milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/25/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: I opened a new checking account in the Bank of America in XXXX XXXX, XXXX XXXX XXXX, Virginia XXXX - because I liked the good offer it had itself it means {$100.00} as a gift If have at least XXXX direct deposits in the first 90 days. However before opened it I got information about it by phone and twice with the branch, all of them in the same branch, so after I opened my new account the banker explained to me the process about the direct deposit so I had to handled with my employer so I did. Few days later, I called the bank to ask when exactly I would received the gif? the banker told me : If my direct deposits are more than {$250.00} I will receive it after 90 days otherwise I do not received any gift. It was a new information nobody told me before I told the agent about that he said sorry, the manager of the branch apologized to me offering she can close my account If I want to but she will not give me the gift and finally customer service of the bank told me they ca n't do anything about it. PLEASE I need your help this bank mistreated me as a client, they did n't have any consideration with me after they behave was snaky with me ; it was very clear the banker just wanted trapping me as a client opening a new account hidden the true cheating me all time. Also I had to change my old direct deposit to this new one costed me time, money and explanations to the XXXX office of my job. I think is my right to demand the gift of {$100.00} from the bank as they offered me the first time, they must keep their words. I do n't deserve be treat with disrespectful. 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 monetary relief
Consumer complaint received 09-08-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with OCWEN LOAN SERVICING LLC (TN).
Issue: Closing on a mortgage

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Tn XXXX XXXX XXXX cell XXXX XXXX Fax XXXX XXXX XXXX XXXX I had a real estate loan with GMAC Mortgage Corporation dba XXXX originated in XX/XX/XXXX. It was a home equity loan for a term of ten years with a principal amount of {$50000.00}. I paid off the loan. I entered a contract to sell my home in XX/XX/XXXX and could not close as scheduled onXX/XX/XXXX because the mortgage has not been released.
The XXXX result for the loan shows the loan status is " inactive. '' All requests to identify the proper servicer and seek a release of the mortgage have failed. The responses from 2 servicers identied as potential servicers for this loan are as follows : 1. " Ocwen Ocwen Loan Servicing, LLC ( Ocwen ) has received your recent inquiry regarding a loan ( the Subject Loan ) which may have previously been serviced by GMAC Mortgage, LLC ( GMACM ). As a result of the XX/XX/XXXX Chapter XXXX Residential Capital, LLC bankruptcy ling under case XXXX in the United States Bankruptcy Court for the Southern District of New York, certain assets of GMACM were sold to Ocwen effective XX/XX/XXXX, including servicing rights for certain mortgage loans. We have researched your inquiry and determined that Ocwen did not acquire servicing rights for the Subject Loan as part of the aforementioned sale. Accordingly, we regret to inform you that we are unable to assist with your inquiry. If you believe that Ocwen is the last servicer of record for the Subject Loan, please forward any documentation you may have in support of your request to : Ofce of the Consumer Ombudsman XXXX XXXX XXXX XXXX, FL XXXX Fax ( XXXX ) XXXX Sincerely, Ocwen Loan Servicing, LLC '' 2. " This is not one of our loans. We are not servicing this loan. We only purchased open loans from GMAC in XX/XX/XXXX. Thank you, DC-Lien Releases XXXX XXXX XXXX Document Custody | Servicing XXXX XXXX XXXX | XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Arizona XXXX  XXXX XXXX | XXXX '' Show Quoted Content The inactive status of the loan, according to XXXX, Ocwen and XXXX, demonstrate the loan was paid off and I am entitled to a release of the mortgage. If it is not released soon, the buyer of my home may cancel the closing and I may suffer a nancial loss. Please help me identify the proper servicer or entity to release the mortgage and help me to secure a release. Please contact me with your response as follows : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TN XXXX XXXX XXXX cell XXXX XXXX fax XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Problems caused by my funds being low

Complaint: BOA should be investigated for their overdraft fees and collections practices. How is it legal to charge fees on items that were deducted from your balance prior to an actual overdraft? I had charges come out and deduct from my funds prior to a charge which resulted in an overdraft. fees were added to transactions prior to the overdrafted item. fees are added from an extended overdraft but how can you expect me to pay over {$400.00} when my overdraft was roughly XXXX? when speaking with customer service, the rep provided every answer possible without incriminating boa. I used to actually work at boa for 5 years and never had issues such as I do now that I am no longer employed with them. the fees charged is absolutely ridiculous. I get charged fees for transferring funds from my own accounts! did n't boa get sued for this before? How are they able to continue doing so? their business practices are the reason people HATE you.. the reason people try and get away from you! the reason I am ashamed to say I used to work for you! the last time I had this issue, just a few months ago I might add, I submitted an executive complaint, was assigned a rep to resolve, who frankly told me on the phone that not one fee should have been incurred. this was after I was told via a general customer service manager that if I wanted to avoid fees to stop over drafting my account. I am sure she is still employed by the way. I have had multiple fee refunds in 2015 because of bank of America errors. but mystically they are not coded as an error so when the next rep goes in to next time it happens, it shows waived as a courtesy.. WHAT?? what courtesy do you provide me? the courtesy of having the pleasure speaking with your rude customer service reps who you can tell hate their job? the only time I am treated with even an ounce of respect is when going through the chat option which is probably because it is in writing and not verbal. I would like a scrub of my account.. I want the fees to be returned. there were XXXX transactions that happened that actually overdrafted my account, in turn means XXXX {$35.00} fees, yet I have XXXX! I have fees on my savings from transferring to savings or simply having a savings.. I am done.. if this is not resolved permanently, I will most definitely be the next to sue. you take money from me with my direct deposit that should n't be yours! to have XXXX fees refunded is a slap in the face. I 'm am so tired of having to do this with boa every few months. please investigate bank of America. this needs to be stopped.

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 06/18/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been constantly harassed on a debt I know I do n't owe, never heard of MCM collection, never have I agree of all the amounts fees of what I am being charge, this is an embarrassment on my part when I apply for credit. I need open doors and with this unverifiable debt its very disappointing and very stressful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: XX/XX/XXXX- XX/XX/XXXX I had a checking account and a credit card with wells fargo they gave my account number to some other person who withdrew from my checking account and since i had overdraft protection with my credit card he/she kept withdrawing money until he withdrew XXXX. I filed a complaint with wellsfargo but nothing ever happen. After that my credit score wen down and I havent been able to get back to where I used to be

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 02-01-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Late fee

Complaint: I recently signed up for a American Express Blue Cash Everyday card. Upon signing up a scheduled an automatic payment so that the required payment would be paid in a timely manner. I received a confirmation XXXX/XXXX/2016 that my automatic payments were set up. My first payment date was n't until XXXX/XXXX/2016 ; however, I recently received a late payment fee of {$27.00} since the automated payment was not processed. I called the customer support number and learned that even though I configured my automatic payment over two weeks in advance that it would not start until XXXX/XXXX/2016. This resulted in the company charging me a late fee even though I had actively tried to set up payment.I had to contact the company and they made it seem like it was my fault for not paying the first payment on time and that they were doing me a courtesy in refunding my late fee. I think there are probably many people that are in the same situation as me but may not been as vigilant with their statement.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We have been working with XXXX XXXX XXXX XXXX for almost 7 months to complete a re-fi cash-out on a small vacation property. Our credit scores are exceptional and financials impeccable. Wells Fargo has either lost, misplaced or had documents expire which has prolonged this transaction beyond an acceptable time frame. The rate lock has expired at least 4 times. The title commitment expired after 6 months and Wells Fargo wanted to charge us the {$100.00} fee for updated title documents. I refused to pay that since that was due to their slow process. The appraisal had to be updated after 4 months. The payoff of the original mortgage had to be updated at least 4 or 5 times. There were at least 6 emails from Wells Fargo that stated we were in " Final review ''. That never happened because financial documents kept expiring and had to be resubmitted and then reviewed by their underwriting team. Turned into a vicious cycle in which I finally refused to submit more and more documents. Had to get upper managers involved to try to resolve this matter which may now be close to completing. This should have been finished months ago. LTV is less than 45 %! Could have paid this mortgage off with our own funds but wanted to lower the interest rate, lower the payment, and use the additional funds to pay off another investment property. Whole process has been unacceptable. We have completed many, many loans and this has been the worst loan of them all!!!

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 09/29/2017 about Student loan (Private student loan) with Social Finance, Inc. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Approximately one month ago I reached out to Sofi to take the loans my parents took out ( Parent Plus ) and to refinance them into my name. I was told I would be getting them for {$650.00} per month at an interest rate of 5.25 % after auto-pay discount was put into my name. I have this over 12 emails - where  customer service employees told me this was the right amount. I was then given paperwork to fill out for a monthly loan of {$700.00} at a rate of 5.25 % post auto-pay discount. I was told by 3 employees - over the phone and over email that this monthly rate would go down to {$650.00} per month. 

When I was then approved for the loan, I went ahead and filled out an application for an apartment where I was under the assumption I had {$50.00} extra to use for my utility bill. Then I went to sign the final paperwork - after my loan approval - and asked to verify that the {$700.00} would go down. I was then told by multiple employees that " this was an internal bug '' that has since been fixed but I should go ahead and sign. To be honest, this feels like the definition of a bait and switch where I am being scammed into a price that I did not initially agree to, and was told would be a lower amount. I have tried to have conversations with them and they seem to not have any interest in reaching out. Is there anyway you can help?

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Settlement process and costs

Complaint: My name is XXXX XXXX I am a XXXX veteran. I have filed several complaints regarding Bank of America and I am filing another one I have been working with Bank of America for several years now. 
Now we are at the short sale of XXXX XXXX XXXX, MI XXXXAll the things I feared about working with a big banking company was just true. Initially I got a lawyer to handle this for me. He got indicted on felony charges and dealing with Bank of America has been XXXX ever since. My hair has fallen out, it has been aggravating my XXXX and putting them on over load. 
Anyway. I have honestly tried my best to rectify my issues. I have complied, complied, complied, and still I get to these stop lights that turn red and never turn green again until I call you guys to get on their butts. 
This time, we are all the way to the end of the Short sale process. Now I do n't have a Short sale represented. I have a realtor and a buyer for the house. The appraisal is complete. Now the realtor ca n't find out what 's going on with the short sale. It appears the selling of the short sale came to a complete halt. Contact person has disappeared. No one knows who is handling my short sale. It 's just crazy. I am to be closing on the deal any day and I do n't know where it is who is in charge of my closing. I was instructed that would short sale representative to guild us through the process. Initially we had one. But she would n't close the deal because she accused us of having XXXX mortgages on the house and I did not. I had to write you guys to get that misunderstanding rectified.. I nor my realtor has yet to receive any correspondence. Is hurtful. Please get me assigned to someone to finish this process. Hopefully they have nt thrown it into the wrong pile and put it foreclosure or something. They are full of surprises. I thank God I have you to help me through this absolutely this horrific process.. I saw with my own eyes, how my friends tried to work with them and they still lost their houses. They are clever and ruthless. I am just hanging own by a thread because of you. Hopefully I am not too late with writing this letter. Thank you.

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 10-02-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I attempted to dispute something on my credit report with Experian online. They made it yet especially difficult for me to dispute online. Each time I attempted to dispute online, I was advised I needed to mail a copy of my ID and other form of ID to them simply to file a dispute. Also, I wanted to permanently remove a security freeze on my credit report again this was difficult as I had to provide a time frame for which it could be replaced back onto my credit file. I wanted it permanently removed Credit reporting companies know what they are doing and simply take advantage of consumers and make things so difficult for people these days. I also have XXXX XXXX XXXX accounts I never initiated or applied for on my credit with Experian. The other XXXX bureaus have thus removed this from ny credit report but Experian has not done so and I do n't understand as to why. These are my grandmothers accounts and are not mine.

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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Someone has been applying for credit using my personal information without my authorization and consent. Someone has also opened a XXXX credit account and has been using it without my knowledge. I have filed a police report and sent multiple dispute forms to the credit bureaus ( XXXX, Transunion, XXXX ) but no one is helping me. I spoke to the bureaus and XXXX, however no one is helping me with this issue! I am a victim of identity theft and this is ruining my life! 


XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX Transunion : XXXX XXXX- Account Number XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX : XXXX XXXX Account Number 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 10-12-2016 about Credit card () with AMERICAN EXPRESS COMPANY (MD).
Issue: APR or interest rate

Complaint: American Express send notice in the XXXX billing that they are changing their payment options in XXXX XXXX. In XXXX, an interest rate will be charged on any amounts that are not paid in full by the payment due date, which according to my XXXX XXXX bill, is 7 days from the date of when I received it ( yesterday, XXXX XXXX and my due date is XXXX XXXX. ) I have called American Express and they told me they would comply with all federal laws, but the way this notice reads, they are not. Your rules clearly say that they must give us 21 days each month to pay the bill. Currently, we are given a " please pay by '' date ( one week ) and a closing date which is approximately 14 more days after the " please pay by '' date ( and the correct, approximate 21 days that the law requires ). But the American Express notice states that the interest will be applied to any amounts that are not paid until the closing date. Please look into this and make American Express comply with federal law. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (NV).
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 am writing in regards to a private loan that is reporting incorrectly on my credit files/reports. On at least one occasion I have disputed the validity of the information being reported for this account and the dispute always comes back as unchanged and the account information being reported has been verified. The issue was clarified in the XX/XX/XXXX amendments to the FCRA, which set a specific starting date that is now SET BY LAW as the last deliqency date, and not later dates, such as a DOLP. FCRA Section 605 : ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Late Payments - Seven years from the month in which the late payment was due. If there are multiple late payments in one account item, then they will each expire individually. Charge-Offs - Seven years. The time runs from the date of the delinquency, plus 180 days. For example, if a payment was due on an account on XX/XX/XXXX, but the debtor defaulted, and never caught up to become current again, and the account is eventually declared a charge-off by the creditor, then the seven years reporting time limit starts running on XX/XX/XXXX, with the item scheduled to expire from his/her credit reports on XX/XX/XXXX. I have attached paperwork directly from the Navient website that clearly shows the first late on this account occurred on/around XX/XX/XXXX, but my credit files are reporting that there was n't a late on the account until XX/XX/XXXX. This erroneous entry showing an incorrect date of first delinquency is detrimental to my overall credit rating and has caused me severe financial and emotional distress.
My question now is how was this investigation conducted to confirm that what is currently being reported is accurate? A template response to my complaint at this point will not be acceptable. This account is not only being in-accurately reported but is also past the reporting limits based on the Fair Credit Reporting Act. If this situation is n't immediately rectified I will be forced to take further legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (Credit card) with Alliance Data Card Services (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I opened a Victoria 's Secret account on XX/XX/2013 and made XXXX purchase. The first bill was deliberately sent late so that I was required to pay a late fee. I wrote Victoria 's Secret a letter pointing out that the invoice was sent After the due date paid them the amount of the merchandise and cancelled the card. The company has continued to rack up finance charges and has hired XXXX to harass me relentlessly by calling. I made a mistake of writing a check to XXXX ( XXXX ) thinking that it was an investment account which made the situation worse and amped up the harassment. The charges are all conquered finance penalties that were wrongly charged from the beginning. 

Thank you for any assistance in this matter. 
XXXX

Company response to consumer: Closed with explanation