milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/16/2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (NE).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a home through XXXX XXXX with my loan payment, taxes and insurance totaling $ XXXX/month. They sold the loan to PennyMac who a year later raised my rate t0 {$730.00}. The only explanation I received for the increase was " Escrow Analysis ''

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: Bank of America abruptly closed my account and kept my funds.I woke up XXXX XXXX XXXX 2015 only to find out my online banking access was disabled.I then traved to my nearest Atm to try to withdraw my funds only to find that my card has been blocked. I tried calling but all i got was scripted message from the CSR with no real explanation. These are terrible business practices and down right discriminatory.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We recently received a mortgage statement showing our escrow account increased by a little over {$460.00}. Which is over double what the current escrow payment amount was. We never received an analysis until we called and requested it ( which is attached ). We were previously in a bankruptcy, but were receiving other notifications from Nationstar through our attorney, such as interest rate changes due to our ARM loan. They are stating they sent one to our attorney and to us. However, this analysis is dated after the date of our bankruptcy discharge. We logged into our online account and there was also no analysis available. We called and realized that the reason for the increase was because they had not completed an analysis on our loan in years so the deficiency/shortage that is showing of over {$4500.00} is made up of years worth of items. We called Nationstar asking for previous years analysis and were transfer several times until the call was dropped after an hour of being on hold and/or transferred this happened twice. The third time after holding for almost an hour we were finally told that it is their policy that they do not preform an analysis unless the customer requests while they are in bankruptcy. There were new bankruptcy laws passed in 2011 to prevent this sort of action by lenders as well as RESPA law does not make an exception for bankruptcy loans. It just requires that the analysis be done at least annually. Due to their lack of compliance with laws we now have to figure out how to make a payment that is {$500.00} more than normal on a loan that is 12 years old and only had increase of disbursements of less than {$200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: Lexus/Toyota mistakenly sent my account to collection for {$400.00} ( for a missing key ). I returned all keys when I turned in my vehicle to Lexus dealer at end of lease on XXXX/XXXX/XXXX. Lexus then confirmed from paperwork that was sent from Lexus dealer on the day I returned the vehicle that it shows XXXX keys were returned to Lexus dealer by me so Lexus waived {$400.00} from my account. Lexus then issued a letter on XXXX/XXXX/XXXX ( as attached ) that shows XXXX balance per my request. 
I contacted Lexus the day I received a collection letter ( please see attachment ) and asked them to remove the collection since it 's invalid debt ; I have XXXX balance per last letter that Lexus sent me, and they refused to make correction of their own mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (AR).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In my case, Ive asked for proof of the debt, but Ive only received bills. The Fair Debt Collection Practice Act states ; The Fair Debt Collection Practices Act ( FDCPA ) gives you the right to ask for verification of the debt and proof that the collection agency has the right to collect the money. The law also states that by disputing the collection, the collection agency must stop trying to collect until it provides written verification of the debt. Ive made a attempts to verify and make payments on accurate accounts. But those attempts have been repeatedly denied. In the letter sent, it states that this isnt stating that the debt is owed, but advising that there is something showing on credit that needs attention. This is the 3rd attempt to ask for proof of debt with LVNV LLC. However, the company is showing listed under Resurgent? Im unclear or unsure who debt this account is listed under. This company has also made attempts to contact under multiple different numbers listing Arkansas area codes. But when researching both names the numbers are showing XXXX ( XXXX ) numbers. Im asking for proof of this debt with both companies. According to the FCRA, this is my something that I am allowed. I reviewed the statements that you submitted ; however, I am asking for proof of this contract for this account ; and proof of contract with your companies. Please also verify that you are licensed in the state of Arkansas to Collect from both agencies. IT IS HEREBY RESOLVED that the Arkansas State Board of Collection Agencies recognizes as exempt from collection agency licensure in Arkansas any entity purchases or receives an assignment of ownership of a debt that is in default at the time of assignment provided that the debt buyer : 1 ) does not attempt to collect debts directly either for itself or others ; 2 ) undertakes collection efforts solely through third-party collection agencies or law firms ; 3 ) maintains no place of business in Arkansas. This resolution is not a change in the law ; rather it is a clarification of existing law. Thank you for time as we try to get to the bottom of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo reported wrong about payments made on their equity loan for XX/XX/XXXX and XX/XX/XXXX to the XXXX credit bureaus. They processed a XX/XX/XXXX payment before they processed a XX/XX/XXXX payment. This caused a 30 day late reporting to the different credit bureaus. In addition after forcing us to turn off paper statements so that THEY CAN SAVE MONEY, they continuously publish false information on their websites for when payments are due as well as their statements ( assuming one downloads them from the website ). They did the same thing for an XX/XX/XXXX payment for the same equity line when they published both on their website and their statements that payments were due by the XX/XX/XXXX when in fact they knew or should have known that this would create a false reporting of a 30 day late payment on all of our credit reports. This has cost both my husband XXXX XXXX and Myself {$1000.00} 's of dollars in higher credit interest charges and has made it impossible to refinance our existing mortgages. We have attempted to have Wells Fargo to fix this with at least 10 X notification that they have been reporting wrong. They have the duty to post accurate information on both their statements and their website..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is reporting my balance incorrectly on my Equifax Credit Report. This error lowers my credit score and causes a denial of a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Using a debit or ATM card

Complaint: I received a message of a charge to my debit card of {$550.00} to a hotel in a place Ive never been and called the hotel, then my financial institution to dispute this. I receive these messages for every purchase I make. Since I 've made several in 4 days, I was n't too concerned with opening the statements. However, as I reviewed my statement, there were several notable charges to my card that had enevitably wiped my entite account balance out out. I subsequently made a report with the hotel chain and called my local law enforcement filing yet another report. The following day, as I had to work all night, I provided law enforcement with copies of my account statement. I inquired to the financial institution on the status of this investigation and the following day several more times. I called every merchant yo inform them the transactions were not authorized. Some I received confirmation on, one attempted and others just reluctant to help at all. My financial instituion wo n't tell me when or if I will ever see my money back. I have called several times to the point they messaged me and said if I called anymore about that issyecIbwould be blocked from calling and only left to message. I 'm out money, plans, bills being paid, gas, food and no one seems to care. No one can provide any information and even when I ask if this account is Federally insured, I get the dispute team is working on it and when they have an answer they 'll send a message! No time line no nothing and then told to quit asking! I have read reviews on this finisvisk institution and have to say there seems to be some questionable dealings going on with what they do to their customers. This, in itself, should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (TX).
Issue: Problems when you are unable to pay

Complaint: My husband and I have a car loan with BMW through XXXX. Our payment is {$500.00} a month and which we signed up for. We 've had difficulty making our payments the last few months. We asked them to refinanced it and they said we were not approved. We told them more than once that it is hard to make our payments and they have not given us any relief.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Affiliated Acceptance Corporation (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I 'm receiving a bill from a collection company Affiliated Acceptance Corporation stating an accelerated balance of {$1200.00} from {$410.00}. They are saying I need to pay nearly {$800.00} more than they originally stated I owed or this to be reported to a credit reporting agency monthly, I entered into a first 12 month contract for my granddaughter 's karate lesson. Afterwards it was to be monthly. My granddaughter was enrolled for two years when I enrolled her brother. After attending for a few months his father disappeared with grandson for six months. I informed the karate dojos of this and ask to have payments stop for him. Of course the payment continued and I never thought of this being a yearly commitment. I personally spoke with the person in charge and I understood to have payments stop. He assured me he would take care of this.Then later in the year my granddaughter decided she wanted to stop karate. Again, I thought since she was no longer attending the payment would stop. No, they did not, I file a complaint with my AG office. To find out the dojo is falsely stating that my granddaughter only recently started the lessons, and recent as a few months prior to her brother ... .that is not true. I can not see paying for something I am not using. I faithfully paid for my grandchildren attendance ... .never late. This is the tanks I get for being a good customer.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (MI).
Issue: Managing the loan or lease

Complaint: In 2008 We signed with XXXX XXXX in Michigan to have the installation of the windows in our house. Afterward, we had a lot of problems and kept calling their contractor back. In the meantime we received bills from GE Retail Bank, who said they were partners with XXXX ( we never signed with them, the contract we have is solely with XXXX ). Finally, XXXX refused to come out and fix any more problems we stopped payment. GE sold the debt and now we were sued for the debt that we never signed on. We were never aware that we were signing with GE in the first place. They claim we signed with them when we signed with XXXX. Now we have to deal with XXXX, a debt buyer in court over 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
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have spent numerous hours and disputes to try and get Transunion to correct negative accounts on my credit report that   XXXX   already has corrected. I did not have near the problem with  XXXX , that I seem to be having in getting Transunion to correct. There are accounts that are suppose to be deleted, as well as accounts that are duplicates

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 05/24/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I like to file a complaint I wrote a letter asking for proof of the Debt require and how the debt was acquired and the original creditor and under the fdcpa the bank had 30 days to respond to the debt that I owed they then have 30 days to respond to the debt that is owed the bank of America has yet to respond to the the request of proof of the debt the bank has yet to respond to to Verify or Validate the debt owed

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 07/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have ask TRANSUNION XXXX times, to provide me with a copy of the original signed credit application and signed contract to provide proper verification of the account listed below. Per FCRA sec 609 ACCOUNT : XXXX XXXX ACCOUNT 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 explanation
Consumer complaint received 11-02-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: I deposit a check payable by XXXX Bank and issued to me XXXX using a Bank of America ATM on XXXX15 to my Bank of America account. I checked my account on Saturday and it reflected no hold on my account. This morning XXXX/XXXX/15, I logged into my Bank of America account stating a hold was placed on my account and I was being notified by mail. Meanwhile I have a contractor coming to my house that I need to make a payment so he can start repairs to my home. That check I deposited is for the repairs to m home. I called Bank of America I was told the funds would not be available until XXXX/XXXX/15. I was under the understanding that banks are not allowed to hold funds for that long.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I am unable to get my credit report from any of the three companies. I can not therefore place a fraud alert on my credit file, and I have reason to believe my identity has been stolen. ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are XXXX collection accounts on my credit bureau report. All XXXX should be removed because there has been no activity in about 8 years. XXXX. XXXX. After I XXXX, I never used any credit cards or made any payments

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Debt collection (Medical) with Alliance Collection Agencies, Inc. (WI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had no knowledge of this debt. This debt is held in another person 's name-an ex-husband. I did not receive any letters or notification of this debt. I did not receive any information to verify this debt-was this debt acquired before or after our marriage. This debt is a medical debt in another person 's name that is listed on my credit report-this is a HIPPA violation. I want this debt removed 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 09-09-2015 about Consumer Loan (Vehicle loan) with BlueYield, Inc. (PA).
Issue: Shopping for a loan or lease

Complaint: I recently received a " Certificate of Savings '' from XXXX indicating an amount in red, bolded that they claimed to be " Your Monthly Savings. '' The amount represents the difference between my monthly payment and the quoted payment amount in the offer from XXXX. The majority of the " Monthly Savings '' amount is due to an extension of the term of the loan, and I believe is misleading as I attempt to compare my current payment to the one proposed by XXXX.

Company response to consumer: Closed
Consumer complaint received 06/21/2017 about Checking or savings account (Checking account) with M&T BANK CORPORATION (FL).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: The Bank M & T has cheated me out of a {$250.00} bonus offer as advertised on line. I opened a checking account and setup a direct deposit as required. The balance in the account is now over {$6000.00}! When I inquired as to when the bonus would be paid was told I am not eligible. Now they are telling me the wrong account was opened. I applied for the bank 's EZ Choice checking account.
The bank opened a Classic Checking Account with interest account.
Now, they tell me the bonus offer WILL NOT be paid. Instead, they paid me an interest payment of just {$0.00}!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I ordered a statement form ChexSystems and it says that I have a balance with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ga XXXX. Phone number XXXX. It states that a balance of {$660.00} is unpaid. My husband and I paid this off in XX/XX/XXXX. I would like to have this removed from ChexSystems. It is saying that is was reported on XX/XX/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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Using the information at https : //www.equifaxsecurity2017.com, I determined that my personal information ( including name, date of birth, address, and social security number ) was likely leaked in a recent security breach ( XX/XX/XXXX-XX/XX/XXXX ) on Equifax, Inc. 's systems. Equifax is entrusted with highly personal information by major financial institutions and millions of Americans who use credit. Their greatest responsibility is safeguarding and handling this information properly, which, as this instance demonstrates, they have clearly not upheld.
Because of Equifax 's negligence, myself and millions of other Americans will be at constant risk for identity theft for the foreseeable future, and perhaps the rest of our lives. Equifax has offered free TrustedID credit monitoring to those affected, but use of those services requires users to waive their rights to legal class action, which is truly an unfair ask in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Debt collection (Credit card) with Law Offices of Timothy E. Baxter & Associates, P.C. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I understand that I do owe for the credit card, I 'm not denying that. However, when I called a spoke with a representative from the law office and explained that i am the only one with income. I told her I was willing to pay XXXX to XXXX dollars a month. She told me that was unacceptable. Next thing I knew they went into my bank account and took all my money. I have absolutely no money, no food,, light bill is due, car insurance, and other bills that I automatically have taken out of my account. I could understand if they took some, but, they left my account with a zero balance. I guess my question is can they do that?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief