milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: A while back I signed up with Bank of America, for merchant/credit card processing. The issue is the credit card machine lease that BoA sneaks into the deal. They mention free, but it turns into a 48 month lease contact for $ XXXX for a {$300.00} machine. It was just a deceptive sale on their part. Contacted BoA sales rep regarding issue, tells me to contact first data, and to offer to buy out machine lease for less than lease term. Called first data ... and Not a chance of that working. Another example of their mis-info or understanding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-04-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Closing on a mortgage

Complaint: Ocwen Loan servicings lawyer went before a judge in NJ and lyed to the court about the documentation that they had to prove they owned the mortgage. The judge would not even listen to my case, but let Ocwen give the defendants financial documents that the defense has been asking for 6 years. The documents prove predatory lending by charging over 12 % to re-finance this loan, a year later than the other XXXX loan.No closing date, no one except notary at closing, where did we close, who closed the loan.When you read the other documents supplied by the plaintiff, they prove that XXXX XXXX illegally signed that she certified the paperwork in XXXX to assign the loan from XXXX to XXXX bank national trust bundles who just settled a XXXX XXXX dollar settlement in XXXX XXXX for misleading investors and consumers like myself and have not taken a settlement. I know that we are or were eligible for at least 7 class action lawsuits that the defendants have been associated with and we did not join.We ask for 3 x the original finance charge of XXXX for predatory lending. We also ask XXXX XXXX for pain and suffering for all the lies and suffering this illegal act has brought us. The plaintiffs had to know the mortgage papers were at the least illegal and unenforceable, yet continued to ly to the court and the defendants and only supplied the evidence when they had to.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: For the past several months there appears to be an extra charge on mortgage statement of {$32.00}. I contacted my mortgage company several times about this ( Greentree Mortgage ). And every single time I call, their representative gives me a different excuse for that charge ... i was told its a late fee ( their late fee is {$26.00} ), I was told I over paid XXXX month and because of that their system now thinks thats my new monthly payment, i was also told that years ago my previuos mortgage company did an inspection and thats what that charge is for. I even spoke to a supervisor who told me that there was an error in the billing, however all those customer service representative said to disregard that and that it would be corrected. After months of calling them and getting different answers I 'm still getting this charge and no one can correct this. I even sent an email to the company. Just on XXXX I called XXXX times got no where, XXXX person I spoke with transfer to someone else who then put me on hold while she research the account then hung up on me while I was waiting for her on hold. I feel there 's a mistake on my account and no one wants to correct it because whenever I call their customer service rep does n't understand my account, puts me on hold and then they all give me a different reason for that charge. By the way my monthly statement does not give a reason for that charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Have been attempting for several months to have these collections removed from my account that via Section 609, the bureaus can not prove are my accounts. Many of these collection agencies are not licensed and bonded to collect. These are fraudulently placed on my account and do not belong to me.

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 08/24/2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo refuses to modify the XXXX mortgage on my home that was originated as part of the first mortgage package. Wells Fargo ignored my request for lower payments for XXXX months, then " researched '' the case for four months, while turning down another modification due to the way it calculated my income. The latest communication from them claims that I was forced into the XXXX mortgages because I had an insufficient down payment and this XXXX mortgage provided the XXXX % down payment needed. In fact, on the guidance of a Wells Fargo 's agent XXXX XXXX, I put XXXX % down even though I had close to XXXX % in the bank. At the time a XXXX % down payment was considered sufficient and they now finance regular mortgages with XXXX % down, so their claim that I had insufficient down payment was false. 
The house is eligible for HARP and the XXXX mortgage was refinanced under Harp. This XXXX mortgage is not eligible because Wells Fargo owns it. I am XXXX of XXXX of homeowners who is a victim of this mortgage scam. Something needs to be done to help us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Advertising and marketing

Complaint: I got a credit card exclusively because of their double air miles for every dollar spent. I tried to book a flight from XXXX Ca. to XXXX Mo. This is a round trip of about XXXX miles. I have over XXXX air miles. So when I attempted to book the flight it said it would require XXXX air miles. I chatted in to the Capital One support and was told I had to take the cost of the flight and multiply it by XXXX! Cost of the flight was about {$510.00} x XXXX = XXXX miles. 
So they are charging me XXXX miles for a XXXX mile trip. THIS IS AN OUTRIGHT FRAUD! They need to do what they said in their promotion for this card! So Capital One is diminishing my air miles XXXX fold!

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: I had an Amerian Express card about a year ago which I cancled. A few months back I recieved an offer in the mail from American Express offering me a free year plus XXXX bonus miles if I put {$3000.00} on the card in the first 3 months. I called the phone number on the offer and spoke with the agent. She asked me specific questions and at no time did she ask me if I had an American Express in the past. She did ask me if I currently have an American Express card and I stated no. After a few more questions she ran my credit and stated that I qualified for the card and should be receiving my card in a certain number of days. I received my card in the mail and started using it immediately and put more than the $ amount on it required to receive the bonus miles. Last weak I contacted the company to find out why my balance was not showing the correct balance with the bonus points and she informed me that I did not qualify for the bonus miles because I had a card in the past. I stated that that was not ever discussed over the phone with me when applying for the offer. I spoke to a supervisor and received no help. American Express obligated themselves to giving me these bonus miles because i upheld my end of the bargain and never once disclosed any information from them. They are the ones who approved me for the card and mailed it to me to use. They never once called me to tell me I would not be receiving the offer promised. I therefor stopped using my other card that I would have been putting miles on to grow that balance just because I wanted the bonus miles from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I sent a letter to Equifax about errors being reported on my credit report there is a public record that is n't mine reporting on my credit. I recently received a letter back from Equifax stating that they had verified it. I contacted the XXXX Courthouse where the public record was filed and they sent me a letter back stating that they did n't verify any information to anyone of the XXXX credit bureaus. Equifax LIED!

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (I do not know) with FIFTH THIRD FINANCIAL CORPORATION (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My wife and I do not have ANY accounts with Fifth Third Bank. However, they keep calling our numbers despite being told multiple times in the past several months that our numbers are listed on the do not call list and are unlisted/unpublished. We have also told them multiple times to stop calling us and to remove our numbers. Obviously, they have not done this since we still get calls. Every time we get a call from them it is a live person that says they are trying to collect a debt. As mentioned, we do not have a debt with Fifth Third Bank and this is just plain harassment! We have filed a complaint with the Do Not Call registry and will be following up with the Better Business Bureau as well as the FCC to report Fifth Thirds continued harassment activities. Tonight, I spoke with someone who assured me the numbers will be removed. I informed him that I would be filing a complaint with the Do Not Call registry as well as any other applicable agencies. If this harassment does not stop we will pursue other legal action against Fifth Third. This complaint process asks for my information as the borrower but as I am not said person the contact information is skewed. This is so that my personal identifiable information is not divulged unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Vehicle loan or lease (Loan) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I was at a place of business requesting parts for my car to be ordered. At that place of business the local police had towed my car and kept my car at a tow service lot. I will leave out the reasons for this moment. If any pending legal matters. I did not find out that my car was towed and brought to a tow service yard until 27 days after it had been towed. I had called the tow service and the man had refused to speak to me on the phone. He had stated that I had to go there with a photo ID. I tried explaining to him that I had lost my wallet and had no photo ID. I then call the financing bank that I had the car loan with. They tell me that they had repossessed my car after 20 days of being at the tow service lot. What boggles my mind is how did someone find out the financing bank. Also what boggles my mind even more is that I had this car loan on Automatic Payment drafted from my checking account one per month. I was not struggling with any payments. The monthly payment was only {$270.00} a month. So I do not understand why my car was repossessed at all. My automatic payment was always sent on the same day for the same amount. I also keep full covered auto insurance. They never gave me an answer

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Mortgage (Conventional fixed mortgage) with FRANKLIN FIRST FINANCIAL, LTD (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Hi I have an account with Franklin First FinancialIn Late XXXX I Paid two months mortgage payments in advance and I was instructed that to get refunded the additional payment made in error I would have to grant them access to deduct another mortgage payment which in turns means I will be immediately refunded. 
Unfortunately the last response provided from the Mortgage company is that they owe me no funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/18/2016 about Debt collection (I do not know) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from XXXX I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
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 filed a dispute for a state tax lien on my report, the credit bureau removed the item during dispute but then turned around and put the item back on my credit report and restarted my  XXXX  year clock. The tax lien is for the  XXXX   XXXX  court in the amount of {$2000.00}. This lien has been paid and released. The dispute was filed to dispute the amount as being incorrect. My husbands tax lien public record was removed but mine was removed and then add it back. I contacted  Trans Union  to have the item investigated and all they did was redisputed it for being " too old to be on my report ''. I contacted my local  XXXX   XXXX  clerk office and they informed me that they do not report as to the credit bureau 's but that the credit bureau 's hunt this information and then add it to the consumers report. My goal is to have all of the bureau 's correctly report, or remove my public record for this tax lien.

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 11-05-2016 about Credit reporting () with Experian Information Solutions Inc. (WY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed inquiries on all XXXX of my credit reports that are not mine. I have even placed a fraud alert on my credit file and they are still reporting these inquiries which are not mine. I have called the credit reporting agencies, faxed letters, and done on line disputes and they still are reporting these inquiries in which I have not applied and the companies have no permissible purposes. Notice the inquiries which were accurate I let them know. My family went through a tornado in XXXX 2016, and have not applied for new credit, we were injured and out of work for 4 months so there was no reason to try to get new credit without being employed. Also on one of my credit reports I had XXXX ssn 's on there that were n't even mine. This needs to be corrected. The glitch in XXXX I believe may have something to do with some of these inquiries.

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 02-08-2018 about Debt collection (Other debt) with BYL Collection Services (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: On XX/XX/2018 I sent a letter to the company stating that they were Inaccurately Reporting to Credit Bureaus’ XXXX and XXXX by showing that the account was still actively "open". When the account shows open this creates a derogatory reporting every month. The reporting shows that the account was included in the BK but still shows "open"

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: I tried to consult with chase bank about reopen a checking account but they refuse to do it because they saw a certain transaction about a forge check after I gave my personal information to a person I do not know of from social media chase put my checking account on restriction and permanently end my relationship by switching banks like XXXX XXXX XXXX or XXXX or XXXX and then when I ask when it is going to clear up they do not give any answers and they do not care about former costumers coming back to chase so it will be challenging to open an account I made a huge mistake in the past but chase do not get second chances or nothing the lesson is never give someone your personal information nor password because once they hack accounts and think it is you there will cut you off like that I almost got thrown in jail but at least I filed a police report on a person who steals my identity and hack my report so yeah chase do not care about reopening accounts for the future and do not give answer which strictly NO!!!! 
What can I do to make my financial status feel protected? chase do not want my money because of fraud and I 'm trying to get another chance. What can I do? 
What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Debt collection (I do not know) with Grant Mercantile Agency (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a medical bill in which the first invoices were not received via mail, I paid subsequent invoice off in full directly to medical vendor after receiving subsequent bill. Later on I notice a collection debt from Grant mercantile agency on my credit reports for collection. I have tried to dispute this, it lingers on my credit reports for something I do not know of or owe, should n't have to pay and need help to get this removed as they are refusing to remove a XXXX dollar derogatory charge.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Checking or savings account (Checking account) with Comerica (KY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I placed a claim for fraudulent charges on my debt card for {$600.00} on XXXX/XXXX/XXXX I received a letter from my card service/bank stating that based upon our review of the information you provided as well as our internal records and your card history, we can not confirm that fraud occurred. Our investigation indicates that you entered into an agreement with the merchant, and the transaction was processed in accordance with that agreement. You may try to resolve the issue with the merchant directly. The problem I have with this is there 's over a half a dozen merchants and services that are the problem. Obviously they have done nothing to clear this up or do they intend to. They never put my provisional credit on my account either so they do n't have much insensitive I guess I did n't enter into these agreements and if they followed the money I think that is clear. I paid someone 's gas bill in XXXX and someone else 's phone bill. The charges from XXXX for what I do n't know but I assure you they did n't ship anything to me. Direct Express is totally worthless and as I 've discovered that opinion is shared by literally hundreds

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-02-2018 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (FL).
Issue: Trouble during payment process

Complaint: M & T Bank mortgage. Our home is in Florida. We received one month 's mortgage forebearance after Hurricane Irma on XX/XX/XXXX because my husband was out of work for almost a month. M & T referred us to XXXX who advised us to overpay our mortgage payments in XX/XX/XXXX and XX/XX/XXXX in order to avoid having to go on a payment plan. We did so. In XX/XX/XXXX, we realized they had applied the overpayment to the principal, not the missed payment. Called M & T was assured it was sorted out. In XX/XX/XXXX, I called M & T upon making the final portion of the missed payment to ensure all the money was directed to the missed mortgage payment. Was assured that it was. In XX/XX/XXXX, we received a {$59.00} late fee, notice of missed mortgage payment. Called again. Was refunded the {$59.00} late fee and assured AGAIN that the overpayments were applied to the missed payment. In XX/XX/XXXX, had ANOTHER {$59.00} late fee and notice of missed payment. Spent another hour on the phone with rep. It now appears to be sorted out ; however, our XXXX statement of mortgage interest for XX/XX/XXXX is understated by one mortgage payment or approximately {$800.00}. Was assured on Monday, XX/XX/XXXX that the statement would be corrected and would be available in a couple of days. Called again on XX/XX/XXXX and was told the statement hadn't even been ordered. My taxes are already with the accountant and the amount will have to be estimated now. I would like to know how to report M & T for fraudulent business practices. Misreporting mortgage interest on a federal form would seem to be a crime to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed items on my credit file with  XXXX  Credit bureau, and as a result of their investigation, it revealed they verified the items disputed to be valid. I requested the information used to validate the debts, and I have yet to receive the requested information and after a second request to resolve the dispute the response I received from the reporting agency was, " they have told me previously they validated the reporting information and will not investigate further nor will they provide me with the documentation they used to validate the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation