milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-02-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax continue to willfully violate my rights pursuant but not limited to the " FCRA '' with negligent noncompliance. Equifax continues to report inaccurate information that was blocked due to identity theft pursuant to the FCRA 605 B ( 15 U.S.C. 1681C-2 ). An Equifax consumer credit report was acquired on XXXX/XXXX/2015 from Equifax Mortgage Solutions which still contains fraudulent accounts in which were deleted from my Equifax Consumer Credit Report which I have also uploaded. Equifax continues to ruin my life by inaccurately reporting fraudulent accounts in addition to violating 15 U.S. Code 1681i ( C ) and ( D ). I have been denied life & liberty due to this companies negligence and have done all that I can do to obtain remedy through the agencies that govern them.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problems caused by my funds being low

Complaint: When I logged into Bank of America Online Banking yesterday ( XXXX XXXX 2015 ), My checking account 's " Available balance ( as of today ) '' in the Account Summary showed a positive amount of {$250.00}. The same " available balance '' is represented in the " All Activities '' section of the Online Banking webpage. After I made a {$50.00} online transfer, my available balance remained positive at {$200.00}. At the end of day, my " available balance '' was {$190.00}. Including all pending transactions, my " available balance '' was still positive at {$40.00}. Today, XXXX XXXX 2015, I see an " overdraft '' fee of {$35.00} in my transactions, and my " available balance '' is not {$5.00}. When I call the bank to find out why they charged me an " overdraft '' fee, the representative claims that my " available balance '' went negative and directs me to the " Account Balance History '' section of the page. 

This " Available Balance History '' shows that, at Close of Business on XXXX XXXX, my " Available Balance History '' was negative by {$12.00} and the bank charged me a {$35.00} fee. The " Available Balance History '' also shows that it is the {$50.00} online transfer that took my account into a negative territory. However, when I made that transfer, my " Available Balance '' ( shown here as " $ Statement Balance '' ) was {$250.00}. This " Available Balance History '' is only available on the next day and does not show all transactions until the end of the day. Meaning that as of today ( XXXX XXXX ), I can only access the " Available Balance History '' showing my " Ending Balance - XXXX/XXXX/2015 ''. Therefore, I could not have the information that my account was overdrawn when I made the {$50.00} transfer yesterday. I was misled by the bank to see that the other " available balance '' was sufficient for the transaction. Why would they then charge me an overdraft fee when the information available at the time showed that my account had sufficient money?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/21/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The original creditor and Commonwealth Financial servicces have previously been notified this debt was the result of identity theft.. Commonwealth and the original creditor removed it from my credit report.. The false debt has once agian been put on XXXX, XXXX, XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We have been with Nationstar Mortgage for over 2 years. Our original loan was a principal/interest loan, when it was sold ( previously to XXXX ) it changed to include an escrow account. 2 mortgage companies later, we are at Nationstar Mortgage. Last XXXX, we were hit with an unusually high electric bill as well as having an accident in our RV. I fell behind 2 months on our payments. We tried to modify. On our 3rd trial payment, I realized that our 2nd trial payment was returned. So, I tried to reapply at their suggestion. These 3 trial payments were put to the back end of our loan, not the past due months, therefore by this time, it looked like e ere 4 months behind. In the meantime, they decided that we " make too much money '' and could therefore afford our original payments and denied the 2nd application. By the time we got things figured out, they required me to make 9 of said-12 late payments, draining our entire savings. I think this should have caught us up but it did n't. Anyway, I kept us at 2 months behind by continuing to make a payment each month since I could not afford to pay extra to catch up, hoping to catch up with my husband 's XXXX bonus. I missed a payment deadline by 1 day and now they will no longer accept my payments unless I can come up with 3 payments. They will not work with us in any other way. Because of all of this, our credit is shot and because of that, can not modify or refinance with anyone. At least when we were still with XXXX, they were willing to work with us when they added on the escrow acct, Nationstar is beyond not helpful. Oh, and my " account specialist '' is never at her phone, at least 3 times has told me that she had n't received emails because she left early, and seems to know less about my account than the other customer service reps in the call center. Another thing is that when I sign on to my account, I get a big msg " due to XXXX, our interest rates have gone down. Ask how we can lower your payment '', they told me we make enough money and do n't need our interest rate lowered!

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting   Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
<P/>
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
<P/>
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.    <P/> Name of Account : Account Number Provide Physical Proof of Verification :  XXXX   XXXX  Unverified Account-No Contract Santander Consumer  XXXX  Unverified Account   XXXX   XXXX   No acct # reported Unverified Account-No Contract

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: After looking over my credit report i have found a few items that are being reported inaccurately by Experian and request that they comply as i look to have an accurate updated credit report reporting only accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Application, originator, mortgage broker

Complaint: While I have another complaint in on Ocwen Loan Servicing regarding my " Work Out '' Remod loan and I am dealing with that, I had this conversation with their Ombudsman Office this week and was quote alarmed. It seems that Owcen Loan Servicing 's Right hand does not know what the left hand is doing? They were showing that I had agreed to a Deed-in-Lien, which I never did? This has caused a real problem on the process of a remod loan. The below is a summary of that discussion and I am asking your agency to get involved in the matter. I am also coping my HUD representative and Congressman 's office. 

Thank You Conversation with Ocwen Office of the Ombudsman - XX/XX/XXXX Ocwen Loan Servicing XXXX XXXX Office of the Ombudsman Loan # XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXXXXXX XXXX ; As per our conversation today, I HAVE NEVER, agreed to a deed-in-lieu of foreclosure and have always been involved in a " Work Out Program '' for a loan remodifcatiion. The current paperwork my relationship manager has with your company indicates the same. You indicated the reason the trustee sale for our property dated XXXX/XXXX/XXXX was placed on hold was due to a problem with a clear title and you were going to go back immediately and get this resolved so the property will not be rescheduled again for a sales. I have always wanted to KEEP the home and have never wanted to turn the home over. If that was the case then why? have I been working with your relationship managers since XX/XX/XXXX to get a remod completed. I have also asked you to reach out and make sure my relationship managers superior calls me ASAP to find out why I am having to completely fill out a new workout package again for the fifth rime?. Someone did call me last week ( believe a supervisor ) but the only message they left was to call the customer service number. That does me no good! Please have someone call again and if I am unable to take the call, leave a number a can call them back! I did receive a partially completed packet from my relationship manager and he did ask for a signature and to return back to him, but only part of the packet was completed? I need to get clarification from his supervisor ASAP. Finally, I am very upset that this has not only taken almost four years, but now your company is trying to say I wanted to turn my home over to Ocwen when in fact, that is the opposite. We are also waiting on a response to our demand letters, which you have said a response would be back by XXXX/XXXX/XXXX to the Consumer Finance Gov, Congressman 's XXXX XXXX office and myself. 

In summary, their first response is very disappointing and one that is totally unacceptable. I hope to get our new response going ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Experian has delayed removal of a default judgment reported on my credit report and made it difficult to submit supporting documentation online. Now after working on this matter for over 30 days, they have informed me that I must mail in my supporting documents thus delaying the corrective action even longer. I am in the middle of purchasing a home and need to have my bank prequalify a purchase but am required to work with Experian to fix the misreported information before moving forward with my loan approval process.     Thank you for your help to resolve this issue with Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I paid off the balance of my student loans on XXXX/XXXX/XXXX. Interest continued to accrue according to my navient account after my final payment. Saturday morning at XXXX MST they also debited my account for what was my typical monthly payment prior to paying off the remaining balance, overdrafting my account and leading to a rejected payment on my car loan. This resulted in overdraft fees and rejected payment fees. This charge was made two days earlier than my regularly scheduled monthly payment, in the early morning on Saturday. 

When I noticed that interest was accruing after my payment, I contacted Navient 's customer service department via their email contact service through my account describing the situation. I received an automated response that did not address the issue. After the Saturday morning wrongful charge to my bank account I attempted to contact them via phone immediately, to no avail, and submitted another email request. 

I have not yet been contacted in any way by navient.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Payoff process

Complaint: Citibank is not applying excess payments to the highest interest rate. They are claiming a lower rate balance transfer qualifies to be paid first because it has a promotional expiration date. That makes no sense - it 's not an interest free promotion ( deferred interest ) it just means the rate will go up when it expires. This does n't qualify as per the legal requirements.

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 03/30/2015 about Debt collection (Medical) with Creditors Collection Bureau, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: They never sent me substantiated records of services rendered ... .nor did they offer flexible payment options.. before damaging a 40 year old XXXX credit rating .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-03-2017 about Debt collection (Payday loan debt) with Tribal Lending Enterprise, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX is claiming I owe them over {$1400.00}, problem being I never borrowed money from that establishment ... they are located on an XXXX XXXX, so they are exempt from state law.. I am the victim of identity theft ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca 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 12/23/2017 about Debt collection (Medical debt) with Account Outsourcing Group, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have outstanding medical insurance under my husband 's policy through XXXX, I have no copay, and my XXXX pays for any coinsurance that may be outstanding. With that being said, I owe no debts to anyone, I made certain of this by visiting the billing department at XXXX XXXX XXXX XXXX in person prior to my XXXX and making certain that any old debts were paid. I did this because my employer offered no XXXX XXXX XXXX or XXXX leave and would essentially have to let me go once it was time for me to XXXX XXXX in XXXX of 2017. One would understand how I then find it difficult to comprehend why I have an outstanding bill for XXXX XXXX XXXX. Firstly, my name is XXXX XXXX XXXX, my middle name has never been " XXXX '' ... that is a candy bar. Secondly, if this debt was valid and they processed it correctly through XXXX, they should have been paid in full right? Well, to my surprise, I have received a bill from a collection agency for {$300.00} that is apparently owed to XXXX XXXX XXXX XXXX. I have several problems with this recent turn of events, first, I repeatedly asked the representative at XXXX XXXX if the bills proposed to me were complete when I paid them, and she confirmed that they were, I do not have another {$300.00} to give to anyone as I am XXXX. Second, I do not take lightly my private and proprietary data being sold to third-party organizations that I have no contractual obligation to. Who are they to share the very same information that they are supposed to protect under HIPAA law? Third, I made XXXX XXXX well aware of my financial hardship, and they have made no attempt to adhere to the Healthcare Financial Assistance Law ( HFAL ). I have been offered no assistance nor have I been given an opportunity to negotiate my outstanding debt.

Company response to consumer: Untimely response
Consumer complaint received 07-04-2017 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Trouble during payment process

Complaint: I have a mortgage with USAA, which is being serviced by XXXX. I have attempted to make extra payments on my loan in hopes of lowering my interests and shorten the terms of my mortgage. Rather than applying all payments towards my mortgage, USAA through XXXX, does not apply payments as they are received. Instead, my money is placed into an unapplied account. This means USAA applies only 12 of my 13 payments, which does not lower my interest or shorten the life of the loan. I have complained about this process with the CEO of USAA and other executives. I ca n't up and move my mortgage, which USAA knows. USAA also will not change the servicer of my loan. This prevents customers from paying off the loan sooner and keeps money in the banks pockets.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan servicer is Ocwen. Since the beginning of time of XX/XX/XXXX i have had so many issuesOn this shared appreciation modification, I had a lawyer, the person i dealt with lied, said no XXXX, yet they issue XXXX, then recant, then reissue. They up property inspection fees with notice, and will not show proof who these people are when date time. I had fallen behind again due to property damage and have court documents, and loss of job, i just got a job, after reviewing information, i had not noticed, i saw back in XX/XX/XXXX they took my whole down payment and applied to escrow, they had been over escrowing for a while causing further burden and it took almost a year for them to fix but put me further negative and reporting, they report to bureaus not more than 90 days i am not 90 days, they applied first payment in XX/XX/XXXX they put it all into an escrow, no where in modification did it say that the guy on phone the other day said they can do what they want with down payment? how is that. They know i live here, the other relationship manager is not there, she was uncooperative, i have challenged fees, etc nothing is done. I am at a loss since 8 years, its beyond stressful and I give up, you sue them what good does it do they do what they want. I am told they ca n't call my house because i do n't accept blocked numbers, i work for a bank, you have to identify your number, so i am forced to let them use my cell. they have no personality, i am given vague inconsistent information, i just give up. XXXX and XXXX scammed this from the beginning, my mortgage is assigned non stop, there is an allonge i never saw until online ocwen has personal information posted under their mortg docs on my child support. they over escrowed please help

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Wells fargo has engaged in my account multiple transactional manipulation and excess fee .charges. On  XXXX   XXXX  I checked my account and saw that if was negative  XXXX . I promptly made  XXXX  deposits on  XXXX   XXXX  to cover this.  XXXX  being a cash deposit of {$50.00} and the other for {$15.00}. At that time my account was drafted again via  XXXX . I was assessed with over draft fees even though my account was not negative from the cash deposit. They manipulated transactions and charged over draft fees to put me in the negative in an effort to charge more on top of those.

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 08-01-2016 about Other financial service (Money order) with WESTERN UNION COMPANY, THE (GA).
Issue: Unexpected/Other fees

Complaint: I purchased a WU Money Order for {$75.00} to make a payment to my at a XXXX gas station ) located on XXXX XXXX XXXX XXXX XXXX, XXXX GA ) to make a payment to XXXX Apartments in GA. The money order was returned by their banking institution and a return fee of {$75.00}. Now I am out {$150.00} as I had to pay this to XXXX Apartments ( GA ).

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: After my wife and I had extreme financial problems Bank of America ( BofA ) put us through their modification process in lieu of foreclosure. The experience was absolutely horrible, we tried completing on our own but then had to retain a lawyer just to track the paperwork since BofA continuously lost all our paperwork. We were offered a short payoff amount which was then retracted. We signed a modification approximately eight months ago and began making the payments as agreed. BofA can not seem to adjust their system to match the modification agreement and continues to report inaccurate late mortgage payments. Payments can not be accepted online since their system is incorrect. I have sent approximately five letters concerning this issue. BofA continues to ruin my credit reporting inaccurate mortgage lates which has caused significant additional financial hardships.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief