milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-01-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (ME).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2016, a banking institution took {$1300.00} out of my Bank of America checking account. They had no paperwork, signatures or any agreement with me. An individual that uses this institution ( Identified as XXXX XXXX ) was attempting to transfer money into my account but the transaction took money out. Whatever went wrong, no one appears to understand. I called Bank of America and expressed my alarm that an institution, completely unrelated to me and with no agreements in place could withdraw money from my checking account. The money was redeposited on XX/XX/XXXX. No correction to my interest was made and although I have called the bank on numerous occasions, there has been no explanation provided to me. 
This breach is serious but evidently Bank of America is doing nothing to correct the weakness in the system that allowed this to happen, they have ignored my pleas for an explanation and they have not reimbursed me for the loss in interest ( which occurred during the weeks that the money was missing from my account ).

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 06/14/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Managing the loan or lease

Complaint: Reviewing the payment history of my vehicle which was totaled XXXX XXXX 2016 ... ..I was concerned about the XX/XX/XXXX payment being returned due to the fact I paid it early, but totaled the vehicle before it was due. While looking into that I noticed inconsistent application of my monthly Principal and Interest payments by the lender. If someone could review this history and determine that I was caused no harm in that my payments were in some cases not applied to my principal balance ( not even in part ) causing my payment to not change ( decrease ) ... then I ask for this to be corrected and me to be reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XXXX XXXX I request for my credit report and after receiving it I saw collections XXXX XXXX asset, medical data system, and XXXX XXXX XXXX XXXX my report I had no idea who they were, so I start sending out letters to Experian XXXX XXXX, and XXXX XXXX On XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX, i sent certified letters and after a week i was getting emails stating that they verified that the account was mine but not once did they send me any document showing where my signature was on any document. I know that they did n't have the proof because the other two agencies took them off and had they prove it to them they would not have remove them as I requested. I was wondering how in less than 5 days that you verified to Experian but not the other two. I also sent a letter to the agency asking for debt validation and have not received anything from them but they continue reporting these items on my report. I have ask Experian who did they verify this with and what document they had with my signature on it and all I get is that it was verified and to send me a copy. If they can complete the investigation within 5 days why have n't gotten the document sent to me

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 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX CA SSN XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX TRANSUNION XXXX DEAR SIR OR MADAM According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
THIS IS DOUBLE JEOPARDY AND IS NOW AGAINST THE FCRA AND FTC LAWS I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification STATE TAX LIEN XXXX XXXX CO RECORDER XXXX {$17000.00} STATE TAX LIEN XXXX CO RECORDER XXXX {$17000.00} * Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: In XXXX of 2015 I applied for a home loan through Wells Fargo Mortgage, my loan representative/officer was XXXX XXXX, Branch XXXX, Wells Fargo Mortgage in XXXX, CA. The home I purchased was a new condo being built with a completion estimated at mid to late XXXX, 2015. First off, I had never met XXXX personally so for him to refer to me as bud, which he did often when responding to texts/emails ( if he responded at all ) was very unprofessional. He often ignored texts/emails/phone calls and lacked proper communication skills. He rarely kept me informed of my loan progress and only provided updates when requested and sparsely at best. As earlier stated the completion was set for mid to late XXXX so I had 7 months to get all the necessary information to XXXX. I was always prompt providing the necessary information/docs to XXXX as to avoid any miscommunication/setbacks/delays in the loan process. I asked for updates on a weekly/monthly basis ( which often went ignored ) and I was assured by XXXX XXXX that we were on schedule, at XXXX point he stated we were 2 months ahead of schedule. We were scheduled to close on XXXX XXXX, 2015, but due to XXXX 's inability to perform his job the closing was delayed to XXXX XXXX, 2015. When XXXX was unable to perform his job I requested another XXXX to handle my loan, at which point XXXX stated " you 're not going to want to hear this but no one in this office can do what I do '', at which point I requested his supervisors name XXXX XXXX XXXX XXXX and number. I contacted XXXX at which time XXXX took the lead on my loan process and without XXXX efforts I do n't think my loan would have closed when it did, if at all. On XXXX XXXX, 2015 I received a text from XXXX regarding an issue with the tax rate. During a telephone conversation between XXXX, XXXX and XXXX XXXX stated that the rate utilized by XXXX during loan approval was 1.5 % not the actual rate of 1.9 %. When I informed XXXX that I had provided XXXX that XXXX XXXX openly lied to XXXX and I, stating he did n't know the tax rate was at 1.9 %. However ; XXXX was provided the tax rate information via email on XXXX XXXX, 2015. This lie, XXXX 's inability to perform his duties and his unprofessionalism cost me an additional {$7800.00} in closing costs and placed unnecessary burden on several others who had to work unnecessary hours to insure my loan closed by year end.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: fraudulent account, XXXX XXXX XXXX, XX/XX/2015, XXXX $

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Credit determination

Complaint: I have not requested or authorized XXXX XXXX XXXX or XXXX XXXX XXXX credit to make any inquiries into my credit file

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 10/31/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: 3 years ago my account was in foreclosure. In 2014 I was told to pay {$15000.00}, to bring the account up to date, and I paid the full amount. On my statements there is an unpaid balance of {$2700.00}, initially I was told that it was for legal fees. Wells Fargo have lawyers on retainer in every state, I am not responsible for those fees. I recently received a statement showing an analysis of my mortgage account. The amount of {$2700.00} should have been included in the rears balance in 2014, again I am not responsible for Wells Fargo error. I have been paying my monthly mortgage on time. I am writing to you, to assist with this discrepancy. I tried to refinance and was denied and started receiving notification of this balance. ****please note the property address is not the same as the mailing address. ****

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On Monday, XX/XX/XXXX, I checked my account balance and realized that I was missing over {$800.00} as noted below. When I checked my online balance it showed the following activity at XXXX XXXX. I placed a call to Bank of America to dispute the charges. The Bank of America representative stated I would have to wait for them to mail me a dispute form. The dispute form never arrived, so on XX/XX/XXXX and XX/XX/XXXX, I faxed a letter disputing the charges. Initially, I was told that a provisional credit would be issued within 2-3 days of receiving the dispute. Now, I have been told that the bank does not have a time limit to issue a provisional credit. I 'm attaching a copy of their error resolution policy that contradicts the information I am receiving from the representatives. Additionally, they are now claiming it may take 90 days to resolve the dispute. I look forward to your resolution and any possible understanding explaining how the charges were illegally extracted from my account and the funds redeposited into my account. 

LINE ITEM CHARGES -- ALL THE DEBITED AMOUNTS OCCURRED ON XX/XX/XXXX XX/XX/XXXX ( {$210.00} ) XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ( {$210.00} ) XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ( {$2.00} ) ATM Decline Fee, XX/XX/XXXX ( {$2.00} ) ATM Decline Fee ; XX/XX/XXXX ( {$2.00} ) ATM Withdrawal Fee ; XX/XX/XXXX ( {$100.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ( {$2.00} ) ATM Withdrawal Fee ; XX/XX/XXXX ( {$100.00}  ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XX/XX/XXXX ( {$2.00} ) ATM Withdrawal Fee ; XX/XX/XXXX ( {$100.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ( {$2.00} ) ATM Withdrawal Fee ; XX/XX/XXXX ( {$100.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I will be XXXX next week and am the sole caregiver for my XXXX year-old husband who has XXXX. I had to retire from teaching 5 years before I wanted to in order to care for him. I have repeatedly sent in income documentation showing that we are living from month to month on low pensions, but get no help. I try to pay {$50.00} whenever I have any extra money left over. I know this is ruining my credit. I went back to school at age XXXX to get my teaching degree, and I had to choose a private college that offered night and weekend classes, which bumped my tuition up considerably. We have been through a bankruptcy ( 6 years ago ) because of my husband 's high medical bills, but could get no relief on student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Consumer Loan (Vehicle loan) with CITIBANK, N.A. (FL).
Issue: Problems when you are unable to pay

Complaint: In XX/XX/XXXX I purchased a vehicle from XXXX XXXX, in XXXX Florida. The vehicle was financed through Citi Financial. XXXX years later in XX/XX/XXXX I was no longer able to make the monthly payments for this vehicle. As a result, I had to have the bank repossess the vehicle. A XXXX months went by and I started to receive calls from Citi Financial regarding this vehicle 's remaining balance, and how it was going to be paid. I told the representative that I was not working at the time but as soon as I got a job I would start making payments. A XXXX days went by, and I started to get harassing phone calls from Citi Financial. I was told by Citi Financial that they were going to garnish my wages, they were going to send the police to my work, and that I was also going to be arrested. I contacted a lawyer, and we took Citi Financial to court. I won my case, and Citi Financial was never to contact me again, and they were also not to report to the credit bureau. Still to this day, it is showing on my credit report the car loan that I had, which was sold to a collection agency. As a result of this being on my credit, it is showing a negative mark against me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had issues with the proper reporting of my home mortgage. My credit report is not correct and I was told it would take 30 days to correct. This has been going on for months now. Please reflect an open BB & T mortgage with XXXX late payments

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 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have couple of Inquiries which i never recognized 1. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 2.  XXXX XXXX XXXX on XX/XX/XXXX i never asked them to do any Inquiry, requested them to remove it but they never listen to me. Also i never took any loan from them. 
3. XXXX XXXX XXXX on XX/XX/XXXX, i never asked them to do any Inquiry, requested them to remove the inquiry but they never listen to me. Also i never took any car loan from them. 

4. XXXX on XX/XX/XXXX 5. XXXX ( XXXX XXXX ) on XX/XX/XXXX 6. XXXX ( XXXX XXXX ) on XX/XX/XXXX 7. XXXX ( XXXX XXXX ) on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Problem with fraud alerts or security freezes

Complaint: I have found out that I am a victim of the XXXX  security breach. As a result of this I wanted to put in an extended fraud alert. the company website does not give access to a phone number to do so without " becoming a member '' meaning they wish to collect even more information. The XXXX number for the victims basically verifies that we are victims but provides no other services. My attempts to call XXXX failed even after a total of XXXX mins on the phone on 4 different occasions. Similar failures occurred in regards to placing fraud alerts with TransUnion and XXXX as well. 

I am requesting that you contact these companies and have them provide us the assistance we need- we are victims of their greed and incompetence, and they have gone unregulated for too long. Please do help.

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 07/19/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I am one month behind on my credit card bill due to changes to income and family sitatuion that were unexpected. I have cummunicated my current situation to the people at Synchrony Bank and it is like they do not care. They are calling my phone XXXX times per day a lot of times right after XXXX and within 2 hours of each other. This is harrassing and starting to affect my concentration at work as they are calling all day. I will pay them once I obtain the money ... told them this as well. My credit used to be XXXX and now has decreased to the XXXX since my hardship. I keep my word but trials come up that you must handle and this is one of them. Please help ... I am sure they are harrassing others as I and I am only one month behind. Next step is considering legal action for emotional reasons. Thanks for this site to vent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2016 about Mortgage (Reverse mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted Loan Workout to Bayview Loan Servicing , LLC and have not gotten a response or " Denial ''. Under HOBR i should at least receive a response or Denial which i am allowed one appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Credit card debt) with Alliance Data Card Services (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: On XXXX18 between the hours of XXXX some guy called my work and said to me Don't hang up! i said don't called me at Work..he insisted talk and I told him I can't talk to you. He keep talking .... And told me that if I didn't pay the will she and garnished all of my belongings and that it was a crime. I told him I can't talk on the phone. I had customers waiting forms to help them, here I'm tell this guy from XXXX XXXX XXXX  to STOP. So he said is there another number i said you have it. Don't call this number. I told him that I couldn't afford to pay ...

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (Mortgage debt) with Dyck-O'Neal, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In year XX/XX/XXXX I bought an investment property located on XXXX XXXX XXXX, XXXX, XXXX XXXX. There were XXXX mortgages, XXXX {$80000.00} and the XXXX {$15000.00} XXXX  financed by XXXX XXXX XXXX XXXX XXXX Total {$95000.00} with a down-payment of {$6000.00} +. <P/>XXXX XXXX XXXX XXXX XXXX was then bought by XXXX XXXX XXXX In XX/XX/XXXX, I became sick with XXXX XXXX and still is till today, on XXXX. Due to my illness, I could n't go to the property to collect mails or rent the place. Two months into a foreclosure process in XX/XX/XXXX, XXXX XXXX XXXX foreclosed on my property for FULL price. I called when I discovered that the house was foreclosed. XXXX XXXX XXXX told me that FULL price was paid by XXXX XXXX who bought it and that I do not owe XXXX XXXX XXXX any amount on the XXXX mortgages. My XXXXbureaus credit reports started to reflect XXXX balance on XXXX accounts. <P/>Then in XX/XX/XXXX, a company called DykeOneal, located in XXXX XXXX XXXX XXXX, XXXX started to call and write to me that I owe them {$15000.00} XXXX mortgage. Tel : XXXX. <P/>First, their letter stated that I owed XXXX XXXX XXXX, however, a note they called Alonge-to-note claims that they bought the XXXX mortgage from XXXX XXXX XXXX <P/>I tried to obtain evidence of sale from XXXX XXXX XXXX, XXXX but XXXX kept telling me that I do not owe them and that I should talk to their attorney because the file has been closed long time ago. Their attorney meanwhile said that only XXXX can provide me the evidence of foreclosure sales I needed. <P/>DykeOneal then took me to court. To summarize, I was ill and couldnt appear in court the first  time. I wrote to the judge with my complaints. The judge ruled against me WITHOUT EVIDENCE. <P/>The I went to the court the second time to see the judge who thought I lived in XXXX XXXX whereas I live in XXXX XXXX near XXXX where his court is located. <P/>After passing judgment without evidence, he advised me to go to XXXX County to obtain the original sale papers and the Foreclosure sale papers. That I should compare the XXXX to see what is owed. <P/>I did. Both papers show and proved what XXXX said that I owe them nothing. However, the judge did not rescind in his judgement. He said I should go and get a lawyer to appeal it. I am on XXXX and could not afford a lawyer. <P/>Dyke ONeal has been harassing me since then and accruing interest on the {$15000.00} which they now calculate to be {$19000.00}. <P/>PLEASE RESCURE ME FROM DykeOneal. I DO NOT OWE THIS COMPANY A PENNY. <P/>I will furnish you with necessary documents if you provide me the method ( s ) to.

Company response to consumer: Closed with explanation