milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-02-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America - MortgageRefuses to provide " release of lien '' - XXXX years after mortgage paid off. 
I can not sell my house - was due to close XXXX/XXXX/XXXX. 

Bank Employees in call center refuse to provide contact person or phone number to help resolve. XXXX employee even refuses to provide her Operator ID # with the bank. 

This is the XXXX time in XXXX years that I have been selling a house and the transaction was derailed by Bank of America 's negligence. 

In XXXX, Bank of America filed a mortgage lien on the wrong house by mistake. Even after admitting the mistake, they refused to remove the lien until I sued in Colorado district court. Only then, someone with authority paid attention - removed the lien - and Bank of America paid my damages. 

Now, XXXX, I am selling a property on which I once had a Bank of America mortgage. I refinanced with XXXX in XXXX XXXX. Bank of America was fully paid off. They failed to remove the lien. Now, almost XXXX years later, I 'm scheduled to close the sale of my house and the closing is blocked by the erroneous lien. 

The Bank agrees they were paid off nearly two years ago and they should have released the lien. Even so, they refuse to do so and refuse to return my call. 

I will be filing a lawsuit again. 

Maybe they will again pay attention only after being sued.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I had to be informed by the media and news that my information was compromised from Equifax rather than by the company itself. If I was not watching the media I would of not known that I was at risk. They mishandled my information which puts me and millions of other people at risk. The method of finding out even compromises my legal rights. I am a victim according to equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Public records on credit reports are invaild and all three credit bureaus refuse to remove them ; they have not furnished me the source of where this invalid information is coming from and its all wrong the date filed, dismissed, amounts, reference numbers are all wrong ; I have request validation from court houses and was advised they do not valid public records for consumers or credit bureaus ; I have disputed this information and have not been processed correctly Child support should not be on reports at all and the bankruptcy isn't valid failure to remove will result in civil case such as Civil Case # : XXXX XXXX XXXX v. XXXX and child support violates Public Law 805-C3. need bankruptcy and all 3 child support accounts removed.

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 08/15/2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I am the executor of my later mother 's estate. My mother XXXX XXXX  on XXXX XXXX, 2017. My mother had numerous accounts with Bank of America, all of which are payable to named beneficiaries at her XXXX. I notified Bank of America of her XXXX in XXXX 2017 when I personally met with a bank employee named XXXX at the XXXX, IL branch office. XXXX telephoned the bank 's " XXXX XXXX XXXX ''  while I sat at her desk. She was told the bank would mail out a claim packet for me to complete and distribute to my mother 's other beneficiaries. I had a certified copy of my mother 's XXXX certificate in my possession at the time. XXXX informed me the bank did not need a copy of the XXXX certificate as they had been notified by the Social Security Administration of  my mom 's XXXX. A XXXX claim packet never arrived so I again visited the XXXX, IL branch and met with the branch manager, XXXX XXXX. XXXX XXXX contacted the " estate unit '' and was told that I had previously been given bad information and that the bank did need a copy of the XXXX  certificate. A few days later, I personally delivered the XXXX certificate to XXXX XXXX. That was sometime in early XXXX. When several weeks passed without receiving anything in the mail from the bank, I began to communicate with XXXX XXXX via email. Emails were sent to XXXX XXXX on XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I also had telephone conversations with XXXX XXXX on XXXX, XXXX, and XXXX. Even though the bank had been informed of my mother 's XXXX in XXXX 2017, they renewed a 24 month CD in her name on XX/XX/17. Until XXXX, I had received nothing from Bank of America, not even an acknowledgement of my mother 's XXXX offering condolences. On XXXX I finally received the claim paperwork from the bank. The paperwork was completed, notarized, and dropped off at the XXXX, IL branch on XX/XX/17. To date, I have received nothing, not even an acknowledgement from the bank that they had received my paperwork. I worked at a bank for several years and find it incomprehensible that this has been going on for five months. I truly believe that XXXX XXXX did her best to try to help me with the claim, but was put in a bad spot by the " estate unit '', if one truly exists. I believe the bank 's actions or lack thereof is totally irresponsible. Bank of America 's inexcusable " customer service '' is certainly something no grieving family should have to experience. Please help our family out so we can put Bank of America out of our collective minds. 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 monetary relief
Consumer complaint received 11/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Hello, About three weeks ago I contacted Transunion and I told the rep I was victim of them reinserted previously deleted information. I told him some of inquiries were reinserted twice on the same day. The customer service rep refuse to help me and told me to contact the creditor. I contacted the creditors and they told me it was not them, Transunion made the mistake. I was never notified by Transunion of this mistake. 
The inquiries reinserted that were previously deleted are listed below. 
XXXX - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX 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 10/28/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (OH).
Issue: Managing the loan or lease

Complaint: In XXXX 2009, we entered into a retail sales agreement with Regional Acceptance Corporation, which has an office in XXXX, Ohio, among others. The contract was for a purchase of almost {$18000.00} for a used car. The interest rate RAC gave us was 23.75 %, which equaled total " finance charges '' over the 66-month life of the loan of {$14000.00}. This was a total contract amount of {$32000.00}. 
During repayment, RAC failed XXXX times to allocate the agreed amount to principal from our monthly payments, for a total underpayment on loan principal of {$5800.00}. Included in these XXXX failures were five months where RAC allocated XXXX of our monthly payment dollars to principal. 
Furthermore, because we paid late, RAC charged extra interest in excess of the amount allowed by Ohio contract law, over the required amount by a total of XXXX. 
Overall, we have been required to pay XXXX payments for a total of {$35000.00}, or XXXX percent more than was originally agreed. 
When contacted and informed of their mismanagement of funds, RAC 's reply was that they were entitled to reduce our principal payment every month because we paid after the due date, although the provision for this in the sales contract and Ohio law instead allow the lender to extend the contract with more payments based on the amount of extra interest accruing, with written notice given to the borrower. RAC now insists that, after XXXX payments resulting in an 8.8 percent total overpayment of the contract, that we still owe more than {$3200.00}, or 18 percent of the original principal agreement. Their representatives repeatedly deny that RAC has done anything inappropriate, even when confronted with details of underpaying principal, overpaying interest, and using wrong APR and per diem to calculate extra interest for late payments.

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 08/13/2017 about Debt collection (Other debt) with I.C. System, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I XXXX XXXX made MANY calls to this collection agency in regards to their business being placed on my credit report ... I was directed to their website to make payments in which I have done just as I was told.. as per request I asked to speak to a member of management in regards to the fact that I C System still to this day is currently on my Credit report and all FOR THE LAST PAST 2 MONTHS ... I 've been told JUST ABOUT ANY THING JUST TO GET ME OFF THE CALL AS I REQUESTED FOR A MEMBER OF MANAGEMENT FOR HELP ..., AS I 'VE BEEN PROMISED I C System sent notification to ALL 3 Major Credit Reporting Bureaus to update their systems via account PAID / PAYMENTS .. I was also promised to receive a copy of the notice via regular mail / fax / email.. THE EMAIL THAT WAS SENT WAS BLANK!!! as to this day I have not receive ANY notices and the fact I made very clear to TEAM LEADER ( XXXX ) ID # XXXX .. I. C SYSTEM INBOUND CALL REPS ARE RUDE AND VERY DISRESPECTFUL.. I REALLY WANT I. C. SYSTEM OFF MY CREDIT REPORT ASAP AS TO THEY HAVE SENT THIS ACCOUNT BACK TO ATT/DIRECT TV.. WHOM I AM FOLLOW UP WITH AS OF XXXX I ( XXXX ) SPOKE w/ ( XXXX ) ID # XXXX XXXX/ XXXX XXXX BILL Location XXXX XXXX XXXX Name/Serial # ( XXXX ) *** dcd : XX/XX/XXXX / Service : XXXX ... I. C SYTEEM IS CURRENTLY STILL ON MY CREDIT REPORT AND IS NO LONGER COLLECTING ON THIS ACCOUNT FOR ATT/DIRECT TV.. THE TEAM LEADER PROMISED THAT HE WOULD FAX ME PROOF THE COMPANY REQUEST THIER COLLECTIONS TO BE REMOVED FROM REPORTING 3 MAJOR CREIDT REPORTING BUREAUS WHICH I 'VE NOT RECIEVED PROOF OF STILL TO THIS DAY.. I. C SYSTEM REFRENCE # XXXX Full amount {$320.00}

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 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX, I pulled a copy of my credit report after the XXXX data breach and noticed inquiries on my account that I did not authorize. I called XXXX, XXXX, and Experian and explained this to them. They insisted that I call each company listed and find out what happened. I called and they all have no record of me in their system with authorization of trying to open an account. I then asked them to call the cresit bureau and have them removed. They stated that because they did n't have me in their system, it would be better if I called and explained to the bureau 's what happened. I called the bureau 's AGAIN and told them that I was unable to get documentation from the companies listed and to please dispute it on my behalf. I get a notice in the mail that basically nothing was done and to call the companies again. I have tried to deal with them 3 times and its now coming to the point I need to file a complaint with the BBB and the Attorney General. I have done everything both sides has asked me to do and it still has n't helped.

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 01-11-2017 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My name is XXXX I attended XXXX XXXX in XXXX CA. This school has been shut down. I had a private loan through Genesis Lending. I have no Idea how to repay this or if they are in some kind of lawsuit I would like to know the status of this. They no longer have a website or contact number. 

If you can find any info on my account or on the loan company that would be appreciated. 



Thank You

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Credit card () with CITIBANK, N.A. (OR).
Issue: Billing disputes

Complaint: I have previously attempted to dispute this charge with my bank and for some reason my CFPB complaint filed in XXXX has not been addressed. On XXXX XXXX, XXXX, I paid {$4900.00} dollars to Appelizer.net for services that were never provided. Please see previous complaint. I still have not received the items described verbally and per our contractual agreement. Upon further investigation I discovered that this company is in cahoots with several other " online businesses '' that prey on unsuspecting consumers. These career criminals, even go to the extreme of dragging you outside of your 60-120 day grace period to dispute the charge with the Credit Card Company or bank account with guarantees of success and profitable returns. I know that there is an extended period of time allotted if the services were not rendered as described per Federal Regulation. Which has brought me here, needless to say I did not received the services I initially purchased. I have been taken advantage of, and need my credit card company to look into remedying this situation. I called my credit card company and spoke with a representatives who stated my request must be in writing I obliged with documentation on XXXX XXXX, XXXX, they sent me a form that I completed and mailed in only to be told the will not look into the matter letter by phone. I did everything that was required of me via the law and them. This is simply a delay tactic, please have them look into the matter, they are supposed to be there for me their customer. I would like my money refunded without further delay. 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Other transaction issues

Complaint: I have a Western Union money order that was made out to me. I tried to cash this money order at a WESTERN UNION facility. They do not cash their own money orders!! It seems Western Union will gladly accept someone 's money but will not give it to the person it is made out to. 

The only place to cash Western Union money orders is at check cashing places that charge 8-10 % of the amount! I just called around. 

This is ridiculous and takes advantage of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Consumer Loan (Installment loan) with Navient Solutions, LLC. (OH).
Issue: Managing the loan or lease

Complaint: I called the company Navient to get a payoff amount of a loan. They forced me to make a {$90.00} payment to keep it from going to collections, which was odd because I was calling for a pay off. I let them do an automatic withdraw for the {$90.00}. Our deposit cleared the bank, and like I said, I sent a payoff check. I did not know they had done a second, unauthorized withdraw for the amount of the loan, {$5200.00}. Our account is now severely overdrawn because they illegally stole money they were told no too. The bank is attempting to fix the mess they caused. They have tied up pay checks and made it impossible to cover weekly bills. They need to return the money they stole, pay all the fees we will have and pay for the inconvenience they have caused!

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NH).
Issue: Billing disputes

Complaint: I lost a card issued by AAA and told them I wanted it closed. They did so and sent me a replacement card. At the same time, I had been issued a new XXXX card and decided to use it and close the AAA card account. However, I had an auto payment on the AAA card ( $ 10 monthly to the XXXX ). I assumed the XXXX would not be able to bill the new card and would contact me. However, it seems the charge was automatically switched to the new card. I regard this as an invasion of privacy by the credit card company. They had no right to switch the auto payment to the new card without notifying me. In the past I have had problems when the card was the same but the expiry date changed, because the bank would then deny auto payment to vendors. But this new system is even worse. I should have the right to switch where I make payments.

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 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit reporting agency XXXX has done nothing to correct my Credit Report. I have notified them that XXXX XXXX XXXX and XXXX XXXX XXXX Have added on Fraudulent Charges after the accounts were closed by me. I want an Investigation into the practices and policies of both banks that Go out of their way to add Fraudulent Charges to credit cards that has A {$300.00} Credit Line. Both credit Cards were closed with a {$150.00} Balance. Looking forward to hearing from you at your earliest convenience. XXXX XXXX XXXX XXXX XXXX XXXX Card Number : XXXX XXXX XXXX XXXX Card Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (UT).
Issue: Credit decision / Underwriting

Complaint: I had to declare bankruptcy over five years ago. When I filed I told the attorneys to leave my house out because I was n't behind on mortgage payments. Much later I found out my house was included in the bankruptcy, even though I was n't behind on payments. Someone was awarded XXXX. I called XXXX XXXX XXXX, Green Tree and, ditech, they all denied receiving the money. The firm handling my bankruptcy would n't help me unless I paid them more money. When the bankruptcy was up I was one month ahead on payments, ditech sent my loan to collection. I refinanced my loan through XXXX. ditech sent them a payoff amount, it was payed, two months later I received a bill from ditech stating I still owed them over XXXX. Ditech mortgage is robbing people. I want to know where the XXXX awarded in the bankruptcy ended up and, how to get it back. My heart goes out to ditech customers. REFINANCE before it happens to you!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Motolease, LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The missed and late payments were removed and then appeared back. I talked to XXXX and they advised me that the creditor ( Motolease put it back on my report

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (TX).
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: Below is a response from CITICARDS. 

We are sending an additional letter to the customer to reinforce that the payment history is correct and will not be changed. We explained that the payment dated XXXX/XXXX/XXXX was returned unpaid, resulting in the account being reported 30 days delinquent. A replacement payment was received on XXXX/XXXX/XXXX, but no payment was received for the due date of XXXX/XXXX/XXXX. This resulted in additional 30 day reporting from XXXX through XXXX XXXX. A one-time adjustment was made to the Minimum Payment Due on XXXX/XXXX/XXXX, bringing the account current. We provided a copy of the response sent on XXXX/XXXX/XXXX, as well as a copy of the billing statements from XXXX XXXX to current. 

MY RESPONSE. 

If my XXXX/XXXX/XXXX payment was retuned and I replaced the payment on XXXX/XXXX/XXXX, how was I 30 days late????? Sounds deceitful to me. Citicards claimed that I failed to make my XXXX payment, which is another lie. I made an ONLINE payment of web ID XXXX. Where did this payment go??

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