milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2016 about Mortgage (Conventional fixed mortgage) with PLANET HOME LENDING, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: This will be my second complaint about Planet Home Lending, they can not seem to process payments correctly. After my loan was purchased from my original lender, extra payments were not applied to the principal they were put in a " hold '' account until a full payment was reached, then applied, after numerous calls with no results, I filed a complaint with the CFPB, # XXXX, that seemed to have solved the extra principal payment problem.Now after making my regular mortgage payment for XX/XX/XXXX, by chance i logged on to my bank account todayXX/XX/2016 to find that the payments were returned to my account. After calling the lending company they informed me that they changed there billing system and my payment was kicked back? They never notified me that there was a problem with the payment, if i would n't have checked my bank account my payment would have been late. They did accept my payments and wave any fees involved with paying over the phone. But for a company to change THERE billing system and not notify the customer that something may be wrong because of a change THEY made is ridiculous. The CSR told me they notified my bank, well that 's nice but I am the customer, not my bank. Through my dealings with this company I see them nothing more as a shady operator trying to make money on late fees caused by THEM and interest on extra principal payments not applied to the account until a full payment is reached, as in my first complaint about them.

Company response to consumer: Closed
Consumer complaint received 04-04-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In XX/XX/XXXX I notice a Bankruptcy # XXXX that showed up that I know for a fact does not belong to me. I notified Equifax and they claimed it was verified. This can not be true because I called the court and the had no idea what I was talking about. They had no file on me and said Equifax never notified them or verified anything about me. I want this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have undergone a serious life threatening XXXX XXXX requiring extensive XXXX, I informed the bank of this and requested that I not be charged any fees for holding my money during this time or I would like those accounts closed instead of being charged ; the banker agreed. I was shocked to emerge out of XXXX to see that my account was overdrawn by {$100.00} or more!

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 01-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: On XXXX/XXXX/XXXX, XXXX apples for an American express gold card. Which was my first card as far as obtaining with credit. I was uninformed or did n't have the knowledge that this particular card was a charge card and had to be paid within 30 days. Had I known I would have not applied for this card. I assume that you could carry over a balnce and just pay the minimum balance due or a little if able to. Once I receive my first statement and spoke to a representive a month later after making charges that I thought could carry a balance. I then informed that this is a charge card and it could seriously damage my score when it reports my utilization to the credit bureau 's. Unfortunately my job has cut my overtime and I am not working the minimum hours. My gold card limit had decreased a month later which is better for me with a limit now of {$3000.00}. I am unable to pay the previous balance of {$5000.00} and much time is needed and also the monthly installment payments are to high due to the over due balance. I do not want my account closed nor do I want a charge off or my credit suffer because of this misunderstanding. I am trying to work out a resolution without the account being closed. As I stated I ca n't afford the high payments for the gold card that s split into two payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello All, XXXX Report I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: we has a bankruptcy that was discharged in 2006, however it continues to show on our credit report. We need this removed immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Consumer Loan (Vehicle loan) with Go Capital Holdings, LLC (OH).
Issue: Problems when you are unable to pay

Complaint: I am a Veteran currently being seen by the VA for XXXX. I was unemployed for a short period of time and now have a job that only pays $ XXXX. I have fallen behind on my car payments and need the company to work with me so that I can keep the car and continue to work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This complaint was resolved by its removal from Experian on XX/XX/XXXX. This was my Case number : XXXX How do I get it removed from Transunion and Equifax? 

I am disputing the only adverse account on my report, which is XXXX # XXXX ( XXXX XXXX ) for the amount of {$410.00}. This entry is totally fraudulent and I am requesting that it be removed immediately. 
Here are the facts : XXXX failed to provide service for the amount which was agreed to, and subsequently terminated my service after ten months of service. XXXX broke the agreement by not only overcharging me every month but also by terminating my services on XX/XX/XXXX when my bill was paid in full thru XX/XX/XXXX. 
On Friday, XX/XX/XXXX, at approximately XXXX XX/XX/XXXX., when I called to complain about fraudulent charges being on my bill for the tenth month in a row, XXXX immediately disconnected my services even though my bill was paid in full thru XX/XX/XXXX. I can only assume that XXXX was tired of my continual complaining about the fraudulent charges every month so they decided to terminate my services when I repeatedly complained about the fraudulent charges. 
When I noticed that the services were turned off, I called XXXX back to again complain and I was told that the services had been disconnected and that I would receive a credit for the remaining eleven days on a final bill. XXXX owes me {$14.00} for disconnecting my services on XX/XX/XXXX when my account was paid in full thru XX/XX/XXXX. 
I owe XXXX nothing!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2017 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: As of today, XX/XX/XXXX, Carrington Mortgage has STILL not provided any information about my loan, despite acquiring it in XX/XX/XXXX. I have STILL not received a XXXX as required by FEDERAL LAW. I have no idea why they continue to add late fees to the account because they REFUSE to send monthly statements. I have recently provided them with proof of insurance, but have been told that they will continue with the forced coverage placed on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was a young naive XXXX XXXX XXXX. I attended XXXX, XXXX, XXXX and XXXX. At all of these institutions I was encouraged to take the maximum amount of both federal and student loans and do not have a degree. At XXXX I was encouraged to take the maximum amount allowed on both federal and private by a Financial loans Specialist named XXXX. She would ask for money for helping us get the most money we could. We all would get at least XXXX XXXX dollars after loans payments were disbursed. This was happening for a high number of us attending the location in XXXX TN. I am now XXXX old no degree and over XXXX in federal and private student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was purchased by LoanCare XXXX two months ago. Since I have received poor customer service from this company, and now my monthly mortgage rate just went up by $ XXXX/month. I called and the customer service representative could not even start to explain or understand why my monthly payment went up by {$55.00}. I was much happier with XXXX Bank before they sold my loan. Everything I have read online about LoanCare says they are not a good company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Payment made in full but 2 hours past deadline ( XX/XX/XXXX @ XXXX ), was charged {$100.00} interest fee. Was upset that they would n't remove the charge so closed account after paying next bill on time on XX/XX/XXXX. Trying to pay remaining balance this month, was charged an additional interest charge of {$77.00}. Company is  claiming in customer chat that they charge interest for 2 months after a late payment even though I was a customer for around 10 years and this has never been the case. I believe they are just trying to stick me with a fraudulent fee because I am ending my customer relationship with them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Closing/Cancelling account

Complaint: Bank of America closed my account even though I notified them back in XXXX XXXX that I am a victim of id theft which I have proof of but they told me they did not need it. I have a few accounts on my credit reports that are not mine. I had this card for 15 years and I always try to have contact with them. In XXXX XXXX and late XXXX Bank of America 's credit analysis did not post my payment in a timely manner, it states they wanted funds availability even though I let customer service know that I was making XXXX payments on my account. The credit analysis department claimed the amount was suspicious and they had to call my bank even though I did not bounce a check with them at that point. This also happened in XXXX also claiming funds availability even though I did not bounce a check with them. I did complain about it to Bank of America but they claimed that I was lying. I called customer service and they did not know why my payment was credited properly, they told me to contact the credit analysis department which I did. I just received a letter yesterday dated XXXX/XXXX/XXXX they are closing the account. I am a victim of identity theft which is why my credit score is XXXX, my score used to be XXXX. I have told Bank of America about this twice, I need my credit reopened because it will affect my score. Bank of America was notified by me and I offered to send proof but refused. It would be different if I never talked to them about it. My credit report is not an accurate way to determine whether or not I pay my bills at this point due to identity theft which can take up to 2 years to solve.I want all negative marks removed because they were notified of the id theft but ignored it.

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 11/29/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX XXXX, I attempted to make a transfer through XXXX XXXX using my debit card. XXXX declined the transaction due to a mis-match on my phone number, though the {$83.00} was charged as pending to my BOA account XXXX ( RT ) XXXX ( acct ). I called XXXX XXXX to instruct them that the transaction was approved and already posted XXXX as pending. They advised that they showed no {$83.00} transaction pending in their system. 

They participated in a 3 way all between myself and BOA to explain why the transaction would not be processed by XXXX. The BOA representative told me to call back on Tuesday ( today, XXXX XXXX, XXXX ) if the pending transaction for {$83.00} was n't refunded to my account. NOW the associate tells me that I ca n't have my money back until Friday. 

This is {$83.00} authorized, but never captured from BOA ... you still have the money. There is no reason why this error should be withheld from my available balance for a week. 

The pending transaction is UNAUTHORIZED as a transaction that will never be processed. Under Federal Regulation E, I have the right to that money right now. At the time of the 3-way call, BOA confirmed that all these instructions would be noted with the transaction, which appears not to be the case. I was told by BOA ... it 's just a computer, beyond any human control to change it.

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 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XXXX XXXX, XXXX I spoke with a XXXX customer service rep as to why my report had not been updated with Equifax since XXXX for XXXX 's reporting. She double checked with their reporting department and said that they did submit the reporting to the credit bureaus already in XXXX ( but did not have a specific date to tell me when and was unwilling to go ask that department any further questions ) and said I had to contact the credit bureaus directly to find out why they have not been updated. XXXX XXXX, XXXX I spoke to an Equifax phone rep with the employee ID : XXXX who clearly told me multiple times that XXXX has not in fact submitted any update in XXXX or XXXX yet to report for XXXX. XXXX is being willfully non-compliant and completely unhelpful to resolve this issue as I take the accurate reporting of my credit seriously and require it to be kept up to date as the laws require.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm very perplexed that after me fighting for my home i was granted an n house modification by nationstar mortgage but problem i have is that I 've never spoken with this loan specialist that was a singed to my file he only left me massages without explaining what i needed to do or what type of loan i was getting he just left a massage telling to sign and the money back with the documents so i hire an attorney to look over the document cause i did n't understand what the adjustable arm entailed which is my right i want my home i want to be treated fair i work everyday and can afford my home i just do n't want to be back in the same situation that i already in my attorney he sent the documents with last week please correct the problem so i can move forward and give me some who 's going to return my call as well as speak with when theres a problem i have a signed agreement i do n't want to deal with XXXX XXXX who want speak with me directly its always has been through massage and this is n't business when i need answers right then and there

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Debt collection (Credit card) with Moss Law Firm, P.C. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: None of your examples fit my inquiry so I just tried to choose something similar. I was sued like many individuals for an alleged credit card debt and received an ABSTRACT JUDGMENT I in XXXX 2011 by XXXX via attorney XXXX XXXX XXXX. In Texas a Homestead is exempt from an AJ, However the AJ does not reflect this on the document. I started to look into selling my home and learned that I would be expected by research into title companies to pay off the AJ as it allegedly clouds the title. AS Texas law is specific this is excluded. There are hundreds of AJ issued by this financial institution but also others such as XXXX XXXX, XXXX, XXXX, XXXX are just a few. The one commonality is that none denote in the AJ that the homestead is excluded. If any of these or other financial institutions have recovered the alleged debt by means of the Texas Homestead exemption in my opinion have potentially and currently could be still collecting under the guise of clearing an alleged debt which is know to be in Texas. Yes many have and continue to receive these AJ. I believe that these institutions along with their lawyers need to issue corrected AJ which states clearly that a Texas Homestead is excluded. I also believe that it needs to be investigated as to collection on any release in the time filed as aaaaan AJ carries a timeline of 10 years and can be renewed for another 10 years. So the statue of limitations should still be valid and the institutions that have collected should feel penalties and reimburse any party that they gave the impression is owed through their homestead by misrepresentation. I realize that Texas is a large state but the law is specific

Company response to consumer: Closed
Consumer complaint received 05-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: CITIBANK- I made an online payment XXXX from my Bank ( as per normal practice many times ) - date- XXXX XXXX 2017. For some unknown reason Citibank did not apply those funds to my CC statement. YET- it was taken from my bank - I have all the transaction ID 's to show for this. Yes- there were sufficient funds in my bank account.YES they sent me an email confirmation. After NUMEROUS calls and on-line chats- Citi have not explained why the funds were not deposited to my CC nor can they can confirm where said funds are. One call agent advised it has definitely been returned to my bank on the XXXX but it has n't. I am getting conflicting reports on where the XXXX is or why indeed it was not accepted. I make these payments via this online system every month since joining Citi Credit Card.I reported this to XXXX but they insist no money has been returned and the XXXX was paid to Citi via ACH on line payment and i have to fight it out with them. As of today 's date XXXX/XXXX/2017 my last chat online advised ( brief version ) replies with another conflict of information " Citi will tries to pull the funds for the three time from your checking account -we have placed a hold on this payment until it has cleared the bank. We expect the payment to clear and post to your account on XXXX/XXXX/2017 ''. REALLY!! how can they hold my funds in Limbo for over 7 days? and am I to really now wait ti see if it magically appears on the XXXX XXXX. I am somewhat appalled, frustrated and upset with this situation. Any advice would be most appreciated. THANK YOU

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 10-07-2017 about Credit card or prepaid card (Gift card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: Bank of America violates the law by refusing to dispute a charge On BOA mastercard XXXX XXXX XXXX XXXX claim that was initiated for a transaction from XXXX in the amount of {$39.00} that posted to the account on XXXX XXXX, XXXX. Resolution sought is IMMEDiate permanent credit of {$39.00} and finance charges.

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 10/31/2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: My mother XXXX away XXXX XXXX, XXXX. Her name is XXXX XXXX XXXX XXXX. My step father is in a XXXX home and is incapable. I received power of Attorney in XXXX XXXX. After researching their checking account, I I discovered monies being taken from their account that should not have been deducted. XXXX XXXX has refunded about {$6000.00} due to all the areas. I have requested on nine occasions bank statements from XXXX XXXX to XXXX XXXX their were unauthorized deductions from their account due to my mothers untimely XXXX and also my father being a XXXX vet. I estimate they still owe my parents {$5000.00}. XXXX XXXX was deducting {$140.00} from my parents account that was fraudulent. They said my mother requested the accidental insurance during her death. She had already expired. They refuse to work with me to get my mothers final reimbursements for fraudulent charges and items that should have never been deducted due to her XXXX. They keep sending me on a goose chase. They refuse to refund additional monies. They told me that they do not keep Bank statements past 2 years.

Company response to consumer: Closed with explanation