milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Application, originator, mortgage broker

Complaint: My name is XXXX, and I have been working with Bank of America 's home loan team for the past few months regarding a refinancing of the home loan for my second residence down in XXXX, FL. 

My loan application was rejected by BOA on XX/XX/2016 due to the % the of investors in the complex being above some predetermined threshold set by some agency. 
My frustration in this whole process is three-fold : 1 ) At no point during the home loan process was this ever identified as a potential risk. I would think that the loan originator ( XXXX ) or someone in loan processing ( XXXX/XXXX ) has done a cash out refi on a multi-family dwelling, and they would know that this was a potential issue. 
2 ) My closing date was pushed back 3 times and I was informed of the rejection the day before my 3rd closing date. This has left me absolutely scrambling as I am now having to start this whole process again nearly 3 months into it. 
3 ) When I was informed of the decision, no one from BOA advised me as to alternative solutions nor what the next steps are from here. XXXX provided me with the bad news, and she committed to connecting with me that week to discuss if there were any other options available to me. I have left dozens of emails + Voicemails with XXXX, XXXX, and XXXX since XX/XX/2016, and none of those individuals nor anyone from their team has responded back to me. 

I have been a very loyal BOA customer for over 15 years, and I have never had such a negative experience with this organization as I have had during this process. I have spent nearly {$1000.00} on appraisals and fees with nothing to show for it. 

I financially support my XXXX mother, and the money from this loan has been earmarked for her medical expenses. We are now having to delay appointments and treatments until I figure out a financing option ... .all of this occurring during the holidays. 

It is equally maddening that BOA states that customer service is a priority, and all of these individuals ' voicemail indicate that they will return the call within one business day.

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 05-02-2017 about Debt collection (Private student loan debt) with Williams, Rush & Associates, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was contacted by williams, rush & associates today. Today was the first day I was informed of a debt from   XXXX   XXXX   XXXX   representative of  XXXX   XXXX   XXXX   I told them this was a mistake and I have been trying to contact  XXXX   XXXX  to fix the problem but they are not returning my phone calls. I told  Williams , Rush & associates t hat I would be willing to make payments until this mistake was resolved. They refused to accept anything I offered, and demanded I only pay by credit card and only allowed to pay half the amount. They are refusing to send me anything in writing, such as a bill or legitimate statement unles s I payer % 50 of what I owed on the phone today. This is the first I ever  heard of this debt, including from  XXXX   XXXX . This debt collector is being very unresonable, and I would imagine this can not be legal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit reporting () with LEXISNEXIS (IN).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I recently divorced and was rescored for my insurance rating and due to information provided to them by a company called LexisNexis that interprets my credit information for the insurance company my rates were raised. Their report to the insurance agency said that I have Accounts with Delinquency, Length of Time Accounts Established, Number of Revolving Accounts and that the length of Time Since Accounts Not paid as Agreed. My response to LexisNexis was1 ) I have had only XXXX 30 day late in the last XXXX years. 
2 ) I 've had credit for XXXX years and the " youngest '' active or cancelled account I have is XXXX and the oldest is at least XXXX years old. 
3 ) I only have XXXX revolving accounts, XXXX are store cards that are rarely used, XXXX card for work and XXXX that were personal. All accounts have credit limits over {$5000.00} that never go above XXXX and are paid off monthly4 ) It 's been XXXX years since my only late payment ( XXXX days on a XXXX XXXX Revolving Store Card ). Is that not long enough since my last delinquency? The mortgage company did n't hold it against me. 
The biggest problem with this issue is that LexisNexis interprets data for the insurance company that then provides me with a rating and insurance premium based only on the " issues '' reported by LexisNexis. The rep I talked to today at LexisNexis said that my " issues '' make me a high risk for a claim. Since I 've divorced recently I also had to get a mortgage. The mortgage was obtained with no problem since I have an excellent credit rating and history plus a XXXX middle score. How can my credit make me a high risk for insurance claims but a fantastic risk for a mortgage. Does LexisNexis earn extra or benefit in some way for reporting me in such a negative light? After a lengthy conversation with the insurance company it seems that the only problem with my insurance rating is the report provided by LexisNexis. The insurance company has confirmed that my claim history is good ( no claims in over XXXX or more years ) and I 've been continuously insured for over XXXX years. The score with my ex-husband was a XXXX even with my better credit history and his at-fault accident. Please help me to resolve this issue and get the rating I have earned. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In   XXXX  , after Hurricane  XXXX  I applied for and granted a forbearance ( Disaster Relief ) by  XXXX . As stated in prior complaints this company is very deceptive, I have been notified by  XXXX  credit reporting agencies that my payments for the  XXXX  months for forbearance are now being reported as 90 days late. This has tremendously brought down my  credit score.  I spoke with the Ombudsman from  XXXX  who assured me, as well as apologized  XXXX  times. That my credit would in no way be effected, these payments would go on the end of my loan. However, this is not the case. It has also been reported that they were late payments made in  XXXX  and  XXXX  that are not true,  XXXX  said these should have been removed in  XXXX . Looks like that was another lie. I am suffering from  XXXX   XXXX  and the undue stress of their practices is wearing on me. I think  XXXX  needs to understand everyone is not going to stand for their bad practices.     I would like this resolved ASAP, as I look for another mortgage company to service my needs.

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 01/26/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I respectfully request full investigation and based on the information I have provided I request the Midland Credit Management , Inc. / Midland Funding LLC be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. Midland Credit Management Inc. needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sale, Affidavit from original creditor verifying the Bill of Sale, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I Left service provider XXXX XXXX XXXX, I left within the 30 days I had right to cancel within 30 days for a full refund provided I also turned back in the phones. I had canceled before the 30 days, and now I am being charged an early termination fee. I also turned in all the cell phones back to this provider, and I am still being charged I was sent to collections. This is invalid.

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 04-06-2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Other transaction issues

Complaint: On XX/XX/2016 Paypal limited my account due to activity changing. I uploaded requested information, and they reviewed it. Upon calling customer service, they have been unable to give a valid factual definition of why account was limited, or describe any type of activity that increased risk. Upon review they requested further information which I have provided through multiple means. I have emailed, uploaded, emailed, and uploaded multiple times. Paypal continues to spin in circles and hold my money, not allowing me to access it without any logical reason. 

At this point, Paypal has denied me access to my funds of {$4400.00} since XX/XX/XXXX. I have recently been emailing, and calling daily with no resolution. Paypal is continuing to withhold customers money for arbitrary means, similar to a recent class action settlement. They provide no relief, do not respond to emails, upload submissions, or provide any resolutions. They are wrongfully withholding valid funds, in order to use the funds and profit off of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2018 about Debt collection (Medical debt) with Transfinancial Companies, Inc (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Did not receive notification of debt. I was unaware of balance being forward to me she to insurance being applied. This item is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My credit information was grossly misused by Equifax. I am a victim of the recent security breach, and now am having to take numerous steps to try, and protect myself due to Equifaxs unbelievable negligence regarding customer security. This has not only affected me, but my husband as well. Along with 143 million other Americans. I have been working hard to build my credit, and now I have to worry about someone taking all of that from me due to Equifaxs negligence. Not only do I have to worry about  someone tanking my credit score, but I have to worry about the possibility of fraudulent tax returns in my name, or someone emptying my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX XXXX I checked my credit file and I had no inquirys to date. I checked today and there wefe XXXX new inquirys that i did not authorize. Except for 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 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This consumer complaint is filed because there is a negative credit item that was charge-off, but remains on my credit report beyond 7 years from the date of first delinquency. Any collection agency that may end up with the charged-off account must comply with that same Date Of First Delinquency. 

Be advised that a dispute was filed with XXXX, XXXX, and XXXX credit reporting agencies alleging that XXXX XXXXXXXX XXXX 's tradeline is being reported by XXXX XXXX beyond 7.5 years. See EXHIBIT-1 and 2. 

1. Between XXXX and XXXX XXXX XXXX XXXXXXXX reported to XXXX that the Date Of First Delinquency is XXXX XXXX. Accordingly, XXXX in response to my notice of dispute has removed all references to Select Portfolio Servicing Inc. account number XXXX, in compliance with FCRA. 
2. However, XXXX and XXXX declined to remove the negative account as required by the FCRA 7.5 year requirement. Therefore, we ask the CFPB Tribunal to compel XXXX, and XXXX to reconcile my credit file as to account number XXXX to be consistent with that of XXXX. 
3. XXXX XXXXXXXX XXXX sold account number XXXX to SPS Inc. as of XXXX/XXXX/XXXX which clearly state the intent of XXXX XXXXXXXX XXXX and its expressed date of first delinquency as " XXXX XXXX '' which also applies to SPS Inc. account number XXXX as well. 

4. SPS inc. has changed the Date Of First Delinquency by erroneously suggesting and reporting to the CRA 's that a loan modification has taken place between SPS IncXXXX and XXXX XXXX and XXXX XXXX XXXX. No such modification occurred as XXXX has correctly reported, the XXXX is ( XXXX XXXX ). 

5. Be advised that the original creditor, XXXX XXXX XXXX 's tradeline no longer appears on the same credit report that the collection agency, SPS Inc. 's tradeline appears on. 

6. The account has been illegally re-aged. Under no circumstances should a collection account for a debt remain on a credit report after the original creditor 's tradeline has aged off the report. The reporting period applies to both the original creditor and its collectors simultaneously. If no original creditor on any of your credit reports matches the collection account, the debt has been re-aged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Debt collection (Other debt) with AFNI INC. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: After numerous attempts to have the debt collector to remove my name from their files, and reporting negative information to the reporting credit bureaus, such as XXXX, XXXX and XXXX XXXX. The collection company named AFNI has harmed my reputation and harmed my credit worthiness. After the mutual agreement with the original company XXXX, I had established many years ago, concerning the equipment use and the incurring fees and charges, would be established by tenants who remained in use of XXXX 's services and use of their equipment. XXXX was fully in compliance with such agreement. Years later I 've been notified, by AFNI that I owe them in a disclosed amount. I have repeatedly with unsuccessful attempts to dispute these claims by AFNI, with not positive results. I am therefore ; calling for a thorough investigation into the practices of the company named in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I honestly dont think i was the only one affected. Notice its NOT + {$9.00}, its a debit of {$9.00} Wells fargo basically LOST {$9.00} of mine in my CROWN checking account & can not give an answer as to its whereabouts! This has been happening in my bank & im busy just like everyone & have no time to moniter a bank whos reputation is infraction after infraction of fraud. 


Last night at XXXX i deposited a {$100.00} bill in wells fargo crown checking to cover my reacuring mortgage with them of {$1000.00}. 
& That {$100.00} bill deposited shows as pending, yet its cash, its there in the balance. Still WHY pending? 

But below is the main problem.. 

& second my balance before the {$100.00} deposit was. {$1000.00} & after the {$100.00} bill deposit, the balance showed {$1100.00} on the ATM & on the email receipt i received. 

Now this am my crown balance is {$1000.00}?? 

Thats {$9.00} missing & i see no evidence of the {$9.00}. Not in the wells fargo app, not in wells fargo online, no where. 

I just closed the phone after calling wells fargo & they have NO CLUE where my {$9.00} & XXXX there starts insulting my intelligence asking me if made a transaction for {$9.00} & said it could take days to post??? REALLY?? 

wells fargo posts debits IMEDIETLY, i have all documents to proove my complaint is valid. 

Last week the woman at wells fargo said they are having information problems. You can see how little money i have

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 10-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked after I reviewed my XXXX, XXXX and XXXX credit reports and saw that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time. 

I do ask in light of the good standing relationship we have that you remove any late payments from my credit report and refund me any late fees that was added to my account. I do not believe it is accurate and did some research on some laws called the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ) and also XXXX XXXX guidelines set forth by the XXXX XXXX XXXX XXXX ( XXXX ) which I could use to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Debt collection (Credit card debt) with U.S. BANCORP (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: A XXXX XXXX XXXX XXXX FROM XXXX XXXX XXXX WILL NOT STOP CALLING MY PLACE OF EMPLOYMENT ..I HAVE REPEATEDLY TOLD THEM NOT TO CALL MY EMPLOYMENT AND TO CALL MY CELL PHONE ONLY..THEY XXXX ME TO THE POINT I DO NOT EVEN ANSWER MY PHONE..AND BLOCK EVERY SINGLE NUMBER THAT IS UNKNOWN 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 non-monetary relief
Consumer complaint received 10/19/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XX/XX/2015, I filed an dispute with Experian and advised Experian that voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX, XXXX and XXXX were currently reporting in my credit file. More importantly, I advised Experian that their is not any clear language in the statue that states voluntarily dismissed chapter XXXX bankruptcies should be included in a consumer credit file and to delete the voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX,XXXX and XXXX and supply me with and updated credit report. I advised Experian my mailing address is XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, NY XXXX. I never received an response from Experian. Subsequently, I filed a second dispute with Experian on XX/XX/2015, and advised Experian that they never responded to my dispute dated XX/XX/2015, and it has pass the allotted time for disputes and they are in violation of the FCRA, and the XXXX voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX and XXXX should be immediately deleted off my credit file, and to provide me with an updated credit report. Furthermore, I advised Experian that my mailing address is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. I never received an response from Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My account balance is currently reporting to all 3 bureaus as over the credit limit. It is not. In fact I'm only using {$7.00} of the {$300.00} credit limit.

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 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit card payment to XXXX on credit report marked late. Not in fact late. Confirmed that XXXX did not report the payment as late. See attached. One credit bureau already removed the entry.

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