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

Complaint: Equifax failed to take adequate measures to protect my credit report information ( social security number, date of birth, addresses, and other information ) and secure it from unauthorized access. 

Due to this egregious error on their part, my personally identifiable and credit reporting information has been stolen and disseminated to the public without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Mortgage (Conventional fixed mortgage) with 21ST MORTGAGE CORP. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have fallen behind on my Mortgage twice in the past year, I was allowed to catch it up with Bi-weekly payments earlier this year. I fell behind again and attempted to do it again and have been refused to submit bi-weekly partial payments this time. I asked for a deferment and was told they do it, but do n't like to. I asked about it again today and they by-passed the question and told me, I had no option other that a full payment.. this was told to me by XXXX a supervisor with 21st Mortgage. at XXXX XXXX XXXX/XXXX/15

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX of XXXX, I contacted XXXX XXXX XXXX XXXX XXXX to retrieve furniture from a lease to own program. I was told to wait for a call from a manager to have the furniture picked up and lease ended. This never occurred. I was also told that I could not bring the furniture back to store ; it had to be retrieved by XXXX 's. I continued to call XXXX 's over the course of the next four months to have the furniture retrieved, which did not occur. Eventually, I had to move the furniture in order to keep it from being taken by the apartment in which I lived, as my lease ended. Finally, once I told XXXX 's I had moved this furniture, they came to the new address to retrieve it, and reported me as having a paid charge-off on my credit. I spoke with the customer service folks, and was told that they would not investigate the information. If I was to dispute this through the credit bureau, they told me they would simply send it back because they say it is accurate rather than looking the information up and providing the evidence. I have not disputed this with the credit bureaus at this point as a result of what the XXXX 's representative said about not investigating and simply returning it back to the credit bureau.

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 05/26/2017 about Mortgage (Conventional home mortgage) with AmeriHome Mortgage Company, LLC (DC).
Issue: Trouble during payment process

Complaint: My loan was recently acquired b y AmeriHome Mortgage Companys  loan servicing division.     I live in a roommate situation whereby my roommate contributes to the household by making a payment contribution towards the mortgage. We each write a check that when totaled equals the amount of the monthly due payment.     For example :  Amount Due  : {$4000.00 } ( n ot the actual amount, used for illustration ).     Payment  1  ( from roommate ) : {$1000.00} Payment  2  ( from me ) : {$3000.00} Total Payment Submitted : {$4000.00} I called AmeriHome indicating that I would like to send  two checks with one payment coupon each month totaling the amount due of {$4000.00}  I was unequivocally told that if followed this plan, AmeriHome would not ensure that the payments were applied properly, and that the system may not recognize the  two checks as totaling one p ayment.     This is not an industry standard.     I also contest  AmeriHomes  definition of partial payment. If I submi t two checks fo r the total amount due, that is not a partial payment. It is a complete payment using  two  payment instruments.

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 09/13/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: We have paid several different companies ( XXXX in Florida took over {$600.00} out of our checking to assist us ) to help us get rid of these XXXX student loans. XXXX is in the name of Father and XXXX is in the name of Son. The Ombudsman with U. S. Dept. of Education informed us, that both of these loans were used for our Son, who experienced a motor vehicle accident ( XXXX ) and NEVER received a DEGREE of any kind from XXXX, LA. To this Day, we have on our Credit Reports both : 1 ) XXXX 120 days overdue ( but the bill I get has Amount Due XXXX ) and 2 ) Navient 120 days overdue. How is it, that WE now OWE both companies. 
These loans should have been forgiven, as Son does not work, and father is UNEMPLOYED. This agency needs to control XXXX XXXX and all Loan Servers. Many parents with children, who want to go to college, is not fooling anymore with XXXX XXXX, who only wants to ruin your credit, will not cooperate, and are quick to turn you to a collection agency. Due to this situation, WE can not STAND the STATE of PENNSYLVANIA.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other fee

Complaint: Re : Foreign Transaction fees charged by Bank of America While making travel arrangements I recently had occasion to make purchases that apparently were processed in XXXX even though the companies involved do business in the United States. XXXX was the tour company XXXX and the other was XXXX. I was disgusted to see how much I had to pay in foreign transaction fees : a total of {$87.00}. This is not to mention other fees I have paid in the past for clothing ordered from a company in XX/XX/XXXX that does business in the US. 
I consider these totally unjustified charges. B of A is already making a profit from the fees charged the companies using their services. How can they justify charging the customers as well especially since these companies do business in the US and I paid in dollars?

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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been in a hardship program with Navient since 2012. I have been making payments without fail every month for almost 5 years. Despite this, it was reported to the credit reports that I am in default and because of this I am unable to get a mortgage. Additionally, I was XXXX last year, and when I called Navient to see about postponing my payments, as I would be on short term XXXX for the duration of my leave, I was told it was impossible. I had to choose between paying Navient or paying my electric bill. It is unfathomable that people who reached the goal of a degree but can not make ends meet. I hope that something can be done for people who are struggling to pay back loans and have a family.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Payday loan () with Big Picture Loans, LLC (OH).
Issue: Charged fees or interest I didn't expect

Complaint: Dear XXXX, It has come to my attention that payday loans are prohibited in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing to repay the principal balance of the loan. To date, I have received {$250.00}. have paid {$360.00}. The principal balance has been paid in full At this time I am revoking ACH authorization. You are no longer authorized to withdraw payments from my checking account. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian is not responding to any of my many requests to investigate, verify and remove accounts from my credit report/file that do not belong to me.

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 02/28/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Loan default was entered on my account on XX/XX/XXXX Due to said default, I incurred significant and  burdensome penalties of approximately {$15000.00}, not including interest, which I continue to pay off to this day. The default was entered in error as I timely requested an emergency medical forbearance prior to the date that the default occurred. 

On or about XX/XX/XXXX, I was admitted to XXXX XXXX in XXXX XXXX, California. I was struggling with XXXX and XXXX XXXX and due to my troubles, I was unemployable and unable to pay my student loans. At the time that I was admitted to the hospital, I was aware that my student loan account was near default. Therefore, after admittance to the hospital, I contacted AES to notify them of the situation. I was instructed to fill out a medical hardship signed by my doctor and send the form to them via fax. I did as instructed and sent the form to them prior to XX/XX/XXXX 

Approximately 30 days after being admitted to the hospital, I was discharged and returned home. However, when I returned home, I was notified of the default. I immediately contacted AES and was told that my request was received too late EVEN THOUGH I SENT THE REQUEST IN A TIMELY FASHION AS INSTRUCTED BY AES. The default and rehabilitation process was explained to me and although I disagreed with the result, I immediately undertook measures to start the rehabilitation process.

At the time, I did not have the strength to fight the default. It was more important to me to get healthy and resume my life. I did just that I have been XXXX  and XXXX for nearly 13 years and have been employed throughout that time period. I have made every single payment to AES. However, due to the increased financial burden and payment schedule, my debt to AES has barely decreased and every month it is a struggle to meet all of my financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I 've been a happy Citi customer for over a decade, however most recently there has an issue that arose from theft on my Citi checking account that led to problems with my credit report. This has been a very frustrating issue as I 've brought this issue up with Citi to no avail, and I find my credit score heavily tarnished due to a small missed payment, which in effect was Citi 's mistake. XX/XX/2015, my checkbook was stolen and my account information was compromised I was told by Citi to close the account and start up the new account. In XX/XX/XXXX I went to the Citi branch and started up a new account and closed the old account. Unfortunately, without my knowledge, the account was re-opened and then over drafted due to an ACH, which I was not aware of at the time. This account ended up being overdrawn and it ended up maxing out a small overdraft line of credit which had a credit limit of a few hundred dollars. On XX/XX/2015 when I was at the Citi Branch, only then was I made aware by the teller there of the old account not being closed and was still honoring old ACH 's and had a balance of {$38.00}, so I promptly made a {$750.00} deposit towards that account o make sure it did n't get overdrawn. So the account ended up having a balance of {$780.00}. However the teller failed to tell me that the line of credit linked to it had also not been closed and was indeed maxed out and past due. I only got alerted of this later when I checked my credit report, at which time I promptly paid off the line of credit. All the while in my new account, I had funds between $ XXXX- {$8000.00}, which were more than sufficient to payoff the overdraft reserve 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 07/25/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Ditech Financial LLC (NY).
Issue: Problem with additional add-on products or services

Complaint: Several years ago I was called and offered a personal loan on the telephone for XXXX from a company named GreenTree Servicing. I was told explicitly that it was a personal line of credit, a personal loan. I accepted and received normal bills and made payments. Aproximatly, one year later The bill started referring to the terms as a mortgage as though this was a second mortgage on my home! I had never taken out a second mortgage on my home with this company, especially at 13 % interest. They also failed to give me the rate that they promised which was about half. I contacted this company numerous times to no avail and to avoid bad credit I still paid the bill. Then they started misallocatibg the payments to only pay the interest on this personal loan which they now referred to as a Mortgage. Again, after so many calls a consumer can only take but so much. Subsequently, they then transferred my personal loan/ their supposed mortgage to Ditech who I still receive bills from and pay. At the same time, this said to be personal loan from GreenTree/Ditech which somehow attached itself to my mortgage then started coming with not only my name but my girlfriend 's name who is co-owner of the home. She had never been involved in this personal loan transaction. In fact, this entire transaction took place over the phone with no documents included to sign, all verbal. But again, she never had anything to do with this and I never agreed to the terms that they are referring to. My home had nothing to do with this loan. Without hiring an attorney how can I get this resolved as they are also now unwilling to modify or relook these terms and are now destroying my credit as well. This is blatant fraud and I feel extremely victimized. Thank you in advance for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have sent  XXXX ,  XXXX  and Equifax each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted.      XXXX / XXXX /   17  Mailed Address, Nam e, Work, Phone Number Information update. As of Mid   XXXX , only partial information was updated but old information was still being reported.   XXXX    XXXX 17  mailed another letter to  XXXX  and  XXXX  for all personal info to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: i had a issue with XXXX XXXX XXXX i dont owe any balance on the account but they put my account as fraud activity and reported to the consumer reporting agency and i have explain the issue what had happend that it wa a honest mistake my spouse had made he accidently deposit the wrong check and we had called next day to confirm the mistake and the bank of america supervisor had informed us that it should not be any problem it will just get returned check and get an fee. 
few weeks later we got a call from risk dept from BOFA stating that the account will be closed due to fraud activity? but we were informed by the customer service manager that it shouldnt be a issue so im writing this letter. 
please help us solve this issue. 

this was like in 2016 XXXX sometimes

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 10/14/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Deposits and withdrawals

Complaint: I received a check from Bank of America for a residual balance on a closed account. Inadvertently, I cashed this check, which was beyond the " Void after 120 days. '' Initially the check was paid to my account. Then, the amount of the check, {$14.00}, was removed from my account, and I was imposed a {$12.00} returned item fee. In general, I find Bank of America 's fees to be deceptive as they are not clearly advertised, yet they are imposed frequently. I find the returned item fee of {$12.00} to be unfair as it is Bank of America who owes the {$14.00}. It is predatory to not only keep my money once the check is void, but then to charge me {$12.00} when I try to claim the money that is mine.

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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Suntrust has made 4 hard credit inquiries on me and they show up on my credit report, resulting in a significant negative impact on my score. The hard inquiries occurred in XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I did not authorize any credit inquiries either in writing or verbally except for the HELOC reapplication in XXXX XXXX. Suntrust is refusing to provide proof of my authorization and is refusing the remove these 3 unauthorized hard inquiries from my credit report. In fact, they refusing to even document that will not remove and not provide proof. This has been going on for several months now, and I am getting stonewalled from branch, region and central customer service contacts.

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 10-05-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XX/XX/XXXX we put a stop payment on all transactions from XXXX XXXX. We then have our stop payment request refunded back to us on XX/XX/XXXX to then allow a check from XXXX XXXX for {$340.00} to go through putting our account into the negative big time. We never even were notified they were taking the stop payment off and then letting the payment from XXXX XXXX to go through. Talk about being crooked big time. this is very unacceptable.

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 11/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with my lender for a loan modification since early XX/XX/2016. I have submitted all documents requested and in the middle I was transitioning between a new job. I have sent in explanation of my new job which started on XX/XX/2016. To date I have only been paid one pay stub which was faxed over to the lender on XX/XX/2016. I am not withholding any additional pay stubs as I have only received the one pay stub provided. I am now being informed 3 days before the foreclosure sale of my home that I my application has been closed out for review because I am missing pay stubs for the month of XXXX, I have sent in an explanation that I had no pay stubs for XXXX as that was the beginning transition of my new job. They are now unwilling to postpone the sale stating there is not enough time, there would be enough time if they would postpone the sale and allowing me to send another pay stub from my next paycheck and keep the review open.

Company response to consumer: Closed
Consumer complaint received 05/20/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (AZ).
Issue: Struggling to pay mortgage

Complaint: Was I suppose to receive the response from the company dated  XX/XX/XXXX ? I never received that response in the mail or by email or by Ditech website. I only just viewed it on this site today Complaint Numbered #  XXXX . My Internet access is spotty so I ca n't often retrieve information/emails/etc. Further, when I 've gone on th e Ditech website this response was not post there either. Thus, Ditech has initiated fore closure process with a firm called  XXXX   XXXX   XXXX . Attached is my response to a letter  XXXX   XXXX   XXXX  sent me on  XX/XX/XXXX . Could CFPB please inform Ditech,   XXXX   XXXX   XXXX   XXXX    XXXX  and/or any of their representatives that they must actually respond to the complainer and not only CFPB. Had I seen this response several months ago, I would have initiated action on my part.

Company response to consumer: Closed with explanation