milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Application, originator, mortgage broker

Complaint: On XXXX Bank of America stated that I was not eligible for the Bank of America Capitalization Loan Modification Program due to income not meeting program eligibility. The income calculated by Bank of America was {$17000.00} per month. Bank of America calculated PITA to be {$65000.00} ( {$5400.00} per month ). Yearly income calculated with an income of {$17000.00} per month would be {$210000.00} which clearly would cover the costs. Why was I refused the modification? Did Bank of America error in their calculations?

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 10/23/2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX 60 days late as of XXXX XXXX 30 days late as of XXXX XXXX 60 days late as of XXXX XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2015 about Debt collection (I do not know) with EOS Holdings, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In checking my credit report I find EOS CCA, XXXX XXXX XXXX, XXXX, XXXX XXXX, claims I owe them a current debt dated XXXX/XXXX/XXXX in the amount of {$460.00}. 

That is impossible. I have not used any credit since XXXX when my XXXX XXXX was destroyed by hurricanes and I lost all my assets. On the advice of any attorney who I asked for advice on filing bankruptcy to erase the outstanding debts of the destroyed business, he advised me that they were small, unsecured debts and it would be best just to contact the creditors and advise them I was unable to pay them, which I did. I am sorry, but I no longer have copies of the correspondence to the few debtors I had at that time, but it could have been no latter than XXXX, which would make any debt I might owe over 8 years old. My assumption was that these small debts would simply be written off. I do not remember what the amount of any of the less than half dozen outstanding debts I might have owed at that time might have been but I do n't recall anything over {$300.00}, so the amount of this alleged debt has been written up and the debt has been redated to keep it current. I believe this is a debt that has been sold and redated to keep it current, which I believe is unlawful. It should have been written off XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have some Inquiries on my report in which I did not authorize. I see inquiry where someone try getting credit three times from XXXX XXXX, one month after each other. I have never applied for XXXX XXXX simultaneously. Someone illegally, applied for these companies attached without my authorization. I never applied for XXXX either that is reporting as an inquiry on my report in 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I have spoken several times with Nationstar Mortgage, XXXX XXXX XXXX XXXX, XXXX Tx, XXXX. It has been over the accumulation of late charges and fees portion of the statements they have sent to us. Our Loan has been passed on to XXXX morgage companies in the past ten years. The last being XXXX XXXX. We had an agreement that a {$50.00} late fee would be applied to our monthly payments if we were late. When the transition took place Nationstar automatically said we owed XXXX in late charges and fees in a category included in our statement. I contacted them and told them to please get this corrected. That we have records showing all late charges/fees were up to date. With XXXX. Since that conversation XX/XX/XXXX the first month Nationstar took over. We have sent our {$50.00} late fee when applicable for being late. I have called them several more times about this issue in the last year. I got so frustrated trying to get someone to correct the problem I sent the fees along with my XXXX XXXX payment to balance this account. I sent my XXXX XXXX payment in with the {$50.00} late charge also since it was XX/XX/XXXX. Which should have balanced my account. I received a letter XXXX XXXX indicating that the money I have sent them. An accrued amount of XXXX for those fees real or added on has been put in suspense and they still are adding fees to my late charges when they are holding that money and telling me if I do n't sent another payment of XXXX for my XX/XX/XXXX payment they will send the XXXX back and add it to this XXXX. Making it look like I owe them XXXX for XX/XX/XXXX Plus more late charges/fees. My monthly payment is XXXX plus {$50.00} late fees. And that is it. I spoke with them today and asked why they keep accruing this Late/fee and keep charging me more charges and fees when they have this extra money that was sent along with my payments to clear these charges up. They said as long as I pay late at any time they are not going to apply these funds to my late charges fee to clear this up. I only owe XX/XX/XXXX payment right now. I estimated that if they pull this on a half a XXXX accounts out there ( which is probably a low estimate on the amount of mortgages they handle every month. ) and just XXXX dollars is tacked on to each loan in fees like this. They could be raking in XXXX XXXX dollars a month and no one would be the wiser. They keep asking me to send the money in and they keep accruing more charges on money they already have. I asked them again to put that money where they ask for it to be paid on and they refuse. These are the kind of things that XXXX, XXXX XXXX XXXX, XXXX XXXX pulled back in the trouble period with the congressional hearings and Dept of Treasury situation to make it look like people are behind for foreclosure attempts. This worries me that this company is using these tactics also to liquidate loans. Should I be concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Checking or savings account (Checking account) with BB&T CORPORATION (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: BBT securities exchange [ bank ] has admitted to paying a XXXX balance? can they show me with clarity how this was done? did they get paid first by beareu of fiscal services US treasury? or did they discharge it to my social security TRUST ESTATE ACCOUNT of which they are acting as custodial trustees behind my back, well at least we know now there are 2 ledgers they are keeping and full disclosure was not given to me because thier ledger is a secret, well i know all about the fraud and trix, theres no original instrument of indebtedness because they sold it, and after 90 days all negative balances are paid by insurance, they never tell you that, BECAUSE THE BANXTSERS ARE ALL XXXX XXXX LIAR THIEF CRIMINAL MISCREANTS, THEY STEAL FROM EVERYBODY ALL THE TIME

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Checking or savings account (Checking account) with KEYCORP (WA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Hello there, I 've been a member with  Key  Bank since  XXXX . I have a Key Previlege account and CD account with  Key  Bank and was told that I will not be change a monthly maintenance service charge per their Personnel Banker  XXXX   XXXX  on my Checking. I did not realize that this account was being charged monthly service fee since  XXXX  of  XXXX  thru  XXXX   XXXX  .This is my savings account for my widow mother. When I received the statement for this account, I did not check activity detail indicate on the statement that  Key  Bank was charging me a monthly fees. Due to the fact that I was told no monthly fees, I did not double check the statement. When monther needed the funds and notice the monthly fees indicate on the statemented for  XXXX   XXXX . We question Key Bank. This is when I call the customer service and spoke to  XXXX  on  XXXX   XXXX   XXXX  was told that she that their system was not able to link my account together since I original open  XXXX  account in  XXXX  since  XXXX  and recently open a CD in  XXXX  WA. I know that it was my mistake for not reviewing the statement monthly, but since this was a raining day funds for my mother I did not think about checking the detail and told upfront no fees would be charged.. I was advise by their customer service (  XXXX   ) t o close my current checking account and open a new account which I did. I feel I am a victim of FRAUD by  Key  Bank and dishonest done by their employees. They were dishonest with me and was told that I will not be charged. I tried resolving this issue with  Key  Bank and after 16 days of waiting for a response I finally received a return call from the Branch Manager  XXXX   XXXX  that the company will only refund the service fees of a couple month. I am asking for t he Seven  month refunds of the service fees that they charged me totaling {$170.00}. I feel that I was taken advantage of. It 's not my problem that there system is not able to link out of states account. I should not pay the price for their system failure.     Thanks  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/30/2018 about Payday loan, title loan, or personal loan (Payday loan) with Advance America, Cash Advance Centers, Inc. (NE).
Issue: Problem with the payoff process at the end of the loan

Complaint: I had been told that a loan I was delinquent on would be going to collections if I didn't make a payment by XX/XX/XXXX. I could not meet the deadline, and assumed that it was too late. I had expected to hear from a debt collector at some point, never did, but yesterday XX/XX/XXXX it had been pulled from my account bringing it into the negative. 
I had been lied to about it going to collections, and I don't know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Student loan (Non-federal student loan) with ALASKA COMMISSION ON POST SECONDARY EDUCATION (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have a student loan with Alaska Commission for Post Secondary Education from XX/XX/XXXX that I have been paying on. If I got behind, I always caught back up. I filed for divorce in XX/XX/XXXX ( I was a stay at home mom up until XX/XX/XXXX ) so my account became delinquent and in default. In XX/XX/XXXX I filed bankruptcy. Knowing my student loan was n't going to be discharged, I contacted ACPSE to setup a payment plan. They refused to work with me and said that I needed to pay {$1800.00} order to be considered current ( {$3800.00} total debt ). Obviously I could n't do that, I am a single mom of XXXX just reentering the workforce. There was no way I could manage to do that. In XX/XX/XXXX they turned the account over to collections. The collection company now is asking for {$5800.00}. I contacted ACPSE on XX/XX/XXXX and stated I could arrange payment in full if they would be willing to work with me. They replied with " Contact the collection agency to settle your debt ''. I would like to get this account settled and paid but I ca n't pay {$5800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Yesterday I received a notification that I had a new inquiry on my credit report. I purposely added a fraud alert on all three credit bureaus a few months ago to avoid this from happening. The credit bureaus are out of control right now and do not care about us consumers. I did not authorize anyone to run my credit for any reason yesterday. The following fraudulent inquiry need to be removed immediately. They are violating my privacy rights by just letting anyone pull my credit. XXXX XXXX XXXX - XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Student loan (Non-federal student loan) with Campus Student Funding, LLC (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In XXXX I took out a student loan through my school, XXXX, a XXXX school. The loan was held by, XXXX XXXX XXXX, XXXX XXXX XXXX, my loan was bought out by, Campus Student Funding , LLC , and managed by XXXX . When this switch occurred it dropped my credit score by XXXX points. XXXX XXXX, I paid this loan in full, only to find that Campus Student Funding , LLC and/or XXXX never registered this loan to reflect on my credit score. I have contacted XXXX XXXX and XXXX in attempts to reach Campus Student Funding and XXXX XXXX, the company they are associated with, to no avail. They have damaged my score and in not registering my loan they have deprived me of a chance to improve and further build my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Debt collection (Medical) with Commercial Acceptance Company (NE).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Commercial Acceptance Corp 's XXXX, PA office contacted multiple of my children. They were not party to the debt and it was disclosed to them that Commercial Acceptance was attempting to contact me. CAC has my correct phone number and I am having my mail forwarded, as I recently moved. The debt is associated with a medical charge and a dispute with my insurance company. I believe their actions were overly aggressive and not in conformance CFPB rules and regs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/XXXX, I attempted to purchase dinner at XXXX XXXX for {$42.00}. My debit card ( ending XXXX ) was denied twice, even though I had {$370.00} approx. funds on deposit. I then used my debit card from my daughter XXXX XXXX XXXX XXXX account ( ending XXXX ), in which the entry was approved. When I called XXXX, they told me there could be a series of events that could flag as my card for suspicious transactions. That would make perfect sense if I had made several transactions. This was not the case. I would even understand if the transactions were in larger amounts than normal, which again was not the case. On XXXX I used the work vending machine {$2.00}. XXXX, I used XXXX ATM and transferred {$110.00} to my daughter 's account ( I transfer funds every month ) and paid my XXXX XXXX. On XXXX, purchase at XXXX {$5.00}. These series of events flagged my card as suspicious?!? 

It is horrible that XXXX, who is a multi- billion dollar FI is denying transactions that does n't even sum up more than the {$50.00} of the minimal liability of a REG E claim!!! 
This is horrible. Why should customers be denied for transactions for such small amounts, and embarrassed and then having to clear up an misunderstanding with them when there was not misunderstanding ... again, I had the funds on deposit!?! 
This is NOT good business and lousier customer service!

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 06-09-2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I used XXXX XXXX XXXX in XXXX XXXX, California on XXXX XXXX XXXX to ship box parcels to XXXX.. The total charge was {$340.00} which I paid with my XXXX XXXX. The Tracking # on the Receipt is : XXXX. I have a copy of the receipt. On XX/XX/XXXX, I received e-mail from XXXX XXXX stating that I exceeded the limit that was set before. I called XXXX XXXX and fond that XXXX charged me {$1300.00} on XXXX XXXX for the same tracking # on the receipt of the shipment. I declined the payment, and XXXX XXXX XXXX removed the charges on the next statement after I contested the charges and explained to them that I did not sign for this amount of charges and supplied them with the original receipt from XXXX. Later, I received an Invoice # : XXXX from XXXX with invoice date XX/XX/XXXX for the same tracking # for the receipt that I signed on XX/XX/XXXX. The charges was {$1300.00} as a balance due. I called XXXX and explained to the operator on the phone that this is a fraud and it 's illegal to charge my credit card without my knowledge or consent. I explained to her that I would never have sent the shipment if I would have known that the charges is {$1300.00}. The employee was very rude and told that I have to make the payment to XXXX. I was terribly stressed and shaking so my husband took the phone and ask for a supervisor to talk to. A lady name XXXX spoke with my husband and after half an hour she agreed that I am right and she removed the charges. On XX/XX/XXXX, I received a letter from a collection company Named Transworld Systems Inc. with File # XXXX, Invoice # XXXX XXXX to collect adept on behalf of XXXX with amount of {$1500.00}. They added a collection fees charges of {$190.00} to the original {$1300.00}. On XX/XX/XXXX, I wrote a letter of all the above to XXXX and to Transworld Systems Inc. and asked to remove all the charges because it 's a fraud and illegal to charge me after the fact. On XX/XX/XXXX I received a letter from Transworld Systems INC with the Reference # XXXX XXXX stating that they are stiil reviewing the charges!. I really appreciate your help. I am a senior citizen and I got extremely stressed with every letter regarding this unfair charges. Thank you so much for offering this service.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from the " Enhanced Recovery Company '', claiming that I owe XXXX XXXX XXXX {$110.00} this past XXXX. I was unsure of the legitimacy of the company which is the reason I have avoided direct contact with them. However, I recently viewed that this debt is affecting my credit as an open collections I owe. 

I have paid off all of my remaining balance with XXXX XXXX XXXX for internet charges back in Florida. I have also made a new account with XXXX XXXX XXXX for TV and internet since last XXXX and have made all my payments on time. They have never XXXX informed me of an old existing account that I still owed money for. Nor have they ever denied me as a customer for still owing a debt. I honestly believe XXXX XXXX XXXX would have easily found this debt of mine, if it was legitimate, as my full name would be on XXXX accounts. This is the reason I am claiming this debt to be completely false.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted a dispute to Equifax for inquiries on my report. The response that I received was that I could contact the creditor if i believed it was in error or not authorized. Requesting them to assist me which would make it much easier than directly contacting these companies when you call these companies a lot of times the employees do not know and will refer you to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have been waiting for the following information to roll off of my credit report after 7 years. I just requested on online credit report and it says it is 10 years. Did the rule change? Is there anything I can do about it?     -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- A lien is a legal claim on an asset, and Equifax only collects tax related liens. Liens stay on your credit report up to 10 years and generally have a negative impact on your credit score.     Case/Docket #  XXXX  Date Filed  XXXX / XXXX /  XXXX   Court DE  XXXX  CO  XXXX   XXXX  {$620.00} Date Reported Status Lien Class State Comments

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I sent a notice of dispute to Experian about an incorrect " Date opened '' for my XXXX XXXX XXXX account reported by them on my credit report. They report a date of " XXXX XXXX ''. This is not correct. That is the date the account was sold to XXXX XXXX XXXX. by XXXX XXXX XXXX. This account was originally opened prior to XXXX with XXXX which sold the account to XXXX XXXX XXXX. I sent Experian indisputable written proof that the account was opened prior to XXXX. I sent them XXXX account statements, letters regarding the change of ownership of the account to XXXX XXXX XXXX, and the actual affidavit of sale of the account from XXXX XXXX XXXX to XXXX XXXX XXXX. They contacted XXXX XXXX XXXX who apparently is not aware that the account was originally opened with XXXX. Experian and XXXX XXXX XXXX are " re-aging '' my account much to my detriment. This is not legal under the terms of the Fair Credit Reporting Act. Only accurate information is allowed to be reported. Experian chose to ignore my written evidence regarding the age of the account and instead relied on the incomplete and/or inaccurate records of XXXX XXXX XXXX which apparently does not have the whole history of the account. Experian is also incorrectly reporting " XXXX XXXX XXXX '' as the original creditor when in fact the original creditor was XXXX. I keep meticulous records of my accounts and I know when the account was opened and with whom it was opened. 

Experian is continuing to report the incorrect " Date opened '' of XXXX XXXX and the incorrect original creditor of " XXXX XXXX XXXX ''. I have attached evidence proving my case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation