milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-12-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: The latter part of XX/XX/XXXX, we noticed a discrepancy in our BofA account balance. After digging into the account, we discovered several charges had been made using my husbands debit card, at a location 200 miles from where we live. The charges were made in very small increments so went unnoticed by us for some time. 

The following day my husband went into a branch close to his office ; the customer rep ( supposedly ) canceled his old card and issued him a new one. We continued to monitor the account ; the charges continued to occur. We then went into another branch ; the very kind customer rep did indeed cancel his old card as well as put us on the phone with the fraud department so a proper claim could be filed. ( Note : all fraudulent charges see used immediately when his old card was canceled. ) The total amount of erroneous and fraudulent charges were {$170.00} ; they deposited that back into our account the same day as we sat in that branch. 

We received a letter on XX/XX/XXXX, XXXX stating their inquiry had determined the charges were in fact incurred by us, are not fraudulent and they would be deducting the {$170.00} back out of our account ( which they did on XX/XX/XXXX ). 

Since that time, besides those two visits to branches, we have sent a letter ( per their request after our first complaint call ) and, as of today, made SEVEN additional phone calls in an effort to get this resolved. We get nothing but the runaround every time we call. 

An individual who works for another bank and whose opinion we highly regard, strongly encouraged us to post this on social media as all other efforts have failed. 

We seriously detest having to do business in this manner and publicly fight fire with fire. We have simply done everything we possibly can to resolve this in a common courtesy manner ... with zero results. We have also filed a complaint with the FDIC, as of today. 

Bank of America, we are extremely disappointed. This action of yours is highly unscrupulous and unprofessional. We have been a loyal customer for more than 25 years.

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 09/14/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am having trouble with bank of America about a house I bought in texas. They continue to stall or not communicate with me or my realtor. This has been the problem for 18 months. I have filed a complaint ... # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (I do not know) with ESCALLATE, LLC (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: What best describes my issue is that this company continues to report an account to my credit report that they no longer hold or have any rights to collect on. ( {$250.00} XXXX of XXXX ) They have stated that the account is not in their hands and they have no control over what happens to an account once it is no longer in their hands. Yet they continue to report the debt on my report as if they are the current creditor. If what they are saying is true ( as referenced in complaint/case number XXXX ) then why are they still listing themselves as the creditor and reporting to the bureaus. Also, the letter I received from the so-called new company, XXXX XXXX XXXX XXXX looks awfully identical to letters that Escallate uses. I found out from a government agency that EscallateXXXX are either affiliated/sister collection agencies or are the exact same agency using different names and possibly switch between each other to trick the consumer into thinking the debt is now with a new/different company. This complaint is specifically directed at Escallate. I have also contacted the Original Creditor and was told the account is still with Escallate, which again confirms deceptive representation and collection practices. So, I am requesting Escallate provide the date the account for {$250.00} was removed from them. The date and any additional info regarding when this debt was transferred or sold or otherwise removed from their care and when they no longer became the Creditor for this account that they state is out of their hands ( again refer to response in case # 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 02-02-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have XXXX hard inquires with equifax that does not belongs to me i have tried to contact equifax but they keep giving me the run around about these inquires the inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This is a complaint against AMERICAN EXPRESS, TWO INQUIRIES. DATE : XX/XX/XXXX and also XX/XX/XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2018 about Mortgage (Conventional home mortgage) with Finance of America Mortgage LLC (NJ).
Issue: Trouble during payment process

Complaint: My original lender, Finance of America, advised my that my first payment for my mortgage was due on XXXX XXXX, 2017. They then sold my loan to XXXX who advised me 6 months later that my first payment should have been XXXX XXXX, 2017 and that I was behind in monthly payments. My original complaint # XXXX was against XXXX and this complaint is related to that previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: I received two letters from Chase : 1. After recent review of your accounts, we have decided to end our relationship with you. 2. We 're writing to let you know that we will be closing your credit card account on XXXX XXXX, 2016 because continuing the relationship creates possible reputational risk to our company. Upon calling the XXXX number listed, I was unable to find out the reason for the review or for deciding to close my accounts or credit card. No information could be given. I have no bounced checks, the is no inactivity, there is plenty of money in the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello my name is XXXX XXXX, I have disputed a false collection account with all XXXX credit bureaus. XXXX still has n't removed it. the account is from TRIDENT ASSET MANAGE .I am in the process of a home purchase and can not move a long in the process. I have attached a fraud affidavit i filled out. my phone number is XXXX. email address XXXXXXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2017 about Debt collection (Auto debt) with SRA Associates, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: SRA associates started to collect on a debt I am not aware of. I asked them to validate the debt but failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (I do not know) with Oracle Financial Group LLC. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Call to my mother sent to me. Wanted name and social security number and threatened possible summons but need not specify reasoning. Left a case number and telephone number 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 non-monetary relief
Consumer complaint received 01/28/2018 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX ; I advised my mortgage company. that I was reviewing my XX/XX/XXXX escrow account online and advised them that they did not have my new insurance rate for the year. They had updated tax rate and even showed what my new payment would be starting XX/XX/XXXX and I was the one advising them of the new insurance rate. 
When I was transferred to the tax dept. and the new rate was put in which Went from {$680.00} per year to {$720.00} per year ; which is only a {$41.00} difference ; the new escrow was refigured and instead of charging me an increase in escrow of {$41.00} ; they were calculating a {$89.00} yearly increase. I asked why and they said that is to take care of projected increase for XX/XX/XXXX. 
I was tired of trying to explain that we are dealing with XX/XX/XXXX escrow and not XX/XX/XXXX. 
I have had problems in the past with this bank as they do not keep up with the tax and insurance information. 
They are very hard to communicate with as their employees have very little English skills. 
Please advise how I can get this corrected. 
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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: 2 credit card are liste d on my credit report that I never opened or used.   XXXX   XXXX  . opened on    XXXX   XXXX   XXXX   balance {$310.00}.    XXXX   XXXX  opened   XXXX   XXXX     balance of {$12000.00}. neither of these accounts are mine.

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 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My daughter got a student loan through XXXX XXXX ( we cosigned ) for a training program and we had been paying on it regularly until we were forced to file bankruptcy in XXXX. We knew federal student loans werent dischargeable and expected to resume payments after the bankruptcy. When we emerged from chapter XXXX in XXXX of this year, we suddenly started receiving bills from Navient on the balance, along with a bill for the {$1200.00} in interest they had put on my loan during the time I wasnt even able to make payments. I had taken my loan out through XXXX XXXX, not Navient, so I requested loan documents to verify the loan was mine. They began to call and give me a hard time and them finally got loan documents to me three months later. Im familiar with enough scams that I dont just start paying people who call me who I dont know and demand payment. By the time I received verification, three months had passed and they began harassing me for the loan payment, which had increased, along with the payments in arrears because they took so long to verify the loan was mine. They then sent me letters offering to work with me to help me pay the loan, but then denied me every option. They declined an interest reduction, extending the loan to lower the payments, and a couple of others. They claimed that the loan was due by XXXX XXXX and they couldnt ( more like wouldnt ) extend it. I have now received a 30 and 60 day notice on my credit and they keep threatening me with default if I dont pay up. I am XXXX and have a variable monthly income. I explained this to them and they dont care and simply demand payment. I dont wish to default but they may leave me no option. Additionally, when they call, they demand my birth date and social security number to " verify '' I am who I say I am. I always decline and remind them that only an idiot would give out information a scammer would want when some stranger calls on the phone. They usually get XXXX and hang up. I also have an app on my phone that allows me to record phone calls. Twice now I have informed them at the beginning of the call that I will be recording the call, and they have become very irate, demanding I dont record. I find this amusing since they inform callers they record calls on their end for quality assurance. I 'm not sure why they would care if I record the call unless they wanted to edit the calls themselves. Seems sketchy. They also use a random number generator that gives a random location and number every time they call. Thats a scammer tactic. I 'd like to resolve this and not further damage my credit, but they are intransigent. If you can help I would be grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: I opened my home loan in  XX/XX/XXXX , and it has been sold twice since then. The most recent owner of my home lone is DiTech Financial. Since Ditech took over my loan, they have LOST my payments TWICE and had to go deep into their system to retrieve my money.
NOW they have a new scam - they have diverted a portion of my payment to an " escrow '' account. I have NEVER made escrow payments through Ditech. I manage my property tax and insurance ON MY OWN and therefore have NEVER needed an escrow account on my mortgage. This is a NEW SCAM orchestrated by Ditech to steal money from me each month, hoping that I would not notice.
The illegal charge was made on my most recent payment on  XX/XX/XXXX , with an amount of {$100.00} being funneled into their backchannel " escrow '' account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 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: Account information incorrect

Complaint: I have sent you a written request to validate my debt having with   XXXX   XXXX   company and received a letter in the mail with an account number and the collection name but not a signed contract or any form of verification linking me to this account via contract. What is even more concerning is that after careful review of this account, the account is listed, not once but TWICE! After reaching out to the collection company, they refused to remove the accounts and informed me that they do not have to verify the debt because they are not the original creditor. Now, I am attempting to resolve this matter with the Equifax to resolve this unlawful practice that is negatively effecting my borrowing potential and credit worthiness. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. I hereby notify that you are now in violation of the FDCPA and subject to a fine of {$1000.00}. I would love to resolve this issue without getting other parties involved and restore my trust in your credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Settlement process and costs

Complaint: In XX/XX/XXXX my client, the buyer, had entered into a real estate contract, with a seller, that was a short sale transaction with Nationstar mortgage. The deadline to complete the transaction was XX/XX/XXXX. We were not able to reach the deadline but, the agent, that represented the seller, later informed me that the short sale negotiator was extending the date in order to complete the transaction. This resulted in the need of a new payoff because we were now entering a new month by XXXX. So we set a settlement date to close on XX/XX/XXXX. But, on Friday, XX/XX/XXXX, all parties were notified that the seller 's house a been sold to an investor on the auction block. This left my buyer XXXX with no explanation. The seller 's agent talked to the trustee for Nationstar to see if they would rescind the offer with the investor, but they refused. Prior to this foreclosure sale, no parties were notified. ( Seller, HOA, Title company or Seller 's agent ). My client and I are seeking assistance to receive a clear explanation on how something of this nature could occur. Please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (MD).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Made a payment with a telephone customer service rep, who could not resolve the access problem I was having with the online account. She could not understand why the online account was still locked after she made a password change. ACH payment was taken on  XX/XX/XXXX  and subsequently rejected for insufficient funds on  XX/XX/XXXX . Target did not resubmit to the bank for second attempt at payment and held the pending payment until  XX/XX/XXXX  before cancelling payment and charging account for late and returned check fees. Calls to and from Target card services, CS reps could not give any details as to what happened and why. My bank stated that ACH was submitted only once.
Apparently, this is a Target policy to collect more fees from customers by only submitting an ACH once.
 XXXX  complaint only got a response from Target that said to call   XXXX   number which can only get to a live person after about 10-15 different attempts at getting out of voice jail. Attempt to get to a supervisor was not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MT).
Issue: Account opening, closing, or management

Complaint: I recently opened a Wells Fargo account so that I could deposit money for rent, after a short time, my wife and I decided to use a joint account through another service. I emailed Wells Fargo and asked them to close various accounts, a few days later, I noticed I was still receiving alerts from them in the mail. I checked my account and saw that I had an outstanding balance in their credit card service. I called and asked that this situation be resolved, which I assumed it was. I then saw further notifications, and again emailed them, and was told I did n't request to close ALL of my accounts. I called again, and went through various channels, and was told that someone did not properly close my credit card account as promised, but after 50 minutes on the phone, was assured this would be fixed. 

To my dismay, this issue has still not been resolved, and I still have a credit account with Wells Fargo that shows an outstanding balance.

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 09/18/2017 about Money transfer, virtual currency, or money service (Foreign currency exchange) with PAYPAL HOLDINGS INC. (CA).
Issue: Confusing or misleading advertising or marketing

Complaint: I bought a computer on XXXX, and paid through paypal because that was the only option, that was sold from XXXX. Paypal receipt # XXXX, and XXXX item # XXXX. It cost me CAD {$190.00}, and their website shows that to translate to USD {$160.00}. I used a credit card to buy it, and  was charged {$160.00} because they charged me in USD, then exchanged it to CAD at a low rate of {$1.00} CAD/ {$1.00} USD. The price shown multiple times in the checkout for was USD {$160.00}, or CAD {$190.00}. I did not agree to use their exchange rate, and the principle of the overcharge really bothers me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX put me in collections after they agreed to cancel my contract because of bad service in the XXXX Fl area and it is now appearing on my credit report XXXX years after the issue was resolved.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law, which went onto effect XXXX XXXX, 2017, any public record data must include name and address as well as SSN and DOB in order for it to appear on my credit file. As seen from my attachments, the credit bureaus have not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am receiving 4-5 phone calls a day which includes phone messages 2-3 times a day.

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 04/24/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Credit determination

Complaint: USAA Savings Bank, XXXX XXXX XXXX, XXXX XXXX, NV XXXX sent me an application for A XXXX USAA credit card. I filled out the information that they requested and mailed it back to them. On XXXX XXXX, 2016 I received a decision to decline my application which was purely pretext and false in XXXX of the reasons they used to decline my application including the credit score they listed. I believe I was declined because of my age and not the reasons that they listed.

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