milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/18/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I applied and received a modification mortgage thru Ditech Financial LLC. They charged just over {$500.00} for the modification increasing my principal from XXXX approx. The payments are XXXX for 40 years. I inquire as to early payoff and they claimed no penalty but although I am making extra payments and stateing they are to go to principal only they refuse to apply the funds to principal. 
They also started gouging me with fees labeled as ( XXXX ) which they claim are for inspections and mowing my Tiny ( 10 x 20 ft yard ) They claimed to have mowed it 3 times and inspection done two times at a cost of {$400.00} for 1 1/2 months added to my principal. At this rate I would never pay off my loan. They are extorting money from me for inspections that should not be done after I accept the loan and start paying and fixing up the property and for lawn mowing when I am doing that myself. There is no proof they have done anything. Why would they wait till I sign my modification loan and agree to fix up the property when they let it go for the previous 9 months before I started paying again and was letting it go? They are robbing me blind and forcing me to give up a property I can never pay off. I have no incentive to keep and fix up this property if my principal just keeps increasing more than 300 times what I am paying on this principal by these bogus extra charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Bank account or service (Checking account) with Synovus Bank (GA).
Issue: Problems caused by my funds being low

Complaint: XXXX ( Synovus ) charged my account XXXX separate fees of {$36.00} totaling {$210.00} plus a separate fee of {$35.00} the next day. The {$35.00} fee was described as a continuous overdraft charge. On XX/XX/XXXX, I had an electronic transaction in the amount of {$370.00} presented to the bank. However, I had dated the transaction for XX/XX/XXXX. When I saw the bank had prematurely processed the transaction, I immediately deposited {$400.00} to cover the charge. The electronic transaction plus XXXX small transactions were still pending when the deposit was made. On following business day, the bank charged me the {$210.00} for the XXXX small transactions. These XXXX small transactions were arranged by the bank in the order to where the large transaction was paid first followed by the small XXXX transactions. This was done in order to maximize the number of overdraft fees. The bank 's response was that electronic transactions are always paid first and it was just a " coincidence '' that the electronic transaction was larger. However, I have evidence that this is not the case in where I have had a larger debit card transaction paid ahead of smaller electronic transaction previously. 
Synovus has a history of the practice of acting in bad faith by processing transactions in an order that would net them the most in overdraft fees as seen in the lawsuit " XXXX v. Synovus Bank. Synovus paid XXXX XXXX to settle this lawsuit just last year.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I had a XXXX XXXX XXXX account in XXXX and some one got a hold of my checks and over drafted my account by over {$1700.00}. XXXX XXXX XXXX refused to do anything about it and I refused to pay it so it went into collections. XXXX acquisitions had it first so I hired XXXX XXXX XXXX to have it removed and XXXX in turn did remove it off of my credit report but turned around and sold it to XXXX XXXX XXXX. So we disputed it again and it came off my report again, however it now got sold to Convergent outsourcing inc. We are disputing this for a XXXX and hopefully last time

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Consumer Loan (Vehicle loan) with PNC Bank N.A. (AL).
Issue: Managing the loan or lease

Complaint: I believe that I was misled by PNC bank regarding the automatic payments for a car loan ( paid in full in XXXX 2015 ). I discovered it when the loan payment was auto-drafted for the second time after the loan was paid off. PNC advised that " I '' had set up our payments to be made through a 3rd party service ( mycheckfree.com ). I did n't realize that when I originally set up the auto-draft through their website that I had been redirected to a 3rd party not affiliated with pnc. PNC now tells me that that I should have cancelled the auto-draft though the other company ( and that I would n't receive a refund for 10 days. ) Their auto-draft set-up was misleading - I thought all along that I had set up payments with PNC. The bank statement even showed " ACH withdrawal PNC Bank. ''

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 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: Account information incorrect

Complaint: For years I have been battling all three credit reporting agencies to have child support account deleted I do not owe child support ; this account does not belong to me and further more child support cases do not have contracts, amounts owed for services or product. I have written, called, email and went into child support office as well as all three credit bureaus to get this account removed from my credit file.

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 05/14/2015 about Debt collection (Credit card) with D&A Services, LLC (KS).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Wanted to receive information verifying that they had rights to my debt and they refused to send me a mailing. They told me they sent out XXXX mailings and XXXX was before I moved to my new address. They promised that they will no longer be calling me but taking it straight to legal action as well.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: Bank of America , N.A . closed my BankXXXX XXXX XXXX XXXX XXXX card account ( among others ) without the 30 day notice required under XXXX law and confiscated XXXX " travel reward '' points that I had available at the time.

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 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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 had fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt done and violates my rights as a consumer. i reached out to the credit breau on more than one ocasion to advise that my credit was being pulled with out my permission. the listed inquires were pulled with out my permission. discover financial XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   card XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX  XXXX/XXXX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX i did not authorized these inquires and demand that they be removed from my 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 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have never applied for credit with TD bank / XXXX. 
I have advised the company that several cards were applied for around this time so my information was compromised. But they haev refused to fix the matter stating that no credit was issued. The inquire was a hard nit to my credit and is affecting my credit because of it. They have become non responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Mortgage (Other mortgage) with CITIBANK, N.A. (CA).
Issue: Application, originator, mortgage broker

Complaint: On XX/XX/2017 there is an inquiry from Citi mortgage on my XXXX credit report as per attached report which I do n't recognize. I called Citi Mortgage and they told me that they have n't pull my credit. I called XXXX and they told me CITI mortgage is indeed pulled a credit on XX/XX/XXXX. I went back and forth and called Citi mortgage group this morning ( XX/XX/XXXX ) and spent almost an hour to get hold of a manager and was told no managers available. Please fix this issue ASAP on my credit report. I already spent few hours to fix this issue and so far not going any where. Please fix it ASAP and remove inquiry from my XXXX and any other credit bureaus ASAP

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 06/22/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Advertising and marketing

Complaint: I received an offer from Chase XXXX Mileage Plus explorer card that offered XXXX " free '' miles after spending {$3000.00} in the first three months. The problem is that I use the internet link to apply and it only offers XXXX miles. I called customer service and they said they were unable to help. They suggested applying and the calling back to get a " premium match ''. I 'm not interested in calling back and begging for the miles.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN and DOB in order for it to appear in your credit file. The Credit Bureaus has not updated the information and per the new law true Bankruptcy listed and all files under my public records does not include the information and should be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Bank account or service (Checking account) with U.S. BANCORP (MA).
Issue: Account opening, closing, or management

Complaint: I am attempting to close my deceased brother 's checking account. 
I was told I needed to appear in one of their branches with the death certificate. I live in XXXX, the bank is centered in XXXX. I flew there and did as requested, but did not yet have testamentary letters appointing me the personal representative for the estate. The banker who helped me told me because it did not transfer to me on death I needed to come back to a branch in person with the testamentary letters when I obtained them. 
I have handled both my mother 's and brother 's estates. In every other case with a financial institution there was an option to handle this remotely. 
The fact that they want me to fly there again, rent a car, and visit a branch in person when I 've already done so once with the certified death certificate, and they took a copy of my government ID seems ridiculous to me. 
I have the testamentary letters now, but do n't understand why there is no option to handle this without a personal visit to one of their branches.

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 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: nothing they said they only report to th e one re porting place, I need   XXXX   XXXX   to show on all my accounts, it does on  one bu t not all the others, please

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (Credit card) with U.S. BANCORP (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am an attorney representing a client who was contacted about a debt he does not owe. On his own he disputed the debt, and the collector, XXXX XXXX XXXX, sent out documents that appear to be forged or altered. My client made two other attempts to get verification. I filed a FDCPA complaint against XXXX, including fraud for the fabricated documents. In the course of my research I discovered the Consent Order, XXXX which detailed many of XXXX 's tactics. My case is : in the XXXX District of Michigan. One of my investigators made contact with your agency when I was seeking support for a documents/forgery expert. I have not yet called the FBI for an investigation but I was interested in finding out if someone from your agency would be able to provide me with an affidavit regarding some of the deceptive practices XXXX engages in. I also wanted to alert your agency as this may be a violation of the Consent Order. 
The information supplied is for me and/or my firm, except that I supplied the last XXXX digits to my client 's social security number.

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 03-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: found a collection for {$420.00} on my credit report. XXXX has not sent me the final bill i requested in a chat in 2015, XXXX never responded to my requests and i find a collections on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Allied Collection Services, Inc. (Nevada) (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX/XXXX/17 {$220.00} I have received my reports and noticed a third party collection agency was reporting as a open status I have never received a letter or do not even know this company, recently I have been recieving repetitious phones calls intended to be annoying different times of the day from different numbers telling me I need to clear up a debt I know nothing about, I tried reaching out asking them to validate this debt they will never send me anything back in writing they will start calling again from a different number, I would like for this company to provide me signature with me giving a provider permission to share my information with a third party since they claim this debt belongs 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 explanation
Consumer complaint received 06-10-2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (OH).
Issue: Managing the loan or lease

Complaint: My complaint concerns Nissan Motor Acceptance Corporation 's ( NMAC ) inept handling of my automatic ( ACH ) payments for the payoff of my Nissan Rogue Select. I purchased my Rogue from a XXXX Ohio dealership in XXXX XXXX, and set up the simple interest loan amortization through NMAC. After my down payment and trade in, my loan balance was {$14000.00} with an interest rate of 3.27 %, and 4-year payment schedule of $ XXXX/mo. This was to be withdrawn from my checking account in monthly periodic payments until XXXX XXXX. 

Payments were periodic and monthly in the amount of {$310.00} from XXXX XXXX until XX/XX/XXXX, when NMAC, for some reason stopped using ACH as the withdrawal mechanism. I was unaware of this, as I made NO change to my checking account to withhold payments. We love the car and certainly neither want a repossession of it nor a credit ding. 

Today ( XXXX/XXXX/XXXX ), I got a call from an NMAC account manager who expressed concern that my account was now in default and my credit score would suffer. This is came as quite a personal and disturbing shock, causing me to feel XXXX as to how to resolve this. I told the account manager that no action or inaction on my end deserved this kind of threat, credit downgrade, nor any other impending action despite the account manager being quite diplomatic and responsive. My bank had indicated to me that the drop of the ACH would have had to come from NMAC as they made no change to the account. This bothered me a bit all midmorning, including the possibility of a credit downgrade, and potential auto repossession. 

The account manager gave me a number and personal extension to call back to clear this up. Now, I had been making PRINCIPAL ONLY payments, since this year ( XXXX XXXX but for some reason NMAC was partially applying those payments to the " soon-to-be delinquent '' account. Well this is a shock and underscores the incompetent Millennials who " upgraded '' the NMAC system to the tune of XXXX ( nice job XXXX ). 

I will supply further information to the CFPB as this proceeds forward.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Credit decision / Underwriting

Complaint: In XXXX 2015, during a 3-way conversation with Wells Fargo rep and XXXX XXXX, WF rep talked about my account information that was outside the realm of what the refi company was asking for. I only gave permission to the WF rep for each question that the XXXX XXXX asked, so there was no need for the WF rep to volunteer any information or say anything unless I gave permission for her to answer the XXXX rep question. Without being asked, the rep talked about my monthly payment and stating the amount that was due and asking when would I be making a payment. The refi person stated that she should not be privy to this information and disconnected the phone call. After this 3-way conversation a yes to refi was turned into a no with no valid reason why refi decision was changed. My complaint is that the WF rep gave out information without my permission and information that was apparently detrimental that lead to my denial of credit. What I want done is to receive monetary compensation from WF for this denial of credit due to incorrect release of information by WF rep.

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 10-04-2017 about Debt collection (Medical debt) with Receivables Management Partners, LLC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I saw that a collection showed up on my credit report from XXXX XXXX so I called the number on the credit report and asked them what was this {$410.00} debt that they put on my credit. They stated that it was a bill from XXXX XXXX from XX/2015 and I told them that i do not owe them anything and they stated that I did. I told them that I would be disputing this information. The very next business day, they call me at my place of employment. Now, at the time that I had went to XXXX, I had just been let go at my job so I was just trying to use my benefits by the end of the month so I could get anything covered that needed to be done. I went in for a XXXX XXXX and they told me that I had 5 XXXX and one might require a XXXX XXXX but they would try to save it. Please keep in mind that i had no XXXX since I was XXXX years old and I went to the XXXX faithfully. For this service, I had to pay my portion of {$670.00} and the rest was to be covered by insurance. I applied for XXXX XXXX and paid them {$670.00}. They supposedly saved my XXXX and gave me fill ins. Two months later, I started having sXXXX XXXX in my XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. XXXX called me stating that they had another portion of the bill that I needed to pay- something around {$120.00}. I explained to them that they did not fix the issue when I paid them the first time and that, now, I faced the dilemma of having to get a XXXX XXXX ( while then XXXX ) with no insurance, as I had only started a XXXX job at the time. I was very upset because I had to come out of alot more money after already paying them all of that money. The girl was supposed to talk to the XXXX about this. I never heard anything from them and then I get this collection almost 2 years later for almost 4 times the amount. I am very upset because I paid them for work that was unsatisfactory and they are trying to ruin my credit. Then, this company is calling my place of employment and finding information about me. I really need a resolution to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I submitted a complaint regarding my account when I was charged over {$1000.00} in overdraft fees in  XXXX  and  XXXX    XXXX   even though I never elected to have overdrafts allowed on my account.     I was refunded {$860.00}. I am seeking the remaining {$230.00} to be refunded. I have retained legal counsel and will move forward if needed.     account number  XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-07-2017 about Money transfer, virtual currency, or money service (Check cashing service) with PAYPAL HOLDINGS INC. (AR).
Issue: Fraud or scam

Complaint: I have had my primary e-mail account hacked. It is being accessed only by the criminal who got into it and changed the password. I can not access it. It is the primary email that records of my  PayPal transactions are being sent. Several attempts to get PayPal  to stop sending details of my transactions using their service to my hacked e-mail address have failed. They continue to send the details to a e-mail address they have been told several times are in the hands of criminals.

Company response to consumer: Closed with non-monetary relief