milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2017 about Mortgage (VA mortgage) with BROKER SOLUTIONS, INC. (VT).
Issue: Application, originator, mortgage broker

Complaint: From the start of the process XX/XX/XXXX, critical errors were made by both parties, people make mistakes. However, more recent events leading up to this complaint, and unanswered questions ; have me very concerned : The Closing Disclosure I received yesterday is missing information on the CHANGED CIRCUMSTANCE DETAIL : Date of Change : // - has Empty date?? 
Explanation of Change : - is missing an explanation! Really! 
( Do n't Lawyers do this part? Is there some loophole being exploited? ) At this point, I do n't trust the lender, and fear any mortgage payments would get botched as well. Now I have ran out of time since the closing has to occur by XX/XX/XXXX, and per the lender, not enough time to use my own Lawyer for Title. Today I hear rates are going up again soon, and the cost for me to refinance now, has gone up nearly {$40000.00}, over the term of the loan. 
I find it hard to believe that this was in the spirit of TRID, RESPA, TILA, or VA program requirements. These are all new terms to me, as of this last weekend. 
Since XX/XX/XXXX, many of my requests, questions, and concerns relating to document accuracy ; were played down and repeatedly ignored, most questions went unanswered. I made grave errors as well, not paying attention to detail, needed to insist on the corrections that I wanted. 
I gave them a copy of my Certificate of Eligibility ( COE ), XX/XX/XXXX. They had my VA Appraisal XX/XX/XXXX, around the time I was duped into signing the Loan Estimate. None of the updated information had ever been put into a revised XXXX XXXX like I had asked repeatedly. I have to wonder, are these poor people just stressed out and overworked? 
My rate lock had expired XX/XX/XXXX and I was led to believe everything would get corrected. Well into XX/XX/XXXX, they insisted I needed my XXXX, even after I had information confirming the COE was all I needed. I gave them the number, and followed up numerous times, did the UW ever call? ( XXXX ) I will become an expert before I ever try this again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have all been previously deleted, but continue to be put back on and I had no contract with these creditors.

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 08/15/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX is falsely reporting to my credit, i was never notified about this account, they claimed they did not have a forwarding address, i came to know about a balance of {$130.00} when it was placed on my credit report, paid it off XXXX XXXX XXXX, but XXXX is still reporting to my credit that i am late as at XXXX XXXX XXXX. 

this Account should be deleted for false reporting and illegal collection tactics

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 12-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company, ENHANCED RECOVERY COMPANY ( ERC XXXX was found on my credit report and I did not receive any XXXX day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01-06-2017 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have made several request to Equifax to remove a fraudulent account that I do not owe them. I sent a identity theft affidavit as well as a picture of the persoon who di on and who was arrested for the crime. He has the same name as me and they st ill left the account on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Debt collection (Other debt) with ProCollect, Inc (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: ProCollect was notified in XXXX, 2017 that I wanted verification of the debt. When I contacted ProCollect, they stated they verified the debt themselves and would not provide me any proof. They stated all they needed to do was call the client. XXXX XXXX, a collections assistant manager is at extension XXXX. She also threatened to notify third parties. This was all on a recorded line.

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 11/14/2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: To Whom it May Concern : I would like to file a complaint against Specialized Loan Servicing , Inc. ( SLS ). Upon transferring my loan to SLS there have been numerous billing errors, incorrect information reported to the credit reporting agencies, and an unwillingness to correct any errors. Here are some of the numerous errors that effected my account:1 ) Balance Due : My initial statements listed my balance due at {$150000.00}. This was over twice the amount I owed ( $ XXXX ). 

2 ) Billing Statement Errors : APR/Per Diem Interest Rate : They incorrectly billed me at over 8 % interest. My rate should have been 4.75 %. I was over charged {$320.00}. They later corrected the interest charges but never removed the overcharges. 

3 ) HELOC Billing Rights : Under the terms of my loan, all disputed discepencies must be corrected within 90 days and will not be reported to the credit agencies. 
My attorney contacted SLS in writing on XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, and XXXX XXXX, 2015. We also called numerous times to no-avail. 

4 ) Harassment/Over Charges : The entire balance was paid in full on XXXX XXXX, 2015. They continue to send me bills and continue to charge me fees. They have already charged me recording and processing fees XXXX ( which I have paid ). They continue to send me bills stating I owe them an additional {$1700.00}. 

5 ) Inaccurate information Reported to Credit Agencies : Despite the many errors they reported faulty information to the credit reporting agencies. They never corrected the overcharges. Despite my disputes they reported my account as over 90 days late to the credit agencies ( which was not allowed according to my HELOC agreement ). The account was paid in full in XXXX, yet they refuse to remove it from my credit report. When I call, they have told me that because I have disputed the information, they can not remove the late pay or adjust the inaccurate information. 

I can send copies of all of my statements and bills, the letters from my attorney and an XLS spreadsheet of all the errors that I have experienced for your review.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Using a debit or ATM card

Complaint: I received XXXX charges to my Bank of America business account from XXXX XXXX, which were not made by myself. I contacted XXXX and they said those charges were not on my XXXX account so I would need to contact Bank of America. I called and filed a claim. I called a few days later to check on it only to be told to claim was never filed. I filed a claim again and called a few days later and the representative said my money would be returned within 10 days. I called in 10 days and they said they had rejected my claim because they felt I " did not have a sense of urgency. '' I made them reopen the claim. I called again in a few days only to be told they closed my claim again, and that there was no reason for the rejection noted on my account. I received a bank statement today telling me I owed {$190.00} because the XXXX XXXX charges caused me to receive XXXX overdraft charges. Now, I am being asked to not only pay them for purchases that were not mine, but to also pay a significant penalty for these charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CT).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: They did not want to take recurring payments or post dated payment ... They want to charge payment over the phone fees..

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Bank account or service (Other bank product/service) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Using a debit or ATM card

Complaint: I loaded $ XXXX into my BBVA Compass Bank Clearspend Card and the card was forgotten at the XXXX location. 
My card was lost, and my money was fraudulently used. I immediately contacted Customer Service, and I have also provided a written Statement for Unauthorized Charges. 
I was told to wait 10 business days, before I will receive Provisional Credit on my Account, which I have n't received. 
Let me also point out that, the Cardholders Agreement states that " It may take up to 45-60 days to conduct its investigation on unauthorized transactions, but if by the 10th business days of receiving written Dispute Statement, and more time is needed, a Customer receives Provisional Credit, pending the determination of the Investigation ''. 
I am just imploring this highly respected Financial Service to honor its words, as stated in the Cardholders Agreement. 
Everytime I call to inquire about the investigation, its always a problem, as the representatives are rude, and have no update to provide. It makes me wonder why these Banks do things and we all keep quiet ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-10-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Got behind on mortgage payments due to paying my daughters tuition and her father my exhusband was late repaying me the funds. He switched jobs and my child support payments were delayed. This caused a domino effect request a modifications and my payment went from {$1400.00} to {$2200.00}. I made the first payment in XX/XX/XXXX the bank took {$740.00} and paid my insurance and {$1300.00} and then stated I did n't meet the payment plan and put me into active Forecloure. Spoke with XXXX this evening in Wells Fargo Home Preservation and he advised he does not understand how the plan was broken because he can see the payment. He advised he would send a note to XXXX XXXX because he is my Preservation specialist and would be able to give me greater detail on Monday. The letter dated XX/XX/XXXX advised I needed to pay {$780.00} to complete a full payment. I received this letter today. When I called the Wells Fargo today the Foreclosure department advised my loan went into Active Foreclosure on XX/XX/XXXX and they are waiting on a sale date. No offer to assist or help me save my home. They just increased my payments to make it unaffordable so I can loose my home when I have told them repeatedly that my intentions are to save my home!

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 02/13/2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I contacted XXXX XXXX last year when I fell behind on payments. They put me on a program that lowered my payments to almost half of the payment for about 4 months. I made the payments, which had to be completed by XX/XX/XXXX. I was told that once I finished the program, my payments would show current. I paid off the program with a payment of {$1200.00} in XX/XX/XXXX. When I went I make my next payment, the minimum due exceeded {$2500.00}, but the normal payment that I was expecting was {$650.00}. I contacted customer service and was told that it had been fixed. When I checked my loan again, it appeared to have been fixed online, but I found out recently that I was placed into another program, due to effects of hurricane Irma. I never asked for or was told about this. My account showed no payment due. Once an amount due showed up, I paid the amount due. Then a couple of months ago, I was unable to log into my account online. My mother told me a repo man showed up at their home looking for me. Now I have a letter in the mail showing I am past due by {$3500.00}. I contacted them to make a payment and they advised me to pay {$290.00} last week, which is the remainder of XX/XX/XXXX payment and I would be taken from repo status for 10 days only. Now they want {$2300.00} to bring my account current which I dont have. I was not called about this. When I have made calls to resolve, they tell me they will escalate and I dont hear back. When I was pre approved for this loan in late XX/XX/XXXX, they discussed my loan with the dealer, who sold me an overpriced vehicle. My rate is sky high and I can not refinance. I cant afford a {$3500.00} payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/29/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: I was caught up in a gift card scam in XX/XX/2016. The scamming company would pay off my credit card and then I was to use their funds from paying off my credit card to purchase the gift cards. I used my Citibank Mastercard to purchase the gift cards. I received confirmation # XXXX ( XX/XX/2016 ) saying my initial balance ( {$2100.00} ) had been paid off so I purchased {$2100.00} in gift cards. I received confirmation # XXXX ( XX/XX/2016 ) for the XXXX credit card balance pay off amount ( {$10000.00} ) so I purchased and additional {$7800.00} in gift cards. I received confirmation # XXXX ( XXXX/XXXX/16 ) for the 3rd balance pay off ( {$6100.00} ) so I purchased an additional {$2000.00} in gift cards. In all cases, I did not turn over the gift cards to the scamming company until I received the confirmation from Citibank that the funds had been received. I verified with Citibank multiple time that the funds had been received. I was told by customer service rep XXXX, in the AZ office, that once I have a confirmation # and the status says credited that the funds have been received and applied to my account. At that point, I released the gift cards to the scamming company. The funds were supposed to be transferred from XXXX Bank. There were 3 separate transactions as specified above, where I received confirmation numbers about the funds being received from XXXX. Once the 3rd transaction took place, the scamming company reversed all of the payments. I was told multiple time by different Reps that once I have a confirmation number the funds were received I had nothing to worry about. Unfortunately, I took the other reps at their word so I did not capture their names. In total, I was scammed out of {$11000.00} because of the mis-information I was given by Citibank. Plus, I was also charged and additional {$54.00} in return fees. I tried to resolve this issue with multiple times with Citibank but to no avail. I would simply like to be reimbursed by Citibank for the amount I lost ( {$11000.00} ) due to the mis-information I was given by their reps.

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 09-04-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I had open an account with XXXX XXXX back in XXXX. I terminated the service In XXXX, due to every month extra fees was added. I would call the company then they would credit the account. Every month they were scamming me for extra money. This account was taking off my credit back in XXXX. I checked my credit score and seen where XXXX has given my information to a third party called XXXX XXXX. Now they have opened an account on XX/XX/XXXX when the statue limits have ran 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 10/18/2017 about Debt collection (Other debt) with DCI Credit Services, Inc. (MT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I contacted the business as soon as I found out about the check being dishonored. The amount was XXXX and we paid the business XXXX the business and I agreed to. We have now been contacted by DCI credit services of XXXX north dakota to pay the XXXX and a XXXX dollar fee. When I contacted them to tell them we paid the company they told me it did n't matter we still had yo pay the fee after we already paid one.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My credit report shows that I am an owner of a XXXX XXXX account which has been delinquent and now charged off. This is not my account and has nothing to do with me. This is my sons account. My son is XXXX years old and I am not responsible for his debts in any way. 

I wrote to the owner of the account, XXXX XXXX, in XX/XX/2016 and told them I was not a co signer on this account and they wrote back and said they had no proof that I had ever opened an account with them. 

According to the Fair Credit Reporting Act, if the company can not present proof that I opened an account they must change their negative records and take me off the account. 

This mistake is hurting my good credit report and I need it changed asap.

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 02-11-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When I was first asked to start making my payments I asked questions about loan forgiveness from several representatives because my daughter who is responsible for this loan is a Delaware XXXX. From the beginning Fedloan Servicing has constantly gave us wrong information. They are absolutely horrible and their representatives answering the phones are clueless and have no interest in helping the young people today burdened in loans. Several times I mentioned about the loan forgiveness program and I was told all I had to do was tell them over the phone since they were the loan agent which I did giving my daughter 's information to them. I was told she was enrolled and to just make 10 years payments and at the 10 year mark everything stops. This is on recordings I am sure because these people record EVERY phone call. I became skeptical several times hearing adds about how organizations help get loan forgiveness ( another farce who preys on our young students ) so I called several times spoke to a representative and was told NO your daughter is fine already in the program. 
Recently when the payment went up I called to speak with a representative to understand and at that time I was told no your daughter is not in the loan forgiveness program!!! and we now have to fill out forms and the payment would double what it was now if she chose to get in furthermore the 2 plus years of payment do n't count!!!!!! Someone tell me how someone representing the federal government can be so clueless and not provide the correct information. Fedloan should be released immediately and NEVER provide anything to our young students. They are an absolute nightmare. All I got is we are sorry from the last representative I spoke to, she is sorry. Also in 2 years my daughter only reduced her loan XXXX dollars!!!!!!! So they made 2 years interest looking at my checks!!! I would like someone to look into my claim. As I said I know they are required to tape all conversations and this will prove my accusations against these clowns. My Daughter is XXXX XXXX XXXX she has a student loan with FedLoan Servicing, I can provide all the information you need. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation