milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-03-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Credit decision / Underwriting

Complaint: Finally, after several years of hard work we are finally able to refinance several of our loans. XXXX was a condo, XXXX was a XXXX Plex and now the third is a rental property. There is a first mortgage owned by XXXX XXXX {$45000.00} in which I want to add {$22000.00} to make it a {$72000.00} loan. The HELOC owned by Bank of America at {$97000.00} is the problem because they will not allow subordination. The reason is I just spent {$22000.00} ( I have receipts ) on new siding, new roof, new gutters, new deck as it was original from XX/XX/XXXX and XX/XX/XXXX. In other words, it was a needed repair and it also helped increase the value when I received my appraisal. The lender I used saw no problem with getting my savings returned as she has been in the business for 15 years and has not been turned down. I even called several banks and Bank of America verifying this and they said I would be able to qualify for a loan. There are several reasons Bank of America should approve our loan : This loan was purchased as a rental and the HELOC was secured as a rental. It has been owned for 10 plus years. It has a low loan to value ( Equity {$100000.00} ) Never in 30 years have we been late on a mortgage payment. {$22000.00} was spent on property which helped increase the value and it 's located in XXXX. We have been a solid Bank of America customer for 30 years. Good credit score XXXX. No credit card debt or car payments. Recently refinanced a condo and XXXX plex. I 've been approved for this property to refinance and we are in a time sensitive lock and Bank of America has given us every excuse ; verbally told to me, 'its a rental ' 'and 'they do not do subordinations on rental properties '. I find this hard to believe. The fact that they have a Subordination Department means that they can do this and we have plenty of equity for Bank of America to approve our subordination. Not only that, we have been their customer for years.

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 10/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/2016 I started the process to get a debt from AFNI , Inc validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report ( XXXX. XXXX XXXX XXXX, IL XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 { 15 USC 1962e ], which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. Within the 30 days as allocated by the aforementioned statute. they sent back copies of a phone bill totaling {$890.00}, and a letter stating ways to pay them. NO SIGNATURE ELECTRONIC OR OTHERWISE was contained in the response from AFNI , Inc . Anyone can make a phone bill with enough know how with Photoshop or many other free programs on the internet, I can take the same bill they mailed me and change it in about 5 min to make it look like THEY owe the bill. That to me is NOT validation of a debt, and none of the forms mailed to me contained any signatures of mine electronic or handwritten. They did mark their trade line on my report as " Disputed ''. Already with no proof of MY signature validating the debt, they have already broken Federal law, by not supplying it within 30 days. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, that they have broken Federal law, as good will giving them one last chance to have them to validate the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been one response from this agency. My follow up letter has been ignored, I have all documentation of my attempts of correspondence with AFNI , Inc, and will also be attached with my complaint. This is LEGALLY unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: we have owned our home for several years. We have been good about not using too much of our equity but we did take out a HELOC on our home. This HELOC now is foreclosing on us. We have applied to keep our home several times, last time being XX/XX/XXXX. My file was closed XX/XX/XXXX due to being incomplete. I have sent everything to ChASE everything they ask for, they would say that they never receive my faxes, give me other faxes and now I am losing my home because of this problem. I was told that my package was complete I thought I was under review, months later when my documents expire CHASE just asked me to resend the package again, over XXXX pages over and over. This is because they never review what I send them, they wait until it expires to ask for more- and now instead of helping me keep my home they wish to foreclose and evict me. I have even tried to do a short sale for HAFA and they are giving my agent the same problems with the fax, they resend things over and over but never can get CHASE to ackn receipt. I do not know what else to do- I often request to speak with a XXXX speaking representative but chase just assigns me to people that only speaka XXXX, I did not understand that I was supposed to resend everything again because it is old now. instead i get a denial

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: ERRONEOUS INFORMATION ON MY CREDIT REPORT, SCORING INNACURATE INFORMATION, EXPERIAN HAS N'T UPDATED STAUS CURRENT OF MY CREDIT TRADE LINES ALL IN GOOD STATUS.

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 02/15/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: The servicer is Nelnet for the student loans by me XXXX XXXX loan number XXXX and my daughter XXXX XXXX account number XXXX. They are ruining both of our credit scores by not allowing us to make payment in full. 
I have power of attorney from my daughter to handle the student loan debt and have communicated with Nelnet on behalf of both us via certified mail that we wished to make payment in full under the following conditions : 1- That we receive a certified and true itemized bill showing the original amount loaned and by who? 
2- Confirmation if the loan has been sold or converted to a Student Loan Asset Backed Security ( SLABS ) and who the true current creditor and owner of this debt is. 
3- That once we make payment in full to the verified true creditor, that we will receive our original promissory note with original signature, so we cam destroy it and prevent anyone else from making the same claim in the future. 
All of my certified mail to the CFO of Nelnet repeatedly requesting that he provide me this info so I can make payment in full, have not been answered. I also explained that under Florida law and UCC commercial law, when a person makes a certified statement to make tender payment in full, and such payment in full is rejected by non-response or acquiescence, such debt is considered non verifiable and discharged. Regardless of my several written certified mail attempts to make payment in full, this collection agency and its CFO, have purposely denied me the right to pay the true creditor and continue to harass and financially harm me by destroying my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (ME).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I am attempting to resolve a student loan that is from XXXX XXXX, then navient, i just had XXXX XXXX from consumer credit something at XXXX -- XXXX just call me. Ive offered them XXXX as my loan was XXXX in XXXX they tell me that i have to pay the XXXX that its gotten too or 25 % of that. then claim that I am threatening him when i mention the law suits against Navient, when i offered the XXXX i was told that last month that would ; have worked but not this month the " specials '' are over. They refuse to take the money i have yet say i am refusing to pay. 

what can i do?

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I am a XXXX XXXX XXXX on XXXX/XXXX/XXXX I have transfered money into my mothe account XXXX XXXX XXXX XXXX with XXXX BANK. 
I just found out the money went into a different account, and Bank Of America refuses to help me I have spent the whole day over the phone I XXXX went in perosn to the local bank. 
and they did nothing so I m lossing my {$500.00} dollars even do they know it went into a different account. 
I do need this money I have no money. 
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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: Reports of said account is still being reported without being verified

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 08-05-2015 about Bank account or service (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: My debit card was charged without authorization from XXXX XXXX XXXX in XXXX, NM. I submitted a fraud dispute with BMO Harris bank and received a provisional credit for a partial amount. 

The provisional credit was then reversed from my account with no warning or proof from the merchant that fraudulently charged my card in the first place for the amount of {$1100.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (LA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Our account was overdrawn XXXX by regions. I check my account Daily via mobile app and online website. I checked my account on Monday XX/XX/XXXX and I had a low balance but was not in the negative with no pending transactions shown. Showed that I had two transactions for XXXX purchases that had already posted and cleared at that time. Fast forward to the next day and I had a check come in that I didn't have enough to cover perfectly fine I would take that XXXX fee. Then suddenly the two previous debit transactions go back into pending and bam two more NSF fee then I had enough deposited to cover the one check and NSF until they decided to charge me even more NSF because of a transaction that was done prior to the overdraft occurring in the end I'm out XXXX in NSF with a XXXX child at home requiring medical equipment and my lights will be cut off at XXXX XXXX   today. When I called regions I was told that transactions maybe held 3 business days in pending then they can be placed back in your available balance and can be reposted for up to 180 days after. I was never informed of this and also was never informed that I could opt out of overdraft on debit transactions only we were told you could only opt out if you choose both debit and check Transactions be declined for overdraft protection. Regions is robbing the poor blind and they have no remorse they don't care that innocent children will be sleeping in the cold tonight with temps below freezing as long as they make millions off of people. I don't understand how this is even legal to allow transactions to post how they see fit to gain a dollar rather post in the order the items were done. Do not bank with regions unless your ready to go bankrupt. They even took donations for my son for his XXXX XXXX  that was deposited to my account for NSF fee 's.

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 03/15/2016 about Credit reporting () with EQUIFAX, INC. (NH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XX/XX/2015 I recieved results from Equifax stating XXXX-XXXX was not reporting on credit file XXXX not reporting on credit file XXXX XXXX not reporting on credit file XXXX not reporting on credit file. 
I have attached the Equifax Results from XX/XX/XXXX with Equifax stating that. 
After a couple Equifax has let the items come back on my credit report without proper notification of the 5 days per FCRA 611 15 U.S.C 1681I. 
You have clearly violated my rights and I am being denyed credit.

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

Complaint: For the past 5 to 7 years there has been over XXXX hard inquiries on my credit report of which I am responsible for XXXX to XXXX, the most. The rest has been the actions of thieves with my social sec number, using variations of my name, addresses, false most of them, and bogus phone numbers, all that in the island of Puerto Rico. I am currently living in another state and communicated the issue to trans union the agency running most of the bogus inquiries. Their answer was to call and write the numerous banks, car dealers and financial institutions where the inquiries were made. I did but to my surprise, the answer I got from all of them is that they have no record of an inquiry, not records of my social sec number or name. Even the false names and addresses that appear on my report were not recognized. Worst is that in the end I am stuck with a bunch of inquiries that I did n't do, my score is affected miserably and trans union keep sending me to the same lenders and service providers that already told me they have no inquiries under any name or social sec number that I provided to fix the problem. However, to be fair with them, they did process a security fraud alert very quickly and took a bogus account under my name out of the report. The options I have to fix that problem is wait 2 years after each inquiry to be taken out and that for me is simply unacceptable. Any way you can help me will be much, very much appreciated.

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 11-02-2016 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I filed a complaint under number XXXX. I still do n't have all my escrow refund. It 's been three months. I am tired of calling the company, I am tired of the excuses, I am tired of the lies they send back as explanations, I just want my money!

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I applied for a apartment and got denied. When asked by the agency what the issue was they sent me a report stating a company called CBNA, which I never heard of. And it said that I owed {$1100.00} had credit of {$700.00} & that the account was opened XX/XX/XXXX and last active XX/XX/XXXX. There 's also a -40 points on the screen and it says account type charge. I do not have s credit card, I have not activated one and I did not authorize the use of this transaction. This is preventing me from moving and getting a place. if I do n't get this removed I 'll be homeless.

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 EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Equifax mishandled my personal information, including SSN, in the recent data breach, which puts me and others at risk. I 'm listed as one of the potential victims according to the equifaxsecurity2017.com website, and I 'd like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (ME).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2016, I received mail from Midland Funding LLC about an alleged debt owned. I checked my credit report through XXXX and the debt has been reported as an adverse account. [ Account # XXXX ( Please note : XXXX omitted account 's last XXXX digits for security reasons ]. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), I sent via certified mail [ Mailed XXXX/XXXX/2016 ; received XXXX/XXXX/2016 ] a request to Midland Funding LLC to provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Maine ; and 4. proof of the last payment made on the account. 

Midland Funding LLC has contravened its 809 ( b ) statutory requirement to sufficiently validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Debt collection (Credit card) with NORTHLAND GROUP INC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received continued notices to settle a debt from Northland Group , Inc. to settle a debt with XXXX XXXX Bank XXXX XXXX XXXX, XXXX. that does not belong to me. I have no record of ever opening an account with XXXX XXXX, nor do I owe them any money. I have asked them to stop attempting this alleged debt, and they continue to pursue communication tactics that is against the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have asked Santander Consumer, USA NUMEROUS times to cease and desist communication with me and to discontinue reporting ANY AND ALL updates to the three credit bureaus effecting my score as they 've secured their vehicle a long time ago. Santander is constantly reporting late payments each month to the bureaus when I have not had possession of their vehicle and the account was charged off XXXX XXXX. In addition to that, they 're reporting a new address for me as XXXX XXXX XXXX, I HAVE NEVER LIVED HERE! I 'm tired of them holding my credit score hostage while I am actively trying to rebuild and reestablish myself. Santander is making it extremely difficult to move forward by literally harassing me about an account that is closed. Please investigate this matter promptly, my next step is to file a law suit against them, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Every year I get trouble to order my free credit report from Experian After I input my name, date of birth, social security number and address I 'm getting this message : We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX Request form. 

XXXX, GA XXXX And this is a common issue I see with people online on forum. 
I tried and asked other friends to try and they get similar error. 
I wish all credit bureaus would make this process more smoother.

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 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To XXXX county collections, I found the information you asked me for. Complaint # XXXX. I 'm sending you evidence to. At the time I was staying at my son 's house in XXXX until I got my social security for being XXXX.we finally saved money to get our own place in XXXX, and in XXXX XXXX I was in the XXXX hospital getting the therapy I needed to be a little more self sufficient, I was an XXXX XXXX for about two months in XXXX XXXX , ca. TransUnion as well.

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 02/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On my Transunion report, XXXX account and XXXX inquiries were removed and reinserted into my credit file on XX/XX/XXXX. I was not notified of the reinsertion within 5 business days as required. I have spoken with the Transunion special handling department on XX/XX/2017. Id would rather not have to file a lawsuit against the credit bureau to get this corrected.

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