milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: sent XXXX letters to both parties on XXXX/XXXX/16 and XXXX/XXXX/16 as of today no response of verification of debit. In both letters I asked for signed copy to validate the debit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problems caused by my funds being low

Complaint: I 'm basically filing this complaint against TD Bank, just to set the record and get the facts straight with the following situation : On XXXX/XXXX/15, I went to the XXXX, XXXX XXXX XXXX TD Bank branch to make a deposit so that I would n't receive any overdraft fees but when I got there I discovered the branch 's ATM was malfunctioning and not accepting deposits. At that point in time I realized I was not going to be able to make it to another TD Bank branch by the cut off time of XXXX XXXX, to avoid being charged several overdraft fees. So at that point in time I called TD Bank 's XXXX customer service number and after waiting for over half an hour, I was finally connected to a live TD Bank customer service representative. I explained what had happened and that same TD Bank customer service representative told me that I had nothing to worry about as long as I made the deposit at another TD Bank branch, on that same day, before XXXX, and he assured me that he was going to note my checking account so if by chance I did receive any overdraft fees, they would be instantaneously reversed/refunded due to the malfunctioning ATM, which the TD Bank customer service representative clearly and endlessly kept referring to as a bank error. So the next day on XXXX/XXXX/15, I received {$140.00}, worth of overdraft fees so I called TD Bank 's customer service XXXX number back and I explained my situation, especially the note that had been placed on my checking account the day before by the another TD Bank customer service representative, to the new TD Bank customer service representative that picked up my call. After reviewing my checking account, the new TD Bank customer service representative told me that the note never mentioned, authorized or suggested that any overdraft fees should be reversed or refunded. So I quickly requested to speak to a supervisor. So after going back and forth with the TD Bank customer service representative and supervisor and also after they both, together, reviewed my checking account several times, they reversed/refunded the {$140.00}, worth of overdraft fees. But they stated to me that it was being done as a courtesy and that 's why I 'm filing this complaint. It should 've never been labeled, noted, called, referenced or posted in my checking account 's notes as a courtesy reversal/refund, it should 've been labeled, noted, called, referenced and posted in my checking account notes as a malfunctioning ATM bank error. I once again find myself in the same situation with TD Bank 's customer service department : I would like to know which XXXX of the XXXX TD Bank customer service personnel I spoke to and with over the phone on either XXXX/XXXX/15, or XXXX/XXXX/15, was once again very disrespectfully and unprofessionally misleading, misinforming and with conviving intentions, purposely lying to me????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2015 about Credit card () with U.S. BANCORP (VA).
Issue: Advertising and marketing

Complaint: Credit card company 's sign up page stated : Enjoy all of these benefits for {$50.00} Annual Fee The benefits included a benefit for Bonus Award Nights. When clicking on the link, the only information regarding changes was listed vaguely as : We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law. 

It does not state anywhere about changing account benefits, nor does it state that the annual fee is for servicing the account, rather I am receiving a set of benefits for paying the Annual fee. They have now removed one of those benefits, and have stated that they will not refund, prorate, etc., the annual fee on the account even while removing benefits. 

They market this credit card and the annual fee, by stating that I am paying an Annual fee for a set of benefits, and then they are removing benefits while not doing anything with the annual fee. 

The consumer is being harmed by companies that advertise a set of benefits for a fee and then remove those benefits while not adjusting the fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. ().
Issue: Fraud or scam

Complaint: On Tuesday XXXX XXXX I receive an automatic email from Paypal saying that I have autorised a payment of {$100.00} to XXXX. I did not order anything at this XXXX, the organisation was unknown to me. I contacted XXXX and issued a fraud alert with Paypal. 

Fearing that my accounts had been hacked, I changed passwords on every account I could think of, including XXXX. XXXX then automatically takes you through some steps to check if everything is OK. XXXX XXXX an app that I possibly had not installed myself. It was a XXXX app, and indeed I had not installed it. 
I found out that it was impossible to notify XXXX in any way about the scam and the fact that my XXXX account was perhaps involved in this. There is *no* email address or contact form to be found. 

XXXX confirmed that the payment was made via a fraudulent account and directed me to Paypal. 

Paypal does not acknowlegde my claim. They state that the payment was done from the same location as the fraud report. Therefore, they conclude that there is not enough evidence to support my claim and charge me with the task of finding evidence. 
In all this, I have already pointed out to Paypal that my XXXX account had been tampered with ( I had different passwords for XXXX and PP ), informed them of this suspicious app and repeatedly asked how their statement compares to that of XXXX ( which does acknowledge a fraudulent account ). 

On all of my questions I just get a standard reply, Paypal does not address any of my questions. Neither do they explain how I am supposed to get evidence of a hack/fraud. 

It may very well be that the payment was done from my home. I work from home and had my computer on all morning and XXXX was open most of the time. But it is beyond me to find out, let alone prove, how this fraud was carried out. It seems to me that PP are the ones with the expertise to investigate these matters, not me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: According to a letter I received by Bank of America dated XX/XX/2014 it states : " we may not have provided you with the level of service you deserve, and are providing you this check. There is nothing you need to do other than cash the check '' I received XXXX checks in the sum of {$6100.00}. 

My curiosity wondered what 's this money for? and why is the letter vague with no calculations?, just a simple " There is nothing you need to do other than cash the check '' So where did this money come from?, what tax and accounting implications have been created by Bank of America are involved?

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 05/29/2016 about Payday loan () with BlueChip Financial (AL).
Issue: Charged fees or interest I didn't expect

Complaint: Took out a payday loan from Spotloans for XXXX Paid XXXX per month sand still owe XXXX and then come to find out that they are illegal in Alabama

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt in question was paid in XXXX 2014 and is still being reported to the XXXX gathering agencies as an open collection account. Proof of payment has been provided to the agency and they have failed to respond or correct the reporting. The accounts being reported as a balance owed to XXXX XXXX XXXX XXXX but the balance was paid to ChexSystems XXXX, who XXXX XXXX XXXX XXXX referred the matter to as well, meaning the same account was referred to XXXX ( XXXX ) separate agencies for collections, which I believe is defined as overshadowing.

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 11-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: My double cash card from Citi Bank which I opened 2 months ago charged me interested when the card was supposed to be 0 % APR for 15 months. When I called they said my card only has no interest on transfer while the offer letter clearly states that there is no APR for all purchases up to 15 months and they said the offer stands as is and they can not do anything for 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 explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX*********** I was never late 30, 60, 90 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement

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 07/13/2017 about Debt collection (Other debt) with Allied Interstate LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was placed in collection by XXXX XXXX. they contracted Allied Interstate collection company. I had trying to contact XXXX XXXX couple time, I left voices main and my imformation, in order to resolve this issued. I have paid all the balance remain from that units. also ALLIEDI NTERSTATE, not want to accept any documents they want to inforce any potential force about report to the my personal credit files.

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 09/28/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I applied for a home loan and found that Midland Funding had placed a collection account on my credit report without notifying me or giving me the opportunity to validate the debt. They also re-aged the debt. It was not incurred in 2014. It is past the statute of limitations and was charged off by the original creditor. It is uncollectible and Midland Funding is trying strong arm tactics and misleading info to force me to pay this even though I am legally not obligated to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: the company that reported me has illegally reported my account, to credit bureau, late 30 and 60 days in XXXX and XXXX 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I was approved in XX/XX/XXXX for a personal loan at XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. This was a credit builder loan to establish current credit line to increase credit score.  XXXX XXXX states they report monthly to credit bureaus for this purpose. Payments were for 6 months, I have all receipts. Last payment XX/XX/XXXX. Around XX/XX/XXXX, my credit reports did not show current payments. At XXXX XXXX office, I spoke to XXXX. She told me they were having problems with their 'reporting system. ' I asked her to reach out directly to credit bureaus to fix this. XX/XX/XXXX, I got stamped paid in full document for this loan. 7 months later in XX/XX/XXXX, my credit reports showed {$90.00} balance past due to XXXX XXXX. I was given XXXX XXXX corporate number, called and reported this problem. I contacted credit bureaus. XXXX XXXX DELETED my account! Their contract states they will do monthly payment reporting..and they did not honor their end of the contract! They took all my money plus interest and did not provide services as stated. The also did a random credit inquiry which lowered my credit score from XXXX to XXXX. 2 years later, still no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (IL).
Issue: Struggling to pay mortgage

Complaint: I applied for a loan modification in XXXX 2017 with the assist of XXXX ( HUD counselor ) all documents were sent in at the required amount of time. My HUD counselor called to get an update and was told she could not be updated and we needed to resubmit a 3rd party release form which was sent twice previously to her call. I called a day after resubmission of that doc for receipt of it being received and was told that the 3rd party doc was received and also the modification was denied in XXXX on the day the HUD rep had called. During the call, I was told I had the option to resubmit my application during the appeal process time. My application was resubmitted on XXXX XXXX or XXXX. My HUD rep called the next week for an update and was told that the modification package was submitted to soon and that she needed to resubmit before or by the XXXX of XXXX? No phone call from the point of contact ( XXXX XXXX ) or any informational documents were sent to make me aware of this. My third application was resubmitted, as directed, on XXXX XXXX. I have received a notice on XXXX XXXX stating it can not be evaluated due to a lack of time between the sale and the application 37 day evaluation. I feel I have been treated unfairly and myself and the HUD rep have been given the run around and continuous misinformation. I feel every step to this process was initiated properly on my end. I feel the information and lack of communication by the company should be evaluated. I may loose my home because of the lack.

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 11-05-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CO).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: When I graduated from law school, I struggled to find a job. When I sought help choosing a repayment plan, I was steered into forbearance / deferment by instead of an income-based repayment plan such as REPAYE. As a result of this, I 've accumulated in excess of {$50000.00} in accrued interest. While I now have a stable job and I 'm making monthly payments, the accumulated interest has now made my ability to decrease the loan 's principal nearly impossible, keeping me in perpetual debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (AK).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for a cash-out refinance mortgage with Quicken Loans on XX/XX/18. The loan officer,  XXXX ( cell phone ( XXXX ) XXXX ), urged me to commit to the loan in order to lock that day 's rate of 4.56 % with no points ( " par '' ) on a 30-year fixed. I told her I wasn't sure I wanted a 30-year, and needed to think it over because a 15-year might work better for me, since the rate would be so much lower ( there was a greater than 1 point spread between the two terms at that point ). She told me ( and she has an easily accessible recording of it ), " we are locking the whole market, as of today, '' meaning that, if later in the process I wanted to change to a 15-year term, it would not be a problem. I asked what the 15-year equivalent to 4.56 % would be as of that day, and she said " 3.375 %. '' Yesterday, when I let her know that I did, in fact, want a 15-year term, she said the rate for 15 years would actually be 4.475 % -- almost identical to the 30-year term -- so " it wouldn't make a lot of sense ''! She said that it would be theoretically possible to get the 3.375 % she had quote me at the time I paid the application fee and locked the rates -- but that I would have to pay {$10000.00} in points to get it!! I was irritated, so she put me on the phone with her director, XXXX, who, like her, refused point blank to say how it could be possible that a 30-year and a 15-year term would have the same rate. XXXX just kept changing the subject to " how much the market has changed in the last month '' -- which SHOULD have been irrelevant since according the the recorded conversation with XXXX we had " locked the whole market '' a month previously. It seems clear that it was a bait-and-switch operation where she TOLD me she was also locking in the rate for a 15-year term in order to get me to commit to a 30-year, but didn't actually do so. Then, when I asked to switch, they just quoted me the new rate for a 15-year, which had gone up a full point in the intervening month. But they wouldn't admit this, just kept evading the question.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I feel that I have continued to make paymentsure and my account is n't decreasing the correct amount. I have the account number and information that I will provide. I am also an  XXXX  and do n't have the income to continue to pay amounts that are n't correct. I owe under {$3000.00} and they are in a lawsuit for this correct issue. I attended school from   XXXX - XXXX   at  XXXX   XXXX  University.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (OH).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, I contacted my mortgage companys customer service department to let them know that I received my XXXX XXXX property taxes in the mail and to ask if they had been paid. I found out through that call that they had paid only one of the four Parcels my home sits on. She asked me to scan the bills and email to them which I did XXXX XXXX. I was told to wait about a week and to call them back to check the payment status. I have called several times since then with no resolution, every time speaking to a different person. I actually spoke with a manager the last time I called and she promised to get back with me Friday XXXX that would have been the Friday before last. ) Everyone I have spoke with says someone will call me back. I have not received one call. At this point my XXXX XXXX taxes are late, which reflects poorly on my credit. I have been told by them that I can pay the property taxes myself if I am worried. Why should I do this when I have paid this money up front and it is sitting in my escrow? This mortgage was refinanced last year, but they have all the information. All 4 tax bills have always been paid from escrow in past.

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 02/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: RECENTLY questioned a public record on my credit file, asked that the information be investigated because clearly the furnisher has given wrong information ... ..US XXXX court sent a letter stating they do not furnish public records to credit bureaus ....

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 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXX XXXX ( XXXX XXXX is a collection agency contacting me about a previous debt {$470.00} with XXXX XXXX XXXX. I mailed a certified letter to XXXX on XXXX/XXXX/XXXX requesting debt validation ( see attached ). On XXXX/XXXX/XXXX, XXXX responded but failed to validate debt. On XXXX/XXXX/XXXX, I mailed a letter to all three bureaus advising that XXXX is reporting a debt that has not been validate. According to the Federal Credit Reporting Act, it is unlawful to report unvalidated debt on my credit report. I also mailed a letter to XXXX advising them that the bureaus have been notified of their failure to validate the debt. In XXXX XXXX, the debt was removed and re-inserted. Please assist in collection removal from my credit report. XXXX has not validated debt by only providing a debt summary instead of providing proof of actual document that created the debt. Equifax, XXXX and XXXX are illegally reporting an unvalidated debt. Also neither bureau has advised me of the collection re-insertion, also violating the law. Please assist, the illegal reporting of the debt on my credit report is a defamation of character and against the law. Please assist.

Company response to consumer: Closed with explanation