milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: Dear Bank Of America I need your assistance. In XX/XX/2013 the loan was modified. I have been provided a tax document that is unclear to me. 

In XX/XX/2013 my BOA Rep stated the amount that was forgiven included all negative escrow except for the deferred amount. As well as I am starting at a zero negative escrow - what date do you have of zero escrow starting date? not including deferred amount XXXX my question is based on tax document How much of the money I paid went to property tax? if none why not? as my rep stated my payments would be applied as follow principle interest tax based on new payment structure I have requested clarity from prior new servicer XXXX and current servicer XXXX neither have an answer The payments on tax document appear to have went to interest only for the four payments made why? 

At what date was the amount of escrow at zero from modification? ( except the deferred amount ) My representative confirmed funds would not go only to interest and disappear - as this was part of my concern with modification process. 

As I set in study groups and heard this story from other home owners. 
my funds were improperly applied and none went to principle and or tax as state by BOA. 

My funds paid match exactly the breakdown of payments principle interest tax

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 12-08-2015 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (MO).
Issue: Managing the loan or lease

Complaint: I called 5th 3rd bank to see if I was included in the Auto Lending Enforcement. I was told that this is only for the state of Ohio and I was n't included in the suit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (I do not know) with National Arbitration Forum (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: they are calling asking for someone who does not live here..have asked them to stop calling but they continue to call

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (Medical) with Rash Curtis and Associates (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I sent Rash Curtis & Associates a letter by certified mail return receipt that they received on XXXX XXXX, 2014 requesting that they cease and desist any and all collection activities on a medical debt that they have failed to properly validate. 

Despite this, they continue to call my cell phone ( which costs me money ) repeatedly. 

I am concerned about retaliatory conduct on their part because I have requested them to comply with the law including HIPAA, FCRA, and FDPCA which they apparently continue to ignore and not comply with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Using a debit or ATM card

Complaint: My debit card information was somehow stolen around XX/XX/2016 and someone was able to spend {$460.00} from my account over that weekend. Bank of America 's automated system contacted me on Sunday about unusual activity on the account so I checked my transactions and noted several purchases pending that I did not make. A claim was opened and within XXXX weeks bank of america concluded their investigation and determined that the charges were valid. I do n't know how bank of america made this determination but it is completely incorrect. I am a victim of fraud and I did not make those purchases. To add insult to injury I lost my job and that direct deposit that the fraud was taken from was to be utilized to pay my rent and a couple of other expenses. I have never actually had fraud successfully happen to me due to the bank catching it ahead of time. This time the bank was n't successful and I am disgusted with bank of america 's so called fraud process, decision and their company as a whole.

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 08-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I applied online for a car loan and was directed to a website listed below that stated I had to submit my information for a credit check. The website was recognizable as Transunion, so I believed it to be reputable. However, after entering my credit card information ( which appeared to be required to prove identity ) no information or indication was made that I was signing up for a monthly service of $ XXXX. My card was then charged {$1.00} which I was also not made aware of and subsequently 7 days later another charge for {$17.00}. While the service itself may not be a scam, the fashion of non-disclosure that I was " purchasing '' or " being charged for a transaction '' was the scam. It may have had an agreement in fine-print, but no where was it clearly indicated that I was signing up or authorizing a purchase for a specific amount. This is a predatory attempt to make money ( like a bait and switch game ) from those attempting to simply apply for a loan. I attempted to contact the company to dispute the charges, but they stated they would not remove me from this re-occurring service. I am therefore reporting this as fraud. 
Here is the website and contact information : XXXX XXXX XXXX is the website for the car loans that directed me to that website : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2016 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2016 there was fraudulent activity on my Checking Account which is through US Bank. There were XXXX US Bank ATM withdrawals ( XXXX in XXXX XXXX, XXXX for {$500.00} and XXXX in XXXX for {$500.00} ). I went into a US Bank location and filed a claim for the {$500.00} withdrawal. I was told to wait to file the 2nd claim as the {$500.00} was listed as pending and perhaps would not clear. When it did clear, I called the US Bank Fraud Department on XXXX XXXX, 2016 and entered a claim. I was told in XXXX instances that if the claim was still pending/being investigated within 10 business days, they would release provisional funds to my account. They released the provisional funds for the first claim. When XXXX weeks went by and I had still not received the provisional funds for the 2nd claim, I called the Fraud Dept and was told they had no open claim on my account. US Bank was supposed to send me a claim to sign and return ( which I was not aware of ) and they never did. I then entered a claim again and had them email me the claim to sign. Within 2 days I had it signed and faxed to the Fraud Department by a personal banker at a US Bank branch. Last Friday, XXXX XXXX, 2016, I noticed the funds had still not been returned and it was over 10 business days. I called the Fraud Dept and after 45 minutes on the phone with XXXX different individuals it was concluded that I had no claim and they never received the signed claim. I have the Fax verification from US Bank Branch that the claim was sent and received by the Fraud Dept. I then went into A US Bank Branch and spoke with the Assistant Branch Manager and had her refax the claim I signed along with the Fax verification from XXXX XXXX, 2016. She then called the Fraud Department to verify they had received it and was informed they would n't know until the next day. She inquired about my claim, and this time was told I did indeed still have a claim, but that they now have 30 business days to determine whether or not to return my money and that I would not receive provisional funds because I did not return the claim signed within the allotted time. I have proof from US Bank that everything was sent in the right amount of time and that it was received. I have no other option but to file a complaint at this point because it has been over 6 weeks since fraudulent activity occurred on my account.

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 01/26/2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (SC).
Issue: Application, originator, mortgage broker

Complaint: I inquired about a refinance with Loan Depot, XXXX, CA. XXXX. inquiring about a refinance. however, I really did n't want to pay appraisal fees, or closing costs, so I told them I was n't interested. They ended up sending me about XXXX pages of paperwork, consisting of an Addendum to Loan Application, Loan Estimate, Closing Cost Details, written list of service providers, Borrower 's Certificate and Authorization, an Attorney Preference checklist, Applicant Information stating the Loan Originator and ( me ) as Borrower, my credit information, South Carolina Regulatory Agency Disclosure, Itemization of amount Financed for Truth-In-Lending, Disclosure Notice, and several other documents. This looks to me like a REAL CONTRACT. I live in a townhome that I bought 2 years ago, and my lender was XXXX XXXX, which has switched over to XXXX I NEVER TOLD THE LOAN DEPOT THAT I WANTED A LOAN. I AM COMPLAINING AS I DO N'T OR NEVER DID WANT THIS LOAN, and have no intention of signing any of these documents. How can this company spend all this time and paperwork and postage on an inquiry??? They have wasted their time and now my time. How do people find out about a refinance if they do n't call and inquire. I thought it might save me money as interest rates had dropped, but it does n't so of course, I am not interested. I finally found their phone number, which is XXXX. XXXX XXXX, AKA XXXX XXXX which is the name this loan is under. They also have a loan number which is XXXX, my email is XXXXXXXXXXXX or you can call me at XXXX, as I did not apply for this loan, what is going on?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Portfolio Recovery had the audacity to call XXXX at XXXX after they responded % your bureau and we disputed their response as their name continues to appear on the caller id that appears on screen and they leave no msg/you should have this on record/

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Money transfer, virtual currency, or money service (Foreign currency exchange) with WESTERN UNION COMPANY, THE ().
Issue: Fraud or scam

Complaint: I have a complaint about someone selling my identity to collect money and now is making me falsely accused and I want to clear my name. I am taking care of a young lady kids that is away working and the other day when she went to send the kids money to me they told her that I am on a scam list. Now I don't know how I'm suppose to be on a scam list when I don't even collect money often. The lady 's kids I take care of she only sends money every two weeks to buy food and send her kids to school. Apart from her my dad sends me money only once a year which is XX/XX/XXXX and also my baby father which is once in awhile. So please I'm asking you if you could investigate about this and make my name be cleared from this absurd foolishness please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I repeatly tried to speak to someone about increase in interest rates. Was treated rudely on the phone with no answer to my questions. I was told repeatly that I did not qualify for loan forgiveness even though I am a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: a derogatory payoff report for a debt owed to  XXXX   XXXX  reported by  XXXX   XXXX  is on my credit report but it is a debt incurred and paid off by my father for a service he signed up for at his address in Fla. I have nothing to do with this debt but because we share the same name it has somehow ended up on my report but the credit reporting agency listing it has refused to remove it from my 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 11-08-2016 about Debt collection (Payday loan) with Enova International, Inc. (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Received XXXX call so far before XXXX. XXXX of them were before XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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: In late XX/XX/XXXX I noticed several questionable items on my Transunion credit report and was uncertain of several of the accounts validity. I promptly filed an initial fraud alert with the 3 major credit bureaus and sent my first notarized and certified dispute letter via mail to Transunion dated XX/XX/XXXX including 2 forms of identification. Included in the letter was my request for physical proof/verification for the accounts listed per section 609 of FCRA. I specified in this initial request I would not accept a generic response such as " account verified '' as a reasonable response. I received a " dispute outcome letter '' dated XX/XX/XXXX which included my dispute results and advised which accounts were deleted, which accounts were updated, and which accounts were verified. I did not receive any documents that I requested from Transunion regarding the verified and updated accounts leaving me to believe the company blatantly disregarded my request or used a 3rd party system to verify instead of contacting the original creditors. I contacted Transunion at XXXX  cst XX/XX/XXXX via telephone and requested a U.S agent but none were available. I spoke with rep named XXXX who did not have an id or reference number I can include. After the rep could not provide a decisive answer to my request for method of verification even after I cited section 611 of FCRA I requested to be transferred to supervisor. I was then transferred to supervisor XXXX XXXX. I asked XXXX XXXX  to provide me with the name of the original creditor, the address and phone number of the original creditor, the name of the person at the credit reporting agency who verified the dispute with the original creditor and the documentation that was used to verify the dispute. XXXX XXXX advised me the Credit Reporting agencies are not required to keep any documentation on file and all verification is done electronically. XXXX XXXX stated 4-5 times data furnishers are not required to submit physical copies to the bureaus at any time and after being asked repeatedly he could not provide me with method of verification but stated he would send out a letter of there dispute/verification process via mail. I advised I would be filing a complaint promptly

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 03/19/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Late fee

Complaint: In 2015 I applied for a Bloomingdale 's American Express Card and used it like 2-3 times. The last time I used it was for the purchase of a train ticket. However, that trip did n't happen so I got a partial refund of the ticket price, leaving around {$30.00} as a balance. Then I left U.S for 3 weeks and forgot about this balance since I did not use this card often ( only when I made a purchase at Bloomingdale 's ). After 4 months I got XXXX calls asking me to pay off and card balance and at that point it was $ XXXX including all late charges. And my card was closed because I missed all the payments. So I paid off the huge amount. However, another 3 months later I got XXXX calls asking me to pay additional $ XXXX late charges. It was just unacceptable! Why would they let me know earlier and why would there be additional charges after my card was closed! The worst thing is, after I negotiated with them ( they were just unfriendly and unhelpful ), I paid another {$42.00} and made sure that would the last payment I make -- it is still unreasonable to me but I 'm super busy, I do n't want to be haunted by them again, not to mention my credit history could be negatively impacted. I thought it was the end. But today, I saw another {$4.00} charge posted to that account -- I mean seriously? What are they trying to do to me!!! This is unbelievable and unacceptable!!! I disposed my card a long time ago because I thought the nightmare ended!!! I never ends!!! Bloomingdale 's American Express card is just HORRIBLE!!!!!!!!!

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX that they  confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Payday loan () with U.S. BANCORP (NY).
Issue: Applied for loan/did not receive money

Complaint: Received a call from US Bank numbers ( XXXX ), ( XXXX ) and ( XXXX ). I was told I qualified for a $ XXXX loan. They proceeded to pay off my XXXX XXXX credit card of {$1200.00} and they claimed it would bring my credit rating up. In turn I was told to then wire transfer XXXX from my credit card and in turn they would deposit the XXXX. That never happened. They soon cancelled the CC payment made to my XXXX XXXX. Today I telephone and was told to pay an extra XXXX. I am now submitting my complaint as I was scammed. 
The following individuals keep calling me from US Bank. 
XXXX XXXX and XXXX XXXX. All XXXX sounding voices and doubt that is their real names. 
XXXX, NY XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Credit card () with CITIBANK, N.A. (MD).
Issue: Billing disputes

Complaint: I applied for a credit card in XXXX with Sears at their location in XXXX XXXX, Maryland, address XXXX XXXX, XXXX, XXXX, MD XXXX. I used the card to make a small purchase because it provided a discount. The purchase left me with a balance of {$33.00} on the credit line. Because I used the credit line before the card was issued and mailed, I was not able to pay the balance right away, but ten days later I returned to the store and went through a store attendant to pay the balance on my card. I paid with {$40.00} in cash. I have recently received a statement in the mail claiming that my balance was never paid, and there is now a late charge of {$27.00} and a minimum interest charge of {$2.00} in addition to the remaining balance. In order to rectify this, I request that the Sears credit card company negate my owed balance and work with you to investigate the location. That address again is Sears, XXXX, XXXX, MD XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was XXXX at the time when this debt occurred

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My debt to income ratio is grossly incorrect. Most of the debt is mortgage debt and does n't account for rental income. With rental income included, my debt to income ratio should improve dramatically.

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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: For the past two years since XXXX 2015 I have been written to the three credit  union 's XXXX, Transunion and XXXX, in regards to XXXX XXXX XXXX, XXXX and XXXX having an account in my report. These are not my account, the debt collector 's has not been able to validate the account 's neither has the credit union. these account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I sign any legal document with my signature binding me to a contract with XXXX or XXXX XXXX XXXX. 

The credit union have been informing me I have to speak to the debt collector 's the debt collector 's tells me I have to request the deletion of my account from the credit union.

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