milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Problems caused by my funds being low

Complaint: Us Bank charged me fees for items that cleared my account with a positive balance. Then when I filed a complaint they threatened to shut my account down. They paid me XXXX of the fees back, but they still owe me XXXX of them.

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 07/30/2017 about Debt collection (Medical debt) with Revenue Assurance Professionals LLC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I sent a letter to XXXX to REMOVE XXXX collection 's that have been paid from my report from Consolidated Recovery because they are not licensed in the state of Tennessee. But the items were not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX I sent a complaint to BB & T, because after two years of responses to my RESPA QWRs from XXXX XXXX XXXX ( XXXX ). they have written to me that the custodial bank for my foundational loan documents are in XXXX. In XXXX of 2015, XXXX wrote in a CFPB response that BB & T is now the custodial bank. I then sent a complaint to BB & T on the CFPB web page. BB & T immediately sent it back to the CFPB stating they had no account in my name. After sending another complaint to XXXX, they recently responded with the attached letter. In that letter, in paragraph XXXX, they claim once again that the custodian of the Loan is Branch Banking and Trust Bank. I also filed a complaint to XXXX ( XXXX ) XXXX this past summer, and they are still researching and trying to figure out how to respond. Does BB & T still deny they are the custodian? Is BB & T for some reason allowing XXXX to use them as a decoy? I do n't understand why the servicer and the banks including XXXX, XXXX XXXX, XXXX, and now BB & T continue to give me the run around on a few simple questions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with PNC Bank N.A. (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have tried to refinance with this particular bank XXXX XXXX XXXX XXXX located in Pennsylvania presently owned by PNC Bank, the first time they told me that they were going to process my request and send me a pkg with all the papers to apply for refinance my loan and after a while they send a letter that they denied my application because they do n't do refinance waste my time and effort, Second we apply again and they told that I was going to get consider to get a refinance or modification to my loan to reduce my payments and go to from variable rate to fixed rate on top of all this my primary bank XXXX XXXX wanted to take over and combine both loans into one which was great and the XXXX decide to block and not to released my Leon on my house after I tried to talk to them for several months and my XXXX received a letter saying they were not going to release my Leon on my house with no reason and my family and I had the opportunity to solved this situation over two years ago and we find out that it was unfair from this bank XXXX or PNC bank to abuse authority to block my high potential getting a consolidation loan thru XXXX XXXX that was willing to do it for us, I have evidence that XXXX can back me up that I should got my Lein on my released by them and case could be solved two years and presently my house uts in jeopardy and their lawyer send me a letter that my house loan to be paid in full or conditions can be arranged to paid over {$10000.00} dollars so we do n't have that much money to avoid to go to court and we can loose our property we need help from this agency and that 's why we putting a complaint against this bank XXXX or PNC bank hopefully we heard something soon, much appreciated from my family and I Sincerely XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This XXXX loan was paid in full and still showing a balance of {$1300.00} in my credit report!!!!!

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 10/13/2015 about Consumer Loan (Installment loan) with Delbert Services (SC).
Issue: Shopping for a line of credit

Complaint: I took out a loan XX/XX/XXXX with Western Sky for {$2500.00}. The first payment ( {$150.00} ) was drafted from my XXXX checking account XX/XX/XXXX. My monthly payment amount is ( {$290.00} ). I am current with the loan as of this writing. I have paid ( {$13000.00} ). For the last two years, a company XXXX has been calling my residence and cell phone XXXX times a day. They are requesting that I sign some form of documentation about my payments. For the last six months I have repeatedly asked for documentation concerning my loan, the payments I made, the amount of interest, etc. Only after threatening to stop the bank draft did they finally send me the information. These documents were mailed to my home. I was shocked to discover that I have paid back my original loan amount over five and one half times. 
XXXX is still calling both my home and cell phone several times per day. After doing some research on Cash Call, Western Sky and Delbert Services Corporation, I discovered that these are illegal loans and that in fact as of XX/XX/XXXX, Cash Call, Western Sky and Delbert Services Corporation are being sued for issuing illegal loans. In addition, according to a statement of charges filed by XXXX Department of Financial Institutions, XXXX XXXX, Western Sky, Delbert Services Corporation are all owned by one man, name not given. After reading more reports I also discovered that WS Funding, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX other companies are also part of this illegal loan. I feel as if I have been a victim of fraud by an illegal company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: on XX/XX/2016, I received a call from a person by the name of XXXX from the law firm of XXXX XXXX, which is a principal partner of XXXX XXXX XXXX. According to XXXX XXXX, she represents Portfolio Recovery Associates and she was calling to negotiate on their behalf. Based on information provided to me by Portfolio Recovery Associates one month prior to receiving the call from XXXX XXXX, I had a total debt of {$670.00}. As such, on XX/XX/2016, XXXX XXXX, who I assumed was representing Portfolio Recovery, negotiated with me and agreed to accept {$300.00} as total payment, and according to her, the debt was settled. According to XXXX XXXX, the conversation was recorded and that she was going send me a confirmation letter in the mail within XXXX hours. As of today, XX/XX/2016, I have not receive this letter. In addition, XXXX XXXX, has not return numerous phone messages that I left for her in her voice mail. I have sent a validated bank receipt of the transaction on XX/XX/XXXX which shows that XXXX had withdrawn {$300.00} dollars out of my checking account to the XXXX major credit bureaus for them to investigate this matter, but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Payday loan () with ACE CASH EXPRESS, INC. (NJ).
Issue: Charged fees or interest I didn't expect

Complaint: For the past few weeks, I have been contacted by Ace Cash via email to collect on a loan that I have not applied for. I 've attached their latest email to this complaint. I am also being constantly called at all times, presumably by this agency.The last email threatened legal action and was sent by XXXX XXXX XXXX, claiming to be a legal representative for Ace Cash. 

I am very concerned about this because they have access to my Social Security number and my home address. They may even have access to my phone number because I have been contacted via phone as well. I no longer pick up the phone when I do n't recognize the number for fear that this is Ace Cash. I do n't know this company nor have I ever reached out to them for their services. I have never applied for their products. 

I respectfully request the Consumer Financial Protection Bureau to initiate an investigation to determine who is behind this and to take whatever measures are necessary to protect my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (Mortgage) with Shellpoint Partners, LLC (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Began calling monthly about 5 months ago. Payment is due on the XXXX and statements are normally received that day or after and mailed immediately. They refuse to send the statement earlier requesting payment be made by phone or Internet for a fee. Payments have never been past the XXXX grace yet they continue to call. Called me at work this month and I told them I was reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (SC).
Issue: Confusing or missing disclosures

Complaint: On XXXX XXXX 2017, I attempted to send {$60.00} USD to a friend via Western Union. The fee for " in minutes '' availability is {$13.00} for this sum. When going through the process to send money, the questions asked about the receiver are : First Name, Last Name, Phone Number ( optional ), and State. " State '' is not listed with any context, so it could be " State where recipient has a government-issued ID from '', or " State where receiver is a resident '' or " State where money is to be received ''. At the bottom of the screen are the disclaimers, which update as you make transfer choices to show relevant information. One such disclaimer is " 6 Your Receiver can pick up your money transfer at any of our Agent Locations in United States ''. However this turns out not to be the case, as the ambiguous " State '' field is in fact " State where money is to be received. I phoned WU to have the State of my order updated. They were able to do this without issue. My receiver went to an agent location in the now-correct state, and was asked for a phone number. This was an optional field when sending, so I did n't fill it out. The WU representative told my receiver that this was the only way to look up the order. So I called WU again. They told me that they did n't in fact need receiver 's number, that receiver could simply provide the number and this would resolve the issue. This did not work. WU then told me to have my receiver call WU and have them speak with the local agent. This did not resolve the issue. My receiver had to go to another WU location where money was furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I graduated from college in  XXXX  with a starting balance of $  XXXX  -it is n ow  XXXX  and the current balance is   XXXX    XXXX . I have requested the original information on this loan and was not provided with that or payments since  XXXX . I was sent information from  XXXX  on. This information was sent from  XXXX -which is a nightmare to deal with. They tried telling me I needed a reason for asking for the payment information and then sent me someone else 's loan information! From what I can tell with the information I have received the interest rate ranges from 5 %  -5.3  %? I know there was a time I did not pay and was in deferment, but I am guessing no longer than maybe 6 months? I have paid on average {$190.00} a month ( I think even more when I first began payments on the loan ) so according to the figures I receive I will have paid almost double of what the original balance was!   I sent in application for  Public Loan Forgiveness s o now my loans are through myfedloan servicing. According to them I do not qualify for the forgiveness and I have sent them an email asking for some explanation on these numbers and I have not received any response. I would like some help/questions answered as to how this is fair and possible that this loan will not be paid off until  XXXX . It is really mind blowing if this is correct and how student loans are done.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX XXXX XXXX is listed on my credit report with the initial creditor noted as XXXX. I mailed to XXXX XXXX to validate debt and mail was returned. I submitted a complaint to CFPB and the response from XXXX XXXX XXXX was the debt did not belong to them.

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 04/15/2016 about Bank account or service (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/16 my checking account at First National Bank of Pennsylvania had a total of XXXX unauthorized debit card charges totaling {$360.00}. I repeatedly tried contacting the bank until finally getting a response and then cancelling my card with an investigation being launched. Consequently, on XXXX/XXXX/16 my account was charged an additional {$34.00} for an overdraft due to the unauthorized charges. I 've repeatedly left messages for the manager at the XXXX XXXX branch to contact me with no response. This all took place after a total of {$100.00} in unwarranted overdraft charges were levied on my account the week prior ... XXXX and XXXX/XXXX/16. Please request an investigation into these charges on my behalf and a proper resolution. 

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 07/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Colony Brands, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: This company, Swiss Colony, is making frequent repeated phone calls using a call center based in XXXX XXXX, XXXX XXXX, to my home asking when a debt I incurred is going to be paid. The calls occur at least XXXX times weekly. ( A record is being maintained. ) I have responded appropriately to the company 's XXXX ( XXXX ) written communiques, acknowledging that I owe the amount due and will pay it by XXXX XXXX, 2015 or sooner, and I have asked the vendor 's representatives to STOP CALLING ME. I have attempted to talk personally to the company 's credit department supervisor but ( s ) he does not call me back. NOTE : Company acknowledged receiving my personal responses but says I " will continue to get these phone calls because they can not stop them ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2018 about Student loan (Federal student loan servicing) with MOHELA (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My federal student loans were transferred from Mohela to XXXX XXXX in late XX/XX/XXXX. They were previously serviced by XXXX. I have been in repayment since XX/XX/XXXX on an XXXX plan and have been employed in XXXX XXXX   since XX/XX/XXXX. 

According to XXXX XXXX, Mohela failed to provide any servicing history, including payment history for my loans, at the time of the servicing transfer, even though XXXX XXXX claims to have requested this information from Mohela. 

As a result of Mohela 's failure to provide basic information about my loans, XXXX XXXX states that it can not access any information about my payment history prior to the servicing transfer in lateXX/XX/XXXX. XXXX XXXX is further unable to track my qualifying payments towards public service loan forgiveness prior to late XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: With regard to the recent data security breach at Equifax, they are offering free credit monitoring to those impacted. It appears that the terms imply that by accepting their monitoring service you must agree to resolve any related disputes through arbitration and forego your rights to file suit or join a class action. Seeing as that they are at fault for the issue, I do not think they are in a position to further impose upon my rights as a prerequisite of providing me with a service that does not actually remedy the problem. Credit Monitoring Services and Fraud Insurance does not solve the problem of a data breach, it only provides assistance in identifying and resolving potential negative impacts for a limited time period. The negative impacts could arise much later, and this service is not preventative. I expect to be provided this service without sacrificing my rights later. From https : XXXX/www.equifaxsecurity2017.com they link to the TOU from their main site : http : //www.equifax.com/terms/

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have sent all documents to Experian ( XXXX, letter from XXXX, etc ) on XXXX different occasions. They have failed to correct the balance to XXXX. 
This has been corrected and cleared from my husband 's account due to consumer finance efforts his case number is XXXX. And for this we thank you. Now, your help in this matter is greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-04-2017 about Debt collection (Credit card debt) with Jacob Law Group, PLLC (MS).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: Jacob Law Group, of XXXX, MS., has sued me in Justice court of XXXX, XXXX, MS. for a credit card bill. I have a court date. They have done all of this although I am legally XXXX and they and the county I live in know it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, This is a complaint about Nationstar Mortgage ( their website is mynationstar.com XXXX : # XXXX ). This company failed to inform me about my escrow found increase for the month of XXXX. On XXXX XXXX they received my XXXX mortgage payment that was short of {$39.00}. This organization sends me advertising emails weekly and even thru XXXX!!!!? But when it came to important info they failed to contact me. 
I received a phone call from them around XXXX XXXX informing me that my payment was short. I explained to their representative that I was not aware of the issue and the rep waved the late fees since I was always paying on time as long as I sand remaining payment immediately. ( This info is easy to check since they say that they record all the phone calls ). As I promised I sent them a remaining payment of {$40.00} ( I rounded up the required {$39.00} ) that was received on XXXX. On XXXX XXXX they received my new and increased XXXX mortgage payment of {$2500.00}. 
Last week I received call from Nationstar saying that I 'm " late again.. '' (!!!!? ). The rep told me that since my XXXX payment was short their " system allocated it in a principal payment and I still owe them regular payment ''. I explained my conversation with them in XXXX on XXXX XXXX payment of {$2500.00} was received and I got bill in a mail for 2 months plus fees of {$69.00}. 
It seems to me that it could be new way for banks to try to reposes homes from FHA home owner like me. Take a payment, blame computer system on misallocating it, put extra financial burden on home owner, reposes the home and split bonuses for a great banking work!!! 
Can some one help me with this problem? 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (Credit card) with CITIBANK, N.A. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I filed a complaint against Home Depot for attempting to collect charges made on my charge account that were fraudulent. Citi Bank sent me a letter notifying me the account was re opened and was going to be investigated. Friday I received a letter from Home Depot stating I closed my claim against them and I have agreed to pay the bill. This is not true. I called the number listed on the letter and stated to XXXX that I did not authorize this action. I filled out the paperwork denying the action and faxed it to the number provided. Today I received a letter from a debt collection agency on behalf of Home Depot / Citi Bank and last Thursday I was contacted by a debt collection company trying to collect this debt. 
We are not finished with my open claim. I did not make the charges. We have an open investigation. I am waiting for resolution of this issue. It seems Citibank is railroading me to pay this debt. 
In closing, this claim has not been retracted and Home Depot did not perform their due diligence. This matter was not looked into, the case was opened and nothing else was accomplished on their end. While under investigation this debt is on hold. I do not NOT make the charges not EVER open this account.

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