milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/22/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I had a checking account with Bank of America, that was closed due to " suspected '' fraud activity. Bank of America explanation of the alleged activity was not sufficient and I denied the allegations. They still elected to close the account and further report the reason to XXXX And XXXX. <P/>I have attempted on several occasions to remedy the situation as I 100 % do not agree with the account being closed and furthermore the negative trade line that was listed on XXXX and XXXX. <P/>To date, I have sent two emails to the CEO. I have mailed two letters to the account closure department and I have also spoke to someone in the credit reporting department for Bank of America. <P/>All these departments are unwilling to help with the situation. I have explained in the great detail of what happened and also explained that the negative and unproven item being reported To XXXX and XXXX has hindered me from joining other banks and moving on. I have requested they remove it with each communication. Their response has been a firm " no. '' It is really unfortunate that even the CEO office has not even taken the time to discuss this 4 year old situation with me and bring a resolution to it.

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 05-12-2017 about Vehicle loan or lease (Lease) with JPMORGAN CHASE & CO. (DE).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I was scheduled to return my car lease but my tire blew out and the car needed repair. I informed the dealership that I would return the c ar one day late, which I did. Because the car was returned one day la te, the original creditor,  JP Morgan   Chase,  marked the account as a " charge off '' and also a late final payment. Because of this, my credit report has been destroyed.     The irony is that I ended up buying the same car at lease end. It was financed through the same bank ( for extremely high interest rat e ) a nd so they are actually benefiting from destroying my credit report.     I have all necessary documentation, including proof of both the tire blowout and my contact with the dealership. I 've provided it to  JP Morgan but t hey 've declined to help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Other

Complaint: I have an account with Chase Bank that has been in delinquent status over 7 years ; however, Chase Bank continues to report that the account is still within the 7 year statue of limitation by moving the last delinquent date of the account to keep the account current for collections. I have attempted on many occasions to get Chase Bank to validate their position on this and they have failed to produce any documentation to support their claim. Please investigate ASAP.Creditor Name : CHASE BANK CARDAccount Number : XXXXAccount Open Date : XXXX/XXXX/2008Account Delinquent Date : XXXX/XXXX/2008

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Bank account or service (Checking account) with U.S. BANCORP (NY).
Issue: Account opening, closing, or management

Complaint: I had a checking account with US Bank and I think they have stolen/lost {$6000.00}. I moved to New York and they did n't have any branches there. I needed to pay rent on an apartment and I could n't do a bank transfer because of cash withdrawal limits, so my plan was to order checks, write one out to myself, cash it at a local bank nearby, and get a certified check to pay rent. I asked the representative if they could waive the check fee, and they said they could n't, but a supervisor would help. The supervisor promised to waive the fee. When I called back about if the checks were mailed, they said they were n't, and that waiving the check fee was impossible. When I told them another supervisor had promised to waive the fee, they did n't believe me. I asked them to mail the checks again, this time with the check fee, and they said they would, but never did. In frustration I asked them to close my account and mail me the balance, which was about {$6000.00}. They said it would take 3-5 business days to process, and another few days to reach me. I made the request on XXXX XXXX, 2016. I waited 3-5 days later. On XXXX XXXX I asked about where my check was. They said it was " mailed '' but had no record of when it was mailed or if it was mailed. I waited again until XXXX XXXX, 2016 -- which would have given the postal service 4 days to send it -- but no check arrived. I called, and they said sorry, that it was mailed, but provided no proof it was ever mailed. They even started to question which money I was talking about. I went online to pull my checking account statements, but because the account was closed, they pulled all my statements offline and I have no records online of my checking account even existing. This is starting to border on theft, and I 'm frankly frightened they 've lost {$6000.00}. They said they would look into it further, but this is n't good enough. I 've waited over 14 days for this money, and I have rent and bills to pay. The fact that all my records are gone online without warning that they were taking it off the internet, the fact that they have no records of ever mailing the check, the fact that I have yet to receive the check, is very very troubling and bad customer service. By the way, there was no miscommunication about my address. At a minimum, when they 're mailing a certified check of that amount of money, they should have a tracking number in place so that these issues do n't happen. Given the XXXX XXXX fraud, I would like the CFPB to investigate this issue further. I 've been on the phone with them at least 10 times in the past week, and I 'm exhausted.

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 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). This is the second specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : XXXX XXXX XXXX # XXXXXXXX XXXX XXXXs ... I have Demanded a copy of my signature or some proof of Claim, affidavit from both copies. I received nothing back and it has been over 30days since my complaint to both companies.

The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A. ) I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation andfuture credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue

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 03-10-2018 about Mortgage (Other type of mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Struggling to pay mortgage

Complaint: As to so many times previously, My name is XXXX XXXX XXXX and my husband XXXX XXXX. We had placed a total of 10 complaints related to Select Portfolio Servicing and their deceptive practices, but your department only send the complaint and wait for the complaint to be answer. But here we go again. I submitted a loan modification to SPS multiple times. The latest modification of mortgage that I received was in the amount of {$4500.00}, a larger amount than the one I received before, the interest rate at 7.475 % adjustable rate the same terms I had before with the same principal balance of {$530000.00}. This are the receptive practices from SPS. 
First I had been given five years off my debt due to Statutes of Limitations ( see final summary judgement interest rate from XX/XX/XXXX to XX/XX/XXXX that make us only 70 payments past due not 125 past due payments as they keep stating that is due. 
I contacted and submitted a complaint also to the Federal Trade Commission, Florida Office of the Financial Regulations for providing servicing in Florida without a license and third open a law suit related to the present charges and not giving us credit for the 5 years deduction. No one is to big to fail. Thank you for your communication service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FACTUAL DATA CORP. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: ACCOUNTS ARE REPORTED THAT ARE NOT MINE PLEASE SEE ATTACHED LETTERS

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: We are trying to qualify in order to buy a home and need our credit report corrected reflecting that this charge-off is paid with a XXXX balance. I am unable to attach a copy of a letter from the credit card company indicating a XXXX balance and settlement of the charge-off. We have urged XXXX  to report this change to the credit bureaus immediately. We can not qualify to buy a home without this correctly listed. The account is listed in my wife 's name, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX   The account number ends in XXXX and listed in my wife 's name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, N.C. XXXX The paid-off amount is {$5400.00} on a balance of {$10.00}, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Student loan (Non-federal student loan) with Social Finance, Inc. (NY).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: A very large company XXXX SoFi XXXX that refinances student loans is undoubtedly engaged in deceptive and predatory lending practices. I know this because I used them to refinance my student loans recently. They advertise interest rates that would clearly be interpreted by any reasonable person as annualized rates and even call the interest rates " Annual Percentage Rates '' in the loan documents but they actually compound this rate on a daily basis, making the effective annualized rate significantly higher than that which is being advertised. I carefully reviewed the loan documents I received and only in one place, buried deep in the disclosure, does it say interest is accrued on a daily basis, and even that description is confusing because it fails to disclose that the actual interest rate a borrower will pay on an annual basis is higher than the " Annual Percentage Rate '' because of the daily compounding of interest ( which I think is a very material omission ). I genuinely believe SoFi is secretly robbing indebted students of XXXX dollars PER STUDENT by engaging in these predatory tactics and I believe action needs to be taken against them immediately. SoFi includes a well-crafted arbitration clause in their loan documents and the clause prohibits class arbitration, which effectively prevents any borrower from bringing a claim against them. I would be happy to represent myself against them, and luckily the agreement states each party pays its own legal expenses unless a claim is frivolous, but the fees of the arbitrators would quickly dwarf the amount at issue in my individual case, WHICH IS WHY I NEED YOUR HELP. You are the only available remedy for these kinds of shameful, predatory tactics. SoFi is a HUGE ORGANIZATION and the effect of taking action against them would benefit XXXX students. You have the ability to do a lot of good here ; please do n't just let it pass you by. This is wrong, legally and morally, and you should do something about it. If you agree to pay my share of the arbitrators ' fees I would be happy to take up this cause myself and set a precedent against them ( though decisions in arbitration are n't binding, it would still look very very bad for them and may encourage changes to their practices ) but I am not going out of pocket XXXX dollars more than I already am out of pocket because of these shady practices ; I really ca n't afford that.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Mortgage (Other mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (OR).
Issue: Settlement process and costs

Complaint: Back in XXXX my now ex husband and I had a 2nd mortgage through Beneficial HSBC. In XXXX my ex and I divorced and I was forced to file bankruptcy. During the bankruptcy proceedings beneficial wrote the debt owed to the loan off and closed the loan, note I did not request this they did this. I have not had communication with Beneficial in over 6 years until now. I 'm selling my home and Beneficial came up as a lien during this process. Beneficial never released the lien with the county. I have been in contact with Beneficial several times since XXXX XXXX, also my escrow officer has been in communication with Beneficial. We are getting the run around that this is being taken care of and expedited this was back on XXXX XXXX. We have requested to talk with managers and have been told we would receive a call back but this never happens. Today they told us they have submitted just today a lien release request to management this would take 7 business days and 3 weeks to send to our county to be recorded. We dont have another 3 weeks for an expedited service ...!!! The buyer signed papers XXXX XXXX but we can not close without the release. We are now facing that my buyer may not be able to go through with the purchase because of the time it has taken to close, we have had to do a lot with the buyers bank they are not patient anymore. This is causing great deals of frustration and stress. Very disappointed that we seem to not be getting anywhere with Beneficial, after all they never did what they where supposed to do 6 years ago and release the lien. They have been dishonest in communication to both myself and escrow officer and have XXXX integrity. I need help to get them to do as they said they would and be able to trust this will be done since this will be the 6th time I have been told its in review. I need resolutions this by this week, or it will cause economic damages to the buyer and to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Mortgage (Other mortgage) with ARVEST BANK GROUP, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Dear Sirs and Madams Arvest Bank, Arvest mortgage is now saying that there is other funds of {$2000.00} in complaint XXXX as a response. But before they did not mention any of those funds at all from Insurance claim, a Claim of funds in anyway you look at it are funds to be used for the purpose of repairing my Homestead. So I 'm a little confused of you sending me the funds to my name as shown in that case XXXX let me get this straight I 'm behind on monthly mortgage payments and you are so kind to give me a check {$2000.00} ( DOES THAT MAKE ANY SENSE ) I will not commit fraud by me cashing that check as I see those your intentions those funds belong to General contractor and mathematics are {$87000.00} + $ XXXX $ XXXX of course Arvest Bank, Arvest Mortgage do as they wish I guess changing Mathematics as well, I will continue to due the correct and the lawful thing which is put VOID in that check as it does not belong to me. Where ever those funds are at this time your guess is as good as mine but XXXX XXXX does NOT have those checks. In reference General Contractor Contract which you have all XXXX XXXX with my signature with XXXX XXXX with a notary stamp on it. If you did not agree with contract you have you should have gotten a revised Contract from XXXX XXXX. But instead you gave him a check for the amount of {$19000.00} at this time XXXX XXXX XXXX tells me that is a legal binding of Contract with Arvest Bank, Arvest Mortgage, Central Mortgage and myself XXXX XXXX. You have received a 100 % completion of his work by your choice of Inspections and till this date you keep saying that the checks have been distributed but at the end of the day XXXX XXXX has only received {$19000.00} plus {$10000.00}. You can dispute all you want as well as your Mathematics skills. This hole ordeal is making my health to deteriorate getting XXXX not being able to sleep or eat or function. How much can a person take XXXX Get sued by Arvest Mortgage XXXX My father gets diagnosed with XXXX XXXX XXXX I loose my XXXX XXXX XXXX father passes away XXXX XXXX House XXXX down XXXX Negotiating back and fourth with Insurance trying to match General Contractors numbers for 6 months XXXX XXXX attorney gives my rights away in a NON-Jury that I was not aware XXXX XXXX Arvest Bank, Arvest Mortgage, XXXX Bank, XXXX XXXX break in to my Homestead and steal what little I had left XXXX XXXX a LIEN on my home not being able to modify with XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My loans are in an income based payment plan. My husband and I re-certified and a customer service agent informed us that if we sent in my husbands paystubs by the end of the week, the low payments would continue at we would stay on the payment plan. This was in early XXXX. Unfortunately, this was not true. After calling in multiple times and receiving different information, we were told that it would be processed the week of XXXX. We were also told to put our loan in forbearance while the IDR was being processed. We were also told to just not pay XXXX and take auto debit off. We also received multiple emails with different payment amounts over the last few weeks. 

Once it was processed, the effective date was XXXX. This caused two problems : 1. A lapse in IDR caused around {$9000.00} in interest to capitalize. 

2. Our XXXX payment is over {$1000.00}. 

Nelnet 's practices are both unfair and deceptive.
Nelnet should have all the respective documents so I will not be submitting any. Lastly, when you call Nelnet, they inform you " If you received multiple statements, please disregard the second one. ''

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Was headed down the road of not being able to afford the house, so I contacted the mortgage company for payment assistance. The rep told me in order to help me I need to not make 3 months of payments then call him back. Otherwise, he was not going to help me. After 3 months, everything fell apart, tried to sell house. Had XXXX offers on the house and BoA rejected all offers and finally on the XXXX offer, wanted to debate the buyer for {$5000.00}. The rep " XXXX '' was stalking me and threaten to come to the house and make me give him the mortgage and call me day and night until a man answered by calls ... 
At the end of one year, I gave the house back to BoA. 3 months later BofA sent me a letter stating the loan was forgiven (??? ), but still gave me a negative mark on credit report. Why?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I am writing about a dispute between Citi Bank and XXXX XXXX. My credit card is issued by Citi ... and is called the Chairman card but is pursuant to a license from XXXX XXXX. When I make charges, it functions as an XXXX XXXX card. My bills, which are automatically paid in full every month, come from CITI. Here is the issue : Due to some kind of dispute between Citi and XXXX XXXX, they have refused to issue new cards with the chip. The customer service rep at Citi told me recently that they have a contract issue that is still ( after two years ) not resolved, so they can not issue a new card with a chip. In answer to my question about when a decision would be made, the Citi customer service rep said he would file a complaint on my behalf and that there were others who had requested he to the same on their behalf. What can be done to get at Citi Chairman card with a chip? I can not get an answer from either company.

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