferred to XXXX XXXX XXXX sometime in XXXX 2017. On two of three credit bureaus it is reported as paid. On Experian, XXXX is claiming that we are 30 days past due. I have called XXXX and they claim to have fixed the issue. I applied for a new mortgage and XXXX is still claiming we are 30 days past due on a mortgage they no longer service. This is causing considerable financial distress to my family. We 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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am including my marriage license per your request. I will send a copy of my social security card, birth certificate, my parents Death Note.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Loan modification,collection,foreclosure

Complaint: I was told to forgo making my house payment and we would then be eligible for a loan modification through BoA. The usualthing happened in that it took over two years and in the interimwe did not make the payments while waiting. Our credit was hitvery hard and the derogatory remarks on our credit ratings wereaffected as well as over {$35000.00} worth of " interest and fees ''. 
Can anything be done to correct this? This also put our mortgageunderwater which means we can not refinance. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Credit Report Inquiry XX/XX/2015Your company Citi Bank NA DBA BestBuy Credit card did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. I have disputed a debt and you have failed to report it as disputed with the credit bureaus.Protection under the Fair Credit Reporting Act. (FCRA 623) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623(a)(1)(B).  If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623(a)(3).

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 03-01-2017 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IL).
Issue: Problems when you are unable to pay

Complaint: I have tried to work with the lender directly in terms of paying off my loan at the correct remaining balance for a few months. 

Since then, my lender is attempting to delay communication in order to continue charging an outrageous amount of interest at the rate - 33.498 %, and recently put me on an interest-only bearing term which I was unaware of. The lender has charged me unreasonably high penalties for failure to keep up with repayments and took advantage of the fact I was unemployed for a year. 

The lender has told me they will not be able to work with me until my account goes to collection because I do n't have an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I currently have all my student loans through Nelnet. They acquired them 5-6 years ago. When they initially acquired them from my previous loan holder they changed my repayment terms for my loans to 25 years with out my consent. I called them as soon as I noticed and told them I did n't authorize them to change in repayment term. They ended up setting up the loans as one set up a 10 year repayment and another set up as 15 year repayment. My payment was around XXXX a month. I have been repaying these loans for the 5 years. I have had to times when I went on 3 months of XXXX that I put the loans on forbearance for 3 months. Through this 5 year times they have tried to reset my loan repayment term to 25 years without my consent. I only notice when I call and ask what my repayment term is. Every time they supposedly tell me they put it back to the original repayment term. This just happened again and now I am being told that they can not put it back to original repayment term without my payment going up. Please help. I feel like I am being taken advantage by them and I am not sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I sent a letter to FedLoan Servicing in XXXX 2016 explaining that I would like all the extra payments I make to be applied to the principle balance of the loan, rather than to interest. I have just discovered that for the past 7 months, they have continued to apply my extra payments to interest, despite my wishes. They never sent me acknowledgement of receipt my request, yet when I call their XXXX number there is only a computer that responds. I feel I do not know how to contact them in order to apply my extra payments to my principle, which hurts me in the long run as it extends the payment period and increases the overall amount that I will be paying back.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Bank account or service (Checking account) with PNC Bank N.A. (GA).
Issue: Account opening, closing, or management

Complaint: I opened a PNC Bank account 5 months ago with a promotional offer for a {$300.00} credit to my account after certain requirements were met. I did meet all of these requirements and still have not received this credit. I contacted PNC Bank and have spent over XXXX hours of my time on XXXX different phone calls with PNC Customer Service and on XXXX XXXX, 2015 I was advised that this credit would appear on my account on XXXX XXXX. It has been 20 days since then and the credit has not appeared. 

Additionally on XXXX XXXX, 2015 I confirmed with PNC Customer Service that all of the requirements were met for this promotion and that they even confirmed this with their " back-office retail escalation dept '' that everything was set and the credit would appear. 

I just this afternoon spend XXXX additional hours on the telephone with PNC Bank only to be told that they will file a " dispute '' and will get back to me in 30 days. 

This is ludicrous and upsetting that a large bank does not honor their commitments and I would appreciate the assistance of the CFPB to work with me to contact PNC Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received an alert XX/XX/XXXX from XXXX concerning a credit card account having a bad payment billing report on it, showing 4 missed payments.. I knew this account had to be a recent added account on my report because I would have been notified sooner, The account is showing 4 missed payments, and the account was closed by credit grantor XX/XX/2016..I contacted Best Buy to informed them that I have never open an account with them, and I have never authorizes anyone to use me in applying for any type of credit, they could not locate me in there system using my SSN, Full Name, or by any phone numbers I provided. I could not provide a account number because it 's not listed on XXXX credit Report. Best Buy said there was nothing they could do for me since they could n't locate me in there system, even though they placed it on my credit report.and I clearly stated to XXXX who is a supervisor, this is identity theft fraud, but she again stated there was nothing she could do since she could not locate me in there system ... I contacted best buy on XXXX/XXXX/2016 and again on XX/XX/2016..spoke with XXXX at XXXX .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 non-monetary relief