milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/26/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been going back and forth with Bank Of America trying to get a modification on my loan they purchased from another bank. 
I am not going to provide too much of my personal information due to he fact that I am uncertain of the security of this site. I have been telling Bank of America that my interest rate is 8 % which is way too high. I have had my mortgage for about 10 years and only {$300.00} is going to the principle of the mortgage to pay it off. I paid over {$25000.00} in interest alone to BanK of America. If this bank received bailout money from the government why is it so hard for them to work with homeowners. I have been receiving letters from them asking me to just have a shot sale and move. I have never been late on my mortgage in all the nine years I have had this house. It 's only recent that I have been have trouble with paying the mortgage and I would n't be asking for help if I did n't need it. It really is starting to cause health issues when dealing with these representatives who work for Bank of America. They sound like robots as if they are reading from a script and they are repeating themselves. Example : I made a late payment, but was still trying to get approved for the modification. The representative made a statement to me, " Well, XXXX I see that your mortgage is current so there is no need to continue the process for the mortgage loan modification ''. I was puzzled and really got upset because she is suppose to be my relationship manager XXXX. She do n't really understand nor can she speak english. It 's almost like she is really not helpful with the fact that we have a language misunderstanding. She does n't work in my best interest. I have done through this for over a year and half and recent got denied yet again. I need help and hope that their is something that can be done to lower my interest rate and mortgage payment. I barely can afford to feed my family because of the fact that we are struggling.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: I had ask Fifth Third Bank on XXXX in XXXX XXXX Florida, to close out my account because I had a lot of unauthorized stuff coming out of my account. I went and talked to XXXX in that branch in the end of XXXX of 2010 she was very rude and would not close out my account she gave me no expiation of why she would n't. I had money going into the account every week but they would take out the debts first and then the credit the check. Which caused us overdraft and then they charged all these fees. These XXXX things not closing out my account and take out debts before crediting my checks that went in automatically. Fifth Third Bank charged me {$1500.00} in returned item fee because the would n't close out my account and {$570.00} in overdraft fees. This was unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Rewards

Complaint: I have a British Airways credit card from Chase. One of the card benefits is that if you spend {$30000.00} in one calendar year, you receive a companion Travel Ticket. 
To reach this {$30000.00} target by XX/XX/XXXX, I used the card on XX/XX/XXXX with a purchase of {$3500.00}. This made my XXXX total of {$30000.00}. 
Chase states my calendar year purchases only total {$27000.00} and they will not count the {$3500.00} purchase because in their system internally it posted on XX/XX/XXXX. However, the XXXX credit card statement sent to me by Chase from XX/XX/XXXX shows the purchase of {$3500.00} was on the date of XX/XX/XXXX. 
Their Terms & Conditions state " Cardmember must make {$30000.00} in Purchases in a single calendar year on their British Airways Visa Card to receive a Travel Together Ticket. '' The T & C does not specify posting date, only Purchases as defined in a single calendar year. 
I have fulfilled the requirement but Chase refuses to honor my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: TRIDENT ASSET MANAGEMENT is not a licensed collection agency in the State of Florida. Since they are not licensed in the state of Florida they and not allowed to collect or report on debt on someone who lives in Florida. They by law must close this account and remove any reference of it from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX is reporting a collection for a timeshare that has been paid off for years. I never stayed there, paid all my maintenance fees up to the time I told the company they could have it back and sell it to someone else!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Macy 's allowed for the opening of a fraudulent credit card in my name in XXXX XXXX. I had not authorized or requested the card. When I found out about it via a credit report in XXXX XXXX, I promptly called Macy 's credit card number and alerted them to a possible identity theft and asked them to close the card and inform all the credit reporting agencies. Macy 's Fraud Investigation Department acknowledged my complaint with a postal letter asking me to reach out to the XXXX credit bureaus. 

I also filed an identity theft report with the XXXX ( Texas ) Police Department and signed an affidavit and sent a copy by certified mail XXXX these documents to Macy 's. In addition, I have paid XXXX to have my credit report monitored. 

In the three months after I submitted my documents and spoke with their representative asking that the reference to the unauthorized credit card be removed from my name, Macy 's has not done so. In fact, Macy 's let the credit agencies know in XXXX XXXX that this unauthorized account is past due ( according to my XXXX monitoring service ). When I called Macy 's expressing my extreme frustration at this negative hit against my credit rating, they were quite blase about it and suggested that they might get around to looking into this in the next few months. 

I find Macy 's credit card practices to be quite unacceptable - they allow for card accounts to be opened with minimal investigation and then seem uninterested in helping redress the wrong. I would appeal to the CFPB for assistance in having Macy 's expunge the reference to this card from my name.

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 07-11-2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Customer service / Customer relations

Complaint: My Citi Simplicity credit card number had been stolen a month ago. I worked with Citi Simplicity to contest and resolve unauthorized charges on my card, and was issued XXXX new cards. After review of my statement from the past month, I realized that of the XXXX unauthorized charges, all had been credited back except XXXX. I called the number on the back of my new card to speak with someone so that I could get this overlooked charge removed. I have tried calling the past 3 days, all while being on hold for 30+ minutes, resulting in having to hang up each time. Recently today I called the fraud department # that was on the text message I received, thinking that would fast track me, no luck. In this case I was on hold for 15 minutes, then an automated recording came on to tell me to call back later. I use this card heavily every month for work expenses, I expect to be able to get in contact with my credit card company, should there be a charge that I did not make. As of this afternoon, I have yet to speak to an actual person, while I still have an unauthorized charge on my card.

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 02-01-2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian is reporting an inaccurate Dismissed Chapter XXXX BK filing with the Illinois Federal BK Court case # XXXX associated with a social security number # XXXX I have disputed this several attempts to have it removed based on the FCRA Law of inaccurate filing. I have contacted XXXX XXXX XXXX that the Experian Bureau says they are verifying the information. Experian keeps stating " IT IS VERIFIED ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax , Inc. allowed, without my consent, the personal financial information of both me and my spouse to be compromised by hackers. Now they want to offer me the opportunity to monitor my credit if I waive my legal rights to hold them accountable. In addition, I read in the NY Times that corporate executives went on a stock selling spree prior to acknowledging their incompetence and I hope these individuals are prosecuted for this clear illegal activity to the fullest extent of the law. I have been the victim of both credit application and tax fraud in the past and I am sick of wasting my personal time having to deal with the repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On XXXX XXXX, 2016 at XXXX. XXXX I received a voicemail from Dynamic Recovery Solutions from XXXX. 

I called them back at XXXX. XXXX. I requested the name, address, and phone number of who they were calling. He kept asking if I was XXXX XXXX. I finally confirmed I was XXXX XXXX and he took a very long time to finally give me the contact information that follows : Dynamic Recovery Solutions XXXX, SC XXXX XXXX At this point, I requested to know the name and address they had on file for me. He provided an address that was added to my credit report during an incident of identity theft. 

I asked who they were collecting on behalf of and he asked if I would validate the last XXXX digits of my social security number and then read them too me. I refused to verify this information and he refused to tell me who the collection was for. 

My understanding is they should not be handing out even the last XXXX digits of my SSN to anyone, ever. I suspect they are n't a valid debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2015 about Debt collection (Payday loan) with Goldstein, Cruise and Smith LLC (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Started receiving calls back in XXXX stating we had an outstanding payday loan that we needed to resolve before they charged my husband with writing fradulant checks where I cut them off and told them that if it was indeed a payday loan it was not a criminal matter, it was a civil matter and do n't try to hustle me. Told them I would call them back in 24 hours and we could discuss. I still received multiple call on XXXX XXXX. Called multiple family members saying they were looking for my husband in regards to a serious matter, continue to contact my mother-n-law even though her number was put into the do not contact website because she just had a XXXX XXXX. Call from XXXX, XXXX, and XXXX numbers. Requested validation of debt on XXXX XXXX, 2015 only received an email with wording from a gmail that said we owe the debt but no proof or attachment of loan documents. XXXX a local County Clerk 's fax number and said they were a process server coming to serve my husband but I could call to make a payment to stop further action. I contacted the XXXX County Sheriff 's and Clerks office and they never heard of the process server and stated the number was a fax number she called from and calls could n't be made from it but scam artists are known to XXXX lines. I have send XXXX requests to the XXXX account requesting proof of the debt and I get no replies ; however I get voicemails left over and over again. Both on cell and work numbers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I received a bill for XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX, XXXX XXXX Ending in XXXX for the amount of {$190.00}. I have no such card, I did not apply for this card. I have never activated this card. I have never received a card. I have never made a charge related to this card. Capital One has closed this card and is investigating the charge made on XXXX XXXX, 2017 for XXXX ( {$190.00} ). Awesome Capital One. I do not have cable in my home in any form. The problem is that they state that this charge will remain as part of my credit bureau for 60-90 days. I 'm in the process of moving, this will report as a delinquency as I pursue that process. Capital One is falsely reporting this card and charge on my credit bureau. And will report it as delinquent as of no payment XX/XX/XXXX the pay date on the letter. The supervisor XXXX and rep. XXXX eliviated themselves of any responsibility as to what they could do. I advised them to remove the charge completely until investigation was completed. They stated they could not do that. Even stated that someone was keeping up the account. Which was incorrect as this bill states XXXX for prior payments and balances and the only balance is the charge of {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Debt collection (I do not know) with Van Ru Credit Corporation (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am getting harassing calls on my cell phone and in my office from the phone number XXXX. I did not answer the phone because I did not recognize the number and have had to file for this type of incident before. When I XXXX the number. a listing for Van Ru Credit came up with listing of harassing complaints. They do not leave a message, so I am unaware as to why I am receiving a phone call from them. 

Van Ru Credit CorporationXXXXXXXX XXXX XXXX XXXX, Illinois XXXXhttp : //www.vanru.com/Contact.htm

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (SC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I submitted my corrected application for Repaye income based repayment to FedLoan Servicing on XX/XX/XXXX. In XXXX I paid my bill. In XXXX they said to wait for the IBR application to process and they were going to switch me to forbearance for a month but had to pay {$5.00}. On XX/XX/XXXX they cashed my check for {$5.00}. In XXXX, I called and they said they forgot to apply the {$5.00} to the account so keep waiting for the XXXX bill which will be the Repaye amount. Today, XX/XX/XXXX, I call and they said that my account is past due and that my application is expired because its over 90 days old. They offered to put me on forbearance for 12 months and told me I have to reapply for IBR because they cant process my application. Its now too old. Today is the first time I heard that the application is not being processed due to it being too old. 

Also none of the representatives that I spoke to in XXXX or XXXX told me that the application was too old and that I needed to reapply. They kept telling me to wait until the Repaye bill was sent in XXXX and to not pay the standard repayment plan. That the {$5.00} forbearance payment was supposed to cover that until the Repaye kicked in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2016 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (SC).
Issue: Problems when you are unable to pay

Complaint: I called on last week about my account with Security Fiance in XXXX SC I called one week I owed {$140.00}. I made a payment and I called again it stated I owed {$170.00} nobody could explain to me about how the late fees work because that is over XXXX of late fees in the last 3 weeks. I contacted the consumer complaint department for Security Fiance and they contacted the Regional Manager. I had missed calls from him so I called him back on XXXX/XXXX/16. I told him nobody could explain it to me and it sound like late fees was backed dated. He explain to me that some people do not understand how to explain it. Then he started in a firm tone. You are young woman and you are messing up your credit. I told him excuse me sir I understand, but I did not call for you to preach to me about my situation, because you do not know what have taken place with me. I told him I have been out of work for a year, and I have paid a XXXX account to down to XXXX. The Regional Manger stated that he did not like my tone. I told him just because I still own you money in a calm manor does not mean that you can disrespect me or any other customers. I told him I am a adult, and I am not a child. He went on stating that people that are not in business do not understand. I told him I work in business, and I am a educated person that is not slow of understanding if you explain to me. The Regional Manager threaten and stated he will put my account as a hard account. He threaten a deceptive practice because of our conversation. Yes, my account is late but I have been paying on it, and no further action have been made my balance left is a {$170.00}. He threaten me with a deceptive practice which I am not for sure how this can turn out what he may do with my account or have on my credit. I have made multiple payments and requested receipts to be mail due to me working temporary positions their office be close when I get off no receipt of proof showing my payments been entering. How do I know if the amount have not been adjusted without record of balance.

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 01-02-2016 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of 2014, the Consumer Finance Protection Bureau implemented rules for mortgage servicers that state that : " Periodic payments must be promptly credited as of the day of receipt. A periodic payment consists of the amount necessary to cover principal, interest, and escrow. '' My monthly mortgage payment according to my contract is {$610.00}. On XXXX XXXX, through XXXX I sent a payment of {$800.00} that was accepted by Dovenmuehle but never posted to my account. On XXXX XXXX, through XXXX I sent a payment of {$700.00} that was accepted by Dovenmuehle but never posted to my account. On XXXX XXXX, through XXXX I sent a payment of {$710.00} that was accepted by Dovenmuehle but never posted to my account. So for three months I made payments that were more than my required periodic payment amount but Dovenmuehle intentionally did not post them to my account in accordance with CFPB policy. 

Also, in the XXXX 2014 rules posted by the CFPB, it states : " You can not make the first notice or filing for any judicial or non-judicial foreclosure process until the consumer is more than 120 days delinquent. '' If Dovenmuehle had properly complied with the CFPB rules and credited my account, they would find that I am not, nor have I ever been 120 days delinquent. As a matter of fact, at the time I made my XXXX XXXX payment of {$710.00} that placed me roughly {$200.00} behind in payments plus some late fees. Not even a full periodic payment as stated in my contract. 

I have continued to reach out to XXXX and their representatives, advising them of their violations of CFPB rules but they insist on moving forward with foreclosure without properly posting my payments to my account and despite me not being 120 days delinquent.

Company response to consumer: Closed with explanation