milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/27/2015 about Bank account or service (Checking account) with U.S. BANCORP (KY).
Issue: Problems caused by my funds being low

Complaint: I was called out of state for a family emergency and left on XXXX/XXXX/15. I left my landlord a 30 day notice in order to move to a new rental house and half of XXXX 2015 rent ( with instructions to deposit on XXXX/XXXX/15, IF I had not been able to return and submit in person. ) I left on my trip and unfortunately my landlord deposited the check left for him on XXXX. This resulted in over {$500.00} overdraft charges for less than {$200.00} spent on incidentals on my trip. My autodeposit of {$470.00} ( received XXXX ) was all applied toward fees. My friend deposited {$160.00} into my savings account ( upon my discovering the negative balance by surprise on XXXX ) for me to live on until months ' end. That too (! ) was immediately applied to late/overage charges even though I did not KNOWINGLY have Overdraft Protection from Savings established with my checking account. Had I known that was a likelihood, I would have requested my friend send $ via XXXX XXXX or a XXXX XXXX XXXX Option. I contacted my local branch and even with an end-of-the-monthgood faith deposit pending of {$1700.00} set up for auto-deposit, none of the ( excessive! ) fees were waived. I was left XXXX until months ' end and now my work paychecks will be " docked '' ANOTHER - {$400.00} to cover MORE overdraft charges that have mounted. The move to a new residence is having to be delayed and overdraft charges are now amounting to - {$800.00} plus. The US Bank in XXXX, KY was unwilling to forgive any of the " account bleeding '' even though the situation was explained and the date on the check deposited was starred and circled to try to prevent anything like this from happening. The stress and angst from the whole situation has been awful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On Friday XX/XX/18 I got copy of me credit report and notice some things on my report that I didn't apply for. I called credit bureau and told them about my credit, and they said they would take it off, but when i got a copy of me undated report the inquiries were still on.

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 05-12-2015 about Debt collection (Credit card) with CITIBANK, N.A. (NV).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: The XXXX XXXX XXXX are repeatedly contacting my phone, my employers, and the landlord of the house I am renting. They call up to XXXX times a day re : a collection. This has now become a problem with my employers and the phone calls need to stop before I get fired because of them harassing my boss.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have not received enough information to verify the debt. I have repeatedly request proof of debt, they only have the statement but nothing else. I have disputed this information and they continue to say that the debt is mine without proof.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Settlement process and costs

Complaint: We deeded the XXXX house to my daughter XXXX XXXX in XXXX retaining a life estate. She received a XXXX $ mortgage in XXXX XXXX. Our names were handwritten and added to the mortgage and we signed as life tenants not borrowers. It is my understanding that life tenants ca n't apply for s mortgage. We never signed as borrowers as indicated on mortgage. Also XXXX was never in our house as we testified to. Attachment That mortgage was satisfied in XXXX XXXX. Attachment It no longer exists on the recorded county registry. 
XXXX XXXX then received a XXXX $ mortgage attachment which we were not aware of nor signed this mortgage. This is the now the recorded loan, not the XXXX $ .attachment We went through foreclosure mediation with an attorney and it was denied. Indy Mac became XXXX XXXX now it is Ocwen. Ocwen refused to negotiate with the XXXX $ since it was the title company 's error which they admitted. 
They are now in court to take away our life estate with the XXXX $ loan and s judge ruled in the banks favor. We are now appealing that decision that this mortgage NOT tecorded. The regulations are in NJ statute that recorded documents can be utilized. They are using a mortgage that no longer exists. Indy Mac knew of the title company 's mistake by not researching rhe recorded deed. Attachment in order to get their money in their greed they are allowed to utilize a previous loan. We as life tenants wish to keep the house and settle to receive a loan modification to purchase the property and remain in the house. The bank knew of the recorded mortgage but chose to file s complaint against us removing our life estateso they could foreclose. Our appeal Might not be heard leaving us without s home to live in with our granddaughter. We deliberately did a life estate to prevent this from happening. SO title company off the hook and bank Pursuing illegal Options. The first mortgage we are not borrowers as they claim and the recorded loan we were not included as life tenants so that mortgage not valid either. We are left with in a difficult position as the courts have sided with the judge and our appeal might not be heard. We ca n't get a loan because the house not in our name, the title company did not orotect our interests, the borrower is not sued but we are foreclosed on with no roof ovef our head. 
The title company and bank should be held acvountable for their illegal banking practices.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello, Transunion continues to provide false and inaccurate consumer information in regards to my accounts as listed below : 1. XXXX XXXX XXXX. The account balance and payment history are incorrect as previously disputed. Account is current. This item must be updated or removed. 

2. XXXX Bank Account # XXXX. This account is current and the account balance is inaccurate. This must be updated or removed. 

Thank you for your assistance in getting these matters resolved.

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 03/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I HAD A STUDENT LOAN FROM AN XXXX SCHOOL MORE THAN 28 YRS AGO. AT THE TIME, I REALLY DID N'T KNOW WHAT I WAS SIGNING BECAUSE I WAS LIKE XXXX OR XXXX AND HAD JUST HAD A BABY SO I STARTED THIS XXXX SCHOOL. WELL I ENDED UP XXXX AGAIN A FEW MONTHS AFTER AND EVENTUALLY NEVER GOT THE CHANCE TO FINISH THE SCHOOLING. YEARS LATER, THIS ENDED UP ON MY CREDIT AND WAS A MAJOR PART IN DESTROYING MY CREDIT. SO I FINALLY, NOT WANTING TO AT ALL, ENDED UP FILING FOR BANKRUPTCY, THINKING THAT IT WOULD EVENTUALLY GET RID OF THE DEBT ALONG WITH THE OTHERS. WELL AFTER COMPLETING AND GETTING DISCHARGED FROM BANKRUPTCY, THE LETTERS AND THE NUMEROUS AMOUNTS OF PHONE CALLS STARTED COMING AGAIN FROM THIS AGENCY CALLED NAVIENTS. INITIALLY, I WAS TELLING THEM THAT I HAD NO IDEA OF THIS DEBT BECAUSE I 'D NEVER HAD A LOAN WITH A COMPANY CALLED NAVIENT. WELL, THEY KEPT CALLING AND CALLING THREATENING ME ABOUT THIS DEBT. A COUPLE OF YEARS LATER, A COMPANY CALLED XXXX STARTED CALLING AND HARRASSING ME ABOUT THIS SAME DEBT, EXCEPT THAT NOW IT WAS MORE THAN 4 TIMES THE AMOUNT OF THE ORIGINAL LOAN WHICH WAS ONLY ABOUT {$2200.00}. WELL, THAT COMPANY INTERCEPTED MY TAXES AND IT CREATED A DEFINITE HARDSHIP FOR ME AND MY FAMILY AS I HAD JUST LOST MY OLDEST CHILD AND ONLY SON TO XXXX. I HAD TO BORROW MONEY FROM FRIENDS AND FAMILY JUST FOR HIS BURIAL. I WAS OUT OF WORK FOR WEEKS BECAUSE I COULD NOT FUNCTION. GOT BEHIND ON SEVERAL BILLS AND MAINLY MY RENT SO I WAS EVICTED BUT A FRIEND HAD A PROPERTY NO ONE WAS LIVING IN, SO HE LET US STAY THERE. I HAVE XXXX OTHER DAUGHTERS, MY SICK ELDERLY MOTHER AND MY GRAND DAUGHTER, WHO IS MY SONS OLDEST CHILD. HE HAS XXXX. AFTER THAT, I SET UP PAYMENT ARRANGEMENTS WITH XXXX AND COMPLETED THE REHAB PROGRAM THROUGH THEM. I DID NOT KNOW THAT THIS {$2200.00} LOAN HAD BEEN SOLD TO XXXX COLLECTIONS AGENCIES. THEREFORE, THE AMOUNT OF THE LOAN HAS QUADRUPLED TO MORE THAN {$8000.00}. AFTER THE LOAN CAME OUT OF DEFAULT, DUE TO THE REHAB PROGRAM, IT IS NOW BACK IN NAVIENTS HANDS AND THE PAYMENT PROGRAM THAT THEY ESTABLISHED IS WELL MORE THAN I CAN POSSIBLY AFFORD AND WOULD CREATE AND UNNECESSARY HARDSHIP ON ME AND MY FAMILY ONCE AGAIN. TO TRY TO EVEN PAY IT OFF WOULD BE MUCH WORSE BECAUSE NOW AFTER ALL THE OUTRAGEOUS FEES AND CHARGES, THEY ARE SAYING I WOULD END UP PAYING OVER {$12000.00} FOR A {$2000.00} LOAN. I WROTE THEM AND ASKED IF WE COULD COME TO A PAY OFF AGREEMENT FOR A PERCENTAGE OF THE ORIGINAL AMOUNT OF THE LOAN AND THEY DECLINED MY OFFER, WHICH IS WHY I AM WRITING TO YOU. I GET XXXX AS A VETERAN AND I 'M BARELY MAKING ENDS MEET WITH MY FAMILY AS IS. AS I STATED, THIS LOAN IS ALMOST 30 YEARS OLD AND TRYING TO PAY THIS OFF WOULD BE NEARLY IMPOSSIBLE. AND THEY ARE DESTROYING MY CREDIT IN THE PROCESS, EVEN AFTER BANKRUPTCY. CAN YOU ALL PLEASE HELP?

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I made an application for an interest rate modification from M & T Bank. The home values in my area are below my mortgage balance. I tried XXXX toget them to adjust my interest rate to reflect the market, they have refused on both occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (RI).
Issue: Loan servicing, payments, escrow account

Complaint: Thanks to CFPB I was able to secure a HAMP agreement with Nationstar last month and have successfully initiated payments under this agreement. However, I have repeated received certified notices, emails and messages that my mortgage is default and my home may foreclosed on. I do not trust Nationstar primarily because their systems do not appear to accurately reflect the status of my HAMP agreement. I have gotten repeated calls to contact Nationstar about the status of my mortgage which appears to be in direct contradiction of my HAMP agreement. I have pointed this out to Nationstar and they have proceeded to send me foreclosure threats event though the terms of my HAMP agreement do not permit the firm from foreclosing on my home while I go through the trial period. Nationstar has verbally told me that as long as I pay the mortgage within the month it is due there will be no penalty but I get different stories from different people and do not feel as though I have been told the complete truth about how the HAMP agreement works nor have I received explanatory documentation that details my HAMP agreement. I am concerned that Nationstar is attempting to foreclose because I have significant equity in the home and have not yet sold my house which is on the market. I would like more assurance from Nationstar, in writing, and clear documentation of the terms and agreements in the HAMP trial period.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX I submitted the claim listed above to have an incorrect collection account removed from my credit file. I received a response on XXXX/XXXX/15 saying the creditor/collection agency had verified the account was mine. The account was being reported XXXX, I contacted XXXX companies on XXXX/XXXX/15 and was told XXXX that they did not report anything against me using my social security number. The account reported was for my father who has a different date of birth, they did not use my social security number or his to report the account and that I should contact Equifax to have it removed since they were the credit reporting agency. XXXX had not reported anything using my information so they could not remove it. When I called equifax again, I was told by a representative that I had to contact the collection agency so they can remove it from my report. When I asked why A collection agency was going to change my file with them when they had told me they could not they said they didnt know but that equifax was not able to change credit files even though thats what they do. I have gone through Equifax 's process of disputing incorrect information and I have not been able to remove this from my file. It has kept me from buying a home and has cost me money when I have applied for credit all due to their negligence and willful non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On  XXXX   XXXX , I pulled my credit report with  XXXX  and all   XXXX   credit agencies came up. However when a mortgage lender pulled it.  XXXX   XXXX   XXXX  and  XXXX   XXXX  pulled it, both said that Transunion is not showing on my account. I contacted Transunion on Friday  XXXX   XXXX  and Monday  XXXX  to discuss and they advised that I am registered with them and should have a score due to their system having a score. I advised them that I do not have a score after trying numerous times. Not sure what to do but I am looking to open a home loan but t his one problem is preventing me from proceeding with get a home loan. Please help Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Transaction issue

Complaint: I consulted XXXX to consider taking my legal case. I was told that I needed to pay a retainer so the law firm would be able to take my case because they where pro bono to the max. After making payment, I suspected that the firm turned my retainer into an opinion letter with no real consideration on representing my case and notified the law firm that I already paid for an opinion letter and I was only interested in having my case represented. The law firm use bait and switch tactics presenting me an opinion letter with various errors and conspired to make me talk to their XXXX and used that as the sole reason to deny representation after the fact. I was told that I may have to pay fees to the doctor but I was never informed that I would have to talk to a doctor and the single reason my case would be denied representation could be based on just that fact. Additionally, the law firm invoiced me and went back and added more charges after the fact. The service that I was led to believe I was paying for was substantially misrepresented and converted into a fancy email with many material factual errors and when those errors where mitigated the law firm decided to fall back to the 30 minutes XXXX as the sole reason to shirk their duty. I was substantially led to believe my case needed to be evaluated so that I could be represented by XXXX when in fact XXXX only planned to rush an error prone glorified email report with no real intentions of representing my case using any means to reduce the merits of my case even though I corrected the majority of the discrepancies only to be denied from their internal XXXX report even though a retainer had been solicited. Retainers are generally used for the duration of legal representation in my opinion and this bait and switch tactics is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax on XXXX/XXXX/XXXX sent a copy of my credit report including my SS # and credit information to an old address where I have n't lived since XXXX XXXX. And thus put me at extreme risk of identity theft. Equifax did this despite refusing online to give me a copy of my annual credit report because they could not confirm my identity and current address! I sent Equifax in XXXX and XXXX XXXX my correct address both online and by mail with copies of indentifying documents requested to verify my identity and current address. I think it only fair that the CEO of Equifax be ordered to send me his SS # and credit report so that I can then send it to WHO-EVER I want and expose him to the same risk of identity theft that he exposed me to. XXXX and XXXX did not do this, what the XXXX is wrong with Equifax?! Maybe I should be talking to an attorney for compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: To whom it may concern, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX employees are trained, and dedicated to misleading, giving false information and playing on the emotions of students who are trying to faithfully pay off their student loans, including myself. Their company makes promises that they NEVER intend to uphold or keep! 

On XX/XX/XXXX, Equitable Acceptance, XXXX XXXX, and XXXX XXXX  offeredme 3 main things, which were false and fraudulent : # 1. To consolidate all of my student loans, so on my credit report it would only show 1 consolidated loan, which they DID NOT do! According to XXXX XXXX, owner of my student loans, my student loans were consolidated ONE time in XX/XX/XXXX, by XXXX XXXX XXXX, not by Equitable Acceptance. In my BBB complaint dispute " EA '' said they did not offer me that, but when they call me to collect money, just last week and every other time I connect with them, they say they want to discuss the '' consolidated loans '' and collect payment! 
# 2. Enroll me into a " Forgiveness Loan Plan ''. ( According to XXXX, who own my loan, they state, the third party, Equitable Acceptance have NO authority to do so, nor do they have the authority to make any other changes to my student loans. As of today, XX/XX/XXXX, I am not enrolled in any such program! 
# 3. Charge me a " service fee '', not offer me another loan/line of credit to get out of debt!. They need to stop doing business dishonestly! 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX my husband paid Transworld Systems Inc ( TSI ) the full amount to pay off a medical debt and one other account that they said that I owed. My husband verified that this satisfied all debts owed to TSI, and was told that it did. However, the account continues to report to my Credit Bureaus. I requested disputes with XXXX twice ( thinking that XXXX and TSI were the same thing ) - both times the balance changed, but only by small amounts, and the account stayed on my report. We contacted TSI on XX/XX/XXXX and spoke with an agent. We advised them of the situation, gave them the confirmation number and the date and amount of the payment ( which we have the records of ). We were told that the account was paid off and that they would remove it from my credit and send us a letter stating that the account was paid in full. We have not received the letter and the account continues to not only report on my credit, but to also increase in balance each month. TSI has had 5 months to report the account as Paid in Full. Instead, each month, over the last 5 months, they have reported the account delinquent and increasing in balance.

Company response to consumer: Closed with explanation