milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: dear sirs. Here 's the problem I 'm on fixed income and retired and have serious health problems  XXXX   XXXX   XXXX   XXXX   XXXX  not too long ago. I had a checking account and savings account they were charging me {$10.00} for taking money from savings to checking per transacti on at one m onth  XXXX  in fees and another month  XXXX  in fees for  XXXX  accounts in the same bank. I have modest income and about und er 2.000 in saving s in the bank. Because my serious health conditions I can not always monitor how much I have in checking savings too avoid overdraft fees. Because of my health problems I have a lot of  XXXX  and always worry about paying my bills. I ca n't pay all my medical expenses. I called customer service at Bank of America to see if they would refund my overdraft fees from savings to checking because my poor health situation. They said NO they do not care about your situation or that you do n't have a lot of money. They are the most heartless people that I have dealt with. All they care about is making as much money off the poor as they can. They are just the worst in humanity its always the bottom line  XXXX  forgives they do n't. I can give you copies of my paperwork from this bank. I do n't like complaining but its always the little guy vs the big banks. I had to close my account and go too another bank too save myself from financial disaster. Please help me. Sincerely  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 05/17/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have XXXX judgments listed on my CR with Equifax. I was involved in a lawsuit that involved Equifax reporting judgments from Virginia XXXX inaccurately/ The judge ordered that Equifax completely REMOVE these items completely. My first dispute they updated them all to Satisfied. Then I sent the court order and settlement documents from court in and they still refused to removed these items all which were paid and vacated. So I disputed them again and they changed the satisfied to Pending UNpaid. I tried calling and the lady was rude and unhelpful. Furthermore Equifax lowered my score cause I kept disputing. I have a court order for these XXXX judgments to be removed and they wo n't do it. I had no problem with XXXX and they deleted them within 3 days. Equifax is not following judges order for deletion which is why they were sued to begin with due to improper reporting. These judgments have greatly affected my scores and caused me to be denied on a mortgage I would have been approved for if those judgments were gone. I faxed them over XXXX pages of documents and they now reported it negative again. What can I do? My disputes as follows XXXX XXXX XXXX XXXX This is ridiculous and their stupidity caused me to lose my home buying power.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2015 about Mortgage (Conventional fixed mortgage) with PRIMARY RESIDENTIAL MORTGAGE (GA).
Issue: Credit decision / Underwriting

Complaint: Up to one week prior to closing, I was working with XXXX XXXX on my mortgage. On Tuesday, XXXX XXXX, I was notified that XXXX was no longer with Element, and I would be working with XXXX XXXX and XXXX XXXX. 
When I was introduced to XXXX by XXXX XXXX at XXXX ( our builder ), I already had a mortgage. I was enticed into switching to Element to take advantage of a builder $ XXXX credit toward closing costs, and a lender $ XXXX credit toward closing costs. 
On XXXX XXXX, I inquired with XXXX XXXX and XXXX XXXX about the HUD, as I did n't think it was correct ( email attached ). I continued to ask if everything was correct, and if we were good to close on Friday. I received an email from XXXX stating " yes ma'am, we were all set for Friday ''. At no point did XXXX or XXXX tell me that we were not getting the $ XXXX closing credit from Element. It was n't until XXXX hour past the scheduled closing time that we received a new HUD, which did not include the lender $ XXXX credit. 
Upon receipt of the incorrect HUD ( at our closing appointment ), we rang Element. Neither XXXX nor XXXX answered at first, and we were forced to sit at XXXX XXXX office waiting to hear back. I did end up hearing back from XXXX and XXXX, and they said no, you are not receiving a credit from us. 
I was extremely upset, and was told to speak with a Manager at Element, I believe his name was XXXX ( XXXX ) the number he called from is XXXX. The manager agreed to a $ XXXX credit, and in the same conversation said he had to fire the entire division that XXXX worked in- which leads me to believe that the issue is much larger than just my mortgage. 
This is mortgage scam/ fraud to lure customers in, not answer their questions, and spring changes on them when it 's too late for you to do anything about it. I was forced to continue with the closing or essentially become homeless.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: I have been receiving poor customer service from Bank of America the whole time they have been my mortgage loan lender. I purchased my home on XXXX for {$610000.00}, which was split into XXXX loans- {$490000.00} and {$120000.00}. Within a year of purchase I unfortunately was going thru divorce and bankruptcy ( Chapter XXXX ) proceedings ; both concluded in XXXX XXXX. I also had initiated a mortgage loan modification prior to the Court granting the Chapter XXXX Bankruptcy in XXXX XXXX. My mortgage loans were included in the approved bankruptcy. However, Bank Of America did not grant any loan forgiveness or principal reduction. Much later, on XXXX XXXX, XXXX, a loan medication was approved by Bank of America consisting of adding late and penalty fees to my initial XXXX principal mortgage loan of {$490000.00} mortgage loan resulting in a {$28000.00} increase ; XXXX principal balance of {$520000.00}. The terms included an adjustable interest rate change for the following 8 years from 2 % to 5 % and a balloon loan of {$140000.00}. Bank of America was threatening to foreclose my property and out of fear I agreed on the outrageous loan modification. In XXXX XXXX, I requested a loan modification, which was denied on XXXX. 
As of XXXX XXXX, XXXX, I have received a yearly mortgage loan payment rate increase, which has caused me significant financial hardship and to accrue a lot of debt. On XXXX, I advocated for principal loan balance reduction, as I had calculated that I had paid almost {$300000.00} between the XXXX mortgage loans ; however, my mortgage loans only had a {$22000.00} balance reduction. My pleas and supportive evidence were ignored and I did not receive a principal mortgage loan reduction, interest rate reduction, and/or monthly payment reduction. 
At this time, after a nine year period of paying my mortgage, my balance of loan is {$440000.00} ; only {$44000.00} ( 8.9 % ) decrease in nine years. I am not at all close to paying 30 % of this mortgage loan, which is due to how Bank of America has processed my mortgage loan and their unwillingness for a reasonable loan modification despite this debt being included in my bankruptcy. 
In less than a month, my mortgage payment will increase from {$2700.00} to {$2900.00} and I am not sure how I am going to be able to pay my mortgage on a monthly basis. If I would have been granted a reasonable modification, I would not be having this severe hardship.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am a victim of identity fraud since 2011. 
First National Collections Bureau Inc. is representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who claims I owe them for purchases made in the amount of {$660.00}. I have already sent them a letter in writing with police report & other documents as proof that I had my identity stolen and that someone duplicated my social to file taxes in this same year. Since then yearly I get my credit report and the government sends me special instructions in order to verify myself when filing taxes. I have never ordered any items nor have I received merchandise at my permanent address ( 10 years ) XXXX XXXX XXXX XXXX XXXX Fl XXXX. I checked the only personal bank I use to confirm that I have not been charged nor was my account used to make purchases to 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 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My son went to the XXXX XXXX XXXX XXXX sometime this year. The hospital been sending him a bills saying that he owes them {$240.00}. After not getting a response from my son about this debt, they then sent it to the collection company XXXX XXXX XXXX to see if they could collect the money owed. XXXX XXXX XXXX did not contacted me about this debt to see whether it belongs to me or my son because we have the same name. Instead the went ahead and place this debt on both of our credit report. I contacted the collection agency to let them know that I did not owe this money and that the debt belongs to my son. I  also contacted the hospital about the debt and they also stated that this debt does not belong to me and that I should contact the collection agency again. I have contacted the collection agency 5 time already to see if we can resolve this issue.The collection agency states that they have already notify the all three credit reporting agency to have this item remove from my credit profile. XXXX and XXXX removed the item but Equifax will not remove the item and insisted that the item belongs to me. I have repeatedly disputed this item but Equifax still say that the item belongs to me. I even try to get the collection agency on the phone with Equifax, but the representative from Equifax say she ca n't speak to third parties and will not take the information from the representative from collection agency with the control number showing that they already send the request back in XXXX XXXX to have this Item remove.I have also asked XXXX XXXX XXXX to send me a letter stating that this item belong to my son and that they have request removal of this item, but i did not get that request full fill. I again contact the billing department at the hospital and they stated that they will have the collection agency send me a letter showing that they corrected the mistake, still no letter. I did not go to the hospital and I do n't owe them the {$240.00} that is placed on my report. I need this Item remove from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On X/X/2017 I overpaid my account by {$270.00}. I intended to pay another account I held with Synchrony Financial. I recognized my mistake and called them on X/XX/17. I call them to inform them of this mistake. They assured me they would correct the mistake and credit the correct account. They mistakenly transferred twice that amount. They then sent a statement showing I owed {$270.00} because of their mistake. I called and spoke to 2 representatives in XXXX who told me I owed the money. I asked to be transferred to a representative in the United States. I then spoke with a young lady who could n't assure me they would fix my issue. I then asked to speak to her boss by the name of XXXX. XXXX could n't have been any more rude or disrespectful. He finally admitted the mistake but gave no assurance they would make it right. This company seems to be deceiving their customers in order to gain financially! They need to be audited federally to show this unethical practice.

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 08-10-2017 about Debt collection (Other debt) with JPMORGAN CHASE & CO. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had a mortgage with Chase for my property for over 12 years ... ... Chase sold the mortgage to XXXX XXXX XXXX. I keep seeing a reoccurring charge for the amount of {$7400.00} ... .labeled as Corporate Advance. I have tried numerous times with verbal communication with XXXX to explain this charge ... ..I have sent them 2 written requests for information regarding this charge. I have requested in writing for time sheets, explanation of charges, the name of the law firm along with the attorney who handled the case. I have gotten nothing and nowhere when I have requested info on this charge ... ..and have been ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/2018 - There is an incorrect address listed on my Experian credit report. I have never lived in Massachusetts.

Experian will not handle the dispute online.

When I call to have the dispute handled, the wait time is 2 hours. This is unacceptable.

I can not help but feel that Experian is a scam website. My first credit report came out without this fraudulent information - granted, it had *other* fraudulent information - but the most recent one includes two pieces of *new* fraudulent information. Are they trying to scare me into buying their product? How did my credit report get so much worse in the 2 weeks that I have been using Experian?

Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Vehicle XXXX XXXX XXXX XXXX XXXX Car purchased XX/XX/XXXX After repossession of vehicle balanced was first {$4200.00} reported on date XX/XX/XXXX First letter from Santander of settlement was sent XX/XX/XXXX of balance due {$2300.00} of 30 % that amount Debt sold to XXXX XXXX XXXX XXXX dated XX/XX/XXXX their balance is {$4500.00} and they want 40 % of that amount have letter from this company Santander sent letter on XX/XX/XXXX that the sold to XXXX XXXX XXXX, XXXX and the Principal Balance is {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CO).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Lowe 's CC issued through Synchrony Bank. Most of the other credit cards I have used with a promotional purchase will allocate any payment first towards the regular balance before applying any to the promotional balance. In this way, you prevent interest from accruing on your regular daily balance. Well, Synchrony applies any payment first to the promotional balance then to the regular balance. Because of this, interest is accrued even if you have made enough payments to cover purchases made during a billing statement. So whats the purpose of a promotional rate if you end up paying for it first? Multiple times I have argued this with the bank. In the end, they do end up crediting me the interest, but state I have to call them each time payment is made to tell them where to allocate the funds to. I feel this is an unethical trap to accrue fees and a deviation from the norm for other credit card companies.

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 07/19/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Charge off Account with XXXX is not reporting correctly with Equifax, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Credit line increase/decrease

Complaint: After a year of on-time and high value payments on my account. I made a $ XXXX payment to my XXXX credit limit to provide a positive improvement to my credit profile and the bank immediately withdrew my credit limit of the XXXX and lowered my limit to $ XXXX almost instantaneously. This is an ongoing issue that many customers continue to experience with Synchrony Bank which as a result has provided a major negative impact on my credit profile. These activities are malicious in nature and result in sever and negative reports on our credit profiles. I called to understand why this happened and while 90 % of the representatives were off shore, everyone said it is a computerized decision and no credit team can be contacted or reached to further understand this negative action against my credit. I am completely left powerless against this agency and my credit is now further negative impacted by their actions.

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 02-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with MRS BPO, LLC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX of 2016 prior to the XXXX XXXX due date, I suspended all lines of my prepaid XXXX service using the online suspension option through the 'My Account ' on XXXX XXXX website. A few days later I entered the XXXX store located at XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX to confirm the disconnect of my prepaid XXXX service with the representative there and explained my reason for the disconnect. It was of mutual understanding that though I was ending my relationship with XXXX that I would indeed submit payment in full for the current phones once the final bill for said phones arrived in the mail. 
In XXXX 2016 when I received a past due bill for services never used, I consulted a XXXX representative via chat on the XXXX website. I was told then that the account would be taken care of and again I would receive a bill for the phones only, which I repeated my understanding for and would submit payment in full for the phones once the adjustments were made. 
In XXXX 2016, I received a call from a XXXX billing representative about the past due bill, which has yet to be adjusted properly. At that time, we had a conversation regarding the fact that my XXXX account was always a prepaid account and that I would not be submitting this payment for the months of XXXX and XXXX considering I had, 1 ) Suspended the phones online AND requested a disconnection in person at the store at and 2 ) did not use my prepaid lines during the XXXX and XXXX prepaid billing cycle that unbeknownst to me were never disconnected by XXXX as I had requested to be done, twice. The CSR that I spoke to that day acknowledged that my account was prepaid, acknowledged the fact that I had cancelled, and told me at that time I would be sent a bill for the phones ( which I agreed that I owed that {$250.00} ), and that the existing charge would be adjusted to reflect the amount for the phones only. 

XXXX and its creditors continue to harass me via phone, my wife 's phone, and by postal mail. I have sent numerous letters to dispute the charge, the reason for the dispute, and the acknowledgement of my owing {$250.00} for the phones. They have yet to acknowledge in wrong doing and refuse to adjust the bill to reflect only the charge for the phones.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (VA).
Issue: Credit decision / Underwriting

Complaint: My uncle had a mortgage loan that I believe was bought out by Ocwen when he passed away in XX/XX/XXXX. I qualified as his administrator with the local courts and notified Ocwen accordingly. Soon after, the heirs to the estate then gifted the home to me. I sent Ocwen my uncle 's death certificate and a copy of the certificate/letter of qualification so that they could speak with me about the loan. I tried calling multiple times requesting information as to what I could do to keep the home, that has been home to me for now 40 years. My contact efforts with Ocwen began XX/XX/XXXX and after many failed attempts to speak with someone that could help me, I hired a lawyer who helped me do a short sale application on the loan. I hired an independent appraiser to appraise my home and he came back with an appraisal showing $ XXXX. After sending the short sale application multiple times, we still never received any acknowledgement from Ocwen. On XX/XX/XXXX, years later, I received a certified letter dated XX/XX/XXXX stating that my home will be sold at public auction on XX/XX/XXXX at XXXX I contacted my attorney, who then called XXXX XXXX XXXX, advising that we had submitted a short sale application several times to Ocwen over the years. We were advised to send it again and we did. On XX/XX/XXXX, I received a letter about a conditional short sale approval and the auction was canceled. A couple of weeks later, I received a call from an appraiser on behalf of Ocwen stating he wanted to come out to appraise my home. He did and he came back with an appraisal of $ XXXX. Now this is odd, because there has been no renovations to the home since the initial appraisal. Finally, Ocwen responded advising that I did not qualify for the short sale because I am family. Ocwen has been impossible to work with and has caused more stress than I can tell you about. I have made every attempt to work with them with hopes that I could purchase and keep my home ; however, I am still in limbo not knowing what will happen next. They know that I have a vested interest in the home not only because I live in the home but also because my grandmother 's and my uncle 's graves are here at the home. It has been years and I am no closer to resolve than I was in XX/XX/XXXX. Ocwen 's business practices are horrible. To say this is a business, there is no sense of urgency to resolve a matter. I have made every attempt to resolve this but all I get is " crickets '' and years later, a foreclosure letter. Now I sit in limbo yet again. I need resolution so that I can move forward with my life living in MY HOME.

Company response to consumer: Closed with explanation