milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-09-2018 about Debt collection (Other debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: Hello, I am the Sole and only beneficiary of an XX/XX/XXXX irrevocable court crated trust for an incapacitated minor, created with funds awarded from settlement / finial judgment in Case XXXX in the XXXX Judicial XXXX XXXX XXXX XXXX XXXX XXXX Texas in XX/XX/XXXX. 

In XX/XX/XXXX ( XX/XX/XXXX ) XXXX XXXX/ Bank of America was court appointed sole trustee of a court crated incapacitated minor irrevocable trust. XXXX XXXX/ Bank of America Sole Trustee received specific trust investment options ( stocks, annuities, mutual funds etc ) to invest irrevocable trust funds. XXXX XXXX Bank of America used trust funds to secure XXXX XXXX Bank of America Life Insurance Policies as trust assets in XX/XX/XXXX. 

In XX/XX/XXXX XXXX XXXX/ Bank of America started placing loans against the irrevocable trust/ trust asset ( s ) to send care distributions for the incapacitated minors care, not sending care distributions from trusts net income and principal per the trust terms/ trust distributions guidelines. 

More than XXXX years later ( XXXX years ) XXXX XXXX Bank of America sales the irrevocable trust asset ( s ) belonging to the incapacitated minor to XXXX XXXX XXXX XXXX XXXX , with current debt on the asset ( s ). In XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX communicates to the sole and only beneficiary of the trust / trust asset ( s ) that he has ordinary income of {$690000.00} to be reported in XX/XX/XXXX to the IRS, which is the loans and loan interest placed on the irrevocable trust starting in XX/XX/XXXX. 

* Irrevocable court crated trust for incapacitated minor with specific distribution terms, from net income and principal ( if income is insufficient ) were violated/ not followed by Sole Trustee- XXXX XXXX Bank of America . 
* The use of loans is/ was not authorized within the irrevocable court crated trust for incapacitated minor, by beneficiary or trustee. 
*Texas Property Code 142.005, which the irrevocable trust was created under specifically voids out trustee lending beneficiary property/ funds from the irrevocable court created trust. 
*Trust asset ( s ) and all income should have been paid-out to the beneficiary free of the irrevocable trust upon termination in XX/XX/XXXX. 
*Assets were sold to XXXX XXXX XXXX XXXX XXXX from XXXX XXXX Bank of America around XX/XX/XXXX according to an employee with XXXX XXXX XXXX XXXX XXXX XXXX 

The above information has been communicated to XXXX XXXX Bank of America for a resolution. Current day only letters of acknowledgment have been sent stating more research is required to address the identified trust matter.

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 02-06-2018 about Student loan (Private student loan) with DISCOVER BANK (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I submitted an online application for a student loan consolidation with XXXX XXXX XXXX on XX/XX/XXXX. Funds were dispersed XX/XX/XXXX to pay off various private student loans. The total amount was {$69000.00}. PRIOR to disbursement of the funds, I was not provided a promissory note, nor was I made aware of the terms of the note, including the interest rate, the manner in which payments would be applied and/or any default terms. In XX/XX/XXXX, Discover Student Loans purchased my loan. 

Around 4-5 years ago, I was curious about how much I had paid on this note and what I had left to pay. I was shocked to discover that of over $ 50K in payments, less than {$2000.00} went towards principal. I started to look into information like where they got the interest rate from, terms of re-payment, etc. I asked repeatedly for a signed promissory note that detailed these items out. They repeatedly told me that they got the interest rate from the promissory note. 

They sent me the application I submitted through XXXX and a generic promissory note that did not have my loan number on it, my name on it, and was dated a full two months prior to me having applied for the loan in the first place. Over the past 12 years, I have paid {$68000.00} towards this note. I was continually threatened with them " charging off '' the loan, even though they lacked the terms and conditions in a promissory note that would result in a charge off! The continually threatened to default me, even though all I ever asked for was proof that they had the authority to charge the interest rate they were charging and evidence of any type of authority to apply payments as they have. 

I have been exceedingly patient with these people. I have asked repeatedly for documentation regarding the proof or evidence that allows for what they are charging me and I am convinced that they do not have it, and that they are aware that they do not have it. 

I was informed today that my loan " charged off '', whatever that means. I believe that any negative reporting to the credit bureaus without indicating that this debt is disputed is a violation of the Fair Credit Reporting Act. I believe that XXXX and Discover both charging the interest that they have and applying payments without the proper authority in a signed promissory note violated the fair debt collection practices act. I sent Discover a demand for settlement XX/XX/XXXX. That settlement demand was denied, but they never gave me the courtesy of a reply to inform me of that. I learned that today while calling to check the status of things. The again informed me today that the interest rate was set by the promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX , Experian and  XXXX   XXXX  are ignoring my numerous requests to investigate and remove accounts from my credit reports that 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 02-08-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CT).
Issue: Managing the loan or lease

Complaint: Ally Auto Loan company kept charging me late fees on a payment that was made on XXXX XXXX, 2015. I contacted them around 7 times and contacted the bank so they can provide a proof of missing payment. They kept saying they did not receive payment nor documentation. Then they said the fax number given to me was incorrect. I previously mailed the proof but they claimed that they did not receive that either. Last phone call they gave me a new fax number which did not even match to the previous faxed number they gave me. Also, They continued to charge fees on a payment which was paid my end and cleared by the bank. I have all the documentations necessary about my payments on my online account with the images of the checks written. However they claimed that they have no documentation from me or the bank.

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 05-03-2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (WA).
Issue: Other transaction issues

Complaint: I made a purchase through Paypal invoice for a tangible goods. According to the buyer agreement I signed with Paypal I am to be protected in the event the item is not received. I sent {$600.00} to a person in another country and was to receive goods in exchange. The seller provided tracking information for the item being shipped which shows the item never made it to XXXX, let alone delivered to my address. The seller also confirmed that the shipping courier ( XXXX ) acknowledged that the item was lost. The seller paid for insurance to be covered in the case of loss or damage and has subsequently filed a claim with XXXX for an ammount equal to the {$600.00} purchase price. As a buyer through Paypal, who 's user agreement states I am protected in the case of non-receipt, I filed a dispute to get my money returned ( {$600.00} ). After investigation the dispute was eventually closed in favor of the seller citing " proof of delivery '' was provided by the seller, therefore allowing the seller to keep the {$600.00}, and the insurance claim refund, all the while I am without the agreed upon goods - Clearly going against the rules of buyer protection as explained by paypal ( item not received ). I called paypal after learning of the dispute result only to be told that international law can supersede the paypal buyer agreement because international seller agreements vary country to country, something that is not explained in the user agreement I had signed with paypal. It boldly states " Protection for Buyers- Types of Problems Covered. PayPal Purchase Protection ( also known as PayPal Buyer Protection ) helps you if you encounter either of these problems : You did not receive the item you paid for with PayPal - " Item Not Received '' ( INR ) ''. Why they decided to side with the seller is beyond me and goes against the agreed upon signed user agreement, which includes quoted buyer protection. Now, I am without {$600.00}, without the purchased goods, without any recourse to reclaim lost funds and the seller keeps the {$600.00} and collects {$600.00} from the XXXX insurance claim. The trust I placed with paypal has been abused and has cost me to loose a subsequent amount of money that should have been protected per our agreement. Currently the dispute is in the appeal process but I was assured that the decision will not change and I will not be reimbursed for the lost {$600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: XXXX compromised my personal identity without my permission. They did n't inform me of it for months, then wanted to charge me to protect my credit. Since there are three major credit agencies, I will get charged at all three of the agencies to freeze my credit information. I am not a customer of any of these agencies, and I do n't want to become a customer. I have a problem with paying for these agencies to protect information I do n't want them to have to begin with and information that they should be protecting as part of there business. 

I would like these agencies to freeze credit records by default and not try to extort money to protect a persons ' credit records. 

Now take this complaint and multiply by millions to get an idea about how furious all us regular people are!

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 10-11-2017 about Debt collection (Credit card debt) with Data Search NY, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX county court issued judgment to me for hearing at court to collect debt, I told this company I would settle this debt for {$200.00} or {$300.00} what the card is worth because they where abusing late fees, I have tried calling them repeatedly and the law office and creditor and collection agency wo n't return calls to settle this account. they are trying to ignore it so they can get the judgement on my credit, I told them if they do n't return my call I will file complaint with CFPB. So I'am trying to see if you can put buzz in there ear to call me back, because they have never sent me anything stating they would take legal action so trying to save everyone time from having to go to court for a {$300.00} credit card, you helped me the past with XXXX XXXX with there excess late fees and was very thankful to you for your help hope you can help in this matter to.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received one phone call and one letter from Convergent Outsourcing , Inc, claiming to be a collection agency on behalf of XXXX, a cable company, seeking to collect a balance owed. 

I have never done business with XXXX, and a visit to their website shows they do not even offer service in my area. 

I will be sending a Request for Validation of Debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, but all communications stink of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (I do not know) with Financial Management Solutions (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I 'm going thru identity theif this is not me their    XXXX   more than this and it 's really affecting my lively Hood i w as living in my own home at the time this any a few more debts were put in my name is their a way we can fix this asap plz hard working mother of  XXXX  need fix this quick

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech Financial LLC f/k/a Greentree services my XXXX mortgage. 
During XXXX we have paid Ditech {$35000.00} in payments that they have neither credited to our account nor refunded to me. 
We have sent them multiple letters requesting an accounting or refund of these amounts and have received letters saying they are " looking into it '', but no resolution to date. 
These payments were made beginning XXXX XXXX, XXXX, so they have been holding, and presumably diverted, my funds for at least 8 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted Transunion  XXXX / XXXX /  XXXX   about unauthorized inquiries on my credit and mentioned the early exclusion to have it removed from my account. I was told I could not dispute it or use the early exclusion on my hard inquires that I never authorized, when I have done so before.  XXXX   XXXX  out of  XXXX  could n't give a reason why and never answered my questions directly.  XXXX   XXXX  the supervisor also was very rude and could n't give me direct answer and also refused to give me the number to the supervisor in the United States so I could get my questioned and and possibly resolved, because it seem like they were avoiding the answers to my questions.

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 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I paid XXXX XXXX a settlement on XXXX/XXXX/2017 of {$500.00} the have not reported this to all XXXX credit bureaus.

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 10-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Using a debit or ATM card

Complaint: I had gone to XXXX XXXX to buy sofas. The woman at XXXX XXXX had made an error in an ottoman and had cancelled one part of the purchase and billed us again. Bank of America has flagged it as fraudulent and we agreed, not recognizing the charge. Our debit card was called and the funds for the sofas were held in limbo, the bank saying that it had gone through but then XXXX XXXX saying they had not gone through. XXXX XXXX then wanting us to charge our card again. Finally we cancelled the purchase but while waiting for he XXXX to be credited back to our account, our account was in the negative and we had XXXX overdraft fees. This was complicated by XXXX charging us for a move and then canceling their charge. We thought then we had more effective funds and they charged us again.

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 02/22/2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Trouble during payment process

Complaint: - Our loan was originated with BOA in XXXX. During the mortgage crisis in XXXX and requested and were granted a loan modification which reduced our interest rate to a market rate - this was in place for 5 years. 
- BOA placed insurance on our property in 

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 09/27/2016 about Debt collection (Payday loan) with Centric Asset Management Inc (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Centric Asset Management has called my personal cell phone from the phone number XXXX XXXX XXXX XXXX XXXX XXXX or five times with a live person on the phone, and once with a robo-call. The live phone calls indicate that they allege I owe a " payday '' loan, which I never applied for nor received. They indicate that they have " authorization '' of some sort from a bank that I already made payments and therefore admit I owe the debt. They have my personal bank account number and other personal information, including the names of my sister and mother. I have asked them multiple times for substantiation of the debt, and they always refuse. The robo-call on XXXX XXXX, 2016 indicated that they were threatening to debit my personal bank account if I did not otherwise make arrangements. 

I did not and do not owe this debt. I do not know how this company has my information, but they will not substantiate the debt. They do not tell me they are debt collectors when they call me. They argue with me about the debt. They have called me multiple times during one day. I believe they are violating the Fair Debt Collection Practices Act if they are an actual company. Otherwise I think they are just a scam company.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A court judgment was reported incorrectly on my credit report. I was list as the defendant whereas I was actually the plaintiff and it was also listed that the judgment was against me whereas it was for me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Wrote Experian a letter, and mailed it on XXXX XXXX, and advised Experian that I am a victim of XXXX & Experian security breach. Advised, Experian to delete the following inquiries that are an result of the breach. Have not received any correspondence from Experian. The following inquiries are part of the breach, which I requested deleted are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 11-09-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My student loans have always been in Deferment and Forbearance due to my situation at the time. Anytime I took on the deferment or forbearance the creditor re-aged the account and back dated the deferment or forbearance however on my credit report there is some inconsistency. XXXX XXXX XXXX shows I have missed XXXX payments open in XXXX 2007 on XXXX account and XXXX payments on the additional account opened XXXX 2007. The information is reported incorrectly.

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