milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Bank of America foreclosed on my HELOC because it had expired. I made payments of interest and principal each month and they still chose to foreclose on me. I paid off the mortgage before it went to the foreclosure auction so my complaint is with the accountability of the fees they charged during the foreclosure process. Foreclosure fees increased each week even though the only effort expended by BOA was to publish the forfeiture in the local legal news. Why did my fees increase each week? Title fee. What is a title fee and when would I receive this " title ''? BOA started out charging a {$270.00} title fee and two months later the fee grew to {$420.00}. Why did the title fee increase. The property did n't change. <P/>Please tell me specifically what work was done, when, and why. I would like to know specifically what costs were switched from consumer service to billable hours. <P/>Please also tell me when I am going to receive a the title I paid for. <P/>Lastly, please tell me why I paid the full amount due for a payoff date of XX/XX/XXXX, yet BOA received and negotiated the funds on the XX/XX/XXXX. Why am I not receiving one days interest as a refund? If I was one day short, would BOA call it good? <P/>This theft of this small amount of interest illustrates the depth of deception that permeates BOA from the top down. We 're only talking about $ XXXX-XXXX dollars and they chose to take it thinking I would n't notice. <P/>Please give me a full accounting of the foreclosure fees totaling {$1000.00} and issue a refund for the theft of unearned interest.

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 01/20/2018 about Checking or savings account (Checking account) with Comerica (CA).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: It all started sometime back in XXXX when I was a loyal and good customer of Comerica Bank. I had my bank accounts there including my checking account that this complaint is in reference to. I had deposited an envelope with cash into the ATM machine one day. Long after the envelope was deposited I was notified that the envelope had insufficient funds inside, although until this day I was not able to track where the cash went if it was not in the envelope. Before I was able to return back to XXXX XXXX to resolve the issue, Comerica closed my bank account and reported me to both ChexSystems and Early Warning. I have resolved the issue with Comerica and paid them the amount I owed them. The issue was not clear to me as the representatives were not very helpful at first when I tried resolving it sooner. However, if the envelope was insufficient of funds, it was an honest mistake and was not something I had intended in any way. These two reporting agencies ( XXXX & XXXX XXXX ) still have me actively in their system 5 years later. This has prevented me from opening any bank accounts even until today. I am still unable to open an account which has clearly affected my life drastically. I am a US citizen who was born in XXXX XXXX, CA, USA who has worked very hard, who is very honest, and who was once a very young and successful man before this incident/reporting. Since Comerica has reported me without giving me proper notice and has still actively reported me to the agencies even after I have paid them off, my way of life has taken a turn for the worst. The inability to open any bank accounts and the reporting by Comerica has led me to close all of my businesses, lose all of my business partners and investors trust and relationships, and has recently finally led to relying on the governments assistance to survive. I am now on XXXX and I have lost all of my credibility in my community. This is all due to the false reporting and unethical and immoral practice by Comerica Bank!

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (AZ).
Issue: Taking out the loan or lease

Complaint: Chase has royally messed up. I signed up for Auto-pay at the initiation of my Auto Loan and I was given a slightly reduced APR because I was enrolled auto-pay. Apparently, Chase calls this program " Paymatics ; '' however, they never used that terminology in the loan origination documents. I signed up for Auto-pay, not " Paymatics. '' With Paymatics, Chase wo n't generate billing statements. How is this even legal? When I signed up for Autopay ; I did not waive my right to a monthly statement. I attempted to resolve this matter with the bank, and nobody seems to care. I spoke with a XXXX XXXX who claimed that they do not staff supervisors on the weekend. Being one of the largest banks - if not, THE largest Bank ... how can there not be a Supervisor available?? XXXX transferred me to some other representative, who stated that they are de-enrolling me from " Paymatics '' but Ill still be enrolled in Auto Pay .... She said that since im no longer enrolled in Paymatics, Ill recieve monthly billing statements going forward ... and that Chase will generate monthly billing statements for the previous months that I 've had the loan. I doubt any of these statements are true.. And I did n't want to discontinue my auto-pay because I am no longer elligible for monthly billing statements.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (MN).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company ( US Bank ) is not reporting my payments after my chapter XXXX bankruptcy. The loan was not reaffirmed in the ruling. They also did not close a line of credit attached to my checking account, that is being reported negatively, which was part of the bankruptcy discharge.

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 02-12-2018 about Mortgage (FHA mortgage) with LoanCare, LLC (NY).
Issue: Struggling to pay mortgage

Complaint: I am a XXXX yr old, 3rd generation homeowner who is having her home stolen by fraudulent and wrongful foreclosure and have the paperwork to prove it if someone could please help XXXX  XXXX before my home is taken for good. These documents clearly show that Loancare, its attorneys XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX, are all involved in some manner in this fraud. Loancare and XXXX XXXX XXXX are caught by the lies that they have created. Attached is the real servicing letter I received on XX/XX/XXXX from XXXX to XXXX. The fabricated document created by Loancare ( dated XX/XX/XXXX ) is a lie that appeared on XX/XX/XXXX and exposes the fraud. This letter appeared on XX/XX/XXXX after Loancare fraudulently obtained standing and summary judgement. It appeared with the change of Loancare to XXXX and was created for the sole purpose of backing Loancare 's Lie that they had the original note XX/XX/XXXX. But their lie backfired and exposed them because a genuine true servicing letter would have been from XXXX to Loancare certified with a stamp from the U.S. Postal Service on that date of XX/XX/XXXX. This shows that Loancare and its attorneys lied about their backdated assignment, their fake copy of a Note ( that was never attached to the complaint and didn't appear until XX/XX/XXXX ) The new evidence I have presented to the trial court of the fabricated letter I received XX/XX/XXXX along with the XX/XX/XXXX recorded transcript of my conversation with XXXX ( the real and missing servicer ) stating that XXXX XXXX was the investor not Loancare should allow the courts to prevent my home from being fraudulently foreclosed upon.

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 12/15/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed with Experian credit agency over XXXX accounts that appear on my report which are XXXX and XXXX XXXX. Both of these accounts have reached the 7 year limit and were removed successfully from the other XXXX reporting agencies but of to no avail Experian refuses to delete these old accounts. I would like these XXXX accounts 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 non-monetary relief
Consumer complaint received 04-09-2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: To whom it may concern, I submitted a Multiple Inquiry Removal dispute via Equifax 's online portal in regards to XXXX hard inquiries, that was being reported on my credit report. They received the request on XX/XX/2017 and they completed the request on XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response the EXACT same day after the receipt of my request one can assbume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (Payday loan) with SECURITY FINANCE CORP (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Continental is continuing to report information on my credit report that is not a valid debt. I have filed numerous complaints about this company but the only response I seem to get is they collect their own debt therefore they are not bound by the FDCPA. However they are bound by the FCRA and are required to provide me proof I owe this debt and this debt is mine. I STILL have not got the information I have requested. I want PROOF this is my debt. I want something with my signature showing where I signed for this debt. If this debt cant be verified and validated within 30 days then this is required to be removed from my credit report. I will file a civil lawsuit against this company if they can not comply.

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 04/13/2016 about Credit card () with BMO HARRIS BANK NATIONAL ASSOCIATION (VA).
Issue: Delinquent account

Complaint: I 've been a diners club card holder for about 10 years. A few years back, I stopped using the card. When I moved a year ago, I changed my address with what I thought was all of my accounts, but I missed Diners Club. Since I was n't using the card regularly, I did n't get statements, and so nothing was forwarded from my old address. Then, Diners Club charged me an annual fee on the account. I never received a statement, or an email ( my email address was current with the company ). I only noticed something was wrong when I checked my credit report, and they were showing me 90 days past due for XXXX {$100.00}. When I called them, I discovered it was because of an annual fee. Despite saying they would fix my credit report, it 's still showing the past due at all three bureaus after three weeks. It 's unconscionable that credit card companies can tarnish your credit report simply because you did n't pay an annual fee -- I can understand closing the account, but to be penalized for years because of an unpaid annual fee is ridiculous. What is your credit score supposed to represent? I 've got pristine credit with nearly XXXX accounts over the past 25 years. It should be illegal to report to the bureaus just because of an annual 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 explanation
Consumer complaint received 02/15/2017 about Mortgage (FHA mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Our office represented XXXX and XXXX in the short sale of their home located at XXXX, XXXX, NJ XXXX. An approval for a short sale was received from Rushmore accepting a certain amount to payoff the mortgage granted by Mr. and Mrs. XXXX against the premises. The closing of the short sale took place on XX/XX/XXXX and a wire for the agreed amount was sent to Rushmore the next day as the closing took longer than expected and buyer was not able to send out the wire on the XX/XX/XXXX ( with the approval of Rushmore 's negotiator ). Rushmore accepted the wire the next day and their file was closed. Although our office and the title company has requested a copy of the Satisfaction of Mortgage/Release of Mortgage, Rushmore has not submitted one for recording in the County Clerk 's office and have refused to provide information on the release claiming that it needs to be requested in writing signed by the homeowner as our office is no longer authorized to speak on behalf of the homeowner. Rushmore has had 8 months to file a satisfaction/release and Mr. and Mrs. XXXX have not been the owners of the property since then therefore they do not feel comfortable authorizing anyone to obtain information on a mortgage that has been paid off as they were forced to give up their residence as they did not qualify for a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I do not feel I 've been getting fair opportunities to obtain a new loan modification to keep my home. Even the first modification in XX/XX/XXXX was questionable whether it was fair, my 3.75 % rate remain the same, even though rates were low in XXXX. And a list of following complaints and questions about my mortgage company : Why I am not able to apply my equity to my {$25000.00} plus loan deficit and put the loan in the rear and can get a new modification from my loan company? 
I had and have multiple reduce of incomes over the last two years. 
Previous modification in XXXX was not reduced enough to support my income. My 3.75 % interest remain the same, although rates were down considerably during XX/XX/XXXX. 
I am asking for an investigation of the last mitigation from my loan company whether I was within the 31 % of my income bracket. 
What about being able to get a Tier 2 in house modification? 
I had several hardships in the last two years, but I feel they are overlooked and have not been considered viable to getting a loan modification. 
I am requesting a copy of my loan company DEED, to see if my title was accepted and delivered to my loan company from my original mortgage company, to show if my current loan company has legally obtained my deed. 
I am requesting an investigation into whether my equity in my home has been used by my current loan company during my several requests for trying to negotiate ways to keep my home ... however, my equity has not been used to pay off my {$25.00}, 000 loan deficits. Why??????? 
Whether my income was low or high, the I never was within the 31 % bracket to obtain a new modification, Why???? 
Who are my loan company lawyers that are calling asking for personal information, but do not say who they are and who they represent? Who are the lawyers putting foreclosure information on my door, but do not say who they represent? Are they my loan company lawyers? 
I am investigating whether my loan company is legally my loan company that I been paying since XXXX? Was my deed and title transferred through acceptance and delivery? Or was this another " robo copy '' transfer? '' I am submitting a new Mortgage assistance application on XXXX, hoping my loan company will negotiate another modification, if my loan company is my legal mortgage loan 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
Consumer complaint received 02/26/2017 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Other fee

Complaint: Approximately the XXXX of XXXX I requested via chat interface on Amex 's site a request for a FULL refund on the {$250.00} annual fee for XXXX card. After rejecting their offer of a pro-rated refund, and due to the fact that another card I had cancelled around that time, and which was opened around the time that this card was opened had received a FULL {$250.00} refund, I demanded a full refund. The rep attempted to offer a prorated refund. I rejected it. And after several back and forth messages with the rep and their supervisor, I obtained a promise of full {$250.00} refund to be processed in a matter of days of that chat. As of XXXX XXXX no refund was applied to the account. Upon seeing this, I opened a NEW chat and specifically advised the rep to consult prior chat logs. He failed to do so and once again attempted to issue a partial, pro-rated refund. His supervisor ALSO FAILED to consult prior chat logs and confirmed a pro-rated refund on the annual fee. 

I do n't care what your policy is ; I do n't care what your limits are ; I do n't care what your system will or wo n't let you do. And I do n't care how poorly your XXXX reps operate. I was promised a full {$250.00} refund on the annual fee and it has not been applied to the account. Make it happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Two issues : First, I have received a letter from Sunrise Credit Services , Inc. regarding a balance due to XXXX. I called this agency to tell them XXXX should not be charging me anything due to their own errors, and the representative - XXXX XXXX - hung up on me. 
Second, XXXX is a very bad product because their representatives can not access information and provide assistance without keeping you on hold for long periods of time. In our case, we were moving and XXXX could not provide us with the same service we had at our previous location so we were changing providers upon our arrival at our new home. XXXX disconnected our service prematurely, and when I found out, they established a totally new account in order to reconnect us. I called several times with information and requests for assistance regarding our account and the errors that had occurred, but the attempts were always futile. If we owe XXXX anything, which I do not believe we do, they should write it off because their company and their representatives could not fix the problems they created themselves.

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 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I believe I opened the account with XXXX XXXX XXXX XXXX around XXXX of XXXX. I currently have all my paperwork in storage. After a couple months of paying my bill I started getting late notices when I had made the payment on time. I called and they would say " yes, we see you made your payment. Just disregard the notice '' This happened several times and I would call and get the same thing. I asked " why does this keep happening? '' they said it was the fault of the store I bought the merchandise from XXXX XXXX, so I called them. They told me they had nothing to do with it, I need to talk to the finance company XXXX XXXX. I called them back and told them that and they said that it was n't them. I got tired of getting no where, so I just stopped responding to the notices since I knew I made my payments on time. I paid them off last month and I received a late notice for a bill I no longer have. I am currently trying to buy a house and was told my credit states I had two 90 day lates from this XXXX XXXX. I called them today XXXX/XXXX/XXXX and was transferred 4 times and still never got to the department that could help me with this. This company is ridiculous and I get no where with them. Because of this false credit report, I am unable to buy or rent a home which is why I am living in a friends XXXX with all my stuff in storage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2018 about Debt collection (Payday loan debt) with Critical Resolution Mediation LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I do not know who this company is and why they are calling. The caller said I wrote a three checks that werent paid. I do no know anything abut this. The caller CRM phone number XXXX XXXX XXXX. I have asked them not to call. However, they call every 1? 2 hour.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Ideal Collection Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was renting an apartment at XXXX in XXXX, FL XX/XX/XXXX-XX/XX/XXXX. Upon leaving I verified with previous owner XXXX that the account was paid in full. 
In XX/XX/XXXX the complex was sold by previous owners XXXX and XXXX ( Last names unknown. ) New owners know nothing about this. 

Now, XXXX years later, Ideal collection agency is posting negative information. 

I disputed but the information was not removed. I called Ideal and they gave me the run around and are not immediately forthcoming with any information. I called XXXX and it was sold thus they have no information. Ideal refuses to provide contact information for previous owners. 

This collection is false. I paid on time every month and was fully paid upon leaving. The Ideal agency is not forthcoming with information. 

I want this information off my record. 

Being as it was XXXX years ago I no longer have receipts or any such thing. 

My lady and I are XXXX and this is very stressful. We need this removed.

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