milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello. Around XXXX XXXX or so of this year I submitted a complaint about poor mortgage loan servicing for a modification from BOA. They have since responded to the CFPB 's requests, but now there are new issues with them. In calling me in response to your requests they affirmed me I can re-apply for the modification. I asked specifically, once again, " do I meet the baseline requirements to even apply '', she said yes. I then received a callback from XXXX XXXX, my new account manager on XXXX/XXXX/16 at XXXX, after giving her a quick synopsis ( the documentation I sent you from the original complaint ). I asked AGAIN, the third time " Do I qualify for assistance based on meeting certain prerequisits '', and she said yes I do. 
After doing a little research online I did find there is a 24 month waiting period between modification applications. I reached out to BOA on XXXX/XXXX/16 XXXX. I spoke to another acct. mgr. XXXX and asked if what I am reading is correct. She told me, within 5 mins, that I would not be eligible for mod before 24 months. She then advised me to wait to submit the application till XX/XX/XXXX. 
So CLEARLY, once again I am being set up to fail, had I not made this call to the bank I would have submitted my paperwork too early and denied, putting my situation even further out of affordability of a Chapter XXXX repayment. 
So far I have gone through XXXX different account managers in just a few short weeks. 
XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 " XXXX '' XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 I did not write her name down, will show in notes at BOA i 'm sure. 
XXXX/XXXX/16 Back to XXXX. 
This continues to be a ridiculous circus with the bank all before I even send the application out! Each acct. mgr. with different information of the base requirements. I am at the point I may need to find legal counsel which I really ca n't afford, so I am really hoping you can followup with them and find out what their excuse is this time. 
Thank you, XXXX XXXX XXXX

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 07-09-2015 about Student loan (Non-federal student loan) with ACS Education Services (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I try to submit a payment online to acs ( https : //www.acs-education.com/CS/Jsp/general/home.jsp ) and the website constantly fails. There is no one to speak to, and I can not email someone my complaint about their website. When I try to contact the original servicer of the loan XXXX they inform me they can not help. Meanwhile, I might get assessed late fees because I can not make a payment.

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. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XXXX/XXXX/XXXX, somebody went to XXXX a made a purchase of {$170000.00} under my account. I was at home when I notified that somebody was probably using my account and I was very surprised because I had my debit card with me on this day, so I ran to the bank to explain that to them and I placed a claim for that. They asked me some questions that I answered and we called the claim department of Bank of America to confirm the claim. After that they have changed my debit card and everything and the next day I received a temporary credit of {$170000.00} on my account and they said they will continue the verification. Today, the XXXX/XXXX/XXXX I get home and I was verifying my account because I was supposed to receive money from my friend I saw that the bank took the money back from my account and they put my account at - {$170000.00} but my friend didnt know that so when he sent me the {$200.00} they took it as usual so my account is now at - {$150000.00}. I was chocked so I called the claim department again and they said the claim has been denied by the bank and I have to call XXXX and XXXX has to give me the money back. The problem is that I didnt know all this time that I had to call XXXX to give me the money back because the bank said to me that they will do their research and let me know about the final decision which has not been received. The conclusion is that my money is not in security in this bank and secondly they are not even capable to give me the money back and investigate on it. I have to do it by myself. Thats a shame

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 09/18/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Closing/Cancelling account

Complaint: I have filed a lawsuit against Bank of America XXXX BofA XXXX for billing disputes. I won a judgment in small claims court XX/XX/XXXX against BofA. BofA appealed the judgment and I am currently in the Court XXXX in PA for this matter. My credit card expired XX/XX/XXXX. I did not receive my new credit card from BofA. When I contacted BofA XX/XX/XXXX to inquire of my new card, I was advised that my address on file was not correct and the card was previously returned to BofA and that BofA would expedite sending to me a new card. In 2 weeks I had not received the new card. At that time I was advised that my account had been closed. My account was not delinquent. I believe that BofA closed my credit card account in retaliation to my legal claim against BofA for unfair billing practices. The credit card is an affinity card for my XXXX School XXXX XXXX. The card also has a 6.99 % interest rate which is very economically beneficial for me. I would like to have my card reopened by BofA as they had no reason to close my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WI).
Issue: Credit decision / Underwriting

Complaint: I sold my house on XXXX/XXXX/XXXX I was to receive my overage of my escrow of about {$2700.00}. My mortgage company was Ditech Financial LLC. XXXX XXXX, XXXX XXXX, SD XXXX, XXXX, fax # XXXX. I have been contacting them for months trying to get them to release my money. Each time I call I 'm told that I should receive my check within the next 10 days. After the 10 days no check ... .. Last week I believe on XXXX XXXX or so I called again.This time they asked a manager to help. The manager asked for my routing # and account # that they would wire me the money by the end-of-the-day. NO MONEY AGAIN. I then called them the next morning asking why they did not wire my money. I was told to leave a message for the manager. At that time I stated that if I did not receive my money by the end of business that day I would be filing a complaint. As of today I still do n't have my money ... ... 

I have given this company my up dated address a few times and my checking account information.I sold this house XXXX/XXXX/XXXX and today is XXXX XXXX, XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2016 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Chase Bank has been falsely reporting information on my credit report. I have disputed the information with the credit bureaus and they continue to verify the many inaccuracies on my profile. 

I went through my records and found a monthly statement and it shows how Chase has provided fraudulent documents on my statements. The amounts of debt it stated I owed and other account details were inaccurate. The complete pay history is inaccurately reporting. 

How can they report inaccurate information with any care to how it may affect my credit. The terms balances etc all vary from the documents they have on file

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: a woman out of XXXX, Texas broke into the drop box of what was XXXX XXXX XXXX which has gone bankrupt and sold the property. mine of XXXX other apartments rent and utility money orders were stolen from the drop box. apartment was notified by police this was happening in the area and did n't take precaution to prevent this from happening. after that a month later I moved out. the money that was stolen from the apartment has been in collections going on 5 years. ProCollect out of XXXX, TX is the collector ph # XXXX.i explained to them that I paid my bills but the money was stolen from there drop box. which is n't my responsibility to pay again due to their failure and notification from police this was going on before it happened. They asked for proof of the robbery of the building and I went down to the police station and got copies of the report that my money that I put in there drop box was stolen out of there office and sent a letter from the chief of XXXX, Tx, Police Department saying and proving that my money was stolen. He also lived there during the occurrence. The collector keeps calling and saying I owe money that I paid 5 years ago and I owe the stolen money the apartment failed to secure. me and my fianc have both asked for proof of debt and for the original debtors information which is the owners of XXXX XXXX XXXX which they will not give. ProCollect told us to google the information on a bankrupt business denying us the ability to contact the original debtor to dispute the false debt. I have contacted a lawyer and I will be writing a cease and desist letter sending the police report and letter from XXXX again a to PRoCollect and also sending it to all XXXX credit bureau 's to continue to dispute. after that if it is not removed from our credit report I will have no other choice but to file a lawsuit.

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 01/13/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Tried to contact attorney on file, I even thought at XXXX point that maybe my sister opened this account illegally on me and I offered to pay however they never returned my correspondence. I just keep getting pre recorded messages that I need to contact them about an urgent legal matter with no option to push to speak to someone. Then I got notice to go to small claims court from another company but with the same credit card but it was the week after the holidays so I was n't able to make it to let the judge know this was n't mine so a judgment was made. Now I am being told I must pay over {$900.00} plus daily interest and appear in court next month or face a warrant. On the court documents there is no account info, no identification information other than a name and address and when I apply for credit I always use my middle initial unless it 's a store card because you are there and they use your photo identification for that.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (LA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: re : bait and switch I purchased a  XXXX   XXXX  phone in  XXXX   XXXX . This purchase was based on the  XXXX  sales literature stating 0 % interest with 24 months to pay :   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX  A credit card account was assigned to me with Synchrony Bank. On  XXXX / XXXX / XXXX , I requested the following from Synchrony via their online email : " I received documentation for this new account today via mail. The documentation does not indicate the terms from the  XXXX   XXXX  which I understand to be two years interest free on my opening balance of $ $ $ $ ; payments monthly of approximately $ $ $  . I s this correct? '' Synchrony replied saying it would  take two billin g cycles to get an answer. I am still waiting for that answer!!     Instead of the  two year, 0 % deferred interest, my Synchrony acco unt was setup with a one year deferred interest period, expiring on   XX/XX/XXXX . Base d on this now 1-year period, I setup monthly automatic payments, collected by Synchrony, from my checking account so as to have the balance paid off within the one year deferred interest period. Payments are being paid on time.     As of my  XXXX  Synchrony statement, the deferred interest period expiry was sti ll  XX/XX/XXXX . As   of my recent  XXXX  statement, the deferred interest period is not even mentioned and the deferred interest of almost {$64.00} has been debited to the account. It now looks as if the deferred interest period was for 6-months. Is it that Synchrony saw that I was paying the balance down within the 1-year deferred interest period expir ing on  XX/XX/XXXX  and  decided to change it to 6-months to earn the interest ... a classic bait and switch??     I am fed up trying to get answers from Synchrony and  XXXX  also offers no help.

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 03/14/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: XX/XX/2015 I open a checking and a savings account at wellsfargo, location branch, XXXX ga, in XX/XX/XXXX a separate checking and savings was open in my name using my personal information by a representative of wellsfargo in XXXX ga branch, the original account numbers for the accounts I opened is these are the accounts I opened up XX/XX/2015 I personally opened .these accounts in XX/XX/XXXX was opened fraudulently by a rep in wellsfargo the rep even called me on the phone and told me he had opened these accounts we had argued I told him he illegally open theses accounts with out my consent or permission he used my personal information, this guy gave me a problem and the manager did not wanted to help I tried to report it, I was blowed off nobody wanted to help, I even tried calling on the phone transferred constantly to different departments and hung up on and treated badly by reps, I have been in branch several times to talk to the branch XXXX every time she was unvailable and ignored the fact that identity fraud had accured .i have been having problems with wellsfargo about this I have discussed the situation with law enforcement and a couple of attorneys, the damage has been done theses accounts were opened and my information used wellsfargo needs to settle this if I do n't get a response I will proceed to discuss with an attorney about this case, the situation has not been rectified, I am holding wellsfargo responsible for this action, I have talk with wellsfargo over the phone the only thing I 'm being told is that theses accounts would be removed from my profile and out of my name this still does not rectify what 's happen the moment the rep used my information the damage was done, have been getting nothing but hassle and nothing resolved like I 'm being brushed off and treated badly I 'm tired of it or I will also file with different consumer agencies and report this to a few news stations, I will file this situation with, CFPB, FTC, GOFCP, please resolve

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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My student loan is with Navient, although I pay monthly at an 8.25 % interest rate, the principal never comes down, I 've been out of college since 1999, have been steered to go into forbearance at one time and still owe the same amount as 18 years ago!

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (KS).
Issue: Managing the loan or lease

Complaint: My lease with Nissan ended XX/XX/2015. We turned in the vehicle as we were supposed to do. We were told that we would receive a statement within 6 weeks. We did not. My wife went online and paid the amount showing as owed for the disposition fee using their online payment system. A couple of weeks later, my wife noticed that the payment never went through. She tried to log back in but it said the account was closed. She then mailed the payment in to the address listed on their website. That was returned as undeliverable. At about the same time as the payment was returned, we received a letter from XXXX XXXX XXXX XXXX saying the account was placed with them for collection. I called Vital and was explained our attempts to pay, and was told to contact Nissan. I contacted Nissan ( NMAC ) and was told I had to have the payment in the next day or would appear on my credit. He said that he could not take a payment over the phone. I was told to log into my account and make the payment, which I did. The payment still shows as pending. The manager, XXXX, told me that it was due the day before, and that it may have been reported on my credit report. I explained everything that happened and that we had repeatedly tried to pay this off but due to NMAC 's problems the payment keeps being rejected. He said the payment should go through today or next Tuesday. I asked if it will appear on my credit report and he said it may, since it was due yesterday. I told him that if it does appear on my credit report, I will sue NMAC. He said that he would make a note of it in my record.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (OK).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Checking my credit, and I have n't applied to the company, it is a reoccurring problem each month

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 08-04-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Just thought you should know .when they gave me the trial payments. We couldnot do the payment plan because it was not affordable with one income. They say that they donot use my uneployment. When I lost my job i was loosing four XXXX a week.XXXX dollars a month with taxes taken out. When no overtime. When I filed the appeal they told me that they denied the appeal. I have nothing in writing from them stating why.They are still not helping us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (MO).
Issue: Credit decision / Underwriting

Complaint: In early XXXX, 2016, my husband and I met with a XXXX, a broker at a PNC bank branch to go over our finances and get advice as we wanted to apply for a loan to make some repairs to our home. We went over some options, discussed our credit with her, and she went over some different rates with us for a secured and unsecured loan. After doing that, she advised us that we would be in a better position if we cleared up our delinquent accounts on our credit history, and the best way to do that would be to take out a loan against my XXXX and then wait approximately 30 days for the credit to update and return to apply for the loan. I in turn took out that loan, paid off the debt, and we waited approximately 30 days before coming back to PNC to initiate the loan application. We applied for the HELOC on XXXX XXXX, 2016 with XXXX. We went over the approximate value of our home, how much equity we thought we had in it, and determined that we had more than enough to apply for a {$25000.00} loan. We spent the better part of the morning with her, provided all the documentation she asked for, but when we left the bank that morning, she did not provide us with anything other than her contact information. Federal law states that the bank is to provide us with a booklet providing information about using the equity in our home and also, within 72 hours, they are required to give us a disclosure noting the amount of the loan and the approximate costs involved in getting a home equity loan. We did not receive any phone calls from her. We did receive a generic email from the bank simply stating that the bank received our application and if they needed further information they would contact us. It was signed by no one. The second day, I got the same thing. After that, I called XXXX, who informed me that the loan was rejected but, without our knowledge, she was writing an " appeal '' and she would let us know what happened with that. This was extremely upsetting to both my husband and myself, who took her advice and took out a loan against my XXXX to clean up our credit to be in a better position with the bank, and the bank still denied our application. XXXX informed us that the bank denied the appeal. So now here we sit with no loan, and no way to make the improvements we need to our home.

Company response to consumer: Closed with explanation