milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: Our small not-for-profit organization setup a small business account with Bank of America ( BOA ). BOA has charged a $ XXXX  monthly service fee deduction to the account and mailing a monthly statement. Otherwise, there has been no activity on the account, no deposits, electronic fund transfers or deductions ( other than Bank of America 's monthly fees ). Due to circumstances at the time, the account was established in a state different from the location of the not-for-profit home office ( basically an 8 hour drive away ). When we called BOA to close the account, we were told that BOA has designated the account as dormant and that we can not close the account and have the funds returned. We were told that to close the account, we would have to physically go to a Bank of America center and make a deposit in order to reactivate the account. Then, we can close the account and get our remaining funds back. 

Basically, this means that BOA can choose to classify your account as dormant even though BOA is making monthly transactions against your account, i.e., making monthly deductions for service fees and mailing out statements. However, the account holder ( you ) can not close the account to get back any remaining funds from the account unless you deposit more funds into the account. Essentially, BOA is holding your funds hostage even though you have a positive balance and monthly transactions are occurring, albeit service fees charged by the bank. 

So, what happens when the funds go into a negative balance, due to BOA 's monthly fees? You, as the account holder, will owe them money. To avoid having a negative balance is the primary reason that we were attempting to close the account by phone so that the account would not reach a negative balance and we could retrieve any remaining funds in our 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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I have made repeated attempts to cancel my Experian credit monitoring services ; on XX/XX/2018 I am currently on hold for the past 2hrs waiting for a representative to cancel this service. No representative is made available.

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 04-11-2016 about Debt collection (Auto) with NCB MANAGEMENT SERVICES INC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My credit report showed a collection agency, NCB Management Services, INC with a balance of {$6400.00} that belongs to my ex spouse 's loan from XXXX. The loan does not belong to me. My ex spouse, XXXX XXXX is solely responsible for repayment of this loan per my divorce decree. NCB Management has failed to provide me with any type of documentation or proof that this debt is mine. I did not get any type of letter or notice from NCB Management Services regarding the collection account nor did they give me 30 days to provide that this debt is NOT valid.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Debt collection (Credit card) with Firstsource Advantage, LLC (WA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: First source advantage keeps calling me at work eventhough I have told him not to. They call me on my cell multiple times a day.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX we were having problems paying the mortgage due to my daughters XXXX illness XXXX XXXX XXXX ). We fell behind in the house payments and in XXXX XXXX we worked with the mortgage company we modified the mortgage to add the XXXX late payments to the end of the loan. Sadly these were phone conversations instead of letter from the mortgage company. We do n't recall signing the documents and would not have signed them had we understood the bank lied and restarted the mortgage instead of the agreed phone conversations to add the payments to the end of the load. In XXXX XXXX we again fell 3 months behind in the mortgage due to my wife 's XXXX. The mortgage was turned over to new mortgage company. In XXXX XXXX the new/current lender stated that the XXXX modification restarted the mortgage instead of adding the late payments to the end of the mortgage. So the problem instead of paying off the mortgage at end of XXXX, we owe {$36000.00} and another 5 years on the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: We have filed numerous reports regarding the errors and to date the only thing repaired was my name. My   XXXX   score which they allude to not having anything to do with reflects  XXXX . All corrections were Filed as well with   XXXX   who has NOT updated the other  XXXX  bureau s! NOTE on each complaint filed Trans Union WAS included as was  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 12/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX/XXXX/XXXX we submitted a short sale package with the Buyers XXXX Docs included. Ocwen has done nothing in two weeks, and are now demanding that the buyer remove the word " XXXX '' from line # XXXX of the Articles of Organization that were filed with Secretary of State - State of California on XXXX/XXXX/XXXX ( see attached XXXX docs ) - OR that we provide Corporate documents for XXXX - which is not possible, since they are not a purchaser in this short sale. 

We have already explained that XXXX is the Service of Process, and this can not be changed. 

Ocwen may not dictate who the business entity would like to use to receive service of process in case of suit. It is clear that XXXX is not a part of the buyer 's XXXX, as they are not listed in exhibit a of the Operating Agreement, nor anywhere else in the Operating Agreement. 

This is undue interference with a business entity.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I have an escrow account with my institution but my escrow account keeps getting higher I 've had this escrow account for more than two years and I 'm told and they statements that I owe more monies Please help me to resolve this major issue and concern

Company response to consumer: Closed
Consumer complaint received 01-12-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: JP Morgan Chase Bank decided to end the relationship with me and will not give me any reason as to why. They will not tell me anything at all. They are going to close my account in 10 days. They have frozen my account and will not release my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 1996, I and my then spouse signed a mortgage contract with XXXX XXXX XXXX. The loan was soon bought by Greentree Servicing and recently, Greentree changed over to Ditech. I have been divorced for approximately five years and in the divorce decree, the judge granted both the land and home to me. This divorce was granted through notice of publication since the whereabouts of my spouse were unknown. 
The mortgage contract ends soon and the payoff is currently little more than {$5000.00}. With this being the case, I attempted to speak with a representative from Ditech regarding some questions about the mortgage and they refuse to speak with me and answer my questions because they claim I am not on the loan. I signed the mortgage, and all relevant notes necessary in obtaining the original financing. I have offered to provide them proof of every statement I have made herein so that the disputed issues such as escrow activities can be audited and an accounting provided. 
The whereabouts of my former husband are still unknown to me. 
It is my sole desire to have a true audit of this account so that I may determine a legitimate payoff amount. 
Lastly, since the inception of the original loan I have increased my credit score to a point significant to have qualified for a reduced loan rate through refinancing but due to the failure of this lender to even communicate with me, I have been denied the opportunity and thus been penalized by being frozen at the rate of the original mortgage. This in itself has cost me several thousand dollars. 
As a woman, I feel that I have been discriminated against for this reason. The mortgaged property is located at XXXX XXXX XXXX, XXXX, AL XXXX in XXXX County

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Consumer Loan (Vehicle loan) with M&T BANK CORPORATION (CT).
Issue: Managing the loan or lease

Complaint: XX/XX/XXXX I took out an auto loan with regular payments being made on time. As of XX/XX/XXXX I missed a few payments due to changes in my work hours. XX/XX/XXXX M & T Bank granted me an extension on my auto loan which took my two months that I was late and pushed them to the end of my contract agreement. Which in most if not all cases XXXX out those months and XXXX out any late fees that may have been calculated for those months. Well in my case they did not do that the company just added those fees to my next months bill. XX/XX/XXXX through to XX/XX/XXXX over {$1000.00} to get everything caught up to date. This company has attacked my credit score status stating that my account is delinquent and no payments are being made ruining my credit score. Their account system is very inaccurate 7 months out of my account are dated incorrectly. M & T Bank also claims that they are a debit collection agency which seems to be a conflict of interest if they are a bank. The harass you by calling multiple times a day within a week. It seems like no matter how much money I try to put on my account it does n't seem to get caught up to date. It also seems like no one knows the TRUE POLICY when a customer sends money in early. The also do not let you state where you wish your money to be sent or disbursed. I do not know how to attach copies of all my paperwork but I can mail it to you if want a copy. M & T Bank also makes it very hard for any other banks to buy out my loan they either do not answer the phone or they hang up on the bank that is trying to buy out from them.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am forwarding to Chex Systems the police report. I am disputing XXXX items on my credit report with them. I have submitted a FTC affidavit and they refused to take because of no signature by an officer but I was able to get it notarized and the items I am disputing and should be removed due to Identity theft is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 12-05-2015 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was XXXX when I had a meeting about how to pay for my school at XXXX XXXX I did not I did not understand what they were talking about. someone just gave me some papers to sign. after I graduated I got many, many calls about owing money for going to XXXX. I told them that I could not remember what they were talking about. I told them to stop calling but they not stop. I got really scared to answer the phone because they very mean to me. I went to my psychiatrist and he changed my drugs to help me out. I got a lawyer who told me he was going to sue and I would get a lot of money.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Continental Finance Company, LLC (GA).
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: SUPPOSED " TRANSACTION '' : Date :  XXXX / XXXX /   2016  Amount : {$490.00}  XXXX  Processor :  XXXX    XXXX   XXXX   ( illegitimately claimed " sale '' through fraudulent website -  XXXX   ) Neither  XXXX  / Continental Finance nor this continually unresponsive " entity '' identified what was   supposed transacted on my card by either them or the associated fraudster.     The initially attractive {$500.00} card limit -- albeit a whopping {$100.00} processing/activation fee -- that I chose to help build my credit is indeed issued by the indisputably most horrible financial organization in the worl d, Continental Finance. Their management and incoherent representatives ( see " SurgeDisputeOperationsEmail '' attachment for the absurdity of the representative in closing my card / resolving my claim, in which she even deleted one of my email requests having a receipted opening ) have solely prompted serious issues in getting, not only this charge cleared from my account, but now the late fees more than {$300.00} due to Continental Finance 's asinine interest rates and holistic financial insecurity. Now,  I wake up every morning wondering how this institution ( whom offers  XXXX  different bogus credit cards! ) is even permitted to operate in the United States or any country for that matter. They are not interested whatsoever in helping  Americans es tablish credit with the  XXXX  major  bureaus. Continental Finance is out to pillage every red cent they can from their unfortunate customers that are experiencing the same indescribable problems as I. Please do yourself a  kind favor and run as quickly and as far away from these crooks as fast as you can before you inevitably end up with a catastrophe like I am dealing with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAINE & WEINER COMPANY, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have two companies that are still showing open on my credit report. The accounts have been closed and the companies are no longer active. This is showing derogatory and needs to be removed. 

XXXX XXXX XXXX XXXX XXXX this was taken care of already with insurance and was settled closed. 

XXXX XXXX XXXX XXXX XXXX I have called the company and settled the debt already. And it was considered paid off and was suppose to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: APR or interest rate

Complaint: I have been a bank of America customer since XX/XX/2005.I opened a checking, savings and a credit card account, my issue is with the credit card account 's APR percentage, it went from10.99 % to 16.99 %. I spoke to the account manager/ account specialist about lowering the APR I was told there was no promotion available for my account they could n't do anything for me. The reason for the APR increase was the bad economy, the economy has recovered yet Bank of America refuses to lower my APR. I feel wronged ... that 's not how you treat a loyal customer!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Debt collection (I do not know) with Delta Management Associates, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received improper calls from XXXX XXXX XXXX. Her call back is XXXX XXXX XXXX. Did not state who she was with, what the issue is except that I " was used as a reference '' which is bogus. Have noticed this number over a year on my caller ID list but never left messages until this week Research on line indicates this is Delta Management who is a debt collector. I have never received anything from them and i have no debts having just checked my XXXX free credit reports. Their reviews under this number projects a very negative image and questionable tactics and objectives. They have no business contacting me by phone which is listed on the Do not Call list. I suspect they are preditory, seeing if they can con you into paying on an old debt?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Credit decision / Underwriting

Complaint: Once I made an offer on a house and started the home buying process on or about XXXX XXXX 2015, with a projected closing date of XXXX XXXX 2015, it has been a steady dose of the highest level of incompetence from a major corporation that is Wells Fargo. Granted the house is a manufactured home, and I am a first time home buyer using my VA home loan benefit. We did n't make the XXXX XXXX date as the bank found a typo on the title paperwork and without notice, extended the closing date out until the XXXX of XXXX. I was n't notified and found out later from my realtor, who got the typo fixed in just a few days. As the XXXX approached, the bank came up with some other excuse and it was again delayed, with no future date established. 
Wells Fargo throughout this process has requested documents which have been provided in a timely matter. One example is the water test submitted on XXXX XXXX, on XXXX XXXX we are told by the bank that it must be retaken. At some point in XXXX, Wells Fargo mentioned that they would need to have an engineer inspect an addition built on the home, and that they would take care of that. Yesterday, XXXX XXXX we are told that the inspection still needs to be performed. 
These are only XXXX examples of how weeks after the original closing date had come and gone, and being told several times that we are just waiting on this form, only to have them request something more. They continue to blame the VA for having strict requirements, which I know is a fact. However, once several weeks, or even literally MONTHS into the process, the VA did n't invent new requirements. 
Once the original closing of XXXX XXXX was blown by Wells Fargo, I see no reason why they were unable to look at the entire package, and determine what was still missing. 
More than 2 months after starting this, I was asked to provide documentation on asmall monthly deposit into a checking account that had been there from day one. Why after 2 months are they only now asking for it? 
These are only a couple of examples of how this has continued from day XXXX. Another example is documentation on what I pay ion child support. I submitted requested documents on XXXX XXXX, and on the XXXX of XXXX, the bank tells me it 's not enough, and they are now asking for more information after more than a month has passed, and XXXX closing dated have come and gone. 
At this point I have no reason to believe that I will close on this even after 3 months have passed. 
I was pre-approved, have excellent credit, VA qualified, bank with Wells Fargo, permant employment, have a down payment and have been told multiple times throughout this process that we are real close, only to have the finish line moved out again and again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/17/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: BOA has not closed my account after multiple requests and continues to charge fees. Currently they have charged {$1.00} as a " minimum payment due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/19/2016 about Debt collection (I do not know) with United Student Aid (USA) Funds (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent letters via certified mail to XXXX and have yet to recieve a response. This company is reporting negative information about me, yet refuses to respond. I have incurred XXXX in actual damages since their company has reported derragatory information about me and refuses to respond. 

Why must I spend so many countless hours trying to correct this companies mistakes? Please do not contact me by phone, please communicate by mail only ( XXXX ) Additionally, both companies are double reporting on my Credit Report!!!

Company response to consumer: Closed
Consumer complaint received 09/16/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid off my Credit Card to XXXX in XXXX of XXXX. The credit limit that I had was {$500.00} and I paid the full {$500.00} and it was accepted. Recently, Midland Funding reported on my Credit Report that I owed {$830.00}. I sent them proof that I did not owe this amount and they removed the {$500.00}. Now they are reporting {$330.00} that I owe them. They last reported this XXXX XXXX. I have repeatedly sent proof to XXXX all XXXX credit bureaus and XXXX and Midland Funding without success.

Company response to consumer: Closed with non-monetary relief