milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/17/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: A " Deed in Lieu of '' package was sent to me after a 2nd failed attempt to get buyers for the Short Sale of a rental property. My realtor had requested this additional time for the Short Sale since we had a buyer within {$5000.00} of Bank of America 's asking price. Once I read the entire " Deed in Lieu of '' package and realized my obligation would be to leave the property in the condition requested and pay taxes on the amount Bank of America stated in the documents would be reported to IRS, {$3800.00}, I agreed to move forward with this option. Before signing the documents, I called Bank of America, Deed in Lieu of department to verify the Tax amount to be reported to IRS and was told it was accurate. 

The actual XXXX I received last month indicates the amount of debt discharged is {$63000.00}. I called Bank of America to discuss the discrepancy and was told the Deed in Lieu of Dept. made a mistake with the Tax amount. I was told to disregard it and the XXXX was accurate. I argued if I had known this my realtor would have been more aggressive in getting a buyer since we were so close to the Short Sale asking price. I was told it did n't matter. I want to know if I have any recourse with Bank of America and can they be made to lower the amount on the XXXX? 

Let me know if you require anything else. Thanks for your assistance. 

XXXXXXXXXXXX

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 04-06-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Application, originator, mortgage broker

Complaint: In regards to first complaint, things are astronomically worse if you can even comprehend that ... please see below : I have tried NUMEROUS times to modify my home mortgage loan with Bank of America. After my home loan conception with Countywide, BOA did in fact start my home loan modification and it took it over 3 years and now they are CONSISTENTLY requesting documents I 've sent them MULTIPLE X MULTIPLE TIMES!!! They continue to say I 've filled them out incorrectly, specifically my XXXX ... but I know I 've filled it out CORRECTLY. They finally sent out a Representative many times to collect and notarize the document that " they filled out, I signed and they took with them to turn in '', each time I was promised it was correct. To turn around ... BOA says it 's incorrect!!! What do I do?? BOA is about to foreclose on my home come XXXX, XXXX, 2016 and wo n't work with me, offer help or clarify what they need. When they tell me what they need, I submit, then " my case worker '' calls me rudely every time and asks me for them same thing again every time!! I FEEL THEY ARE PROCRASTINATING WAITING FOR ME TO FAIL AND FORECLOSE! What do I do to help me and save my home? Something 's WRONG HERE. Please, Please, Please HELP!! 

Things have not only gotten worse but escalated beyond my control and I need HELP PLEASE! Anyone, anything! Should I call the news? 
BOA HAS NOW SAID AFTER 8 MONTHS OF THIS XXXX LOAN REVIEW PROCESS YHAT ALL OF MY DOCUMENTS HAVE EXPIRED AND I NEED TO RESUBMIT DUE TO A " NEW UNDERWRITER TAKING MY CASE BECAUSE ORIGINAL XXXX CHANGED PISITIONS .... Now a new set of guidelines, rules and more of not just the same requests being submitted. I more confused than EVER before on what this new underwriting needs and NO ONE COMMUNICATES XXXX CALLS BACK. New documentation requests estate I need to show/prove things " from previous conversations '' ... Those in which I never had because I 'm lost as to what they 're talking about!!! TOP IT OFF, I 'm apparently 6 months in the rears of payments because my husband and I XXXX been paying mortgage payments out of XXXX asked are accounts with phone representative each mo th.. Turns out that 's payments were never credited to my mortgage rather lost in " miscellaneous postings '' because they were n't XXXX full payment! They can neither apply the payments nor fix the fact that IVE PAID MY MORTGAGE DURING THIS TIME! I am now apparently {$4200.00} + behind and was told UNLESS I PAY FULL BALANCE NO PAYMENTS WILL BE ACCEPTED!!!! Please help, I know this has to be illegal, right??

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 11/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Because of their " twisted '' voice recognition system, it is almost impossible to get credit score from either credit reporting agency, unless you willing to pay for a credit report. I ordered free annual credit report from " Transunion '' and it is lucking credit score numbers. As our credit system heavily dependent on that numbers it makes me " easy target '' to " rip off ''. And its seams logical to me to have that numbers on the report. I was not able to go trough their system to get my credit score. 

Please investigate and enforce reporting agencies to include credit score numbers in the 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 non-monetary relief
Consumer complaint received 06-12-2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I started a loan modification with XXXX XXXX in 2011 which was supposed to combine a XXXX & XXXX. I was making payment under a trial period until they qualified me for the modification. Niine months into the process they sold the loan to SLS after 9 month of making payments which never reduced my principle balance and also they reported me late during the time I was making the agreed payments. SLS service called me and said they were starting foreclosure because I had n't made a payment in 9 months. I hired an attorney and all they agreed to do was start another modification. I agreed because I was afraid of losing my home.I was told I 'd only have XXXX mortgage so I assumed when XXXX sold the serving it included both the XXXX and XXXX because they were differing ,XXXX of the {$26000.00} I owed on the XXXX. Now the loan has been transferred once again to XXXX and they are stating the deferred amount is {$24000.00} which is {$10000.00} more than I agreed to in the signed loan modification agreement with SLS. My rate is 7 % so I 'm trying to refinance my loan with a lender I know. I 've been told I have XXXX liens against my property and XXXX of them was a XXXX from XXXX. I requested my note from XXXX over 45 days ago and they still have n't provided it. XXXX reported to the credit bureaus ' that the original XXXX was paid and closed that is why I thought it was transfer to SLS and was the deferred portion of my current payoff. How can they do this? Say it 's paid and closed and refuse to provide me with a lien release. They are holding me hostage so I 'm not able to refinance to a lower rate. My complaint involves XXXX companies XXXX ( original lender ), SLS ( XXXX servicer of my loan and loan modification provider ), XXXX ( current servicer of my note which they have refused to provide in a timely manner and have added XXXX to the deferred portion of my payoff, which was not supposed to collect interest.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Payday loan debt) with Bliksum, LLC (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I am writing to complain about the collection practices of a debt collection company hired by XXXX XXXX. The company claimed to be called XXXX. The representative " XXXX '' threatened me and said if I did n't give her over {$4000.00}, which is more than what I owe, right away she would take it out of my check and it would be no less than {$15000.00}. She also called my job, and 2 relatives and told them there was a case out against me and I would be going to jail if they did n't tell her where I was. Her phone call was beyond threatening. I worked out a payment plan with XXXX XXXX and they were n't willing to accept it so they are threatening me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit card () with JPMORGAN CHASE & CO. (MS).
Issue: Credit determination

Complaint: I applied For a  Chase   XXXX  Rewards Card on  XXXX / XXXX /  XXXX  . It was requested via mobile phone and i was on vacation and out of service. Unbeknownst to me there was a reference number i needed to call to answer more questions regarding my Credit. Since I never saw the first response to my request i resubmitted for the card. After the second request for the card i called in to answer the credit questions per their message. They Claim that on my  XXXX  acct it shows that I have a monthly mortgage of $  XXXX  plus. There was a construction loan for this amount that was closed on  XXXX / XXXX /  XXXX   that was transferred to a mortgage and also a home equity line of credit. I called  XXXX  and they confirmed that their report shows that my monthly obligation is {$2400.00}. I spoke with numerous Chase agents and they maintain that their report reflects the $  XXXX  monthly obligation. Now I do n't even care about the  XXXX   XXXX   XXXX  but    Chase  has hit my credit twice and i do n't think they are reading the credit report correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Privacy

Complaint: My husband and I have a Bank of America Visa account My Name is XXXX XXXX XXXX XXXX XXXX XXXX has a XXXX XXXX Card and they confuse our XXXX names. Three years ago they had her information linked to our account. At that time I took this to the local branch to have it resolved. Last week I received a e-mail addressed to XXXX XXXX XXXX in regard to the branch visit on XXXX XXXX, 2015, I called to Bank of America fraud division and they stated she gave them our e-mail address., I 'm sorry but our e-mail is very different and not many people know the name. When I tried to take the survey to correct this and tell them that I did not visit the branch they gave me a pass word assume to XXXX XXXX XXXX account. We do not know if they have given our information out to this lady. How can a person be assured that this is not the case

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have an illegally obtained judgment from XXXX on my Experian credit report. I have disputed this multiple times with no success. XXXX has reached a settlement based on these judgements and is no longer allowed to pursue them. The law firm XXXX who obtained the judgement for XXXX no longer exists and stated the account is closed. This judgement is removed from my Equifax and Transunion Credit reports. Despite this judgment I have submitted documents from XXXX including the agreement with the government, and have recieved a mortgage in the amount of {$800000.00} to purchase my current home. This has gone on long enough and I really need help to rectify this situation. This illegally obtained judgment is seriously impacting my financial well being.

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 04-06-2017 about Debt collection (I do not know) with Creditors Bureau Associates (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/2017 I sent a certified letter to CBA of Georgia requesting they send me verification of the alleged debt they say I owe. The letter was received and signed for on XX/XX/2017 by a representative of their company. As per the FCRA, I waited the 30 days in which they are allowed to respond, as of XX/XX/2017 I have not received any response in writing or any information verifying this alleged debt belongs to me as I requested in my letter. 

On XX/XX/2017 I sent another certified letter to CBA of Georgia in which a representative from their company signed for on XX/XX/2017 informing them that they failed to respond to my first letter requesting they provide me with verification that the alleged debt belonged to me.on XX/XX/2017 I got a call from a representative of CBA of GA attempting to collect on the debts they alleged I owe. They acknowledged that they received both letters, I asked that they respond to me in writing with the information they have validating the debt belongs to me. The representative stated they will not mail me any correspondence. 
As of XX/XX/2017 I have not received any proof that the debt they allege I owe belongs to me. I continue to receive collection calls from CBA of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: I want to find out if my husband and I were impacted by Wells Fargo 's illegal practice of opening unauthorized accounts. All the resources say to check our Wells Fargo bank account for unusual activity. But the problem is we are no longer a Wells Fargo customer, because of their unusual and seemingly illegal activities on our bank account, we changed banks several years ago. I contacted Wells Fargo to complain about their practice of taking funds out of our checking account several days prior to the authorized date, causing our account at times to be overdrawn. Especially when they took our mortgage payment out 3-5 days prior to sending it to the mortgage company. I asked repeatedly what were they doing with our money during that period, were they investing it to make money off of it? They gave me all kinds of vague answers saying it was perfectly legal and they wanted to ensure I would have the funds available and this was their way of ensuring that. After months of frustration and unable to stop them from taking our money out of our account unauthorized, first we stopped using their online banking to authorize certain large payments, then we just changed banks. But I believe strongly that the money they were deducting from our account may have been used to set up unauthorized accounts. Can someone assist me with how to research this since I no longer even have an account with them, and we did not have paper statements from them from that time period? 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 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I found an URL on my Bank of America Credit Card webpage. I have XXXX credit cards and for XXXX credit cards page it is showing a link " Request for increasing a credit line '' and I clicked so. But requesting of increasing of a credit limit is not a hard check. I found that they made a hard check for me twice for my XXXX accounts thus it reflects my credit score. Snapshot are attached with this complain

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 07/20/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I ordered on line a 48 '' TV set from Walmart for {$400.00}. The first week of XXXX. Notified it would be delivered XXXX XXXX. Arrived XXXX XXXX by XXXX badly damaged. I notified Walmart and they arranged for XXXX to pick it up XXXX XXXX. I had no shipping label so they would not take it. Meanwhile, I went to Walmart and bought another TV. For the past two months, I have tried to make a return. I have chatted 6 to7 times with Walmart reps. I called their customer service rep. three times. All assured me that it would be taken care of. Today I received an email that it has been over 90 days since I received the TV and they are re-billing my credit card for XXXX. The main problem is that I do not have the right equipment to print out a shipping label. The answer to that was at least three reps. on chat said they would send me one. The last chat the supervisor told me a private shipping company would pick it up as they do n't mail out shipping labels. As of today that has not happened. We are seniors, live in a mobile home park and leaving XXXX XXXX to celebrate XXXX years of marriage with family in Ga. Will be gone near three weeks. Without help from Walmart the TV will still be here and we have to pay {$400.00}. It can not be returned to a store and my husband being XXXX I am unable to handle it.

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 09/23/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NE).
Issue: Late fee

Complaint: I keep getting charged {$38.00} late fees for an account that I do n't remember agreeing to specific terms and certainly not {$38.00}. I think this fee has changed several times and there is no binding agreement that authorizes this fee.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I am the victim of a Debt Collector, SOUTHWEST CREDIT SYSTEMS, L.P., who is trying to shake me down on behalf of XXXX XXXX XXXX, who claims I did not return XXXX equipment. I have however returned the equipment in question exactly as I was told to do by taking it to the XXXX store and giving them my information. I received a receipt and was told I was all set. However I have now a record on my credit report saying I have the XXXX XXXX XXXX account in collections because I did not return the equipment in the amount of {$480.00} USD. I do not owe this however because I returned the equipment and have paid all bills to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Prepaid card (General purpose card) with ENCORE CAPITAL GROUP INC. (LA).
Issue: Advertising, marketing or disclosures

Complaint: midland funding llc, through their attorneys XXXX XXXX XXXXhave been calling my home number constantly for the past several days, in the afternoon, their phone number is not being displayed on my caller ID, they are in direct violation of Harrasement # XXXX XXXX Paragraphs XXXX & XXXX they are attempting to collect a debt ( credit Card ) that is XXXX years old since XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: FedLoan Servicing seems to have a practice of deliberately delaying the processing of my XXXX XXXX certification. I submitted my XXXX XXXXt recertification request in XXXX XXXX. I did not receive a recalculated XXXX payment amount until XXXX XXXX, XXXX when my monthly payment was calculated at {$820.00} ( a very high payment, but that 's a separate issue ). Despite having recalculated my payment, fedloans billed me {$3100.00} for the next two months, which I could not afford to pay. 

FedLoan Servicing forced me into forbearance in XXXX, XXXX and XXXX XXXX by delaying the processing of my XXXX payments and thereby prolonging the amount of time before I will be eligible to apply for XXXX XXXX XXXX XXXX ( XXXX ). 

I took a public service job instead of pursuing a more lucrative legal career because I relied on the promise of public service loan forgiveness to make up for the fact that it would cost over {$3000.00} month to pay off my student loans in a timely 10-year plan. By delaying my ability to make qualifying payments and capitalizing interest during those delays, they are making it financially more burdensome to participate in the XXXX program. I enjoy public service and working in the public interest, but I am worried that these delays are going to keep happening and I will never be able to be free from student loan payments.

Company response to consumer: Closed with explanation