milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Late last year I opened a credit account with Bank of America, due to the terms and rewards advertising I decided to apply and was approved. Then about 4 or 5 months later they closed the account without explanation and told me they would not reopen it. I then asked if that would affect my rate to which they responded that it would not so I kept making my minimum payments since I figured at zero percent I was better to do it that way. Suddenly my minimum payment goes up about 3 or 4 months ago. I told them what the problem was and they told me I qualified for no such thing ( zero interest ) and in fact I had been always paying interest, and now my promotion was over and my interest was to be 28.99 % to which so far they have changed several times, I think the last one they gave me was 20 or 21 %. First they gave me a rate that was low or so I though and then they close the account without me being able to accumulate more rewards or take advantage of the rate for the full terms. These people should not get away with this, without someone doing something about it. Thank you!

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 07/28/2016 about Debt collection (I do not know) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a Victim of Identity Theft. For months now, I have been trying to repair the damage that my Credit Worthiness has sustained as a result of this violation of my Financial privacy. I 'm at my wick 's end trying to resolve this matter. Some assistance and direction would be greatly appreciated. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (Auto) with SRA Associates, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Many times I overheard and observed Collection agents using threatening tones yelling in abusive tones over talking completely abusive to customers who are delinquent in repayments with auto creditors In addition many times company is unwilling to provide documents when requested There are many behind the scene violations which require continued investigations

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Checking or savings account (Checking account) with First Data Corporation (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I cancelled a merchant account with  First Data  XXXX   XXXX  in  XXXX    XXXX  . I would be happy to scan and send copies of the cancellation letter from my nonprofit organization, the form requested b y First Data cancelli ng service & a bank account showing the amounts charged. Total amount charged monthly from  XXXX   XXXX    XXXX   is {$130.00}.   I calle d First Data  on  XXXX   XXXX  this year to ask for a refund. They asked that I submit paperwork relating to the charges which I did to  XXXX  XXXX  XXXX . They did not respond. I called again on  XXXX   XXXX  and eventually managed to speak to a supervisor,  XXXX . He said he had all the paperwork from me and could see th at First Data had not cancelled the account nor made any refund. He   confirmed it was now cancelled. ( I had already cancelled the account with my bank ). He said I should call back in a couple of weeks. I called this morning -  XXXX  was unavailable. I spoke to another supervisor and after a lengthy conversation she informed me that I had to send the request again to  XXXX  XXXX  XXXX . I asked to speak to someone in that department and was told they only accept emails. I feel sure that  XXXX   XXXX   does n't want to refund the money, so now they are giving me the run-around in order to not make good on what is owed. I do hope y ou can help me as this is a considerable amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: even though I made payments to  citi bank..it w as n't the minimum..but now that I can make the minimum payment on a balance of {$12000.00} witch I am told is {$330.00} I 'm told I need to pay an extra {$290.00} and if I do n't I 'm going to continue to be charged a {$35.00} late fee ... this seems extreem

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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: There is an additional name on my report from XXXX  that isn't me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: I was sent an offer to start a trial period payment for my home equity line of credit from bank of America on XX/XX/2016. But Bank of America never mailed me the terms of the modification agreement. 
XXXX is my only language. 
I have been making my payments, but

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 09/29/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (LA).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX XXXX I live in XXXX XXXX XXXX. I 'm a flood victim in XXXX XXXX, the flood XXXX on XXXX XXXX 2016. On XXXX XXXX I contact my mortgage company Nation Star to inquire about a forebearance program for my mortgage payment. As I explained my situation to a Nation Star agent over the phone, the agent complied that the company does provide services to help disaster victims. As I recorded the entire conversation the agent suggest that he credit my payment that was paid in full on the XXXX of XXXX back into my account. The agent assured me that I would receive NO late fees or penalties. He explained while I recorded the conversation that he would enter a code that would prevent any type of penalties. I recieved the credited payment for XXXX on the XXXX. I received a threatening letter in XXXX stating my payment for XXXX being late and I could be subject for foreclosure procedure if the bill is n't brough up to date. I immediately paid XXXX and XXXX in the sum of XXXX on XXXX XXXX. Nation Star credited my mortgage for XXXX back into my account and explained this is a program they offer. On XXXX XXXX after I paid XXXX mortgages in full Nation Star placed me into the credit burea and insisted that I was XXXX to 59 days late. My score dropped tremendously. I spoke to supervisors on several occasions and ask them to pull their tapes to examined that this company act in a manner to credit XXXX paid mortgage, non of this was my fault. Nation Star recovery team only complied that their agent made a mistake. I want to file charges with this company. I never had a late mortgage payment or penalties, this company have severely hurt my credit and I seek your help to help recover my loss of promises and active credits of my mortgage and the huge drop in my credit. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Trouble during payment process

Complaint: I took out a home loan in XX/XX/XXXX with XXXX XXXX which filed Chapter XXXX Bankruptcy. I spoke with the Trustee and they informed me that the loan had not been sold. I did a HAMP modification and the current Servicer has not given me the documents requested regarding the HAMP Program and signed modification agreement. As anyone can clearly see the payment history and loan balance do not make any sense, since I was current on all payments and therefore received payments from the Federal Government according to the HAMP guidelines, which Caliber Home Loans refuses to give me a copy of. They start their balance sheet on XX/XX/XXXX which was the first payment due with an unapplied funds account with {$100.00}, a Late Charge of {$780.00}, and Fee Balance of {$1000.00} which are absolutely incorrect and I have been paying on this since XX/XX/XXXX, plus interest and other late fees and costs, while I patiently waited for my " free '' HAMP loan modification. Once again I request that the Attorney General and the Consumer Financial Protection Bureau please audit this loan as soon as possible since I suspect fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Closing/Cancelling account

Complaint: I had applied for a bank of america credit card. They issued a wrong card with different benefits. In fact the card they issued had no benefits at all. When i was talking to rep about it, i was mis informed that if i cancel the card without activating it or putting any charge on it, it would not be reported to the credit bureaus. That made cancel that card and another card for my wife which was never activated. @ weeks later XXXX cards are on our credit report as closed by consumer. Not only are they not clearing that, they are not letting me re-open those cards. This is hurting my credit. When i called back to inquire about, they are brushing it off as mis information on part of the agent and not offering any solution.

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 12/24/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: This company was told twice by my attorney to send them debt verification and were told on the phone I had representation. 
They contacted me afterwards twice by phone, once on XX/XX/XXXX and once on XX/XX/XXXX. I told them not to contact me and gave them my attorney 's info. They never sent any debit verification. I sent them a letter stating same on XX/XX/XXXX. We never received anything in the mail. This is part of why they were sued for debt collection mishandling. They are now doing the same thing to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2015 about Mortgage (FHA mortgage) with CMG MORTGAGE, INC. (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for assistance in saving my home with my servicer, CMG Financial, on XXXX/XXXX/2015. I hired an attorney to help me submit my paperwork. My attorney confirmed CMG Financial received my full and complete application and all financials on XXXX/XXXX/2015. My attorney called CMG Financial several times for an update after the submission ( actual dates XXXX/XXXX/2015 - told only option was to leave a message ; XXXX/XXXX/15 - told only option was to leave a message ). No calls were ever returned. CMG Financial never sent out any letters per RESPA Reg X ( XXXX ) that they received the application or that they denied the request. They say they have sent out letters, but they actually have not. To date I still do not have any letters of receipt of application/denial or approval. Then on XXXX/XXXX/2015 my attorney spoke with CMG Financial and they stated my loan modification request was denied on XXXX 2015 due to liens on my title. I was not given the opportunity to appeal my denial before the 30 days period after my denial because CMG Financial withheld the denial letter and would not accept calls and did not return messages during this time. It is apparent they did this on purpose solely to evade allowing me to appeal my denial. I have a valid appeal as I have cleared my title and I am certain I qualify for assistnace. I feel my servicer purposely withheld my denial letter, avoided taking calls from my attorney and did not advise me I was denied in order to evade allowing me the time appeal the decision before setting a sale date. If I had not received the Notice of Sale, I would have never even known I was denied or was even reviewed. I still do not have a denial letter. I wish to appeal the denial, however the servicer has now set a sale date. My attorney states this was done on purpose. This servicer evades even speaking with me or my attorney. I have to call in and not enter my loan number. If I enter my loan number it only goes to a voice mail that no one calls back. I feel this is wrong and they are purpose evading my requests to try and resolve my delinquent loan and are simply pushing me into foreclosure.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CONTRACT CALLERS INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In 2011 XXXX XXXX XXXX XXXX XXXX NY investigated this debt from XXXX XXXX and it was found to be not valid due to the inability of XXXX to produce any bill that was in my name. Contract Callers Inc. is now calling on a daily basis stating it was my debt. I asked them for supporting documentation from XXXX to verify the debt and they told me I could call them and verify the debt. I told them if they could not provide verifying documentation, they would need to cease and desist from any collection activities according my rights under the FDCPA. They refused to produce the supporting documents and said all they had to provide to me was a statement, written by them, stating that they were collecting a debt for XXXX.They also told me that this debt was on my credit report. This debt is not on my credit report because it was removed once the XXXX XXXX XXXX XXXX NY found that it was an unverifiable debt. The harassment and strong arm tactics of trying to get me a pay a bill I am not, nor never have been responsible for is completely unfair and is infringing on my rights as a debtor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 09/23/2015 about Mortgage (Conventional fixed mortgage) with TCF NATIONAL BANK (MN).
Issue: Application, originator, mortgage broker

Complaint: In XX/XX/XXXX my boyfriend and I purchased my current house. Because of my previous credit history, we were required to do an FHA mortgage product. My boyfriend is a non-occupying borrower. My sister lives at the house with me and pays part of the mortgage payment. 
Early XX/XX/XXXX, my sister and I began conversations with XXXX XXXX at the TCF XXXX office. We wanted to get out of the FHA Mortgage and remove my boyfriend from the note ( keep him on title ) and have my sister on Note and title. On XXXX XXXX, XXXX requested bank statements, last 2 year tax returns, last 2 years W2 's and last XXXX paystubs from my sister and I. We emailed the required documents XXXX XXXX. 
XX/XX/XXXX - First phone call with XXXX XXXX at the TCF XXXX, MN office. XXXX informed me he would be taking over the refinance process we started with XXXX at the XXXX office. During this phone call he informed me it would be best to eliminate my sister from the process. I gave XXXX a credit card number for the appraisal. 
Shortly after the XXXX XXXX phone call, in the mail I received a Notice to Loan Applicant from TCF disclosing my credit score from the report that was pulled on XXXX XXXX. Per the Notice my scores were Equifax XXXX, Experian XXXX and XXXX XXXX XXXX. 
My complaint : After two months of back and forth communication with XXXX XXXX at TCF XXXX, MN office I was declined a refinance mortgage loan for reason of " Bankruptcy ''. It was unnecessary for me to pay the {$400.00} for an appraisal when my credit report, pulled on XX/XX/XXXX, would have clearly shown the previous bankruptcy ( and foreclosure ). If TCF operates under strict guidelines then I should have been denied a mortgage loan immediately. Why did they pull another credit report on XX/XX/XXXX? Why was I asked for additional documents after the date of the denial letter? I was never asked to provide any documentation of the bankruptcy ( discharged XX/XX/XXXX ). The customer service I received from XXXX XXXX was horrendous. I was ignored on many occasions and some of XXXX 's comments were rude and unprofessional. I went into this in good faith and was lead on for over 2 months sending numerous, unnecessary personal documents. I feel this was unethical practices by TCF and their employee, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-10-2017 about Mortgage (Other type of mortgage) with SELECT PORTFOLIO SERVICING, INC. (NV).
Issue: Trouble during payment process

Complaint: New Mortgage Servicer - not the bank that loaned the money for the house, but anyway, calls on the XX/XX/XXXX if the payment is due on the first two months in a row and it is done at XXXX XXXX  which is illegal they can not call before XXXX XXXX and I work nights  and this is the second month in a row they have called. I notified them twice and that is why I am filling this report they are not following the terms of the agreement and I am sick of being harassed I believe that they need to be investigated for their collection process. I have two months free of charges during their transfer period. Where is the protection for the customer when these " companies '' handle your mortgage just looks like more fraud to me and if they play with my mortgage one more time I am walking and you can all go XXXX yourselves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (WI).
Issue: Account opening, closing, or management

Complaint: I tried to open a bank account with Citibank. 
The account was opened and funded. Now they asked me for verification with Driver 's license. I traveled XXXX and my Driver 's license XXXX a few days ago. 
I asked them if I could fax my Passport they refused. They said it 's only Driver 's license they need.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I purchased a washing machine from Conn 's a while back and I fell behind on my payments. A few months back I started an auto draft from my bank account of XXXX each paycheck ( bi weekly ) to resolve this debt XXXX my payments are {$67.00} XXXX. On XXXX/XXXX/2015 I received a call from a Conn 's representative that i was still behind but she would take a {$20.00} payment that day and that would be caught up. I made the payment but the calls about the debt have not stopped. It is currently XXXX and I have received XXXX phone calls today. XXXX of which have come AFTER I spoke with someone today about discontinuing the calls as I have caught up with my payments. It has long been their practice to call anywhere from 6-9 times per day in resolution of a debt. Receiving what feels like a call every 90 mins feels like harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-04-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I briefly logged into my XXXX email after not being able to login for some time. <P/>I was given notice that my student loans were due before proceeding on to the income based repayment site to setup a new arrangement. <P/>I already had an arrangement in place, yet the following information showed up in my XXXX email, which I did not have access to, this University is presently under investigation regarding its environment and allowing it to be hostile to students and new information was sent to the Attorney Generals Office regarding their collection practices, before and after they were attempting to force collection efforts for an amount that was not factored correctly : CURRENT INFORMATION AS OF XX/XX/2017 Total Amount Due {$1400.00} Total Due By XX/XX/2017 Past Due Icon Your account is past due. Please see your billing statement for more information. This bill has 2 accounts : Stafford Loan Account with U.S. DEPARTMENT OF EDUCATION ( XXXX ) Payment Reference Number : XXXX Stafford Loan Account with U.S. DEPARTMENT OF EDUCATION ( XXXX ) Payment Reference Number : XXXX This payment, along with a {$5000.00} payment is set by the school for repayment. <P/>I recently just filed for unemployment benefits and may be working soon, as well as returning to school, however MANY efforts to force repayment have been occurring, along with efforts to force homelessness, impoverishment and inability to return to school have been gathered. <P/>I recently attempted to work with the school, and advised them, I could not speak to them regarding the debt owed while the investigation was going on as it would be a conflict of interest. They had called on a Monday and again on Friday ( Friday is when I shared this information with them ) after the two calls, I finally was able to login to my account and noticed extra charges on top of the ones that were not supposed to be added, as I never attended the Summer Session, also when I did attend the school I did not receive the services I was paying for. The reason that the services were not provided were some of the matters being brought up in the OCR and Missouri Commission on Human Rights investigation. <P/>These issues have been made aware to the Attorney General during the times when the school reached out for payment. An update to the Attorney General website is pending, as we acquired a confirmation number upon the most recent visit and will provide more updates, if no other case number has been assigned.

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