milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-05-2015 about Bank account or service (Savings account) with DISCOVER BANK (TX).
Issue: Deposits and withdrawals

Complaint: Discover Bank sent me an offer stating that if I opened up a savings account with them, depositing at least {$10000.00} by XXXX XXXX 2015, they would issue me a {$100.00} promotional credit within 4 weeks of opening the account. I opened the account, placed the promo code in the field, saw where it said I would receive {$100.00} and proceeded to deposit {$15000.00} into a savings account transferred directly from an external credit union. After 4 weeks, they only issued me a {$50.00} credit. I complained to Discover Bank but was told they needed 6-8 weeks to " investigate '' the issue. This seems like a well thought out scam - the bank gets my money and can loan it out or invest it at a higher rate than I am receiving, and they delay on giving me the full promotion to which I am entitled thereby making even more profit off of the offer they seem unwilling to honor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: NAVIENT placed me on a payment program XXXX for my private loans. I was told my welcome letter and details will be sent via mail in three months. It 's been nine months and no welcome letter. I called customer service and was told information I never agreed to and they do n't have to send me information since it was a " verbal agreement '' over the phone. I have made payments as requested by NAVIENT and my loan amount is getting higher??? My online statement on NAVIENTS website states my monthly payement is {$330.00} and NAVIENT is withdrawing {$510.00} from my bank account each month. I tried to call customer service to get clarification. Instead I get yelled at. I am truly worried and concerned about what this company is doing. What NAVIENT is doing can not be LEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX   XXXX  had inputted an inquiry on my credit report without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I called Bank of America to make my monthly mortgage payment, and when they processed the request they submitted a double payment to my bank account, overdrawing my account. The payment they were supposed to pull was {$750.00} and they pulled {$1500.00}. When I contacted them, I was told that I had to submit a bank statement showing the incorrect payment amount and then it could take up to XXXX hours to receive credit back. When asked why the wrong amount was taken they told me they only show the amount of {$750.00}. when asked what happens to the remaining {$750.00} they could not answer me. Their system would not let them see their error.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Experian data breach exposed my drivers license, social security number, date of birth, and other private information. Then they charged me {$10.00} to freeze my credit report. They provide free credit monitoring but only if you sign away your legal rights later on.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Credit line increase/decrease

Complaint: I have three credit cards which are very rarely used. The card in question is a XXXX Bank of America card. It has a {$1000.00} limit. I have never been late with this and usually pay ahead of time AND in full. I recently paid off over {$80000.00} on my kids loan. Our family income is over {$100000.00}. According to the XXXX credit report, everything shows OK ... yet Bank of America refuses to increase my limit ( I requested a {$5000.00} limit ). The reason for this ... we go on cruises. If I use this credit card ( which I always have the money to back it up and pay when due ) I get reward points toward future cruises. I believe that Bank of America ... where we do our banking AND my wife has her XXXX pay check direct deposited ... is discriminating against us for some reason. There is no logical reason to deny an increase to AT LEAST {$5000.00}. I tried to file a dispute on line on the XXXX site but it would not work. Your help appreciated. 

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 05/17/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX a fradualant company called XXXX XXXX XXXX manged BY XXXX XXXX claims to have rights to a heloc loan Residential capital that went bankrupt in XX/XX/XXXX, residential capital servicing rights were bought buy Ocwen filed a false notice of default, his investor XXXX claims to have bought the property at a trustee sale, and XXXX XXXX assigns the property to XXXX BEFORE THE SALE, this was a XXXX lien and we were current with first lien and was in the property for XXXX years, when we landed in a unlawful detainer court stating we are now tenants and XXXX is our landlord he never shows up in court and the court violated our rights of due process because the judge went against his bench guide XXXX because this was about title and not about rents and they should of never been able to take our house under false pretenses and criminal intent. XXXX has never paid off my first lien they just rented my house out for a year and now it is just sitting empty. On XXXX XXXX XXXX ASSIGNED THE GRANT DEED TO XXXX XXXX another fraudulent company of XXXX XXXX stating there exempt for any transfer fees? The house XXXX XXXX XXXX XXXX ca XXXX was upside for years but once it got back up this vulchers came out of the wood work getting the new secretary of stale XXXX in place all in XX/XX/XXXX and all our each others agents/ mangers all from XXXX XXXX XXXX fraud scam they have no proof of this debt because I ask for validation of claims and they could n't produce any, also they have a fraudulent trustee in place XXXX XXXX XXXX has no rights as a false trustee to give our house away and claim XXXX in debt charge off claim. XXXX IS A CRIMINAL HE ALSO GOES UNDER XXXX AND XXXX, SO HE WONT HAVE A XXXX XXXX, also XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX ARE ALL PART OF THIS SCAM THERE INVESTORS FOR THE MORTGAGE RIMICS, AND SEVICING POOLS, SCAMMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Credit card protection / Debt protection

Complaint: I spoke with them few months back, after my mother had became very sick. Explained that with her health problems, I need to reduce or delay my payments. They subjected the hardship program, said it would defer my payment for 12 months. I accepted and everything was fine for few months, then started getting treating calls & letters. I expected that since the offered me the program they should at least live up to there terms that they agreeded to. Wish I had never had anything to do with these people!! Do n't keep there word or agreements!!

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Creditor reported deragatory history on a debt that was discharged in CHXXXX bankruptcy 6 months after debt was discharged. CRA 's will not remove negative history they only updated it to show Bk. Any debt collection AFTER CHXXXX Bankruptcy and or negative collection comments must be removed. These actions are in direct Violation of the Automatic Stay per US Bankruptcy code.

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 11-08-2017 about Debt collection (I do not know) with Financial Credit Service, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a call from XXXX of Assett Associates and in an aggressive manner she stated I owed a debt for someone I co-signed for. I have not co-signed a loan with anyone other than my husband in well over 10 years. I tried to ask for something in writing but she would not answer any of my questions. She did state the debt was to XXXX XXXX for over XXXX. The phone number on my caller ID was XXXX and I received another call shortly after from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of American delayed approval of my shortsale request for 18 months in violation of numerous regulations. I had a patient buyer who worked with me to constantly resubmit contract extensions as we awaited approval. While it was pending the last step, I called Bank of America on a daily basis for almost 1 month and never got a returned call -- and then just learned that they transferred the mortgage to XXXX and closed it this month without providing adequate notice and in violation of regulations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Debt collection (Payday loan) with Cooper Hoffman Klein Associates (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I 'm receiving multiple calls from an Debt collector claiming to be from Cooper, Hoffman, and Kline - XXXX XXXX. They have called me several times at my job with numerous threats to prosecute me due to fraud. When I called them back to verify their company name, address, etc. they were extremely rude and short. They are calling my cell phone, employer, and family members. Although I 've included this extension, they are calling me from multiple extension and different phone numbers

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Mortgage (VA mortgage) with LoanCare, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted the LoanCare customer service today regarding my Escrow refund because my account has been updated to reflect the correct information. However, I have yet to receive the Escrow refund as of today 's date, XX/XX/2017 The customer service representative told me that it was mailed to my address on XX/XX/2017 and they could not send another check until the previous one has been in circulation for 30 days. I asked her for the tracking number and she indicated that there was none. I told her that this could not be since the check was of a large amount. I requested to have someone from the Escrow Department to contact me and the customer service representative told me that they did not take phone calls. This is is not good business or customer service in my opinion. Although my account is showing that it is updated I have yet to receive my Escrow refund. This is still fraudulent business. I am asking for an immediate refund of my Escrow overage. This is the first time I have ever experienced this kind of treatment from a mortgage company and I have had XXXX homes in my lifetime.

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 03-02-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: We deposit annually a clients check in the amount of {$63000.00} into Bank of America. We always get bank acknowledgement from either teller or branch manager to not hold this check. XX/XX/XXXX we deposited it again and got verbal and written acknowledgment that BOA wont hold it. This money is designated to XXXX XXXX as premium fund account. In XX/XX/XXXX BOA mailed a letter to notify it was held and not paid so it cause our account to be deficient and fees ( {$70.00} ) were charged.

I talked to branch manager without any resolution. We have been banking with that branch of BOA for over 32 years.

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 10-02-2015 about Debt collection (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This collection agency keeps harassing me about an account that was a predatory loan. I will literally be paying this debt until I am dead. I asked them to verify the debt and requested the original debt amount and contract with my signatures, because the amount they are trying to collect is not the original loan amount. It has been over 45 days and they have not sent me proper validation. No bill, no statement, no contract.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have asked time and again for XXXX loan forgiveness, only to be denied because my loans are too old or in default. I have been a XXXX for 19 years, and would never change that choice. I have given my life to XXXX our country 's XXXX. Sadly, I have accrued almost {$140000.00} in student loan debt, and will die owing those loans as I can get no help. I was given no counsel when I took out the loans, and besides that, I was very young. The income based repayment plan expects me to pay close to $ XXXX. I can not afford that. The company takes into no account the other bills I have, nor the fact that I do indeed need money to live on as well. I can not get help because I make too much, based on the scale, however, I can not afford the payments either. I need help! The Income based repayment plan is unrealistic and I continue to be denied XXXX loan forgiveness. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: This is a follow up to complaint #  XXXX . I appreciate the companies response and I would like to clarify that the issues described in my complaint were an aggregate of my dealings with all the servicers of my loans and the inability to get any concrete numbers or history of payments from ANY of them, not solely directed at GC Services.     I understand that they do not set the rates or fees as stated but as the loan servicer, certainly they know the amounts. Assuming that the loan file transfers with the servicer, they should have no problem in providing me a complete account aging going back to   XXXX   when the garnishments began.     They responded that they would be sending me the account history I asked for on  XX/XX/XXXX . To date (  XX/XX/XXXX  ) I have received nothing.     Still waiting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Application, originator, mortgage broker

Complaint: At the end of XX/XX/2015, I reached out to the holder of my current Mortgage, Bank of America, to explore refinancing. I spoke with a mortgage specialist and spent an hour giving detailed financial information. I then XXXX with that individual with more of my financial information via email after she sent her email link to me. I then never heard back. I tried outreaching about XXXX times and never heard a thing. I feel so uncomfortable having revealed every detail of my finances to this stranger, who then never XXXX with me in any way. I then reached out to a different lender to refinance and am about the close an a refinanced mortgage. I feel this should never happen to a consumer. Forget the wasted time..that 's nothing to the feeling of having shared my financial information and having it sitting " who knows where? '' Also, whenever we go directly to Bank of America to pay our mortgage in person, they always ask if they can discuss refinancing. It 's unacceptable for such a large bank to be so sloppy with it 's customers. To date, I do not have any sense of where my mortgage application went and in where all of my financial information sits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I co-signed a loan with my grandson for a college loan through XXXX XXXX. The original amount was XXXX. No payment was made on the loan until XXXX XXXX. XXXX when a cashier 's check for XXXX was sent to XXXX XXXX as payment in full. It was signed for in their mailroom and was deposited on XXXX XXXX. The deposit stamp on the back said " deposit to XXXX XXXX XXXX, XXXX XXXX, Account # XXXX. A copy of that check was sent to XXXX XXXX by XXXX on XXXX XXXX, XXXX and signed for by XXXX XXXX at XXXX XXXX Mail room. When I talked to XXXX XXXX about this their answer was " that 's not our account number ''. It 's stamped XXXX XXXX XXXX so??????????????????

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Loan has transferred from XXXX to Ditech. When loan transferred it stated I had an escrow account for insurance which was false. Never had one. I have contacted Ditech on numerous occasions to correct the issue without success. Ditech continues to try and impose an impound account that did not exist or needs to exist. They admit to having proof of insurance. I am now receiving collection calls and letters. I have paid my principle and interest timely but not not the escrow amount as it is not owed. To complicate matters I was advised from a Ditech Rep they have not even applied my last payment as of XXXX when the check cleared my bank on XXXX. So where did my $ $ go? I am concerned that a report will automatically go to the credit bureau because of an issue they have refused to address and correct. I find I am in need of some assistance to resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: They tell me my loan will be forgiven after  ten y ears and then you talk to another representative and they say  twenty  years. It started out with  eight  years. I 'm so confused. My loan is increasing instead of decreasing, even though I have auto pay. It went from  XXXX  dollars to  XXXX  dollars in  one  year! I wish I had never went into forbearance like they suggested in  XX/XX/XXXX . I have record of paying sinc e  XX/XX/XXXX , i t 's on my loan site, I followed their advice and it only made paying back the loan worse. Still to this day, one person says one thing ( in the same company ) and another representative says another. I think they are trained to do that. I just want to pay my loan off. I was even told one year ago in  XX/XX/XXXX , by someone  XXXX  at   XXXX   XXXX   on  XX/XX/XXXX , that I only had 100 more payments to go, because I had already made  twenty  payments and now I 'm just getting the run around. Not sure what is going on. Something about paying  XXXX  dollars in order to do something, not sure. Bottom line, I should never went into forbearance or try to get help with this forgiveness program. I would have walked to work if I had known all this was going to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (MD).
Issue: Taking out the loan or lease

Complaint: Subject : Request for assistance During the XX/XX/XXXX XX/XX/XXXX time frame of 2008, I purchased a new Mazda CX-9. I financed it with Chase Auto. Thus far, I have paid Chase Auto more than {$27000.00} in interest on the loan. The Chase Auto loan was suppose to be for five years ( 60 ) months. Albeit, Chase Auto changed the loan to seventy two months and has now has now informed me that the loan which Chase Auto extended to me that was used to finance my vehicle is now paid in full. Albeit, I still owe Chase Auto more than {$4300.00} in late payment fees. Chase Auto is now charging me an additional financial fee of {$1.00} each day to finance the {$4300.00} that Chase has added as additional late fees. Is this legal? Please help. For your convenience, I have listed my contact data below. 
Email : XXXXXXXXXXXX Residence : ( XXXX ) XXXX Cell : ( XXXX Thanks and out here XXXX XXXX XXXX

Company response to consumer: Closed with explanation