milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/21/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Application, originator, mortgage broker

Complaint: We applied online to Bank of America for a new mortgage loan on a used townhome in XXXX XXXX, Florida, on XX/XX/XXXX. Mortgage loan officer, XXXX XXXX, contacted us and began the data collection process. During the next three weeks, numerous documents XXXX financial statements, insurance, sources of income, tax returns, etc. ) were supplied to BOA on a very timely schedule. Our credit card was charged {$440.00} on XXXX XXXX for an appraisal and credit report. All the while, XXXX confirmed that the requested XXXX XXXX closing date should be on schedule. After the appraisal was conducted on XXXX XXXX, XXXX XXXX, Home Services Specialist, called to say our loan package was very clean, that he rarely saw insurance issues already covered at this stage of the application like ours were, and that not only was the XXXX XXXX closing date feasible, but that we should be able to close earlier if desired. On XXXX XXXX, we were contacted by XXXX XXXX, Home Services Specialist, to provide additional documentation. The pace of activities and responses from BOA definitely slowed down under XXXX. On XXXX XXXX she advised the leasehold on the property would be reviewed by BOA on XXXX XXXX. On XXXX XXXX, XXXX days before our scheduled closing, XXXX XXXX advised us that the leasehold approval, and thus the entire loan package, had been denied. BOA knew at the very beginning that the property was a leasehold, as are all properties on XXXX XXXX, having been given to XXXX County by the federal government in XX/XX/XXXX It is inexcusable for BOA to have taken XXXX days to report back to us that the leasehold did not meet their requirements. XXXX asked if a refund of our appraisal fee would " help '' ease our dissatisfaction. On XXXX XXXX and again on XXXX XXXX, I contacted XXXX of XXXX supervisors, XXXX XXXX and XXXX XXXX, to reconsider our application based on our excellent credit, finances, and having been a BOA customer for many years. XXXX concurred that they had " mishandled '' our application by having waited so long to review the leasehold, apologized, but still replied " no exceptions '' to their loan denial. On XXXX XXXX, XXXX called to report that the appraisal refund had been denied. I suspect they did n't want further documented evidence of their wrongdoings. Not only are we out of pocket {$440.00} and almost XXXX weeks of lost time, we have to find a new lender, incur a higher loan rate over the life of the loan and higher closing costs, disrupt our scheduled move, utility connections, insurance arrangements, and hope that the property seller is still willing to hold the sale for us. Our financial losses alone will be several thousands of dollars. BOA should not be allowed to get away with such blatant practices at the cost of the consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I was late making a payment on my mortgage and my services decided to offer me a loan modification, with a trial period followed by a mod. I made my XXXX monthly payments, and noticed whatnwas once {$1000.00} in arrears was now close to {$3200.00} in less than 6 months. I then rechecked all my statements since XXXX and noticed there were several questionable and obvious problems and issues taking place in the crediting and servicing of my loan as a whole. There was an {$18.00} 'other fee '' I had been paying since XXXX, come to find out it was a XXXX party insurance company the loan servicer had a policy underwritten and was adding the fee on to my loan and now is charging up interest. There were XXXX home inspections added monthly as fees plus legal doc fees for {$400.00} 3 months in a row. Now I 'm really digging into what this company is thinking by pencil whipping me, it was my fault at first for not following my statement but I had been taking care of my father XXXX. The next illegal move was after I had drFted my monthly mortgage payment on XXXX, the servicer re deposited my payment right back to my account on XXXX. I have never had a company flat return my payment By redepositing and charging me more late fees more home inspections, and the like. It I now has tried to get modified by servicer but when they sent the papers for my signature I laughed at the obvious lack of attention as the forms came with lines blank, legal descriptions not filled out, the monthly payment and interest rate never was modified, yet the added 18 years to my loan and we 're starting the amount owed back at my original loan amount. I sure hope no one else has fallen for this bull. When I did n't sign and return these poor excuses for legal documents the servicer called constantly with threats of foreclosure if these were n't sent in immediately. Did n't fall for any XXXX. Started looking into exposing this wicked greedy and. Underhanded actions by my mortgage company, also I found. Out the. We 're overcharging me for the escrow account which never asked for the same monthly amount over the 4 years plus they were putting all of my extra " principal only '' in a suspense account, and this caused moe delinquent monthly payments again. I hop you can use this info to maybe help me as to what to do next. I refused to refinance or ever modify with any amount over the true amount owedXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed the account of XXXX and XXXX account XXXX several occasions with Transunion I have told them that the accountdoes not belong to me I have sent them a copy of the court order of theresponsible party and they still keep reporting this on my personal creditreport

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (OH).
Issue: Unauthorized transactions/trans. issues

Complaint: I disputed a charge of {$100.00} to XXXX XXXX XXXX on XXXX XXXX, 2017 - a few hours after the transaction fraudulent transaction occurred. After a couple of days after BlueBird 's " investigation, '' they responded by saying that this was in fact an authorized transaction and my dispute was denied. 
Independently, I was able to uncover directly from XXXX the following ( I spoke with XXXX XXXX at XXXX ) That this transaction was charged on line and was not charged by me. 
That the order number was XXXX That the order was mailed to a person that I have never heard of by the name of XXXX XXXX residing at XXXX XXXX XXXX XXXX, XXXX OH XXXX. 
I was specifically told by XXXX XXXX NOT to contact XXXX XXXX myself and instead this must be disputed through American Express. 
Bluebird is insisting that this is not a fraudulent transaction and they refuse to send me documentation that backs up their claim after I requested it. 

The account number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/16/2015 about Debt collection (I do not know) with EOS Holdings, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Repeated phone calls, daily, asking for someone who does not live here. We told them that but they have been calling for years.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of XXXX, I received an escrow reimbursement check from LoanCare because they said we had an overage in our escrow account. I called them and explained that they needed the money in my escrow account to pay my summer taxes and sent the funds back to them to deposit into my escrow account. When I received my XXXX year end statement from LoanCare, I realized that they never paid my summer taxes from my escrow account. I called on XXXX XXXX, XXXX to ask them why and they said that the issue would be resolved by XXXX XXXX and that someone would call me by then to let me know. When I had n't heard anything by XXXX XXXX, I called again. I was told that the claim was never submitted and that they would send it to their tax department and have it expedited. They said it would be resolved by XXXX XXXX and that someone would call me. When I did n't hear from anyone by XXXX XXXX, I called back again and explained my situation again. I was told they would send it to the tax department and have it expedited. I reiterated that they were the third person to tell me this and asked how I would know that it was going to get resolved. They apologized and PROMISED to call me by XXXX XXXX and that it WOULD be resolved by then. By XXXX XXXX I had n't heard anything and called back for the fourth time. I was given the same story and I then asked to speak with a supervisor. I was told that the supervisor XXXX XXXX would call me within the next 24-48 hours. It has now been almost three days and no one has called me. Six days ago, I requested an advocate through LoanCare 's website to help me get this issue resolved but have not heard from anyone.

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 09/25/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX fraudulent Sears credit card accounts were opened using my name and address on XX/XX/2016. This complaint is for the XXXX of those accounts. Since I had never opened these accounts, I thought these were prepaid promotional offers so did not open the mail until yesterday. I received three pieces of mail into total - one piece of mail containing a new credit card for the XXXX account, and two for the XXXX account - an earlier piece of mail contains a bill, and a more recent bill contains the bill with a late fee.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax security breach compromised my information. This event became know to me on X/X/17.  Equifax alerted the public. I was able to cross reference and determine that my information was compromised. I will place a freeze on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Di tech refused to conduct an escrow analysis and then when they finally did the analysis they found that the account had {$3000.00} extra in the account. As of XX/XX/XXXX.2016, we have not received the return of funds over the required minimum. Escrow analysis was completed in XXXX 2016 and then in XXXX the PMI was dropped from the account and another analysis was done and new amount was statwped, but the XXXX and XXXX payments were made in the amount of the new XXXX amounts, but they were crediting the account for {$75.00} less than was payed. 

On XXXX XXXX, 2016, spoke with XXXX and she stated the extra was in an overpayment account except it did n't add up to {$150.00} and futprther went in to state that XXXX payment paid XXXX and then on XXXX XXXX an payment of XXXX was made thus they say the account was up to date XXXX it came from an overpayment account, but the account has never been late and no payment had been missed. Requested a payment history sent to me, refused, stating it would be sent to Netherlands attorney on record. They never communicated a payment behind through the attorney. 

Ditch will not send a bill with amount due since account is in active bankruptcy and when you call to ask for amount, they say pay what you paid the previous month.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with FIRST HERITAGE CREDIT LLC (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I called : Creditor Contact Details :   FIRST HERITAGE    XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , TN  XXXX , (  XXXX  )  XXXX . I Had them check the information and because I used to have an account with an Ex-husband they had the Social Security numbers wrong. They had my Social Security under his name. They have changed that for me to avoid further confusion. Please remove this hard inquiry from my account. It has nothing to do with me. Going through with divorce has caused some Medical accounts to too fall behind on my  credit score . I will pay them immediately. Thank you very much.   Your quick response would be greatly appreciated.   Sincerely.    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (AL).
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: A XXXX XXXX XXXX charge was made and the items never arrived so I disputed the charge. While awaiting a resolution, my account in ending in XXXX was closed and transfered to XXXX. Citi resolved the dispute but they reversed the conditional credit on card ending in XXXX and XXXX. The merchant provided a credit on XXXX.17 and Citi placed the refund to account ending in XXXX but my balance on account XXXX still reflect the XXXX amount

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 03/29/2017 about Prepaid card (Payroll card) with CITIBANK, N.A. (OH).
Issue: Fees

Complaint: This card company charges XXXX for each declined transaction fee. It does n't matter if the website is the issue and you have funds available. 

I was charged XXXX in a two week period and they would only credit XXXX of them. That 's unacceptable 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 02-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: My balance on XX/XX/XXXXon my Capital One credit card was {$490.00}, credit limit on the card is {$500.00}. I made a payment of {$490.00} on XX/XX/XXXX prior to the end of my billing statement to pay the entire balance off. Later that evening I confirmed with my bank that the payment was made. On XX/XX/XXXX I checked my bank account and it stated processed and had cleared payment to Capital One. I then received an email from Capital One on XX/XX/XXXX at XXXX thanking me for my payment that stated that my payment has been posted. On XX/XX/XXXX at XXXX I contacted Capital One because my account stated a {$0.00} balance but also stated {$0.00} available credit. When I called the recording stated the same information about my account and that they have received and posted my payment on XX/XX/XXXX for {$490.00}. I spoke with two people one named XXXX XXXX and both stated that they can release the available hold once payment had cleared and when I told them its cleared through my bank and they emailed me stating its posted I was told that they would call my bank and be on the line as I confirmed my information on who I was and then ask my bank for banking information to confirm the payment has been processed. When I told them I would not allow them to contact my bank and be on the line as I went through the security process to prove who I was and I would not allow them to hear my personal banking information they stated the credit would not be available until Saturday XX/XX/XXXX. I brought up all my paperwork I had received from Capital One about the credit agreement, that I have paid on time each month for over 6 months being with them, I have never had a payment returned, and that the agreement states when the payment is posted the available credit is then available. My issue is they are holding the balance payment until the end of the cycle which will then report to the credit bureau that I utilized 98 % of my available credit and it will charge me 24 % interest on a balance of {$490.00} next month because he said the balance would not have cleared prior to end of billing cycle. How can they hold my payment once out of my account for 5 days until after the billing cycle ends, zero out my balance for the next billing cycle, charge me interest when they payment was removed from my account 4 days before end of billing cycle, report the high credit utilization to the credit bureaus, and breach the credit contract of available credit when they have the payment in their system days before. When I make the minimum payment or anything under full payoff they have never withheld it or the available credit for 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Navient is a loan service company, my school I attended has shut down, and I thought was loans would be discharged, why some of my classmates have had there 's discharged, because the school was giving out false information we where not nationally accredited, so I trying to get this resolved and off my credit report.

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 CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Capital One XXXX shows my account negative on the report until 2022 and there has not been no late payment in 24 months. there should be no late negative for that long before the account goes positive considering its been paid on time for the past 24 months Will with the FTC on ongoing incorrect information and why its 4 years to go Positive

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I contacted equifax on XX/XX/XXXX about the fact that they are not reporting my public federal bankruptcy number XXXX filed on XX/XX/XXXX DISCHARGED on XX/XX/XXXX they keep telling me that they can not input this information despite it being public information and on the pacer.gov website I faxed in my federal bankruptcy paperwork to equifax on XX/XX/XXXX and they have confirmed it was received. This bankruptcy information is reported correctly on transunion and experian I have called and complained numerous times as its affecting my credit report with equifax to this day. There are XXXX negative accounts showing up under XXXX XXXX XXXX XXXX XXXX that should be updated with this information as included in bankruptcy if that is n't enough these XXXX accounts WERE also included in my ex husbands bankruptcy case XXXX filed on XX/XX/XXXX discharged XX/XX/XXXX. I have also contacted XXXX XXXX at XXXX XXXX XXXX XX/XX/XXXX and he said by law this information would be corrected in 72 hours however as of XX/XX/XXXX it is still being reported wrong by Equifax and XXXX XXXX XXXX XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Struggling to pay mortgage

Complaint: My home was foreclosed on  XXXX   XXXX ,  XXXX  by the   XXXX   XXXX   XXXX   XXXX   an entity that does not hold ownership of my note. This problem on my home started back in  XXXX , when  XXXX   XXXX   XXXX  illegally assumed our note from  XXXX   XXXX .   XXXX    XXXX  went into receivership  XXXX   XXXX ,  XXXX   XXXX  purchased all the assets at that time and our note was not assigned to the   XXXX   XXXX   XXXX   XXXX  , however the   XXXX   XXXX   XXXX   XXXX   is claiming ownership.   I have prepared a document called CFPB complaint the   XXXX   XXXX   XXXX   XXXX   and Exhibits which I would upload making my complaint clearer.   I am uploading documents to the complaint which will give the true picture of what has taken place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Billing disputes

Complaint: I HAVE A JCPENNEY ACCT AND I HAVE XXXX INSURANCEON THE ACCT! I HAD A XXXX IN MID XXXX I AM NIOW XXXX FROM A XXXX I AM IN XXXX! THEY SHOULD BE PAYING THE ACCT

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 02/24/2017 about Debt collection (Non-federal student loan) with SLM CORPORATION (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Sallie Mae - They call and leave a message while I 'm at work I can not pick up, call right back and leave another message, all day long. Last I heard More than XXXX calls is considered stalking, is there anything that can be done? I do n't mind a call a day, but this is complete harassment. I am getting a message almost every hour during the day, if not more.

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