milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have multiple complaints. 
1. My husband and I became unemployed in XXXX and applied for a Special Forbearance we were approved and was told we had to make payments of XXXX my question is if we were unemployed how do we pay XXXX a month? I maxed out my student loans just to make the payments up until XXXX because school ended in XXXX I could not get any more funds. I thought when I got my taxes I would pay past due and then continue to make payments. However, my taxes were delayed 3 months due to marketplace insurance. In XXXX we received a letter denying the Special Forbearance and was told we did not qualify for any other programs. I was told by the XXXX Georgia rep this month that if we were unemployed we should not have been required to pay anything. Now I am in default with my student loans. 
2. I received advertisement that my house has a foreclosure sale date of XXXX XXXX, XXXX. I did not receive any default paperwork nor did I receive notification of any kind pertaining to the sale. I received a letter from an attorney that my house was in foreclosure dated XXXX XXXX. At which time I contacted Bank of America to start the process for a loan modification at which time the representative should have disclosed the sale date to me. I tried applying sooner but was told that we did not qualify for any programs. I tried applying when my job started working in XXXX and was told that I had to have 30 days of paystubs in order to apply. I called Bank of America after getting flooded with advertisements. to inquire why I did n't receive any notice regarding the sale date the rep said that a notice dated XXXX XXXX, XXXX was mailed indication default and foreclosure status. The issue that I have is that my loan was modified and bought current in XXXX at what point is the foreclosure status removed? I should have not been blindsided new notification should have been sent to me. 
3. Bank of America will not release {$3000.00} of funds paid by my Homeowners Insurance Policy for my roof a year ago. They are requiring a roof company to fix the roof and we can not afford the deductible and the roof companies will not do it for less. I have someone that will repair the roof but BOA will not release the funds

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 07-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: THE REASON FOR MY COMPLAINT AGAINST TRAN UNION STEMS FROM TRANS UNION FAILURE XXXX INVESTIGATE XXXX FRAUDULENT INFO THEY PLACED ON MY CREDIT REPORT.XXXX HAS FALSIFIED MY CREDIT REPORT BY CLAIMING MY XXXX IS IN COLLECTION XXXX HAS NO DEBT COLLECTION LICENSE FROM DCA SO THEY ARE BREAKING THE LAW.IN ORDER 2 DEBT COLLECT IN XXXX YOU MUST HAS A LICENSE..

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 05-11-2016 about Credit card () with SUNTRUST BANKS, INC. (NC).
Issue: Other

Complaint: I had a credit card with Suntrust that went into collections in XXXX. In XXXX, they issued XXXX cancellation of debt tax form, stating that this debt had been forgiven. That year, I had to include that balace in my taxes. Despite this, Suntrust continues to report that I owe then {$9400.00} on my credit report. I have disputed it multiple times, but they continue to tell the credit bureaus that I owe them this money. I have also contacted Suntrust about resolving this balance, but their representatives tell me that they can not accept payment because they issued a XXXX. It is unfair for Suntrust to continue to report this balance on my credit report, while simultaneously refusing to accept payment from me to resolve it. I am attaching a copy of the XXXX, and a snap shot of how this account appears on my credit report as of today.

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 02/23/2017 about Credit reporting () with Southwest Credit Systems, L.P. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: southwest illegally reaged my account 2 years. its a collection from XXXX the debt is from XX/XX/XXXX but southwest has decided its from XX/XX/XXXX on my credit report. so now it says it will be on my credit report until XX/XX/XXXX thats 9 years from when the debt happened in XX/XX/XXXX im sure it was on purpose and they like {$1000.00} fines for illegally reaging debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: APR or interest rate

Complaint: In XXXX 2015 the minimum payment on my credit card was {$270.00}. I paid {$300.00} and did not make any purchases, etc. on the card. As I understand it, {$270.00} should have gone toward the interest and the principal of the lower interest rate ( 9 % ) and at least {$24.00} should have gone to my highest interest rate of 16 %. When I look at my statement from XXXX and my statement from XXXX, though, the balance actually increased for the amount being charged 15.99 %. I called Bank of America XXXX times and spent more than an hour on the phone. The XXXX rep told me it was because I had underpaid XXXX month ( I did not ), the next call I got disconnected and the XXXX transferred me to a line that was supposed to have voicemail, but rang for more than 3 minutes without being picked up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Other debt) with Risecredit, LLC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I had an account that was past due because I was XXXX from the military and I was unable to make the payments on time and I tried to set up a payment plan to resolve the debt and in the midst of moving and getting my family settled after service I lost track of and was unaware of the debt being sold off and was required or notified that the balance was excessively higher than the balance before my transition from military service and I have noticed now that the balance is {$3400.00} and alot higher than it was when I last made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Checking or savings account (Checking account) with POPULAR BANK (CT).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: I have a recurring automated debit to my account that had insufficient funds for an error at another financial institution, however my issue is with Banco Popular Community Bank  notification communications and fee policy. 

My sole monthly automated transaction in this account is in the amount of {$110.00} which then overdraw my account and was returned on XXXX/XXXX/XXXX The bank has since charged me a total {$98.00} in fees since, and I am receiving my first notification via direct mail today ( XXXX ) and it is dated XXXX. 

This seems abusive and excessive especially since the bank has both my email and mobile number. I can understand one fee of {$34.00} for being overdrawn once! But the daily {$5.00} fee when they are sending direct mail and additional {$34.00} of the company 's second attempt totally {$98.00} is abusive, especially given that I am only receiving notification of this on XXXX. I would have rectified this situation immediately if I were properly notified of the issue, as I will be doing today. 

I only have an account with this bank as my XXXX speaking parents find it easy to bank with them. As such, I am aware that this bank target customer is XXXX speaking customer, and I find their practices and policy to be malicious and ill intentions as they are expecting their customers to not be aware that there are agency set in place to protect them such practice. This is not the first time I have issues with their practices but its the first time I am filing a formal compliant. The fees in total are nominal to me but this bank has unfair practices and policy and are taking advantage of their customers base. There are technologies available to allow the bank ( or any company ) to communicate to their customers for required notifications. This should be a use case ( along with many others ) of what would quantify as a required notification with a customer 's available contact information ( email and direct snail mail ). Its XXXX, not XXXX where email and internet were brand new. I believe an audit is more then warranted and Banco Popular Community must be held responsible to step up, as many banks have done with proper notification of required information. There should be no excuse!

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 04/15/2015 about Mortgage (VA mortgage) with FLAGSTAR BANK, FSB (CO).
Issue: Loan modification,collection,foreclosure

Complaint: My husband is in the United States XXXX XXXX XXXX and with the budget issues last XXXX, his pay was frozen and we became behind in our mortgage payments. We called to try to work something out and we were told that we needed to pay, and that we should just borrow the money from someone. Finally some money from the XXXX XXXX started to come in ( we were 2.5 months XXXX at this time ). We called to make a payment and they stated that we needed to make XXXX payments ( which was a completely different story from when I had called a week earlier ) and they would not accept just XXXX payment. Luckily, we were able to borrow some money from a family member and made the 2 month payments. Once we made this payment, they sent us a letter saying that they would no longer accept payments from our bank, that we needed to send in a money order, cashier 's check or pay by XXXX XXXX. Both of us work full time ( XXXX - XXXX ) so getting to a bank during normal business hours is near impossible. So far I have sent XXXX payments via XXXX XXXX ( costing us a fee, of course ) and that was a painful process ( they can never find the correct business to send it to ). Today, I tried to make a payment and they could not find the business to send it to, we also had a friend who wanted to call and make a payment on our behalf and would not allow her to pay over the phone. This company is making it VERY difficult to make a payment, it is almost like they want us to default on our loan so they can take our home.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Checking or savings account (Checking account) with BOEING EMPLOYEES CREDIT UNION (IL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: On XX/XX/2017 XXXX XXXX withdrew $XXXX from my acct at BECU after I used my debit card to sign up for a free one month trial that  I immediately canceled. 	 	From my BECU statement:
XXXX  POS Withdrawal - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Card Ending In XXXX	$XXXX	

This is the second time they have fraudulently charged me. And they have since, charged me the same amount every month in spite of:
1) I have asked BECU to block their access to my account.
2) XXXX acknowledges that I have never purchased anything or agreed to be charged for anything by them:
"email ----
from:	XXXX XXXX 
reply-to:	XXXX XXXX 
to:	XXXX
date:	Tue, XXXX XXXX, 2017 at XXXX XXXX
subject:	RE: [CASE:XXXX] Fraud
mailed-by:	XXXX
signed-by:	XXXX
security:	 Standard encryption (XXXX) Learn more
:	Important according to our magic sauce.
XXXX XXXX 
XX/XX/XXXX

to me

Hi XXXX,

Thank you for contacting XXXX Customer Care.

We understand that you have not purchased anything from our website and still your bank account is charged for $XXXX.

We have checked your account XXXX and unable to find any charges under your account. Hence we request you to let us know if you have any other registered email address with us so that we can investigate it further and help you better.

Please mention the case # XXXX in your future correspondence with regards to this query.

Regards,

XXXX XXXX

Customer Relations XXXX XXXX XXXX 

XXXX
This overseas company illegally withdraws and refuses to stop or acknowledge my attempts to contact them and my bank, BECU, aids them in this blatant theft. BECU refuses to stop this action in spite of numerous requests.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/14/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Credit card protection / Debt protection

Complaint: I ordered some phones wholesale from XXXX. I had a lot of trouble with the merchant, contacting them and finding a resolution. The phones were inspected and found to have non-oem parts. I requested a refund with the merchant and the merchant denied it. I opened a dispute 4 times with American Express because each time it was sided with the shady merchant. I provided documents showing phones being sent back and documents showing the professional evaluation of the phones. I got scammed out of $ XXXX. Now I can not do anything because the merchant has told American Express that they never received the phones but instead received " books ''. I got scammed and American Express did absolutely nothing to protect me. My consumer rights were ignored and American Express continued to side with the lying merchant from XXXX. I am complete upset and American Express could care less. All they want is money and to cash in on my losses. I have been scammed and defrauded.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Bank of America extended {$50000.00} line of credit loan to borrower, who was co-trustee of a trust. Modest family home was the only trust asset. Title search was never done by bank, else they would have discovered in the Trust document AND paperwork recorded with XXXX County, CA, that financial transactions could not be made without the approval of BOTH trustees. This was a fraudulent loan done by B of A. Borrower, an XXXX who was n't married and had no children, died last year and his sister, the other co-trustee, is survivor trustee. She had no knowledge of the loan, never approved the loan, and never benefited from the loan. How the money was spent is unknown, and he had no assets. After repeated contacts with Bank of America ( since XX/XX/XXXX ), they have just informed her in XX/XX/XXXX that they will not forgive the loan, and are threatening her with foreclosure on the house. She lives in XXXX California, has very little money, and takes care of a XXXX grandson. She has no money to pay court fees, even if the attorney worked for free. {$50000.00} is a " fortune '' to her, while it 's " small change '' to Bank of America. I have ALL documents to prove this, and it 's a very straightforward issue. Bank of America had no legal right to extend this loan to an unauthorized borrower, and has no legal right to demand the innocent victim to pay it off, else lose her home.

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 05/21/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of  XXXX     2016  and  XXXX   2016 .     I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.     I even called and go the late fees waived because I did n't get the statement and paid my balance off right away.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear CFPB, First of all I want to report that a notice of default has been recorded by XXXX, XXXX at our XXXX XXXX County Recorders XXXX on my property located on XXXX XXXX XXXX XXXX, CA XXXX. Their is a projected sale date schedule for XXXX XXXX, XXXX have repeatedly sent several letters to dispute the alleged debt and validity of the recorded documents recorded at our XXXX XXXX County Recorders Office to OCWEN, XXXX AND XXXX XXXX. These XXXX ENTITIES HAVE FAILED TO VALIDATE, MUCH LESS VERIFY AND AUTHENTICATE THE ALLEGED DEBT. Moreover, these XXXX ENTITIES continue to violated my consumer protection rights pursuant Fair Debt Collections Practices Act ( FDCPA ) and Truth in Lending ( TILA ). See enclosed Notice of Default served to me by XXXX XXXX. 

These is a list of letters I have served these entities via certified mail and faxes ( Attached ) :1. XX/XX/2014 : Notice of Dispute and Demand for Verification letter certified mail served to Ocwen. 
2. XX/XX/XXXX : XXXX Disputing and challenging validity of recorded instruments and assignments at our XXXX XXXX County Recorders Office. 
3. XX/XX/XXXX : CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT COMPLAINT against Ocwen and XXXX Bank. 
4. XX/XX/XXXX : Notice of Non-negotiable Non Transferable NOTICE OF DIPSUTE applicable to all successors and Assigns, served to OCWEN and AFFIDAVIT REQUEST TO OCWEN LOAN SERVICING , LLC VERIFYING AND VALIDATING ACCOUNT # XXXX, as a matter of law and equity. 

5. XX/XX/XXXX : Demand for Debt and Validation of Proof of Claim served to XXXX. 
6. XX/XX/XXXX : Cease and Desist and Notice of Invalid Instruments : Trustee in foreclosure liable for damages under California Homeowners Bill of Rights. Served to XXXX and Ocwen Loan Servicing , LLC . 

PLEASE NOTE that XXXX County Civil Grand Jury here in CALIFORNIA just released an audit conducted ( enclosed ) by XXXX XXXX " INTEGRITY OF LAND RECORDS IN XXXX COUNTY '' where it uncovered the same allegations that I have been alleging and also concurred with the violations addressed by California Homeowners Bill of Right. 

I 'm demanding that these XXXX ENTITIES, OCWEN, XXXX XXXX and XXXX XXXX to identified themselves, to validate and respond to the above requests along with AFFIDAVIT of AUTHORITY TO CARRY OUT A NON-JUDICICAL FORECLOSURE. All I 'm demanding is just fair treatment according to my consumer protection rights under FDCPA and TILA so I can work out an amicable resolution with the legal and lawful authorized entity. 
I can be reached at ( XXXX ) XXXX. 

respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Deposits and withdrawals

Complaint: Checks got to deposit to my checking account at Bank of America and these checks were considered bad checks I was not aware of these transactions and the checks was made out to someone other then me and not sure how the bank was able to allow them to be deposit and not sure if there was a signature which would not be matched to mine. They put a flag on my social sercurity # which now i 'm not able to open a bank account at any bank. I would like to get this removed they will not remove it said that I was responsible for the account. No money was taken and there was no lost to the bank. It is to late to report this to police since it happen in 2013 and I just found out about 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 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX Experian XXXX XXXX are all reporting a balance of XXXX of a XXXX loan that I do n't own that balance the XXXX XXXX XXXX XXXX was suppsoed to pay this amount but have n't payed this is incorrect information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (VA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX my husband XXXX XXXX received information that our house was set for auction on XXXX XXXX 2016 if we did not pay the past due balance. Her contacted our mortgage company RoundPoint Mortgage and was told to pay XXXX by XXXX XXXX to stop foreclosure. We issued and mail a cashier check and overnighted it to the company in the amount of XXXX they received the check on XXXX XXXX @ XXXX. the cashier check was returned to us on XXXX XXXX. post marked XXXX XXXX saying it was n't enough money. He called the company on XXXX and they apologized and could n't give us any explanation as to why the check was returned and told us to wire them the funds due to time restraint! I wired the funds yesterday at XXXX my husband called today and XXXX said that he was manually entering the funds to our account to call him back within the hour! My husband called and they said it was n't enough funds that we need XXXX then went to XXXX! XXXX would n't speak with my husband, my husband asked for a supervisor and was placed on hold for 15mins and then they told him that the supervisor would have to call him back! I have never in my life dealt with a company like this!

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