milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/27/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Settlement process and costs

Complaint: In XXXX Countrywide Mortgage discharged a mortgage for {$30000.00}. I relied on this Discharge. In XXXX Country Wide Assigned this discharged mortgage to XXXX XXXX background the following facts and events occured : In XXXX Bank America ( the loan servicer ) attempted to foreclose on the {$30000.00} discharged mortgage.. After numerous letters and phonecalls Bof A admitted the loan was discharged and ended all foreclosure actions against me. I recently discovered that Countrywide Mortgage sold or assigned the mortage in XXXX to XXXX XXXX. At no time did Bank America divulge this to me until after a response to my consumer action letter ( in XXXX ) XXXX XXXX pursuant to Massachusetts General Laws.without proving the mortgage ( XXXX ) was invalid. With respect to the Assignment it ignores the Discharge even though it was Countrywide who created the Assignment to XXXX XXXX. Of further note, my first mortgage was with Country Wide who was found responsible for predatory lending practices as well as unfair actions when they serviced the loan and other claims. My first mortgage was Modified in XXXX at no time did Countrywide claim that there was a second mortgage. Please Note : I am having trouble with uploading..the XXXX documents are a Discharge recorded at Book XXXX Page XXXX ( XXXX ) and the Assignment recorded at XXXX Page XXXX. ( XXXX ) Both recorded at the XXXX XXXX XXXX XXXX XXXX in XXXX Massachusetts documents are available on line.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Consumer Loan (Vehicle loan) with VW Credit (CA).
Issue: Taking out the loan or lease

Complaint: On XXXX XXXX, 2015 Volkswagen sold me a XXXX Volkswagen Jetta " Clean Diesel '' for {$24000.00}. This vehicle was sold using fraudulent inducement by Volkswagen - the car contained a emissions testing defeat device and violates Unites States and California laws for vehicle emissions. Volkswagen has admitted to cheating on emissions tests and intentionally installing the defeat device. 
My car purchase was financed by Volkswagen Credit, also known as " VW Credit '', which is a wholly owned subsidiary of Volkswagen Group of America. The vehicle sales contract was based on fraudulent inducement and the sales contract should be rescinded. I have sought formal rescission of the contract through legal means. I have contacted VW credit and requested that loan payments for the vehicle be suspended until resolution regarding the sales contract is obtained. The VW Credit representative I spoke to denied any request for suspension of loan payments and threatened to report me to the credit bureaus for any late or missed payments. VW credit offered no other means of resolution despite holding a car loan contract based on fraudulent actions.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/2018 transunion received a dispute from XXXX XXXX XXXX XXXX. The investigation stated you verified these accounts as being reported accurate. Verifiable has a legal meaning and refers to a copy of the actual document I signed to open the account. You have not provided me a copy of my original signed documentation ( a consumer contract with my signature ) as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ). On XX/XX/2018 you received a certified letter for Method of verification that requires 15 days. You failed to provide method of verification as required under 611 ( a ) ( 7 ). Under section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. XXXX is not 100 % verification. You pasted this deadline of 15 days and must delete all accounts disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a HAMP Loan XXXX through OCWEN Mortgage. Several years ago you handled another problem I had with them quite satisfactorily. The original loan was through XXXX XXXX XXXX. After some months OCWEN took transfer rights. At the time of transfer OCWEN applied {$430.00} in fees on my monthly statement. I inquired as to why I was getting this added fees. They told me it was transfer fees. This is a HAMP Loan there are no other fees to be applied during the duration of the loan. I refused to pay these fees and to this day they remain on every statement each month. The fees applied to the last statement was {$360.00}, why they dropped I do n't know. I do not owe these fees, I have never been late on this loan and am in good standing on the loan. I 'm getting extremely agitated seeing them on my statement every month listed now as past due fees/other charges. Any help you might give me would be greatly appreciated. As I said you took care of the other problem I had with them right away. This problem did not start appearing until I had the loan with them for several months. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX E-Mail XXXXXXXXXXXX Phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit card () with AMERICAN EXPRESS COMPANY (MA).
Issue: Closing/Cancelling account

Complaint: AMex conducted a review on my account. While doing so I paid off my balances, and they told me that after checking my paperwork my accounts will be unsuspended and reopened. 

I called them and now they said that it never happened, but it did. It looked like they collected my money and backtrack on what was said. Please have them reopen my American Express accounts all I want is to use my credit cards again. I have the money and paid off everything in full and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: XX/XX/XXXX a Macy 's bill had some charges that I did not make. The charges were at a Macy 's in XXXX, TX. I moved from XXXX in XX/XX/XXXX. Secondly, I have severre scolioses and am unable to walk in the large store. I disputed the charges with Macy 's, closed the account. Macy 's would send us papers to fill out but I did not know or have the list of charges to put down since I did not make them. The reason I did not have the original bill was on XXXX XXXX, XXXX I was car jacked and my purse was stolen. I would try to get the list from the Macy 's website but because the account was closed I could not retrieve the list. I asked for receipt signatures from Macy 's and they were never given to me. Macy 's proceeded to put late charge after late charge on the bill. After months of getting no where I paid the bill and they would not take of the late charges off. This has hurt my credit and they did not care who made the charges they wanted the money regardless.

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 05-09-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: O n   XXXX   XXXX     2017 I we nt to my local grocery store (   XXXX   ) at approx  XXXX  at that time ... .according to m y mobil app  with bank of Americ a ... .. my  balance was {$52.00} ... my purchases totaled {$24.00} ... later that night after the store was closed ... approx  XXXX , I went to Bank of America ATM on  XXXX   XXXX  and  XXXX   XXXX   XXXX  NY  XXXX  where I withdrew {$20.00}. I DID NOT get a notice from the ATM during the withdrawal that this transaction would " exceed the balance thus incur a {$35.00} charge '' ...  ..The next day I receiv ed my routing morning text message notice stating that my account is overdrawn by {$46.00} ... I went to the computer and discovered that the {$35.00} over draft fee was the cause of the overdraw.     I made a call to B of A ... .their explanation was that what I am able to see on my app as well as my online banking is not accurate and that at the time I went to the grocery store there was only $  XXXX  .and     chance ... but NOT the {$52.00} that both my online banking as well as my app reflected. Despite my protest they are unwilling to reverse the {$35.00} fee

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 10/14/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Other transaction problem

Complaint: I recently got scammed by a person named XXXX XXXX from XXXX who asked me to transfer {$4600.00} to another BOA Account holder ( XXXX XXXX XXXX BOA Account : # XXXX ). I did an online transfer, but XXXX is not satisfied, & asked me repeatedly to cancel transfer & do cash deposit by physically going to the bank. I called customer service twice ( On Friday, XX/XX/XXXX, XXXX XXXX & XXXX XXXX CDT ). 1st CSR told online transfer ca n't be canceled. 2nd CSR,  however, told transaction is successfully canceled and money is refunded back to my account. XXXX Account balance is {$9100.00}. PROVIDED WRONG INFORMATION.Please see the attached cell phone conversation recorded ad forward to XXXX to hear 2nd CSR voice. 

Went to BOA Financial center On Friday, XX/XX/XXXX at XXXX XXXX CDT to withdrew {$4600.00} cash. Available balance according to receipt {$4500.00}. At XXXX XXXX CDT deposited {$4600.00} cash to XXXX XXXX XXXX BOA # : XXXX. I have deposit slip. 

On Saturday, XX/XX/XXXX logged in BOA Account and noticed Online Transfer was not canceled and {$4600.00} is transferred twice to XXXX XXXX. 

BOA has opened a claim request # XXXX and they will request the recipient to refund the 2nd {$4600.00} he received!

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 06/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: My issue is with Bank of America with whom I have had my checking/savings accounts over the past 10 years. What has prompted my complaint is that I recently started using a bank of america preferred cash rewards credit card ( for supposed premium customers ) along with other cards such as  XXXX  or   XXXX   XXXX  . In addition to these credit cards I have several others with other major bank credit cards. In every major institution with the exception of BOA, the ability to set up recurring payments for the full balance amount is extremely easy to do online. With the BOA credit card accounts they have deliberately set up their online payment system to allow recurring payments but only through a fixed amount as opposed to allowing multiple options of : a ) a fixed amount. b  ) minimum payment. c )  statement balance. d ) total balance. All other bank credit cards I have afford all those options.  <P/> In order to get around this, consumers have to submit a written form for payments or call a third party firm to do what every other major bank allows online. For Bank of America to set up a payment structure in this manner is clearly intended to take advantage of consumers. By hindering consumer ability to pay off their credit cards they are clearly trying to exploit customers to pay insufficient minimum payment fees or interest fees because NO  ONE  has a fixed credit card fee every month. As such WHY would they have a reoccurring payment option with the only option of a fixed fee unless it 's to exploit their customers? I refuse to believe this is just because of stupidity.

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 01-11-2017 about Credit card () with PNC Bank N.A. (NC).
Issue: Balance transfer

Complaint: So I have a credit card account with PNC bank. I opened it and was working perfectly. I paid off the balance basically weekly. They then sent me a promotion for zero percent interest. I took them up on the offer and did a {$7200.00} balance transfer where I was charged 2 % balance transfer fee. The balance was to be charged 0 % interest through XXXX/XXXX/XXXX. That was all great the first statement came and now interest and I paid off the balance. Then I used the card for regular purchases and paid off the amount. I always paid more than I spent. So the following month I was surprized to see a {$1.00}, I complained and they promptly removed it saying was cause I continued to use the card. That did n't make any sense as the whole credit card concept is that they make money by paying the places you use the credit card less than the establishment actually charged the credit card holder, but then requiring the credit card holder to pay the full amount and as long as you pay off statemetns in full their is not charge. As I had a zero percent interest balance I wanted to pay the minimum needed to avoid interest but maximize the amount of balance carrying zero percent interest. I had accidentally made XXXX payments in XXXX that one of the customer service representatives discussed with me, but ultimately failed to complete transfering back to me the extra payment, so I called in again and was completed on XXXX. Then when my statement was cut on XXXX/XXXX/XXXX their was a charge for {$4.00} in interest. I called and raised XXXX and cited my understanding of the consumer protection laws around credit card and PNC just locked up and would not assist me anymore saying they would just have someone call me or send me a letter in 10 days. I just want someone to credit me back my {$4.00} and help me determine exact minimum payment to pay and avoid interest going forward. Now that they wo n't help me I risk accrusing other interest. To try and avoid and remembering that the lady had said I had a non promotional balance of {$50.00} something dollars I went ahead and added {$60.00} to the minimum payment they say is due in XXXX ( {$170.00} ) and made the {$230.00} payment today to attempt and avoid additional interest charges but this lack of customer service is infact causing me to overpay and thus not reap the full benefit of the zero percent interest promotion I tried to sign up for. I am very disappointed in this service and lack of understanding of their product as far as customer service that I have received from PNC bank. I believe they should credit me my {$4.00} and the interest at their credit card rate + principal on the overpament overpayment was. I am just frustrated that they ca n't give me clear and concise information. I am likely more advanced than their typical client ( own XXXX properties, XXXX USD net worth, etc ) and if I am having trouble getting a straight answer from them expect their less sofisticated clients are even getting worse treatment.

Company response to consumer: Closed
Consumer complaint received 12/19/2017 about Debt collection (Credit card debt) with Performant Financial Corporation (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 've ask the collector not to call my work number. 
The XXXX XXXX collection still continues to call me at my place of work.

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 05/13/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: portfolio recovery is reporting false information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I graduated from XXXX school on XXXX XXXX, 2017. In XX/XX/XXXX, I received a letter stating that my in-school deferment was ending sometime in XXXX and that the company would send me an additional letter with payment schedule ( which I never received by the way ). On XXXX XXXX, 2017, I tried calling Navient to place my account on a three-month forbearance. As I am studying for the XXXX XXXX XXXX which is being administered on XX/XX/XXXX and XX/XX/XXXX, I am unable to work full-time and earn income to repay my student loan until XX/XX/XXXX. All I asked is that my payments be postponed until XX/XX/XXXX. I spoke to two separate representatives from Navient advised me that it would cost me a " one-time '' fee {$50.00} to place my loan on forbearance. This fee would n't be applied to the principal of my loan, it appears that it would just be pocketed by the company. Mind you, my student loan payment is {$70.00} per month. If I do n't have an extra {$70.00} to make my XX/XX/XXXX payment, I do n't have an extra {$50.00} to pay a forbearance fee. The company refused to waive the fee and threatened to go after my co-signer if I do n't make my payments. Additionally, the customer service representative proceeded to ask for my checking account information, which I refused to give in fear that the company would make an unauthorized charge on my account. Essentially, the company is setting students up for failure who are trying to be proactive about obtaining a forbearance in advance of accumulating missed payments. This is an unfair business practice, as it appears that instead of working with borrowers who are struggling to repay their loans, Navient is capitalizing off of their financial hardship instead.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Trouble during payment process

Complaint: I had filed a complaint last month charging fees that I had restated my mortgage then they tried to charge after ...  XXXX  account resolution officer said it was fixed and you closed my case after you closed it they went back in and charged it again I attached   XXXX   statement showing correct   XXXX   statement they doubled the attkrneybfees and charged more fees ...

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: My Chase 24-Hour Online banking account often displays out of date information, including payments recently made. See attached documents. 
A payment made to XXXX Account on XX/XX/XXXX shows as paid, but still does not show on my Chase activities by XX/XX/XXXX. If it 's already paid, it should show as activity on XX/XX/XXXX. 
This has become a consistent problem, resulting in inaccurate info on my account, which then results in overdrafts and fees. It seems this is done to maximize collection of overdraft fees. I 've complained about this to Chase by telephone before.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Flurish Inc. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: did not authorize credit inquiry

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 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 1.XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 2.XXXX/XXXX   XXXX, FL XXXX ( XXXX ) XXXX 3.XXXX/XXXX XXXX, FL XXXX ( XXXX   ) XXXX 4.XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX 5.XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I am showing inquiries from all the above creditors and I have never applied for credit with any of the above listed companies.

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 02/24/2018 about Payday loan, title loan, or personal loan (Installment loan) with WAKEFIELD & ASSOCIATES, INC. (UT).
Issue: Problem with the payoff process at the end of the loan

Complaint: I took out a loan from XXXX XXXX, or XXXX XXXX, in XX/XX/XXXX. I let the loan default and in XX/XX/XXXX I started working to resolve the debt with the company. At the time, XXXX XXXX had informed me that the servicing and collection of the debt was sent to a company called XXXX XXXX, now known as XXXX XXXX. XXXX XXXX and I began working on the account, setting up a payment plan, on which I made regular installments. In XX/XX/XXXX I made a payment to reach an agreed upon settlement of a total of XXXX paid towards the debt, and they informed me that would be considered settled in full for less than the amount due. They sent me a letter saying as such and I thought the issue was resolved. Shortly thereafter, I received numberous calls and letters from a company called XXXX XXXX XXXX  stating they were the legal collector on behalf of XXXX XXXX XXXX, that they had been hired by XXXX XXXX directly to collect on the debt, that no payments have been made, and my debt was still outstanding. I sent them documentation from XXXX XXXX, they made to effort to correct the error. Following that I contact quick cash directly, who informed me that they have no association with wakefeild and associates in any way, and that they had sent the account to XXXX. I filed a complaint, and forgot about the issues until recently. in XX/XX/XXXX, I was trying to improve my credit and get a loan from a local institution and they asked that I get a release from Wakefield. having forgotten about the situation I called them and inquired about the debt, and was reminded of this. Nothing has been done. Wakefield stated that I still own the debt, that XXXX XXXX is still contract them, nothing has changed. 

I reached out the XXXX XXXX again, they again stated they had no association with Wakefield and that all information was with the collection company XXXX XXXX, the new name of XXXX XXXX. I paid my debt, I don't want to pay it again to a fraudulent company that refuses to listen to reason. Wakefield and associates is either lying out right, or working off of very outdated and incomplete information, and has damaged my credit for the past 5 years as a result. I need help!

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