milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/24/2016 about Mortgage (Reverse mortgage) with AMERICAN ADVISORS GROUP (PA).
Issue: Loan modification,collection,foreclosure

Complaint: RE : XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Vandalism, Theft, Damage, Fraud on behalf of property preservation company, servicer and or lender. 

To whom it may concern, This letter involves damage, theft of personal property and possible fraud caused by the property preservation company XXXX XXXX XXXX XXXX XXXX, Their employees, contractors, and or subcontractors. 

On or about XX/XX/XXXX XX/XX/XXXX secured and winterized this property at the request of the servicer and/or lender due to taxes that were not paid by the borrower. During this time frame the property was vandalized, Items were taken form the home, and the improper winterization of the property caused major water damage within the home. 

The property preservation company replaced a roof on a shed stating that they replaced XXXX square feet of roof deck and roofing material. The issue is that the shed is only XXXX '' by XXXX '' for a total of XXXX square feet. Then they charged for XXXX sq ft of roofing material but install XXXX different roofing materials on the roof. 

It is my understanding that HUD has to approve these repairs and in just this one issue I believe the maintenance company may have committed fraud based on the false statement of square footage of the shed roof. 

I have been dealing with these issues since XX/XX/XXXX with The Maintenance Company ( XXXX ) The Servicer ( XXXX ) and The Lender/investor ( AAG ) as well as the insurance carrier at the time ( XXXX ) Insurance Co. Obviously to no avail. All entities involved refuse to accept responsibility. 

I have detailed documents supporting all my concerns and have run into walls with all involved. I am requesting that someone contact me so that I can get some questions answered and hopefully offer a solution on how to move this issue forward. 

I am currently seeking {$7700.00} in restitution for Vandalism, Theft of personal property, Fraud, and water damage due to improper winterization of property. 

I believe that AAG should be held accountable due to the fact that they are the lender/investor that contracted with XXXX XXXX XXXX XXXX XXXX. It is my understanding that the lender must assume FULL responsibility for all actions created by their contractors as noted in the XXXX letter to motrgagee. 

I can be reached at any of the above contact points ( preferably phone ) at your earliest convenience. 


Sincerely XXXX XXXX Son of deceased parents XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted a Discover card representative to let them know that I had made a payment using the INCORRECT checking account ( I just switched banks ) and they reported my payment as 30 days late to the credit bureau. They tried to charge it from my old account, when it should have been coming out of the new one. I contacted a rep to tell them it was the wrong account, and I made a payment with the correct one as soon as I got a notification from credit wise saying that they reported me as late. I need to get this removed from the credit report as I have proof that I contacted a discover representative about this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am on an income based repayment plan with Navient and it was up for renewal in XX/XX/XXXX. On at least two occasions prior, I contacted Navient concerning this upcoming renewal and was told, as earlier as XX/XX/XXXX or XX/XX/XXXX, that I had to call in XX/XX/XXXX each time. At one point, I was given instructions and a payment that later proved to be incorrect to the point that I could have violated a law following them. I called in XX/XX/XXXX to renew the plan and was chewed out by the representative for not calling sooner. I sent the required paperwork via fax in XX/XX/XXXX to renew the plan. I go on today and see the payment is not income based and they claim that I never sent the paperwork in. Navient believes they can abuse and play games with customers because they have laws that guarantee that customers are forced to pay them no matter what. I am at my wit 's end with Navient and the fact I can not get consistent answers or solutions to whatever I need done concerning my loans. I want to pay them off, but I need the income based plans and I am sick of playing games with them and this " one hand not knowing what the other does ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2015 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Account opening, closing, or management

Complaint: . I entered the bank Saturday morning XXXX XXXX, 2015 to cash a check from my employer. I was informed I would not be able to cash my check because the amount of funds in the account was not enough to cover the check but I could deposit it. I said this does n't make any sense I am a member here and I need to pay to have my tires fixed next door. He ( XXXX ) told me there was nothing he could do so I asked why have n't I received my debit card and he looked into my account and said it had been mailed two days prior. I asked if and when I get my card will I have trouble with accessing my funds once my employer begins to submit direct deposits, he said no. I requested to withdraw the funds I had in the account and asked if there was a bank close with the logo on my check. He told me where it was located, the teller gave me my funds and I left. My debit card arrived in the mail on XXXX/XXXX/2015, it would not activate. I called the customer service line, I went to a branch and was informed a replacement card was ordered. I did not authorize a replacement card nor did I ever ask for XXXX. I called into the branch requesting the name of the person who helped me on Saturday and XXXX answered the phone, after describing my situation he informed me he was the one who helped and said we discussed a replacement card and hung up in my face but we did not and the other teller that was standing there should be aware of that as well. I believe XXXX put in the fake request for a debit card as a retaliation of me having an attitude about not being able to cash my check and withdrawing the funds that day. I did not authorize the transaction and it put me in a bind of being able to pay my bills because electronic check is not accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There are 2 Accounts listed erroneous by your company. I am disturbed that you continue to list a dismissed file bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a XXXX XXXX. This system is sometimes inaccurate because of the limitations of providing a complete social security number. Although it is your policy to keep reporting bankruptcy that is filed dismissed or adjudicated for 10 years, The Fair Credit Reporting Act mentions nothing in section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case civil or otherwise which is dismissed no longer exists in the eyes of the law and the case file may have never been adjudicated. You have no right to obtain information which the government had deemed non existent. It is only fair that in accordance with section 1681 ( a ) of The Fair Credit Reporting Act you delete this from my credit report and send me an updated copy considering it does not require an investigation i would appreciate your response within two weeks from the  date you receive this letter. 

Sincerely 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 09-09-2016 about Credit card () with DISCOVER BANK (MS).
Issue: Credit card protection / Debt protection

Complaint: Discover Card authorized a charge for {$120.00} from XXXX XXXX XXXX this is an unauthorized charge. They allowed the company to charge my card and the charges remained even after I called Discover Card and verified my identity and notified them of the unauthorized charge the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Around XXXX XXXX, I received in the mail XXXX tickets for going through a red light. I contacted XXXX XXXX XXXX XXXX Ticket Agency and was told because of XXXX ( XX/XX/XXXX-XX/XX/XXXX ) the red light cameras were defective and the tickets were dismissed. 
Recently, I checked my credit report using XXXX XXXX and I see Alliance One Receivables has placed XXXX collection accounts on my XXXX credit report on XXXX XXXX, XXXX, and XXXX XXXX, XXXX. The Alliance One Receivables collection accounts do not appear on my XXXX report. My XXXX credit score is XXXX and my XXXX credit score is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Settlement process and costs

Complaint: On XXXX XXXX, XXXX, Ditech Financial LLC had their lawyers draw up a contract to fully reinstate my overdue mortgage. I executed their contract by paying the {$90000.00} delinquency requested. On XXXX XXXX, XXXX I received a statement that stated I owed an additional {$66000.00} listed as corporate advances. I have sent them two letters explaining to them that the executed agreement did not include the {$66000.00}. If you look at the detail of that amount on page XXXX of the agreement dated XXXX XXXX, XXXX you will notice the corporate advance amount was {$3900.00} which was included with what I paid. Then after I made this payment the {$66000.00} appears on my statement which was not a part of this executed agreement. Now Ditech sends me an apology for the confusion and adds another page to the agreement dated XXXX/XXXX/XXXX which includes an additional {$63000.00} for corporate advances. This to me is some type of fraud to make an agreement and after it is executed to change the original agreement. My contention is that I do not owe Ditech Financial LLC {$66000.00} for corporate advances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I had opened a Citigold checking account XX/XX/2016 under the promotion of receiving XXXX XXXX XXXX AAdvantage points when completing the offer terms for the account ( total of {$1000.00} in debit card purchases and successfully completing a bill pay through the Citi service for ( 2 ) consecutive months ). I confirmed with Citi on XX/XX/2016 that I was enrolled in the offer. 

I completed the terms of the offer and a month later, I contacted Citi to confirm that I have done so. Citi confirmed that I had completed the terms of the offer on XX/XX/2016. 

On XX/XX/2016 I am now told by Citi that this offer never existed. They are now rescinding away from their terms and it is now evident that Citi 's business practices are malicious.

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 05/24/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Hi With due respect my name is  XXXX   XXXX  running a small business of   XXXX   XXXX   XXXX   in   XXXX   XXXX   ca. I would like to file a case against dispute claim I had delivered  XXXX  cars of worth {$19000.00} on this date  XX/XX/  2016 to  the customers after bank approval from their debit card but now after around six and half months without informing my  BOFA MERCH SV CS deducted money from my business account bank of america on inquiring they told me there was a dispute claim so we gave money to them I cleared and showed and send them the original contract copies of cars sold out but the bank is not responding they are saying we ca n't help you and file a case against customer or sue them or have a lawyer.     Kindly I request you to help me as I do n't know the other way around I started this very small business and all I have was that which is gone and I am in serious need of help attached with all the necessary documents sales contract etc.     I am looking forward for some immediate help and response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Credit card) with Mel S. Harris and Associates, LLC (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: My checking and savings at XXXX XXXX XXXX were put on hold. I went to my bank to inquire why. They gave me a phone # ( XXXX ) XXXX. I was told I have an outstanding debt with XXXX that had been sold to Mel S. Harris and Associates in NY. I was told they were sending letters to a home I have n't lived at for well over a decade. I was told they had a legal right to seize my money. I was told the debt was from XX/XX/XXXX. The original debt was from the mid XX/XX/XXXX. In XX/XX/XXXX I was repairing my credit score and settled this debt to the best of my recollection. I no longer have records this far back. I sent a letter to XXXX yesterday in an attempt to track the settlement. It is the beginning of the month. This is when most of my bills are due. I have checks out there. XXXX is to a court for an unrelated incident. If that check bounces because of this I will probably have a XXXX for my arrest. It is a violation and a {$25.00} check. It is very bad on so many levels. Untangling this mess is costing me money everyday I can not access my bank accounts and their former contents. In all likelihood this has set off a chain of events that could take years to untangle. I missed a potential job interview trying to resolve this. I just XXXX with a XXXX degree and am trying to embark on a new career. I am getting married and they took the savings that I 've scraped together working XXXX jobs, XXXX days a week while I was taking XXXX credit hours of collage classes. As I am typing this I am missing work. I work in the XXXX industry. I do not get paid sick days or time off. It also just looks bad as I had to tell my employers why I am missing days. I might lose shifts permanently because I 'm missing shifts. I am waiting to hear back from Mel S. Harris. I left a message and the representative also told me she 'd be calling me back today. So far no call. I 've tried to make contact at her office repeatedly today. I may have to keep trying tomorrow. I 've spent the last few days researching what i can to and trying to contact anyone to help. It 's eating up my work and school time. Time is money.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problems caused by my funds being low

Complaint: I am currently in bankruptcy proceedings case no XXXX and unbelievably TD Bank has assessed me almost {$900.00} in fees and overdraft fees since late XXXX early XXXX 2016. Some of these fees are {$170.00} each while the smallest ones are {$35.00}. I have told TD Bank repeatedly and countless times that I am in bankruptcy and have told them to stop automatic payment withdrawals to avoid getting hit even more excessive OD fees but they just do n't care and do n't listen, and it seems that they are deliberately not blocking ACH auto-payments and checks in order to further compound and add to my financial devastation and the hole that I am in. Currently my account is approximately - {$1600.00} of which nearly {$1000.00} is in these horrific fees over the past 2 months.I received some money and want to deposit it in the TD Bank so as to make it positive again, and continue on with my normal banking activities, but a substantial amount of this money will be sucked into these cursed fees, and I will be left with a fraction. I am faced with the prospect of either closing my account and/or taking TD bank to small claims court to resolve this XXXX of financial justice. Please intervene and investigate. Kind regards, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2017 about Student loan (Private student loan) with NELNET, INC. (MO).
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint: This complaint is regarding intentionally deceptive business practices engaged in by XXXX XXXX. During XXXX 2017 I entered into an agreement with XXXX XXXX to refinance existing student loans. The rate I selected was a variable rate that was pinned to 1 month Libor. Per the final disclosure documents I received, this rate at inception of the loan was 3.32 %. However, upon entering the loan, I found the opening rate not to be 3.32 %, but rather 3.56 % ( a 24 basis points difference ). I have been in contact with XXXX customer services for weeks to no avail. I have supporting documentation for this claim and am myself very well versed in financial concepts and disclosures as I myself am a XXXX This intentionally deceptive company needs to be reprimanded and consumers made aware.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a copy of my credit file and enclosed is an account list under XXXX for XXXX which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative event listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX $ I expect that you will provide verifiable proof as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect this negative event to be removed. Please communicate your intentions in writing. 
Sincerly XXXX Last 4 of SS # XXXX D.O.B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2016 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (CA).
Issue: Loan servicing, payments, escrow account

Complaint: The Value on my property has gain enough equity to qualify for XXXX % to XXXX % LTV to remove my PMI. I have proven this with Comps and by consulting with a local appraiser and I sent in a written request to my Bank Flagstar requesting the Removal of the PMI. My bank Flagstar Mortgage keeps giving me the Runaround in regards to the process in which they require me to take in order to remove PMI. I have been told different procedures by XXXX different representatives, I have been told that they will send me a letter explaining what to do and I have not received anything, I have been told that I will get a return phone call and still no return phone call. I have been told that they lost my paper work and that an error cancelled my process. This has been going on for over 2 months and I still can not get an answer on what to do. I have no problem getting an appraisal. A rep from flagstar told me that a letter that will be sent to me states that I need to get an appraisal from XXXX XXXX so I contacted imortage services and imortages services said that the appraisal is {$350.00}, but Flagstar says they wants {$460.00}. I will pay the {$350.00} but feel that I do not need to pay Flagstar an extra {$100.00}, this is extortion. However I still have not received any letter. I have been lied to, ignored, and have spent countless hours of my own time trying to get an answer.

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 12/29/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (PA).
Issue: Managing the loan or lease

Complaint: Hello. My lease with Ally Financial was scheduled to end XXXX/XXXX/2016. I processed three 1-month extensions at the cost of {$320.00} each, which would have brought my new lease end date to XXXX/XXXX/2016. After I returned the vehicle on XXXX/XXXX/2016, I received a bill with {$690.00} in charges to cover " Daily Extension charges at {$30.00} per day for 23 days. Even though I paid {$330.00} on XXXX/XXXX/2016 to cover the final extension ( through XXXX/XXXX/16 ), Ally insists that my lease ended XXXX/XXXX/2016. On a call at the end of XXXX I was told that my last lease payment was short {$60.00} and therefore the money was returned to me and the lease was not extended to XXXX/XXXX/2016, and therefore I incurred {$690.00} in late charges. The problem is that I never received my {$330.00} payment that they said they returned from XXXX. I just spoke to another representative who let me know they they did receive my {$330.00} payment in XXXX, but that it was n't for yer extension and he could n't tell me if it was returned to me.

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 07/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: transunion has been reporting accounts that are paid as negative accounts which is decreasing my credit score. the accounts are XXXX. These are closed accounts but has otherwise been paid in full.

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