milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/30/2016 about Credit card () with DISCOVER BANK (MN).
Issue: Other

Complaint: I am using discover credit from past seven months. First couple of months it was all good, however thereafter I started facing some or the other issues like unauthorized debits, deducting the same amount twice etc. XX/XX/2016 I really had a horrible experience with them. I activated an auto pay option that on XXXX of every month the amount should get deducted from my checking account. XX/XX/2016, instead of XX/XX/XXXX they deducted it on XXXX XXXX 2016 because of which it got returned as funds were not sufficient. When I called the customer care they confirmed that it was purely technical error and they will represent it as per auto pay date. Surprisingly they represented it again on XXXX XXXX however I had funds so the transaction was completed. 

Now comes the bigger shock for me, as they deducted USD XXXX without informing me from account on XXXX XXXX 2016. When I called the customer care, they tell me that they had sent a cheque of the same amount to me. I did not receive any cheque till date. I never understood as to why a cheque is sent when I have n't asked for it. I had to ask them to reverse it as I was managing my credit score well and this heavy outstanding will hit it badly. They out rightly said they will not do it. I had to speak to one of the supervisor about this and she said she will raise a case but it may take 3 to 5 days. When I tried to confirm the date, she says it may happen and so please keep checking your account and inform us.. So by end of the month my statement will show higher outstanding for the amount that I have not used, impacting on my credit score. Above all creating mental torture for me and increasing my XXXX XXXX. 
The service is pathetic and every month they debit more for the reasons best known to them. DISCOVER CREDIT CARD service is worst and they are good for cheating people. Never ever go for this card as they debit without informing and if you miss the transaction, your money is gone. I faced such cases in a very short span of time. I can share more like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-06-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: We were part of the predatory loans in 2007 with Country Wide. We are now with BOA. My friend and I purchased the home and she moved out due to a marriage and what we thought was an impending foreclosure with a mortgage of XXXX. We were XXXX single moms trying to co-parent XXXX kids. I got behind but was determined to keep the house since I had invested my entire life savings of XXXX. BOA agreed to do a loan modification instructing us that if my friend signed a Quit Claim they would remove her name and lower the payement to XXXX. Now the payement is affordable but they tacked on the late fees, past due and additional charges and I owe XXXX ( I had only owed XXXX ). They refuse to remove my friends name and she can not buy or rent anywhere. We were told they would remove her name at loan modification and then at an assumption ( which I did not qualify for ). Second issue : I have had at least 15 Customer Service Rep. each one telling me something different related to payments, etc. Third issues : I can never get in touch with an automated attendant to make a payment. I get paid at the end of the month so I try and pay on XXXX. I can not get a CSR or auto pay. Therefore I started trying to pay online. Twice I was on BOA website for three hours or more ( I have snapshots and documentation ) trying to make a payment without success due to the site would not work and even once for two days a Friday and a Sat. causing the payment to post after the first. Again I have more than XXXX pages of documents, emails etc showing I have tried to call and corresponding with BOA. 
When I look online several other BOA consumers are still having issues. I feel we should have been forgiven principal as well as opposed to all of this tacked on the end and now can not even sell the home. I have hung on for dear life for nine years to avoid foreclosure as a single mom through the crash in good faith doing the right thing and I think BOA should as well.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place. Thank you for taking time to read my complaint.

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 02/23/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Settlement process and costs

Complaint: XXXX XXXX. In XXXX XXXX Bank of America who holds my Visa card, acted in collusion with Bank of America Mortgages, and arbitrarily reduced my credit line to about {$50.00} over my current line. As you know, this has negatively affected my credit score which for the past several years has been negatively affected by Bank of America and its lack of sufficient documentation and lack of clarity on loan amount. My mortgage loan balance is approximately {$12000.00}. Bank of America has returned several ( XXXX ) payments to me, thus showing on their ledgers an unpaid month, then in turn, they charge me with late fees and penalties.

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 04-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On Friday, XX/XX/2017 I just received in the U.S. mail my annual " FREE '' copy of my " XXXX '' per my Due Process rights under the " Federal Fair Credit Act. '' Under the " Collection Agency Information '' there is a false collection debt entry by a " ERC ; XXXX, Florida ; XXXX ; ( XXXX ) XXXX. '' It also falsely noted : " Collection Reported XXXX '' for " XXXX '' for " $ XXXX. '' NOTE : This is the 3rd time that this " ERC '' collection agency has unlawfully noted this false debt collection onto my " XXXX '' without ever having contacted me in the last 2 years. I called them up on their toll free number ( XXXX ) XXXX and politely explained the facts. Their only telephonic response was " Pay the XXXX the {$760.00}, XXXX and we 'll delete it off your XXXX credit file. '' I explained to them again that I 've had " XXXX '' for over XXXX consecutive years and NEVER XXXX That this debt is NOT mine and that I 'm a victim of Identity Theft. '' They then just rudely hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12/19/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX, Citi Gold XXXX branch Manager, wasted my time and blew me off with his unprofessional false promises. He failed to identify I.D . over a serious phone call regarding my Credit card account. Even worse, he read out my account number without identifying me as THE customer. After talking with me for only a few minutes after confirming my name, XXXX XXXX told me that he had my account pulled up, and then he read off my account number. This is Unacceptable and Unbelievable!! Where is identity Security?

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 09/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I contacted Southwest Credit Systems in XXXX to dispute this and they asked me to send them a dispute letter so they can have this removed from my credit files. I sent that in on XXXX/XXXX/16 and rec 'd confirmation they rec 'd it on XXXX. Now three months later the collection is still on my credit reports and is affecting my ability to get a refinancing done. 
I called them on XXXX/XXXX/16 and they told me to call XXXX to dispute it. I called XXXX and they confirmed it was fraud. The crook had my SSN and first name, but the last name and address were incorrect. They told me that since they sold it to the collections company, that I have to contact them. 
These XXXX companies are deliberately putting me in an unending loop. 
I have contacted Southwest Credit Systems to tell them again that XXXX says it was not my account. 
This collection is still not being removed despite the fact that it has been established as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Other

Complaint: In XXXX 2014 I made a purchase in the amount of {$240.00} or around that amount of what I believe was being debited from my debit card through a secured PayPal account because I put my debit card information in the box in which it requested. A XXXX later, I received an invoice from PayPal and I immediately called them to ask why did they send me an invoice when I made the purchase on my debit card. She asked did I want the {$300.00} line of credit or not. I said no, I pay everything with cash and when I made this purchase, I thought the debit card I inputted was used to process the transactions. She responded, if I did not want the {$300.00} line of credit then I would have to pay it right now. I said why should I have to pay for something that I did not authorize. She said if it was not paid now then it would have to be reported to the credit bureau. I told her that this was unfair since I did not authorize the credit in the first place. She did not listen to me and therefore I have been stuck with this line of credit due to me having to have it reported on my credit. I feel the practice that was used was deceptive and put me in a situation that I did not knowingly sign up for. I want to pay off the current balance which is {$160.00} however I want any and all negative reporting on my credit to be removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-03-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My loan was recently transferred to Navient. I have received multiple emails, calls and letters about renewing my income-based repayment plan in recent months. Each time I call, I am given different, contradictory information and told I have to call back at a later date. Half of the time, the call is dropped, and I have to call back and start the process over again. Eventually, after at least six calls over two months, I was told I had to make an extra payment to exit income-based repayment. At fist, I was told that one-time payment would be credited toward my next month 's payment. But after I agreed to the one-time payment, I was told my next payment would still be deducted. Given this frustrating experience, I have no faith that anything I am being told is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: I recently applied for a HELOC from Bank of America since I have been banking with them for over 22 years. I joined XXXX Bank in XXXX which is bought by BOA in XXXX. I was expecting a concierge level support since I have been Banking with them for a while and to my dismay my experience have been the worst ever so far. I clearly told the BoA rep I was trying to refinance my existing HELOC from XXXX Bank which had a loan to value of 80 %. I was told that as long as I have credit score over XXXX and the value of property is above 950K that should not be a problem. I have been assigned to a processor called XXXX and we have been playing phone tags for last 4 weeks and never had a chance to get hold of her. I have spoken to multiple customer care reps last few weeks and I am hearing the different stories from them. I even escalated to a supervisor twice and they promised that he will expedite handling of my file which is a complete lie and I am extremely frustrated about the way they handle my file so far and I wasted so much time talking to BOA on the phone and ca n't get anything done. Appraised value of my property is XXXX and my credit score over 730 and I got this letter from BOA America stating that they ca n't refinance my existing Heloc and my application got rejected. When I talked to supervisor called XXXX she told me that they have a counter offer of 75 % LTV and BOA rep will follow me. When I spoke to BOA rep called XXXX he told that he ca n't even consider 75 % LTV and maximum they can offer is XXXX due to too many inquiries in my credit report and some late payments back in XXXX time frame. I explained to BOA rep that I have been shopping for a mortgage for a while and due to that I have some inquiries from other Banks which was not converted to loans. I also told them late payments were due to short sale due to an extra ordinary circumstances back in XXXX and explained to BOA rep none of previous banks denied credit due to this issue and XXXX and Credit unions offered me 80 % LTV Helocs in the past after completing 3 years of short sale and I never had a pleasure to bank with them over 22 years similar to the way that I have been Banking with BOA. I am very familiar with Helocs since I had atleast 10 of them for last 20 plus years and BOA did n't have a courtesy of asking me what went wrong back in XXXX. Instead they flatly rejected my original offer and the story keeps changing every time I spoke to BOA rep.

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 12/28/2017 about Debt collection (Medical debt) with Radius Global Solutions LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Over the past few days I have been involved with my credit report and noticed that there was a collection on my report that I am not aware of. I called the original creditor to get more information on this debt, and the information that was provided was not accurate. I also looked up the creditor online and noticed that this creditor is located in XXXX  FL, where I have never been. I also noticed that this hospital debt is a HIPPA violation even if the debt does not belong to me. I have never been to XXXX XXXX XXXX  nor do I owe XXXX XXXX XXXX any debts.

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 06-01-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: My  XX/XX/XXXX  mortgage payment was returned. Ditech has not modified my mortgage and l have paid my taxes each year and home owners insurance. they tried to pay my taxes and the money was returned by the county as an overpayment. several years ago, they started to t escrow my account and l explained to them that my mortgage was never modified but they issist l paid my taxes late which is false.,., we accually paid on the same due date. they have continued to bill me for escrow amounts while i have paid my mortgage and taxes on time. Now they want to stop accepting my mortgage payments and forclose on my home by not accepting and cashing and returning my checks. My taxes are paid in full for  XXXX  and my mortgage was current until they returned my May ck in the amount of {$1900.00}. They ruined my credit by posting escrow fees as late payments on my credit reports which makes me unable to refinance at this time. i am   XXXX   XXXX   XXXX    and work 2 hrs a day for a   XXXX   XXXX  . i pay my mortgage and taxes on time. and now they are trying to foreclose or get me to pay escrow amounts per month in addition to my monthly mortgage. my income varies per month and escrow fees are too much per month. i have explained this to them and they are now trying this to get me to pay up. i will have my tax dollars this l fall when they are due and will pay them on time as usuall. Not sure how to proceed since l just sent my  XXXX  Mortgage payment yesterday. .or if i should re submit my  XXXX  mortgage check that they returned to avoid forcloseure.In addition the dollar amounts they are trying to collect in escrow are incorrect ... .they are not including tax payments or insurance payments made over the tears. my account need to be audited.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Debt collection (Credit card) with CITIBANK, N.A. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: City bank stated that I had a credit card with them I never had a credit account with this bank. When I received my home loan the mortgage banker even furnished documents to this bank that proved that this was not my account. Citi Bank has refused removal of this from my cedit reports creating a hardship on a 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 non-monetary relief
Consumer complaint received 01-11-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Equifax keeps charging twice, reporting twice and hitting my reports and affecting my credit report twice.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: We fell behind in our mortgage 3 months and applied for a modification with our bank. During the modification process our bank sold our loan. The process then began all over again with the new servicer. We were never approved, and never given a satisfactory reason as to why. However the assignment of mortgage to the new lender is fraudulent. ( Copy attached ). The issues with the assignment of mortgage are as follows. PNC Bank , National Association XXXX XXXX XXXX XXXX is not correct. PNC was successor by merger to XXXX XXXX who was successor by merger to XXXX XXXX XXXX. The said mortgage amount assigned states {$390000.00} which in fact it was {$160000.00}. There was no mortgage with that document number recorded in XXXX County at that amount. ( Copy of note attached ). The person signing over the assignment who 's name is XXXX XXXX, Vice President had no authority to do so until almost a year later. ( Limited power of attorney attached. ) Also I 'm attaching Forensic Loan Audit showing the break in the chain of title. This is wrong in so many ways and I want this cleared off the title and I want an explanation from PNC as to why they fraudulently sold my home and evicted me.

Company response to consumer: Closed
Consumer complaint received 03/31/2015 about Consumer Loan (Installment loan) with Concord Servicing Corporation (IL).
Issue: Managing the loan or lease

Complaint: The loan, after several years of servicing, was sold to Concord Servicing. A single payment was paid late, generating a late fee. The subsequent monthly payments were paid on time as usual, via online banking bill pay service. Concord continued to charge late fees upon late fees ( pyramiding ). Despite repeated contact with them about this, they have never responded in writing or in any way with an explanation of the fees or a way to resolve these. The practice continues to this day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/22/2016 about Debt collection (Auto) with Ascension Recovery Management (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am responding to a letter I recieved in the mail indicating that I owe a fee of {$1500.00} for a vehicle of which I do not own any longer.The letter was sent out to me on XX/XX/2016. I have not been the owner of this vehicle as of XX/XX/2016 as the vehicle was repossessed. I have paid all fines and tickets pertaining to the vehicle while it was in my possession. I am not obligated to pay the stated amount in any form or fashion. This response is an attempt to debunk this claim of debt. I would like to know why I recieved such a letter.

Company response to consumer: Closed with explanation