milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: There has been submittet XXXX XXXX XXXX XXXX payments on my mortgage in 2016 but the mortgage service company ( Bayview Loan Servicing ) claims only XXXX payments have been received. I have submitted copies of bank statements to Bayview, but I am unable to get the company to acknowledge that there has been made a mistake on their behalf. I have submitted several complaints to the company, but they have not provided any feedback. I have talked to more than XXXX customer service representatives but they are unwilling or too incompetent to help. Despite the fact that I have submitted documentation of payments the mortgage company claims a payment is missing and there is nothing more they can do to trace this.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 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 contacted all three major Credit Reporting Bureaus and have received the same answers from all of them about credit inquiries. Over the past 12 months I have had anywhere from 60 to 80 credit inquires on my credit reports. Fro some reason this did not set off any potential fraud alarms from any of them. 

I started receiving multiple credit denied letters by the mailbox full and I pulled my credit. I contacted the agencies and I was told they were all authorized and for ME to contact each individual creditor that pulled my credit. WHY? Why should I have to spend hundreds of dollars for something I did not authorize. 

I am a victim of ID theft and two fo the three credit reports are now locked. Yet, I am still getting hard inquiries. 

I am also a VERIFIED victim of the XXXX breach. 

I have TWO valid inquires. XXXX of XXXX and XXXX investors. THATS IT OVER THE PAST YEAR

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 05/25/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have paid this account in full and satisfied my obligations. I would like this Negative Account removed from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I demand to see Verifiable Proof of the accounts Experian have on file. But Experian still not show me. Their failure to positively verify these accounts has hurt my ability to obtain credit.

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 02/24/2018 about Checking or savings account (Checking account) with KEYCORP (OR).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened an account with KeyBank on XX/XX/2017. It came with {$300.00} in bonus for making {$1000.00} in direct deposits and five billpay or debit transactions in the first 60 days. I made {$1000.00} in direct deposits, but now they are claiming that it had to be in a single transaction. That would be very misleading, since that has never been how any bank bonus has worked in my experience. So they are basically telling me if I made a million direct deposits in the first 60 days of {$990.00} I wouldn't get their checking bonus. That is very deceptive wording and very misleading to customers who expect deposit amounts to be cumulative and not transaction based. I contacted KeyBank Corporate and they said I had to contact the branch and when I contacted the branch they said I had to talk to corporate so I got nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CONTRACT CALLERS INC (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a phone call from contract callers inc. Saying i had a XXXX insufficuent funds check from XX/XX/XXXX of {$370.00} that needed to be paid. They said the check was from XXXX and i have never had an account with this bank. I told the man must be a mistake because this is XX/XX/XXXX and if i owed XXXX money i would not still have phone service 7 years later. Must be a scam ... trying to get money over the phone ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10-04-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed the infomration on credit report regarding XXXX XXXX XXXX times with Experian credit reporting - the 7 year statute of limitations has expired. Yet, Experian will not remove. They have consistently continued to respond with a statement that the account was updated and left it on the credit report. Additionally, XXXX XXXX continues to submit the same infomation to Experian on a monthly basis ( last date of submission XXXX/XXXX/2016 ).

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 05-02-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WY).
Issue: Loan modification,collection,foreclosure

Complaint: We have been struggling with our mortgage company and its servicers for 8 years. We have attempted numerous loan modifications, settlements, and uncovered improper loan securitizations on their part. We are hoping for a resolution. On XXXX XXXX, 2016, I received a certified letter from XXXX XXXX XXXX with a notice of foreclosure. The first newspaper publication is scheduled for XXXX XXXX, 2016. The same letter lists the information that the statute requires a 10 day notice before the first publication. As you can see, we 've only been given an 8 day notice before the first newspaper publication. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (FL).
Issue: Trouble during payment process

Complaint: I have several issues with  PHH  XXXX   XXXX . I have requested my  XXXX  for fiscal year  XXXX  and have not received a copy needed to report my taxes. They will not post the documents on the online system neither will they provide the information on line. When I contacted them for the documents they stated that because I am in litigation with them they have to go through their attorneys to process the request. This has resulted in me being late filing my taxes and subject to late fees and penalties with IRS.     In addition, the litigation has been going since the beginning of  XXXX  and I can not get them to address my complaint about the failure for them to post my mortgage payments and interest correctly while in bankruptcy. At the beginning of bankruptcy, I owed them $  XXXX  and at the end of bankruptcy, I owed them $  XXXX  plus an additional  XXXX  for other fees. The payments made are not properly reflected over the time period.     The agreement we made under the bankruptcy was to pay {$2900.00} months during the bankruptcy period to cover what I owed. However the payment history reflected an amount of {$3500.00} being constantly billed to my account. If this is the amount that I should have been paying then why did they make the agreement in court that the amount of {$2900.00} would satisfy my loan.     No principal payments were posted in  XXXX  and  XXXX  ... .the {$2900.00} is not reflected in the totals of the escrow and interest amounts. Where is this money reflected in payment history!!!!!!     The next issue is that the principal balance as of  XXXX / XXXX / XXXX  was {$340000.00}. Then the payment history for  XXXX  show a balance of {$400000.00} but they send a document wanting me to sign saying we owe $  XXXX . So, they are not holding to the agreement that our {$2900.00} payments are satisfying the loan. They have increased the interest under their agreement and not letting us know that the amount has increased and we need to make the {$3500.00} payment. They have breached their contract of the {$2900.00}. Then they do n't give us documents to support the interest paid for IRS. requirements.     Their practices are not fair!!! and they do n't want to pay my attorney fee but provide me with  XXXX  that do n't meet the attorney fees and additional trustee fees, and IRS fees that I now owe due to them not settling the matter in adequate time.     Overtime they correct the payment history the amounts change to fit the bank. See all the documents that I have submitted with changes they posted to payment histories. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Consumer Loan (Vehicle loan) with United PanAm Financial Corp. (MO).
Issue: Problems when you are unable to pay

Complaint: I financed a automobile, it broke down ( transmission went out ) was told by a repesentive of the fiance company that they would help me out, that was a lie. Then after it being broke down for 3 months I told the finance company to come pick up the car. Owed {$4000.00} at that time, they sold it at auction for {$2900.00} then I never received any bill or statement what was owed. I did a check on my credit, they reported the information wrong. They said I owed {$5100.00} on a one month loan, I disputed their reporting because of errors and they now entered it as a new line of credit and still no bill of what 's owed. I feel they violated the fair credit reporting act. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Bank account or service (Other bank product/service) with MORGAN STANLEY & CO. LLC (NY).
Issue: Deposits and withdrawals

Complaint: I over the period of about 10 years basically wiped out my Rollover IRA. This was done via email through Letters of Authorization. I was never informed by the brokers at XXXX XXXX XXXX and then Morgan Stanley that these early withdrawals would be subject to early withdrawal penalties. In addition, this year when I got very ill and my wife took over via a POA she discovered that the Broker never contacted her about these withdrawals even though it is a joint Financial Management Account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2016 a Qualified Written Request was sent to NationStar. No response to this request was ever received. This violates XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX where a written request is required to be responded to not later than 30 days ( excluding legal public holidays, Saturdays, and Sundays ) after the receipt from any borrower of any qualified written request. A confirmation fax concurred that NationStar received the fax to XXXX. There currently is a foreclosure sale on the property for XXXX XXXX, 2016 when they have not proceeded properly with providing the factual information on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have repeatedly disputed the accuracy of reported debt to Transunion the last 2 dates are XX/XX/XXXX and XX/XX/XXXX. The accounts disputed were XXXX XXXX reporting an {$840.00} balance and XXXX XXXX with a balance of {$490.00} which is not accurate. Therefore should be removed. They do not notify me at all not by paper letter or electronic. When I spoke to TransUnion they simply said they verified the account was mine, no mention of the balances date of accuracy nothing. My lifestyle is being impacted by their negligence to report my credit file accurately. FTC laws are suppose to protect consumers from this type of activity and behavior.

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 07-12-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Portfolio Recovery is calling me for a fraud account that is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Closing on a mortgage

Complaint: I tried to close my HELOC in XX/XX/XXXX. I have still not received my lien release from Bank of America. They say I owe them {$13.00} fee for lien release. On XX/XX/XXXX they debited my checking acct. with them for {$13.00}. Acct. ending in 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 non-monetary relief
Consumer complaint received 01/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have owned an XXXX XXXX XXXX card for one more year and I just received an offer from XXXX & Amex last year which I could refer my friends to apply for this credit card. After my friend has been approved, I will get 10k bonus for each successful referral. I have referred three friends in XX/XX/XXXX. But I only got 5k bonus for the first two friends and had nothing for my third successful referral. I have contacted AMEX custom service to fix this issue in XX/XX/XXXX like 6 or 7 times. Initially, they said I need to provide my friends ' e-mail and full name. Then they told me I need to wait until 8-12 weeks for the rest of the bonus arriving in my account. I think already that I could wait. But after 12 weeks, when I contacted them and they said that I need to provide last five digits of my friends ' credit number. After a few weeks, when I contacted them, they said they could not find give me the rest of bonus since they could not find the history. Each time I contacted them first, otherwise, they wouldn't tell me any results of this issue. The truth is that my first two friends have received their open account bonus and I just got 5k not 10k for each like promised in the e-mail. But the customs service just told me that they could not find anything in the system. Is this a fraud approach to cheat more customs to apply for their credit cards? I hope this problem could be solved fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Capital One 's system locked me out of my account despite the fact it was at all times current. In fact I 've made a full payoff at the end of every month without exception. I 've spent the last four days trying to make a payment but the account is locked and nobody at customer service can do anything to fix it. In frustration, I called Capital One 2-4 times per day for four days to get the account unlocked - nothing. After my last call I decided I could only pay by check and then cancel my capital one credit card. 

If I ca n't make a timely payment then I will suffer damage to my credit score. I owe money but capital one is preventing me from making a payment, as absurd as that sounds. The customer service consists of numb people reading from their script unable to actually fix anything. Its a terrible terrible company. 

One person suggested that Capital One does not want the balance paid in full so they can earn additional interest and late fees. Like XXXX XXXX, Capital One appears to be manipulating its payment process to force higher fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Mortgage (Conventional fixed mortgage) with ACADEMY MORTGAGE CORPORATION (UT).
Issue: Credit decision / Underwriting

Complaint: I received an email from one of the lenders I 've been considering. It said ( among other things ), " The next step in the process is for you to Esign your Initial Loan Disclosures. I have also attached a pdf format for you, that way if you want you can print and sign them and then send them back to XXXX and I. '' The PDF that they attached contained sensitive personal information, like my SSN and financial history. However, the PDF was not encrypted. I 'm concerned that this lender is regularly transmitting such sensitive information in a careless way, not taking the appropriate steps to keep their client 's personal information secure. 

I responded with my concerns, quoting guidance provided on the FTC 's website ( https : //www.ftc.gov/tips-advice/business-center/guidance/financial-institutions-customer-information-complying ) regarding transmitting information over email. A colleague of the original sender responded to me with, " XXXX should be sending these documents Encrypted. We have a system in place for this. We will make sure he does this starting Now. ''

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The following XXXX accounts were not properly investigated by Equifax and they remain inaccurate and illegally reported to my file. XXXX XXXX # XXXX and XXXX XXXX # XXXX were not properly investigated and I was not given ANY proof or evidence of any reinvestigation that resulted in these items being verified. They are not verifiable and are still inaccurate and contain incorrect information within the reporting. Equifax should not be allowed to report them to my file as the inaccuracies are affecting me financially. I requested absolutely any evidence to be shared with me regarding their investigative duties and i fear that nothing was ever done to properly verify these items because they remain incorrect and i still have not received any documentation or procedures to show any sign of a reinvestigation. I have contacted the furnishers and they have assured me that no one has contacted them to conduct a reinvestigation on the accuracy or completeness of these XXXX accounts. i have spent so much money corresponding with them via certified mail and they continue to give me no answer and no proof. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: Wells Fargo Email    X/XX/2017  I need you to send me the mortgage statement. This account page has the mortgage account number trunca ted. If I do n't have the complete account number along with the current amount due, I can not pay the mortgage on my house. It is unbelievable that  Wells Fargo  is giving me such a hassle over this. I never heard of a Bank/Mortgage company refusing to send statements to the owner of the house. I quit receiving proper statement to pay from months ago. I contacted  Wells Fargo  and they offered to   1 time fax me the current statement. However, I do n't have a fax machine and Wells Fargo refuses to send me statements by US Mail. This is why I am filing this complaint.
Are you ( Wells Fargo ) t  rying to create a mortgage default on my house?      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  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 03-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Received two letters from XXXX stating that my accounts with XXXX were being sold to a collection agency XXXX. Acct ending in XXXX had a balance of {$3300.00} and acct ending in XXXX had a balance of {$3400.00} according to the letters. I reviewed my credit report with XXXX credit Bureaus Transunion, XXXX and XXXX and noticed that the amounts and dates reflected on my reports were different than what the letter stated and that XXXX was also reporting as a separate account from XXXX on my Transunion report which made it seem like I had XXXX past due accounts instead of just XXXX. Transunion reports shows as follows : XXXX acct ending in XXXX balance {$3600.00} opened XX/XX/XXXX, XXXX acct ending in XXXX, balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} XXXX shows both XXXX accts the same as Transuion but no XXXX accts. 
XXXX shows no XXXX accounts but the XXXX shows as follows : XXXX acct ending in XXXX balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX None of the amounts reported to the credit bureaus match the amounts listed on the letters I received in the mail from XXXX. I never signed a contract with XXXX and my account with XXXX was included in a chapter XXXX bankruptcy that was filed XX/XX/XXXX so my account should not have been transferred or sold to XXXX or submitted to the collection agency XXXX. The inaccurate reporting done by XXXX and XXXX has made it very difficult to acquire new credit and has tremendously effected my credit scores with each reporting agency. I demand all accounts be removed from XXXX bureaus as they are inaccurate

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 07-06-2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Shopping for a loan or lease

Complaint: I was looking for car to purchase in XXXX at XXXX NISSAN I was put under a lot of pressure by XXXX XXXX and his used car manager. I suffered a XXXX, they took advantage of me by selling me XXXX different cars, checking my credit three times and lowed my credit rating. Also gave me a 10 % interest rate. XXXX XXXX XXXX XXXX wanted to pay my loan off and give me a lower rate but they said that the dealership committed fraud on my loan and the XXXX MAXIMA was over priced, XXXX times its value. The car is worth {$20000.00} and I paid {$60000.00}. I have told NISSAN CONSUMER AFFAIRS about this for XXXX years nothing has been done. I continue to make double payments on a fixed income. I am a XXXX Veteran with various health problems. Your cooperation in this matter will be gladly appreciated. This is disgrace to be treated this way. THANKS

Company response to consumer: Closed with explanation