milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: BANK OF AMERICA WRONGFULLY AND ILLEGALLY FORECLOSED ON THIS HOME Banks are n't supposed to foreclose on homeowners until they 've exhausted all available loss mitigation options. Per one of my conversations with the Escalation CEO office Department, XXXX XXXX on XX/XX/XXXX, the file WAS in an evaluation process. Currently there is a scheduled sale date set for XX/XX/XXXX and we feel that the sale should have been postponed due to the ACTIVE MODIFICATION REVIEW. Even if the modification were to be denied a few days or hours before the foreclosure sale, the homeowners still has the right for a 30 day appeal time frame or to decide whether they want to do a Short Sale, Deed-in-lieu or reinstate the loan. NONE of these options was granted to the homeowner and this is violating the laws. Only 10 days before the foreclosure sale ; Bank America needed a new updated signed RMA form, Homeowners association statement and the breakdown of the payments for the creditors on the bankruptcy, and the XX/XX/XXXX income tax returns. Why did the representative, XXXX at Bank of America, neglected to tell me that even though they were asking for more documents, that it really did not matter since the sale date was only 10 days from now and that per FHA guidelines, all the documents needed to be turned in 37 days before any foreclosure sale? WE DID NOT EVEN KNOW OF MORE DOCUMENTS THAT WERE NEEDED 38 DAYS AGO, UNTIL 10 DAYS BEFORE THE SCHEDULED FORECLOSURE SALE. I called Bank of America, and was confirmed that all the documents were received and that the file was in the underwriting department and that a postponement request had been submitted since all the documents were turned in. An appointment was scheduled with XXXX XXXX, the single point of contact for XX/XX/XXXX. 
On XX/XX/XXXX, I spoke to XXXX XXXX, for which he advised me that all the documents were turned in with FHA and that a postponement was submitted that past Friday XX/XX/XXXX and that the chances of the sale to be postponed were " pretty good since all the documents were in '' Nobody during our previous conversations, including XXXX XXXX, had told us about that specific 37 day time frame plus of any other documents needed until about 10 DAYS BEFORE THE FORECLOSURE SALE DATE. 
It 's not supposed to work that way. Under the federal program, which requires servicers to follow a set of guidelines for modifications, servicers must give borrowers a written denial before foreclosing. Bank of America is breaking the laws and not abiding by 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 08-06-2015 about Credit card () with AMERICAN EXPRESS COMPANY (WI).
Issue: Billing disputes

Complaint: I applied for a American Express Card with my mother at XXXX in XXXX Wi XX/XX/XXXX my mother recently passed on XX/XX/XXXX in which I was able to make a payment in XX/XX/XXXX. I received the next monthly statement like usual in which the payment was due on the XXXX of each month I phone American Express to make a payment and was transferred to the deceased account department I explain to the representative that informed me that I had to make the payment in full that I was not able to make the payment in full and would need to set up a payment arrangement and continue making monthly payment the representative ask my a couple of more questions about my mothers estate in which I informed her that there was no estate but my name was on the account and I would need to continue making monthly payments for now the representative told me that was n't a option and told me to have a nice day and hung up I continued to contact American Express like every week to make arrangement and was transferred to this deceased department I was denied a chance to make payments on a monthly basis now I have been sent to a credit agency and the account in now in collections and I have negative reporting on my credit I set up payment arrangements with this company who gave me a number to call to stop the negative reporting I was then told that the negative reporting would continue until the balance of XXXX is paid in full I could not believe that American Express would treat a loyal customer this way I have never missed a payment and this account was current up until my mother passed and I was not allowed to make a payment unless I pay the balance in full in between my calls to American Express I did some research on their website in which it clearly stated that you could have the deceased person name removed and continue making payments I was not given any options what so ever I also explained that my mother never used her card I was the only card user but when we applied my mother had more of a credit history and was named the primary on the account I would like the negative reporting to stop immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (GA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: paypal is jamming cards onto your account just like XXXX XXXX jammed new accounts. Today its very difficult to get through a paypal payment transaction without misleading popups tricking you to take a CC card.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I disputed about 13 transactions on my account dating from XX/XX/XXXX through XX/XX/XXXX. For the total amount of {$5100.00}. The reason why i am disputing these charges is because the merchant failed to provide expected services, Services not rendered and inadequate customer service to resolve any issues. I had annitially filed my complaint back on XX/XX/XXXX. I had filed a dispute for all those charges. I was told to wait 7 /10 business days. I waited 10 and called and they stated that they were filed wrong. I was angry that they did not file the paperwork properly. I filed a new dispute and had to wait another 10days. It had seemed that every person who i spoke to during thus whole ordeal that i asked names of and phone numbers all had a different story to tell but nobody had the information correct. After almost a month of filing paperwork they are still not providing me with sufficient evidence in regurds to my dispute. I have cought them in lies and deceptive behaviour a number of times.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Late fee

Complaint: Have been charged late fees since May 2016 by BP, Synchrony Bank. I pay my credit cards, online through my bank, and since we are retired and receive Social Security ( SS ) the XXXX and XXXX of each month, I pay them ahead, usually the XXXX or XXXX of the month for the next months bill to avoid late fees. I noticed the above statement for XXXX, 2016 had a late fee. I called them and they said any money they received after the due date, but still in the present month is credited to that month. They consider my payments as late, not in advance. The account was originally made by us with XXXX, not Synchrony. Since I only view my statement once in awhile, I did not realize they were doing this. First I never received a notice stating the change of companies and/or stating the change in payment rules. XXXX never required me to pay ahead in the month it was due. I always enter the date for the payment to be credited for and they obliged. How can I get help about this, since the only one I have been able to talk to is in the XXXX. I asked for a supervisor, the first time and was told I needed to get my husbands permission to discuss it any further. The second time, today, I waited on the phone at least 15 or more minutes and still no supervisor. 
Are there no banking/credit card regulations regarding this to protect the consumer from literally be robbed of funds? Please help. I ca n't find anyone at Synchrony to communicate with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-09-2017 about Debt collection (I do not know) with Eastern Revenue, Inc (IA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I was n't sure how to code this with the choices beforehand, so forgive me if I chose the incorrect options. I was contacted by Eastern Revenue alleging I owe about {$2800.00} for a Perkins Loan from XXXX University. I had consolidated loans a while back and thought this was put into that. The caller, XXXX, and his supervisor, I think his name was XXXX, INSIST they can consolidate this in for me but only if I give them my login information to studentloan.gov, where you can consolidate or defer, etc .... I refuse to hand over my personal access to my student loans online like that. I am capable of calling to verify if I indeed need to consolidate this one as well or make some arrangements if it indeed is owed. I told them I would handle it and I would not be handing over my personal access to my online student loan information. They both got snippy with me and said that it 's my problem if I want them to just collect more interest and they are the only ones that can help me. The supervisor was very condescending and near threatening that I 'll just pay more money to him because I wo n't allow them the access. I called the student loan servicer and they agreed to NEVER hand over the personal access, which I knew and had not done. They also advised to tell them to not call me and said all my loans are consolidated as far as they can see. I left a message with XXXX to NEVER call me or anyone about me again ; I would handle verifying my info and making any necessary arrangements if needed. I am reporting them because they called me at numerous places, including my job, and did not verify who they spoke to when I answered at my job. They also insisted that I MUST allow them to have a code sent to me and hand over the code allowing them to unlock my online student loan information. They are unethical and scammy. I felt very uncomfortable. As of now, I have told them to never call me again or about me again. Today is XX/XX/XXXX 2017.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was told that XXXX XXXX had reported on my report as themselves and XXXX which neither is the originator of the loan. The originator which was XXXX XXXX was shut down due to illegal loans. My first payment was suddenly to XXXX XXXX as they say they sent confirmation of this. After I had them stop calling harrasing me at my job, XXXX is now trying to collect and I know they have been calling my office and cell phone not leaving a name after I have reported them and their affiliates to cease and desist with all contact except in writing. It is listed double on my report and I want it noted that they are not licensed in my state to do loans per the Alabama XXXX. They are all the same people. I have researched this and many states are filing suits for these illegal loans with interest rates above state laws where this company has been collecting from consumers illegally. XXXX XXXX and XXXX are affiliates. I was told to submit complaint with CFPB and if no positive response to refer back to them. Per the dept as they have been working on these predatory lenders, and if many states have already figured this scamming out, I 'm sure our state will get it done too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (VA).
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  XXXX   XXXX ,   XXXX   I went t o Virgin Americas w ebsite to look into booking a flight on their airline. Through that process I came across a credit card and decided to apply. I was instantly approved with  a credit score of    XXXX . About a week later my new card arrived in the mail and as I attempted to activate it and make a purchase I realized that the card was not working. I then reached out to Comenity Bank who issues  the Visa and  they explained to me that my account had been closed and a letter would be mailed to my house. Come to find out the account was closed due to the product not being offered anymore through the bank and company due to the merging of them and another airline  XXXX . I have reached out to Comenity Bank to get them removed the inquiry and account off of my credit report to no avail. I should never been allowed to apply for their credit card if they never intended for me to own it and therefore it would have never resulted in an inquiry and account. I have filed a dispute with  XXXX  of the credit bureaus but its a lot of work to try and get them all done and I need my governments help with the matter as this appears to me to a violation of  the Truth in Lending regu lation due to it being a deceptive practice that result in real damages to my credit scores across the board. Thank you -  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I requested validation of a Title IV-D claim based on my recent discovery of fraud ( concealment of material fact ) and was informed by Office of Temporary Disability Administration that Dept. of Health Human Services, NYC Human Resource Administration, NYC Office of Child Support Collection Services, NYC Support Collection Unit are " Not Subject To '' the Fair Credit Reporting Act 1681e. ( b ) Accuracy of Report ; 1681i. ( 2 ) ( B ) Prompt Notice of Dispute to furnisher of Information ; ( 5 ) Treatment of inaccurate or unverifiable information ( A ) ( i ) delete said information or the Fair Debt Collection Practices Act. 1692g. Validation of debts ( a ) ( 1-5 ). No governmental agency mentioned above would or could validate the existence of a contractual obligation or furnish the original instrument that created a debt. Their is no validation of a debt. I also have certified copies that no judgement ( s ) were entered within XXXX XXXX County & XXXX County Clerk 's office pursuant to FCA 460 ; CPL & R 5012,5014, 5016, 5018 & 5041.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I pay for credit report access from  XXXX . They reported my score as  XXXX . I requested a loan and they reported an experian score of  XXXX . My bank offers free credit score information. It said my  XXXX   XXXX  score was  XXXX , Equifax  XXXX . Why the significant variations in my score? Why are the scores I paid for inflated or the scores reported to lenders undervalued? I feel like its intentional to offer me terms that would cost me more.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Medical) with Senex Services Corp. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Senex services continues to drag their feet validating this debt i 've contacted oringinal creditor and they stated i have a zero balance and they have not sent anything to collection with my name a ssn # it 's been over a month since i requested validation from them and i keep getting the run around, but yet they can verify to the credit bureaus that the debt belongs to me and negatively impact my credit score for a debt that i do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I disputed incorrect information reported on my credit report and asked for verification of debt. I did not receive validation and verification of debt. The debt is with Navient and US Dept of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Checking or savings account (CD (Certificate of Deposit)) with DISCOVER BANK (AL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XX/XX/XXXX I telephoned Discover Bank that I would not renew my Certificate of Deposit ( CD ) which would mature on XX/XX/XXXX. I requested that the matured value in the amount of {$170000.00} be returned to me. 

On XX/XX/XXXX, approximately two weeks after the CD maturity date I had not received the money and I phoned Discover Bank and complained. The Bank account service person ( ASP ) acknowledged that the check had not been cashed and said that a new check would be issued. 

On XX/XX/XXXX, having not received the money, I sent a certified letter to the CEO of  Discover Bank stating my complaint. A copy of the letter is attached elsewhere in this document. 

On XX/XX/XXXX I still had not received the money and again complained to the bank. I was again told that a new check would be issued. I said that I should receive compensation for the banks unreasonable delay in returning my money. The ASP said the bank would deposit twenty dollars ( {$20.00} ) in my savings account as full restitution. I declined the offer. 

On XX/XX/XXXX I received an Extremely Urgent XXXX delivered package containing the check -- -28 days after the CD maturity date. I am now again requesting that Discover Bank compensate me for the unreasonable delay in sending the matured value of my CD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX Date XX/XX/XXXX Amount : XXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX AmountXXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Mortgage (Home equity loan or line of credit) with Caliber Home Loans, Inc. (DE).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to another company and the mortgage payment went from arouond {$520.00} a month to over {$1000.00} a month. Is this legal? I have tried to get information as to why the change has occurred but no one can tell me why the payments have doubled. I have been fighting with the new lenders since XXXX. Now my mortgage is in jeopardy of foreclosure. I 've been with XXXX XXXX since the loan was taken out in the XX/XX/1990 's and now they sell my mortgage and I 'm getting punsihed for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2017 about Consumer Loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: A XXXX XXXX keeps calling me from XXXX and calling me a loser when all I am doing is trying to get their address to give to my attorney. I keep getting hung up on and called names when I am just trying to get their address and company name. It 's for a Cashcall loan that is n't even on my credit report anymore

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Signed up for free trial with XXXX ( experian ). I cancelled the account within a week yet they continue to bill my credit card. I am not sure who runs this organization ... but they are scam artists. I have confirmations that my membership is cancelled. Everytime I call they say I have a free membership but they continue to bill. I can get through to an operator because they say I have a free membership. I even get emails three times a week to update my credit info. I am not sure how they get the charges processed with my bank. I think they must have used my information from my file without my authorization. Please help ... ..I can't afford {$360.00} a year.

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 06/25/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (NE).
Issue: Loan servicing, payments, escrow account

Complaint: Paid off a loan with Ocwen in the amount of {$110000.00} by wire on XXXX XXXX, 2015. Since that time they have sent XXXX new payoff quotes, each time increasing the amount due. They have assessed a property maintenance expense in the amount of {$1200.00}, {$1000.00} of which accrued in XX/XX/XXXX and XX/XX/XXXX after the closing. I was at that property every day and no representative from Ocwen ever showed up there. I spent a fortune preparing that property for sale. There was no maintenance. I was in possession of the property. Ocwen has deliberately and wilfully suspended this payment refusing to properly apply it to the loan and clear the amount all the while accruing interest and charging a fraudulent fee of {$1200.00}. 
I

Company response to consumer: Closed with explanation