milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/16/2017 about Mortgage (Conventional home mortgage) with BMO HARRIS BANK NATIONAL ASSOCIATION (CO).
Issue: Trouble during payment process

Complaint: In XXXX my husband and I claimed a bankruptcy due to loss of employment. Part of that bankruptcy was a stipulation or modification with BMO Harris ( BMO Harris attorney was at the hearing ). The stipulation was that we pay XXXX per Month for 36 months with no interest and XXXX per month beginning on XXXX/XXXX/XXXX with an interest rate of XXXX %. My husband and I followed the stipulation and now that our bankruptcy is discharged and our credit rating a little better decided to refinance for a lower rate and combine the first and second mortgage. 
We had to request a payment history from BMO to show we had paid our payments timely. When the payment history was provided the payments were not recorded timely. Sometimes a whole month was skipped and two payments recorded the next month. Sometimes the payments were recorded late in the month. This did not show a consistent payment so I had to reach out to my bank for the history from the bill pay with chase bank to show that I had paid on time each month. This almost affected my ability to get a refi. On the payment history provided by BMO it showed a balance of XXXX. While I understand that this is not a payoff, it is usually pretty close. Prior to closing we requested a payoff. We were first told it would take 3 weeks. After some argument they said 5-10 days. When the payoff was finally sent it showed a balance of XXXX. This was a huge surprise. BMO despite that fact that my BK had discharged and I had requested statements did not send any.
When calling BMO Harris I spoke with XXXX who said that they had applied my whole payment to principle and had not followed the XXXX % that they were supposed to. This was another obstacle for us to be able to refinance as the amount was XXXX over what was on the payment history sheet sent previously. They did not follow the court order of the Bankruptcy, and were now wanting to back charge me all of that interest. This also will affect my taxes. I am trying to better my financial situation as a responsible consumer and kept my home instead of adding to the ugliness of the home crisis at that time. BMO Harris seems to have been irresponsible and I am now paying for that.

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 03-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Experian Information Solutions Inc. (MI).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I wanted to start that I have been mostly satisfied with the XXXX XXXX XXXX XXXX XXXX 's responses and resolutions in previous issues. However, the law requires me to file this dispute through the credit bureaus to preserve all my rights. 
I have a credit card with XXXX XXXX XXXX XXXX XXXX ( XXXX ). There were approx. {$750.00} in unauthorized transactions including unauthorized payments from an unknown account. Which also placed this account over the credit limit. As a result my minimum monthly payment increased from approx. {$70.00} to over {$1300.00} ( see  attached ). 

I reported the unauthorized transactions and XXXX timely provided a temporary adjustment. However due to a glitch the minimum monthly payment never adjusted on the online account summary page, but once I clicked the link to make a payment the accurate monthly payment amount displayed as $ XXXX/ {$70.00}. However, when I did attempt to make the monthly payments I would receive an error message. XXXX conceded on the error message being due to the current account status and provided a work around. 

As a result, this account is inaccurately reporting 30-days late for XXXX/XXXX 2018 could you please correct this error?

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 08-09-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NM).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On or about XX/XX/2017 I made a purchase from XXXX XXXX, a XXXX XXXX. I purchased a power washer and agreed to pay for the purchase through a credit offer from Synchrony Financial ( credit card ). I went on line to Synchrony 's web site to review my bill and set up payments ... There was a " Promotional Purchase '' offered " no interest for 12 months '' I entered into that payment plan. Having participated in other 6-months, 12-months, same a cash offers I thought this was a good deal, until I went on line after my first payment had posted and reviewed my bill. I shocked to see " Promotion Fee '' of {$50.00} added to my bill. I called the company ( XXXX ) to inquire about the {$50.00} fee and was told that by singing up for the " 12-month promotion '' I agreed to pay the {$50.00} fee. I stated that at no time was I told that there would be a fee of {$50.00} to enter into a same as cash payment plan. The customer service person informed me that cost was in the contract I signed, I replied that I was not informed that this type of fee would be imposed. I requested to speak with a supervisor, XXXX # XXXX in XXXX came on the line, I explained my situation to her and she replied : " I 'm sorry Sir there is nothing I can do for you. '' She went on to say that you should have looked at the paper work before signing. I feel that this is a fraudulent action by Synchrony Financial, the {$50.00} fee I was charged would possibly end up being more than any interest I would have paid on a {$400.00} charge over a 12-month period.

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 05/31/2016 about Debt collection (I do not know) with Convergent Resources, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt was filed with the company in 2008. 

The debt is no longer valid. It is outside of Statued Of Limitations. 

They are still calling and harassing me on my personal cellular phone.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: I have been a Bank of America for a few years. Today I received an email stating my Savings account which is linked to my E-Checking count to avoid maintenance fees is no longer applicable. The email had the audacity to state the " waiver '' I have been receiving is being removed. First and foremost BOM has not been granting me a special waiver. The maintenance fee has not been charged due to the fact it is linked with my E-Checking which I was advised to do when opening account and agreed upon. Secondly the email then advises I must open another type checking account to continue not being charged the maintenance fee. Bare in mind the minimum for these accounts are about {$20000.00} as is the Preferred Rewards option. Surely there should be a grandfather option. Nothing was advised when opening this account that BOM would come after the fact and force other options after agreeing to link E-checking and savings for no maintenance fee.Its principle and not a good way to do business. I bank at XXXX other establishments as well and never had this issue.I called customer service which apparently no one is working. As I was on hold an unacceptable amount of time over 70 mins being disconnected or no one to answer and had to head back to medical appointment. Constant automated message about call volume.I request BOM extend a waiver for a year that was offered to others in this situation by the XXXX Customer Care Resolution so that I have time to see what other options become available. I am a Senior with medical issues and limited income. 

Name on Account ( s ) : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : # XXXX Accounts : Checking, Savings Email : XXXXXXXXXXXX or XXXXXXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Billing disputes

Complaint: On XXXX XXXX, I bought a cell phone from XXXX using my capital one XXXX credit card. On XXXX XXXX, I got the XXXX XXXX phone, which is defective. I called XXXX XXXX times from XXXX XXXX to XXXX XXXX to return or exchange the phone, they promised to let me return or exchange the phone but did not give me the XXXX number which is a prerequisite for return or exchange. On the morning of XXXX XXXX I called Capital One to dispute the charge of {$79.00}, and Capital One refunded me the amount. After XXXX XXXX, XXXX sent me another phone which works and I returned to them the XXXX phone. After XXXX XXXX because the phone service on the second phone was cancelled due to the chargeback on the credit card, I called XXXX several times and told them I am happy with the second phone and requested to resume the service. They kept telling me they are not going to resume the phone service on the second phone due to the credit card chargeback. Before XXXX XXXX, their response might be reasonable because of the chargeback. However, things totally changed on XXXX XXXX, when XXXX rebilled my credit card and it showed up on my capital one account. On XXXX XXXX, I called XXXX, requesting to resume the phone service with them since they already rebilled {$79.00} to my credit card on XXXX XXXX. However, XXXX refused to resume the phone service for me. This is unreasonable, if you do not want me to use your service, why you rebill my account. Charging me {$79.00} and refusing to let me use their service is just wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: A tax lien from the state of Georgia was reported on XXXX/XXXX/XXXX for the amount of {$1200.00}. I made payment arrangements with them and it was released XXXX/XXXX/XXXX. According to the credit reporting agencies the lien should have fallen off 7 years from the original report date ( XXXX/XXXX/XXXX ). It has not come off of my credit report. I have tried to dispute it with the credit agencies and was told to speak to the state of Georgia. I spoke with them and they told me to speak with the credit reporting agencies. It has run it 's course and I would like for it to be removed from my credit report with all three agencies please.

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 01-11-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: I had a business checking account with Chase. There was {$20000.00} in it. In XX/XX/XXXX, I requested Chase to send a {$20000.00} check to a XXXX, and then closed the account. XXXX never received the check. 

I called Chase back in early XX/XX/XXXX, and they confirmed the check had not been cashed. At this point, since the account was closed, Chase said they would cancel the original check and send the {$20000.00} to me ( instead of XXXX ) at the business addresses on file. 

On XX/XX/XXXX or XX/XX/XXXX, I had still not received the check so I called Chase back. They said they would open a research ticket to figure out what was going on. I did not hear back from them, so I called back XX/XX/XXXX. They said they are still trying to figure out what is happening. I spoke with XXXX ; XXXX 's XXXX is XXXX. I have a reference number from my call that got me forwarded to them as well, it is XXXX. 

It has now been months and Chase has withheld {$20000.00} from me. This is absolutely ridiculous. Not only should they have sent the check to me by now, but I have a personal checking account with Chase also, they could have simply deposited the money there. It is obvious to me that if I do n't keep calling them, they would simply never give me the {$20000.00}. This is completely unacceptable. 

At this point,

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Deposits and withdrawals

Complaint: Good afternoon. 
I went into the Wells Fargo Bank Branch in XXXX AZ to withdraw {$800.00} on XXXX XXXX, 2015. When I went to get a printed statement I saw that there was a withdraw for {$1800.00}, something that I do n't recall doing so. So of course I went to the teller to get further information and all they said was that their balances were not out of balance and that they were going to submit paper work to try to get the security cameras looked at the time the teller was counting off the money. So, I got the run around and just on XXXX XXXX there was a voicemail from a woman named, XXXX. She said that the cameras are not there to focus on the money being counted just on the security of the staff. I 'm not satisfied with this answer. I never withdrew {$1800.00}. I want them to physically show me through video that they actually gave me that amount of money. Their balances are not sufficient proof for me to be content with their answer. Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I am submitting this complaint with CFPB because I am livid in the way Wells Fargo continues to give me the run around and its making it difficult for my case to get reviewed! I have submitted a complete packet with updated financials with my son 's promotion, my raised of income including a new part time job! I have attached the letter I send Wells Fargo to help me postpone the sale date on my property until my case evaluated. I 've spoken to several customer service reps and managers and no one has been able to assist me. They have continued to give different answers and that is very frustrating! Please review the attach letter with all the details. I have a sale date coming up on XXXX/XXXX/2016. Please help me I am in urgent need to stop the sale date. 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 11-05-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Have a letter starting account will be removed and they have not removed or. Will attach letter.

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 01-08-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (AL).
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 payments on the dates below : 30 days late as of XXXX 2017 60 days late as of XXXX 2017 90 days late as of XXXX 2017 90 days late as of XXXX 2017 I am not sure how this happened. I believe that I had made my payments to you when I received my statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/29/2017 about Debt collection (I do not know) with Meade & Associates, Inc. (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I contacted Meade & Associates XXXX XXXX 2017 after reviewing Credit report I told them that I never wrote a check to XXXX for {$90.00} & {$60.00}. I gave them the last XXXX digits of my social XXXX along with date of birth. I have never had a joint bank account with a XXXX XXXX my wife name is XXXX XXXX. XXXX. They said they could see from the information that this was not me. They said that I would have t contact XXXX to have it removed I did XXXX said as of XXXX/XXXX/2017 that they belong to me if they send me a copy of the checks I can prove these checks are not mine. I contacted XXXX to see were the checks were drawn from spoke with XXXX XXXX said she would Email me or call that was Friday please call XXXX XXXX and tell them to send me the copies of the check and to send info to XXXX to remove from my files. Ps. I told XXXX XXXX never stay on XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX, I sent a letter to all three credit bureaus asking them correct errors that appeared on my credit report. Both XXXX and XXXX XXXX responded promptly, by mailing me corrected credit reports. Unfortunately, I have not yet received anything in the mail from Equifax. I am starting to be concerned because it has been almost two months since I mailed the request, and they were supposed to respond within 30 days like XXXX XXXX and XXXX did.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: i have paid this account in full via settle. but it is been reported as charge it appear on my credit report on the XXXX/XXXX/2016 after it has been settle.

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 02/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In accordance with the requirements of the FCRA, as sited below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. I called TransUnion and their customer service agents were horrible. I talked to 3 different people and basically was told they know what happened but basically to file a complaint because they were n't going to fix it. This is a serious violation of the FCRA, and I reserve the right to pursue further action. TransUnion may avoid such action by immediately deleting this listing from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (OR).
Issue: Loan modification,collection,foreclosure

Complaint: My home has been in foreclosure status for several years. I have repeatedly ask for a deed in lieu of foreclosure. I 've received numerous collection calls and one of the first questions they ask is if I reside in the home. I assume this is for them to ensure that the 'asset ' or home is secure and protected. I live in the home. I received notification for Sheriff Sale posted on my door on XXXX XXXX, 2016 with notification of sale on XXXX XXXX 2016. The sale is inevitable, but the month notification is not adequate in order to secure a new residence. When I purchased the residence I was making in excess of XXXX a year, I did not work for 2 years after purchasing the residence and now work full time but make less than XXXX a year. I 'm unable to keep the residence.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Delinquent account

Complaint: In XXXX XXXX I contacted Capital One and it vised them I was unable to pay do to the fact that the Veterans Administration was unable to pay me for XX/XX/XXXX because they Could not get my money Direct Deposit into the Bank in the XXXX XXXX! I contact them several times and told them I would pay no problem and was told by a supervisor no problem they would work with me! Later that month it showed up has past due late payment on my credit report, I called back to Capital one was told they would correct it on XXXX XXXX XXXX and report it to the Credit bureaus. Later I called back she told me to wait for the next reporting date for it too show up on the credit reports as corrected. I called back today on XXXX XXXX XXXX and asked to talked to the executive team and was told I was unable to talk to them they transferred me to other Supervisor and she told me That it was not corrected in the System and it would be corrected? but was Disconnected I called back they connected me To the Military Dispute team I talked to XXXX and he stated it was in the System that it would not be corrected! I am a XXXX Veteran living in the XXXX XXXX Your more then Welcome to Call XXXX XXXX, XXXX XXXX that is the only one that does XXXX Direct Deposits with the Veterans Affairs She can Verify that she tried 4 times XX/XX/XXXX to Send the Deposit to my bank and failed. I just ask that Capital one to see the facts and reverse there decision on correcting this to all XXXX credit bureaus.

Company response to consumer: Closed with monetary relief