milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/20/2016 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I was charged a late fee of {$22.00} from Quicken Loans because I made my payment late by 31 minutes. I contacted Quicken Loans about removing the late fee as I made it on the last date of my grace period, and they refused to remove the late payment. I then asked them to send me confirmation of my payment being late, and they also refused to send me that. I feel it is pretty rotten of a company to charge me a late fee of {$22.00} and then not even bother to send me documentation that the payment was late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX Account Ending in XXXX This card reflects delinquency in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, this account has payment protection on it. First, the card had been  attempting to collect on the delinquent payment and knew it was due to a job loss, but never applied the credit protection program that I had been paying for ( a subsequent bill is attached showing the charge for credit protection ). <P/>Specifically, please pay attention to pay 5 of the attached where it reflects the charge for the credit protection as : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1.00}, I have had this protection program since the accepting the card. <P/>Additionally, once the payment protection program was contacted they were to make all back payments, as well as remove the negative marks as it was an essential part of acceptance of the credit card as I had a reasonable expectation under the UCC section 2-201, that the minimum monthly payments would be made during the time of my job loss, and no derogatory marks be reported at inception and as a result of the promises made by the credit protection team. Further, the fact that XXXX XXXX XXXX attempted to collect on the debt knowing I had lost my job and not applying the credit protection program during our first communication in XXXX is a violation of UCC section 1-304, as XXXX XXXX XXXX was acting without good faith and with unclean hands.

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 08/15/2017 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: I have disputed with all three credit bureaus about the original creditor, XXXX XXXX, inaccurately reporting on my credit report. The results always came back verified, never with an explanation from the credit bureaus. I decided to dispute directly with the creditor and I was unable to get a response. I sent a dispute letter to the address listed on my credit reports for the original creditor. The mail was sent back to me as " not deliverable, unable to forward to address ''. If this is the case that means the credit bureaus never investigated my dispute which means there is nothing they could have verified. I do not think it is fair that the credit bureaus are allowed to continue reporting this inaccurate information. It is their jobs to make sure information is reporting 100 % accurately and anything inaccurately reporting must be removed. I am requesting this inaccurate account is removed from all three of my credit reports Transunion, XXXX and XXXX immediately! I would also like a letter and updated copy of my credit report once this has been completed.

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 01-12-2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX, I tried to open an account with XXXX. I was denied and told to contact XXXX Services for the reason as to why. Upon contacting this company, I was informed that my checking status was in good standing, but I was being flagged because my social security number is being used as a Business Tax ID at Bank Of America. I have contacted Bank of America numerous times, only to be told to go here and there and to do this and that, but they were unwilling to resolve this issue. I have never banked with Bank of America nor do I have or have ever had any type of XXXX account. I was told by Bank of America to go into XXXX of their branches and tell them to be removed from a duplicate XXXX ID. Upon doing so, Bank of America then told me that I needed to contact the IRS about my social. I contacted IRS who told me that my social is not and was not flagged and to contact Bank of America since they are the ones who has my social mistyped as a tax ID. Upon contacting Bank of America again, I was then told by customer service to contact my Financial Institution which is XXXX ( I have been a loyal customer to XXXX for XXXX years ) and file an identity theft Affidavit. I went into a XXXX Bank branch on XX/XX/XXXX and filed an identity theft affidavit as I was advised to do. Today, XX/XX/XXXX I contacted XXXX of the Identiy theft department of Regions who advised me that I needed to contact Bank of America yet again and possibly file an Identity Theft with them since they are the ones who potentially transposed my social security number and used it as a business tax ID. So, i proceeded to call Bank of America yet again after XXXX phone calls total, only to have them type in my social security number yet again and tell me that it is still coming up as a Business Tax ID number with someone else 's name and a different state and told me to contact my bank ( XXXX ) to start identity theft so they can remove the Tax ID from my social. So, After the numerous back and forth efforts I decided to file a complaint because no one is helping me due to something that is to no fault of my own. I have never banked with Bank of America and I have never had any type of business. This is affecting my life because I ca n't conduct my personal affairs for being flagged for something that I have no knowledge of.

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 12-04-2015 about Bank account or service (Savings account) with BB&T CORPORATION (VA).
Issue: Deposits and withdrawals

Complaint: My savings account was involuntarily closed after the financial institution claimed that my overdraft protection exceeded the XXXX per month - preapproved transfers for a period of 12 months. In order to avoid any returned checks or transactions, I was prohibited from making any transfers of my own. This allegation that I exceed the XXXX transaction per month is the furthest from the truth and has caused me financial hardships of authorized e-checks being returned, my account being charge overdraft fees, and thus my checking account going into the negative. The intent of the overdraft protection is to avoid overdraft fees in the amount of {$36.00}, by having any debits that exceed the checking account balance to be extracted from the savings account. I was unaware of any limits per month - not to mention, I have not exceeded the checking account balance more than XXXX times out of a 12 month period. Closing the savings account has cause even more inconvenience as I have a {$500.00} direct deposit going into this account on a bi-weekly basis and will have to re-channel this EFT, in addition, I will need to go into the bank and withdraw the monies into the savings as the account is no longer valid. Much of the confusion stems from the manner in which the financial institution process its transactions, debits/credits/bill pay, etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Closing on a mortgage

Complaint: Ocwen Loan Servicing and its young attorney XXXX XXXX continue to use forgery and fraud, void assignment violations of the notary laws, false documents, false principal balance, false payment history, manufactured forced place insurance policies, slander of title and trustee sale threats to force me into hundreds of thousands in increased none negotiable loan modifications to embezzle my property so Ocwen can temporally increase its revenue. Ocwen employees act like a bunch of incompetent children playing school games. I provided transcript evidence to Ocwen and its attorney proving the pretender lender loan servicer don't know the phony loan principal balance. My FBI forensic expert was denied access to the so-called original note in Ocwen Loan Servicing 's possession. The pretender lender loan servicer will not allow my expert access to the so-called note. Ocwen and its attorney XXXX XXXX are attempting to block my rights from having a fair jury trial so they can temporarily get away with embezzlement. Declaration of XXXX XXXX was filed in federal court this month ratifying the bureau decision to file a lawsuit against Ocwen Loan Servicing, then  quickly after Ocwen lawyer files motion for protective orders. How many more times will our leaders allow this XXXX XXXX candy factory pretender lender loan servicers fraudulent operation from continuing its white collar crimes in this country? I sent all my evidence to XXXX XXXX, XXXX XXXX, President Trump and Vice President Pence demanding our leaders to end Ocwen Loan Servicing and shady lawyers crimes in this country. Enough is Enough!

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying for the last 18 months to get a loan modification from SPS who is the servicing for XXXX. I have faxed and mailed documents to them for at least 12 months now. I have predotory lenders still on my account that should have been removed since 2009. My interest rate is over 12 percent. Sps has been given me the run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (Medical) with Nationwide Recovery Systems, Ltd (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX has some companies like XXXX on contract to serve their beneficiaries with their medical supplies. Based on my inquiries, I was assured by XXXX that I would not be charged out of pocket for the supplies or their services. Every time a shipment was mailed out to me I received a called most of the time from a gentleman name XXXX. Every time I say to him if I have to pay a copay do not send the supplies. For almost a period of XXXX year I was never notified of any unpaid amount, nor was I sent any bills along with the supplies. Out of nowhere, I received a bill from XXXX stating an unpaid amount for the supplies. Upon inquiry, I was not given a straight answer which led to my complaint with XXXX in XX/XX/XXXX. By XX/XX/XXXX, XXXX stopped responding to XXXX. In XX/XX/XXXX, XXXX closed the case. There was no communication from XXXX. Then suddenly in XX/XX/XXXX, I received a call from a collection agency attempting to collect on behalf of XXXX XXXX XXXX. Upon explaining the whole situation to XXXX from the collection agency, I was advised to contact XXXX. Upon several attempts to make contact, once delivering my information and the issue, XXXX hung up on me, this happened back in XX/XX/XXXX. I left several messages and finally, an agent XXXX XXXX XXXX, called me back on XX/XX/XXXX. She was extremely apologetic, and assured me that someone would contact me very soon to resolve this issue, but they had been very busy, which was why they had n't been able to call me back. It 's already been XXXX months and I have n't heard anything from XXXX or the collection agency ( XXXX ). Back in XX/XX/XXXX while speaking to XXXX I mentioned I will be contacting XXXX to make them aware of the issue with XXXX ; she laughed saying XXXX is not going to do anything. In XX/XX/XXXX I say to XXXX I was going to contact XXXX and make a formal complaint about XXXX, once again she said XXXX can not do anything about it. She was right ; XXXX does not even have a section where one can file a complaint against companies like XXXX 
I am tired of the harassment XXXX has put me through for 4 years. They lie over and over because they know nothing is going to happen. 
As per our talk ; I understand when you say is a matter of time ; and in the meantime what should I do? Keep my hands cross and let XXXX do to me and so many others as they please? 
XXXX has to be held accountable for their wrongdoings. I can assure you if we use media to find out how many more people have been treated the same way as I have, you 'll be surprised. XXXX has a count of just a few of them and even like that there are already too many. 
I will not tolerate XXXXs harassment any longer, it has to stop now because I do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/2007, we were duped by B of A on the terms of a XXXX mortgage, which they " converted '' to a HELOC, effectively raising our mortgage rate by XXXX 20 %. At this point, XXXX effectually made our loan a " credit '', or " unsecured debt ''. The payment amount was unaffordable. We tried to obtain assistance, even enlisting our local Housing Assistance office. XXXX process, including threats of foreclosure and harassing us and our children at our residence, forced us into declaring a Ch. XXXX BK. Our court-approved repayment plan lists this B of A debt as unsecured debt, and it was discharged at the time of our successful completion of the repayment plan to the trustee. Despite this, XXXX sold the discharged debt to a " debt collection '' mortgage company, who sold it to another, who sold it to another, who sold it to yet another. We contacted our XXXX attorney via email ( prior to our discharge, when he was still bound by contract to act to protect us ), and he contacted the then-creditor who was harassing us. He informed us that they had stated that they had coded our discharge incorrectly and that they would rectify their error, so that our credit would not continue to be negatively affected. This did not happen, but by then our case was finished, and the BK lawyer stated that he would charge us his hourly fee, which we could not afford, to work for the correction he failed to ensure while we were retaining him. Since then, each ensuing company sent us monthly statements that were harassing in nature. Nationstar is the longest-standing, most intransigent of those who are causing us three years of ongoing financial and personal damages ( denial of credit, higher interest rates, and severely limited housing options, to name a few civil damages ). On top of this, we faced a XXXX in the midst of this situation. Notwithstanding, we paid off our Ch. XXXX plan and received our Federal Discharge of Bankruptcy. We have personally spoken to Nationstar 's representatives on no less than fifteen occasions, each of which has cost us upwards of three hours of time. We have been given a new name of the " Dedicated Loan Specialist '' to contact on EVERY statement we have received, but none has EVER remedied the error. We have WRITTEN, FAXED, and CALLED. We have been TRANSFERRED, REFERRED, and ADVISED on how to remedy our situation by providing our court documents, statements, and contact information. We can think of nothing left to do but the possibility of filing charges against our own lawyer AND Nationstar. We hope that this is not our only option. We have simply requested, and now would demand, that Nationstar relinquish its unfounded claim, and if necessary, instigate further actions against the seller of this unsecured, bankruptcy-discharged debt, and cease and desist its unethical harassment of us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Deposits and withdrawals

Complaint: I gave a personal check to my daughter to cash, she does not have an account with Bank of America, she went to BOA in XXXX NC to cash the check. 
My daughter told me that when they were looking at my account they gave my daughter full view of my account details and she is not on my account and to make matters worse her boyfriend was there and saw my account as well. My daughter said anyone standing behind her could see my account as well on the big screen they had. This is totally a violation of my privacy of my bank information. I do n't think this type of behavior should be not addressed as identity theft is on the rise, etc and I think the bank should be fined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Debt collection (I do not know) with Halsted Financial Services, LLC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company sent me written communication about an alleged debt that I have with another company. I called the company and requested validation of this debt and they were unable to provide that. They stated that the account left their office 30 min prior to me calling in regards to the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: I had a ck came in my acct for {$170.00} funds was low they paid it and charge me {$35.00} over draft fee, then XXXX foe {$9.00} came in when i already have an over draft they that and cause another {$35.00}. They paid a {$9.00} fee and charge {$35.00} which i think is a rip off because a few XXXX ago i had a ck for over {$100.00} came in, funds was not there that got return unpaid and charge me {$35.00}. also they charge me another {$35.00} because my acct was over for over XXXX days, i think thats double jeopardy. bk of Amer is the only bank that does that. i dont think the government should allow bank of America to continue to rip off consumers, also i was not aware that they would be an extra charge for being over draft fee after XXXX days. i contacted the bank and they refuse to reverse that exessive charges. Bank of America have been doing grave in justice to consumers for years, they have charges that no other Bank has. They need to be regulated. Please investigate. thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-07-2017 about Debt collection (I do not know) with ERC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Repeated calls at XXXX or XXXX XXXX at night. Said that I have an arrest warrant for me that if i paid the debt they would cancel the warrant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have disputed this and demand legal verification. this is on my credit report and I disagree.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: on XXXX/XXXX/2017, I received a credit inquiry alert from Experian for the following credit inquiry : XXXX XXXX, the credit inquiry is fraudulent and unauthorized.

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 10/14/2015 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Servicer failed to respond to short sale request and then declined a full priced offer for no valid reason - gave us the amount they would approve then after receiving that amount declined - also never returned calls - did not process request

Company response to consumer: Closed with non-monetary relief