milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Loan servicing, payments, escrow account

Complaint: we have a few problems with Bank of America 1. Bank of America issued an incorrect payoff to our attorney. 
2. we had closing on our house XXXX XXXX, XXXX 3. Bank of America lost the wire transfer to pay the house off. 
4. We called many times to try and resolve it and ended up wiring an additional {$9300.00} 5. We had had to pay for forced placed flood insurance through XXXX XXXX eventhough we do n't own the house. 
6. they are supposed to cancel flood insurance and issue a refund from closing date 7. they have n't issued a refund of flood insurance we sold our house. 
8. The house suffered substantial damage in super storm sandy. it needed to be torn down and rebuilt. the flood insurance did not give us enough money to rebuild. so the house had to still have flood insurance on it even though it had no insurable value. 

Bank of America gave the lawyer the incorrect amount for payoff. Our title company wired the payoff on XXXX XXXX. Several days went by and our account did not reflect any payments. We called our lawyer and then the bank. Bank of America kept saying it would appear and give it more time. Finally after my husband had called almost every da we found someone in payoff who looked up the wire by the dollar amount and found that it had been received by XXXX XXXX. They said the amount of payoff was incorrect we owed money for forced placed flood insurance. We wired the amount they said we owed over {$9300.00}. We had to pay for flood insurance for insurance from XXXX XXXX to XXXX. They would cancel our insurance and issue us a refund. We received a letter saying they would refund us {$1300.00} because the insurance was not needed after XXXX XXXX. Closing was XXXX XXXX. 
we called XXXX XXXX, XXXX and a bank of America representative said the check would be received by us by XXXX XXXX, XXXX we called XXXX XXXX, XXXX and they said to give it to XXXX XXXX, XXXX if we still have n't received it they would issue an new check. 
we called XXXX XXXX, XXXX they said they had no record of us deserving a refund check. finally after being bounced back and forth between many departments they requested we fax them the letter we received from then because they cant find it. 
Bank of America is very difficult to deal with. They should have honored the incorrect payoff or they should have deducted what we owed after the flood insurance was cancelled and had up pay that amount so we would not have to wait for a refund. or how about they cut us a break and not charge us interest for the last 11 months. we paid our mortgage up until XXXX XXXX we just could n't afford it anymore we had to pay rent on a place to live. Its been horrible since super storm sandy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/15/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CO).
Issue: Deposits and withdrawals

Complaint: I recently sold a product on-line ( I-Phone ) and the person who bought my product sent me a check for {$2000.00} to cover the amount plus sent the rest off to his family in Georgia as he was in the service. Nice person I am I agreed and deposited the check into my account on XXXX XXXX, {$400.00} was due to me right away and the {$1600.00} remaining the next day. I went ahead and got the {$400.00} and waited til next day to collect the {$1600.00}. The next day was a Saturday and I asked the teller if the check was ok, meaning was it a valid check/ any fraud? he said its ok you can take the money so I did and XXXX XXXX the cash to Georgia and thought I did a great thing considering my grandpa just passed days ago but I wanted to finish the agreement of the cash so i did.I should of went with my gut telling me these people were scamming me?! I had instructions after I got the money out as where to send the rest of the money ( yes I am that nice! ) I received a letter in the mail weeks later saying the bank took the {$2000.00} from my acct as they could not verify that check was valid.I called Customer service and they said I should have waited til a business day which was a Monday to make sure it was not fraud, Well the teller should of told me that before I took the CASH!!! now I am out my emergency savings!! I think the bank should give me some of my cash back and tell a customer these issues before taking that much cash out! I filed a report to the local Police as well and nothing so far.

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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XX/XX/2017, i, sent out dispute letters certified mail to Transunion, XXXX and XXXX with return receipt with time, dates and signature received .On XX/XX/2017 transunion and experian received dispute letters, XXXX received dispute letters on XX/XX/2017. I, mailed verification request to verify inaccurate information on my credit reports.The inaccuracies ; a Bankruptcy Chapter XXXX dismissed / clsd and a Chapter XXXX Bankruptcy discharged, Along with XXXX account listed included Chapter XXXX Bankruptcy discharged. I have asked the XXXX credit Bureau to give me the furnisher of the information on the two public Bankruptcy and the XXXX account that 's included in the bankruptcy, I asked specifically for the name, number of the person that they verified this information with. According to FCRA laws, I thought i was entitled to this information. the 3 credit Bureaus completey ignored my request alone with previous request. all 3 credit reporting Bureaus sent back a letter stating the items are accurate. They also stated that the furnisher of the information is the US Bankruptcy Court - XXXX. I have written document from the US Bankruptcy courts states that they do not report or give out information to the credit reporting bureaus, states they use 3rd party database collectors to get and sale public information, I feel that all three credit bureaus has violated me and the FCRA Act, by giving incorrect false information about how they verified my request. And by NOT validate the accuracy they claim to have. The credit Bureaus should have to remove any derogatory information they are reporting. Completely because they are not validating any documentation not even bearing my signature and penalty and violations should be impose on them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian has reported wrong information to my credit report

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 05/24/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Phone call was made for XXXX XXXX at XXXX XXXX time from XXXX . I do not know XXXX XXXX. Phone number XXXX extension XXXX claimed by representative XXXX XXXX ( woman ). Company MCM or Midland Credit Management. I also Spoke with XXXX XXXX ( man ). He claims the address is XXXX XXXX XXXX. I am on national do not call list. This is a repeat offense from this company. This and many other companies have been warned not to call and they still repeat their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit card () with CITIBANK, N.A. (IL).
Issue: Billing disputes

Complaint: My complaint is about the charge back process, which favors merchants and does not provide enough protection against fraud. 

In XX/XX/XXXX, I rented a car and was charged a {$200.00} security deposit, which went on my credit card. By XX/XX/XXXX, the funds had not been refunded to my card, but there was no reason for the merchant ( the car rental company ) to keep my deposit. Attempts to contact the merchant were unsuccessful, so I issued a chargeback with my credit card company ( Citicard ). The merchant disputed the chargeback in a salacious manner, accusing me of trying to steal from them. I contacted my credit card company again, and they told me that I had to provide a valid credit slip from the merchant in order for the credit to be issued. This is problematic, as the reason I disputed the charge in the first place was because I could not contact the merchant to get an answer! I requested a " valid credit slip '' from the merchant three times, and each time was provided something that the credit card company would not accept. As a consumer, I was unfamiliar with what a " valid credit slip '' was and I had no way to force the merchant to provide me the correct documentation. After all, they already had my money. By the time they finally provided the correct documentation, too much time had passed in the chargeback process for them to intervene anymore. I now believe that the delay tactics were intentional by the merchant so that the chargeback would be unsuccessful and they could keep my funds. 

My complaint is that the chargeback process is set up to favor merchants, not consumers. I use my credit card because I believed it offered certain protections, but I do n't feel like those protections served me here. I was told by the credit card company that, per chargeback rules set by XXXX, after the dispute is made, ANY response from the merchant means the issue is sided in their favor. Even after I provided ample documentation proving I was due the funds ( including a signed letter from the company ), they were unwilling to assist me. The merchant is now refusing to return the funds via another manner. I 've already reported them for fraud, but I am making this complaint because i believe the chargeback process does not provide enough consumer protection.

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 06/22/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Application, originator, mortgage broker

Complaint: Back in XXXX I applied for a mortgage we set a closing date for XXXX XXXX 2016. 
Forty minutes before closing I received a call from Chase home lending telling me I had to come up with additional {$1000.00}. In addition I found other discrepancies on the closing documents that the lawyer had with her. The original agreement was that they were supposed to transfer the escrow account to the new loan. On the closing papers it stated they were using it to pay down the mortgage balance. The commitment letter stated that I had to bring {$220.00} to the closing. There were numerous discrepancies and I had the attorney, XXXX XXXX call them. We could not close. On the same date XXXX/XXXX/16 I spoke with chase home lending and I was told they would try to credit me {$1000.00} for the mistakes. I requested a new commitment letter stating the new figures I never got XXXX. I got a phone call from the lawyers office on XXXX/XXXX/16 that we have a new closing date for XXXX/XXXX/16. I still had no documentation or commitment letter. How could I close? And without any knowledge that I was closing on that date. This is not the correct way to conduct business. I called back on XXXX/XXXX/16 to request my {$500.00} deposit to be refunded. They refused. I feel like I have been misled and this is not my fault. I should be refunded my {$500.00} Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On   XXXX     I made a purches for the amount of {$100.00} to  XXXX . My online account balance reflected that same amount being charged and withdrawn from my account that day as well as the balance after the charge. On   XXXX   my account balance shows {$140.00}, I was charged {$100.00} again by the bank on  X/XX/17    for the purches I made on   XXXX   with no reflection on my account statement of the transaction being made on that   XXXX    . I have the reciept from  XXXX  that shows the transaction did go through on  X/XX/17    but the bank has no record of it being made or has lost the record of the purches on that date. I called the bank and they said there was no purches made on the reciept date and, my account is now overdrawn because of this error.

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 02/24/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: experian has updated false information, that is very harmful to the credit standing on experian personal credit report ( included here ) .the final and last payment on this forclosed real estate loan was XXXX.that means this account is far beyond the 7 year limit of negative reporting.I have obtained a complete payment history of the loan from XXXX XXXX XXXX today ( incuded here ) .the XXXX XXXX XXXX account number is XXXX. 
THIS ACCOUNT ACCORDING TO FCRA MUST BE DELETED IMMEDIATELY, XXXX AND EXPERIAN BOTH HAVE LEGAL LIABILITY.

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 12/26/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax continues to report a negative account on my credit report for which I was only an authorized user ; I had no payment responsibility on this account and it should not be reporting on my credit report. I have disputed this with all of the credit reporting agencies, including Equifax, and the account has been removed by all of the agencies except Equifax. This account is having a negative impact on my credit scores and is preventing me from obtaining necessary financing.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello, My name is  XXXX   XXXX . I have a  XXXX  account : Account :  XXXX  Current Balance : {$21000.00} Past Due Amount : {$0.00} Current Amount Due : {$61.00} Payment Amount : {$61.00} Due Date: XXXX  I re-consolidated my loans after they were damaging my credit back in  XXXX  of   XXXX  . I have made my payments on time since then. I thought that everything was being handled but I was n't told about a loan for {$3300.00} that I had defaulted on twice. My credit report is reporting the loan at  XXXX  but when I reached out to them they stated that my debt to  XXXX  was at  XXXX . The  XXXX  account does n't list the loan! They also said I could not pay it over the internet, that I had to call and pay it over the phone.     This seems extremely predatory and I will call them and work to reestablish my credit, but others like me might not be able to because of these shady practices. Please let me know if you can assist me with this. I will cooperate as much as I can.       Thanks,  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 01/26/2018 about Debt collection (I do not know) with AFNI INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Back in XX/XX/XXXX company responded to complaint and said they would have item deleted off credit reports it has yet to be submitted to credit bureaus as I have already called and verified this with the bureaus. 

See attached documentation ... 

The only proof that they have supplied is statements from original creditor which is not Validation of a debt owed

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On X/X/2017, I received a text message from Chase bank stating that there may be fraudulent charges on my account. I replied by stating that I did not make the charge. The charge was still pending at this time. I called Chase shortly after I replied to the text message. They informed me that the claims department would refund my money and they did a few days later. On XX/XX/2017, they took the money back out of my account. The amount was for {$74.00} to XXXX XXXX, who I had never purchased anything from in my life. I contacted Chase to get my money back. They informed me that I needed to contact XXXX XXXX to get my money back. I contacted XXXX XXXX and they informed me that they do not reimburse fraudulent purchases and that my bank should refund me. XXXX XXXX also informed me that my transaction should have been pending on the account ( which it was ) and the bank should not have authorized the purchase and the item would not be shipped. I contacted Chase Bank and they provided me with an address as to where the product was shipped to but basically made it my responsibility to do the research on something they should have never released my funds on. The item was shipped to another state. I filed a police report with my local police department and Chase told me that I have to send them the copy of the report, instead of them obtaining it. I had to take half of the day off work in order to work on this situation, when this should have never been a situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WV).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I applied for XXXX Loan forgiveness and was denied even though I meet all the requirements. I also applied for REPAYE to lower payments and was denied for that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 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: Personal information incorrect

Complaint: Once again they have incorrect information [ report XXXX ] even though we submitted through your agency. All you did was take their reply and close the file. How many times do we need to repeat the process until the report is correct? This is causing us severe financial impact. Attempts to correct on line failed since they provided incorrect validation information. Attempts to call by phone failed as usual- 1- My name XXXX XXXX it is NOT XXXX XXXX XXXX XXXX XXXX. 2- XXXX XXXX XXXX is not ours. and not a savings plan. It was a retail purchase paid to XXXX balance months ago! Basically all debts paid down and still a miserable score and incorrect reporting! Same issue with numerous inquiries, missing Security hold but they have a " State Legislation '' hold on the account- remarkable. XXXX XXXX XXXX XXXX mortgage since XXXX 2017

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 05/13/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: The gift card I bought was already used up so there was no money/balance on the gift card and American Express is refusing to help ( it is an American Express gift card ).

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On XX/XX/2018 I sent a certified letter to Experian informing them I had several wrong names and addresses on my credit report and asked them to remove them. I provided my correct name and address, along with a copy of my driver 's license, social security card and my utility bill proving my address. I received a copy of my credit report about three weeks later stating they " resolved '' the issue, but all of the information I requested removed remained on my credit report.

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 11/26/2015 about Credit card () with STERLING JEWELERS, INC. (WI).
Issue: Delinquent account

Complaint: kay jewelers continues to change the status of my former charge account to open in collections when it was included in bankruptcy and discharged. this is causing me harm in trying to repair my credit and get new credit. it just caused me a XXXX point drop in my fico score by there reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I moved out of my apartment and had a disputed balance owed. The company sent me the final amount owing and after negotiating we agreed on the amount owed. We also agreed on XXXX payments that would pay my account in full. After agreeing on the payment schedule they informed the credit bureau that I did n't pay in full. I have the letter that says it 's paid in full from them. They will not contact the bureau on my behalf and said its up to me to resolve. I have the emails that show I was waiting for an accounting of the balance owed before I paid. When they said I could pay in two payments I thought this as resolved. I told them how important my credit score was to me. Not sure what I can do to get this off my bureau?

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