milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: You have helped us earlier in a related matter ( Case number : XXXX ). 
After your involvement, as well as a phone call from our Congresswoman, XXXX XXXX, Bank of america ultimately did not foreclose on my father-in law. 

However, every XX/XX/XXXX they raise his mortgage a few hundred dollars and my wife and I have to go through quite a bit of red tape to get this problem solved. My father-in-law died XX/XX/XXXX and my wife and I are in the process of selling this house and we are making the bi-monthly ( every two weeks ) payments in the mean time. 

This is all related to the previous problem of the foreclosure notices. Here are the details. 

My father-in-law has a bi-monthly mortgage he got from Countrywide. B of A subsequently acquired Countrywide -- B of A does not issue bi-monthly mortgages and their computers do not recognize them. B of A computers register the first payment of the month ( as being deficient ) and do n't register the second payment at all. This is what caused the foreclosure statements in 2013. 

B of A had no clue what was going on here -- I figured this out for them and although, with your help, they stopped the foreclosure they still have not updated their computers. As I have stated, though these are referred to a bi-monthly mortgages, the payments are actually every two weeks ( 26 payments a year not 24 ). B of A 's computers are not counting the two extra payments and every XX/XX/XXXX they say that escrow is short and raise the payments a few hundred dollars a payment -- every two weeks! 

Every year they say it 's because the taxes and insurance have gone up, which is true, the insurance goes up maybe {$20.00} and the taxes about {$50.00} but that does n't add up to an additional {$200.00} times 26 payments. 

So every year we have to go to the bank, have them get on the phone with the mortgage folks and painstaking point out to them their errors. When they finally figure out what 's going on they tell us that we will just have to come back every year to straighten things out. This year the mortgage folks passed us off to collections which is where B of A is now dealing with all of the Countrywide bi-monthly mortgages. 

When the foreclosure issue was initially resolved, I asked our branch VP how many people B of A had thrown out of there houses for this same accounting problem, she admitted " probably a lot ''. 

Please have B of A fix this issue. Better yet, put them out of business. They are not too big to fail. They are too big to conduct business in an efficient and lawful manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Received an unsolicited credit card, Chase Visa Amazon Rewards.I have been told that the Fraud Security Dept. will not contact me even though I have requested an investigation. 
Also I want a copy of the credit application as submitted so I may see if clues exist as to the identity of the criminal.Otherwise I feel this is a bad move by Chase, much like XXXX XXXX, to increase business.I have spent hours attempting to research and control the damage, since Chase Fraud Dept. will not involve itself according to the employee I spoke with. 
I currently am a Chase customer, so my thoughts are that it was a Chase promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (AZ).
Issue: Deposits and withdrawals

Complaint: I have a santander bank account -at the time of account opening -I opted for no debit card. Now when i am logged into the account and wanted to transfer money to my account in another bank - it is not letting me do that. It is asking me to enter the debit card # and PIN. As i do n't have that - i can do nothing. When called customer service they are not helping with the reason that i need to provide " debit card # and PIN ''. other option go to the branch ... i live in XXXX AZ and there is no way i can go to their branch for that. 

another issue - there is no security in their online banking ... i am inactive on that page for more than XXXX minutes -it has n't logged me out.

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 03/30/2017 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (FL).
Issue: Taking out the loan or lease

Complaint: Ally is reporting to XXXX, XXXX, and XXXX that the closed date of my account is in XX/XX/XXXX. the charge off date was in XX/XX/XXXX. The charged off account is paid. Ally continues to provide false, and misleading information to XXXX, XXXX, and XXXX regarding my account with them. I agreed to pay the disputed amount and expected accurate credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX mishandled my information which has led to a breach that puts myself and millions of others at risk. I am extremely disappointed with how XXXX has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

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 10/29/2017 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: On XX/XX/2017 I sent a certified letter to Experian asking them to investigate and verify the following two accounts ( XXXX XXXX and XXXX XXXX ) on my credit report. 

Experian sent letters back saying they were verified. I sent another certified letter on XX/XX/2017 for XXXX XXXX and XXXX XXXX, informing them that they failed to verify the accounts, asking for a re-investigation and the method of verification of both accounts. I also asked them to provide me with documents bearing my signature, showing that I have a legally binding contractual obligation to pay the creditors the exact amount claimed. I received another letter stating the same thing for XXXX XXXX and XXXX XXXX as verified. 

This is a violation of the Fair Credit Reporting Act.

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 08/15/2016 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint EXPERIAN INFORMATION SERVICES LLC has ignored my request to provide me with the documents that their company has on file that was to verify the accounts I disputed. Being that they have gone past 30 day mark and can not verify these accounts in writing under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified. that I have disputed. Please resolve this issue and matter as soon a humanly possible. Thank you so much, for your time.

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 08-01-2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I asked Equifax if I could get the same availability of email that they give the reporting agency. The credit reporting agencies use " electronic '' communication with the reporting agency, but WILL NOT use : electronic " communication '' with the person being reported on. It is not within company policy to allow that. Consumers have to use the Postal System to defend themselves and they have no idea if the information is ever received. Equifax also does no investigation, they simply " electronically '' send a dispute statement to the reporting agency, wait for their reply, and send the consumer a notice that the reporting agency reaffirms their initial report. Instead of requiring proof from the reporting agency Equifax told me to call the agency myself to straighten the matter out. I would like to see the same level of benefit between the reporting agency and the individual being reported on. My dispute took XXXX months and XXXX different case numbers ( per call ) for the same dispute to finally get resolved by ME. Equifax still had it under investigation until I called to verify the item was removed as I had correspondence from the BBB between them and the reporting agency that they would drop the action and notify the credit agencies. I asked for a credit report showing that ... another case file was opened to send me the credit report. This was removed because the collection agency was rereporting old debt that was passed the statue of limitations. Equifax was told on each phone call, but it ultimately took the BBB to resolve the issue. Equifax still would not let me " attach '' a document as you have allowed here.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Debt collection (Credit card) with CITIBANK, N.A. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX, 2016 Consumer Financial Protection Bureau Case # XXXX, XXXX XXXX Department of Insurance & Financial Services Case # XXXX Dear CFPB & DIFS : This letter is regarding above case numbers and CFPB 's press release dated : XXXX XXXX, 2016. 
CONSUMER FINANCIAL PROTECTION BUREAU ORDERS CITIBANK TO PROVIDE RELIEF TO CONSUMERS FOR ILLEGAL DEBT SALES AND COLLECTION PRACTICES " Citibank sent inaccurate information to buyers when it sold off credit card debt and it also used law firms that altered court documents, '' said CFPB Director XXXX XXXX. " Today 's action provides redress to consumers who were victimized by slipshod practices as part of our ongoing work to fight abuses in the debt collection market. '' Will you please take a look at above case numbers! You will see that Citibank , N.A . via XXXX , XXXX XXXX XXXX of XXXX, XXXX as well as XXXX , XXXX XXXX XXXX of XXXX, XXXX did the same thing in above case number! We have yet to see any enforcement action here in Michigan. 
Redress is all we ask! 
Respectfully, 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 07/28/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: XXXX unauthorized charges totaling {$250.00} appeared on my Citicard statement in XXXX, 2009. I timely filled out and submitted all the bank 's dispute forms. The bank kept sending me duplicate forms, which I also submitted. Ultimately, the bank denied me the credit I had sought, falsely claiming that I had authorized the charges and that I had failed to file the proper dispute forms on time. I have a thick file on this matter, as I escalated my dispute to the XXXX Attorney General 's Office, to the U.S. XXXX ( who stated it had no authority to assist me ) and to the XXXX , Inc. ( USA ). Feeling frustrated and abused by the bank, I refused to pay the bill, which eventually increased to more than {$500.00} from the imposition of service charges and late fees. Worse still, the debt seriously damaged my credit score which has caused difficulty for me in obtaining bank loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I was forced into foreclosure on my home and business by One West Bank and then BANK and XXXX changed names to Cit Bank NA, lied about any complaints against them and hired it 's unethical gang of lawyer thieves who stole my home and business with fraudulent mortgage documents like assignments of mortgage and sworn affidavits with blatant forgeries and notary frauds in a court room without answering because they all got the same crooked lawyer from XXXX XXXX XXXX, XXXX XXXX to commit fraud on the court and civil theft of my home after I already proved that BANK s misconduct was unjust actions, and lost paperwork and no accountAbility at Cit Bank NA. CIt BANK is a criminal enterprise to steal homes, for one west and XXXX XXXX and XXXX and XXXX and XXXX to enrich themselves by concealing this reprehensible fraud that is hard to uncover. Cit Bank regularly pays attorneys to deny homeowners due process and XXXX committed fraud and obstructed my and other mortgage modification applications. XXXX XXXX and XXXX XXXX and XXXX XXXX and XXXX and XXXX XXXX are all in collusion and have generated yet another limited liability company to steal homes illegally across the XXXX and through out Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (FL).
Issue: Shopping for a loan or lease

Complaint: On XXXX XXXX, 2015, I purchased a XXXX Range Rover LR4, from XXXX XXXX XXXX XXXX for {$56000.00}, which is the fair market value for a similar car without any defects. The dealer is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
The dealer assisted me with completing a financing application for a loan with JP Morgan Chase Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. The financed amount is {$45000.00}. After I left the dealership, I was advised by my insurance company that my LR4 was a branded manufacturer 's buy back car, commonly known as a LEMON and worth substantially less than the amount owed on the loan with Chase. The fact that the car is a lemon was not disclosed to me by the dealer or Chase. Had I known the car was a lemon, I would have not bought the car. I later learned that the law requires that there has to be a consumer disclosure given to me before I agree to buy the car that declares the car is a branded lemon. When I asked for my paperwork from the dealer 's finance office, I was given a copy of my sales agreement and loan papers. I was also given a copy of a lemon law disclosure that had my FORGED signature. I later found the same disclosure form in the color designated for me, the buyer, in my car that was not completed or signed by me. The actual XXXX Application for Title form completed by the dealer, and signed by me, that was also sent to Chase, specifically omits that the LR4 was a manufacturer 's buy back car, ( lemon ). The box on that form that discloses the car is a lemon is not checked. I notified the dealer and Chase about the misrepresentation and fraud. Since I was ignored, I hired a lawyer to try and rescind the transaction or recover the difference in the value of a lemon law car and a normal car. The dealer denies any wrongdoing and Chase claims its paperwork is in order because it has the forged disclosure form in its records. I am still forced to pay Chase the full amount of the loan even though the car is worth at least {$20000.00} less than I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Making/receiving payments, sending money

Complaint: I made a purchase of a cashier 's check from my bank account on Chase by XXXX/XXXX/2015 to pay my move in fees in a new apartment located at XXXX. The amount debited from my account was US {$6400.00} and the check number was XXXX. On the other hand, last friday XXXX/XXXX/2015, I received a 30 days notice to vacate the premisses because the landlord told the check was fraudulent. I went to speak with the representant by the lease office and she told me the amount on the check was different than the amount generated. I went to Chase and the banker told me a problem happened and would take up to 10 business days to send the money back to my account. This is unreal and now not only my reputation but my integrity are burned in the building I just moved. By the lease office, the lady told me they could n't even deposit the check. I need a solution ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Consumer Loan (Installment loan) with Resurgent Capital Services L.P. (FL).
Issue: Managing the loan or lease

Complaint: I originally took out a loan with XXXX XXXX XXXX on XXXX XXXX, XXXX. Due to paycuts at work and the birth of my child I found myself regrettably unable to repay the loan in question. On XXXX XXXX, XXXX XXXX XXXX XXXX closed my account and charged off the balance due, which at that point was {$2900.00}. 

However, a debt collection agency by the name ofLVNV FUNDINGXXXX XXXX, XXXX ( XXXX ) XXXXAcquired the old debt and began harassing me with numerous phone calls and letters about this old debt in which I informed them i was unable to pay. 

I noticed on my credit report that they show this account as having gone delinquent on XXXX XXXX, XXXX which is entirely false. It original went delinquent on XXXX XXXX, XXXX and in informed them that this was improper " re-aging '' of an old debt to which they never responded. 

They 're also adding late fees to this account which I did n't think was allowed by law when a 3rd party such as LVNV buys an old debt. They 're saying I now owe {$4300.00}!!! 

Please help me, I 'm at my wits end with this company. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently pulled my credit report from Equifax and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with Equifax and the results of the investigation came back as " verified ''. I did not have an account with XXXX during this time period. XXXX is incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. They continue reporting this account as negative on my credit report and therefore makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless this debt is immediately removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I requested a credit report for all XXXX of the credit bureau report on my credit. XXXX and XXXX has my score at XXXX when I check Experian they report my credit at XXXX, which is over XXXX points difference from the other XXXX bureau. I wrote them a letter 30 days ago and still have not received a response. The reporting is creating havoc on my qualification for credit. The selection above does not match my issue with Experian

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 01-10-2017 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (MD).
Issue: Managing the loan or lease

Complaint: I returned my leave vehicle to Kia Motors in XX/XX/XXXX. Kia Motors never sent me a final invoice. In XX/XX/XXXX, I received a note Dated XX/XX/XXXX from Kia Motors Finance telling me how much I owed. That same month, Kia Motors Finance reported me to the credit bureaus as being XXXX days past due. My credit scored dropped XXXX points. I called Kia Motors and paid in full. Then on XX/XX/XXXX, Kia Motors Finance reported me to the bureaus again as being XXXX days past due even though my account was {$0.00} and closed. My score dropped another XXXX points. I called Kia Motors Finance back and they said that I just have to wait. Mind you that I need a very good credit score for my security clearance. Kia Motors Finance acted as if this drop in credit score, which was caused by the company, was not a big deal. Well, it is a big deal for me and I have no idea when my score will go back to the original score, which I monitor closely as it is a must for my employment. I filed a dispute with XXXX and XXXX and they both informed me that it is up to Kia Motors Finance to rectify the issue and that my score will most likely not go back to what it was. Now, I am stuck with a poor credit score, which puts my security clearance at risk, all the while, I owe no money to Kia Motors Finance and I never received an initial final invoice from the company. Pleas help as my employment is on the line. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've submitted info numerous times for the company XXXX and XXXX ( now reporting to XXXX collection agency ). The account was opened with my SS # I contacted my local police dept. for police report for fraud account. ) I also spoke with Experian for them to validate account and no identity documentation was provided.

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