milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Settlement process and costs

Complaint: I began a loan modification with boa for a heloc XX/XX/XXXX.I recvd signed final mod papers fom boa XX/XX/XXXX boa never closed nor notified me sent new heloc mod papers signed and final by boa XX/XX/XXXX.as of this date XX/XX/XXXX the mod has not been closed and credit has not been adjusted. i recvd letter from boa XX/XX/XXXX stating that credit report adjustment to remove delinquencies from XX/XX/XXXX to present was submitted.boa then put the loan back into default where it is till present stating loan mod has not closed and the 30-60 days is " not a given '' .I have asked for a statement of payment history and have been told by XXXX ( cust relat manager ) that is was sent but have no control over us mail.i requested this over 21 days ago.it has taken boa over 14 months to mod this heloc and per boa is still in the closing 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 non-monetary relief
Consumer complaint received 10-07-2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: RE : Capital One Auto Loan From XX/XX/XXXX- XX/XX/XXXX.
This loan is paid in full. I have received my title to my XXXX XXXX XXXX.
Through the loan payment process 4 payments are marked LATE. These payments should not be marked late. This impacts my credit score and ability to borrow.
Three times I have contact Capital One Auto Finance regarding this situation. As previously stated to Capital One Auto. I moved 3 times through out a 2 year period ( From XX/XX/XXXX- though XX/XX/XXXX ). Change of addresses was from XXXX, XXXX to XXXX, XXXX to XXXX XXXX, XXXX. Missing mail statements. Also, payments bounced back repeatedly. This was an uncontrollable and unfortunate situation. I could not control the US Postal Service.
Capital One Auto Finance refuses to amend, adjust the multiple late payments that should not have been. Capital One Auto has been paid in full on this loan and also, on a previous auto loan. Capital One needs to give me a letter titles to me and the credit reporting agencies waiving and clearing the 4 late payments on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax And XXXX Did Not Address My Dispute In Regards To The Date The XXXX Account Was Closed. As A Result Damaging Information Is Continuing To Be Reported To My Equifax Credit Report Even Though A Period Of Over 7 Years Has Long Passed Since The Disputed Account Was Closed For Account # XXXX The Disputed Account Is Still Showing As A Charge Off.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XX/XX/XXXX, I wrote a TransUnion a letter in good faith requesting they delete inquiries on my credit report that were previously deleted and re-added after computer glitches in XX/XX/XXXX and again in XX/XX/XXXX. The two glitches were the problem and error of TransUnion. By not giving me 5 days notice they were re-adding the deleted inquiries back on my credit report, they violated my rights. They responded with a letter denying to remove the inquiries. The deleting and then re-addding due to their glitches has caused a hardship for me along with violating my rights. I asked for the CFPB to help stop TransUnion from continuing to victimize me by requesting all the TransUnion inquiries be deleted from my report by already submitting one complaint on this issue. TransUnion responded to the complaint and again refused to delete the inquiries they added back on my credit report without giving me the proper notification before doing so. In response to this, I refuse to accept the results! TransUnion should not be allowed to mock the CFPB 's authority and continue to victimize me by ignoring my rights!

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 12-09-2017 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX IQ DATA INT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me IQ DATA INT XXXX Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 12-08-2017 about Debt collection (I do not know) with Midwest Recovery Systems (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have contacted this company Midwest Recovery Systems asking them to validate this debt with original documentation however at this point nothing has been received. It is listed on my credit report two times with identical account numbers yet two different amounts. As far as I am able to determine as if this is not egregious enough, I am unable to locate a license to collect in Michigan as required by law for this Company or any of the other companies with the same or similar names. This is causing a great hardship and I would like them to remove and DELETE these fictitious and possibly fraudulent entries on my credit reports from XXXX, XXXX and XXXX along with any other third parties. Placed on my reports for {$1000.00} and {$740.00} XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX XXXX has informed me that they are excited to let me know that they have received the Initial Approval on my loan to refinance. They included in mortgage documents an XXXX XXXX XXXX credit score and the price I pay for credit sheet dated XXXX/XXXX/XXXX. 
1. Page XXXX shows EQUIFAX reports a score of XXXX as of XXXX/XXXX/XXXX. Page XXXX of this credit score sheet shows Key factors that affected my credit scores. These key factors appear to be verbatim to information reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now in XX/XX/XXXX. 

EQUIFAX 'S KEY FACTORS Serious delinquency and derogatory public record or collection filed Length of time since derogatory public record or collection is too short Proportion of balances to credit limits too high on revolving credit accounts Too many inquiries in the last 12 months The number of inquiries has adversely affected the credit score. 
Letters submitted on or about XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, am d XXXX/XXXX/XXXX disputing these horrific key factors. Consumer Finance Protection Bureau ( CFPB ) file numbersXXXX, XXXX AND XXXX have been filed disputing these very same key factors. EQUIFAX did not respond to Case number XXXX as they suspect that it may have been submitted using a credit repair company. Their suspensions are in error. This case was submitted by customer. After reviewing Equifax credit file # XXXX dated XX/XX/XXXX, ( XXXX pages ), it reveals the information provided by EQUIFAX does not support any of these absurd key factors.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TN).
Issue: Struggling to pay mortgage

Complaint: Attached is paperwork from Carrington Mortgage showing my mortgage interest rate changing every 6 months. I 've also attached information stating Carrington & XXXX XXXX apart of a class action lawsuit for their discriminatory practices. I feel I 'm being discriminated against because I 'm a XXXX woman and head of my household. I do n't want to loose my home. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Debt collection (I do not know) with Brown and Joseph, Ltd (PA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: A man named XXXX XXXX from a collection agency called XXXX XXXX XXXX in Illinois made a harassing phone call to our business today. He claimed that we owed a company called XXXX XXXX for a surety bond related to a shipment that was delivered to our building ( XXXX XXXX XXXX XXXX, XXXX PA XXXX ) in XX/XX/XXXX. 
We have never done business with XXXX XXXX. We have never requested a surety bond from any shipping company. We did not even own the building in XX/XX/XXXX. We bought the building in XX/XX/XXXX. 
XXXX XXXX claimed that we had received multiple notices from XXXX, which we had not.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have a Home Equity Line of Credit with Citibank. They obtained and are charging me for home owners insurance even though I ALREADY have my own policy. I have sent my own policy information to them multiple times yet they continue to charge me and keep their own policy in effect. I am paying for XXXX policies. 

My own Home Owners Insurance is provided by : XXXX XXXX XXXX - account number is XXXX XXXX My Broker is 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 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have asked Experian to remove the incorrect public record listed on my credit file and they 've yet to provide me with adequate validation of this filing listed against me. 

I am asking that Experian follow suit and delete this public record from my credit file, as another credit reporting agency, XXXX, has found that this information was indeed inaccurate and has since removed the delinquency from my file with them. 

I have proof to submit showing that XXXX has found a discrepancy in this delinquency and has no longer reported this bankruptcy on my credit file with their company. I am asking that Experian either submit proof of their VALIDATION ( not verification ) of this bankruptcy or remove it from my credit file as it has caused me extreme emotional and financial distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Medical) with Asset Recovery Group, Inc. (WA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The choice I chose above best describes what happened, but there is so much more. They threatened to take us to court and sue, threatened to damage our ( both my wife and I 's ) credit score as much as possible and garnish both My wife and I 's employment checks until debt was settled. We also can not confirm this, but we think there have been attempts by XXXX to contact us through our employers. We want to work with them and pay it off as we did n't even know that this medical bill existed until he called. That is nobody 's fault except ours, and we know this. We will fix it, but he is being very forceful and very abusive in his calls. The agent 's name was XXXX with Asset Systems. 

After this conversation with XXXX, my wife called me crying. So, I called him to ask for the name of the company he was with, He immediately went to " Do you want to speak to my supervisor? '' I said no, I just need the name and address of your Company please, which he provided. I wanted to report them for this abusive call and their tactics of trying to collect a {$600.00} debt. We my wife called them back during her lunch break today and to settle on a payment plan, but now I feel I need to take action against them for this type of behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid my XXXX account in full on XX/XX/2017 and I 've submitted documentation to all XXXX credit bureaus and they refuse to change the status of my report or remove the item completely from my report. Also I 've filed some disputes but they have seem to have lost them?

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 02/19/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (DE).
Issue: Trouble during payment process

Complaint: We purchased our home in XX/XX/XXXX. We refinanced our mortgage in XX/XX/XXXX. Shortly thereafter, Wells Fargo took over the mortgage. 

In XX/XX/XXXX Wells Fargo did an escrow review and mistakenly read the annual taxes on the closing disclosure. The taxes were listed on page 2 of the disclosure as " to XXXX XXXX County ''  .... {$910.00} and " to School District '' ... {$2800.00} for a total of {$3700.00}. On page 4 of the  disclosure the " Escrowed Property Costs over Year 1 '' are listed as {$4200.00} and include the homeowners insurance. In their initial escrow review in XX/XX/XXXX Wells Fargo mistakenly read the annual taxes as {$910.00}. Because of this mistake they came to the conclusion that our escrow account had an overage of {$2500.00} and they mailed us a check for that amount. They also lowered our monthly payment from {$1800.00} to {$1600.00}, which was {$230.00} less per month. 

In XX/XX/XXXX Wells Fargo did another escrow review and this time read the taxes properly. They realized the escrow account had a {$4100.00} shortage. They gave us two options. Option 1 ) Pay the shortage over 12 months and the new monthly payment would go up to {$2100.00}. Option 2 ) Pay the shortage amount in full and the new monthly payment would be {$1800.00}. Neither of these options are viable for us. We do not have {$4100.00} to pay up front and we can not afford {$2100.00} a month. That would be more than we were paying before we refinanced in XX/XX/XXXX and would completely negate the refinance. 

We immediately called Wells Fargo to find out what went wrong and to clear this up. They are refusing to take responsibility for their mistake. Initially, they tried to place the fault on the company who we refinanced with, XXXX XXXXXXXX. 

In XX/XX/XXXX Wells Fargo gave us the option to pay the escrow shortage over 24 months. The new monthly payment would be {$2000.00} which is still more than we can afford and is still more than the monthly mortgage payment prior to the refinance in XX/XX/XXXX. 

Currently, Wells Fargo is avoiding us and continually telling us they need an additional 10 business days to investigate. This has been going on for 3 months. Once the additional 10 days has passed they tell us they need another 10 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (ID).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo continues to discriminate against me. They have destroyed my life for 2 years and the CFPB will not help. Please keep my case open until Wells Fargo admits the truth. The CFPB needs to help me communicate to Wells Fargo so they understand the devastation they are creating. What documents do I need to submit to prove Wells Fargo is breaking the law? The CFPB needs to give me more guidance. Wells Fargo still has no email XXXX accommodation available for me to contact if I have questions, see attached letters dated XX/XX/2016 from both Wells Fargo Home Mortgage and Wells Fargo Home Equity. I am telling the truth, please help me CFPB.

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 12/21/2015 about Bank account or service (Checking account) with PNC Bank N.A. (DC).
Issue: Account opening, closing, or management

Complaint: PNC Bank wants to charge me {$25.00} for closing my online bank account because I do n't like their services. Can they do that? Not letting withdraw below a certain balance, or charge me a fee. Not let me close my account or charge me a fee. This just seems wrong. I have not enrolled in any type of bonus/promotion offer from them where it seems like these large fees should be there.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit reporting () with GENERAL MOTORS FINANCIAL COMPANY, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 've contacted GM Financial several times regarding them leaching onto my credit since XXXX/XXXX/2013 and there still there.? I need them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: MANY HARASSING PHONE CALLS PER DAY

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 03-07-2016 about Credit reporting () with SYNCHRONY FINANCIAL (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid my bill and in full this is the second time with this company Sychrony Bank keep saying my check is returned when in fact they withdrew the payment and never recieve credit on any of my accounts the only way we finally figured out was thru phone payment .i sent the info proving my payments and was sent texts saying they have me credit and then recieve a new bill thats almost double what it was previously. im spending so much time trying to fight the company its caused many other conflicts in my life to the point im ready to get a lawyer and sue because they dont do anything to resolve anyone 's issue ( in not the only consumer same issue ) i found they were sued for the same type of issues only to reopen under this bank name Synchrony and are ruining many lives as they do the same to others as myself. the attachments they say they have no knowledge of any payments beside the last 2 phone payments .I may have sent doubles but I have plenty of my own but it says not to send personal info on here but really need help theese peoplecare corupt and lie to consumers they have made my XXXX to point im becoming ill from nonstop harrassment from them and i did tell them and a young girl thought it was funny i guess hearing me say this as she became sarcastic to point i could n't talk to her no more plzzzz help they are destroying people 's lives and never help try to resolve anything

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 04/21/2015 about Debt collection (Federal student loan) with ECMC Group, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My son acquired a student loan but was unable to finish school. ( attended XXXX out of the XXXX months ) The school collected the entire amount of the loan. He defaulted on his loan and it fell back on me. I attempted to make payments but my wife was not working at the time and all of our bills fell on my shoulders. I contacted XXXX XXXX but they only lowered the monthly amount due by a few dollars. I contacted them again with no result. The loan grew to double the amount from XXXX up to XXXX. I 'm still on my own paying bills and can not afford the amount that they are garnishing from my wages every XXXX weeks. I have not received a raise in XXXX years. All of our medical, dental, vision, homeowners and automotive insurance is taken out of my pay. Water, electric, gas etc is also what I pay each month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation