milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I applied for a loan online with this company on XXXX/XXXX/XXXX. I was approved for a loan of {$1500.00}. I previously filed a complaint with the CFPB stating that the Truth in Lending disclosures were NOT visible until AFTER the loan had been processed and funds delivered to my account. This company denies this fact, which is a COMPLETE FABRICATION OF THE TRUTH ON THEIR PART. The loan in question is NOT LEGAL, this company, I have learned is NOT LICENSED to do business in my state of residence, making their contract UNENFORCEABLE and ILLEGAL. This company has received XXXX from me to date and still indicate that I owe them at minimum $ XXXX. Under California law, ALL consumer lenders MUST be licensed by the XXXX XXXX California XXXX XXXX XXXX, may lend no more that {$300.00}, and may not charge more than a 15 % interest rate. All of the laws in the state of California pertaining to this loan have been violated making the loan ILLEGAL and the LENDER unlicensed and their contract invalid. They have harrassed me by phone and email as well. This company is predatory and their business practices are NOT XXXX in the state of California.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have previously filed a complaint with your company. This is the reference number XXXX. My home equity account with Bank of America is XXXX. I missed your email notifying me of Bank of America 's response so I missed the opportunity to dispute its response. I did however begin working with XXXX XXXX, the person who sent the response and was assigned to be my case manager. I resubmitted all of the documentation to B of A, for at least the third time. In XXXX, he contacted me that underwriting was requesting information ( because I listed my wife as a partner on my company, they wanted her profit and loss statement, even though I had already given a profit and loss statement for the company showing no income to her, and had also given a statement to B of A about her total income for that year. ) I gave XXXX XXXX that info over the phone and he said he would check with underwriting. In late XXXX I was again knocked out of the program for not providing documents, in spite of my previous conversation with XXXX XXXX -- ( important note : the information underwriting requested could easily be ascertained from other documentation already in its possession. This unnecessary request fits B of A 's well documented bad behavior that resulted in the DOJ settlement ). I again contacted XXXX XXXX, he told me to send specific information, which I did within 24 hours ( I have to drive XXXX miles round trip to the nearest B of A or pay to fax from my computer -- something I have had to do numerous times in this process ). I have not had any more contact from B of A. I have contacted XXXX XXXX several times requesting an update and he has not returned my calls. 

I also want to again complain about not being included in the DOJ settlement. In the B of A response, they said that I was not eligible, yet they have refused to reveal what criteria they used to determine my eligibility. They simply say that if I had been eligible, I would have been contacted. What is certain is that I owed more than my house was worth when they began notifying homeowners about the DOJ settlement. 

I will also add that B of A 's actions have created a great hardship to me. My monthly payment is more than half of my income. I have been advised by lawyers to simply quit making payments, but I do not want to risk losing my home because I fell victim to B of A 's predatory loan practices.

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 05/30/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX   XXXX  has a collection against me showing up in my credit report on behalf of  XXXX  indicating that I owe {$740.00} which is incorrect. I have no knowledge of this account, I do n't even use  XXXX  I use  XXXX . I want it removed its damaging my  credit score. Its been there for almost a year now. Please help !

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This account with XXXX was removed from experian for XXXXmonths and recently was reinserted without any notification I waited a month and I was n't giving any notification and experian still have n't remove the account under FRCA an account can not be reinserted without giving five to 15days motivation

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 09-11-2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2014, we began the refinancing process with PNC Mortgage, the lender that had our mortgage at the time. Our refi was approved but PNC was a little slow to get the closing date set in XXXX, perhaps due to the Holidays. Our PNC Mortgage payment was due XXXX/XXXX/14, and if not received by PNC by XXXX/XXXX/14, a late charge or {$280.00} would be assessed. My PNC Mortgage Banker working on the refi told me that PNC does not charge PNC customers a late fee if they are in the process of refinancing with PNC. He advised me not to pay the XXXX payment as he expected our refinance to close before XXXX. I called Customer Service and was told the same thing : PNC will not charge a late fee to an existing customer who is refinancing with PNC. Since PNC still had not set the closing date, I went ahead and made the usual payment so it would not be late. However apparently PNC documented payment as of XXXX/XXXX/14. When I received the closing documents on the day of the closing,XX/XX/2014, I requested a copy of the PNC Payoff Statement from the title company. It clearly lists a charge of {$280.00} for Unpaid Late Charges. I complained at that time to the Mortgage Banker and the title company but PNC said the closing would have to be postponed to recalculate the documents. If we refused to close until the documents were corrected, PNC said with the Holidays, they were n't sure we could close by XXXX. PNC told me the {$280.00} would be refunded with any excess escrow funds when the title company disbursed their final funds. That did not happen. I have inquired several times, both in writing, and over the phone with PNC Customer Service and the Mortgage Banker who handled our refinance, but PNC will not refund the late charge. Customer Service acknowledges this is their policy : to not charge a late fee to PNC customers refinancing with PNC. However they state they can not do anything now since the loan is paid off. The Mortgage Banker agrees with my complaint, and said he would ask his manager to intervene and request a refund, but he no longer responds to my e-mails checking the status of the refund. I want the refund PNC owes us of {$280.00} for a late charge PNC stated numerous times they would not charge since we were refinancing an existing PNC mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Sent a certified letter to XXXX XXXX requesting verification of a credit card debt on XX/XX/XXXX. As of XXXX XXXX XXXX they have who failed to respond to any of my request requesting verification and have continued to reporting it that through the three major credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Deposits and withdrawals

Complaint: I bank with Chase Bank and use the ATM regularly for deposits and withdrawls. Their advertisement in XXXX on the ATM 's for several months past has been that you can deposit cash in the ATM until XXXX to receive same day credit. On XX/XX/XXXX I made a deposit of {$100.00} into the ATM to cover charges that had been made in my account ( @ XXXX XXXX TIME ). This deposit left me a positive balance. The next morning I had a text alert on my phone that my account was overdrawn, after further review, it appears I was charged XXXX {$34.00} fee 's for insufficient funds. I called the bank to understand why this happened and was told that my deposit was not submitted by XXXX EST ( which would be XXXX XXXX local time ). I was offered a refund of XXXX {$34.00} fee and was told I had to ask the branch for the other XXXX. My concern aside from the fee 's in this case is that there is a different treatment based on time zone. Someone in XXXX, has 2-3 hours more leadway than someone in XXXX to make cash ATM deposits to not get a fee. This is unfair treatment and segregation based on time zone. I would imagine this is a UDAAP concern and that is the reason for me bringing this to the attention of the CFPB since Chase did not understand my concerns for this desperate treatment. I am requesting all XXXX fee 's are refunded, in addition, I am requesting I be compensated appropriately for my time dealing with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/17/2017 about Student loan (Private student loan) with SLM CORPORATION (CA).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: On or about XX/XX/XXXX, XXXX XXXX ( daugter of my associate ) asked if I would co-sign a student loan so she could continue with her education. I told her I would but I wanted to see the loan terms before agreeing. I gave her my personal info. so that she could fill out an application. I never saw the loan application nor the loan terms. I never signed any documents relating to the loan. I never heard anything about the loan again until XX/XX/XXXX. XXXX indicated my credit may be impacted because she was unable to make the loan payment. I never received anything from XXXX XXXX regarding this loan. I asked XXXX to give me the information regarding this loan, the account number, ect. She never provided me the information. I did my own research, and, sure enough, I was listed as the cosigner ons this loan I made the payment as did not want my credit impacted. I asked Sallie Mae to immediately send me the loan doc. They faxed them to me. I had never seen these documents before. I did not place my signature on the loan application nor did I sign these documents. I went to the police, filed a report and then filed a complaint for fraud with Sallie Mae. I requested Sallie Mae to run the IP address as they would find that my computer nor my location where any computer I owned would not be associated with the signing of the loan application or loan. They have refused to take me off as the cosigner. I have made numerous attempts to contact XXXX XXXX. She has blocked my number as well as blocked me from XXXX The amount originally on this loan was {$28000.00}. This loan was done by electronic signature. Interestingly, both signatures ( hers and allegedly mine ) occurred on the same day, same script. The loan was signed on a Sunday. The only computer I have today as well as at the time was a computer located at my office in XXXX XXXX. I have a law firm and do not work on Sundays. The signature on the loan was never placed by me or with my authority. This case is easily resolved by running an IP address, which, it is my belief, Sallie Mae never even bothered to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Closing on a mortgage

Complaint: The home in question was purchased in XX/XX/XXXX - the original loan was serviced by XXXX XXXX XXXX XXXX - there were 2 loans that XXXX was holding. XXXX put a lien on the property for both the first and second mortgage. When XXXX closed - the loans were transferred to XXXX XXXX. We were notified that the 1st mortgage would be cancelled and the second mortgage funds had to be paid and the mortgage company ( XXXX ) also told us that they will stop paying the insurance and the taxes on the home. Subsequently - the XXXX XXXX company also closed - and 1 loan was transferred to Ocwen - this would be the 2nd mortgage that was transferred over to Ocwen and the amount was paid in full. However the 1st mortgage, that was cancelled, was never removed as a Lien on the Property. We were informed that Ocwen took over for the XXXX XXXX XXXX and that they would be the holder of the loans now. We have requested Ocwen to verify the cancellation of the first mortgage and requested that Lien on the property be removed. Ocwen 's more recent reply on XX/XX/XXXX - that they have no information on the 1st mortgage and can not verify the existence of the 1st mortgage and they do not have a point of contact for XXXX to confirm the same. Please advise on what to do to resolve the issue of removing the lien from the property.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed my personally identifiable information ( address, credit information, social security number, etc. ) to be compromised and accessed by an unauthorized party.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Student loan (Federal student loan servicing) with Reliant Capital Solutions, LLC (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: XXXX XXXX I attempted to enter an income based loan rehabilitation program. I was told by the representative over the phone that I needed to submit a Financial Income Statement form, send proof of income, as well as a copy of the signed loan rehabilitation agreement. I completed the forms and submitted them via email and a payment was collected from me in the amount of {$5.00}. From XXXX XXXX - XXXX XXXX I made monthly payments in the amount of {$5.00}. I missed my XXXX payment and because of that in XXXX XXXX I made two payments. I was told that as part of the agreement after I completed the 10 payments my loans would be taken out of deferral. I made my payment in XXXX and due to my own fault I lost contact with the company. In XXXX of XXXX I made contact with the company with hopes of continuing or restarting the rehabilitation program. I was told that because I had never submitted a signed agreement that I was never actually enrolled in the program. So i was " voluntarily '' making payments. I would never volunteer money ( no matter how small the amount ) if it was going to count for nothing. The representative I spoke with tried to explain that in XXXX XXXX they sent me a letter saying they never received the document, but from XXXX - XXXX during our monthly phone calls my designated point of contact never mentioned that I was missing this documents. He gladly just took my {$5.00} payment. There clearly was gross negligence on Reliant Capital 's part for not making me aware that they were missing any information. And pure ignorance on my behalf because I should have followed up. Moving forward I want to correct the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2017 about Mortgage (Conventional home mortgage) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report

Complaint: We successfully short sold our home in XXXX of 2016. The process was easy and fast. Everything was done flawlessely or so we thought. XXXX has yet to report to the bureaus that this account has been closed and the house has been short sold. So as of right now for the last 21 months straight my wife 's credit and my has been getting hammered and the account shows over 120 delinquent. I have reached out to XXXX several times to have this corrected. They have yet to do so. It is almost two full years later and they need to be held accountable now.

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 07/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone has used my social security number to make XXXX attempts to apply for a credit card using my former maiden name. Fortunately this person has never succeeded, but I am left with XXXX hard credit inquires on my credit report with TransUnion. I placed a XXXX day fraud alert on my credit report. This person has made XXXX attempts to this creditor : XXXX, FL XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen received my XX/XX/2017 payment as follows : check # XXXX, in the amount of {$3100.00}. That would break down as follows, regular monthly payment of {$1100.00}. Plus a extra {$2000.00} to be applied to just the principal. Out of that regular monthly payment of {$1100.00} should come the escrow, the interest, and the PRINCIPAL payment. As you can see from the attachments. Ocwen once again has failed to apply my monthly funds correctly. This month Ocwen failed to apply my regular principal payment to the loan. ( that amount would be {$460.00} ) Ocwen only applied the extra principal payment I sent in to my loan. As you can clearly see from the letter Ocwen sent to me and to the CFPB dated XX/XX/2017. They corrected their last mistake from last month and brought my account up to date with the correct unpaid principal balance for XX/XX/2017 of {$130000.00}. ( that page is in with the attachments. ) With that being said when you take the extra principal payment of {$2000.00} plus the regular principal payment of {$460.00} and add those together you get {$2400.00}. You then subtract the {$2400.00} from the unpaid principal balance of the loan, and you get {$130000.00} for the unpaid principal balance of my loan going into XX/XX/2017. As you can clearly see on the payments and amounts due page ( that page is in the attachments ) Ocwen states that the unpaid principal balance is {$130000.00}. That is clearly wrong. On the payment confirmation page ( that page is in the attachments ) Ocwen states that my loan is now due for XX/XX/2017. THAT IS CLEARLY WRONG. My account is next due for XX/XX/2017. On the Payment and history page ( that page is in the attachments ) Ocwen does n't show any amount of principal being applied to my loan for the month of XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: To whom it may concern : Experian is reporting inaccurate information on credit report and will not remove the inaccurate information. XXXX ( dispute report number ) date dispute file is XX/XX/2017. Public Record showing bankruptcy filed with US BKPT CT VA XXXX. I contacted the the XXXX XXXX CT VA XXXX for verification of this dept.The court stated they cant verify this debt. Also the amount is showing bankruptcy file for XXXX $ who files bankruptcy owing XXXX $ in debt..No one!! I ask that this public record be deleted from my credit file immediately!! Under the FCRA information on your credit file must be accurate and verifiable from the source. US BKPT CT VA XXXX did not verify this debt to be true and accurate therefore it should be removed. The reporting source is reporting inaccurate information. Please remove this information immediately. Also this reporting violates the CDIA new public record reporting standards effective XXXX XXXX, 2017. Thanks 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 10/22/2015 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Deposits and withdrawals

Complaint: I am posting this under Deposits and Withdrawals, but it should go into the Problems Caused by My Funds Being Low because these issues mostly affect those of us who live paycheck to paycheck. I have many years of experience dealing with this fraudulent bank. I am an expert about my checking account. I keep very close tabs on it because I live so close to the financial abyss. I am writing this because I have XXXX overdrafts on my account that I incurred in the last three days because : Key bank routinely applies debits out of order which can result in excessive overdraft fees. Key bank routinely holds payments in the Pending Status long after the vendors have been paid, sometimes up to 7 days. 
When the bank account gets credited for the purchase, the record of the credit to the account is placed earlier than the day and time the account is actually credited. 
Key Bank routinely does not apply changes to the account in a timely manner and also applies debits to accounts out of order. 
Key bank routinely does not apply deposits in a timely manner and holds onto deposits to incur excessive overdraft fees. 
Key Bank reports available balances that are not accurate. 
When a cash deposit is made into an account, the cash deposit is recorded in Pending instead of being deposited directly into the account. 
Key Bank incurs regional ATM fees that show up on the account days after the ATM card has been used.

Company response to consumer: Closed with monetary relief