milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Bank of America. I current principle balance of {$80000.00} on the original loan amount of {$92000.00} with original appraisal was {$100000.00} which put me at 22.3 percent equity in the house or debt of 77.7 percent. Bank of America had advised verbally that my PMI would automatically roll off after I reached 20 percent equity in my home. I have reached better than 20 percent equity in my home yet Bank of America consistently denies to remove the PMI. They have indicated it will automatically come off XX/XX/XXXX but at that point I will have paid well over {$800.00} from this point until then which is outrageous. 
At closing my lender was not onsite to disclose to me the documentation that I was signing. My lender specifically XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX at phone XXXX. The title agent was not knowledgeable enough to answer the questions I had regarding the paperwork. 
I have reviewed the documentation from my closing and have been thus far unable to find a PMI document that Bank of America has stated I signed/initialed regarding their PMI practices. Bank of America has indicated that I can, at my own expense, request an appraisal from ONE OF THEIR APPRAISERS and pending the value of the home not diminishing since the original appraisal XX/XX/XXXX they would remove PMI. All of the values of homes in my neighborhood have only been increasing based on sale prices alone. Bank of America has no standing or grounds on which to base their assumption that values have decreased since I purchased my home, but there is irrefutable evidence that values have increased. Additionally, I do have an appraisal report from a qualified appraiser indicating the value of my home to be in excess of {$120000.00} in the home 's current condition. I will be submitting to Bank of America a QWR as well as the appraisal in-order to have a copy of all the documents Bank of America has as well as to have the PMI removed. 
I feel their business practices are unfair and deceptive regarding their disclosure of PMI and requiring a borrower substantiate a non-decreasing value of a home when all property values regarding the neighborhood are increasing is unfair and puts a burden on the home owner that is fair from warranted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Balance transfer

Complaint: I have a balance transfer offer with Citibank that expired in XXXX. I plan on paying the entire balance in full. By XXXX XXXX, Citi charged {$39.00} to my account. I want to get these fees waived, but have had difficulty in the past doing so with this bank. Been a Citi cardholder since 2012, never made a late payment and my credit is excellent. Recently, I spoke with a Citibank representative. They were able to reduce my interest rate. This happened before the interest charges posted on my 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
Consumer complaint received 10/23/2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (CT).
Issue: Managing the loan or lease

Complaint: ALLY Financial assessed Excess Wear on XXXX Chevy MaIibu returned by XXXX XXXX to XXXX XXXX XXXX XXXX NY on XXXX XXXX 2014 in the amount of {$1000.00}. XXXX XXXX paid out on XXXX/XXXX/2014 an amount of {$650.00} for Policy Number XXXX, Claim XXXX. ALLY refuses to credit XXXX 's Account and continues to request payment of original {$1000.00}. ALLY in violation to federal Fair and Accurate Credit Transactions Act reported original balance as delinquent to credit bureaus. ALLY continues to investigate matter further and refers matter to Collection Agency who insist even if XXXX XXXX did make partial payment, XXXX still owes the original amount ( per XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra and hippa violation taking more than 30 days inaccurate information sent the po report too many to count the equifax breach has cost me my life they are taking more than 30 days not 100 % correct

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (ND).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I applied for a XXXX XXXX XXXX XXXX credit line on X/XX/17. They put XXXX hard inquiries on my XXXX credit report. I would like XXXX of those credit inquiries 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 non-monetary relief
Consumer complaint received 05/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Corporation of America (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection company keeps calling my work phone number ( XXXX ) over the past four weeks. They call asking to speak to XXXX XXXX. I have told them every time they have called that there is no person named XXXX XXXX, and that they are, in fact, calling XXXX XXXX XXXX. I have requested they remove this number from their calling list. They have said they would, and yet they call me every week. They call from XXXX, I have recorded phone calls telling them that there is no one here by that name on XXXX and XXXX, but they have called on multiple occasions, probably XXXX times in total.

Company public response: Company believes complaint is the result of an isolated error
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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I mailed a request regarding Fair Credit Reporting Act ( FCRA ) 609 ( A ) ( 1 ) ( a ) to Experian credit reporting agency and received absolutely no response at all from Experian in regards to my requests.

Under FCRA 609 ( a ) ( 1 ) ( A ) I am entitled to the right to demand to see verifiable proof ( an original contract with my signature on it ) that credit bureaus have on file of the listed account below : Bankruptcy - # XXXX Despite my written request, the unverified item listed above remains on my credit report without any response to my FCRA 609 ( A ) ( 1 ) ( a ) request which provides Experian is required by Federal Law to provide through the physical verification of the original signed consumer contract - any and all accounts posted on my credit report. Otherewise anyone paying for reporting services to a credit reporting agency could fax, mail or email in a fraudulent account.

Below I have listed the details regarding the request mailed certified mail return receipt requested.

1 ) Mailed XX/XX/XXXX and the letter was received XX/XX/XXXX by a 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 03/30/2017 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Ive sent my bankruptcy paperwork to Equifax and a current print out of my credit report. I have circled the issue items that should be removed from my Equifax credit record. XXXX has already removed everything off my record accept the bankruptcy. Equifax has everything they need to update my record. And has not done anuthing as of yet. Ive also made several phone calls to Equifax tryn to see why nothing is being done. And ill i keep getting is the run around. Ive done everything i have been told to do to take care of this issue. Why is Equifax so unwilling to correct my credit record? I have sent all of my paperwork to Equifax. And have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I opened a business account over a year ago and later realized the account was not the type I needed for my business, so I withdrew the funds and transferred them to another bank. I have not used the account since that time and assumed there would be no further issues related to it. In the past few weeks I 've been receiving emails telling me the account is overdrawn. Here 's an example " We 're writing to let you know that there are insufficient funds to complete recent activity for your deposit account ending in XXXX. '' I see no reason for this kind of thing and stopped at the branch yesterday where a drive-up window agent told me someone would call me this morning to discuss the matter. It never happened. More of the same nonsense!

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-01-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: This complaint is not about items on my credit report. Experian has my credit score fluctuation up and down XXXX points during the course of every month and has done so for the past 6 months. I inquired about the fluctuation because there has been no change in postings on my report in months. I was informed that I have one credit card account that has a recurring {$26.00} balance that I pay off every month is the cause. This explanation was based of their FICO Score XXXX model. There solution was not to pay off the credit card each month. The problem with that solution is that I incur a {$37.00} fee if I do not pay off that small balance. This solution is not workable. There was no other explanation. I suggested to the representative that this did not make sense. If she was indeed correct I was being penalized repeatedly for responsibly using credit. She said there was no other explanation. If you could assist me in correcting the problem or getting a reasonable explanation as to what is happening I would very much appreciate 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 03/30/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I need for fedloans to update my payment history on my credit report. my loans was in the deferment status

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Deceitful reps, inaccurate information, jacked up fees and undisclosed rates have significantly increased my loan balance. The availability and transparency of other payment options, military benefits, and other programs designed to help me pay back my loans were not readily available and convoluted and inaccurate when speaking with reps.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (VT).
Issue: Making/receiving payments, sending money

Complaint: I have purchased several ebay gift cards over the course of the past two months through paypal digital gifts. These gift cards are supposed to be usable at ebay, unfortunately when I go to check out I get a message saying " Something went wrong. Please try to check out again. '' error XXXX. Everytime I make another attempt it gives me the same error. I have called ebay, they tell me it 's paypal, paypal tells me it 's ebay. Then ebay tells me it 's a security issue and ca n't provide me with any further information, then they tell me their executive department will get back to me and that never happened. I 'm at a loss of what to do. No one at either Ebay or paypal seems to know what the real issue is or why their own gift cards will not work ... At one point they even sent me to Ebay XXXX? I do n't live in XXXX I live in the U.S. It would be one thing if they could tell me the issue and give me options, however they refuse to do anything and the problem persists today.. Any other normal business would address this issue, however Ebay has a monopoly over this market, and forces everyone to use Paypal even if your using their gift cards?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Application, originator, mortgage broker

Complaint: I was approved for a loan because of doctored documentation Wells Fargo Financial submitted without my knowledge and they will not release the paperwork to me. This loan almost bankrupted me. I had over an XXXX % debt to equity ratio and should not have been given the refinance that caused me to pay XXXX a month vs. XXXX for a mortgage. They gave me cash on hand of over XXXX dollars and did it after the original paperwork was submitted. None of the checks were written to the big credit cards I had which is what they claimed this was for, a debt consolidation. Given the current additional wrong doings of the bank, I am hoping you can help me. 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 03/13/2017 about Debt collection (I do not know) with Miller, Stark, Klein and Associates (AZ).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Leaves voicemail daily on cell phone, does not identify who they are or where they are calling from, uses threating tactics that a complaint has been filed against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (AZ).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for the Wells Fargo / XXXX XXXX card. They denied my application for the following reasons : *Too many inquiries. 
*No open installment loans. 
*Too many late payments, negative records, collection agency accounts or derogatory public records. 
The first two items are subjective. However, I monitor my three credit bureau reports daily, and I do not have any late payments, negative records, collection agency accounts or derogatory public records on any of my credit reports. I have a perfect payment history for the reporting periods of all three bureaus. 
I called Wells Fargo and asked them to review their decision. They reviewed and sent me the same nonsense reply. 
In light of the massive fraudulent, criminal activity alleged against Wells Fargo for opening accounts that clients never knew about, I find it incredible that they use a bogus excuse to deny a legitimate application from a well qualified applicant.

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 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Transunion is reporting an inaccurate public record on my credit file. I have notified them that that is not my account. This account is reporting a date of XX/XX/2009. This is not my public record. Please assist me in getting this public record removed from my Transunion report. Transunion is the only credit agency that is reporting this inaccurate information on my credit file.

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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Equifax refuses to tell me whether my SS # was stolen through them

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: This is my fourth complaint. I have spoken with XXXX who talked with XXXX to get a loan modification back in XXXX. My loan was modified XXXX XXXX. This modification include the amount in arrearage plus foreclosure fee, Lawyer fees. When I field chapter XXXX in XXXX XXXX I was behind XXXX, XXXX, XXXX which is the month I field the chapter XXXX. It was stated that I owe XXXX. I only owe XXXX which was XXXX, XXXX and the current month XXXX at the time. The proof of claim was incorrect and I told my lawyer that it was.The Fees, cost was include in the loan modification XXXX XXXX, XXXX per XXXX. Me and my Lawyer have been going back and forward with SPS for some time now. When a modification is done it include Fees, cost and pre-petition payments. Even there lawyer have stated that I only own them the XXXX payment plus whatever I got behind on in the chapter XXXX. We filed a Final Cure Notice indicating the proof of claim was in correct. Because my case was converted to a chapter XXXX on XXXX XXXX, XXXX the motion was withdrawn. Since then we have been try to get this corrected. SPS is not giving the information to there lawyer. When the case was converted to the Chapter XXXX we still have not gotten the Reaffirmation from SPS. So the case Dischage date have been moved to XXXX 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 03-01-2018 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (CA).
Issue: Other transaction problem

Complaint: I have a paid invoice which the merchant still has not been paid or the funds made available to the merchant. Now my invoice shows its paid but PayPal claims it was cancelled. so it should be in my PayPal balance but is not and never was. Nor was the invoice that says paid, paid.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MI).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XXXX XXXX 2017, I recieved an email from Discover Credit Card that my account has been closed without any further information. I tried to contact them for the reason behind this message, but they told me that they cant provide any information and when I insist they told me I havent submitted documents they requested. They havent revelaed which document I failed to submit yet, and also told that I have to reapply for a new card in this case. Ever since then they reported this to credit burea and rejected all my applications and enquiries on the same. After they closed my account I repayed the existing balance and cleared my account. I want to know the real reason behind this fraudulent activity on their side and also prevent my credit score being further damaged by this activity, for which I am not aware of the real reasoning. Please help me on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have contacted both XXXX, XXXX XXXX and Experian and made them all aware that I was a victim of identity theft and provided them both a copy of my police report, identity theft affidavit, driver 's license, social security card and a recent bill and asked them both to act in accordance with the FCRA Section 605 ( B ), by blocking the information that I have detailed to them that was fraudulent from my credit file and they both have refused to comply with the law. I have sent both credit reporting agencies all of the aforementioned details by certified so I can prove them having received this information and I can also prove their non compliance to the FCRA that governs them, and they have neither one done anything other than treat my complaints of identity theft as a normal dispute. I have tried to contact both companies by phone as well to speak with them about their non compliance to the law concerning identity theft, but when you speak to them on the phone they tell you that there is nothing called the FCRA. The agents that work about both of these agencies are oblivious to the fact that there are laws that govern their conduct and they just try to take advantage of the victim. Sometimes when you call they will hang up on you, or they will flat out refuse to assist you in any meaningful way. <P/>These credit bureaus are not complying withe laws that govern them and they both should be sanctioned and investigated. I have simply asked them both to comply with the law and block certain fraudulent information from my credit file after having provided all of the required documents, but they refuse to abide by the law. The people that work at these companies are extremely unskilled and not familiar with the law and the rules and regulations that govern them and they in turn treat the consumer in a demeaning manner. When I have mentioned to the representatives at both Experian XXXX XXXX, and XXXX that they could be fined and sued for their unethical practices they do n't take it seriously and they will tell you then just sue us then. Is this really the way that credit reporting agencies are allowed to act in the USA? This is unethical behavior that they are displaying and I hope that The CFPB will not continue to allow them to get away with 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