milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/17/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: MISSING A {$130.00} OR MORE FROM MY BANK ACCOUNTS BEGINNING ON XXXX XXXX, 2016 XXXX XXXX XXXX PAYMENT REQUEST CAME IN FOR XXXX THE BANK TRANSFERRED {$40.00} FROM MY LINKED OVERDRAFT PROTECTION SAVINGS ACCOUNT AND ANOTHER {$20.00} FROM MY REGULAR ASSIGNED SAVINGS ACCOUNT BUT INSTEAD OF PAYING THE MERCHANT REQUEST AND CHARGING THE BANK {$5.00} TRANSFER FEE. 
THE BANK RETURNED THE MERCHANT ITEM AND CHARGED AN INSUFFICIENT FUNDS FEE OF {$35.00} WITH THE TRANSFERRED XXXX ( IMPROPER ACTIVITIES ) ADDITIONALLY ONCE XXXX MERCHANT REQUEST RETRY CAME IN ON XXXX XXXX, 2016 OF XXXX THE BANK USED FUNDS FROM MY CHECKING ACCOUNT TO PAY MERCHANT. 

SECOND PART : XX/XX/XXXX ; CONCERNING THE BANK BILL PAY DEPARTMENT. 
FEED THE CHILDREN {$37.00} and RELATIVE CHECK {$100.00} TOTAL DUE. {$130.00}. 
I ALREADY MADE ARRANGEMENTS WITH THE BANK BILL PAY DEPARTMENT. 
BECAUSE MY EMPLOYER HAD ERRONEOUSLY MISSED UP MY BI WEEKLY DIRECT DEPOSIT CHECK I WAS GOING TO MY EMPLOYER HEADQUARTERS TO GET A PAPER CHECK FOR MANUAL DEPOSIT INTO MY BANK ACCOUNT TO COVER THE NEGATIVE - {$130.00} BALANCE. BUT THE BANK IMPROPER CHARGED ME XXXX SEPARATE INSUFFICIENT FUNDS FEE OF {$35.00} FOR EACH BILL PAY ITEM. AS THIS IS NOT RELATED TO A RETURN MERCHANTS ITEMS FOR AN INSUFFICIENT FUNDS FEE CHARGES. 
ADDITIONALLY, THAT IS AN ILLEGAL BUSINESS BANKING PRACTICE. 
TO CHARGE A BANK FEE PER EACH ITEM OF {$35.00},, IF THE INSUFFICIENT FUNDS FEE WAS APPLICABLE, THE FEE OF ONLY {$35.00} WOULD HAVE COVERED BOTH ITEMS FOR THAT DAY TRANSACTIONS, IN CONCLUSION : I HAVE SAVED TEXT MESSAGES IN MY CELLPHONE TO THE BANK CUSTOMER SUPPORT UNIT CONCERNING THESE ISSUES MATTER IN THIS COMPLAINT 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 03/28/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have contacted equifax requesting removal of XXXX off my credit due to it has been bought by another lender and the amount isnt correct, also when contacting XXXX i asked for a pay for delete they said they cant since it was bought by another lender yet when i sign into my XXXX account its still showing i can may balance. It should be removed for false details. It still remains on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I became aware that Portfolio had multiple entries on my credit report. I initiated a dispute via the CRA and received a form letter with a dollar amount and name of original creditor. I wrote back and referenced Michigan Fair Debt Collection Act Sec 918 which states that Collectors must furnish : Verification of the debt or any disputed portion of the debt shall include the number and amount of previously made payments and the name and address of the original creditor, if different from the current creditor, or a copy of the judgment against the debtor. 

As I was not notified that Porfolio assumed this alleged debt and only became aware of this claim through a review of my CR I requested the information that is to be furnished to me under Michigan Law ... specifically the number of payments and statements from the Original Creditor. In response to my request Portfolio has indicated that it feels that it has furnished the information ( form letter with amount owed ) and has stated that it will not investigate further and will not send any additional information. Portfolio further states that it will not consider any future requests and considers the matter closed. As Portfolio refuses to provide me with the information requested I am forced to file this complaint rather than trying to resolve it with them. Assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Mortgage (FHA mortgage) with Fay Servicing, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Fay servicing is n't in the business in helping people with difficult situations. They are into foreclosing on your property. They say they will help you not true! They are not going to give you the modification they said we have three choices lie! They only gave us one in Deed of Lieu! The Fay Rep promised many things!. They stalled us with endless requests from many forms, checks stubs, bank statements, profit and loss if you own a business through faxes that at times did n't work, emails and none of it will ever matter to them. Many times they said they never received the docs and you had to redo all over again. Plus, they never had any new information or the rep would say I do n't know whats going on? Really? We are always in the dark about our whole loan. They want your house and they keep asking you for the same paperwork over and over until you run up the arrears on your mortgage and now your worse off then when you first started. They lie a lot! We asked countless times for the final payoff took them over a week and still do n't have it. They said you do n't qualify for the loan modification. He said its a 5.5 % loan so its going to be {$5000.00} a month oh no {$6500.00} oh but let me add this and this its {$7200.00} a month you cant qualify for the payment! These people are a scammers! They are abusing people and are into making money not helping people. it has been a major stressful time for one year! Filing a BK is the only way to save your house people are telling me. This should not be an option! XX/XX/2016-current dealing with these people! I work two jobs and dealing with this stressful situation!. They are taking the house and no resolutions other than Deed in Lieu! FAKERS and SCAMMERS! Worst People EVER! Who is protecting us? No one!!!!

Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On XX/XX/XXXX myself and XXXX other roommates leased a house for a term of XXXX year. During this lease the property fell into foreclosure and was bought by XXXX. When XXXX purchased the property they gave us the option to sign a new lease with them or they offered to honor the existing lease terms. My roommates and I decided to honor the existing lease that we had already signed which contained an {$1100.00} security deposit. There was no written agreement of any sort between XXXX or myself stating that they had decided to honor the previous lease. On XX/XX/XXXX we signed an " Intent to Vacate Notice '' which was then sent to XXXX. We received correspondence XXXX XXXX on XXXX XXXX stating he would conduct our check out inspection and that he would be leaving a key box on the door the following day. We never received a copy of the move out report and have been charged {$410.00} for property damage. I never received any notice by mail, email or phone about the damage. I XXXX became informed after XXXX XXXX a debt collection agency out of Florida called me and requested that I pay this debt. I received several phone calls about the debt and had asked to be sent a copy of the invoice for what XXXX was charged for said property damage. They claim that they sent a copy via mail in XXXX which I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: in XX/XX/XXXX I received a letter from regions bank which stated I had a certain amount of time to elect overdraft coverage. I assumed by not responding I would not have to do anything further since I did not want that coverage. In early XX/XX/XXXX my account was short by about XXXX dollars which snowballed into over XXXX dollars in overdraft fees. When I discussed this with a bank rep I was informed that I was automatically enrolled because I did not respond to the letter. I learned that regions was fined for this practice but is continuing to engage in this activity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-06-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Dear Madam or Sir, this is a complaint in regard to the XXXX companies providing credit reports/scores. 

www.annualcreditreport.comStatement says right under website headline : " The only source for your free credit reports. Authorized by Federal Law. " Complaint XXXX in regard to advertising on the website : Annual Credit Report is not the only source for a free credit report. Instead and like other companies, they provide the free credit report BUT charge the consumer additional money to see their credit score. There is no difference in regard to other companies providing this service. 
Complaint XXXX : Annual Credit Report claims to be authorized by Federal Law. There is no signed authorization by Federal Law that those XXXX companies can stand behind annualcreditreport.com as a monopoly. In addition, the foregoing and behavior is very much consumer unfriendly. 
Complaint XXXX : the credit report companies disclose different credit scores to consumers working with annualcreditreport.com than to lenders ( for example banks ), without notable or reasonable explanation to consumers. Usually the credit scores provides to lenders are lower than credit scores provided to consumers. Just to give you an example on how consumers feel in regard to the differences between consumer credit reports and credit reports disclosed to lenders ( feel free to check out the comments when scrolling down ) XXXX the Best, XXXX XXXX XXXX not sure if the above short notes make any impact, but I think that I am not the only one who thinks that there is something MAJORLY wrong and needs adjustment on FEDERAL BASIS. Worth fighting for. 
Desired : - no credit score monopoly- absolutely NO credit score differences between credit scores information disclosed to and paid for by consumers, and credit scores disclosed to lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (Medical) with Northeast Collection Bureau (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have provided proof that the debt was paid previously, it appears the debt was passed on to another collection agency and the payment not noted. I continue to be called and have a log of those calls.

Company response to consumer: Untimely response
Consumer complaint received 08/28/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: We are sending a Notice of Error as noted below. 
On XXXX XXXX, XXXX we requested the loan to be de-escrowed from the account. 
On XXXX XXXX, XXXX the cancellation for the ecrow account was granted. However, as of XXXX XXXX, XXXX we have not received a revised statement on XXXX XXXX, XXXX showing how much we needed to pay monthly that due on in 15 days or a refund because our Escrow was cancelled. 
From our records it shows that the Statute of Limitations has expired for the debt. As required by New York and Federal law, Ocwen Loan Servicing , LLC has not provided a disclosure statement before accepting any payment. Furthermore a disclosure was not provided in the communication accepting our monthly payment. This loan in question is not enforceable as part of the Fair Debt Collection Practices Act On XXXX XXXX, XXXX XXXX XXXX Department received proof of payment we made from XXXX XXXX through XXXX XXXX that was not applied to the account along with proof that Ocwen was servicing the loan in XXXX XXXX. This information in noted on the credit report. 
On XXXX XXXX, XXXX XXXX Securities and Exchange Commission, XXXX XXXX XXXX XXXX XXXX XXXX and Ocwen Loan Servicing LLC received proof of payment we made along showing that payments were accepted by Ocwen that was not applied to the account REQUEST FOR PAYOFF STATEMENT PURSUANT TO 15 U.S.C. $ 1639g of TILA 7 ( seven ) business days to respond Please provide an accurate statement of the total outstanding balance that would be required to satisfy the above obligation in full as of date no later than 7 ( seven ) business days from the date of the letter. This request is also being made in pursuant to 12 C.F.R 1026.36 ( c ) ( 3 ) Regulation Z. Please provide this information within 7 ( seven ) business days We are requesting a Satisfaction of the debt you alleged we owe, Refund from the our monthly overage payments and a A Payoff Request OCWEN LOAN SERVICING , LLC IS IN VIOLATION PURSUANT TO 12 C.R.F 1024.36 of REGULATION X A updated Monthly Statement Refund from the Escrow Account

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX hard inquiries done by XXXX XXXX which They had no authorization to do. Im an employee of a XXXX and that was our floorplan company.im just an employee, no manager, owner or nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have sent multiple letters to experian to remove inaccurate addressed and accounts from my credit report and each time they refuse and make it extremely difficult to speak to anyone or address the matter. they stated i had more then one credit report which made no sense and that some of my information was split. after they merged reports i noticed information both personal and accounts that were not mine and they refuse to remove the false accounts let alone match my information to these accounts to make sure they are 100 % accurate. iv stated to them if its not 100 % they can not report it and have spoken to and written to them to remove such accounts as it violates the FCRA. they even want as far to put my name wrong on my report even after sending them my license, social card and birth certificate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of the said debt and would like it removed as its reporting to the credit bureau as an open account and is negatively affecting me. This information was also shared illegally with a third party without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (IL).
Issue: Credit decision / Underwriting

Complaint: It was XX/XX/XXXX that one of so call Citimorgage representative called and faxed congratulating me that, the HOME AFFORDABLE MODIFICATION PROGRAM that I had applied, has been approved. He said that, I have been approved for an interest rate of 2 % for the rest of the loan peroid, as long as I own my house. He said, all I need to do now is to make three ( 3 ) trail period payment plan, every month of {$1100.00} and at the end of the trial period, I will have to make additional payment of {$1100.00} for the closing cost. He said each payment however, goes towards my mortgage payment, therefore, I should concentrate making these three months trail payment. He said these payments can " only be received through XXXX or XXXX XXXX, which means that it 's only this ways I can send the money in, inother to fullfil the criteria and therefore, it is a different department that is handling this program. There and then, I started to wounder and suspect, if this is real or is this legitimate or Fraud Scam thing. He said they will forward every transation docs. papers to the office and my account will be updated by next Monday XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Credit card () with DISCOVER BANK (IN).
Issue: APR or interest rate

Complaint: Discover has been charging me 29.99 % interest for the past five years, because I made a late payment in XX/XX/XXXX. Since that time, I asked them to lower the interest, and they did for a brief, temporary period, but then they returned it to XXXX. They explained that they " had '' to raise it again because lowering it was just temporary. Since that time, my daughter was diagnosed with an XXXX, I lost my job, and I sustained XXXX. I was unemployed from XXXX to XXXX of this year ( I am XXXX ). When I explained to Discover that I was struggling to meet their very high interest payments because I 'd lost my job, they replied that if I 'd lost my job, I was a worse credit risk, which was all the more reason they should leave my interest rate at the highest level. I ca n't imagine that charging me this rate over this period of time is legitimate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/15/2016 about Money transfers (Domestic (US) money transfer) with KEYCORP (PA).
Issue: Money was not available when promised

Complaint: Key bank took over First Niagara Bank is XXXX, Pa. Yesterday I did on online transfer of {$3000.00} from my checking account to pay down my line of credit. The money was immediately deducted from my checking account. 24 hours later XX/XX/2016 at XXXX the money is gone from my checking account and not applied to me LOC. When I finally got someone on the phone she first told me there is a day or two delay in transfers. I told her that was incorrect and most likely illegal. She put me on hold and said a memo just came through and I would have my money applied to me LOC by XXXX tonight. If the bank is doing this nationally they are reducing the interest they are paying on accounts by deducting funds from checking accounts and increasing their interest income on LOC accounts by not applying funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-01-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I had a fire in my home due to a lightning strike on XXXX/XXXX/16. Within 48 hours, I advised Wells Fargo, which stated they would send a " claim packet '' that would arrive within 5 business days. The following week, I called to check on the status of the packet, and was advised that a claim had not been opened with Wells Fargo ( further delaying any work towards moving back to my home ). The mailing address in my temporary apartment was confirmed, and a week later, I realized the packet was sent to my vacant home. WF then received my insurance check on XX/XX/XXXX, as well as my Contractor 's XXXX. I called on XX/XX/XXXX to check the status of the disbursement/pending items - and was told that the XXXX was not correctly filled out ( no one bothered to call me or the contractor to let us know ). Finally, after calling every day, on XX/XX/XXXX I received the check. When my contractor tried to deposit it on XX/XX/XXXX - neither of his banks would deposit due to my wife and I also showing as payees ( even though it was endorsed ). He even called a WF branch to ask if they would deposit ( assuming he opened a business account ), and was told my wife and I would have to show up for fingerprints. That same day, I requested another check be released showing only my Contractor as the Payee ( and provided written/signed authorization ). As of XX/XX/XXXX, I am XXXX % funding my own rebuild with the contractor, due to Wells Fargo 's inability to appropriately manage the claim process. Over 20 days since Wells Fargo has documented receipt of the claim check from Wells Fargo, my wife, my children and I have been given the ultimate option to continue to live without our home - OR, continue funding our own rebuild while WF sits on monies XXXX has provided.

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 05/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package on XXXX XXXX, 2016 that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation