milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2016 about Credit card () with DISCOVER BANK (IL).
Issue: Balance transfer

Complaint: Discover and XXXX XXXX XXXX offer XXXX percent interest card for 12 months on balance transfers. In the fine print with Discover they state there is a charge of XXXX percent each month on the remaining balance at end of month. I did not see that as it was buried in fine print. BofA doing something similar. I got a card from each and now have to make payments every month on both cards. It 's deceiving. Only option is to cancel the cards but hurts my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Two payments were taken out of my account when only one should have been. This put me in a bind. I called in in order to try and get a refund for the extra payment and I was told that it takes 3-5 business days in order for this to be processed and also the funds mailed paper check to my address. I advised the representative to check and see if there was a faster way for the funds to get returned to me and they were not willing to find out. I waited on hold for 40 minutes when I requested to speak to a supervisor. Then the representative returned and told me no supervisor was available and they would transfer me to their voicemail. I asked for the supervisors contact info so I can follow up as this is urgent and I was denied the request.I am reaching out as I need help. I am also going to file a complaint because the way the call was handled was not great customer service at all. Transaction  were XX/XX/XXXX for $XXXX and $XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: Took out a home equity loan with XXXX, later became Greentree XXXX and is now Ditech. I did not know it was going to be fully due in XXXX of 2014. I thought it was a typical 10 year draw with a 20 year payback. I did not have the {$68000.00} due. I rushed to refinance and was ready to close. They pulled the credit report and Grentree marked it as late. I tried several times for an extension of terms so I could remove the negative from the credit report but they refused. We asked them to remove the negative so we could close and get them their money. They refused. I have been paying them $ XXXX since then and they have taken no action. Just tried again to refinance to pay them off but was denied by XXXX XXXX because Ditech did not return their call for more information to possibly close.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Closing/Cancelling account

Complaint: XXXX XXXX XXXX cancelled my credit card without warning and reissued a new card without notifying me. There was no suspicious activity on my account. They refused to tell me the specific reason that they closed my account saying only that " a vendor '' compromised my account. Which vendor? When? I registered a complaint with a customer service representative named " XXXX, '' who gave me a reference number of XXXX. He refused to give me his employee badge number or to provide any other information. I believe that I am entitled to know what activity occurred that affected my account and that XXXX XXXX XXXX should notify me rather than simply taking unilateral action.

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 10/21/2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: XX/XX/XXXX2017 called my bank because an account that was closed due to wifes purse being stolen was reopened by XXXX XXXX when they ran ach payment on the account the account has no money so why would I want payments ran for account that has no money and your going to charge my account overdraft fee so now they are saying I owe them {$80.00} and said they will continue to charge me every time XXXX XXXX charges my account with ach and the monthly fee which is XXXX for an account I'am not using. this company has no reasoning or common sense and when did it become right for people reopen a account in my name with out my permission. Planning to bank somewhere else which could be what they are trying to due because I reported for there excessive fees for everything and claiming customer service but not solving customer problems by fixing them. Sorry you just got a report from about another company but just so you know the world is in chaos when people can just steal your hard earned money right to your face, last time I checked my XXXX where the XXXX XXXX and XXXX from the work I did not theres but they get my money for free again. Just want this on record, it 's up to you guys if you want to do anything last time they XXXX me and they will just keep XXXX people and the other complaint nobody still has called me. Thanks Fro Your 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 monetary relief
Consumer complaint received 01/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX/XXXX Transunion Consumer Relations XXXX XXXX XXXX XXXX, XXXX XXXX File # XXXX SSN # XXXX RE : Reappearing Removed item XXXX XXXX Account # XXXX Past due 30 days XX/XX/XXXX has been removed since XX/XX/XXXX ( Credit Report attached ) and XX/XX/XXXX again reappearing as a adverse account. ( Credit Report attached ) Please be good enough to removed that item as soon as possible Thanks XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (ME).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Called and was swearing on the phone cause I keep fighting this account where it it 's not mine and they have not sent me anything signed by me Account was from XXXX and have never had it Also is reporting missed payments Ive never made a payment and am not going to unless I get something signed so I can see who signed it also reporting the wrong date on account the paper they showed me from the account shows a different date account needs to be removed until I get a signed paper and can verify my signature

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 08-09-2016 about Debt collection (I do not know) with Bronstein & Weiss Arbitration (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I just received a phone call from someone whom these people called looking for me. While I was on the phone with them I looked up their company and found all this information about them scamming people therefore I also would like to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (Other debt) with Atlanticus Services Corporation (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: During XX/XX/XXXX, I spoke with a Fortiva customer representative to set 3 payments to close out my account. On XXXX XXXX, 2017, XXXX I received a call saying my account was not update. I asked to speak with a manager. She explained their records show were no records of 3 payment made. We went back and forth. I finally decided to make a payment. Which she requested that they systems could not make any additional payments. I demanded to never call my phone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: Bank of America filed a Notice of Default against my property at XXXX XXXX XXXX XXXX XXXX, CA XXXX on a HELOC. I have not made a payment on the 1st or the 2nd on that property since XXXX XXXX. I mailed Bank of America and XXXX XXXX debt validation letters and they denied my request and did not provide sufficient validation to collect any debt they claim I owe them. bank of America denied submitting information to me besides the usual note and deed of trust. Both debt collectors did not submit sufficient proof and evidence that I owe them any money. XXXX XXXX in XXXX XXXX ordered a BPO against my property showing their intent to foreclose and sell my house. Also, the statute of limitations to collect on any bond or note in California is passed as it has been over 5 years since I paid on the alleged debt. I have since XXXX submitted many letters and requests to validate this debt and I have spent a lot of money in doing this and none of the debt collectors have been able to prove and validate any debt they claim I owe them. Now Bank of America has filed a Notice of Default against my home and I am in danger of losing my house.

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 06-04-2016 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: 1. Bank of America Home Loans pays my home owner 's insurance weeks late, triggering a warning of cancelation letter from my insurance company ( likely damaging my credit score ), so they can accumulate interest on the escrow account. 
2. I am trying to pay my home loan off early by making extra payments, after my required monthly payment is made, in order to pay down the principal, but BoA consistently applies part of the extra payment to future interest obligations against my wishes -- months in advance, so they can extend the life of the loan and reap more profit. They have never responded adequately to my protests re this and seem to act like they do n't understand what the issue is.

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 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: With all  XXXX  Credit Bureaus  XXXX ,  XXXX  and Experian.   I have been going through this for a years. I have been disputing items off my credit report for a year they come off then they get back on Now with all of a sudden i own a house a car i never in my life owned a house i never in my life had a drivers licence i put a identity theft alert on all three of my credit reports because i recently found out i got my identity stolen last year so i started looking into my credit report and find a lot of things on my credit that did n't belong to me. now i am the victim that needs to proof that I do n't have a car or a home. Ther e are Medical bills that were paid late by my insurance company still on my credit report and still wo n't be removed i have been disputing this since last year. A   XXXX    cable company that Does not belo ng to me because like i keep telling them i have  XXXX  and i have been a customer of them for years and still am. I have so many different addresses on my credit report that i never lived at. So many discr epancies and nothing gets done. Until when what else do i have to do?? I have Attached my I.D, Police Report and my S.S. thinking that hopefully things will get solve but no they what more and more information from me until when do i have to keep goin g to this?? hopefully this will be the end of all this mess!! Please Help tell me what i need to do.

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 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There are 2 accounts on my credit report that show I owe XXXX to XXXX and XXXXXXXX XXXX. This account has been settled with XXXX XXXX  XXXX. Remove both accounts from credit report.

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 02-07-2018 about Debt collection (Other debt) with AFNI INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victim of identity theft. Several years ago my office was broken into and my wallet and passport were stolen. My wallet contained my social security card and my driver 's license. After the theft several accounts were opened in my name without my knowledge or approval. I have disputed these accounts and the only account remaining is this credit card. I have attached a copy of the police report to this dispute. I never lived at the address where XXXX service was located nor have I ever have XXXX service. XXXX is the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Deposits and withdrawals

Complaint: I deposited a check via mobile deposit. The check was then stolen from me and cashed again XXXX I do n't know where ). The funds were withdrawn from my account by my bank and they tell me there is nothing they can do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I called the company with intentions on paying the debt thats on my current credit report which was {$340.00} and the company and I came to an agreement I stated that the damage was done would I be able to get a pay to delete being that if the debt is paid it will still reflect on my credit negative and the lady on the phone stated And if you dont pay this debt right now were going to keep on reporting negative and destroy your credit I felt intimidated and as if I was forced to pay the debt so I instantly hung up because I felt as if that was not professional at all

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (MS).
Issue: Managing the loan or lease

Complaint: I received my check back from Tower Loan that was not cashed they advised that I was not able to send any checks as payment to my account after i had a few problems with my online banking in which my bank was sending checks out before my paycheck was in my account. Anytime this happened the check was paid. I was then informed that they take debit cards. After the incident they never advised that I would not have access to my account online and canceled the option without notice. Therefore I was not able to pay by debit card nor credit card which created my account to be even later than usual because of this. I was never given any notice that they were doing this and not given notice.well I tried to pay my account by debit card or credit card and even tried calling over the phone even their employees were not aware that this was not an option and kept telling me to pay by debit card or credit card Because of this it has caused my account to be late and created financial hardship in driving to their business on XXXX XXXX, 2015 they refused to take a debit card payment but when i called them they advised that I can pay by debit card when arriving it was discovered that they would not accept my debit card and that I would have to pay cash or money order. Tower loan constantly calls me when payment is due and is ignoring the laws of collecting a bill by constantly calling after they have advised that the bill is due in one week I have received more than 15 calls from Tower loan

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have been trying correct outdated information from my credit file for 3 years now. They have now locked all my access to my report. Transunion has now updated and deleted the outdated information ..Experian and Equifax have not. The following are wrong and outdated : Bankruptcy-XXXX, XXXX cnty XXXX-judjements XXXX andXXXX..and an old outdated XXXX XXXX. Please help me with this matter

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2017 XXXX, someone did a wire transfer from my Bank of America Checking Account to an account in XXXX , XXXX for {$930.00}. I checked my bank account around noon on that day and called my bank immediately and reported it. I was told that it would take up to 10 days to investigate and that they could not provide me a credit for the money taken.

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 monetary relief
Consumer complaint received 03-08-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage contract states that automatic termination of PMI is to be XX/XX/2017. As of XX/XX/2017, my servicer, Bank of America ( BoA ), refuses to take it off immediately. Instead they have told me various confusing things, such as, I have to pay two more months of PMI past XX/XX/2017, or that I do n't have to pay past XX/XX/2017, or I have to pay one more month of PMI past XX/XX/2017. All the while saying they ca n't provide documentation on definite dates and it has to go through more days of review. 

I first contacted them on XX/XX/2017 to find out why the updated amortization schedule had PMI on it for the entire 2017 year. Since then they have continually dragged my case on. I have contacted them six times already with no definite documented resolutions to terminate PMI by XX/XX/XXXX, only possibilities leading to paying more money outside the stated termination date. 

As of XX/XX/2017, I have been told that it can be up to another 14 business days to get my PMI off my account. Conveniently for BoA, the additional " review '' days put me around XX/XX/XXXX, so I am held hostage to either pay XX/XX/XXXX PMI or a late fee ( after XX/XX/XXXX ). There is a possibility, at that time, they may try to drag this out longer, which is a related concern. 

All I ask is that the legal contract we signed many years ago be honored. It states, " If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property. This date is XX/XX/2017. '' I am current on my loan payments. Also, I have attached a copy of the PMI disclosure and BoA 's amortization schedule.

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 03/31/2018 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (DE).
Issue: Trouble during payment process

Complaint: I have a VA mortgage loan with XXXX which is serviced through XXXX  XXXX. I have an automatic monthly payment set for the mortgage and anything more was to be paid to principal. Any time I try to pay additional principal Nationstar will take that amount and initiate a payment reversal, sometimes even taking additional monthly payments when not scheduled. It is so confusing and I am not sure how much money has gone to principal or interest? There have been as many as 10 transactions in one day, I do believe the bank keeps applying my money to the future interest instead of the existing principal but can not be sure. I have contacted the company on numerous occasions over the past few years trying to put a stop to this practice and to get them to right their wrongs but to no avail. The most recent contact was XX/XX/XXXX at XXXX with " XXXX '' and a few weeks prior with someone named " XXXX XXXX and still nothing?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation