milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2017 about Mortgage (Conventional home mortgage) with FIRST COMMUNITY MORTGAGE, INC. (AL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On or about  XXXX   XXXX ,   XXXX  , I received a phone call from  XXXX   XXXX , a loan officer with my existing mortgage holder , First Community Mort gage. He wanted to chat with me about refinancing my loan and emphasized that there would be little cost to refinance. He also asked if I would be interested in folding in my 2nd mortgage as well. I told him yes, so we go the process started. He sent me the proposed terms as follows : 30 year fixed at 4.375 % with  XXXX  points Total cost financed with be only  XXXX , which with the skipped payment and savings are recouped in 4 months.   Payment with Tax and Insurance will be  XXXX  per month.   This loan will payoff both the first and the second loan and will save you  XXXX  per month.   As per our conversation, if you took that savings and added it back to the loan, you will payoff the home in 20 years on the dot.  <P/> I provided the appropriate information, signed the first disclosure of the loan terms, and paid for an appraisal, etc.  <P/> On  XX/XX/XXXX , I was notified that a  XXXX   XXXX  was taking over the processing of my loan. He sent a second disclosure in which the terms of the loan had changed and there was a higher closing cost involved. I wrote to him and said I had questions. Meantime, there were a series of calls asking for letters from my second mortgage holder, a request to have a conference call with the 2nd to get payoff, etc. For a period of time, I could not get in touch with  XXXX , he indicated he had been out of the office for a while. On  XX/XX/XXXX , I provided another form required for the loan.   On or about  XX/XX/XXXX , a third disclosure came which raised the closing cost to over {$6000.00} to be added into the loan. I wrote to  XXXX  and said I could not go through with the loan with these terms, it would not be prudent. He said he would check on it. He wrote to me on  XX/XX/XXXX  with the following information : It looks like because of the rate extension, it wiped away any lender credits associated with the loan. I can go ahead and withdraw the loan, if that is what you are still wanting?  <P/> No one ever disclosed to me that they had to do a rate extension and that it would have ramifications to the terms of the loan. In the end, I asked for my money back that I spent on the appraisal. I was solicited with a good offer, then because the process was not followed through with and there were delays, the terms changed and I am out over {$450.00}.  <P/> This was a bate and switch.

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 03-04-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problems caused by my funds being low

Complaint: I have an account with Bank of America and I am having discrepancies in my account. My account was overdrawn and I am being charged excessive amounts of bank fees. I have tried multiple times to get some sort of assistance in removing some of the fees that are being charged on my account, and they said that they were unable to help with any of those fees. 
I 've also tried to set up some sort of payment plan with BOFA so that when my Social Security direct deposit comes in the amount wont be taken in XXXX lump-sum, and they also were unable to access me with this request because I would need to cancel my direct deposit first. I 'm not quite sure as to why BOFA has the option for discrepancy and they were not able to access me in any shape of form. I asked a question about their policy and the representative was unable to answer my question but stated a customer service agent would. 
When I got transferred to customer service they also could not answer my question and said to me that the discrepancy department has given me false information. I then-after asked if they can assist me and creating a payment plan and was told by customer service that they have a department that can assist me with the payment plan. Customer service transferred me to a collections agency that told me that customer service also gave me false information. 
I am single mother of a XXXX year old XXXX receiving a pension of {$XXXX} once a month and in fees alone this bank has charged me a little over XXXX dollars in fees in just 2 weeks ; and the fact that BOFA 's collection agency stated that i needed to cancel my direct deposit in order to create such payment plan is just ridiculous. The lack of communication skills within this company 's ' departments shows why they have such a horrible review!!! 
I can not fathom how individuals would choose to work for such company. I am completely distraught with the assistance i have received 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 monetary relief
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 1 ) XXXX XXXX ( {$910.00} ) 2 ) XXXX XXXX XXXX XXXX ( $ UNKNOWN ) 3 )  Santander Consumer USA ( {$11000.00} ) 4 ) XXXX ( {$290.00} ) 5 XXXX XXXX XXXX ( {$1800.00} ) I did not authorize any of these attempts to collect any debt or to unlawfully report any negative account on to my credit report file. I need these items annulled and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: Take thhe frad alert off and the inquirments off i did not do them at all.

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 02-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: received a statement from Convergent Outsourcing , Inc. stating that I owed XXXX XXXX {$150.00} when I 've never had a XXXX account. I called XXXX to verify that I did not had an account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (DC).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Yes I was contacted by XXXX XXXX debt collection agency on behalf of Navient On the date of XXXX/XXXX/2017. I was told I was approved for a settlement offer, I informed the representative that due to the holiday I was short on funds available to me and that I could make a payment of 20 % of the settlement in two weeks. The representative was very confrontational for a " professional call  ''. 
At one point telling me that " you can get blood from an turnip if you squeeze in the right place '' and that because I had made this business transaction with Navient that gave her authority to " be in my business. Not only did I take offense to her call but I also felt intimidated with the tone. The caller was at my throat like I was n't the one who contacted them in the last six months, like I was n't the one who made a payment in hopes to settle my debt in the last six months not mention I explained I just started a new job less then two weeks earlier on another call.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Other fee

Complaint: I currently have a Macy 's store credit card. Although, I have a XXXX balance on my card, it says that I owe a {$2.00} finance charge. I paid the credit card off last month and did n't use it. I do n't understand how I have this finance charge.

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 06-12-2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was ACH into XXXX XXXX XXXX XXXX credit account instead of the right credit account known as Amex Standard and no longer XXXX XXXX XXXX ( debt buyer/debt collector ) without a signed agreement with the borrower. After the mistake was recognized, in which the XXXX XXXX XXXX, now known as the XXXX XXXX XXXX XXXX, transferred it after the payment date into the XXXX XXXX XXXX, now the debt buyer Amex Standard credit account several credits were made. But then the consumer 's automated default was never removed and it continued to produce late fees and interest owed with defaulting in original month, XXXX XXXX. I could n't get a response from Amex Standard, nor the XXXX XXXX XXXX XXXX, or the XXXX XXXX XXXX on either account/s after phone communications, Email communications, and written communications. I decided to stop paying after XXXX XXXX, because I could no longer figure out what I owed on the Amex Standard ( XXXX XXXX XXXX ) credit card. Their statements are impossible to figure out if you do n't stay current. There is no truth in their statements either, because I do n't owe money to a debt buyer as a retired person on social security benefits per the law, and other legal theories. I wrote to the CFPB and have a complaint against XXXX. This complaint is for Amex Standard ( XXXX XXXX XXXX original debt grantor ). See, my correspondence. This involves XXXX bank accounts and cut-off procedures, and the unwillingness of Amex Standard to be cooperative with the federal and state consumer protection laws.

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 07/18/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I signed up for a checking account that offered {$250.00} bonus after doing XXXX debit card transactions within 60 days.
I fulfilled all the requirements and still have not received the {$250.00} bonus even though the welcome letter I received from Wells Fargo clearly states that I am eligible for the bonus. Since they have failed to meet their part of the advertised requirement, I believe that Wells Fargo is guilty of false advertisement.

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 05/30/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Satisfied Judgment Filed XXXX ; XXXX XXXX XXXX Cour ; Case or ID # XXXX ; Defendant XXXX ; Not mine wrong person ( My name is XXXX XXXX XXXX Amount ) {$630.00} ; Plaintif XXXX ( XXXX ) XXXX credit report changes each month with information not belonging me its gets Deleted then re-add UNIVERSITY XXXX ( Auto ) {$1300.00} UNIVERSITY XXXX $ XXXX ( other ) XXXX XXXX XXXX XXXX ( Other ) {$46.00} XXXX XXXX XXXX XXXX ( Auto ) {$200.00} XXXX XXXX BANK XXXX Opened Date XX/XX/XXXX NOT MINE, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX NOT MINE XXXX XXXX XXXX, XXXXXXXX XXXX NOT MINE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NOT MINE No proof of debt validation of a debts I do not owe AND basic inaccuracies on my credit report with Immediate effect now, EQUIFAX has not only been evasive over my report, they have never once provided the requested and official documentation required by law, nor have they corrected or prevent this wrong information the information, Not once have they provided me valid proof that it was mine NOR that I had a contract with either of this company, nor have they corrected the information. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. That the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I have repeatedly asked them to provide the following, below ( items 1-6 ) but would not disclose how they got any of my information in the first place : 1. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. I intend to sue Equifax if all these are not removed from my file, this clearly shows Equifax is reporting Wrong information and other people 's information on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Customer service / Customer relations

Complaint: I received a XXXX Form XXXX from Department Stores National Bank, XXXX XXXX, SD for default on a Macy 's Credit Card. I sent a letter on XX/XX/XXXX asking for a corrected XXXX showing this was cancelled ( copy attached ). I have never had a Macy 's Credit Card. On XX/XX/XXXX, I received a letter from the IRS ( copy attached ) and subsequently sent a letter to the Payer 's Name listed in the IRS letter asking for a corrected XXXX. The letter was returned undelivered. The IRS is billing me f for taxes on this bad debt which does not belong to me. 
I want a cancelled XXXX clearing me of this debt that I do not owe along with a copy of the credit application showing where, when and by whom an account was opened in my name.

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 01/15/2017 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I enrolled at XXXX XXXX XXXX on XX/XX/2016 in the XXXX program. 5 weeks later, on XX/XX/2016, the school closed permanently without notice. A letter was posted on the school 's website informing all students and staff that the school had closed. When I enrolled, I had to get a private loan, from the school, that they are saying I am now responsible for, even though I never even finished one term. I never received one credit from the school, as we were still 3 weeks, from finals. When I contacted the loan company, they said there was nothing they could do and the loan had to be paid back because they gave the funds to the school. When asked should n't the funds been sent to me and I sign the check over to the school, I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Rewards

Complaint: I opened an American Express XXXX ( Amex ) credit card. Amex advertised bonus starpoints of XXXX for a friend referral. On XX/XX/2016, I contacted Amex to explain technical issues with their website prohibiting my friend from applying. I spoke to XXXX at Amex, ID XXXX, who asked for my friend to apply and that the points XXXX would be awarded later ( that I would get credit ). This never occurred despite my follow-up phone call on XX/XX/XXXX with XXXX ID XXXX. I am owed XXXX bonus starpoints for referring my friend, XXXX XXXX, who became an approved Amex cardmember as a result of my direction. 

I am also owed an additional XXXX bonus starpoints. On XX/XX/2016, I explained to the representative, Amen ID XXXX, that I had also referred my friendXXXX, and that I never received bonus points for that. Amen stated that he was sorry and would award me XXXX bonus starpoints. Unfortunately, I only received XXXX bonus starpoints. I am owed XXXX bonus starpoints as a result of the promise of the representative, Amen, on my conversation on XX/XX/2016. 

In sum, I request that Amex provide me XXXX bonus starpoints for the XXXX issues explained and to force them to comply with the terms of their consumer debt services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: When I was married, I filed bankruptcy in XX/XX/XXXX It was a 5 year bankruptcy filed & during that time the Student Loan ( I took out at the time for my XXXX college student kids ) was put into forbearance. The bankruptcy was discharged in XX/XX/XXXX. During this time of forbearance the original loan of approximately $ XXXX had now been gathering interest so the total after the bankruptcy was now approximately {$18000.00}. Which was described in a letter to me from Navient. I did n't know who they were & why they had taken over the loan. I called them on the phone & I told them I wanted to refinance or do something to help me pay it as now I was divorced & could n't afford the payment of over $ XXXX a month I suddenly received XXXX weeks before it was due. They told me they do n't refinance federal loans & I had to pay the new amount now that my bankruptcy was discharged. I got divorced in XX/XX/XXXX I 'm on a limited income now & they did n't care. They said the only thing they could do is put me into a deferred loan now where I could pay them {$180.00} per month for 2 years so I could find another way to repay this. After these 2 years I 'm gon na now owe them {$260000.00}. When I 'm done paying them they expect to be paid {$45000.00}. I do n't understand how a federal loan is making all this interest yet not helping the public repay them. My XXXX kids have more loans they 're trying to pay back themselves. I 'm a co-signer on some of them. They harass me calling XXXX times a day to try to get my kids to pay their loans faster. They 've ruined my credit with all of this. My kids & I have XXXX loans we 're paying off just with Navient totaling {$70000.00} ; which does n't include the other student loans my kids are still paying to other companies. They also have tried to refinance with them & are going to put a claim into you also for this unfair student loan company. 

The American families are just trying to pay their bills & make ends meet living paycheck to paycheck. We need help!!! Please!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Student loan (Federal student loan servicing) with ACS Education Services (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Confirmed IBR application and amount to be deducted for XXXX loans prior to XXXX 2016 payment due dates. Despite IBR approval, ACS deducted the full regular amount for XXXX loan -- being almost {$400.00} more than authorized. ( Deducted {$540.00} despite IBR payment owed {$160.00} ) I called and was told it would take XXXX days to issue a refund. I complained and they said they would expedite the refund. The payment was automatically withdrawn from my bank account on XXXX XXXX. I was told they would expedite the refund on XXXX XXXX and mail -- not refund directly to bank as I requested -- a check, but it 's now XXXX XXXX and I still have not received my refund. They adjusted the payment records on my account, but the money has n't been refunded. They 're charging me interest on that loan but keeping my money. 
Also, they incorrectly reflected my IBR payment for that loan. Now my account has the incorrect amount listed as the IBR amount owed. It shows both accounts being the same payment, when the corrected amount authorized by IBR was a few dollars higher. I do n't want to get a bill at the end of the year for the overage due to their mistake, again. 
{$400.00} could mean rent, car payment, food, etc. They are keeping my money -- interest free -- for over a month despite admitting they took too much.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because XXXX, Transunion, XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( A ) of the FCRA -they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you

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 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Equifax has my married name on my report, yet I have requested that to be changed several times. The response to this action is that creditors are allowed to change this information at their discretion. As well, there are phone numbers on my file that do not belong to me as well as debts on my  XXXX  file that have been cleared with all other reporting agencies. My goal is to have all of my credit reports consistent with the proper information during the process of repair, which I am currently engaged in. I have experienced issues in accessing my account online as well as dispute claims not being addressed within the proper time limits.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: BETWEEN XXXX XXXX,2017 THRU XXXX XXXX,2017 I HAVE OVER XXXX UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT I SENT LETTERS TO ALL .AND ASK TO BE REMOVED FROM MY CREDIT FILE. IF YOU SEE MY CREDIT FILE YOU WILL SEE I HAVE HAD FRAUD ACTIVITY BEFORE ON MY ACCOUNT WHERE I PROVIDED A POLICE REPORT. PLEASE REMOVE FROM MY CREDIT FILE THESE UNAUTHORIZE INQUIRES

Company response to consumer: Closed with explanation