milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2016 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Taking out the loan or lease

Complaint: On XXXX/XXXX/XXXX my husband and I submitted a loan application to Bank of America for a car. I really did not expect to get the loan since we had a bankruptcy in XXXX, but I thought it worth a try since we have been customers with them for the last 34 years. On XXXX/XXXX/XXXX we received an email from them stating that our loan had been approved. I was ecstatic. I called BOA to find out what our next step was and was told I would receive and approval letter to take to the dealership, fill out the necessary paperwork and be on my way. We did this and spent the whole day at the dealership but left with a small car. How horrified I was to about 4-5 days later I received an email that said we were denied. How could this be! I contacted the dealership and they told us BOA would not approve the loan for the 4.79 % rate, and our paperwork had been lost, so we had to resign papers for the 6.0 % interest rate, which took our note up by a small amount. WE went in and resigned the papers and again left the dealership. But more than a week later we again began to get derogatory emails from BOA saying we were denied. We again spoke with the dealership and they told us again that they had been informed by BOA that our paperwork was again lost. So the dealership had to go through trying to find us another lender, but when someone checks your credit report it causes your score to drop, therefore, today with the dealership trying to find us another lender our credit score has taken XXXX-XXXX inquiries taking it even further down. I truly feel that BOA has done some unfair practices with this deal, and now we are again at square one with no solution in sight. As I stated before we have been with Bank of America 34 years, without any conflicts, except the bankruptcy, so I only did what I had been approved to do when we went to the dealership, and BOA Has been totally dishonest with us as well as the dealership. How can they lose information twice in a row. I am attaching with this complaint copies of most of the correspondence we received from BOA, they even went as far as asking us to send in documentation after the second application was filed only to turn around less than an hour later and send out more denial letters, which they always sent it twos.

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 06-08-2015 about Credit card () with U.S. BANCORP (IL).
Issue: Delinquent account

Complaint: U. BANK XXXX SERVICES AND COLLECTION AGENCIES KEEP SKIP TRACING XXXX XXXX REGARDUNG ACCCT # XXXX ( LAST XXXX ). XXXX AT ( XXXX ) XXXX X XXXX. THESE ARE VIOLATIONS OF TCPA AND FDCPA. AND MUST STOP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: I have challenged all XXXX credit bureau agencies, to collect the right data, there is a serious of problems that my credit bureau, continues to allow creditors to review my credit and make inquiries, without contacting me for my personal id number having Fraud Alerts activated. These inquiries, has caused some severe issues and lower my credit score tremedously. I have not authorize them to review my credit without my consent, nor was a phone call ever made to me to address the validity of the inquiry. If these features are turned on, why are they being allowed to enter my credit report and make inquiries without my permission, in addition, there are many accounts on my credit that are not sustained by said creditors, the account were not open at the time stated either, all these have been challenged and continued to be challenged, the effort is becoming endless and I have now resorted to your organization for assistance, since I was immediately helped in the past with a greater issue regarding my mortgage, and the resolution was amazing. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: customer service would not help and take care of the negative inquiries reporting to my credit report in which was caused by a glitch in trans union system. I was victim of their " inquiry issue '' and they have still yet to fix the problem which was caused by their end. 

XXXX XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Automotive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX I Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XXXX Finance XXXX Show Details XXXX Banking XXXX Show Details XXXX Finance XXXX Show Details XXXX Miscellaneous And Public Record XXXX I Show Details XXXX Oil And National Credit Cards XXXX Show Details XXXX Finance XXXX Show Details XXXX Finance XXXX Show Details XXXX Banking XXXX Show Details XXXX Automotive XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX Show Details XX/XX/XXXX Finance XX/XX/XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX Finance XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XXXX Banking

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 07/25/2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Applying for a mortgage

Complaint: This company was the servicer of this loan and then bought the company that was charged with fraudulent lending practices. I have been paying on this loan since   XX/XX/XXXX   and originally borrowed  XXXX . After 8.67 % interest rate and a daily  XXXX  per diem rate I still owe  XXXX  after 14 years. This includes paying extra which the company holds in unapplied funds. For example I just paid  XXXX  dollars and only  XXXX  dollars was applied to principal. Since this company was involved in a Class Action Lawsuit where some customers received principal reductions or {$5000.00} I just do n't understand why I 'm being treated differently for this   XXXX   XXXX   XXXX   XXXX  . I have talked to over  100 different employees and executive 's and heard what  XXXX  was quoted as holding them   responsible. Over 14 years I have contacted the BBB, The CFP B ( 3 ) times, The US Tr easury, The Comptroller of t he US, numerous free attorney ad vice, The Urban Rural Housing Division with no luck. The company upon my request sent me a history of my payments and their stealing my money every month with no end in site. Help me this time, I 'm current on this loan but I cant keep fighting this company without help. This loan was taken out on fraudulent lending practices already litigated in  Federal Court.

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 12/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NV).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XX/XX/XXXX XXXX, who we had been with over 8 years, could no longer provide us service in the area where we lived. I contacted them, filled out a form to release us from our contract, faxed it to them, and after that I did not receive any bills or correspondence. 

Now, all of a sudden, another company has reopened this debt that was forgiven and closed, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (FL).
Issue: Application, originator, mortgage broker

Complaint: I had been in talks, both over the phone and through email, with XXXX XXXX from Quicken Loans. XXXX pulled my credit without my permission or without permissible purpose. I spoke with several people in the chain of command and eventually I received an email stating that they did in fact pull my credit without permission or permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are fraudulent inquiries appeared on my report without my permission  1 .   XXXX   XXXX    XX/XX/XXXX   2.    XXXX   XXXX     XX/XX/XXXX  3.   XXXX   XXXX   XXXX    XX/XX/XXXX   4.      XXXX    XX/XX/XXXX  5.   XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX .   XXXX   XXXX    XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (ME).
Issue: Loan servicing, payments, escrow account

Complaint: I was charged a " late fee '' of {$15.00} in XXXX 2016. When I questioned them about this charge, I was informed that it was not a late fee but instead was for the following : " The charge to the account was for a Broker 's Price Opinion ( BPO ). A BPO is not the same as an appraisal. A BPO is an estimated value of a property as determined by a real estate broker or other qualified individual or firm. One of the factors used by a broker is an estimate of any of the costs associated with getting the property ready for sale and/or costs of any needed repairs. Records indicate that the BPO was ordered due to the delinquency of the account. Ditech set up this charge as an advance to be collected in a payment of {$15.00}, beginning with the XXXX 2016 due date. As of the date of this correspondence, the remaining balance of this advance is {$0.00} as the fee was collected on XXXX XXXX, 2016. We are unable to comply with your request to apply the {$15.00} to the principal balance as this was not a late fee assessment. As of today 's date, there have been no late fees assessed to the account. '' The problem here is that my account WAS NEVER DELINQUENT and any confusion here was 100 % related to them misappropriating the payments that I made to them beginning a few months earlier. Furthermore, I have NEVER been charged any late or delinquent fees, NEVER received any notices that I was late or delinquent on ANY payments and I was never in a position where they would have to prepare for foreclosure nor was I ever informed that such action was taking place! Note : I filed a complaint with the BCFP at that time and this issue was resolved to my satisfaction.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I receive wires into my account that are missing funds. The missing amount varies and there is no line item on my bank statement to account for it. I asked Citibank and they responded saying it is a valid fee due to intermediary bank fees. If it is a valid fee where is the transparency? How can I know when they will take these intermediary fees and how much they will be for? And how can I account for them when there is no line-item on my bank statement? Please show me proof of how you can literally debit money from an incoming wire with zero transparency. Where is this in my terms and conditions?

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 08-12-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I 've disputed and fought with fedloan servicing over the reporting of my accounts for the last 6 months and their record keeping and responses have been nothing but shameful. It makes me sick to think that they are in charge of so many consumers debts because they ca n't get mine right nor can they even respond with the appropriate accounts with the correct date opened etc. It 's truly a disgrace. I have disputed XXXX particular accounts with Fedloan Servicing and their first response to my XXXX page dispute sent Priority Mail was all of XXXX sentence long and just simply stated they could n't report any corrections before my credit report was reporting accurate information. How is it that I spent hours typing up this dispute and they spent {$20.00} to mail it and make sure it was received to receive a pregenerated generic response. I spent hours on the phone with customer service, I spoke to managers, and noone could understand what was going on with my loans. I sent a second letter disputing the XXXX accounts and sent my mail certified and received a response that did help me to understand the reasoning behind their decision, however, they listed XXXX accounts opened in XXXX of XXXX and only XXXX opened in XXXX of XXXX. The XXXX accounts I was disputing were both opened in XXXX of XXXX so truly their response still did n't answer my dispute/complaint in regards to the XXXX accounts opened in XXXX of XXXX. NOWWWW after reviewing my XXXX credit file, suddenly there are no longer XXXX derogatory accounts XXXX opened in XXXX of XXXX and XXXX opened in XXXX of XXXX but now as of XXXX there are XXXX derogatory accounts including a new one supposedly opened in XXXX of XXXX. Never did I have a student loan in XXXX of XXXX and I 'm confused as to where this even came from. Now I 've got to spend hours of my time to complain and tell this story and try and get a response from them that actually makes sense. Nowhere on the national student loan database nor on the Fedloan Servicing website do I show any loan opened in XXXX of XXXX. This has been an absolute nightmare and I 've put at minimum 40 hours into researching and trying to make sense of what Fedloan servicing has done with my student loans that are now preventing me from getting a home. Please see the attached documentation and try and make sense of their insanity. There were only XXXX derogatory Student Loans with them in XXXX reporting to XXXX and as soon as I start disputing and trying to make sense of their insanity, they then go and throw an extra loan with the same derogatory account history as the accounts I 've been trying to dispute. This has got to be illegal and I will not stop fighting until my credit report is correct. After 6 months and a multitude of letters being sent, this should not be an issue I 'm still having to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: On my XX/XX/XXXX Cabela 's Club XXXX card, I misread the amount due and paid {$1600.00} instead of {$1600.00}. When I received my XX/XX/XXXX statement, I was charged {$1.00} finance charge for the XXXX cents not paid on the XX/XX/XXXX bill. I called Cabela 's Club XXXX at XXXX to complain and was informed they base their finance charges on the average yearly daily balance and not on the actual amount owed and not paid. I was successful in having the {$1.00} removed, but I ca n't imagine it being legal to charge interest on monies you do not owe. When I use this card I always pay in full immediately so this caught me quite by surprise. I ca n't imagine how many persons are being charged this exorbitant amount of interest and do not realize how their interest is being calculated. In my opinion, this is a huge consumer rip off and steps should be taken to ensure fair and reasonable finance charges are in place by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Medical) with Southern Credit Recovery, Inc. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: There is no option to select for what it is I am trying to complain about. I am filing a complaint because this company is preventing me from being able to purchase a home by continuing to report inaccurate information on my XXXX credit file. I have requested that the dispute comments be removed from this account because I am no longer disputing the account and I agreed with the way the account was reporting except for the dispute verbiage. I did dispute the account but they verified the information and I agreed it was mine so there is no reason to continue to keep the account in dispute as if I am still disputing the account. The dispute has been resolved. This company stated to me that they would not remove the comment unless I paid the debt and that is illegal. They are continuing to report an account inaccurately as in dispute in order to get paid. There are guidelines in place that are set by the government that will determine whether these accounts have to be paid in order to get approved for a mortgage and it 's not right that the collection agency is taking matters into their own hands.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Billing statement

Complaint: I paid my statement balance, thinking that would avoid any interest. I was told when I spoke to a customer service rep, that the statement balance means nothing and that I need the pay the purchase balance in full on the date I make the payment, including purchased made after the statement was printed. I rely solely on the statement to determine how much I need to pay, and I try to pay the purchase balance in full to avoid interest. I do not think it is fair to charge interest on a balance that is unknown until the next statement arrives.

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 07/31/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have several accounts that are not mine that are still reporting on my credit file I have sent copies of my police report and a " notarized '' ftc id theft affidavit I have added a supplemental report from the police department outlining more specific the accounts involved

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was through XXXX. The retailer closed my account, and changed who they have do their credit. The account was paid in full before they switched companies. I have a discrepancy on my credit report. I tried calling the debt collector, and they have no account matching my name. The name of the debt collector in JH Port Debt for {$400.00}.

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 04-08-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was modified XXXX XXXX by OCWEN Loan Servicing in the amount of {$49000.00}. This amount was divided in XXXX over the next XXXX years beginning in XX/XX/XXXX making XX/XX/XXXX year XXXX, XX/XX/XXXX year XXXX and XX/XX/XXXX year XXXX. The agreement was contingent upon my not missing more than XXXX payments, I have made all payments on time or before time. In XX/XX/XXXX I receive a XXXX for {$33000.00}. I have conversed with OCWEN XXXX times When I called OCWEN XXXX XXXX the said I will receive a new XXXX for {$16000.00} as the loan modification began in XX/XX/XXXX. Not having received the new XXXX I called XXXX XXXX and spoke with XXXX # XXXX who said they ( OCWEN XXXX did n't mail me the {$16000.00} in XXXX instead it was mailed early XX/XX/XXXX therefore XXXX deduction is not available. I asked him about the modification contract I have in hand dated XXXX and that it states the modification starts in XX/XX/XXXX and that it clearly states the XXXX year being XXXX, he would not answer. I also have my XX/XX/XXXX monthly statements that show the total reduction yet he would not acknowledge ; he kept repeating the " XXXX charge '' was per IRS guidelines but would n't discuss why the contract/modification starts in XX/XX/XXXX. In good faith I held up my part of the modification by making every payment on time. Now I have to pay taxes on something I should not have to. My Account # is XXXX. I have not contacted an attorney yet.

Company response to consumer: Closed with explanation