milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am an XXXX with XXXX XXXX XXXX. My client went to move money around at Bank of America and was asked to sit down with an XXXX. The client received a better offer which was fine, but the violation occurred when the XXXX XXXX XXXX XXXX XXXX # XXXX called me and demanded I send him all of the client 's financial documents. Not only does B of A and my company have policies against this, this is a very clear XXXX violation. I had not spoken with the client and the client did not ask that I send this information. Bank of America does record all of their calls so they should have access to this information. The call took place on XXXX at approximately XXXX and was on his direct line 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 09-06-2017 about Mortgage (Conventional home mortgage) with GUARANTEED RATE INC. (IL).
Issue: Trouble during payment process

Complaint: Im a senior citizen and have a mortgage for over 28 years and have not had a problem until Guaranteed Rate took over my mortgage. 

Guaranteed Rate is the mortgage provider for my building : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX The building is a three flat. Two of the units are rented and my apartment is a vacation rental unit. 

Since I have another residence in XXXX and travel, I do not spend much of my time at my primary residence. I asked Guaranteed Rate to send all non-secure policy information via email so I have current information on my mortgage. 

Guaranteed Rate has a convoluted and confusing policy to request email communication. 

I submitted a written email request form. After three to four weeks Guaranteed Rate response was their policy does not allow any type of email communication. 

To add to the confusion, I pay my Guaranteed Rate mortgage through a third-party XXXX XXXX XXXX XXXX . 


My XXXX XXXX XXXX online account is Your Mortgage Online, XXXX XXXX XXXX is a Guaranteed Rate website. 


Your Mortgage Online has limited information and errors in the Loan Payment Activity webpage, XXXX XXXX XXXX. 

Guaranteed Rate does not use their Secure Message Center, XXXX XXXX XXXX to communicate important policy information. 

A problem occurred with my property tax increase. Guaranteed Rate mailed that the escrow amount in my monthly payment would increase due to the tax increase. 

Since I wasnt at my primary residence I did get notification of the price increase. 

Guaranteed Rate again refused my request to notify me by email. They also refused to appoint a single-point of contact to resolve outstanding issues. 

Although Guaranteed Rate will not communicate to customer via email, they use email for information to refinance my mortgage with Guaranteed Rate. 

Also, in non-compliance with their email policy, I received an email today from Guaranteed Rate that they are transferring my mortgage account to XXXX XXXX XXXX. 

Guaranteed Rate policy makes it impossible for me to effectively manage my mortgage account and could lead to negative credit rating. In prohibiting email correspondence, Guaranteed Rate compels telephone conversations eliminates email documentation of the complaint process.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: many accounts not mine, many addresses that do not belong to me. names on my report that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I 'm writing this letter in hopes of getting some resolve of my student loan balance. I mailed a letter to former President Obama and current President Trump regarding my extensive balance with Navient/XXXX Loans. I attended XXXX University ( XXXX ) and XXXX University ( XXXX ). My wages were garnished and my debt to income ratio is severely high. I 'm being told that I owe over {$500000.00} in student loans. I cant wrap my mind around such a figure. I 'm a XXXX and I barely make {$XXXX} a year. No one from XXXX or Navient are able to tell me where this balance came from. I 'm currently in a re-payment program where I pay {$80.00} per month. I was told after 10 years, my end balance will be forgiven. I need help in resolving this matter. I can be reached at XXXX for any questions or comments. Thanks for your attention to this matter. 

Sincerely, XXXX Customer/Complainant

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Payment was made over the phone But for some reason reported it as a late payment

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 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have an Inquire from Citizens Bank on XX/XX/2017 which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score. 
The inaccuracy has had negative effects on my score and consequently on my relationship with creditors. I am requesting that the item be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I assumed a loan that my father had on his house after he passed away. After I assumed the loan the bills were coming as they were before i assumed the loan addressed to the Estate of XXXX and the principal amount on the bills were n't the amount that i agreed to. I was waiting for a bill to come in my name so I could make a payment. Three months after i signed the assumption papers the company sent a delinquent letter still addressed to the Estate of XXXX. I called them immideately and when they said the account was delinquent i made a {$14000.00} that day to bring the account current. I proceeded to call them multiple times to ask them to have the loan put in my name. The only thing that they changed was the principal amount until XX/XX/XXXX, that was when the bills started to come addressed to me. Then they report to the credit agencies saying that i was delinquent. They also sent 2 sets of XXXX tax papers to the house. One set addressed to the estate of XXXX for the payments XX/XX/XXXX through XX/XX/XXXX and the other set addressed to me for XX/XX/XXXX through XX/XX/XXXX. If i was fiscally responsible as they are saying for the months that were late then why does the estate have a XXXX at all? My issue with this company is that the way in which they are doing business is very misleading to their customers. It is their fault that i did n't make a payment because they never sent me a bill. Then they record to the XXXX credit agencies that everything is accurate As you can see there are many inconsistancies in which the are handling their business. In doing so they are affecting my life greatly because my credit has been impecable up to this point. I would like for this issue to be resolved and the company to be forced to communicate with their customers with precision so that this may never happen again

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Chase has charged me extended overdraft fee's about two times already. The best part is yet to come, during the XX/XX/XXXX holidays Chase thought it would be a great idea to prey on my bank account and manipulate my transaction orders so they can maximize the overdraft fees they decided to charge me. On XX/XX/XXXX one of my accounts was charged with a payment I had set up for $XXXX I went and deposited $XXXX into my other account and did a instant transfer to cover the payment before XXXX XXXX. I than wake up on XX/XX/XXXX to see my account NEGATIVE little over 300.00 transaction's that magically were organized from biggest to small and than my instant transfer look rigid in one of my accounts I had no money in ended up with $XXXX dollars and the one I did the instant transfer to NEGARTIVE $XXXX. Chase is a predator and does so many fraudulent activities to it's customers it's just so sickening to me how there has been a class action law suit before about the same thing and they go and do it again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: I have contacted Equifax 4 times a month since XX/XX/XXXX, they keep reporting an address I have never lived at on my credit file. I am always told by them it will be deleted with in 24-48 business hours, I will always receive a dispute confirmation that it was deleted, but then it would be re added to my credit profile the following day. I was told that they would block the address and never did. My last call I spoke with XXXX who had no intention to help me, she put me on long holds to laugh and giggle with her other employees you could hear it every time she un-mute her phone. They do not take their job seriously and I constantly lied to. The address has reappeared XX/XX/2017,  XXXX advised to me it would be removed. I have faxed them XXXX, social security card, and utility bill. I have even went out my way to email the CEO, everyone think this is joke. I 've reached out to all my creditors even the ones that are listed poorly on my account and no one has that address for me, I want this address deleted. This is not my address.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Bank account or service (Other bank product/service) with Comerica (CA).
Issue: Making/receiving payments, sending money

Complaint: I found out today that there are several fraudulent charges on my XXXX debit card issued by Comerica Bank ( DirectExpress - USDirectExpress.com ). I 've tried multiple times to dispute these, but each time I 've been disconnected. I 've reached the first tier customer service- after giving all my personal info each time - and then they say I have to talk to " Level XXXX '' and they transfer me and then I get disconnected after they transfer me. One time I did reach a level XXXX rep and told her about problem being disconnected and she said it would n't happen again, and sure enough it did. They have the info regarding which charges are fraudulent, but apparently I still need to talk to another dept. anyway - yet I ca n't reach them. They ( the crook ) took all of my XXXX payment which is what my son and I live on and now there is no money left in my account so we are in a desparate situation. I 've also had other issues with this credit card company where they cancelled my card without notifying me and then charged me for a replacement card. I appreciate any help you can offer. Also, uploaded transaction info from bank website which shows XXXX of the fraudulent charges ( apparently there are others that have n't appeared on the website yet. ). The first XXXX charges are fraudulent XXXX XXXX, XXXX XXXX XXXX XXXX and there are also several not shown which are from the XXXX XXXX, CA area ( XXXX. and others ) which are fraudulent as well. The only authorized charges were from the XXXX store and XXXX atm withdrawal - the rest were not authorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am deeply upset that Equifax continues to repeatedly violate my consumer rights. I am writing in response to XX/XX/2017 dispute results, for the second time same issue. BK # XXXX from was removed from my Equifax credit report and later reinserted without notifying me " XXXX XXXX ''. Said act is a violation of my consumer rights according to section 611 ( a ) ( 5 ) ( B ). Which applies to situations where the information was previously deleted/removed based, on a finding in a dispute that the information was inaccurate, incomplete or could not be verified. Based on this violation, I am requesting/demanding BK # XXXX be permanently deleted once again. If this matter is not deleted immediately, I will pursue legal action based on the facts my consumer rights are repeatedly violated by Equifax. Due to this inaccuracy being reported my family and I are being affected. I am on anxiety medications from the stress of repeated calls, writing letters, filing complaints to all 3 major credit bureaus getting ridiculous interest rates while applying for home and car loans. 

Equifax continues to report a fraudulent addresses of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Georgia XXXX and XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. This address has " NO '' affiliation to me or any relative of mine, therefore any mail/utility bills of any kind using my name, SS # and DOB is fraudulent. I am demanding this address be updated and deleted permanently. I have previously attached bank statements, utility bill and photo ID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I XXXX XXXX have made several attempts to obtain a home loan modification with Bank Of America on subject property XXXX XXXX XXXX, XXXX CA XXXX loan # XXXX, I understand i am eligible for the XXXX program which would help me keep my home at an affordable payment, however the lender has refused to work with us. I have made numerous attempt to work with my lender but they have yet to provide any help. Additionally I am certain they are violating the Home Owners Bill of Rights which prevents them from Dual Tracking.

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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On  XXXX   XXXX ,   XXXX   I sent a letter disputing multiple inquiries to All credit reporting agencies including Transunion. They responded sending me a letter explaining what a inquiry was. I again sent a more detailed letter outlining that I did n't authorize multiple inquiries on my report via certified mail and fax also on  XXXX   XXXX . They again resent a letter explaining what a inquiry is. They have failed to respond to  two requests now  to research and delete inquiries on my credit report that are inaccurate. These inquiries do not match any accounts on my account etc.     I sent seperate letter along with above in seperate letter and fax on same dates above removing incorrect addresses, employers, phone numbers and names. They sent me copy of an unchanged credit report both times with zero updates.

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 03-01-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My Tuition Answer Loans with Navient is behind and they keep calling me and saying that I am in default, they tell me to contact XXXX to resolve this, however they do n't have any idea of why I am calling them at all. Navient is not willing to do anything for me what so ever outside of harassing me to no end. I have requested a income repayment plan they denied it on the bases that I am behind. I have made it very clear to them that due to this I will make payment how I can, they are not happy with this. 

This makes no sense what so ever, and is not the kind of dealings that should happen what so ever. I simply want ALL my loans in XXXX simple income related payment.. what is so XXXX hard about this.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: The credit reporting agencies have added a fraud alert to my credit report without my requesting it. This is a violation of FCRA regulations. I do not understand how they feel this helps after the damage is done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Consumer Loan (Installment loan) with First National Collection Bureau, Inc. (NV).
Issue: Problems when you are unable to pay

Complaint: A collection agency FIRST NATIONAL COLLECTION BUREAU in XXXX Nevada is trying to collect a sum of {$2400.00}. 
Received a mailing from them last summer stating I owed a debt which they were hired to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Problems when you are unable to pay

Complaint: In 2009 my grandmother passed away, and I was given her car. I had purchased a car not too long before my grandmother had passed. I called the bank that I had a car loan with and explained my situation. I wanted to see what my options were. I asked them if it would be possible to return the car? I remember the person that I spoke with was really nice and he said that it would n't be a problem. I asked if anything would happen to my credit and he said, " No, since it would be a voluntary return of a car they would just resell it. '' I waited a little over a month before someone came an picked up the vehicle. I thought everything was ok and so I went on with my daily life. About a month later my car from my grandmother was running right and so I decided to sell it and use that money to purchase a new car. I wanted something reliable for myself and my daughter. At the dealership, they ran my credit. The loan agent said that I had a repossession on my credit and that I would have to put more down or have a really high interest rate ( 27 % ). I told him that something must have been wrong because I never had anything taken from me. He that the last car that I had was repossessed. I was getting frustrated because I did n't know at the time that voluntary repossession and a repossession is all the same thing. I explained to him what had happened. He said that we was n't surprised that this had happened to me. He has heard of banks doing this to several of people. I was young and very inexperience when it came to my credit and finances and just did n't know. I told the lender that I had a job and been working for several years. I could have kept the car and continued making my payments and had I known that my credit would be affected I would have kept the car or tried to sell it. The lender worked out a loan for me, but my interest rate was pretty high and almost 7 years later I am still dealing with this. My husband and I are trying to purchase a house give our children something we did n't have. This mistake has been haunting us for so long. The repossession is the first thing that pops up on my credit report and the banks do n't want to help us ... until now. We found a lender that is will to work with us if we are able to have this repossession move to the bottom of my credit report. I 'm praying for some grace! I 'm much older now and wiser. I 've been teaching my oldest daughter about credit and finances and how important it is to read and search on things before you sign anything. Do your research before you agree to anything. A very hard lesson I had to learn, but I learned it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (I do not know) with Radius Global Solutions LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX calling about a debt i do not owe and better stop calling or i will sue them!

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 08-03-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Experian is refusing to remove an old account XXXX XXXX account number XXXX that is not attached to another account and it has been on my account since 2005. I have never paid on this account nor am I familiar with it. I am asking for it to immediately be deleted from Experian report. I am also attaching a case number for a police report, for fraud and fraudulent inquires, please apply extended credit for seven years to credit report.

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