milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (VT).
Issue: Managing, opening, or closing account

Complaint: I called American Express on Monday to see why my card was declined, as I had enough funds in the account to cover the transaction. I was informed that because I no longer had the debit card that was linked to the card that they were suspending my account. They said since I could n't verify it was my debit card that was linked they locked the account and there was no way to get it on locked. they also said since they have locked the account, I will not be able to get my money back that I have in the account. I asked them if they can just delete the card from the account, as I could n't do it as they have locked me out of the online account. and they said that they could n't because the account was locked and I was never going to get my money back. I said at this point, I just want to closed the account and have you send me a check for the funds that are in the account, they informed me that they could n't and would n't do that ever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/21/2016 about Mortgage (FHA mortgage) with CMG MORTGAGE, INC. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: We closed our loan XXXX XXXX 2016. When I finally got the paperwork about the loan servicer I attempted to go online and set up an automated payment. The website said my SS # / Loan # did not match. I called up and was told the " correct '' loan # ( different than on the paperwork mailed to me ). I then went in again and got the same error with the new loan #. The customer service # XXXX was automated. When you selected the option to speak with a representative it would redirect you to a disconnected #. If I had not actually applied and closed on a loan I would think this was fraud.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Asset Acceptance bought a supposed old debt of mine that is way past the 7 years from date of last activity/payment. They continue to report this debt to XXXX that they purchased from XXXX Bank in clear violation of the FCRA. I have disputed with XXXX and it always comes back " verified ''. When I inquire with XXXX " what method they used to verify '' they do not respond. This is another clear violation of the FCRA by XXXX. I am ready to file litigation against Asset Acceptance and XXXX if this account is not removed right away. I will also file complaints with the XXXX, State Attorney General and anyone else that will assist me in righting this wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2016 about Debt collection (I do not know) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Have received a notification from credit report that the collection entry has been entered. I have contacted the collection company in question several times both in writing and by phone within the past 3 months, however had not received a valid response of verification of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I paid off a balance a month ago plus two derogatory remarks came off my account and my credit score went down plus the show the balance I paid off as still being there The amount is {$12000.00}. fora XXXX XXXX credit card it show I still owe it. as per equifax, and they have since updated my records 4 time. Also shows my credit age as 3 months 6 years when it is closer to 8 years. Also XXXX shows I havXXXX 2 open accounts equifax says 14. Lets get it together huh, people, this has big impact on peoples lives everyone wants us to have a good score but none accurately keeps one

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Late fee

Complaint: Synchrony bank submitted my name to all XXXX bureaus with XXXX late payments even though I had been making them. They charge XXXX per month for a late fee, even though the payment might have come in just a few days late. They were turning me in because of the Late fees because even though I was paying them the regular monthly payment, I was unaware that late fees were accumulating and putting my bill into the " late '' category. I think turning me in XXXX times to credit bureau without being notified was excessive! I have since put them on autopay and if I had the money, I would pay them off immediately! They are rude when up you call and their communication is terrible! I had no idea they turned my name I to credit bureaus until I ran a report - are n't they supposed to notify you?

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Advertising and marketing

Complaint: Amount charged to my credit card was greater than the posted amount for parking. I contacted the merchant twice, I did not hear back. I contacted Chase on XXXX, and they refused to credit my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/25/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (ME).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX, we contacted Ocwen Loan Servicing to apply for a Deed in Lieu of Foreclosure. We completed all the necessary paperwork, and received documentation that asked us to vacate the premises completely by the end of XX/XX/XXXX. We removed our belongings and said goodbye to the home. We did try returning for forgotten items, and the door had been kicked in, the locks had been changed and work had been done to the deck on the home. When we called Ocwen, our loan was no longer in the mortgage department, and the Loan number changed. Our calls went directly to the Short Sales department, even though we applied for a Deed in Lieu. The house was listed on the real estate market, as evidenced by a google search on the home, as well as, a friend of a friend was trying to purchase the home around XX/XX/XXXX. The sale to him was not complete due to what he explained as " the bank did not register the deed ''. We then began receiving phone calls again from Ocwen with no real explanation of what happened, other then the DIL was never approved. We felt our process had been completed, we had left the property and not entered it for well over a year. This XXXX will be 2 years since we have put foot in the home, and yet we are still being held accountable for late fees, etc. 
i recently obtained a lawyer to see if there was any way to get back into the home and was given an opportunity to have a trial modification. This amount was not affordable for me at this time. We are then left with a short sale option, or another DIL option. There has been over 20,000 dollars worth of charges added to our loan balance since we left the home. Because we have been out of the home ( at the insistence of Ocwen ), we have lost any ability to rent or sell it. We do n't even have an ability to enter or use the property. There is also currently damage to the deck that has taken place during this time. We feel the bank made an error, perhaps the loan was sold, and that is why it went to short sales, and the loan number changed. We also feel as though some of our rights as homeowners have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 07-10-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problems caused by my funds being low

Complaint: I am soliciting your help in reversing an illegal fee charged to my account with Bank of America on XXXX XXXX, 2015. My account had a balance of {$220.00} on XXXX XXXX, 2015 when a check written for {$200.00} was posted to my account. I spoke to a representative who advised me that there were insufficient funds to cover this check. This is very misleading because my account showed a positive balance of {$26.00} after this check was posted on XXXX XXXX, 2015. My account only went into the negative after the overdraft fee of {$35.00} posted to the account XXXX XXXX, 2015 creating a negative balance of ( {$8.00} ). This fee created negative balances for all purchases posted on XXXX XXXX, 2015. Please see evidence of transaction activities attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/19/2016 about Credit card () with AMERICAN EXPRESS COMPANY (UT).
Issue: Rewards

Complaint: I opened an American Express account back in XXXX of XXXX. It 's a XXXX XXXX credit account and with that there was a promotion being offered to get XXXX bonus points on my XXXX XXXX membership after spending {$750.00} within 3 months. I called Amex and XXXX and neither are willing to rectify the situation and give me the points I rightfully deserve. I called both parties around midnight - XXXX on XXXX XXXX, XXXX. 

PS I spent way more than {$750.00} in 3 months! 

( I believe there was also a {$50.00} Statement credit at the time, but not sure on that. )

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Struggling to pay mortgage

Complaint: Our client has been attempting loss mitigation with Bank of America ( BOA ) for several months now. However, Bank of Americas conduct has been in violation of servicing laws and standards as more particularly described below. REFUSAL TO OPEN LOSS MITIGATION REQUEST / MAKING MISLEADING STATEMENTS On XX/XX/XXXX, we submitted a request for ongoing loss mitigation with a copy of the listing agreement to BOA. Despite receiving said request to open a loss mitigation review, BOA failed to open a loss mitigation file for our client in violation of servicing guidelines.
On XX/XX/XXXX, we contacted BOA regarding the status of the short sale review and spoke to XXXX ( a BOA representative ). XXXX informed us that there was not an active loss mitigation review showing in BOAs system. He further stated that the XX/XX/XXXX letter was ignored by BOA because it was not submitted through XXXX ( BOAs short sale system ) however, we were never asked to submit the documents through XXXX. BOA was provided with the proper documentation to open a loss mitigation review, but failed to acknowledge the loss mitigation request and failed to open the review even though it was acting in direct violation of federal and state guidelines. BOA has failed to comply with federal and state rules and guidelines relating to servicing and foreclosure by failing to provide loss mitigation assistance when requested, and instead moving forward with foreclosure. DID NOT RECEIVE NOTICE OF FORECLOSURE SALE During that same phone call, we were verbally informed that there is a foreclosure sale scheduled for XX/XX/XXXX. As of XXXX XXXX, 2017, neither our client nor us had received notice of the scheduled foreclosure sale. BOA is required by N.C. law to properly serve the borrower ( or the borrowers attorney ) of an upcoming foreclosure sale. BOA is in violation of N.C. law. Although we did eventually receive an Amended Notice of Foreclosure Sale on XXXX XXXX, 2017, neither our client nor us ever received the original Notice of Foreclosure Sale.

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 05-03-2016 about Debt collection (Payday loan) with GVA Holdings, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was contacted by XXXX XXXX XXXX ( sp? ) on XXXX/XXXX/XXXX, regarding an online payday loan that they say i owe for, through a company called River Bend Cash. 

River Bend Cash has been trying to collect on a payday loan I did not authorize from XXXX or XXXX. 

I had a rash of online payday loans, XXXX total, that were laudered through my previous bank account. After my bank did their own investigation, they determined that there were XXXX loans deposited into my account over the span of 6 days, only to be withdrawn within 30 to 45 minutes of each deposit clearing. My bank was unable to determine how the deposits were withdrawn as there was no further electronic information. 

Due to my bank not being able to track where the deposits were moved to, my local authorities told me I did n't have sufficient information to file a police report for fraud and they recommended I shut down the account and move to another bank to avoid any further financial difficulties. 

XXXX XXXX XXXX is apparently the collection agency for this debt and have informed me that I am to be served with paperwork at my residence or work place. I have yet to see anyone show up at either location to serve me with anythng.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When I had first graduated and explored my repayment options I was never properly counseled on what may lie ahead of me. I felt like I was guided toward the most common repayment plan without disclosing the costs and benefits. After graduating from XXXX school, without a job in my field, and unable to make my monthly payments XXXX I was counseled to defer my repayment plan. I was never advised to make smaller monthly payments or offered alternatives. My interest rates were never discussed nor were the way my repayment would be applied. After graduating XXXX, taking a year off, then we applying to graduate school and enrolling I had to defer my student loan payments. During the time I did this and called to discuss my student loan options they simply stated I should go inter Department. The loan counselor never explained that my interest rates would continue to grow and I would accrue interest over there as I was in XXXX school as well. I have previously tried to call and calculate a better repayment plan and feel I was never given a direct answer.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (I do not know) with Navient Solutions, LLC. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: For over a year I 've been receiving robo-calls, adnauseam from a company that shows up on my caller ID as one of 3 names -- XXXX XXXX XXXX, XXXX or Municipal Services. The calls come 7-days-a-week and will start early morning and go right up to XXXX mst. 

If I answer the call, they hang up. If I do n't and it goes to my voice mail the message will say either to call the number and that it 's not a sales solicitation, etc. Sometimes it will say the call is for someone by the name of " XXXX XXXX ''? I 'm not him, do n't know him, have never met him and have no idea who he is. 

I used to get a message from the Municipal Services robo-call message telling me an arrest warrant would be issued for me if I did n't contact them. That 's actually illegal under the Fair Debt Collection Act to threaten to do something that you have no intention of doing. 

I mailed a cease and desist letter to them at the following address and told them I know of no such person they are trying to contact and I would file a complaint if I received another call from them. I stated in the letter that they may call me one time and one time only, just to verify they received the letter. I just got another robo-call last night on my voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is account appear on my report without my understanding.    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   Account #  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 10-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (DC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: For the past XXXX months, XXXX XXXX XXXX XXXX has been actively sending me promotional materials about their credit card and its associated benefits. The benefit that was appealing was that after spending {$3000.00} in the first XXXX months, XXXX would credit my XXXX XXXX rewards program with XXXX miles. After spending more than {$3000.00} during the first XXXX months, I called XXXX to inquire when my mileage credit would occur. I was advised that since I was a credit card holder XXXX years ago, these " reward '' miles would not be credited. I was totally surprised and due to their inability to address their own promotional information, I have closed my account with them and will probably never do business with this organization that undertakes consistent false advertising.

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 09/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NH).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I have opened my XXXX card after talking to XXXX marketing rep in XX/XX/XXXX. I was told that I will get XXXX  points as a welcome bonus. Again calling multiple times was told will get my points in XX/XX/XXXX billing statement. The rep even told me that you are eligible after 3 years as I had this card before. She insisted if I spend {$5000.00} then they will offer me another XXXX points, in total XXXX points. When called in XX/XX/XXXX they stated i am ineligible as i had the card in the past. I explained my situation and they promise to investigate and compensate me but till date after 4 weeks there is no resolution. I felt this is a shady business practice to lure customers and have them spend money. They only told me after 4 months of XXXX money spent. The company made its profit by getting the spending and through interest. So far I paid about {$500.00} in interests. I have called them several times and they still say that they are investigating the call details. If I was not misguided by customer relations I could have opened other competitive hotel cards which would have rewarded me welcome bonus. Talking to customer service is like asking for their kidney, they are unable to accept their own customer agents mistake and honor my points. I would not recommend anybody for this card.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Reference your complaint number XXXX. In reguards of this reference number, Bank of America ( XXXX ) Account, Bank of America Credit Card Account, Bank of America Home Loan, Bank of America Merchant Account, Regions ( XXXX ) Account, XXXX XXXX Account, XXXX Account, XXXX XXXX Account. This Accounts are in My Name The banks try to compromise my bank accounts along with my credit card accounts. My payments for all my accounts are paid promptly. Documentation for I my accounts have been approved and verified. Documentation provided physical address and contact information for Deposits in my XXXX Accounts. I have all credential and creditation for all my Accounts. I have made payments for all my Accounts, I have a hold on my accounts, try to compromise my account.The payments Deposit a hold was placed on the account. Some payments were reversed.I have proof of payments, and contact verification, physical address.

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 04/19/2017 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: We were charged a late fee of {$35.00} concerning our  XXXX  payment.  Fay Servicing po sted the payment on  XXXX   XXXX , but the check was cashed on the  XXXX . I have twic e e mailed them copies of the bank statements to attest to this fact and they  will not remove the fee. At the appropriate area of this form, I will copy and paste a 6 month payment history from my bank,  XXXX   XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Debt collection (Auto) with AMERICA'S CAR-MART, INC. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being charged four hundred percent interest on a partial payment made of XXXX instead of XXXX, the contract allows a partial payment, with a small interest on the last payment. I am being threatened with repossession if l dont pay XXXX interest for the partial payment, by Discount auto, when the contract is with american carmart. All payments made since the partial payment are not going toward the principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation