milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/13/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: Bank of America has instituted a " maintenance fee '' on my account, however I have not been told anything about this. Why? When? How much?. I have been a customer with BofA for over 12 years, and have never incurred any maintenance fees on my checking account. I have now " paid '' {$68.00} in maintenance fees, because I do n't check my account often and I now " owe '' Bank of America {$12.00}. This is ridiculous. Bank of America doesnt pay me interest for keeping my money with them, and then after 12-15 years they start charging me without telling me. 

To add insult to injury, the website tells me the only contact method available is the phone ( every other bank has chat and email available for bank accounts ). And when I call, Im told I have to wait on hold 22-30min ... its almost 2017, this is absurd.

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 12-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am currently in the process of purchasing a Home and with that my credit reports were pulled. XXXX ask me if I had any negative accounts and of course my answer is no because I make on time payments. But when I reviewed my reports they show that I have one account that is negatively reported. I scroll to see what account it is and it says USAA. BUT HERE 'S THE TURN I HAVE A XXXX BALANCE ON THE CARD. So, why would it be showing on my file in the negatives. Status showed as account just being open. So, I sent a message to USAA to inquire about this issue. The response back was that I had a late payment back in 2015. But I also have records that I never received a statement for that month or previous. As it shows on my credit report as well because USAA is known to pick and choose each month rather you will have a statement and payment due or not. I only received a letter once payment was considered late. 

I reached out and asked them to update and correct this because my account is not in the negative and I hold no balance as well as out of the years I have been with them they have never given me a increase if though I always paid my balance off on time when they actually sent me a statement. 

Now moving forward to last month they did update the status but they also updated as being a delinquent account so it has made my score drop as it was updated as paid as agreed but delinquent by 30 days. I asked that this be removed. I have not received a response from them. This old incorrect information has made my score drop drastically and has caused for a stop in my home purchasing process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (I do not know) with ERC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I disputed this listing with a credit bureau and it was removed. In XXXX 2017, it was placed back on my credit again listing different information. I 've disputed it once again with XXXX and am waiting on results. I 've also disputed this with ERC, the credit bureau making the claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I was the victim of an email spoof that resulted in a wire of {$70000.00} being sent to an unknown account. I was able to advise the bank within about 10 hours and prior to the wire being funded to the other account to stop. This all happened on XXXX XXXX, 2017. The account that my money was sent to is a bank of america account. Since that time Bank of America will provide no information to me regarding my money. My bank wire fraud department checks in with them weekly and they tell them it is still being investigated. I am begging for your help with 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 explanation
Consumer complaint received 08/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I paid my credit card balance in full on XX/XX/XXXX. The online statement then showed a XXXX balance. On XX/XX/XXXX the payment was processed a second time for the exact amount, thus overdrawing my checking acciunt and causing the line of credit to do a {$2000.00} auto transfer. 
I called the bank and they said it would take a week to gey s refund, and then inwould be out the interest and use of the {$2700.00} in funds. Not acceptable. A major US bank that takes your money in error and can not return it next day? This is abuse, taking advantage of the elderly, and very poor customer service. They autodenited me in error and received immediate credot but will not return the funds for a week and will not pay the interest on the advance. 
This is why we need your help, as only the CFPB has the clout to make this right. 
Thanks

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 11/21/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (SC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I submit a previous request ( XXXX ). 
The company submit proof that I never sign. I need original copy, with my original signature in a notarize document. I need copy of the only modification paperwork that I did in 2010 with XXXX. I 'm taking legal action agains XXXX XXXX. for fraud and forgery and probaly agains SPS if I do n't received an appropriate answer from them, since I tried to communicated with them several times and nobody can give an answer about my problem. After spoke with my lawyer, if we do n't received copy with my original signature, we will included SPS as well as part of the legal action for fraud and forgery since they own my mortgage now. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (Credit card debt) with Apple Law Group, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX, CEO of Apple Law Group, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Tel XXXX together with his employees has advised me several years back that upon payment to his company as a debt consolidation, my creditors will be paid back and settled. The program included direct withdrawals from my bank every month and on XX/XX/XXXX the program was paid in full to his company. To-date, my creditors were not paid by Apple Law Group Inc. I called XXXX 's office numerous times. His representatives have disconnected their phone numbers provided earlier at sign up. I was once told by phone that after XX/XX/XXXX it takes six months to settle and pay the creditors. It is XX/XX/XXXX and nobody at Apple Law Group Inc has paid my creditors or responded to me in writing or by email or verbally of the contractual obligation agreed and notarized in New York. This is a theft of money and non-performance of his company 's operation as agreed in writing. I demand an immediate settlement to my creditors by Apple Law Group Inc plus refund of all interest money collected by Apple Law Group Inc. The operation of Apple Law Group Inc is a scam and totally unreliable.

Company response to consumer: Untimely response
Consumer complaint received 08/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (DC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am being contacted by cellphone number and mail from ERC and XXXX about an incorrect information about phone account and I wish they would get a life and leave mines alone because I do n't bother anyone who wants not to be they call my family and friends that are going to be a problem with calling my grandma I been told you to leave me and my family alone about account you bought for less than {$30.00} or even XXXX dollars

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-12-2017 about Student loan (Private student loan) with SLM CORPORATION (FL).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: XXXX   XXXX  - calls placed by former student of  XXXX   6 t o 7 times t o Sallie Mae. Sti ll was not provided information requested - MPN, signature, disclosure documents, etc. for  XXXX   XXXX   XXXX . Please expedite this information to  XXXX   ( ov ernight mail ).     Falsification of documents suspected, and not being expedited as to the investigation.     Misinformation provide d by Sallie Mae Allegations and Investigations in that informed to send a letter ( attached ) addres sing issues, details, and proposed solutions regarding suspected fraudulent activity by   XXXX   XXXX   on  XXXX   XXXX .  One   XXXX   XXXX  informed that an affidavit has to be completed befo  re Sallie Mae will investigate.
Faxed documents over to Customer service and Sallie Mae Customer Service said never received. ( also attached - only part of document pertains to Sallie Mae. ) Then faxed to 2   other departments.     Date of  XXXX   XXXX  that loan documents signed was date that  XXXX  was at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (I do not know) with ALEXANDER-ROSE ASSOC, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact Alexander rose per the address listed on my credit report and the letter sent just info about dates of the collection. Did n't even read what I sent or cared. I sent it to the bureaus and they ignored it. Please help if you can thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Bank account or service (Checking account) with Empowerment Ventures, LLC (OK).
Issue: Deposits and withdrawals

Complaint: There was a debit or XXXX debuted from my rush card on XX/XX/2016 and I did not authorize such a transaction XXXX XXXX. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (OK).
Issue: Closing on a mortgage

Complaint: Unable to reach mortgage company to get release of mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2015 about Mortgage (FHA mortgage) with Servis One, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was sold to BSI Financial ( aka Servis One ) in XXXX 2015. Since then I have asked for XXXX modifications and was denied. Now they have stopped paying my homeowner 's insurance and taxes and have significantly increased the reported balance of my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I moved into my house and had XXXX Install home phone and internet service In my home within the last week I have received 8 phone calls From the same debt collection company south west credit Asking for a woman I do not know. 
I 've returned all 8 phone calls this week and have told them Not to call I do n't know who the woman is that they keep calling and asking for. 
I have repeatedly advised the caller of the fdcpa and I get a call 2 hours later from the same debt collection company but from a different phone number. 
Several times the all is a automated robotic voice again from The same company but using a different number.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am continuosly getting phone calls and letters stating I did not make my XXXX 2017 payment to Navient. I have it set up automatically through my bank online to make monthly payments of {$200.00}. My bank, XXXX XXXX, records show the check was cashed on XX/XX/XXXX. I sent the records to Navient and they have not fixed the problem. I have spoken with customer service on several occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to no avail. On XX/XX/XXXX, I faxed the neccessary paperwork from my bank proving they cashed my check on XX/XX/XXXX and they have done nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Attempted to access free credit reports from the XXXX main providers on the " annualcredit report.com '' website. Process only worked for XXXX. I could not complete ordering of reports with Transunion and XXXX. XXXX kept telling me to call a phone number which went nowhere. Never able to talk to an agent. Transunion would only allow access if I agreed to pay for a " credit score ''. Upon returning to XXXX, I was informed that I had received these reports, which did not happen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have filed several complaints with XXXX, XXXX & Experian in regards to information from a creditor in regards to some medical bills that I am not aware of from XXXX XXXX XXXX in XXXX, MI. I have filed several complaints with the creditor and credit bureaus with no success in having them removed. I have been doing the run around game with the credit bureaus since XXXX of 2016. and they refuse to fix the problem.

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 08/24/2015 about Credit card () with DISCOVER BANK (CO).
Issue: Credit card protection / Debt protection

Complaint: To Whom It May Concern, I 'm writing to inform appropriate authorities about Discover Card fraud tactics. 
During a month long trip to XXXX. Many of my financial accounts had been compromised. I 've been able to successfully refute all fraudulent activity with other financial institutions - with the exception of Discover Card. 
Their process is very unorganized, aggressive and unjust. 
Every time I call into their XXXX - get a different " customer expert ' from a different city that interprets the notes on my account inaccurately. 
On XXXX occasions I 've called in concerning status of my dispute and XXXX It was stated to me " sorry that XXXX has done this to you '' 1. XXXX is my wife and was with me in XXXX. Never have I even gave them the name of XXXX in my original complaint. There is no way she could have done any of this. This is false judgment/deformation of character and slander. 
2. I 've tried on multiple occasion correcting the " random '' customer service agents that answer the phone for Discover but have reached my patience 's end. 
3. Discover should provide consistent and accurate information when customers call in. Period.!! If that means I need to speak with the same agent, someone familiar with my case every time, use a special number, then Discover needs to assign such a person to my case. 
4. Due to the fact that Discover has got too many reps hands into this case - there have been many inconsistent account charges being credited/debited from my account. 
5. I 've not had any of these issues with other financial institutions since my return, only Discover. The company that uses " {$0.00} Fraud Liability '' as XXXX of its lures for customers. 
With the Consumer Financial Protection Bureau and other regulatory agencies now involved my hope is this can be resolved without any further legal escalation. Which might include : character damages, the subpoena of Discover phone recordings and account notes. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Consumer Loan (Vehicle lease) with Fusion Auto Finance (NY).
Issue: Taking out the loan or lease

Complaint: Fusion Auto Finance is engaging in fraudulent business practices. XXXX XXXX works with Fusion Auto Finance to hold the title for leased and owned vehicles. I leased a vehicle in XXXX 2013, with XXXX XXXX referring me to Fusion Auto Finance. I am 2 months away from lease end, and a dealership wants to purchase my vehicle. The payoff amount ( to buy the car outright ) with loan company is {$17000.00}. Since Fusion is the holder of the title, they are arbitrarily and fraudulently raising the price to {$20000.00}, without any explanation as to why the price is being increased nearly {$3000.00}. Spoke with Fusion, who is based in both XXXX XXXX New York and in XXXX Texas. Their contact information for certain employees go to bad numbers. The New York Banking Authority has NO record of them. They are engaging in fraudulent activity and this must be corrected. The dealership could not buy out my vehicle because Fusion was charging nearly # XXXX over the loan price, without any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America sold our mortgage to XXXX. We continued to pay Bank of America on time each month and they continued to accept and cash my checks when I went into the branch and paid them in person. We were n't notified of the sell otherwise we would have switched to paying XXXX. Over the past 9 months, we have made numerous attempts to dispute the 30 day lates on our credit reports both directly with Bank of America and all XXXX credit bureaus. In spite of my numerous letters and copies of canceled checks they have been provided the lates are remaining on my credit reports. 
We simply do n't understand how Bank of America can fabricate a wrongful credit history. 
This situation continues to have a significant damage an impact on my wife 's fragile health and medical status, continues to cause mental anguish and negatively impact our long term relationship and is causing significant damage to our ability to the peaceful and quiet enjoyment of our personal financial lives.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Just trying to find out why when you need to find out how where your report use to get goods and if you need to use your own SSN # that it has been damaged or destroyed my credit is so bad after XXXX let out important information that 's I would think that when you need to remove information that 's is incorrect that it should be in your favor but now we are having trouble getting any help with home or personnel credit from any creditors.

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 12-04-2015 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: never received my report

Company response to consumer: Closed with explanation