milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-09-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage loan with Bank of America with an escrow account balance in excess of {$7000.00}. Since XX/XX/XXXX, both myself and my insurance agent have been requesting that BofA release funds to pay a {$4600.00} insurance invoice from our escrow account. To-date, despite at least six attempts from me directly, as well as many from my insurance agent, BofA has refused disbursement and I have since lapsed in my insurance policy. I have received excuses first stating that the disbursement was refused because BofA perceived the request as a duplicate policy, as the insurance company sends XXXX separate invoices for payment ; aside from the policy number, there is no duplicative information associated with our request as one part of the request is roughly {$1100.00} and the other request is {$4600.00} ; I have made this point abundantly clear to Bank of America, to no avail. The most recent excuse I received this past Friday ( XX/XX/XXXX ), I was advised by XXXX XXXX that the request was further declined because " BofA can not issue payment on an invoice without the invoice being accompanied by a declaration page ''. I reminded XXXX that on XX/XX/XXXX we were given an expedited reference id # ( XXXX ) that promised to disburse payment by overnight mail to avoid termination of the policy, and despite this promise no one from BofA reached out to me nor the insurance agent advising us of this latest refusal. 
I am now without insurance because of BofA 's actions or inactions, despite having tried since XX/XX/XXXX to have our invoice paid by BofA to prevent cancellation. I AM BAFFLED as to how or why the mortgage company finds it acceptable to collect my monthly escrow payment and refuse to disburse on command ( either mine or the insurance company ). 
I am displeased, I am negatively and unnecessarily impacted, and request your investigation, penalty, and resolution.

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 12-05-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX of 2017, I chose not to move forward with XXXX as my cellphone carrier. I had a certain amount of days to return an XXXX XXXX XXXX ( 128 GB ) before I was no longer allowed to get out of the contract. The device was returned to XXXX corporate store in XXXX, NY. The XXXX customer service representative that assisted me that day, whom was responsible for properly documenting that the device was returned, failed to do so. From XX/XX/XXXX to XX/XX/XXXX, I contacted XXXX over 10 times to notify them that I no longer had that phone in my possession. In XX/XX/XXXX, to my surprise, I got a letter in the mail stating that XXXX sent me to collections using the agency XXXX XXXX XXXX XXXX XXXX XXXX. I contacted them on the day ofXX/XX/XXXX through email, sending them the receipt that proved that I returned the device, and they ignored it. From XX/XX/XXXX up until now, I have been fighting both XXXX and XXXX and there has been no corrections to my credit report.

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 05/22/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is reporting a collection account on my experian credit report this account does not belong to me it is fraudulent someone has been using identity for the past 10 months and I have been a victim of identity theft

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 11/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: While on a cruise I was looking to by airfare tickets back to NY. Came across Delta, XXXX XXXX offer : if I, XXXX open card with them and would be approved for this promotion, and only then, I will get a temporary card number for buying Delta, s tickets and would get {$150.00} bonus, after I paid for Delta, s tickets with temporary card. And I was approved, got temporary card number, bought tickets, but received bill for entire amount. When I called to Delta and told them about promotion, I was denied base on I had a while ago their card. I might have it, not sure, but while on ship buying tickets on on my I pod, I did not see any mention of any restriction, only affirmation : if you being approved for promotion, and only then, you will get temporary card number to buy tickets right away. I could use XXXX and get cheaper tickets but Delta won my business with this promotion.Please help me, as a XXXX person, {$150.00} means a lot and it is not nice to lie about promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I HAVE DISPUTED WITH EQUIFAX CREDIT BUREAU REGARDING A COLLECTION AGENCY NOT UPDATING MY REPORT DUE TO BEING NO LONGER LIABLE AND BEING SATISFIED. THE CREDIT BUREAU DID AN INVESTIGATION THAT WAS VERY POOR. THE CREDIT BUREAU ALWAYS GOES WITH WHAT EVER THESE AGENCIES SAY AND NOT DO A THOROUGH INVESTIGATION. I FILLED THE SAME DISPUTE WITH   XXXX   AND IT WAS REMOVED DUE TO A THROUGH INVESTIGATION WITH HAVING ALL THE FACTS NOT JUST BELIEVING THE COLLECTION AGENCY. COLLECTION AGENCIES DO LIE AND SHOULD BE REPRIMANDED TO THE FULL EXTENT.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (DC).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: The Honorable XXXX XXXX Deputy Director, Consumer Financial Protection Bureau XX/XX/XXXX XX/XX/XXXXDear Deputy Director XXXX : This is a complaint about the failure of two national banks, XXXX XXXX XXXX and SunTrust, failing to properly audit an ATM machine to resolve a discrepancy in the amount disbursed to me when the ATM malfunctioned on XX/XX/XXXX. 

I am XXXX years old, and a checking account holder at the XXXX, XXXX branch of SunTrust. However, as a matter of convenience, I initiated an ATM withdrawal of {$300.00} at a XXXX XXXX XXXX branch at XXXX XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. Once I initiated the transaction, the ATM mechanism designed for disbursing the currency mangled all the {$20.00} bills, except one, keeping {$280.00} of the cash proceeds for which my SunTrust account was debited. I was able to see the mangled bills in the ATM mechanism but could not do anything to resolve the dilemma. I espied a XXXX XXXX XXXX employee inside the bank premises and went in and implored her to assist me before another ATM patron initiated a transaction of withdrawals and thereby might receive the balance of my funds. 
The XXXX  XXXX XXXX employee scoffed at my request for help, advising me that ATM transactions are beyond the authority of their duties at XXXX XXXX XXXX. I knew this to be untrue because I have witnessed bank employees retrieve electronic debit and credit cards from ATM machines when the ATM has mistakenly confiscated a patrons card. 
So, I became more insistent that someone help me because I believed that since the cash proceeds had been delivered to the mechanism for disbursement, my account would be charged although I had been deprived of the full amount of the authorized withdrawal. 
The refusal to help me escalated to another unprovoked level when the XXXX XXXX XXXX employee beckoned security ( a XXXX government police officer moonlighting ). I was assailed by the security agent who, like me is XXXX. From there the development of events went beyond anything that can be described as rational or reasonable. 
Both XXXX XXXX XXXX and my bank, SunTrust, have denied my claims for an honest audit that would, if honest, reconcile the amount ( {$280.00} ) of cash proceeds that I did not receive from the XXXX XXXX XXXX ATM onXX/XX/XXXX 
This complaint is made to enforce my rights to having this matter conciliated in a manner that reflects the chronological developments which can be documented by the digital and visually recorded data contained within the XXXX XXXX XXXX repositories used for safekeeping records of digital surveillance and financial transactions at the ATM, all of which validate my claim.

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 03-08-2017 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I own a second home that was financed through XXXX. I have been paying my mortgage directly to them for many years. I went to their website to get my year end statements for taxes and the account no longer existed. I call XXXX and at the end of XXXX and was told they sold my loan to Bayview Loan Servicing back in XXXX. I have never been sent any documentation from Bayview. I received a few phone calls from a women who asked me to call her back because she has good news, which I did not do. After speaking with XXXX, I realized that this women was from Bayview and gave her a call. She claimed I was 4 months behind on my mortgage and offered me to restructure the loan. Instead of a XXXX mortgage payment I can lower it to XXXX. My XXXX mortgage payment was in the XXXX range. I then asked her to email me some documentation and statements so I can review and respond. I still have not received any. I have called but no response. My situation is now I 'm in contract to sell the 2nd home and am afraid this will cause a problem. Not sure what to do. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with M.A.R.S., Inc. (OK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am attached a long pdf in an attempt to explain the list of events by a collection agency trying to collect a debt for an apartment complex I rented from last year. 

They claim I had over $ 2k in damages. They kept around {$900.00} in deposits and refuse to apply all of my security deposits to the damages. In addition, there were terms for a walk through that were denied to me. It is in the lease and final move out docs. In addition, they are charging me for carpet that looks great but they say the backing is stained. What? The backing? the carpet was n't even new when I moved in. 

At any rate, they are keeping around {$900.00} in deposits, charging me {$1100.00} and now adding on around another thousand for legal fees ... all because I keep disputing and trying to make them get the fees correct. 

They have handled my situation so poorly and has now gone from a {$1100.00} debt ( damages that I have not seem proof of as I left that apartment is good condition ) up to {$2200.00}. They are adding on all kinds of legal fees as I try to deal with them and they continue to dismiss my concerns. 

I do not believe that these legal fees were necessary. I did not pay the debt originally because they would not apply my full security deposit to damages. I did not pay the original debt because they had me sign a blank for and put in damages later. Damages that I do not think were there ( under the carpet that I could not see ). Over charge on paint. Improper service of summons. 

They have put me off and not wanted to deal with my ( seemingly legitimate ) concerns that I am not being charged correctly. Now they want to add on all these attorney fees. Now I am in a position of fear : pay the debt I do not owe or have to pay an attorney to go to court on my behalf for a lawsuit. That seems wrong when the apartment complex has errors in their bill. Why should I have to pay for attorney fees when they will not address my concerns? 

They are using a fear tactic. Lawsuit for {$1100.00}. They know that a defense attorney would cost more than me just paying the wrong debt. That seems illegal to me. Yes? No?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I was a victim of identity theft from someone who has stolen my accounts info as well as my personal info I reported to them they said that it wasnt valid. Bank accounts and credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have been trying to rectify inaccurate information on my credit file with Equifax since XXXX of XXXX. In XXXX XXXX, I received email correspondence with Confirmation # XXXX that accounts that were inaccurate on my file were deleted. In XXXX of XXXX I also received confirmation # XXXX with results of two more deletions of inaccurate information. I have continued my effort in correcting my file with Equifax since then, and they have been very reluctant to provide me with any proof of validation or evidence for the remainder any inaccuracies. I was then placed in the office of Consumer Affairs which then fraudulently placed a Fraud Alert on my file that subsequently relayed to the other two main bureaus. I did not authorize this nor did I ask for it in writing or verbally. They have tried to make it impossible for a consumer to rectify any inaccuracies. They also added accounts that are identical to other accounts and continue to say that is legal. They did not notify me within 5 days of any reinsertion or any reinsertion of previously deleted information. I had a dispute for two inaccuracies on my file with confirmation # XXXX dated XXXX XXXX that was initiated on XXXX XXXX. I received that in the mail on XXXX XXXX, XXXX. There are breaking the law and have not given me a Certification of accuracy of information as stated in FCRA 611 ( a ) ( 5 ) ( B ). They have also never sent me results for the initial two items I disputed which were disregarded in their last correspondence. This is my last goodwill effort to rectify this matter and if these items are not deleted I will be filing suit in my county for the disregard and damage done to my credit file by not following the FCRA and Laws that govern Equifax Department of Consumer Affairs. 
I am also requesting that they take off the Fraud Alert on my account. I am unable to pull a credit score or information from EQUIFAX because they are blocking my file from 3rd parties. I want that taken off Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TekCollect Inc. (TX).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I owed XXXX dollars to my previous dentist. 
They sent it to a collection agency with wrong contact information, wrong phone number and wrong address. 
afterwards as I was applying for home mortgage, the bank figured it out and gave me the collection agency phone number. 
I paid the balance in full the same day. 
After that I asked the collection agency to remove it from the credit reporting they hung up the phone on me. This is the only incident that negatively affected my credit history all my life.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: On XXXX XXXX, XXXX I refinanced my mortgage with Option One Mortgage Company in the amount of XXXX. Option One Mortgage became a defunct entity in the state of North Carolina in XXXX. On XXXX XXXX, XXXX I received a notice of foreclosure of deed of trust from XXXX XXXX. This notice stated that the present holder of the deed of trust is XXXX XXXX Bank XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX. There was no note attached to notice of hearing. On XX/XX/XXXX months after the notice of foreclosure an assignment of the mortgage from Option One Mortgage Corporation ( a defunct entity ) was assigned to XXXX XXXX Bank XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX. Although XXXX XXXX and XXXX require the servicing company to send a pre-foreclosure notice and notice information, the servicing company did not provide the notice before accelerating the loan on behalf of XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX before become the alleged holder of the note on XXXX XXXX, XXXX according the assignment recorded in the XXXX XXXX XXXX of deeds on XXXX XXXX, XXXX. The deed of trust signed by myself and my spouse clearly states that notice would be sent before the acceleration of the debt. The servicing company is attempting to have the property sold on Tuesday XXXX XXXX at XXXX when it knows that the 45 day pre-foreclosure/acceleration letter was not mailed as required by NC law.

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 Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian has my XXXX XXXXXXXX XXXX showing Negative. This account does not go positive until 2022 and there  has not been a late payment in over 18 months It should not take 4 years for this account to go positive considering it has not been late in over 18 months. 

FTC has been filed as well to this 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 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: Experian continues to report inaccurate, unvalidated information to my credit file. I have proof from the creditor that this information is not valid. This credit bureau is willfully violating the FCRA. According to the FCRA, this item should be removed immediately.

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 02/19/2018 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (NV).
Issue: Closing on a mortgage

Complaint: I refinanced the Mortgage that I had with PHH Mortgage back on XX/XX/2015 almost 3 years ago. They never provided me with a lien release & stated that they mailed it to the county along with a check for the county to record the reconveyance. I simply asked for a copy of the recon and they said they lost it when they shut down the office that was preparing the documents 3 years ago. They said it can take up to 30 days to produce a duplicate. They want me to make my payments on time but yet I have to wait 30 days for a document that should have been sent 3 years ago. I find this totally unacceptable. I also asked for proof that the county cashed the payment. XXXX said she can not get me that information. I feel that they are purposefully not being honest with me. I started this process 4 business days ago & nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Mortgage (Conventional fixed mortgage) with United Shore Financial Services, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company United Wholesale Mortgage failed to pay city and county tax for XX/XX/XXXX. The city and county transferred that bill to a collection agency. 
By the time I received a bill from the collection agency, the penalty amount has reached {$1200.00}. The total amount including principal + penalty = {$4500.00} I paid for that bill. 

I contacted United Wholesale Mortgage on XX/XX/XXXX asking them to reimburse me the total amount. They said they paid me the principal already back XX/XX/XXXX and agreed to investigate about the penalty. 
I checked my bank records and do not show receiving that principal amount. 

At this point, they dropped the case and stopped responding to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: When I first Got approve for A XXXX card my credit limit was {$1000.00} and then 2 months later they decrease my credit limit down to {$100.00} and said the bank did it because of delinquent payments on my credit which is not true because I do not have any delinquent payments on my credit I pay all my stuff on time. I think it is unethical for this bank to falsify false information that is not on my credit.

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 07/28/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (CT).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Have been charged Late Fees repeatedly month after month for payments that were set up directly with my financial institution and this credit card company was not applying my payment in a timely manner causing a late fee EVERY month. I verified with my financial institution the account number and remit address, both were correct and the payments were mailed in enough time to be received by due date.

Company response to consumer: Closed with monetary relief