milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
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: Account ending in # XXXX was closed w/ XXXX balance in XX/XX/XXXX with Bank of America credit card . I closed my email account with XXXX and destroyed the said credit card. I received emails stating that I owed a balance on my new email account with XXXX. I tried to respond but the email from BOA was returned undeliverable. I finally received a bill from BOA to my physical address om XX/XX/XXXX stating that I owed BOA {$9.00} in overdue payment. I mailed a check for that amount that same day. Today, XX/XX/XXXX I received my dispute report from XXXX  XXXX   stating that I am overdue in payments to BOA and the fee is now {$10.00}. This dispute could have been resolved in XX/XX/XXXX if BOA would have sent a bill to my physical address instead of online.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/27/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Unsolicited issuance of credit card

Complaint: Back in 2014 Bank of America I contacted Bank of America regarding a credit card. When they told me the terms of the account they were approving me for I immediately rejected the account and told them I did n't want it. This was IMMEDIATELY, I did n't wait to get the card etc. I never had this account. Bank of America has reported on all XXXX major credit bureaus that I had this account for 3 months and closed it, which is not true. This is negatively impacting my FICO score. I disputed the report on all XXXX bureaus and the bank responded that their claim is correct so it remains.

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 10/24/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (MA).
Issue: Struggling to pay mortgage

Complaint: Since our XXXX XXXX away we have been attempting to seek assistance from SLS in order to avoid foreclosure on our family home.we have applied to SLS for mortgage modification, deed in lieu and short sale multiple times.We recently requested the dollar amount to reinstate the loan.In a letter from SLS dated XX/XX/XXXX the amount of payments due through XX/XX/XXXX7 was {$79000.00} plus legal fees of {$1000.00} and corporate advances of {$3100.00} for a total of $ XXXXIn a letter from SLS dated XX/XX/XXXX the amount of payments due through XX/XX/XXXX was {$79000.00} plus legal fees of {$210.00} and corporate advances of {$3100.00} for a total of {$82000.00}. 
How can that amount be less than one week earlier? 
How much of the {$79000.00} is allocated to principal, interest and escrows? 
How can SLS charge twice for principal payments? 
The language " the amount of payments due through such and such a date is confusing to us in that it appears as though SLS is attempting to illegally profit from our mothers estate by inflating and or muddleing the dollar amount to reinstate.

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 01/19/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I filed a chapter XXXX bankruptcy but the court did figure my mortgage in the bankruptcy. I have paid it all along. XXXX sold my mortgage to a collection agency. There are errors on my escrow analysis and the way they are reporting to the credit bureau. Ditech refuses to talk to me because of the bankruptcy and will not let my attorney tell them they can talk to me. So how do we correct the errors?! They also waited a year to inform me of documents they had drawn up. It appears to me that they think they have no accountability.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (I do not know) with Global Trust Management LLC (AL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Global trust management llc, a woman named XXXX from Global Trust called my son, daughter in law, and granddaughter about a debt I supposedly owe. I have been at same address for 3 yrs and same phone number for 10 years. I do not know who she is and what she wants. I tried calling the number she left with my family. It always goes to voice mail. I do not want anyone discussing me with my family. What happened to privacy act. My granddaughter thought I had a wreck and the were trying to find me. She called me crying and stressing out. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I disputed the accuracy of reported bankruptcy under my social security number. I asked for validation and proper supporting documents how this information was verified and was never provided the supporting documents why this entry remains and how it was verified. I included a letter from courts that specifically states they do not verify such with the any credit bureau. I ask for this entry to be deleted please.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problems caused by my funds being low

Complaint: Well Chase is at it again. 

This relaters to XXXX of my bank accounts. XXXX ending in XXXX, the other in XXXX. 

On Wed XXXX XXXX at approx XXXX in the XXXX I checked my bank account and noticed a pending overdraw in my XXXX account in the amount of {$27.00}. This is despite the fact that I have overdraft protection which should have covered the overdraft. Perhaps since it was a " pending '' overdraft it had n't kicked in. So TO BE SURE TO AVOID OVERDRAFT OR FEES I got out of bed, put my boots on and walked through the snow to the bank ( at XXXX ) and deposited XXXX dollar to cover the pending overdrawn account. When I got home I checked online and my account was covered, no pending overdraw, no negative. 

My XXXX account was also in the positive. 

So I went to bed sure that I had avoided overdrawing my account. 

When I woke up this morning XXXX XXXX and checked my account online my account XXXX was overdrawn by XXXX which included a late fee. The amounts shown were totally different than they had been the night previous ( ie. the debits were in amounts exceeding what was shown only hours earlier so it was not an accurate reflection of anything in my account ) But even more disturbing, my account ending in XXXX, which only hours earlier was positive with nothing pending, was now overdrawn by {$130.00}. WITH XXXX LATE FEES and balances that bore no resemblance to what my account had shown only hours before. I know as a fact my account was positive only hours before. 



The check for XXXX that had supposedly overdrawn my account on XXXX XXXX had now mysteriously appeared, though I know as a fact that it had not appeared in my account on XXXX XXXX because I was at the atm and online at XXXX on XXXX XXXX checking my account. 

Chase has always had a " pending '' period during which I could cover a pending debit. Not only did this now happen, but transactions appeared a day later than they HAD SUPPOSEDLY POSTED. This is either a glitch or a purposeful way to cheat people. Either way, it 's wrong. 

My online and atm balances were not accurate and there was simply no way for me to responsibly keep my balance positive.. I WAS AT THE BANK AT XXXX to put money in and check my accounts!!! 

I now have XXXX dollars in unfair fees that clearly I ca n't afford. 

Of course Chase wo n't help. 'All my fault ' is all they say But this was not my fault or fair. Check the records and you will see that the information provided to me about my accounts was not accurate. 

1.My overdraft protection did not work right. 
2. Chase 's online and atm balances were not accurate and did not provide information to me to allowed me to monitor my accounts. In fact they were actually deceptive, hiding a transaction and then showing it a day after it had supposedly posted. 
3. But their fees work just fee ... as always.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Debt collection (Other debt) with STEWART INFORMATION SERVICES (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: We purchased the timeshare in XX/XX/XXXX. Our children were young, and we used the exchange to  vacation with them. After the children grew up, my husband and I continued to use the timeshare. When the maintenance fees began, we paid as expected. We are seniors now ; both of us were laid off and we have only Social Security as income. The invoice for maintenance fees was sent in XX/XX/XXXX and, in good faith, we paid them because we could. However, we noted that we could not continue to pay them because our income was insufficient. We had met with a bankruptcy attorney, and decided that it was our only relief. Our bankruptcy was filed, and all creditors, including our timeshare, were notified and given the hearing date for creditors. The timeshare creditors did not respond. All debts were XXXX on XX/XX/XXXX. Later that year, we received the XX/XX/XXXX invoice from the timeshare. I sent a letter explaining that we had to file bankruptcy, and were no longer owners. They did not respond. When it was clear that we were not going to pay any more, we began receiving threatening letters even though we no longer held any claim to the unit. The timeshare inventory agent told me that they had been made exempt in the bankruptcy law. I reviewed that law, and found that it spoke of " ... intentional wrongdoing '' by consumers, and " ... society 's interest in excepting those debts from discharge outweighs the debtor 's need for a fresh economic start. '' We take exception to that because we knew nothing of the law, and the timeshare did not respond when notified by the bankruptcy attorney. The fact that we surrendered the timeshare unit, and had it included in the bankruptcy, without dispute from the timeshare agents, should relieve us of any further attempts from them to collect from us. This is not a " postpetition assessment '' issue. If we had been advised that by paying the XX/XX/XXXXmaintenance fee it would exempt the timeshare from bankruptcy, we would not have paid it - again, we were acting in good faith. In turn, they have not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have written several letters to Transunion Credit Bureau about remove the below unauthorized inquiries thats part of their inquiry issues. 

1. XXXX XXXX Inquiry from XX/XX/XXXX 2.XXXX XXXX Inquiry from XX/XX/XXXX 3. XXXX Inquiry from XX/XX/XXXX 4. XXXX Inquiry from XX/XX/XXXX 5.  XXXX XXXX Inquiry from XX/XX/XXXX XXXX. XXXX XXXXInquiry from XX/XX/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 02/29/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Deposits and withdrawals

Complaint: I have been charged excessive charges on my account!! 
Called and complained and lady said would check into in, came back and said that there was nothing she could do & hung up. 
Called sever more time & got the same results. 
They are ripping people off, especially senior citizens!! 
Dont bank with these people ever!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/15/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: {$460.00} attempted to be collected by company. This is not a debt that I owe.

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 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: I have send letters disputing wrong negative information on my report. XXXX has mail me the results as verify but I have never received any legal proof that negative unverifiable information belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: For the past year I have asked this company to validate that this debt and the only information they have been able to provide me with is what appears to be unpaid bills. 

This company is reporting to the ( 3 ) Credit Bureau 's : XXXX, XXXX, and XXXX that I owe {$780.00}. This has been a highly negative impact on my personal credit report. Please understand this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that the claim is disputed and validation is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Making/receiving payments, sending money

Complaint: Wells Fargo cancelled my debit card and I did n't know and never received a replacement card. I found out when I was at a gas station fifteen minutes from my house because my card would n't get approved. I called in to Wells Fargo and they said there was nothing they could do and told me to go to a physical location to get a temporary card ( which I could n't do because I had no fuel ). Because of their actions I missed a meeting with a very important client who might not do business with me now. I also had my screaming XXXX stuck at this gas station unable to leave or get her anything.

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 05/24/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I submitted dispute claims which included several items of dispute, via certified mail to both Equifax and XXXX, on XXXX XXXX, XXXX. Equifax received the dispute claim on XXXX XXXX, XXXX per the XXXX XXXX XXXX certified mail receipt and XXXX received the disputes on XXXX XXXX, XXXX. Per the Fair Credit Reporting Act of XXXX, disputes should be answered within 30 days. As of this date, I have not received documentation indicating an investigation of any kind from neither Equifax nor XXXX. I actually spoke with XXXX the Resolution Supervisor, ID XXXX. XXXX at Equifax. He claimed that there was nothing that he could do, but was willing to provide record of an investigation, which would have been after the 30 days. I did not speak to XXXX, but the same ruling applies, per the Fair Credit Reporting Act. 
As a result of non-compliance by XXXX credit bureaus, I am requesting that you enforce my disputed items to be removed by the bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I stopped reaching out to them as how to apply my funds when I was making huge payments. I consolidated and they told me everything would be fine, and after looking harder, some of my interest rates tripped, I could not believe it! They are crooks and wo n't even give me a chance to pay back loans, they just want money ( same thing with XXXX, same company different name, they never answered any questions coherently, always trying to confuse and never be straight with a borrower ). I was paying close to XXXX, and I saw my balance go down XXXX-XXXXdollars, how can that be FAIR or RIGHT. SO much for me owning a home or become self reliant as I have student loans overtaking my earnings. There needs to be change, as we are trying to become productive adults, but not when all of a sudden my monthly bill went to XXXX dollars, great. That is what I have to pay this month. We need honest NOT FOR PROFIT loan services, as all they do is take advantage of the educated, and reap huge profits by making our lives even more entrenched in student debt, instead of helping adults get out of the debt. Now payment rules changed to 15 % of discretionary income???? Why do new borrowers get treated better by only having them pay 10 % of their income a month. I do not understand why there is so much bureaucracy, and all it does is hurt the middle class! I hope CFPB can help us normal people, as we have no one else to help defend us from servicers that take advantage of normal people, just to line their pockets outrageously!

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Credit reporting agencies have a bankrubtcy in 2009 for me, this never happened. This is caused my scores to fall below the levels to buy a home even in the Hope program. As well I am a XXXX veteran and the creditors have attacked my ratings, I have been sick and will not return to a regular employment position due to XXXX. So all out dated claims against me need to be removed ASAP, I live in Indiana and much of the claims is outdated and has been sold to different lenders that do not have original paperwork with my signature anyway, and I have not confirmed any debts to anyone at any time. I have also protested some as fraud. Especially the Bankruptcy that never happened. This inaccurate report has further damaged my credit. My real estate was illegally foreclosed in XXXX case and short sell in another, and was subject to illegal mortgage practices by XXXX XXXX and XXXX XXXX prior to recession, XXXX XXXX put illegal insurance on my fixed rate loan and forced my payments to XXXX, causing a economic storm for me and my future. They have since admitted this illegal activity but it does not help consumers like me when we can not be properly reimbursed for losses, and damages to financial reputations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Consumer Loan (Vehicle lease) with CIG FINANCIAL LLC (FL).
Issue: Managing the loan or lease

Complaint: I purchased a Chevy HHR for {$8000.00} and financed the vehicle through CIG financial in XXXX of XXXX. I made XXXX payments @ {$260.00} = {$4900.00}. My ex husband took over the car & payments as his name was on it and he could afford it. However, he made no payments. Sometime in XXXX, I started receiving harrassing calls from CIG, which threatened me with criminal action and incarceration for theft, although I was not in possession of the vehicle. The balance CIG claimed was owed on the vehicle was {$5200.00}. they claimed that the I had to pay not only the balance owed, but legal fees since they stated they had initiated legal activities against me and/or my ex-husband. They demanded {$500.00} up front, and monthly payments of {$250.00}. Although I am a single mom, with a child whose medical bills for XXXX totaled {$85000.00}, I took possession of the vehicle, paid the initial {$500.00}. I made XXXX payments @ {$250.00} = {$1700.00}. In XXXX, XXXX, I received a letter from CIG, offering to settle the account for a lesser amount, at lower payments. I immediately contacted them. the representative I had been working with, XXXX XXXX XXXX, tried to threaten and intimidate me into continuing with the original agreement. However, since CIG had offered me this agreement, I stuck to my guns and we changed the contract, so that my monthly amount was now {$160.00}. Although the payment was lowered, the amount owed was not reworked as promised. I made XXXX payments @ {$160.00} = {$340.00}, bringing my total payments to {$2600.00} + XXXX = {$7600.00}. In XXXX of XXXX, the vehicle was totalled in an accident. My insurance company, XXXX paid CIG financial {$2600.00} to settle for the vehicle. This makes the total paid out for the vehicle {$10000.00} I have since recieved letters from CIG Financial threatening me with legal actioin and claiming that I owe a balance of {$2800.00}. They have destroyed my credit, as they refuse to show that any payments have been made on the vehicle, and are showing it as a repossession ( it was never physically repossessed ). They said that even if I paid it off, it would remain so. They have further made XXXX unauthorized hard credit inquiries to my credit report, two within a week of each other. I am frustrated and at the end of my rope ; I do not know what else to do. I have been nothing but cooperative with this company. The payments I made after recovering the vehicle from my ex-husband were made as agreed ; none were ever late. This situation has caused me is XXXX ; I ca n't afford the {$2800.00} and I have no idea what I need to do to put a stop to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief