milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/30/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Making/receiving payments, sending money

Complaint: Hello, I need your assistance as these banks are misleading people with information. I ask XXXX Bank on more then XXXX occasion what credit bureau do they pulls credit score from and I was told they Pull from XXXX. They Bank of America ( BOA ) pulled my credit report from XXXX when I was instructed they would only pull from XXXX and I got denied credit because I was mislead. I have been with for years and never had any issues until. I would like for BOA to remove the inquire on my credit profile as I did not approve it at all. 

The ask the banker another of time, which credit agency they use and was told the something XXXX I knew there some issue on XXXX that are being corrected, so I would I have never allowed the bank to pull my credit it that was case.

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 08/15/2017 about Debt collection (Medical debt) with I.C. System, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This Medical Bill has Violated the Hippa Violations, I have no contract with you, please remove and delete off my credit report Immediately. This is Fraud and I will contact the Postal Service because I believe you are trying to fraud me out of money!

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 04/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In 2011, I was placed on XXXX due to a work related issue. The XXXX lasted for approximately 8 months. Upon being able to return to work, I was fired the following day and remained unemployed for an additional 3 months. I was making a significant salary at that time and also on an adjustable mortgage plan. During my XXXX/unemployment I was struggling to maintain my mortgage payments and became late. XXXX more month of being delinquent, I may have faced foreclosure. Thankfully, I regained employment but my salary was reduced by nearly 10 % in addition the commute was quite distant. On or around this period, my adjustable interest rate with HFC went up by nearly 50 %. I contacted HFC and requested assistance. HFC only granted temporary modifications at 6 month increments. My last time requesting for a modification, I was denied and told that I have exceeded the maximum amount of modification requests and advised that I can reapply in a year and I would be eligible once again for loan modification. I waited patiently and one year later, I reapplied and I was denied. I appealed the request stating that I was advised that I would be eligible after a year but my appeal was denied. The only XXXX options I was given were either a Short Sale or Deed in Lieu of Foreclosure. I turned down those options because I DO NOT WANT TO LOSE MY HOME! After struggling to make my mortgage payments, I tried to refinance my loan but was denied because I am underwater with my loan and my loan to value was not good. I was then referred to XXXX, XXXX for assistance. I worked with XXXX and they submitted my refinance request to HFC. Again, HFC denied my modification request and this time for different reasons. I was again only given XXXX options, either a short sale or a deed in lieu of foreclosure. 
During my time trying to work with HFC on refinancing my loan I was also told that they do not do modification loans in addition, do not have to comply with the Obama mortgage rescue plan. 
I am seeking your assistance in hopes by filing a complaint to HFC of their unfair acts with mortgage rates. Currently my XXXX mortgage rage is 7.59 % and my second just went up to 10.15 %!!! It 's sickening and absurd that mortgage companies are allowed to do this to consumers, knowing that they are stuck between a rock and a hard place and can not get out of their contract with them. HFC is very aware that I am underwater and my LTV is too low that no other bank will refinance my loan so they are taking advantage of a long time customer with a high interest rate and knowing that the current market rate is between 2-4 %

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My property was flooded on XXXX XXXX, 2016. An insurance claim was immediately filed. After waiting several weeks for the insurance company to process the claim, I signed a contract with a General Contractor to begin making the flood repairs. The contract requires me to pay in installments. I have already paid the contractor {$32000.00} out of my own pocket, requiring me to withdraw funds from my investment accounts. 
On XXXX XXXX, 2016, I finally received the insurance settlement check of {$57000.00} and immediately forwarded the check registered mail to Suntrust Mortgage. Confirmation was received that the check was received on XXXX XXXX. Additionally, all required supporting documentation i.e., proof of payment documents, proof of loss, XXXX, Waivers, etc., were uploaded onto the Suntrust website, well in advance of mailing the settlement check. I have spoken with Suntrust Insurance Department Representatives on a daily basis and was assured all necessary documents have been received and approved. On XXXX XXXX, I was told a check was being overnighted via XXXX XXXX, to be received today, XXXX XXXX. 
On XXXX XXXX, when calling to follow up on the check which did not arrive, I was told it is being held in the Processing Dept. The representatives indicated they were unable to contact anyone in the Processing Dept. No one was able to tell me if or when I will be reimbursed. I can only assume Suntrust is holding the entire amount in an escrow account? 
With the contracted repair work now approximately 75 % complete, the contractor is now due a third installment to finish the job. For the third time, I am forced to make a sizeable payment out of my own pocket. 
The home is valued at approximately {$370000.00}. The mortgage with Suntrust is only {$83000.00}. My financial interest in this property exceeds that of Suntrust.

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 11/13/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Problem with the payoff process at the end of the loan

Complaint: I took out a home improvement loan at BBVA Compass in XXXX. I filed bankruptcy in XXXX and included this loan. However, Compass told me that if I didnt pay off the loan I would have a lien on my house. Therefore, I continued making payments despite the bankruptcy. In XXXX, I asked to settle the loan for an amount less than the balance, and the offer was accepted by XXXX XXXX at BBVA Compass. I made the payment for the settled amount. I asked for BBVA Compass to update credit report, which they agreed to but never did. In  XX/XX/XXXX, I received an email from XXXX XXXX stating the account had been settled for less than the full balance with no obligation effective XX/XX/XXXX. However as of this complaint the mechanic 's lien is still on my title and not allowing me to refinance my mortgage. I 've made SEVERAL attempts by phone, and no one ever calls me back. Then I received an email XXXX XXXX XXXX stating the lien would not be released until balance was paid, the on the same day at XXXX XXXX got email saying lien will be released, it ould take up to 3 days and up to 30 for court to process. Then XXXX XXXX at XXXX anothe email saying they are not releasing until balance paid. The on same day at XXXX another email saying it would be released but would take 5 days and XXXX for courts to process. No one answers my phone calls despite many calls and messages left. This has caused much stress and its keeping me from being able to proceed on my refinance. Please help me get this lien removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2017 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Sent 609 letters asking for physical proof of verification of this account belonging to me I havent received anything in writing are as to proof this account belongs 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 explanation
Consumer complaint received 01-06-2017 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: We are in the process of refinancing our mortgage. In XXXX. Select Portfolio Servicing, Inc. ( SPS ) reported to XXXX XXXX that our XXXX house payment was late. Under XXXX XXXX rules you can not refinance if a late payment has occurred over the length of loan. We have never been late. When this refi process was started in early XXXX 2016 the company we are dealing with had to run an initial report and everything was perfect. We found out after many phone calls and being switched to all sorts of people that Select Portfolio Servicing held our XXXX payment due to a " Recast '' they were not authorized to do on our loan. I always make my payments online and have a " Payment Receipt '' showing I made the XXXX payment on XXXX/XXXX/2016, it cleared my bank account on XXXX/XXXX/2016. It took me a month to get SPS to terminate the " Recast '' and get my payment was then posted. But by that time it was reported to XXXX XXXX that we were late for XXXX. They had our money and held it with no explanation to us. Once we were told the payment had been posted our loan processor called for final payoff amount and we were ready to close. Their underwriter then was told by XXXX XXXX about the late payment reporting. 
So we are at the point now where we are trying to get SPS to contact XXXX XXXX to correct the error so we can close. I keep being told that messages as have been left with XXXX XXXX. I get switched around from Supervisor to Supervisor and as of today 's date their error to XXXX XXXX has not been corrected. We are in great danger of losing this refinance. I ca n't get anyone at SPS to help us. I have spent numerous hours on the phone with them My loan officer and I were on a conference call for an hour and a half, while I was at work, on XXXX XXXX supposedly with a manager who was taking care of it with their legal dept. Todate neither of us have been able to make contact with that person. Can anyone help us get SPS to correct their error so we do n't lose our refinance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Credit decision / Underwriting

Complaint: I am currently going thru Wells Fargo for a mortgage on a home. We were promised a certain rate ( XXXX ) and down payment ( 10 % ) on a mortgage for a XXXX family that we will be using as a XXXX family. The bank had the information on the property and a letter that stated we were using it as a XXXX family for the underwriter. All was well until now a little more than a week before closing, the appraiser says that he must do the appraisal as a XXXX family. Which is fine, I do n't care how it is appraised. However, now the bank is requiring us to put down 15 %. We have the money but we 're going to use that to put in air conditioning. I think it 's unfair that because an appraiser says it must be done as a XXXX family property, it affects our down payment and I 'm being told maybe even the rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Debt collection (I do not know) with CITIBANK, N.A. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My XXXX report lists a collection from 2015, with no information, and no other account showing as a write off or collection as it 's source. This is not my debt.

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 06-10-2015 about Debt collection (I do not know) with LTD Financial Services, LP (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Over the past XXXX XXXX XXXX XXXX months I 've received phone calls for someone referred to as XXXX XXXX XXXX for an owed debt. I have owned the current contract number for four ( 4 ) years prior to receiving these numerous calls. I 've repeatedly informed the company I do not know anyone by this name, and have owned this telephone number for years and to please stop contacting me and the company employee just hangs up the call.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Application, originator, mortgage broker

Complaint: Sometime around XX/XX/XXXX, we applied to re-finance our Bank of America home loan. After being told on the phone that we were approved, and even offered congratulations, and after filling out the extensive paperwork, we were denied the refinance because of my wife 's bankruptcy in XX/XX/XXXX. Bank of America told us that we would have to get this bankruptcy " re-affirmed ''. I was able to contact the bankruptcy lawyer we used nearly ten years ago and he told me that " re-affirmation '' was impossible. He said it would have been impossible at the time ( the bankruptcy judge would have thrown it out ) and it remains impossible today. After I told officials at Bank of America this information, they put me in a video conference with XXXX of their agents in XXXX, TX who insisted that it is possible. The bottom line is that we were denied mortgage refinance because of a ten-year-old bankruptcy, the terms of which can not be changed. We believe, based on our current credit and our perfect record of mortgage payment since we bought our home ( XX/XX/XXXX ), that we were unfairly denied mortgage refinance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Per attached letters from XXXX my account was only one time XXXX late and XXXX XXXX was open from XX/XX/XXXX to XX/XX/XXXX. Per the attached credit report neither of these accounts are reporting as their letters state.

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 07-01-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Transaction issue

Complaint: I had fraud on my card. I notified the bank immediately. The bank cleared all the fraud charges. After my card with fraud on it was frozen I received a valid credit onto my card from a vendor. I contacted the bank within days that the credit was valid and should be transferred to my new valid card. On approx day 5 I was told the credit was erroneously applied to the closed card and would be fixed within 30 days. I called back 3 weeks later and was told the fix had not been completed and that the " IT '' fix to move my money was not done yet. Finally after 30 days nothing was posted to my new account. I called back approximately on day 37 and at this juncture I was told that my credit would now be moved to my new account number and that it would be 1-2 days more.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: XXXX   XXXX  , Experian, And  XXXX  are Continuing to report misleading information into my credit report.   XXXX   XXXX   attached letter shows my final payment was received  XXXX   XXXX  Experian Credit Report is showing my last payment  XXXX   XXXX  and That I Failed to Pay in  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 12-05-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Regarding account XXXX reported by XXXX XXXX XXXX to the credit bureau, Equifax. This collections company has not responded to requests to provide validation on the reported account and sends mail back as " Return To Sender ''. No correspondence has come from them, and they have made no claims to justify their right to pursue this account. XXXX and XXXX have removed this item because of failure to respond. Despite this, Equifax continues to " verify '' the account after repeated disputes, and has not complied with 611 ( a ) ( 7 ) requests to disclose THE method of verification used for this particular account, only a general statement of various possible methods with vague and unspecified procedures. Actions are FCRA 623 violations. Equifax even went so far as to remove my current address from their records after making requests for method of verification, saying that they could not honor my request because my address did not match their records. Yet, all of Equifax 's correspondence with me is to my current address. Attached are the dispute letters sent to XXXX XXXX XXXX that have received no response, as well as proof of mailings sent to their listed XXXX location that they Return To Sender. Also included is letter from Equifax stating my contact information no longer matched in their database.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX a credit inquiry for CAPITAL ONE was placed within my XXXX, XXXX, and XXXX credit report. I contact the three bureaus to get them removed however they refused and told me I had to contact the company. So that's what I did. 

I called Capital One multiple times to get these resolved. After a few weeks they finally sent me a letter saying they advised the three bureaus to remove the inquiry from my report. However, the inquiry remained. I then contacted all three bureaus and sent them a copy of the letter ( attached ) sent to me from Capital One. The inquiry was removed from XXXX and XXXX, but XXXX still won't budge. 

Now, the Capital One inquiry was reinserted to all three reports dated XX/XX/XXXX. I now have TWO unauthorized inquiries ( XX/XX/XXXX & XX/XX/XXXX ) on my XXXX report, and one unauthorized inquiry on XXXX  and XXXX ( XX/XX/XXXX ) - all from Capital One. 

I have NEVER held nor applied for an account with Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2016 about Student loan (Federal student loan servicing) with Certified Direct Solutions (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I received a letter stating that I may qualify for student loan consolidation and even some possible loan forgiveness. The letter seemed as if it were from the government which is why I called them. I called and they said I did qualify for loan consolidation but in order to get me into the program I must pay a certain percentage of what I owe. After telling them I did not have that amount they said I could do just 2 payments of {$400.00}. I was hesitant at first but then said ok. I gave them my information, including social, occupation, income, credit card number ( for the payment ), etc. Now after doing some research, it turns out I could 've enrolled in such a program without paying and now I am worried that I may have given my personal information to scammers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/17/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Problems when you are unable to pay

Complaint: Capital One Auto Finance is not deleting an account from my credit reports, which is more than 8 years since last delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX my husband XXXX XXXX suddenly. I had been paying the mortgage on a regular basis. Last year, XX/XX/XXXX, I had started becoming late because of financial issues because of the loss of my husband. Wells Fargo did work with me and I was granted a continuum of my husbands loan. I am the executor of his estate and although the Title/Deed is in my name, the loan is not. I once again became delinquent on the loan but sent three separate checks to catch up. The mortgage company returned the checks saying that my husband needed to contact them for them to accept the checks. Wells Fargo is aware that my husband is deceased so the letter did n't make sense to me. In XXXX, I again started working with the Home Preservation Department to keep my home. I was told that I needed more information. I sent the information that was needed but they declined my application. I am receiving a pension now from my husband and I have a solid income. I want to keep my home, I feel the mortgage is not working with me and the sale of my home is looming. I am praying that this letter helps my communication with the mortgage company and myself. 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