milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/24/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Account opening, closing, or management

Complaint: At extremely XXXX, I required to XXXX file XXXX charging complaint against Bank of America that they made extremely neglected against XXXX XXXX XXXX in their bank records included employees do not like me and my appearances so they did not let me know about a refund check in leading increased complaints with Bank of America will be continually increase suicide lead to XXXX XXXX XXXX. At extremely, I was not happy with Bank of America account that they did not tell me about how long do I join with Bank of America because of that I can not remember and I did not understand that BOA mailed me XXXX packaging included documents as please take enclosed document to authorized person who understand reading more than mine at this requests. I was not happy with Bank of America at formal request. I knew that Bank of America employees still refused released printed rent checks with sad icons in their banking computer with my bank account. They acted in XXXX that they afraid released my rent paid check with sad icons forwarded to Speaker XXXX XXXX and XXXX. Senators, plus YOUR HEADQUARTERS ADDRESS IN NORTH CAROLINA MUST YOUR RESPONSIBILITY FORWARD TO YOUR STATE XXXX. SENATORS ABOUT MY PRINTED PAID RENT CHECKS WITH SAD ICONS AT FOLLOWING REQUESTS. It was not resolved problem will be remaining stay extremely complaints. see next page:

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Struggling to pay mortgage

Complaint: We are working on a short sale and the 1st lien received the file, processed it and approved the short sale. The 2nd lien was with XXXX and service transferred to SPS on XXXX/XXXX/XXXX. Of course it took 10+ days for the loan to port into SPS 's system, so we had delays - then we had to start from scratch ... even though the paperwork with SPS says that there will be no delays due to service transfer. SPS now has all documents, I have sent in the 1st lien approval ( along with highlighting the deadline to close of XXXX/XXXX/XXXX ) and have escalated the file as of XXXX. I called today for a status and was told that they WOULD NOT escalate the file, nor would they rush it. They will wait the 30 days from date the last document was received. 

SPS is in 2nd lien position - the 1st is with XXXX and is backed by XXXX XXXX. Why delay the file JUST BECAUSE when they are not able to negotiate the amount they will receive? Just another way to try to force clients into foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/2016 Nationstar illegally withdrew from my checking account two mortgage payments illegally from my checking account. I had only authorized for one payment yet they took two payments which made my checking account go into a negative balance. Luckily my bank notified me in the same day which was very frustrating to resolve. In the interim i had contacted Nationstar to advise them of the problem and advising them of their illegal attempt to take more money from my account than authorized. After i had notified Nationstar their response was to freeze my checking account which does not allow me to make a payment for this month and forcing me to go further into default. The fact that i am not able to make my payment on line shows the ill will the lender has against me that is a minority. I am appalled and shocked that an error that was discovered to be " their '' fault has penalized me from making a payment for this month. In this connection, i was also charged a NSF fee and other fees on my loan that i think is unfair. I have also written to this lender asking them to provide me a breakdown of the XXXX 2016 mortgage payment to which they have refused to respond. I am asking that you please look into this incident as i think their treatment is very unfair. In closure, please not that this is also forcing me to pay additional fees as i am not able to use the online service.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: On  XX/XX/2017    approx.  XXXX  est. I spoke with a Customer Service/Sales Representative with Bank of America. I was initially looking for t he Human Resources Depa rtment, but the Representative that answered the phone sold me on a credit card. I was approved for a credit card limit of {$10000.00}. Several times throughout the call I emphasized to the Representative I only wanted a credit limit of {$2000.00}. Now a week later I look at my balance online and of course it is a {$10000.00} limit. The Representative did the exact opposite from what I requested for her financial benefit. I will be in the market for a refinance before the end of the year and want my debt to income to be as low as possible so I can qualify for the best loan. I know for certain this was no mistake because I reminded her numerous times and even told her I did not want a {$10000.00} limit. I have several accounts with Bank of America and should be able to trust them to do the right thing for their loyal customers.

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 12/17/2017 about Debt collection (Credit card debt) with Law Office of Michael J. Scott, PC (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Talked to CFPB previous rep, told them I requested verification of debt from XXXX XXXX XXXX, XXXX and told rep I would put in complaint about debt collector after their response to verification. 

I asked above mentioned collector questions : What amount owed? 

Copy of written agreement that created my original requirement to pay? 

Provide verification and documentation about why this is a debt that I am required to pay. 

Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statue of limitation expires for this debt, how you determined that. 

Does your firm have a debt collection license from my state, city etc. If not, why not? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. Please give city license number. Under law do n't you have to have this city license number? 

Stated before and in the verification letter for you to threat this debt as being in dispute and discussion. 

Let me know if you are prepared to accept less than the balance you are claiming is owed. Tell me in writing your offer with the amount you will accept to fully resolve the account. 

In your response letter after me asking for verification you do not acknowledge my rights under the FDCPA in that letter. 

You are not treating our conversation as dispute but a legitimate debt that you have the right to collect under the law. 

Deceptive and unfair practices to collect debts are not allowed. Your name XXXX XXXX XXXX is not a formed entity in the Alabama Secretary of State 's files. No formation place, date and date qualified as a corp, no agent, no agent address which is required by law. 

You have n't proven by your response to me that you even exist nor answer the questions above. 

Account XXXX did n't exist when debt began. 

Resolution : Quit collection of this case. Fine for misrepresentation whoever made up company.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: ssue Unable to get my credit report or credit score : Problem getting my report or credit scoreDescribe what happened so we can understand the issue ... 

I am an XXXX Service Member in the United States XXXX XXXX. I attended the financial briefing in preparation to separating from the military. Following guidance from the XXXX XXXX XXXX, I attempted to obtain all XXXX credit bureau reports and my FICO score. I am unable to locate any information when I contact the bureau 's to include FICO score. I was told that I need to create a profile. I am a member of XXXX XXXX, and I have received a score thru XXXX, therefore I am unsure as to why I can not directly obtain from the websites.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Our car was totalled after we were hit by another driver. NOT Our Fault We Were NOT Cited. 
XXXX ( Our Auto Insurance ) Suppose to Pay off Vehicle. 
Vehicle is a XXXX Hyundai Elantra. Accident Happened in XX/XX/XXXX. 

TODAY is XX/XX/XXXX. OVER Six Months Later, Car Loan Still Not Paid.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: My Bank of America savings account went negative by almost {$1400.00}. The bank said it was negative for XXXX days as of XXXX/XXXX/2015. I was trying to pay it off through a payment plan, but the Bank refused and while it took the reason why the account went into a negative balance as a fraudulent transaction ( which happened at XXXX time ), there was no action made to the person who wrote the bad check, nor was there any feedback that they would have allowed me to pay back incrementally the negative balance. 

On XXXX XXXX, 2015 Bank of America performed an unauthorized transaction by taking all of the funds out of my checking account which were actually a student loan for my wife 's school and left us with a negative balance. When I confronted the bank, they said that they were allowed to do that based on the contract of my accounts. I found that hard to believe, which is why I am making this complaint that Bank of America has been performing predatory business practices and continues to do so that are not only unethical but I wonder if they actually violate the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (DC).
Issue: Account opening, closing, or management

Complaint: I just received an alert from XXXX. It says I applied for a credit card form CBNA and listed this address. I DID NOT APPLY FOR A CREDIT CARD. This is an error or stolen identity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Settlement process and costs

Complaint: I have been trying to get the address to file a small claims suit against Bank of America in Utah. I get no help from any of the contacts I have made to Bank of America. I also did not receive the information in my last complaint. There were many errors on when my modification was done. My request is simple. I need the name, address etc. to who I can serve a small claims suit to in XXXX XXXX XXXX Utah.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The credit bureaus are reporting a judgement that was included in bankruptcy and therefore I am being dinged twice for the same item. Once because of bankruptcy and XXXX for the judgement that was included. Also my length of credit is not reported correctly and trabsunion will not give me a credit report because they say I already had a free one in the past year which is not true

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX N/A XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX  XXXX XXXX, FL 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 07/23/2017 about Debt collection (Medical debt) with Grant Mercantile Agency (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I believe am being excessive and illegal charged interest and fees on medical bills. Medical bills are n't liquidated debts and there was no specific implied agreement expressing authorizing rates of interest. Requesting an itemized statement of fees and interest being charged and dates of when they were charged. A copy of contract authorizing such fees and collection charges. The obligation to pay interest is not changed by the debt being assigned to a collection agency. If a collection agency does demand and collect interest, it should be shown as a separate amount from the principle when it is first demanded from the consumer. The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Never did the collection agency inform me of the interest being charged or at what rate in written. They just started to apply it at their own interest rate to the original debt. Interest wasnt applied to any of this account until two years after being placed in collection by Grant Mercantile agency, when I began to dispute accounts. As of XX/XX/XXXX, account opened XX/XX/XXXX balance was {$2200.00}. By XX/XX/XXXX the balanced jumped to {$2400.00}. This was less than two months of interest that had been add to each of these accounts. As of XX/XX/XXXX, account opened XX/XX/XXXX balance was {$870.00}. By XX/XX/XXXX the balanced jumped to {$940.00}. As of XX/XX/XXXX, account opened XX/XX/XXXX balance was {$1500.00}. By XX/XX/XXXX the balanced jumped to {$1600.00} ( proof attached ). Congress passed a bill that only non-private hospitals can charge interest on a hospital bill, because it an unliquidated debt. XXXX XXXX XXXX XXXX is a private hospital. Never did the collection agency inform me of the interest being charged or at what rate in written at any time. Your company just started to apply it at their own interest rate to the principal of the debt. I received letter sent from your company dated XX/XX/XXXX. Referencing account # XXXX in total amount of {$2800.00}. Principal {$1800.00} and interest {$960.00}. You sent verification of debt, that was n't requested.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: We have always had good credit, however in XXXX 2013 my husband was unemployed and Chase offered us an " Unemployment Forbearance Program ''. This was effective on XX/XX/2013 and ran through XX/XX/2013. During that time they told us our mortgage payment would be XXXX until employment was found. We were told that these missed payments would go on the back end of the loan. We complied with all of their terms. However we now find that those payments are showing up as late and/or missed payments on our credit report. I have spoken with Chase and they will not adjust this with the credit reporting agencies. We have lived in this house for over 21 years and have never been late on our mortgage. Is there any way for us to get this taken off of our credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (Credit card debt) with Stenger & Stenger, P.C (IN).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: I was repeatedly lied to about settling with this debt collector by its collection dept at stenger and stenger law firm debt dept. I called on XXXX XXXX and spoke with a representative and came to an agreement to settle this debt before my court date on the XXXX. I was told if I paid them 1350.00 on the XXXX of XXXX XXXX, that stenger and stenger would drop any actions moving forward with judgement. I repeatedly asked them if they would be able to make sure this was taken care of on their end and I would be safe from any judgements from this case. I was told 4x over on that phone call that I was released from any judgement and also that they messaged their paralegal who contacted the lawyer named XXXX XXXX of XXXX Indiana and the message was passed onto them and I was promised that they would drop any further actions and that they would make notes to leave extra messages for this lawyer to stop any actions against me for this upcoming judgement. I also asked for a letter stating this agreement be mailed to me expediated. I got neither. Instead, XXXX XXXX I got a letter stating the account that stenger and stenger was suing me for was paid and is on contingent on the clearance of payment I already made to them. Nothing about the agreement to stop pursuing the judgement against me for said account. I got another letter on the XXXX of this XXXX stating I have to sign a new document of a fake settlement offer that did n't take place, tyring to trick me into accepting that they filed judgement against me even though we already agreed that if I paid them 1350.00 on XXXX XXXX XXXX that they would not file against me in court and the judgement would be stopped on that very XXXX XXXX XXXX and I would not need to go to court on the XXXX since this was considered paid there would n't be a reason to show up at court. 
This new agreement they drew up states that upon signing, they would file documentation with the courts to close the file. I also have screen shots of my paypal account showing I paid them on the XXXX of XXXX XXXX. This is in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you. Please note, if I am refunded my pay pal card name was not updated to my maiden name ( recently divorced ) Name on card that was submitted to Stenger and Stenger was 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 10/25/2016 about Mortgage (FHA mortgage) with STEWART INFORMATION SERVICES (WA).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX, 2014, I went to Stewart Title located in XXXX WA to sign documents to close my home loan. XXXX XXXX XXXX was the escrow manager that closed my loan. At the time I was unaware of the personal relationship that XXXX XXXX had with the builder XXXX, XXXX and XXXX XXXX. I purchased my home from XXXX XXXX. XXXX XXXX worked for the XXXX, WA location of Stewart Title with XXXX XXXX for 7 years. 
There was a {$490.00} fee assessed on my HUD 1 statement which was disbursed to XXXX XXXX. The line item explanation was reimbursement to XXXX XXXX per the XXXX At the time that I signed to close my loan I did not have a copy of the XXXX. I received a copy of the XXXX XXXX XXXX on XXXX XXXX, 2014 via email from XXXX. There was no specific information regarding what this reimbursement was for provided on the HUD1. The {$490.00} was disbursed to XXXX XXXX through the HUD 1. 

The {$490.00} disbursed to XXXX XXXX as far as I am concerned was embezzled. I am asking that an investigation be conducted because it is my belief that Stewart Title is aiding in embezzling money from home buyers ( first time buyers ) by misappropriating funds to builders, in this case the owners of XXXX XXXX. Stewart Title also participated in a warranty scam with the builder XXXX XXXX by obtaining signatures from buyers at closing on a warranty application that Stewart Title was not authorized to administer and it was not relevant to the loans closing. This warranty application has created legal problems for every buyer in our community. Stewart Title also disbursed funds from the HUD 1 to pay for these warranties for the builder XXXX XXXX. Stewart Tilte obtained signatures on these warranty applications without disclosing the legal ramifications of signing the applications that they/Stewart Title were not authorized to obtain signatures on to start with. 
Stewart Title has participated in embezzlement. The funds in the amount of {$490.00} should have been disbursed to the homeowners association not the builder XXXX XXXX. This is misappropriation closing funds. It 's a scam and every single buyer at XXXX in XXXX XXXX WA had the exact experience described above. Stewart Title obtained signatures from every buyer at closing on a sham warranty application with major legal ramifications for the buyers. Stewart Title has failed to provide detail of the {$490.00} reimbursement that they disbursed to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation