milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Using a debit or ATM card

Complaint: I signed up for XXXX XXXX 2015. I provided them with a debit card number ending in XXXX. I was not aware that my XXXX month subscription would automatically renew until I saw an additional charge debited from my account on XXXX XXXX in the amount {$110.00}. The card that I provided to them in XXXX 2015 was deactivated XXXX 2015. I never provided XXXX with the card number for the new debit card because I just assumed that once my XXXX months were up that my subscription would just end. I contacted XXXX and they refused to refund my money. I contacted Bank of America where the account is located and filed a dispute. They informed me that XXXX has the ability to provide them updated information even though I did not provide that information to merchant. I have never heard of such a thing. My account is now overdrawn because of a charge that I did not authorize.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Possible victim of the 2017 hack against Equifax. Need to update all security and rebuild my security from scratch. This has taken me hours of work and used up a full holiday weekend.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (AZ).
Issue: Managing the loan or lease

Complaint: I have a loan with The lending Club in XXXX XXXX, CA. My loan has a grace period until the tenth of each month. I will often call like I did today and make my payment. Today is the XXXX, Friday. They then tell me that my payment, even though I am calling it in on a friday in the morning, wo n't post until Monday the XXXX. And that my payment will be considered " late '' internally. This is fraud. You can not take a person 's payment in good faith, two days before the grace period ends, and then because YOUR company takes a few days to process the payment, mark their account as late. This is illegal. They can take my payment, mark my account as paid, and within the legal grace period and if it takes them two days to process then that 's on them. Not on the consumer. I am making my payments on time. I have each and every month. And my account has been marked late " internally '' several times due to this issue. I would appreciate this being corrected within their company.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Bank account or service (Other bank product/service) with UBS BANK USA (NY).
Issue: Account opening, closing, or management

Complaint: 1. UBS refuses to respect a duly executed power of attorney. 
2. UBS is unreponsive in processing an international estate liquidation. The process was initiated in XXXX 2016, and it remains unresolved to-date. Communication from UBS has been scarce and few. After several phone calls, voicemails, and emails, I am still unable to reach someone who is able to provide a meaningful status update of the account liquidation. UBS is maliciously delaying the process, and depriving the surviving account owner of much-needed funds.

Company response to consumer: Closed
Consumer complaint received 04-06-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a Mortgage with Nationstar Mortgage loan. I can not get the mortgage company to state why they are not posting the required principle payment in my note and are charging everything on regular payment to interest and only posting addition principle that I am paying toward principle. I have contacted the company several time and can not get them to give me an answer. They first stated that my loan was all interest for the first 10 years which is not true because before the purchased the note from XXXX XXXX I was paying both interest and principle with my payments and I have the original note. These people do not seem to understand or do not want to help resolve the issue. I do not know what to do except file a law suit against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (Medical) with Bull City Financial Solutions, Inc (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: THIS COMPANY IS STATING THAT I HAVE A BALANCE IN WHICH I RECIEVED A LETTER FROM XXXX STATING THAT MY BALANCE HAS BEEN PAID AND XXXX HAS RECIVNED MY BLANACE OWED THAT WAS NOT EVEN THAT {$100.00} BALANCE THAT THIS COMPANY STATED. I CALLED XXXX AND THEY STATE THAT THIS WAS NOT MY BALANCE {$100.00} THAT WAS OWED.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have two items on my credit report with Equifax that I attempted to dispute in XXXX. I never received any notification on the status of this dispute. Today I called and was transferred to 3 different representatives and received absolutely no information on the status for the resolution of this dispute. Ask them what evidence or information they had to provide me with an order to show that this was my account or my claim and they can not find me with anything I 'd like to make a complaint against Equifax as I do not have any justification as to why this is on my credit bureau. These items are not appear on my XXXX credit report and this is negatively affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds XXXX from XXXX Mortgage that has been discharged and the other from XXXX a division of XXXX XXXX Bank and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. XXXX and Ocwen Loan Servicing LLC does not have any signed supporting documents such as notes registered at the registry of deeds, because of this XXXX and Ocwen Loan Servicing are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (I do not know) with AFNI INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I called this morning XX/XX/2017 to get them to validate the debt they say I owe to them but I have never had an att account they put it back on my credit once again after it was removed already once before

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have an account with Fedloan Services for my student loans. On XX/XX/XXXXI was granted both a delinquency Forbearance and a general forbearance with dates of XX/XX/XXXX-XX/XX/XXXX ( can provide letters ) On XX/XX/XXXX I was granted another delinquency forbearance and general forbearance with dates of XX/XX/XXXX-XX/XX/XXXX ( can provide letters ) Both of these are still showing as 90 days late on my credit report even to they were in forbearance ; the Fair Credit Report Act Section 623 ( a ) ( 2 ) seems to support the removal of previous negative credit history. It is my understanding of law that- Some cases the new information corrects a report that was erroneous ( e.g., the loan was wrongly reported as delinquent, because a deferment authorized delayed repayment ), and in others the subsequent information updates a report that was accurate when it was made ( e.g., the loan was correctly reported as delinquent, but has subsequently been paid ). You ask if the school must report the updated information to the original credit bureau, and if that agency is required to accept the data. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. I have requested Fedloan to update this information to the Credit Bureaus and they have told me twice they would not update my credit information on dates of XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Purchased patio furniture from XXXX XXXX, XXXX XXXX, NY, total amount {$1400.00} on XXXX/XXXX/XXXX. This was charged on a Comenity Bank XXXX XXXX. In addition to the cost of the items I was required to pay an additional {$150.00} for delivery. When I set up the items on XXXX/XXXX/XXXX the chairs and 2 days later the swing set, I noticed the items were defective- the chairs fell apart and the swing set 's material seams were not sewn strong enough and separated. 

I contacted XXXX XXXX and spoke to a fellow named XXXX who claimed he was the store XXXX. He told me I was required to return the defective items to the store. I paid for delivery ; I was expecting them to pick up the items. 

I explained that the sheer size of the chairs and swing set precluded my ability to return them. After all, I paid {$150.00} to have them delivered. He said there was nothing that he could do. I had to return the defective material to the store. 

I then contacted Comenity Bank by phone and explained my situation. They sent out a complaint form dated XXXX/XXXX/XXXX to be completed and returned. I did so on XXXX/XXXX/XXXX and filled in all required information. 

I did not hear anything further until I received a letter from the bank dated XXXX/XXXX/XXXX. I was asked to complete the identical request that was made in XXXX. Again I complied with that request. I then received another request from a letter dated XXXX XXXX, XXXX. Again I complied. I then received another letter dated XXXX/XXXX/XXXX requesting the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Trouble during payment process

Complaint: I received a letter from bofa about how to remove private mortgage insurance from my loan. The original sales price of the house was {$48000.00} and the current balance is {$37000.00} which means I have just under 22 % equity. The very first sentence in the letter says : current the loan to value ratio of your loan, which is based on the original sales price has n't met the established 80 % LTV requirement which is not true. When I called the number on the letter to inquire the representative contradicted  2 f acts in the very first sentence of the letter - she stated that the  LTV  they like to see is 75 % and it is based on the original loan amount not the purchase price as clearly stated in their letter. This seems misleading and unethical. I was told the only way to drop the pmi is to pay {$520.00} for a new appraisal.

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 01-05-2018 about Payday loan, title loan, or personal loan (Installment loan) with SOUTHERN MANAGEMENT CORP. (SC).
Issue: Problem when making payments

Complaint: I don't believe this is my loan and i told them that. I asked for a copy of the paperwork they say i signed and they would not mail me a copy. I told them i was going through a divorce so my husband may have done this to me. I had to send them a certified letter in order to get a copy of this letter that they say I signed. Once i received the paperwork it was computer generated and was not mine.The company is harassing me at work after I ask over the phone and in writing twice to stop calling my job. An employ from XXXX XXXX has told two people details about this loan. XX/XX/XXXX around XXXX she called my job and spoke to another employee at my job in detail about the loan. I have had the branch manager XXXX XXXX-XXXX be verbally abusive and has threat me.I have recordings of some of the interaction.

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 03-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: My complain is about Bank of America Visa 's fraud protection. BoA had the chance to seize the money in dispute, but still let go without my final consent. 

I filed dispute claim with credit card department on XX/XX/XXXX about a {$2400.00} charge on XX/XX/XXXX by a plumbing company. I received service from this plumbing company but later as I contact them, all can be found is {$570.00} payment from me rather than {$2400.00}. The business owner asked me to dispute this charge with credit card company, they'll not fight back. So I filed claim with Bank of America and emphasized the business owner do not recognize this charge and can provide statements written upon request. 

Bank of America turned back to me onXX/XX/XXXX and told me they got feedback from the " merchant '' insisting they are who they claim to be and it was I who authorized the charge. I contacted the plumbing company again and business owner confirmed again they did not charge, in fact their charge should appear differently than what appeared on BoA 's credit card bill. Now to me I am being charged by a XXXX merchant that registered itself with a very similar company name. 

On XX/XX/XXXX I called Bank of America and ask to resume the dispute. But I am told BoA already sent money to the ( XXXX ) merchant on XX/XX/XXXX, and put back the charge on me. There is nothing Bank of America can do from this point. 

My complaint to BoA is whether they are standing by their fraud protection. Charges made to stolen card are protected, but charges by XXXX  party in disguise is not? Also the unfair thing I feel is, in the claim, I said the charging party is not who it pretends to be, and the charger fights back saying it is. Why BoA choose to believe this merchant over me? Wouldn't it make more sense BoA asked for evidence from both parties before releasing the fund? Don't BoA feel it important to protect it's consumer 's money? 

I do not file credit card charge disputes often. The only other time was many years ago with XXXX, over what I believe a more complicated transaction. The experience with XXXX, in simple term, was way better. 

( Plumbing company is a large franchised chain. It's name is omitted here. )

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 04/21/2016 about Mortgage (VA mortgage) with PHH Mortgage Services Corporation (TX).
Issue: Application, originator, mortgage broker

Complaint: The lender we used to close on our home mislead us in the closing process. They continuously gave us the runaround and the final numbers on the closing disclosure were significantly different from what the lender told us in the beginning. The lender overlooked several items causing multiple delays in the closing process. We did not see the final closing disclosure until we walked into the title company. I would not recommend Coldwell Banker Mortgage to any of my friends and family. This was the most stressful financial transaction I have ever made.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Regarding the Equifax data breach in Summer 2017, and that my information was among that stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Struggling to pay mortgage

Complaint: This is a REBUTTAL of XXXX XXXX 's Answer to my Case # ' : XXXX XXXX XXXX XXXX., not in it 's individual capacity but solely as " trustee '' for the XXXX Trust, Series XXXX states that they are " NOT THE APPROPRIATE PARTY TO ADDRESS MY ISSUE ''. 

Well, If XXXX XXXX does NOT want to be involved, WHY then did they file a FRAUDULENT PROOF OF CLAIM via their attorney, XXXX XXXX XXXX in my Federal Bankruptcy Case, stating that they were the 'CREDITOR, AND NOTE OWNER AND HOLDER " of my Deed of Trust, and Note, that secures my property. They are HELPING / ASSISTING Passively, as a " XXXX XXXX '', as " Trustee '' .... for the Servicer, Rushmore Loan Management Services LLC. to FRAUDULENTLY, ILLEGALLY AND CRIMINALLY STEAL MY HOME ON XX/XX/XXXX!! 

SO TOO BAD XXXX XXXX, THAT YOU DO NOT WANT TO BE INVOLVED!! BY YOUR PASSIVE AGRESSIVE ACTS YOU SURELY ARE INVOLVED, AND GUILTY OF CRIMES AGAINST US!!!!!!!!!! 

NO MORE EXCUSES!! 

I DEMAND THAT YOU STATE, HERE AND NOW, THAT YOU ARE NOT THE " CREDITOR '', HOLDER OF MY NOTE, HOLDER OF MY DEED OF TRUST, NOR ARE YOU THE TRUSTEE FOR THE XXXX TRUST, SERIES XXXX '' WHO IS ATTEMPTING TO ASSIST IN ILLEGALLY STEALING MY HOME AND ENRICHING THEMSELVES. 

DENY YOUR ROLE, RIGHT HERE, RIGHT NOW, IN THIS CASE - DENY BEING THE 'TRUSTEE '' FOR THE XXXX TRUST, XXXX XXXX REGARDING MY NOTE/LOAN # XXXX. 

SWEAR, UNDER PENALTY OF PERJURY, THAT YOU HAVE NO INTEREST IN MY HOME LOAN/DEED OF TRUST, ECT ... AND THAT YOU ARE IN NO-WAY ASSISTING RUSHMORE LOAN MANAGEMENT SERVICES LLC., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, OR ANY OTHER ENTITY IN FORECLOSING ON MY HOME ... 

DENY THAT REPRESENT XXXX XXXX XXXX. AS TRUSTEE FOR THE XXXX TRUST, SERIES XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hard inquiry appears on my credit reports - XXXX, Equifax, and XXXX, however this inquiry was unauthorized. I attempted to notify the company directly, however they have been unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (NC).
Issue: Shopping for a loan or lease

Complaint: BB & T MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have recently noticed in the past couple of days that credit inquiry 's for credit cards have been tried to apply from in California, as well as they hit my bank account for {$5.00} for a purchase from a XXXX XXXX XXXX app from California as well and has put my account into the negative. I use to have a lot of inquiry 's and withdraws from my bank accounts a lot and had to have my accounts monitored. for theft activity and it looks like they are doing it again, and I have to stop them because XXXX is right around the corner and I ca n't afford to lose my money again.

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 11-04-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This should not be on my credit report and is inaccurate. My personal health insurance company paid for this service, in addition, I made a payment as part of my co-pay. 

I 'm also reading that " Syndicated Office Systems ( file number XXXX ) '' has a history of not handling consumer credit reporting disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Had legal action and judgement taken without any knowledge of such nor having papers served to me. The judgement ( XXXX XXXX XXXX for {$1100.00} was due to a continuous billing error I was fighting without the credit card company ever fixing their mistake, ultimately stealing the last {$200.00} payment I made, which they never recorded at the XXXX where I paid. Now, as I am needing to clear this up to purchase a home, XXXX XXXX, who has bought the debt, will not let me pay anything and resolve this until I sign a document stating I will not contest their collection even before they will give me an amount they claim I will owe!

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