milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Late payments being reported by XXXX are not accurately reported. There are discrepancies varying from each of my credit reports to the next, they are not even reporting the same late months and years as the other. And there is no way that it 's possible to be late for a payment ( s ) on my account but not actually late that same month and year with the same account, as listed on alternating credit reports. The dates listed as late for 30, XXXX, or 120 days late are not correct. On XXXX credit report it 's only listed as XXXX times late while the other listed as XXXX times reported late etc.

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 11/16/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX I disputed information on a Bank of America Home Loans account that had been sold to XXXX Bank XX/XX/XXXX. The reason for the dispute was because the Bank of America account still had a status of " Open '' even though the account was sold four years earlier. Prior to creating the dispute with XXXX there had been no missed payments on this account as payments were being DEFERRED for 10 years from the initiation of the loan. XX/XX/XXXX the investigation was completed and correctly changed the status of the account to " Closed ''. However, XXXX now shows that I was delinquent on this account for over 120 days. I have asked XXXX to dispute with Bank of America multiple times but you ( Bank of America ) insist that I was delinquent on this account. 

I have sent letters to XXXX and Bank of America with the above and I still have n't got a response from Bank of America. I received a response from XXXX stating that the negative information on my account is factual. 
I have called Bank of America and state they ca n't provide me account access to my previous XXXX that I had because the account is no longer open.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit reporting () with NAVY FEDERAL CREDIT UNION (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: NFCU has been reporting erroneous credit lines on my credit report for months now, by reporting the same derogatory information on multiple lines. I have contacted NFCU several times about this asking them to remove the erroneous information from reporting numerous times, hurting my credit score. They continuously tell me that they can not do that, that I need to contact the credit bureaus, however, I tell them that they are the ones reporting this information monthly. They refuse and they continue to report this information monthly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (MN).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX, I was notified via letter that my property taxes for the second half of the year hadn't been paid. This was unusual because I pay an escrow fee to my mortgage company ( 5/3 bank ) and they pay my bill. I am never late paying them and they have never been late paying my taxes. I called and spoke with a woman named XXXX ( from XXXX county ) and she told me the story ... XXXX county billed the wrong person for my property taxes, that party paid, then realized there had been a mistake and taken back ( or had the money refunded ). 

Since this date I have made numerous calls to my mortgage company with no resolution. I have also made a number of calls to XXXX County were I have received no help. I have been asking for XXXX County to resubmit to tax paperwork to the correct entity my bank. They refused to do so on a number of occasions. I have asked the county to call my mortgage company. They refuse to do that as well. 

I have also made calls to 5/3 bank. I called on XX/XX/XXXX and spoke with XXXX, wrote a letter via snail mail on XX/XX/XXXX, called on XX/XX/XXXX and spoke with XXXX, wrote a letter on XX/XX/XXXX, and called on XX/XX/XXXX and spoke with XXXX, faxed a letter on XX/XX/XXXX, and called again today on XX/XX/XXXX and spoke with XXXX and this issue hasn't been resolved. Today I finally got a supervisor ( XXXX XXXX ), but she gave me an email address that did not work and has not returned by call. 5/3 claims they have never received any letters including original copies of letters from the county or my fax including a delinquent tax notice. But they do acknowledge that no second half of the year taxes were paid! The money is sitting there in my account making money for the bank. 

This situation is so frustrating to me. In my eyes, a mistake was made by the county and they will not help me correct it. At this point there are several hundred dollars of late fees and interested tacked on top of my loan. If you could be of any help I would greatly appreciate it. If you can steer me toward someone who cares and would be willing to help I would also greatly appreciate it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Original mortgage with XXXX ; they failed to accept short sale ; I was insovlent and unable to pay. XXXX transferred mortgage to XXXX, who issued a XXXX in XX/XX/2014. Now Shellpoint Mortgage Servicing is trying to collect, saying I have an outstanding mortgage with them for the same property. My credit it showing all three as unpaid and negative. The debt was cleared when the XXXX was issued.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-09-2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Deposits and withdrawals

Complaint: I have banked with Simple for over three and a half years. I 've lived at my current address for over a year and a half. After making updating my linked external accounts last week I received a support message saying " Your account has been frozen because we 're having trouble verifying you. We need to do that before we can unlock your account. 
In order to complete verification, please submit a copy of the following documents using the instructions below : - A color photo ( not scanned ) of your Social Security Card - A color photo ( not scanned ) of your unexpired Government issued Photo ID ( If your photo ID does not have your current address on it, please also include Residence Verification, for instance, a bill issued in the last 30 days. ) - The two most recent PDF bank statements downloaded directly from each of the external account ( s ) linked to Simple '' I responded to this right away and after two business days I still have had no response from the team that made the decision to freeze my account. I 've uploaded the requested identification, but the linked external accounts are new and there are no statements yet. I called customer service to ask when I would hear back and how long it might take to regain access to my account. The representative would not give any timeframe for either and said that we would just need to wait and see if the team reviewing this would " make an exception '' as I can not provide bank statements that do n't exist. And if they wo n't make an exception? My money would simply be held in limbo indefinitely? The customer service rep had no answer for that either. Now I 'm reading horror stories on Better Business Bureau and other review websites of customers who had their account frozen for months! This is criminal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had an cellphone with XXXX wireless, I had to cancel contract after over 5 years of service due to job loss. At that time I had a bill of about XXXX. After almost 5 years, I did n't think the cancellation fee applied to me. XXXX sought after debt collection agency pinnacles with XXXX account, ( 1 ) XXXX and ( 2 ) XXXX. I feel even if I cancelled my contract I do n't owe those amount. I only had XXXX phone on the account. Now pinnacles has sold my information to another debt collection agency called XXXX. At this point I need them to give me proof I how I owe that much. If it ca n't be satisfied, then it both pinnacles and XXXX needs to be removed off my XXXX credit reporting bureau asap. I will fax over all documents. Pinnacles account for both debt are the same with the change of at least XXXX character, as if they tried to create another account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Debt collection (Non-federal student loan) with AES/PHEAA (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: AES is contacting family members who are not even on the loan I have with them. They are harassing family members in search of me because they no longer try to contact me directly. If they do not get a hold of me they immediately call family members that day or the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Credit card protection / Debt protection

Complaint: Bank of america credit card account, back in XXXX, I had agreed with bank of america to be on a payment arrangement plan for 6 months, representative said {$210.00} per month for 6 months and that will put me in a good standing, all negative report will be updated and corrected, so I made payments in good faith for 5 months, and noticed that my credit report were still showing negative report XXXX days, then the 6th month they called stating representative made a error should have been XXXX per month, they apologize for that error, and now I 'm in the rear of XXXX, however if i make XXXX payment today that would stop them from charging off ... 
this is not my error, as i agreed on their payment arrangements and did make timely payments as agreed ... 
XXXX/XXXX/2016, they contacted my mother, who is not on my account, nor joint owner and disclosed all my information to her and tried to collect the debt, this is privacy act and my account should not been disclosed to any unauthorized person, under privacy laws, Bank of America violated my privacy. I want them to delete this account and file civil actions against them for discussing my personal privacy

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 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The Company claimed they needed more documentation that it was my information such as a ssn.

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 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello, On XX/XX/2017 I went to XXXX XXXX to look and buy a new car, and I was in the process of getting one. The salesman at that time told me that XXXX XXXX   has a bank of their own and that they would use that bank to check out my credit and give me a price. The salesman was taking so long and I decided to not take the car instead and look somewhere else. Around a couple of weeks later, I check my credit report on XXXX XXXX and see that there is six different hard inquiries on that specific day. The names are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Ally Financial, XXXX XXXX XXXX, and XXXX 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 05/22/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage paid off in full on XXXX/XXXX/15. Lender failed to return unused escrow funds ( {$1900.00} XXXX. Lender indicated funds would be returned by XXXX/XXXX/15. Funds have not been received as of COB XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XXXX XXXX, XXXX I sent letters to Equifax, XXXX, and XXXX requesting that they add five consumer credit accounts to my personal credit profile, and asked that they reply when the information had been confirmed and updated. To this date, XXXX XXXX, XXXX, I have not received a written response from either one of the Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XX/XX/XXXX, Chase closed all my credit cards which have a XXXX balance on them.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: To Whom It May Concern : On XXXX/XXXX/16 ( Thursday ), I called Carrington Mortgage Services informing them, I would be sending {$7000.00}. The person I spoke with, asked if it was possible to send {$7100.00}, this way I would only be one month behind and this would stop foreclosure. I told her I could send the amount she stated. I was given XXXX options of making the payment. On XXXX/XXXX/16 ( Saturday ) I sent {$7100.00} XXXX XXXX. XXXX XXXX was unable to send the money all in one payment, so the payment was broken into two payments. On XXXX/XXXX/16 ( Monday ) I called Carrington Mortgage and spoke with someone who told me my payment of {$3500.00} was return and foreclosure procedures began on XXXX/XXXX/16. I expressed that I sent two payments in that amount, which totaled {$7100.00}. She stated, I would receive the foreclosure information and she would also send the information to my email address. I yet to receive the information. I decided to call back later in the evening ( XXXX/XXXX/16 ). When I spoke to this person, she stated they wanted the payment in full and not in two payments. I then expressed, that I did what I was instructed to do. The option I was given, was XXXX XXXX and it 's not my fault they were unable to send as one payment. I was still unsatisfied, so I decided to call XXXX/XXXX/16 ( Tuesday ) and ask to speak with a supervisor. The person I spoke to wanted to know the reason, I explained the situation once again and was put on hold. When the person returned they begin telling about the foreclosure. I told them this is why I wanted to speak with a supervior. I was placed on hold and once the individual returned, they stated there was no supervisor available. I said there has to be someone above her. What seemed to be long, to me someone came to the phone. The first thing was said, was you sent {$3500.00} and that 's why foreclosure preseedings began today. I repeatedly stated how I did what I was instructed to do. I stated, it appears that once the one payments was seen, who ever returned the payment shuld have cleared all payments before assuming that was the only payment. Who else have this been done to? She stated it is n't their fault I was behind over six months, foreclosure should 've started when I was 90 days behind. I expressed, that I was originally with XXXX XXXX XXXX, who transferred me to Carrington. I could n't send a payment until there is an account number. This process took almost 2 months. I did a modification which took 2 months. She then stated she would call me Monday XXXX/XXXX/16. I do not trust that she would have my best interest at heart. I feel she 's using this time to see how they can get Lawyer fees, court fees, any way for Carrington to get extra money. Your assistance in this matter is greatly appreciated. Thank You in Advance.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (ID).
Issue: Late fee

Complaint: Somehow my XXXX online payment did n't get processed. I realized this error and attempted to make the payment the day after the due date. A few days later, it still had not processed so I made it again and the third time it went through but of course, I had accrued a late fee. I called about it affecting my XXXX minimum payment and the agent I talked to said it would be removed and reflected on my XXXX minimum payment as well. I went in to pay my XXXX minimum payment on time ( XXXX when it 's due XXXX ) and the balance was still reflecting the late fee. I talked to a new agent who told me they only removed the late fee off the overall balance and account but can not adjust the minimum payment. If I do n't pay my total minimum payment, including the portion due to the late fee, I 'll accrue another late fee in XXXX. This will continue on until I finally do pay it. So I 'm being charged a late fee on a balance that 's only there due to a late fee they are " unable to adjust ''

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Request were sent for debt validation and licensure to collect in Tennessee on XXXX XXXX. Verification of delivery on XXXX XXXX. No response has been received. The debt stated on my credit report is for {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (Other mortgage) with WEBSTER BANK, NATIONAL ASSOCIATION (CT).
Issue: Credit decision / Underwriting

Complaint: We filed a construction loan application with Webster Bank XX/XX/XXXX. Admittedly, we had some delays due to finalizing the plans of the home. Once we were ready to close on the loan, and submitted the final contract to the bank, we have had delay after delay due to the inefficiency and lack of attention to detail of the underwriting process. We have had documentation requests come through piecemeal XXXX and XXXX documents at a time. As we fulfill the requests, new and different documents are requested. Further, they have asked for some documents 2 or 3 times, despite our already providing them. It is now XX/XX/XXXX, and our appraisal is expiring for a second time - requiring further delays to the closing date. We have been prompt and punctual through this process but the underwriter turn around is approximately 2 weeks from each delivery. This is unnecessarily drawn out and the goal keeps changing leading to inefficiencies and consumer burden.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-10-2016 about Mortgage (VA mortgage) with loanDepot.com, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: The lender negligently failed to pay city taxes from my escrow account. Unknown to me, a tax lien was filed against my home and has now been sold to a third party. The mortgage company has stubbornly refused to deal with the situation, which arose in XXXX 2015. They respond only upon a threat of regulatory intervention, and then only to say the matter is " under study. '' Meanwhile my credit has been seriously harmed, and my home is at risk. All documentation has been provided to the lender, Loan Depot.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Debt collection (Auto) with FORD MOTOR CREDIT CO. (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I voluntarily gave back my care after a horrible divorce in XX/XX/XXXX. I lost my house I was battling my son 's XXXX which he later passed in XX/XX/XXXX. Ford Credit filed judgement in XX/XX/XXXX they served me at my work place. I have not had one letter or call until last week my credit union XXXX called and advised they garnished my account. My bank told me tbat tbey sent notice to my address which was XXXX XXXX., XXXX pa. I have never lived there in my life. Attorney XXXX XXXX of XXXX PA is the debt attorney and a I spoked to him and he will not budge he wants my entire XXXX plus payment arrangements for the remainder of the XXXX he says I owe. The car was a XXXX focus hatchback. Can you help me to get my life 's savings back k

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Other debt) with Ad Astra Recovery Services Inc (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Ad Astra Recovery Services Inc. is trying to collect on a debt for a title loan account via XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not recall ever having a title loan through this company and have tried repeatedly to get proof the debt belongs to me by requesting a contract from Ad Astra bearing my original signature. Ad Astra has been unable or unwilling to provide this information. I have reported to all XXXX credit bureaus that Ad Astra has been unable to provide this information and the debt still remains on my credit. Ad Astra is also  reporting false information on the date this account was opened. According to the statement I was sent, it was opened in XX/XX/XXXX and Ad Astra states it was opened XX/XX/XXXX. Per the Fair Credit Reporting Act, changing the date the account is opened/closed is against Federal Regulations.

Company response to consumer: Closed with explanation