milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: I have several accounts at Bank of America ( BOA ). It appears that BOA charges an overdraft fee based on pending ( not yet posted ) clearing items included in the available balance. In addition, it also appears that, for those accounts that have automatic transfer from savings accounts to cover potential overdrafts, make transfers based on pending items ( not yet posted ) and charge a transfer fee at that time. If deposits are made during the pending period, fees are not reversed prior to posting even for positive balances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I have requested on XXXX occasions a " life of loan payment history " from Ocwen loan servicing on XXXX loans they service. They took over servicing from bankrupt GMAC/XXXX bank in XXXX. These XXXX loans are adjustable rate mortgages and I question the principle balances reflected on my statements. These loans originated in XXXX and XXXX. To date they are unable or unwilling to supply me with the " life of loan payment history '' every borrower is entitled to upon request. Please help resolve this problem with Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX   XXXX  We started the short sale process with Bank of America on XX/XX/XXXX. We faxed in our authorization multiple times over the past 30 days, requesting a payoff demand. BAC is refusing to provide a Payoff Demand. 

Today they are claiming that the loan has been charged off. In turn I asked that we receive either a payoff demand showing the balance due, if any ; OR a Reconveyence of the 2nd XXXX. I was told by Customer Service that the short sale department handles these requests. The short sale dept told me that the chargeoff dept handles these requests for charged-off loans. I then spoke to the charge-off dept who told me that only the short sale dept can help me. I spoke again to the short sale department and they sent me back to the chargeoff dept. 


In every conversation I was directed to a different department, who then told me that dont actually have the ability to process my request for the payoff demand on this loan. 


At this point Bank of America has acknowledged my authorization as an agent for RE XXXX XXXX. They have also told us in writing that the loan is charged off. THEREFORE -- -- -- -- Bank of America has TWO options EITHER provide a payoff demand to me as the authorized third party -- - OR Reconvey the lien off the property. But THESE DELAY TACTICS AND GAMES HAVE TO STOP. It is obvious Bank of America is completely incompetent in dealing with these types of loans AND THIS IS PURPOSEFUL FRAUD ON THEIR PART. 



*******BANK OF AMERICA SEEMS TO HAVE NO IDEA WHERE THEIR 2ND MORTGAGES ARE THAT HAVE BEEN CHARGED OFF ********** NO ONE CAN HELP ME GET A PAYOFF DEMAND ********** THIS IS THE 2ND FILE WITHIN THE PAST 3 WEEKS THAT WE HAVE HAD THIS ISSUE ********** OBVIOUSLY THIS IS A MAJOR PROBLEM WITH BANK OF AMERICAS RECORD-KEEPING. 


****************************PLEASE SEE CFPB COMPLAINT # FILED ON XX/XX/XXXX -- CASE # 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 non-monetary relief
Consumer complaint received 04-03-2017 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (LA).
Issue: Unauthorized transactions/trans. issues

Complaint: I have several unauthorized transactions on my account totalling almost XXXX ... .i called to get this money put back on my account ( my cards obviously been compromised so they are sending a new card ) but they told me they could not put the miney back on my account and I would have to wait until the investigatiin was over well i dont have that type of time to wait for MY money, they obviously can tell it is fraud ( XXXX transactions ) so my money should be put back in my account immediately. Customer service sucks and they need to fix the problem!

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Problems caused by my funds being low

Complaint: Usurious manipulation perfectly describes what chase bank is doing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (CO).
Issue: Taking out the loan or lease

Complaint: On XX/XX/2015, My XXXX child and I purchased a used 2013 Mazda S from XXXX, Colorado XXXX. XXXX had us sign a contract with Chase Bank to finance the vehicle. The contract contained alleged fraudulent entries for options the car already had. I disputed the items and XXXX agreed to issue a new contract. However, the new contract had a different purchase price and initial payment due date than the contract XXXX submitted to Chase Bank. I place a stop payment on the down payment check and contacted Chase immediately. Chase Bank refused to accept Colorado and Federal law regarding the consumer right to know the exact purchase price of a vehicle and the initial payment due date. We tried to work with Chase to remedy the situation, to no avail. I reported the issue to the criminal investigator of the Auto Industry Division of the Colorado Department of Revenue.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I had a Medical Bill on my Credit report that should have been paid by my insurance. I disputed it with all three credit bureaus and XXXX and XXXX took care of it right away through a free service. Experian forced me to pay for their service to get access to the info and then after a long period of dispute refused to remove it from my credit. This is frightening to know that I can be held hostage by a company like this. Side note Experian offers a 1 week free service and conveniently waited till the day after I had to pay to give me my results. End of the day I need to get this of my credit as my bank uses Experian.

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 01-11-2016 about Credit reporting () with CORELOGIC INC (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XX/XX/XXXX we tried to refinance our house. First time through XXXX XXXX. 
It went well until they sent us a higher interest rate than we already had due to having a manufactured home. We decided to go to a specialized company locally XXXX. 
We completed application and then found out XXXX was reporting fraudulent late 's. This was not an issue as I had proof they were lying, the problem came about when we looked at the credit report and XXXX Flagged me on a XXXX alert, without using the proper protocol. They flagged me based on some of my name and not the entirety. Never looked further than name. If you are familiar with XXXX, they should also look at birth date, mine XX/XX/XXXX, the person they matched me with was born in XX/XX/XXXX. Adresses where I lived. Never been near XXXX, the worse is I have been through nothing but XXXX since, still needing to refinance because XXXX is XXXX, they will never change and have caused so many health issues including a XXXX. I decided to write to XXXX and send it certified, along with my XXXX XXXX certificate, Ca Drivers License, ss card. I waited until XX/XX/XXXX and decided to get XXXX XXXX involved. After almost 11 months I have been exonerated from their Sanctioned list. The credit company that took did the reports were # XXXX XXXX XXXX, after sending them all documents mentioned above they removed it from my report. copies included. The company I am having problems with is Credco Corelogic, I sent them a complete package, they sent me back 2 letters, both requesting I call them. I have talked to them 2 times with no avail. they have refused to remove this fraudulent data off my report. If XXXX has exonerated me and I have and sent them documents certified, according to the FCRA they must remove this from my report. I refuse to insert a letter in my credit report explaining that they did not follow proper protocol. XXXX and then need to remove the fraud off my report, without destroying my credit score just like XXXX XXXX did. I have even been back to the XXXX company made copies for them and they refuse to help us. We need this completed, I have now been waiting 14 months to get rid of XXXX, I need them gone before they cause me another XXXX. I and my wife are permanently XXXX. I filed XXXX reports against them and nothing was ever done about them. I also plan to file a FTC this evening. If I get no results I will go back to XXXX, the one that got the XXXX removed. There is also a fraud credit pull on Credco report from XXXX XXXX, they have submitted a letter of removal and they also refuse to remove that. I have submitted all documents with this letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: XXXX I deposited XXXX checks via mobile banking from the same person - {$250.00} and {$1300.00} ( rent ). 
On XXXX, there was a reversal on the {$1300.00} deposit - which I was not aware of. Therewas no notice via mail/email/text - NOTHING. 
On XXXX, I found out about the reversal only by chance to review my account. 
I called, no one can figure out what happened. Only after I called, the bank sent a letter. 
On XXXX, received the letter. stating that the check was refused due to " duplicate presentment ''. I immediately confronted the person writing the check, she showed meon her mobile banking that the check cleared and check copy was identical to whatI have on hand and no money was being deposited back into her account. 
I communicated this to Bank of America and they kept insisting that they did not get paid, therefore they are not putting the fund back into my account. They told me to get theother institution to provide backup showing proof that they paid Bank of America. 
On XXXX, I received a backup ( attached ) and faxed it over to Bank of America. 
The other institution ( XXXX XXXX XXXX ) stated that they paid Bank of America andthe backup provide a trace number that Bank of America would be able to track. 

I had been calling every few days since XXXX, but nothing came out of this other than, '' get the other institution to prove to us that they paid us. " I could not get anyone at Bank of America to go beyond the phone call and actuallydo a research and give me an update. 
In the meantime, I do n't have the {$1300.00} in my bank and the other person is already out {$1300.00} out of her bank. Someone has this money and not fessing up. 
This money is for rent and being a homeowner having to pay for mortgage with norent in the bank is very tight. 
Bank of America did return the {$12.00} return fee, but it does not compensate for the time I had to spend calling ( numerous calls ) and the other person having to take days off workto take care of this at her local branch. 
Today is XXXX and nothing is resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (Payday loan) with High Point Asset Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting calls and voicemails from ( XXXX ) XXXX on my cell phone and land line about collecting a debt on payday loans that I have never taken out. The voicemail say that I am a " person of interest '' in a time sensitive legal matter, which in other words is saying that you are being investigated by law enforcement. The company claims to be Highpoint Asset.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received a letter from collection company regarding a debt- National Credit Systems , Inc. stating a {$1900.00} debt was due. Sent certified letter asking for documents to validate debt. Instead of receiving information relating to the charges I received a letter in retaliation stating that they reported me to the credit bureaus for failure to make suitable arrangements and that they recommending the client proceed with additional collection remedies, garnishment of wages, Liens placed on property including, autos, real estate or other real property, seizure & auction of personal property, as well as other adverse action listed on the letter. To date I still have not received any bill or statement for these charges as requested via certified mail and received by National Credit Systems , Inc in a timely matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I bought another  XXXX  in  XXXX  anticipating the  XXXX   (   XXXX  fraud ) buyback announced for  XXXX   2017 , but delayed till  XXXX  17. I called  XXXX  and informed them of my inability to continue  XXXX  car payments and no problems were mentioned then. I sold the car back to  XXXX  in  XXXX   XXXX ,  2017 .

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 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Just made a payment of {$350.00} to  XXXX  card the other day.     The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section 623.

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 12-07-2016 about Mortgage (VA mortgage) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Credit decision / Underwriting

Complaint: I applied for a mortgage loan through Navy Federal Credit Union. I received a preapproval, based on my current gross take home pay. I was then informed to find a home and place a contract. And that once the home was under contract I would then receive finally approval. I am self employed which I informed the bank up front, they requested my XXXX and XXXX for the past 2 yrs, which I sent over. I found a home in XXXX XXXX, 2016 and place a contract on the home. I spoke with the loan officer in XXXX to ensure that all of the documents that were needed to qualify they had. She ensured me of such. After I went under contract, paid for home appraisal, inspection, title search and survey. The bank had all the information need prior to requesting my tax returns to issue a letter of denial. They had my Federal Tax transcripts which are the exact same thing as my tax returns. They never requested my tax returns from me until that 8 days before closing. Federal tax transcripts are the exact same thing as my taxes. They are no different. At the time of them reviewing my tax transcripts, they should have issued me a loan denial. This was negligence on the banks behave. Three days prior to closing the bank sent me a denial letter! After myself and my Broker requested for the last 2 weeks prior to closing for them to respond with either a letter of commitment or denial, they waited until 3 days before closing to deny. They had received my tax transcripts and based on that alone they should have issued a letter to deny. But they did not! They continued to request further information, that had no bearing to change the fact that what was the income on my transcripts matched the income on my tax returns. As they are XXXX in the same! They knew XXXX2 weeks prior that they could not approve the loan and that is the time they should have sent out the denial letter. By the bank delaying their response placed me in breach of my contract in the purchase of the home, in the state of FL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Credit card () with PAYPAL HOLDINGS INC. (NY).
Issue: Unsolicited issuance of credit card

Complaint: PayPal opened up a line of credit for me without my knowledge or consent. PayPal created a hard inquiry on my XXXX credit report without my knowledge or consent, causing my credit score to decrease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2015 about Mortgage (Home equity loan or line of credit) with Altisource Portfolio Solutions, S.à r.l. (DC).
Issue: Credit decision / Underwriting

Complaint: THIS COMPANY SINCE SUSPICIOUS TO ASSIST ME. THEY FEEL THEY ARE IN A XXXX LIEN POSITION WHEN THEY ARE IN A XXXX LIEN POSITION. THEY REJECTED MY $XXXX OFFER AND COUNTERED WITH $XXXX BECAUSE THEY STATED THE HOME HAS EQUITY, NOR DID THEY CONSIDER THE FINANCIAL HARDSHIP. THEY ALSO REFUSED TO PROVIDE THERE OFFER IN WRITING.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX I requested Transunion to correct inaccurate information on my credit report. To correct my date of birth DOB. 

Transunion reports it as XXXX and I submitted a request letter with Naturalization certificate ( copy ) XXXX XXXX and XXXX with same DOB. 

In XXXX 2015 I called to TU to find out if they updated my DOB. They did not. 

The woman on TU end asked me to resubmit this request all over again. 
And attach etiher XXXX copy of DC DL. 

On XXXX I resubmitted my request with XXXX mail. 

I attached request letter, and copy of DC DL with birthdate XXXX. 

To Date I did not receive confirmation from Transuion about it. I called to TU last week and asked if TU pdated my DOB? The TU said that they did not update it because they need another letter from me with another copy of DCDL. 

It became endless and I ask for your intervention please to help me with update of my correct date of birth. 

If Transunion is not in business to do credit monitoring, maybe they should sell apples and oranges on the street? 

Please 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 non-monetary relief
Consumer complaint received 12/28/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Sorry, your drop downs are not exactly on point. I have a Visa card through Best Buy that is services by XXXX. I  elected electronic statements. These statements do not work with XXXX. Ive notified customer service. They just repeat instructions to me. I am trying to verify that I received a deferred interest charge and I am unable to get this question answered as well. 

They are in conflict with requirements to make the terms of my purchase clear and conspicuous.

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 03/28/2017 about Bank account or service (Checking account) with NEW YORK COMMUNITY BANK (FL).
Issue: Deposits and withdrawals

Complaint: I made a mobile check depost on XX/XX/2017 at approx. XXXX in the amount of {$150.00}. The following day I received an email from my bank that stated " The funds will be held for an extended amount of time because you did not write NYCB Mobil Depost below the signature line. '' Unfortunately, I made a mistake and wrote on the back of the check " NYCB App Deposit '' instead of what the bank required. The email did NOT state a specific day that the funds would be available and the funds are not currently available as of now XX/XX/2017 @ XXXX. Tomorrow will be the 6th day that the check has been deposit and has not been cleared for me to receive my money. I have never deposited a check into this bank at any time and not been given at least {$100.00} dollars in approximately 2 days. I feel like this bank is holding my money for a ransom and it is not right and not good business. 

My checking account number is XXXX and the money was deposited into New York Community bank.

Company response to consumer: Closed with explanation