milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2017 about Prepaid card (General purpose card) with INCOMM HOLDINGS INC. (WI).
Issue: Unauthorized transactions/trans. issues

Complaint: I received a XXXX XXXX pre paid credit card as a birthday gift on XXXX XXXX, XXXX with a {$50.00} balance. I called the activation number on XXXX/XXXX/XXXX and placed it in my wallet for future use. On Tuesday XXXX XXXX, XXXX I learned the balance was {$0.00}. I logged into the website and learned a transaction took place on XXXX/XXXX/XXXX from XXXX XXXX. I 've never had any dealings with XXXX XXXX and did n't authorize them to make a transaction. I called the XXXX XXXX Customer Service line on XXXX/XXXX/XXXX and explained the problem to the Agent. I received the Transaction Dispute form on XXXX/XXXX/XXXX @ XXXX from FSSGCWebInquiry XXXXXXXXXXXX. I ca n't provide you with the information for XXXX XXXX because I ca n't locate it on the internet and the XXXX company does n't provide that information on their transaction page. XXXX card states it 's issued by XXXX XXXX Bank and distributed and serviced by ITC Financial Licenses. 

The gift card dispute form says the dispute needs to be filed within 60 days of the transaction, but that 's impossible to do since I did n't know about the transaction and XXXX XXXX does n't send a monthly statement indicating when transactions take place. I searched the internet and found this has happened to multiple people using the XXXX XXXX gift card and with the same XXXX XXXX transaction. The transactions are routinely made one day after a person activates their card. The card is never used anywhere so the common denominator is consumers using the XXXX XXXX company for the gift card and the XXXX XXXX company 's phone line to activate the account. I would like a full refund for this fraudulent transaction. I posted a warning on my facebook page and learned the same thing happened to a friend XXXX years ago with the same company. He also bought a " XXXX XXXX '' card from XXXX XXXX, the account was drained and InComm denied his dispute. I searched your website and found other claims against ITC Financial and one of them describes a similar situation that I encountered.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Auto debt) with CL HOLDINGS LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: There is an account listed on my credit file through Jefferson Capital which is unknown as I have never had business with this company and no way do I owe anyone XXXX. This is inaccurate and false, requesting full validation including signed agreement

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Trouble during payment process

Complaint: I went through XXXX & back trying to access a mortgage account with Bank of America for a beach cottage I purchased in XXXX  over 20 years ago. When I remarried my husband of 1 yr decided we should refinance both our properties. I trusted him so did not scour the papers I signed including adding him to the deed. It turns out he refinanced it for {$21000.00} more than I owed & removed my name from the loan which I learned XX/XX/XXXX when I tried to access the account. Because I was removed from the loan, BofA refused to give me access to the account without his authorization during the divorce process which apparently he never set-up. I finally got access to the account after months of begging & found all sorts of stuff. 
Our divorce was finalized XX/XX/XXXX and a legally binding settlement agreement reached which was signed by both parties and the judge in XXXX where I lived during my marriage. I am supposed to have full access to the cottage & bear all financial responsibilities in order to keep it & am obliged to sell or refinance it by XX/XX/XXXX. So I call BofA and explain the situation ( again ) & tell them about the legal agreement which was sent to them as instructed. They also said they needed a letter signed by my ex-husband which was sent along with the settlement agreement. 
They said they do not honor such legal agreements & that I still need my now ex-husband 's authorization to gain access. Furthermore, they've made it very clear that even with his authorization they will only give me access to the loan information via telephone - they will not allow me to go to the on-line account documents & other info related to the mortgage including an " advance '' they paid to the Town of XXXX XXXX for an unpaid sewer assessment ( unbeknownst to me ) to the tune of {$5000.00}. It appears on the loan statements I saw in the past in a separate section so I know it's somehow connected to the mortgage loan and is likely still racking up ridiculous late fees as it appeared my ex- wasn't making regular payments. 
I have made every single payment on the monthly mortgage for this cottage since it's purchase in XX/XX/XXXX. I would like to understand WHY BofA can now deny me access when the property, the loan & all related financial obligations are now my responsibility per a legal settlement signed by the judge &  HOW they can require that my EX-HUSBAND 's authorization. I have attached the last monthly statement I was able to obtain in my ex-husband 's name as well as the divorce/settlement agreements. Nor do I understand how I can possibly comply with the terms of the settlement agreement and take care of all related bills & fees until I can SEE the records. 
Thank you in advance for your help.

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 10-03-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: Illegal fees for account maintenance. Bank of america charging fees for maintenance of account without consumer knowledge. Spoke with consumer representative XXXX XXXX XXXX who has no knowledge of the issue. I ended up closing all the accounts with bank of america.

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 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CL HOLDINGS LLC (AR).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, 2016 A credit collection Agency by the name of XXXX XXXX XXXX placed a fraudulent account onto my credit report for the amount of {$1900.00} with XXXX XXXX, which is not mine. I 've disputed this account numerous times with XXXX and XXXX. I 've done my research on the company and I 'm not the only victim. This caused my credit score to drop dramatically. I 've contacted the company only to be placed on hold and never returned to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2015 about Mortgage (Conventional fixed mortgage) with MLD MORTGAGE INC (FL).
Issue: Settlement process and costs

Complaint: I was charged points on final HUD that were never disclosed to me. When I received final HUD XXXX hours before closing I immediately called my mortgage broker but he was unreachable. The following business day I followed up and pressed him about the points, he told me his " disclosure department '' should have sent me the updated Good Faith Estimate and disclosures XXXX before on the date the rate was locked. These were never sent to me and he could not produce any evidence that there was any attempt to send them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized credit inquiry on my XXXX  credit report.

I was a victim of identity theft.

XXXX data hack. My information was compromised. Some was using my identity..

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Debt collection (Medical) with Broward Adjustment Services (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had insurance instead of submitting the bill to the insurance company they are constantly putiing them on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I started to pay more toward my variable interest rate private loan and for the last  3 payments, my interest rate has been increased. It 's as though they see that I 'm   starting to pay more and are each subsequent payment increasing the rate to discourage me from paying the loan off sooner. I make  XXXX  payment on the loan balance of  XXXX . The original loan wa established in  2011  at  XXXX  with the rate then  of 13.75. T he  Interest  has gone fro m 13.75 to 14.175 in  the last 3 months. I 'm not paying that much toward principal, but I 'd like to to pay the loan off sooner if I can. Is it legal for  Navient  to raise my interest rate to discourage me from paying more toward my loan balance?

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Credit reporting () with Experian Information Solutions Inc. (VT).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian " completed '' a dispute in less then XXXX hours after submission. I know that they did not truthfully investigate my dispute. Experian is protecting their " customer '' while breaking the law and allowing the collection company to do the same. FDCPA 809 ( a ). Section 809 ( a )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I would like to submit a complaint regarding my student loan from Wells Fargo. I have been paying off this loan since XXXX. I pay from {$200.00} to {$300.00} a month towards this loan. My last payment was {$200.00}, of which none of that money went towards the principal balance, only towards the interest. I find it ridiculous that I am basically paying for all this interest, while the principal balance remains untouched. When I took this loan in XXXX, the original balance was {$17000.00}. After making payments for 4 years, my current principal balance is {$15000.00}, only a XXXX dollar difference. After making these monthly payments only to see a minimal dent in the principal balance is disheartening, to say the least.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CARRINGTON MORTGAGE SERVICES, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015, we were notified by XXXX XXXX XXXX that after their escrow review our mortgage payment would be decreased from {$2200.00} to {$2000.00} as of XXXX XXXX, 2015. In XXXX, our mortgage was transferred to Carrington Mortgage Services. After not receiving any documents on how to pay your company starting XXXX XXXX, 2015, I called customer service and found out that we would still have to pay the amount of {$2200.00} until a new escrow analysis was run and was told that would take approximately XXXX days. I called today, XXXX XXXX, and was told that the the analysis was completed but our payment would be increased to {$2200.00}. I was told that I would receive the documents in the mail explaining why but wish to address this now. 
Based on my current tax and homeowner 's insurance bills plus the MIP payment, our escrow payment should be {$790.00} a month, which is less than the {$790.00} XXXX XXXX XXXX calculated in XXXX. I have included with this fax copies of our current insurance and tax bills plus the escrow report run by XXXX XXXX XXXX to show how I calculated these amounts. I would like an additional analysis run on our account with the correct information and for us to pay the correct lower amount as told to us by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Jared the Galleria of Jewelry-continuos calls to employer after repeatedly requesting that they not contact me through my employer. Has contacted me XXXX6 times after requesting that the contact me on my cell. Pretending to be my clients in order to get me on the phone. Leaving voicemails on a publicly accessible phone at my company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This On-Site company has abused this service that reports inaccurate and bogus credit reporting information to a leasing agents by the name of XXXX Apartments and whomever else they have accounts established here in XXXX XXXX, NV. They asked me to submit documentation to support my disputes for all disputes and discrepancies, and have submitted from both official documents from the US Federal Bankruptcy court of the list of debts discharged in my BK-XXXX on XXXX XXXX, XXXX and a XXXX XXXX XXXX Police report dated XX/XX/XXXX and XX/XX/XXXX of my stolen/lost ID and various other personal information for accounts opened in XXXX that are not mine. Yet XXXX did not do their due diligence to review my official documents to clear my credit file and gave XXXX XXXX a recommendation to not lease to me at the XXXX XXXX. Also, they are incorrectly reporting an old case that was erroneously filed by XXXX XXXX, where I initially leased back in XXXX. That situation has been RESCINDED and cleared from XXXX County public records. And should not have been filed in the first place since the situation was taken care of and paid in full prior to filing the Summary Motion from XXXX XXXX. XXXX XXXX will be addressed accordingly. On-site rental reporting company has created damages to my reputation and integrity to have their damaging and inaccurate report. sent to prospective landowners/leasing agents. I have been in the mortgage lending industry since XX/XX/XXXX, and On-Site.com is violating FCRA and XXXX Credit laws, US Federal Bankruptcy laws and now stated defamatory remarks to my personal character and integrity on their ill reports which in turn prevents me from living a safe and comfortable lifestyle They have not properly researched for truth or accuracy, yet refuses to accept my official supporting documentation. Nor has XXXX conducted reasonable investigation of my disputes, they are reporting incomplete and inaccurate information, and have refused to accept my documentation to verify and report debts that are paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC).
Issue: Fraud or scam

Complaint: I was scammed out of {$800.00} on XXXX. The lady pretended to be my former supervisor stating the government was giving out free grants. She said I qualified but needed to pay a fee. I sent the money through XXXX. I sent it to XXXX NC XXXX. She picked up my money at XXXX The text number she used to stay in contact with me was XXXX. Another text number that was used to contact me was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Debt collection (I do not know) with MARINER FINANCE, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account, i never lived in ohio or been there where this account was opened

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 10/25/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortage with XXXX for years. XXXX XXXX, they transfered the loan to XXXX mortage co. After a year with XXXX XXXX Ditech bought them out. 2 weeks before loan transfered to Ditech I made a payment of {$5800.00} to XXXX on XXXX XXXX, XXXX. This brought the loan current and a little over. When Ditech started billing me on XXXX XXXX. XXXX they billed me for the {$5800.00} that seamed to have gone missing. I should have started with a clean slate with Ditech. I have been on time and current with every payment since XXXX and refuse to pay the lost money. As a matter of fact, I over pay every month by {$50.00}. I called dozens of time to clear this up and was always assured this would be looked into. I have tried to follow up, left messages and talked to new people again telling me it would be looked into. Not ONE person has called back. The last person I talked to at Ditech XXXX XXXX XXXX told me my account was so messed up he could n't make heads or tails out of it.That was a month ago. Ditech has also been holding checks for up to 2 weeks making sure myself and others go past the due date so they can collect late fees. If the bank sends my check the XXXX of the month and Ditech get it the XXXX, why would they hold it until the XXXX, ( day after due date ) to cash it? This has become a common practice for everyone involved with them. They only take personal and cashier checks, no electronic payments, that enables them to cheat people out of their money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Deposits and withdrawals

Complaint: I deposited a couple of checks on XXXX/XXXX/2016 for amount of XXXX $ and the bank made the amount available with in a time of 10 mins, but i waited one day to draw the amount after three business days the bank saying the checks are rejected and deducted money from my account. 
As per the rules, if the amount is more than {$200.00} the amount should not be available until the checks are cleared. 

I tried couple of times to speak with bank of america customer care, they are not responding, Simply placing my call on hold. After a couple of attempts I got one guy he said, we are sorry for that we would give you {$24.00} the fee which was taken for the rejection checks.And some are saying based on our relation we make the amount available with out clearing the checks. 

I lost {$2300.00} because of their fault, I went to deposit the checks in the bank, the bank teller make me to deposit in the atm and after three business days they said the checks got rejected. please help me on this issue. 

Thanks 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
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: this account has been in collection for years but still reports as an open account.. it's also showing payments being paid on time for the last 3 years then XX/XX/2018 it shows 120 days late. 3. also they haven't responded to my request for validation 4. this is an closed collection account still reporting a balance for XXXX. there should not be an account balance reporting on a closed collection account.

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