milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/30/2017 about Mortgage (FHA mortgage) with Alabama Housing Finance Authority (MO).
Issue: Trouble during payment process

Complaint: i bought a house in  XXXX  and the loan was sold to  XXXX . i have consistently received my bills with 3 days or less before it 's due. i am cynical enough to beleive that  XXXX  mails bills late on purpose in order to pressure people to pay online so the payment is n't late.   XXXX   charges the exorbitant amount of {$3.00} for an online payment. i tried to call  XXXX  3 times but the phone just rang with prompts to use their website. i have an email sent to them and i 'm waiting for a reply.   thanks,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX AND XXXX ON BEHALF OF BANK OF AMERICA HAS SERVED ME WITH JUDGMENT FOR THE ACCOUNTS THAT I ALREADY HAVE A PAYMENT PLAN IN PLACE ... 
BACK IN XXXX DUE TO FINANCIAL HARDSHIP I HAVE REQUESTED BANK OF AMERICA TO REDUCE INTEREST RATE ON THE XXXX CREDIT CARDS THAT WAS AT 46 % APR AND MY PAYMENTS WERE CLOSE TO {$1300.00} EVERY MONTH. I WAS TRANSFERED ALL OVER THEIR PHONE SYSTEM WITH NO LUCK WITH MY ATTEMPTS TO REPAY THEM. THEN BANK OF AMERICA CLOSED MY ACCOUNT AND REPORTED IT AS CHARGED OFF TO MY CREDIT. ON XXXX OF XXXX XXXX COLLECTIONS HAVE CONTACTED ME ATTEMPTING TO COLLECT DEBT ON BEHALF OF BANK OF AMERICA ( SEE ATTACHED LETTER ) AND REPAYMENT PLAN WAS IN PLACE. THEN ON XXXX XXXX, XXXX I WAS SERVED WITH DEMAND TO REPAY ON SAME ACCOUNTS FROM ANOTHER COMPANY XXXX AND XXXX ( LETTERS ATTACHED ). NOW ON XXXX XXXX, XXXX I WAS SERVED WITH THE SUPPENAT FROM XXXX AND XXXX REPRESENTING BANK OF AMERICA FOR THESE ACCOUNTS THAT I ALREADY HAVE A REPAYMENT PLAN AND HAVE BEEN PAYING TO XXXX. 
WHEN I ATTEMPTED TO CONTACT BANK OF AMERICA TO FIGURE OUT WHO AM I PAYING ON THIS DEBT AND WHY ARE THEY SUING ME WHEN I HAVE BEEN PAYING THESE ACCOUNTS I WAS TRANSFERRED ALL OVER AND EVENTUALLY WAS TOLD THAT THIS IS A CHARGED OFF ACCOUNT AND THEY ARE NOT COLLECTING ON THIS ANYMORE ... I 'M TOTALLY CONFUSED NOW. XXXX AND XXXX IS AGGRESSIVELY PRESUING THE COLLECTION EFFORTS THREATENING TO PUT ME TO JAIL IF THESE BIG AMOUNTS ARE NOT PAID IMMEDIATELY. PLEASE HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My HELOC with XXXX Bank is being reported as closed by the XXXX credit bureaus. I have been making payments on this account for over ten years XXXX last six months of statements are enclosed ). In XXXX I filed a complaint against XXXX Bank with the CFPB ( case # XXXX ) stating that my account was not being reported to the XXXX bureaus. XXXX XXXX XXXX responded by letter for XXXX Bank dated XXXX/XXXX/XXXX XXXX letter enclosed ) saying that they would take care of it. I disputed this response because although XXXX Bank started reporting the payments they still reported the account as closed. This is the current situation. The bureaus are reporting the monthly payments ( over {$2600.00} a month ) but still report the account as closed. On XXXX/XXXX/XXXX I contacted XXXX Bank 's Customer Solutions Department and asked to speak with XXXX XXXX but was told she does n't talk on the phone. 

I have disputed this account with all XXXX bureaus, even faxing in my HELOC statements while also pointing out that they are reporting the monthly payments but still reporting the account as closed. This has affected the average age of my accounts that affects my credit score. In XXXX I made the last payment on a six-year auto loan and the account was closed. The next month XXXX XXXX dropped my credit score XXXX points as my average age of accounts dropped to less than six months. This has affected my ability to refinance my HELOC which is in it 's repayment period. 

The timeline of this account started on XXXX/XXXX/XXXX when I opened this HELOC with XXXX, a division of XXXX Bank XXXX. On XXXX/XXXX/XXXX the servicing of this loan was transferred to XXXX XXXX XXXX, XXXX XXXX letter enclosed ). The HELOC was then transferred back to XXXX XXXX effected XXXX/XXXX/XXXX XXXX letter enclosed ). A letter dated XXXX/XXXX/XXXX informed me that XXXX XXXX was now XXXX Bank XXXX letter enclosed XXXX. 

ACTION NEEDEDThis HELOC with XXXX Bank should be reported as open with a 10 year credit history. 

Under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : XXXX 1 XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

I have contacted an attorney who has advised me to file XXXX more complaint against the XXXX credit bureaus with the CFPB. If this situation is not remedied I will proceed and file a complaint in XXXX XXXX Court for violation of my rights under the FCRA naming XXXX Bank, and the XXXX credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: To whom this  may  concern  I   XXXX   XXXX  sent a certified letter and fax to  XXXX  and  XXXX  on      XXXX   XXXX   2017. Th e letter was a paid for deletion to the company   XXXX   XXXX   XXXX   XXXX   XXXX  .  Current Creditor  : LVNV Funding LLC. the account was sold by   XXXX   XXXX   XXXX  . This letter stated that if the company agreed to cash the check that all the credit bureaus would delete collection off file the amount was  XXXX . I spoke with a  manager at th e company  LVNV and  he stated it would be removed.   XXXX   has deleted the collection from file but  XXXX  has n't. Also   XXXX   XXXX   is reporting the account inaccurate the account is paid so it looks like there are  two  charge-off on my credit. The only action that was taken by  XXXX  is the collection has  a   XXXX    b alance when it should be deleted per the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Mortgage (Conventional fixed mortgage) with FIRST AMERICAN FINANCIAL CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX I met with First American Title Company to process the closing of my mortgage refinance. Part of the deal, as stipulated by the bank, was for them to withhold some of the money owed to me and use it to pay XXXX credit card bills : XXXX and XXXX XXXX, around $ XXXX in total. 
As of today, XXXX, none of these bills was paid. Their representative, XXXX XXXX, did not return my calls for the past week, and yesterday, abruptly notified me by email that they put a stop payment on the check that they supposedly sent to XXXX and XXXX XXXX, and they will send replacement check to me personally, so I can forward these to the CC companies. He did not ask or receive my authorization to cancel these checks, instead refusing to take my calls and avoiding any communication with me. I questions whether these checks were timely sent at all. 
In the interim my CC bills risked becoming past due, and accumulate fines and interest ( I always pay these on time to avoid interest payment ) so I paid them myself. Not sure what to do with the checks that First American is about to send to me. They suggest that I send these to the CC companies, have them cash the checks, and then ask for a refund, once my account has a positive balance. This is time consuming and expensive. At the end it will take me over a month the recover the money due to negligence on the part of the title company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Checking or savings account (Savings account) with BANK OF THE WEST (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: My mother XXXX in XX/XX/1995 and she had supposedly left me some money in an account but my family will not tell me where it is and I think they are with drawing money from it. how could I find out if this is true. The last bank I remember my mother having an account at is XXXX XXXX or Bank of The West, I did go into XXXX XXXX when it was open on XXXX XXXX XXXX In XXXX Ca but they gave me a no answer but she looked untrue answer, can you help 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 12/22/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (VA).
Issue: Taking out the loan or lease

Complaint: I did not take out the loan, I have contacted them several times and to date nothing even XXXX will not help, I was in jail when the loan was taken out, before jail I was in the hospital having XXXX, i can give county info and hospital info, I cant be in two diffrent places, and last i checked i cant just walk out of XXXX to take a loan out. i have had id theft in past 3 years and that has been on my credit file and yet i never got a call, because at XXXX we cant answer the phone, please look into this, XXXX XXXX and XXXX XXXX XXXX on the dates

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I received a letter from Equifax dated XX/XX/2018 confirming an address change within the last 30 days. The letter stated that if I had any questions to call the toll-free telephone number and provide my PIN. I had been a member of the Equifax security breach and had placed a security freeze on my credit file. I spoke with a representative and explained that I had received the letter and it caused some concerns since the NEW address is an address that I have lived at for the last 12 years. The representative, without asking me any information told me to disregard the letter. I replied that was not a sufficient response and wanted to know why I was receiving the letter. It had caused me quite some concern because the letter could have been fraudulent and I was providing my PIN to criminals. I asked to speak with a supervisor. 
My conversation with the supervisor was even more disturbing. She could not provide me with an explanation as to why I was receiving a letter confirming a recent address change. I explained that Equifax during the last 12 years had to have my current address on file. She was extremely rude and told me, " Why don't you call your creditors and ask them why they notified Equifax of my address change. '' This made me even more concerned. I asked how can anyone but me contact Equifax to change my address. Even so, any of my creditors within the last 12 years would have had my current correct address. 
My complaint is that even with all the troubles Equifax has had within the recent years, they are still doing nothing to protect individuals personal credit files. When contacting them, they are not helpful. Their representatives are extremely rude.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX, 2015XXXX : Request for Investigation/ Debt Validation Request Re : XXXX XXXX Original Creditor : XXXX XXXX Account Number : XXXX : Chief Compliance Officer : XXXX XXXX XXXXThis is to inform you that I 've recently received my credit report and noticed that there 's a collection listing from your agency on my credit report. Experian Report Number : XXXX Dated : XXXX XXXX 2015. First and far most, I must advise you that, this same account was disputed numerous times, and never validated by the original creditor. ( XXXX XXXX ) Also enclosed for your review is correspondence, I received from XXXX XXXX, regarding this account. Dated : XXXX XXXX 2015. 

Since you now have acquired this inaccurate disputed account. I have never been notified by XXXX XXXX XXXX of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. I request an investigation for this re-inserted inaccurate account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit reporting () with EQUIFAX, INC. (RI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Dating back to XXXX 2015 I was contacted BY XXXX regarding my auto loan. They claimed I was not paying my loan and reported me to the credit bureaus. I tried to work with XXXX, providing documentation, including trace numbers from the bank and they sent me in circles for months. XXXX Bank advised me to file a complaint with all 3 credit bureaus. All 3 bureaus refused to investigate despite the substantiated documents that the lease was paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Billing disputes

Complaint: On XXXX/XXXX/XXXX, I closed my account with Bank of America 's XXXX credit card. After paying my final bill, I was left with a balance of - {$35.00}. I phoned BoA and was informed that I would receive the balance owed me by check. 
In XXXX, I received a new " bill '' statement with an account balance of - {$27.00}. BoA had passed through a new charge to my closed account on XXXX/XXXX/XXXX, of {$7.00}. I phoned BoA and was assured by them that the charge would be removed and I would receive a check for - {$35.00}. Instead of sending me a check for money owed, BoA continued to send me a monthly bill statements, each showing an account balance of - {$35.00}. 
That is until XXXX, when I received a bill statement from BoA indicating that my account balance had been reduced to - {$5.00}. On XXXX/XXXX/XXXX, BoA had passed through a charge on my long-closed account.. I phoned BoA for an explanation about this charge and why I still had not received the balance owed me. I was told it was an old charge. This was clearly not true. The XXXX XXXX - XXXX XXXX, XXXX statement shows a " Transaction Date '' of XXXX and " Posting Date '' of XXXX. Subsequently, I received a check for {$5.00}, dated XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX, I received another Account Balance from BoA : " You have a new e-Bill from Bank of America Credit Card - Elite Rewards. '' Given this history with BoA, which apparently has yet to completely close my account, I am worried about fraudulent use of my long-ago closed BoA XXXX account. 

How I can be made whole : 1- BoA should pay me the full balance owed of {$35.00}. 
2- BoA must completely close my account. I should receive proof in writing of that action. 
3- CFPB should consider investigating BoA for improper ( if not fraudulent ) billing practices.

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 11/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I called customer after applying for 2 XXXX cards and the representative stated that it is not approved as I have bad relationship with XXXX as my cards got closed in the past. However, none of my cards EVER gotten cancelled and in fact I have 4 credit cards with XXXX 

They sent me in a circle and I talked to 5 representative up to the Manager 's manager.  And even then they would not help as they assumed the worst in me. My payments and everything are in perfect standing.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Student loan (Non-federal student loan) with AES/PHEAA (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Hello : I am a cosigner on XXXX of my daughter 's student loans serviced by AES. Over the past few months, I started receiving from AES a XXXX-page stack of documents each month in the mail that includes : Direct Debit Extraction Reminder ( do n't care ; it 's not coming out of my account ) Loan info. ( have access to it online at any time and do n't need or want to be notified unless there is a problem like a past due amount - which there never has been ) Over XXXX pages of boilerplate ( which I definitely do not need to see each month ) Three times, I faxed requests to AES asking that AES quit sending this to me and to only contact me if there is a problem ( see attached for communications with AES and proof that AES received the faxes ). They will not stop sending this junk and have never even acknowledged my faxes or concern, with the exception of a form letter that did not even address my concern ( also attached ). 

I do n't want my mailbox bombarded with junk I do n't need or want. I 'll also point out that the mail is inherently unsecure, and AES is negligently putting unnecessary information in the mail to me that would greatly help an identify thief if they got their hands on it ( which could happen anywhere along the mail chain ). AES is unnecessarily putting me at risk, and I do n't appreciate it. I want them to stop mailing this to me. 

Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Struggling to pay mortgage

Complaint: Short sale is in the process of negotiations and  Nationstar  proceeded with a foreclosure. Tenant occupied and did not give proper notice or offer move out assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: There was a check I received from XXXX XXXX XXXX, whom I assume was legit. I deposited into my Bank of America account. The check was never used nor was really deposited into the account. I soon fined out it was a scam and I tried to resolve the issue with them and they have not helped me I have been fighting this and have gotten no where. The check was a scam.

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 08/29/2017 about Student loan (Private student loan) with AES/PHEAA (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I am totally and permanently XXXX due to an auto accident, hit and run. I receive XXXX XXXX XXXX. American Education Services ( servicer of my school loan ) And XXXX XXXX XXXX XXXX XXXX ( holder ) refuse to do ANYTHING to discharge, forgive or even lower MY debt. They actually increased the interest rate. XXXX, a different servicer forgave my private loan in XX/XX/XXXX. The US Dept of Education forgave all of my federal loans in XX/XX/XXXX and XX/XX/XXXX. 
I have attached documents : Physicians Certification Social Security Award Letter US Dept Ed cancellation of Debt XXXX Notification Waived Loan XXXX XXXX Acknowledgement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I ran my credit reports through annual credit report site and Experian reports did not work. XXXX to Experian site and ran report then tried to dispute information. Online dispute from Experian does not work.

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 08/14/2017 about Debt collection (Private student loan debt) with AES/PHEAA (PA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX XXXX, This message is in direct response to your reply of my CFPB Complaint. Please explain to me where it " requires '' your organization to make constant follow-up calls and emails regarding delinquent accounts. Under what law or statute is this completely legitimized? My question is of particular interest if I 've called to make payment arrangements. The CFPB has also posted a few key points of interest where harassment is imposed when debts are attempting to be collected. Some examples of harassment are : Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone Obscene or profane language Threats of violence or harm Publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) Calling you without telling you who they are Please provide me with this information, because I do believe if I 've contacted your company to let you know when a payment is being made ( if it 's within 30 days being past due ), that I have the right to be free of any communication from your company. Please also keep in mind that the CFPB posts this message along with the examples above : You can also sue the debt collector for violations of the FDCPA. If you sue under the FDCPA and win, the debt collector must generally pay your attorneys fees and may also have to pay you damages.

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. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.

Company response to consumer: Closed with explanation