milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Trouble during payment process

Complaint: I have the 'automatic monthly payment ' on my mortgage through my Bank of America account for the XXXX of every month. For the month of XXXX, I made a one-time payment date change to XXXX XXXX so I can make two additional deposits to cover the check. I made this change on XXXX XXXX online through my account 's website on BofA and it was confirmed on the site. ( The first deposit of {$1500.00} was made on the XXXX of XXXX and the final deposit on the XXXX of XXXX for {$800.00}. I already had {$340.00} in addition. ) However, the bank ignored my request and went to withdraw the funds on XXXX XXXX instead, when they were NOT supposed to do so. 

Guess what?! I 'incurred ' an overdraft fee and to make matters worse, they did not make the mortgage payment until the XXXX which incurred an extra {$35.00} fee and a returned check fee of another {$35.00}! Both check deposits were from my personal account at another bank. 

I feel Bank of America did this deliberately to add the unnecessary fees to my account. I know this because they immediately tried to get me to buy overdraft protection! 

I want all of these unnecessary fees returned to me immediately! I am very angry about being charged and solicited for business after they unnecessarily charged 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 monetary relief
Consumer complaint received 05-12-2016 about Credit card () with WELLS FARGO & COMPANY (IL).
Issue: Credit card protection / Debt protection

Complaint: Wells Fargo charged a credit fee of XXXX on a balance of 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 03/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Creditor XXXX, XXXX repeatedly attempting to collect a debt after Bankruptcy discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax refuses to allow me to speak to a supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OK).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: On XXXX XXXX 2017 I was notified via a credit monitoring service that Chase Bank had ran my credit report. I called Chase, and verified that this was fraud. They said they would take the inquiry off my report. <P/>The following week, I called XXXX and placed a 90 day fraud alert on my social security number. During this 90 days, anytime someone attempts to run my credit, there is an alert that states fraud has occurred, and to please call me, and it lists my cell phone number. <P/>Since I placed that fraud alert, Chase has ran my credit report 2 more times. The inquiry from XXXX is still on showing on my report, along with 2 more  inquiries. <P/>Chase has not helped whatsoever. I have spent hours on the phone with their fraud department, credit bureau department, and others. <P/>Chase needs better procedures to protect consumers against fraud, especially when there is a fraud alert on my social security number. They also need to be more proactive in removing the inquiries. <P/>Currently my wife and I are applying for a mortgage, and these inquiries have lowered my score, and are causing me to be offered higher interest rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2016 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Mortgage was taking out in XXXX with XXXX. Due to divorce and declared bankruptcy. I have been trying to work with XXXX since XXXX to have my mortgage modified. I also made payments and applied for modifications. After being denied modification I stopped making payments on the loan. 
Currently I am not sure who owns the loan or services. As I have never gotten a formal letter notifying me. I receive a bill from M & T and Service request from XXXX XXXX Servicing on mortgage refinancing. 
I also searched my loan and noticed XXXX XXXX may own my loan.

Company response to consumer: Closed
Consumer complaint received 03/31/2015 about Debt collection (Credit card) with Convergent Resources, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have told this company several times that this debt was paid 12-14yrs ago. We believe the debt was paid to a company that sold it off before they noted the payment. We never heard from either the original creditor or this company since XXXX. In XXXX they started to call. 

Convergence Outsourcing XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Since XX/XX/XXXX I 've sent disputes to Experian informing them of inaccurate personal information on my credit report. I 've included copies of my documents as required. There are XXXX inaccurate personal information that needs to be removed from my report ; that 's XXXX inaccurate names and XXXX inaccurate addresses. See enclosed copies of my documents : Passport, social, utility bill and previous copy of dispute mailed to Experian on XX/XX/XXXX They were in receipt of my last dispute over XXXX days ago and nothing was processed!

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 02-07-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I have totally depleted our financial resources and can no longer make our house payments. We are in our mid XXXX, I am retired, he needs to. We did some amateur research and decided to investigate possibility of " Deed in Lieu of Foreclosure ''. Our house payments have been going to Bank Of America so that was our first call on XXXX XXXX, 2017. We endured XXXX transfers to differing individuals, all of whom wanted to talk about re-finance options. Since we can not even afford utilities we can not stay in this house. We explained that to each person and each responded with " I can not help you with that. May I transfer you to ____ who can give you that info? '' The third person was more determined to sell us on refinance but finally got the message and said we needed to talk to our Investor about that as BOA is just the debt collector. She then told us she could not tell us who the investor is by phone, fax, email, but only by post mail. The total time spent on that phone call was 35mins. Ten days later, we received that information, by which time we had already missed 2nd mortgage payment. 
Yesterday ( XXXX ) when mail came we contacted XXXX XXXX Their immediate response to our story was they could not help us with that, and we needed to talk to bank. HELP! 
We patiently explained all that had transpired by phone and mail, and they finally agreed to Mail us the forms to make application for loan review. Will this process now continue to use up time until we have missed too many payments and foreclosure becomes automatic?

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 10/17/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: I opened a account with Coinbase about 3 months ago and after one month and a half I could n't transfer any bitcoins to other trading platforms because I do n't receive any SMS messages.I called the mobile provider and they said the problem it 's from Coinbase because I receive messages from anyone else which make sense.I emailed again Coinbase asking them nicely to disable any form of authentication so I can get my account back and after a week they said ca n't do that ( other exchanges can and sorted the matter within hours ) and the only thing I can do is to change my mobile number and I tried and it does n't work as well.Since last week I sent them 3 more emails and did n't get any answer.I do n't know what to do anymore.please help.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Bank account or service ((CD) Certificate of deposit) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: Every time I deposit money in Scottrade, there is no telling when it will available. Sometimes it 's 3 days or XXXX maybe XXXX or XXXX ; they hold deposits for ransom. On the website it shows 2 or 3 days - bait and switch. I am going to close all accounts with Scottrade. The branch manager, XXXX XXXX, told me I should just use my other bank account that I transferred money from. Any bank I 've ever dealt with has a 3-day hold. This deposit was an ACH deposit from my other outside bank account. It 's not even a personal check ; it 's from one bank to Scottrade. I talked to XXXX different people at Scottrade and all XXXX had different answers from 3 days to 7 days. I called at XXXX in morning and I 'm still waiting for an answer XXXX hours later ; I 'm still waiting - maybe tomorrow, the money will be available. I made this deposit on XXXX/XXXX/13. On XXXX/XXXX/13, XXXX XXXX said that it should be available. This is a joke. Look on website ; it will show 2 or 3 days.

Company response to consumer: Closed
Consumer complaint received 05-07-2015 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (TX).
Issue: Taking out the loan or lease

Complaint: i got involved into a car loan with 23 % apr with a promise to refinance, but coming to find out the lender does not refinance existing loans. leaves me stuck paying XXXX in interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Closing/Cancelling account

Complaint: I closed my {$450.00} / year Citi XXXX XXXX XXXX card 51 days ago. I called today and to ask why I have not seen a check for the annual membership fee in my mailbox yet - the first rep I spoke with told me that it would take 2-3 billing cycles and that I 'd have to wait. When I said some time had passed he sighed and said 'yeah yeah, it can take some time ' as if I were his fraternity brother, not a premium card customer. Upond repeatedly requesting to speak to a supervisor, I was transferred to XXXX ( rep ID XXXX ) who informed me that I had closed my account 3 days too late to get my annual fee back. When I shared that I was not told that I would not get my fee back, he said that, unless someone had explicitly told me I would get my money back, then there is no issue and nothing he could / would do for me. I have not been advised that I am forfeitting XXXX XXXX when I closed the card - had I been told that, I would either have requested an exception or kept the card open. As it stands, Citi has taken my money, closed my account and essentially is retaining money for services not rendered - without informing me of this. I would like to have my fee back from Citi, I believe a reasonable request as my card is closed and I am not using any services. I was also not told that my fee would not be reimbursed. I appreciate your help in this matter.

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 04/14/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Deposits and withdrawals

Complaint: Bank of America mistakenly retained {$3700.00} through an erroneous merchant service transaction with my business. Although they acknowledge that they have this money that does not belong to them, and that it was a mistake they should have caught, they are refusing to give me my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I made a dispute on XXXX accounts from XXXX XXXX XXXX through Transunion. The XXXXaccounts were generated on the same day, XX/XX/2013. These accounts were completely paid off ; XXXX account was removed and the other XXXX remains on my credit report. I have written several letters to XXXX XXXX XXXX and Transunion, requesting the other XXXX accounts to be removed also. I have been unsuccessful at getting a legitimate answer for my requests.

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 02-01-2018 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (IA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I originated this loan in XXXX. It was for the purchase of a XXXX Carry over truck but it was new.We got the loan at 0 % interest rate. Things were going well as far as payments and amounts being correct until they did a update to their computer system in XX/XX/XXXX. Ever since then there has been a discrepancy of about {$400.00}. I have called and emailed numerous times. I can go back just like they can in payment history, yes I have moved my payment due date but I had always paid in the end what it said the payment was. I did split my payments in 1/2. I did a complete printout of my loan payments since the origination of the loan. If what they are telling me is correct that this is all late fees that had occurred since the opening of the loan and were not paid 1. Why were no phone calls made to me? 2. Why was it not stated on the online account page until XX/XX/XXXX? If there are late fees still owed fine I will pay them but I DO NOT agree with the {$400.00} they are saying it is. I can calculate and in the worst case it is like {$50.00} I owe!! Every time I call the representative says yes I see it and I will get it taken care of.Then there is also times the computer system is down. That has happened alot! They always assure me the problem will get fixed Well guess what it isn't!! GM Financial prides itself on its customer service. That's a load of XXXX!! Even if they offer the 0 % financing really think long and hard about taking it!! This company will put you through XXXX!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently spoke with Transunion about the credit inquiries on my credit report that didnt belong to me. They mentioned there was a glitch with all inquiries being wrongly placed on all Transunion credit reports and could not assist me with the removal of the ones placed on mine. Please assist with getting these items removed. It 's affecting my credit score. I was not notified in writing that these things would be added back to my credit report AND THIS IS AGAINST THE LAW- YOUR COMPANY HAS BROKEN THE LAW!!!!!!!!! PER FRCA SECTION 611. 

XXXX XXXX XXXX, 2016 XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX, 2016 XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 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 05/25/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have  XXXX  student loan token numbers for Direct federal loans taken out for  XXXX  school. I am currently on th e Public Service Loan Forgiveness ( PSLF ) progra m with FedLoan Servicing as my servicer.     My loans were originally serviced by  XXXX   XXXX , where I was enrolled in the Pay As You Ear n ( PAYE   ) pr ogram. I made qualifying PAYE payments between   XX/XX/XXXX  and  XX/XX/XXXX  . During this time, my employer paid $  XXXX  /month towa rds my loans, and I paid the remaining amount.  XXXX   XXXX  never mentioned to me that I was not enrolled in the PSLF program despite working for a  XXXX   (   XXXX  ) (  XXXX  ) employer.     Once I learned that I was not officially enrolled in the PSLF program, I had my loans transferred to FedLoan Servicing i n  XX/XX/XXXX  by  filling out an employer certification form, indicating that I qualified for the preceding year.     Sinc e  XX/XX/XXXX , I have  been trying to get FedLoan to accurately calculate the number of qualifying payments I have made for that preceding year. I have received from  XXXX   XXXX  my payment history, and submitted that information  to FedLoan. FedLoan indic ates that, instead of qualifying  12  payments from between   XX/XX/XXXX  and  XX/XX/XXXX , I  mad e 4 qua lifying payments on  XXXX  of my loan tokens, and  9 qu alifying payments on the remaining  XXXX  loan tokens. I have not yet filed the employer certification form for the payments made between   XX/XX/XXXX  and  XX/XX/XXXX .      I have called every month in an attempt to get an update on the calculation process. I have been told that the calculation should be processing, but after 6 months I have received no information.     In addition, I 've asked whether my paid ahead payments would count towards my PSLF qualifying payment count, and was told yes. I am unclear as to whether this is accurate. I ask because I believe I may somehow be paid ahead with my current payments ( with my employer 's $  XXXX  /month con tribution ), and can not determine how much I need to pay each month to make a qualifying payment. FedLoan will not provide me with that information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Account # XXXX On XXXX the XXXX I was hit with two over draft fees. My balance currently XXXX, XXXX of fees. Consisting of {$34.00} each. I contacted XXXX and was informed that fees could not be waived manually, but he could submit for a review and they could possibly be reversed. The agent also stated I could callback within 24 hrs to check on status. The same night I called back and I request to speak to a manager, the manger proceeds to inform me that I had to wait XXXX chance of it being reversed. On XXXX XXXX, XXXX I call in the morning to check on status, rep and manager inform me that this is not a process or company policy. I was deceived by a representative and a manager.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/29/2017 about Debt collection (Other debt) with Hillcrest Davidson & Assoc (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX, 2012, I registered for an alarm system and monitoring service for my home with XXXX XXXX. Immediately after installation, the equipment installed stopped working. I contacted the company and explained the situation. They refused to repair the problem. Consequently, we no longer paid for a service that had never been provided. Regrettably, several years later, I find that this company is pursuing me for this debt through a debt collection agency. This is a terrible business practice. The company is relying on the amount of time that has passed to pursue a bill that they had by no means earned.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: BSI Financial does n't send me a monthly statement nor do that make one available online each month. In addition, sometimes they post a payment one month after the payment has been made.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Inaccurate information on credit report Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2016 XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2016

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 11/18/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The caller I.D . says Midland Credit. The phone number that shows is XXXX. We have gotten daily and sometimes twice a day harassing phone calls and they have not left a message for the past 1and a half months.

Company response to consumer: Closed with non-monetary relief