milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-05-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This is my second complaint against Bank of America for NOT reporting my Mortgage Payments to all XXXX Credit Bureaus. The first complaint Case No. XXXX was closed out an error by CFPB. XXXX XXXX/Resolution Specialist with Bank of American requested more time to respond to CFPB. However, XXXX XXXX failed to responded back to ANY of my inquires regarding an update as to why my Mortgage Payments were NOT present on my Credit Report. I made several attempts to reach XXXX XXXX with Bank of American and received complete SILENCE ... NO RESPONSE back to my many inquiries regarding this matter. 
On XX/XX/XXXX, I contacted Bank of America and was transferred to several individuals. I asked to be connected to XXXX XXXX Supervisor and I was told by that party that they did not have his Supervisor 's contact information, so she transferred me to a lady by the name of XXXX in the Bankruptcy Department. I was informed by XXXX that Bank of America has been reporting my ACTIVE MORTGAGE since XX/XX/XXXX to all XXXX Credit Bureaus but that it is the CREDIT BUREAUS POLICY ; XXXX, XXXX, XXXX AND XXXX XXXX POLICIES NOT TO REPORT ANY MORTGAGE PAYMENTS THAT WERE INVOLVED IN A BANKRUPTCY, THUS VIOLATING MY 5TH AND 14TH AMENDMENT RIGHTS. AND HAS FAR REACHING RAMIFICATIONS TO ALL CONSUMERS WHO WERE IMPACTED BY THE XX/XX/XXXX MELTDOWN AND WERE ABLE TO SURVIVE AND HOLD ON TO THEIR ASSET! 
This unlawful act in my opinion is in COMPLETE VIOLATION OF THE FEDERAL FAIR CREDIT REPORTING ACT.

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 07/15/2015 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I have an FHA residential loan with PHH mortgage. On mortgage website I saw they hadapplied my full payment due on XXXX XXXX 2015 of {$1000.00} on principal only, I emailedthem on XXXX XXXX, 2015 to point out what they had done and to ask them to fix theremistake. They have not fixed the mistake I emailed them again on XXXX XXXX, XXXX, XXXX, XXXX 2015, Emails were also sent XXXX XXXX, XXXX, XXXX, XXXX 2015 I have gotten no answers and theproblem is not fixed, it is only getting worse They have only responded with emailssaying I have a late charge, my account needs attention, and a generic email ofthanking me and a customer service rep will get back to me in XXXX hours. I did receive a letter via USPS from a XXXX XXXX Liaison, Office of President of PHH Mortgage saying they look forward to providing me with the highest level of service As of todaythere website states I owe a XXXX XXXX, 2015 payment of {$1000.00} and XXXX XXXX, 2015 of {$1000.00} is coming due. There is also an amount of {$500.00} in a suspense account thatI am unsure of what they are doing with money ( all taxes and insurance are up to date ) Ihave asked them to reapply all funds to bring things current and to resend aninvoice/statement showing problem has been fixed As of today XXXX XXXX. 2015 I havereceived nothing from PHH Mortgage showing problem has been rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have received absolutely abysmal service from MyFedLoan Servicing. They botched my consolidation process, they overcharged my interest rates, they provide completely inaccurate information from person to person, and they also have botched my recertification for income based repayment plans -- sending me notices to pay astronomical amounts when I have proof that I filed the appropriate paperwork 3 months prior. They are a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I obtained my annual credit report XXXX/XXXX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XXXX/XXXX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-XXXX cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! XXXX XXXX XXXX? 
XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We received a permanent modification yesterday XXXX/XXXX/XXXX from Select Portfolio servicing with terms that was different from the previous servicer XXXX. We initially was approved for a trial modification with three timely payments from XXXX. During the process were assured by XXXX that once we met all the requirements by making all three payments on time, then we would be given a permanent modification with no balloon payments. Our 1st payment was completed on XXXX/XXXX/XXXX with XXXX. Immediately after making the 1st payment, XXXX transferred the rest of the loan modification process to select portfolio servicing. The XXXX told us that transfer is the right of the Investor. Our Investor is XXXX with XXXX as trustee. XXXX promised us that nothing will change with the new servicer and that they will forward all details of the approved to select portfolio and select portfolio is to follow everything done in agreement between us and XXXX. We were stunned to learn of a balloon payment of {$550000.00} due with accrued interest at the end of the maturity date. added to the final documents. This is not what we were promised by XXXX That is who we made our first payment with thereby agreeing to the rest of the trial period which we completely successfully. CFPB needs to carefully look into this and direct this lenders/Investors to stop breaking these laws that are still in effect to protect us consumers. The terms of the permanent loan modification is only 19years that they gave us. WHY? Is this a loan modification or some type of gimmick. why a balloon payment and moreover accruing interest. This is just to prevent us from enjoying all the benefits of home ownership and to leave something to our children a legacy. See attached documents when areas I have highlighted with side notes. Thank you for your immediate intervention. The new modification expires in 15 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Problems when you are unable to pay

Complaint: at the time I voluntary gave car back .because I didnt have a job.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (KY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Since XXXX 2017, my Discover It Chrome Card has not been showing up on my XXXX XXXX XXXX it showed up from XXXX to XXXX but that was it then the card had dropped of the report and my credit score went down roughly XXXX points. I use XXXX XXXX to keep track of everything and all accounts are correct but the only one missing is the Discover Card on the XXXX report ; it 's on the XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2015 about Credit reporting () with EARLY WARNING SERVICES, LLC (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I initially filed a dispute in XXXX 2014 and subsequently in XXXX 2014. This company continues to defame my name. I sued them, however, there is a bankruptcy stay currently in place. I have been unable to keep a bank account open. The bankruptcy case # XXXX filed in XXXX District of Michigan was discharged today. You may call to verify at XXXX, however, this company continues to report that I owe money to the banks when that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (Credit card debt) with Orions Management Group, LLC (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: ORIONS MANAGEMENT GROUP LLC has call my cell phone repeatley I have ask them to supply me with proff that this a debt I owe they have not. 
ORIONS MANAGEMENT GROUP LLC has called my home repeatly about this same debt the refuse to show proff of, then a woman from this company start telling me I am reading your credit report you dont pay your debts. They refuse to give me a fax number so I can fax them a letter requesting them to contact me by maile only

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Auto debt) with V and H Portfolio (MD).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: On XXXX/XXXX/XXXX my employer received a voicemail on a general line where a collector ( XXXX ) working for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, stated that there is a case against me where they will be doing an asset review, so I need to respond. I immediately called back after the owner of the company asked me to call them and tell them never to call back again for their unprofessional method of contact. The woman who answered the phone never introduced herself, never advised what company she was answering the phone for, and never stated that the script that the call was to collect a debt. She continued to verify my information. After verifying my identity, I asked her to remove the number of contact from her file ( identifying it as my employers line and they do not want this company calling again ), and was told that she will continue to call the number and harass other numbers on my file. I told her by law she can not. I told her I was not aware of the debt and would like the debt validated, as I am unsure if this is related to an old car loan where I was not responsible for the balance owed due a valid dispute with the company ( which was provided to the original lender over 12 years ago ). I was told that they would not validate the debt. And in addition she said that I am receiving mail from them but they do not have a valid address on file. <P/>I called back again due to the unprofessional nature of the Representative, this time another woman who did not identify herself answered, she again did not verify who I was. I asked her for the information of the company which she did provide, then asked her who do I address my complaint with. She went right into divulging details of their case, and said that the rep did note the account that they should not call the business. I explained that the rep was threatening to continue calling and harassing after being told not too. She said she did not meant that. The woman ( supervisor ) never took the time to verify who I was either, and continued to tell me that my asset would be up for review, she did not even tell me the call was for the purpose of collecting a debt either. But I explained to her that our calls here at work are recorded due to the nature of the business, so I have everything recorded. She did not contest the recording.I can and am willing to provide the recordings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I paid my Chase credit card bill that was due XXXX/XXXX/17 on XXXX/XXXX/17 at XXXX and was subsequently charged a {$25.00} late fee, because Chase has a XXXX payment cutoff for online payments. The company also charged me a {$23.00} financing charge for interest. This is not the first time I 've been charged this fee as I 've had two fees waived before where I made a payment on the due date but after the cut off time. The most recent time the Chase employee I spoke with told me if I paid over the phone after XXXX I would not be charged a late fee. I attempted to pay by phone on XXXX/XXXX/17 to avoid the fee, but needed my full 16 digit card number to get through to anyone. I did n't have my credit card on me and I spent probably ten minutes going through different options trying to find one that allowed me to speak to a real human, but every time it wanted my card number. Therefore I paid it online and figured they would refund me given my attempt at phone payment. They did not. While {$25.00} is not a huge amount, this is a predatory practice these lenders use to pad their returns ( I know, I am a XXXX XXXX and speak with their management teams frequently ). Chase claims it says on my statement there is a XXXX EST deadline, which it does, but it 's in the fine print in the middle of the bill and no where near the portion where it tells you the amount and the due date. Given the small fee I wonder how many people this happens to that either overlook it, are too lazy to call them, or have the same experience as me. Point blank, if they have a cut off time of XXXX EST then that 's my due date and that 's what should be displayed as my due date, not just a generic date ( i.e. XXXX XXXX, 2017 ). Interestingly, Chase does n't even have the capability to issue a refund for this beyond the second instance, which I know because I spoke with a supervisor to attempt to get my fee waived who said there is " no way to override the system. '' This says to me senior management purposely programmed their system to take advantage of people who pay on their due date but past some arbitrary time deadline and are banking on the fact its a small fee that probably wo n't drive the customer away. Please change this practice. Chase is the only company I 've had experience with that has a time deadline rather than a day deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed many items on my credit report.. All XXXX agencies have made some changes but never took any thing off as requested. They have violated the fair credit reporting act. XXXX worked on this account for more than 8 months and they never had XXXX item removed. At a cost over {$800.00}. Some items are still not decided on after a year. THEY KEEP TELLING ME THEY ARE WAITING FOR THE COMPANY THAT THEY REPRESENT TO EVENTUALLY SEND THEM SOMETHING. Every time they receive a dispute, they lower my XXXX score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit card () with CITIBANK, N.A. (IN).
Issue: Closing/Cancelling account

Complaint: Regarding Citi XXXX credit card account. Citi XXXX card was cancelled by Citi on XX/XX/2016 citing concerns about payment. The letter did not explain the detail of concern leading to the cancellation. 

Prior to cancellation of the account spending requirement was met for XXXX status in XX/XX/2016. Prior to cancellation spending requirement to earn free weekend night in XX/XX/2016 was met. None of these benefits were delivered prior to the account closing. 

In addition cancellation has also negated any benefit provided under the annual fee. The legitimate use of citi 's credit services that qualified these rewards can be substantiated.

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 03/15/2016 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Advertising and marketing

Complaint: I was trying to do purchase on ebay and pay through paypal and actually the seller is Paypal ( Paypal digital gift cards ) and all my transactions are declined for straight two days ( XXXX/XXXX/2016 and XXXX/XXXX/2016 ) When I contacted them they said they issue is resolved and when I tried it again it did n't work. Then I called them again and talk to supervisor named XXXX ( ID : XXXX ) and first level support is better then this guy answers. Some of the answers are given by him are hilarious 1. " If your transaction keeps failing then you should not buy that product ''. - Paypal ca n't dictate me what I can buy or I ca n't buy. 

2. When I told him that I wasted lot of time calling you guys multiple times- His reply was " I did n't told you to call Paypal ''. If there is a problem then I need to call Paypal that 's why there is a customer service. He is implying do n't call customer service if there is a issue. 

3. He told Paypal ca n't guarantee a transaction I told that is fine but when there is a issue can you at least try to solve it he said " If the system thinks there is a security issue we ca n't do anything about it ''. When I asked when the issue will be resolved whether 1 day, 1 week, 1 month he said he do n't know and issue may not be resolved ever as well. 


I am not sure how such a guy has been appointed as supervisor and still continuing to do so. 

If paypal want to sell gift cards @ promotional price to only few customer then they should do targeted advertising. If they advertised in public then they should honor the purchase and should not block people based on the profile using security as shield to protect them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I cosigned a loan for my daughter in XXXX, when I had a job. She has not spoken to me in several years now. I did not know that she decided to stop paying her loan in XXXX of XXXX UNTIL Wells Fargo started harassing me non stop. I am now XXXX years old, I was laid off from my job in XXXX. I have not been able to replace a decent income. I have a very limited income now, under {$XXXX} a year. I have been in touch with W.F. constantly ... to no avail. They refuse to offer me any relief, as I had asked for a modification to either lower the rate or monthly amount.. I have also asked for some amount of loan forgiveness. All of my requests have been met with a strong NO! Please help! I am looking for any possible way for to find some relief at this time.

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 08/23/2016 about Debt collection (Medical) with AMERICAN ADJUSTMENT BUREAU,INC. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the debt in full to Attorney XXXX. 
However, American Adjustment Bureau emailed me that it would be removed from the credit bureaus. 
Now I am advised that they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My Capital One Credit card last reported on XXXX/XXXX/XXXX that I had a balance of {$5400.00} with a credit limit of {$6500.00}, showing 84 % usage. This has been paid off with a zero balance since XXXX. This has caused my credit score to drop over 40 points and I am in the process of getting a mortgage. I have called the credit agencies AND Called Capital One who said this may take 60-90 days. ALL I AM ASKING IS THAT THEY REPORT to the Credit Agencies but they say because I am in Florida they STOPPED CREDIT REPORTING BECAUSE OF XXXX. THIS IS GOING TO CAUSE A negative situation in possibly not getting my mortgage OR getting a higher rate. Are there attorney 's that I could talk to about getting this taken care of PROMPTLY? Today is XXXX XXXX, XXXX, so it is over 2 1/2 months since they reported the information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt is ineligible for collection. Debt never paid and is noted as going into default on XXXX. Statue of Limitations in CA has run as well as 7 limit on credit reporting.

Company response to consumer: Closed with explanation