milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-04-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: This letter is to lodge a formal complaint against both Bank of America and XXXX. Prior to transferring my mortgage account over to XXXX XXXX Bank of America committed numerous errors on my account. Despite XXXX letters addressed to the XXXX, XXXX to correct the matter remains unsolved. 
XXXX conducted has revealed evidence that Bank of America knowingly committed the act of fraud and deception when Bank of America paid my XX/XX/XXXX property taxes without any prior notification. 
Bank of America sole basis and claims of notification is a letter referencing what is now know to be a letter sent to me regarding my XX/XX/XXXX taxes not XX/XX/XXXX taxes as request. This egregious act of fraud and deceptive practices by Bank of America has caused me great emotional and financial stress as both Bank of America and XXXX financial continue to levy various fees, fines and penalties which has now impacted my account and credit rating. 
Based on the facts presented, it is my belief that Bank of America and XXXX are now in collusion to use this fraudulent act as an instrument to potentially foreclose on my property at XXXX, XXXX XXXX, Texas XXXX ( XXXX ). 
I have provided both Bank of America and XXXX all evidence. I am awaiting a response. Please investigate this matter and provide any guidance and you can. I can provide all documents as requested.

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 12-10-2015 about Mortgage (VA mortgage) with MORTGAGE LENDERS OF AMERICA (SC).
Issue: Settlement process and costs

Complaint: Mortgage contract between myself ( buyer ) and seller had a closing date of XXXX XXXX. I got the CD on XXXX XXXX. There is a 3 working day waiting period. We were waiting on approval from lender on mortgage. The loan was cleared for closing today XXXX XXXX by lender. Attorney is stating we have to wait for 3 working day waiting period due to correction to the CD by attorney to lender. Attorney stated we have to wait 3 working days and then 3 working days for closing to occur. This will put us outside the 10 working day grace period for the loan to close based on contract. As the buyer I do n't want to be held liable for the fees and cost incurred by not having the loan ready and seller backing out or extending the closing to new year. Can we close on the loan at anytime going forward? Do I have to wait for the attorney to set closing date? I get the impression that the attorney and realtor agents are stalling the closing to the cut off date. This will allow the seller to default and all cost and fees will be the responsibility of me ( buyer ). What are my rights as the buyer?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/17/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Received a credit card in the mail from Synchrony Bank for Guitar Center  XXXX / XXXX /2017 - this was not opened by me. I have attempted to close this account this evening (  XXXX / XXXX /2017 ) and I have been repeatedly told that I have to reveal more information about myself in order to cancel the fraudulently open account. I do not know this bank, and I do not know the store. On my fifth phone call ( after nearly an hour total on the phone ) I was told they would shut down the account and initiate a fraud inquiry. I am concerned that the company will misuse my information and attempt to open additional accounts.

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 12/13/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On the morning of XXXX/XXXX/XXXX, I was notified by phone notification from Chase.com that my checking account had a negative balance. Upon signing in to my Checking account online, I was made aware that three ACH debit transactions were processed on XXXX/XXXX/XXXX that had put my account into negative status. I was awake on XXXX/XXXX/XXXX to past XXXX and never received a notification from Chase Bank that my account was negative, which is normally the case. Had I known that these transactions were processed, I would have had the opportunity to rectify the situation and bring the account current. The representative I spoke with over the phone this morning first stated that these debits were processed around XXXX XXXX, which is untrue. Then stated that they were processed close to XXXX and again, I was NOT NOTIFIED, and in response to the Chase employee, there was NO interruption in my phone service. I can provide proof. She further stated that these debits are processed by the outside company retrieving these funds and that these were not processed at those particular times due to Chase Bank 's doing, but rather the company requesting these funds. I, the unknowing customer am forced to believe what she is saying is true. I have very high doubts that this is the case. Chase Bank is known to be one of the largest banks that makes the most profit on fees on their customers and I now know how they do it. Just like they did to me. They wait to just before XXXX to process a debit so that they can charge fees after XXXX for the transactions. I now have to not only cover my transactions, but the fees, which makes it much more difficult for me to obtain an extra {$100.00} for the fees that they charged me. I believe that Chase Bank is practicing bad business by purposely processing transactions in this manner, in order to be able to charge a customers account these fees ( making record profits ). I would like to have my {$100.00} refunded so that I may be able to place the funds for these transactions into my bank. I believe that there needs to be an investigation on Chase Bank business practices as I believe they purposely take advantage of their customers. I will be seeking media attention exposing these practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/17/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: We received harassing phone calls from Green Tree Representative XXXX XXXX in the beginning of our loan. 
The interest rate with Green Tree is unfair, 12.99 % it is too high. 
I applied for a loan modification, but was denied. 
No payment amount is being applied to the principal balance, we received a letter back XX/XX/XXXX stating we were {$6300.00} past due, I have copies of two payments sent during that time period. Original loan amount {$54000.00}, today it is over {$50000.00} after 16 years. 
I completed bankruptcy XX/XX/XXXX ( including arrears ) but the balance on the loan is still too high. 
I have attached additional information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I am being billed by XXXX and Navient as well.I just had a Chapter! XXXX discharged in XX/XX/2017. I think I am being double billed?

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: In XXXX XXXX, I disputed an address and balance on my credit report. A background check was submitted for employment on XXXX XXXX, XXXX and the same incorrect address appeared several times. 

Due to this incorrect info, I was denied a application for housing. 
The address in dispute is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX, apt XXXX, apt XXXX, XXXX XXXX I never resided at any of these addresses

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 03/26/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My Husband and I are currently delinquent on our mortgage due a to long term financial hardship. Our Loan is serviced by Ocwen. We will soon have the ability to bring our mortgage payments current. We have made several requests to Ocwen to provide exact amount required to bring our loan current. Ocwen continues to provide conflicting amounts via telephone representatives and written correspondence sent to us. The amount Ocwen provide to our Attorney and local court overseeing foreclosure is also conflicting in reference to the total amount needed to cure the delinquent payments. We have yet to receive an accurate and confirmed amount needed to remain in our home.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (TX).
Issue: Fraud or scam

Complaint: A fraudster scammed {$40.00} from my son. He then claimed he did not receive the funds and attempted an account takeover. I tried to detach my bank account and credit card from the PayPal account, but PayPal would not let me due to the impending transaction which had already been instantly credited to the fraudster. I then reported in numerous confusing attempts the fraud, yet the fraudster was somehow able to try to send multiple transactions from the other side of the country with nothing more than my email address and name. PayPal also has no means to report an account as a fraudulent account to prevent him from defrauding others. Or, I could not find a way to do it in hours of searching. The fraudster was using the following email address : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Student loan (Federal student loan servicing) with Texas Guaranteed (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Spoke with a XXXX who refused to give her last name-said in the garnishment department and ext is XXXX-but would not disclose her full name. Secondly, I had given written and verbal authorization to speak with my 3rd party and they refused to do so. I asked for this rule or regulation in writing they denied of course. This company is not willing to work with me and I would like for some action to be taken against this agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/26/2015 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (TX).
Issue: Managing the loan or lease

Complaint: These people claim that I took out a loan with them sometime late last year, but I did hear anything from this company till around XXXX of this year. From what I know, this loan company only has my home address & our phone numbers, nothing else. They have no signatures or my social security number that I know of! They have harassed me by calling my phone numerous times a day. They some how got my wife 's number and now call her several times a day too! I do believe they have been gathering info off my XXXX. They have came by my home and have beated on my door numerous times. I have asked them to stop over and over. They have harassed some of family members. I am assuming they found on XXXX as well because they have also harassed some of my friends too! Now, that I threaten to turn them in for harassment if they do n't stop, they now are dropping notes off at all my neighbors homes and in my XXXX mail box, which I thought was federal offense.. This is rediculous that a company can get away with this type of threatening behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MI).
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint: To Whom It May Concern:

About XX/XX/XXXX I started getting $2,000 to $5,000.00 charges on my credit cards a month from a cosmetic company! I would contest these charges; they would be dropped only to show up on another card the next month! This XXXX went on for years, could not get through to the people in XXXX that I am a man and do not use cosmetic. After 6 to 7 years of this XXXX the charges stopped! Then Discover stated the $4,000.00 to $8,000.00 transfers from card to card.
With late fees, overdrawn fees, fees on top of fees. I stop using all their cards in XX/XX/XXXX except XXXX. They stopped charges.
Well in XX/XX/XXXX, I was informed that my claim for XXXX from Social security and the Veterans Administration was approved< but is seems that the insurance company or the credit card company were informed of this before I was and canceled my XXXX and XXXX insurance. I sat down and figured how much I did owe them and stop paying when I hit that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (Credit card debt) with R & B Corporation of Virginia (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was a XXXX TV customer then was changed to XXXX. They were so bad I cancelled the service and paid a balance due of {$150.00} on XX/XX/XXXX, I spoke  to a person named XXXX. Apparently, between the time XXXX credited my account they charged me {$59.00}. I received a letter dated XX/XX/XXXX claiming I still owed {$59.00}. On XX/XX/XXXX I called and spoke to a person named XXXX who told me I owed {$5.00}. I then received a collection letter from Credit Control Corp. on XX/XX/XXXX that I owed {$59.00}. On XX/XX/XXXX I contacted XXXX at Credit Control and attempted to explain what happened but she was so confused I hung up and decided to contact the Consumer Finance Department to help.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: credit agencies insist on reporting adverse key factors to creditors. 
These key factors appear to be repetitive and has appeared in exact verbage from over two years ago. This issue was recently reported to Consumer Finance Protection Bureau. 
Latest credit file does not support these horrifying key factors. Also there is a huge disparity in credit scores. XXXX obtained a score of XXXX from TRANSUNION. I obtained a score of XXXX. TRANSUNION removed hard inquiries down to 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 08/25/2017 about Vehicle loan or lease (Loan) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Once again I have received a letter in the mail from SECU. now all of a sudden my car note is a month behind. When I have my car payment set on automatic draft. On my paydays on the last day of the month before my check is deposited into my account my car payment of {$220.00} is deducted out of my withholdings before I even get my paycheck. For the month of XX/XX/XXXX they refused to take a payment. And knowingly refused to advise me of the situation until XX/XX/XXXX surprisingly that happens to be the same day I got a letter about my account being closed. Which is nothing but retaliation from my complaints to the CFPB. Now they expect for me to make a double payment on XX/XX/XXXX this is totally unprofessional. I have reached out to the credit union and have not been answered yet. I demand answers I will not let this go any further than it already has

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Bank account or service (Other bank product/service) with Comerica (NY).
Issue: Using a debit or ATM card

Complaint: I am an XXXX in XXXX that works on behalf of XXXX low-income and XXXX clients. One of our client 's contacted us concerning an identity theft issue pertaining to his Direct Express account. The client is XXXX and has difficulty traveling throughout the city. He filed a fraud claim with Direct Express because someone used his Direct Express card without his knowledge or permission and withdrew money from multiple ATMs in neighborhoods where our client never travels. Direct Express responded to our client with a letter stating that they had completed his investigation and found conflicting information and that they could not confirm that fraud occurred. There was no further explanation provided in the letter regarding the alleged conflicting information Direct Express used in making their decision. However, the letter stated that the client could call Direct Express to request a copy of the documents used in making their determination. Our client called Direct Express at XXXX on at least four occasions to request the documents. He has yet to receive the documents. Frustrated that he could not resolve this issue on his own, our client asked that I call Direct Express on his behalf to see if I could get a copy of the documents as his attorney. I called Direct Express and offered to provide them with a signed and notarized authorization form from my client giving me permission to communicate with Direct Express on my client 's behalf. The customer service representative at Direct Express said that I could not speak to Direct Express on behalf of my client and I need not submit an authorization form because I am not the client 's representative payee on his Social Security account. I asked the representative if there was a form that Direct Express could send to me that would allow me to communicate on behalf of my XXXX client and I was told there was no such form and that they could not provide me with the information pertaining to his fraud claim. I was unable to assist the client in getting information from Direct Express. As an attorney that works on behalf of XXXX clients, I imagine that many of my clients will face an issue pertaining to their Direct Express card, and unfortunately, I will not be able to communicate with Direct Express in order to assist these clients.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Mortgage (Other type of mortgage) with FLAGSTAR BANK, FSB (MS).
Issue: Trouble during payment process

Complaint: Follow-up Documents to Complaint XXXX / Scam Alert?? 

As previous mentioned, I want answers as to how my mortgage was placed under Bankruptcy when I, the sole owner has not filed bankruptcy!!?? My XXXX mother lives with me. She has filed for bankruptcy. She is not listed on any documents related to my mortgage. However, Flagstar has placed my home in their " bankruptcy department ''. They are also charging me for " Legal action and fees ''. Why? If they had searched public records they would have known this was an error. I am starting to think this is some kind of scam ( place accounts under bankruptcy, then charge owner for " Legal action and fees '' ).

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 09/23/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Loan modification,collection,foreclosure

Complaint: I am filing a complaint against Bank of America for Dual tracking. They have been in receipt of my modification application for some time and have done nothing with it. They acknowledged full receipt of a modification application yet continued to file a foreclosure neglecting dual tracking requirements. They are in clear violation and need to be held liable for their actions.

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 06/18/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: My wife received a phone call from the dealership where we purchased our truck XX/XX/XXXX. They said they noticed we had been making our payments on time and would like to see us and possibly see about new options. We drove to dealership the following weekend and only had plans to discuss these new options. The salesman kept trying to talk us into purchasing a new vehicle on top of the one we already have and also told us we could just purchase a new vehicle and let the one we have go back. My wife and I specifically told them we were not interested in buying a new truck and stated that several times while we were there. While we were there the manager sent my credit report to XXXX different bank and financing companies without my permission trying to get us approved for another loan, which I had stated I did not give permission too. This is affecting my credit report because I have to many inquiries, and we were going to refinance in the upcoming month or so. I contacted Equifax and they said I would have to contact each individual company. I contacted XXXX of the XXXX and they said they could not do anything because it was n't directly through them, that I would have to contact the dealership. I called the dealership and spoke with the man who pulled my report and he said there is no way he could contact credit bureau and let them know it was a mistake ( Equifax said the could send in a statement explaining it was a mistake and to remove the inquiry ). He continued to say in his XXXX years experience he has never heard of such a thing being done.

Company response to consumer: Closed with explanation