milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/18/2016 about Mortgage (Home equity loan or line of credit) with BMO HARRIS BANK NATIONAL ASSOCIATION (IN).
Issue: Settlement process and costs

Complaint: my home equity loan with m & i bank in XXXX wi. was bought by bmo bank after about 5 years, after paying on it another 5 years never missing a payment and always on time. they told me it had come due and they would not renew it. there was no due date on my contract with m & i. i have a XXXX credit score. and have never been late on payments or filed bankruptcy. bmo advertises, were here to help. not in my case.they want to go in default with it. i dont know what i can do. please help

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 05-03-2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am a former XXXX student. I took out their private Genesis loan when I XXXX applied in 2012. I was promised flexible repayment options and an easy manageable monthly payment. It was all going well until XXXX and XXXX of this year when I suddenly found myself short on money. I was denied a deferement for the XXXX dollar charge, so I did what I could, and in the span of a week paid XXXX XXXX dollar payments to cut down on the now past due payment of 340 dollars. Despite paying XXXX XXXX dollar payments to Genesis Lending in the span of just one week, my balance for XXXX still reads 340 dollars. Now I am aware that companies send late payments towards interest charges instead of the actual loan amount, but the fact that even after XXXX payments in one week led to absolutely no reduction in the extravagant payment leads me to reconsider what this so called fair and honest company does with my hard earned money. I consider myself lucky enough to have a job in the field I had studied for but it was all due to my own searching, the school never helped me with a solid lead for a career, and I feel very cheated by Genesis lending. The name of my now defunct school is XXXX, XXXX XXXX XXXX, XXXX XXXX, California, XXXX. Any help or advice will be greatly appreciated. Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I have been trying to " lock '' my credit info with TransUnion, a service that they offer. I created an account with them on XXXX/XXXX/XXXX and tried to lock my info. Website reported it was unable to complete request and to try again later. I tried at least two more times on XXXX and twice today XXXX and got the same response. They provide no info on when their system will be able to lock credit info. I am concerned because of the XXXX breach. The other credit reporting companies ( XXXX, XXXX, even XXXX! ) were fairly easy to contact online to freeze credit info. BUT NOT TRANSUNION!

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 05-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Center, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I arrange a payment be done with my Visa for a carpet cleaning debt with XXXX from 2008 They have not charged my card but dealing with an XXXX XXXX XXXX This company with band XXXX XXXX from XXXX keeps calling and harassing my mother, stepfather, my brother, my brother wife and discussing this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Convergence Outsourcing have been told not to contact a specific number ( XXXX ) because it is a business number. Even after requesting them to cease and desist of contact they continue to call me, completely ignoring my request. They have been reported to the FTC once before, and no action have been taken, especially when this is a complete violation of the FDCPA. I feel they are continuing to contact me in attempt to harass me and my company.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (DC).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2014, I called my mortgage servicer, Wells Fargo, and told themthat I wanted to move to a bi-weekly payment schedule so that I couldpay down my mortgage more quickly. The customer service rep confirmed that by making the switch, I would cut about 6 years off my mortgage. I just realized -almost a year later - that she switched me over to a semi-monthly paymentschedule and that I have not made any additional progress whatsoeverin paying off my loan. I am scheduling additional payments now to makeup for lost time, but am complaining because I feel that XXXX Fargodeliberately chose to put us on the semi-monthly rather than bi-weeklypayment schedule - in spite of my clear instructions - to prevent us frompaying down the mortgage more quickly. I suspect that they are usingthis tactic on others, as well. It took me a year to notice that the paymentswere being drawn XXXX a month instead of every two weeks, so this is agreat way for them to " accidentally '' prevent customers from paying downtheir loans more quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I am disputing this collection account by Stellar Recovery Inc. and XXXX XXXX because they have been paid in full. I contacted XXXX on XXXX17 and paid the XXXX that was claimed that I owed. I asked XXXX to contact Stellar Recovery and to have them update my account is paid in full and to contact the credit bureaus to have this account removed from collections and update it as paid in full. On XXXX17 I  contacted Stellar Recovery Inc. about this collections account. They verified that XXXX had contacted him, and told them that I had paid the account in full and had a XXXX balance. What I requested from Stellar Recovery was for them to update their information to the credit bureau 's immediately. They only told me that they would notify the credit bureaus they would send out their information at their convenience. I do not trust this company to notify the credit bureau that my account has been paid. As long as Stellar Recovery has this account in collections on my credit report, then it is still viewed as derogatory information. I want sSellar Recovery to update my account is paid in full with a XXXX  balance immediately and not at their convenience. Stellar ' information is listed below. <P/>Stellar Recovery Inc. XXXX XXXX XXXX # XXXX XXXX, MT XXXX 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 09/17/2016 about Bank account or service (Other bank product/service) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Account opening, closing, or management

Complaint: We called the XXXX branch of First National Bank of PA and spoke with XXXX there. 
We explained that we needed {$8000.00} for hooking up to the sewage system that the city of XXXX XXXX had placed in last year. XXXX stated that the bank could extend the existing equity koan for another 6 years and it would increase the amount from {$150.00} that we have been paying to about XXXX. That was not a problem for the low income that we have to budget out. 
Then on XX/XX/XXXX XXXX contacts us to tell us that they want us to go back to putting money into an escrow again. Not only for the property taxes but also for the house insurance. That will make our monthly payments over {$300.00} a month of which the bank knows that it isw more then we can afford. My husband brings home {$2200.00} a month. Do they expect us to buy dog and cat food in order to eat? 
We are NOT remortgaging the house. We are trying to get an extension on an existing equity loan. We have been paying the property taxes and home insurance ourselves for about 10 years now. Then there is something about closing costs. 
We have other bills to pay. Electric, vehicle insurance, gasoline for my husband to get to work and we still have fuel to heat the house for winter. 
XXXX was told, on the phone, that we needed a " low income loan ''. This is her and the banks idea of a " low income loan ''? 
And to inform everyone, I have not called the bank because nothing ever gets done correctly by those that operate the XXXX branch. 
Someone explain to me how something as simple as extending an existing loan turns into almost another mortgage loam that we did not ask for? I should have gone with using another method of paying for all of it IF I knew that the bank would again XXXX. 
I have all the print outs from the bank and will provide copies of them if they are needed for this complaint. Heck, they do n't even have the assessment correct for the property or the house. 
I need something done before XX/XX/XXXX as tnat is when XXXX has it scheduled for my husband to sign the papers. NOT typing in what I told him about that. 
Plain and simple! We can afford that {$170.00} a month but we can not afford over {$300.00} and still be able to pay other bills or buy enough healthy food and heating fuel. 
We need help from outside the bank to solve this problem. 
Ifwecannot get a loan that we can not afford, I will simlpy call the City Treasurer 's office and tell them to contact XXXX and let her explain how things got screwed up since they said to contact her in a letter that the city sent out.

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 10-10-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (RI).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I have been unable to access my online banking account for over a month. I called Capital One, and they escalated the request to " Tier II. '' I heard absolutely nothing from them. This call took place around XX/XX/XXXX. On XX/XX/XXXX, after not hearing anything, I visited a Capital One caf account. The XXXX banker called Capital One, and they said that they were aware of the issue and they were issuing a patch that would correct the problem at midnight ( on XX/XX/XXXX ). He said it was a problem that had resulted after a system update, and had affected only a few dozen people. I was told that it would fix the problem, and on XX/XX/XXXX I would be able to access the account. I still can not. I called again today ( XX/XX/XXXX ), and all I was told was " they were aware of the problem and do not have an estimated time of resolution. '' It 's an online account, and I have no way to access it other than through the app. It 's exceptionally frustrating, and Capital One does not seem to be taking the matter seriously since it 's only effecting some of its customers. Can you assist?

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Other

Complaint: Several years ago my wife a XXXX lost her job, which caused severe financial difficulties for the family. With her job loss, I had to take over all financial responsibilities as a XXXX XXXX. With her job loss I was unable to continue payments with Bank Of America, XXXX XXXX, and XXXX, and still make the mortgage payment on our house. At the time of her job loss we had excellent credit history. I contacted all the credit cards asking them to work with us until my wife found a new job, and that I would continue to make payments, although they were below the minimum amount. None of these creditors were willing to work with us, and at that time I had to make the decision whether to keep our home or pay the credit card companies. Since that time all have taken us to court, bullied us, and even went so far to contact my employer to have my wages deducted form my pay. At this time they have destroyed our credit history, and at this time no one is willing to work with us for loans. I explained to each creditor what happened, and was willing to work with them until my wife became employed again. Not XXXX was willing to take the time to even talk with me. As of now all credit card companies hired attorneys, and we have paid thousands of dollars to them. Recently, as the balances became close to settlement they stopped taking money each month saying that their law firm was done, but another would be contacting us, this is with XXXX XXXX and XXXX XXXX. The Bank of America has continued, using tactics that I believe is hostile. Much of the amount was paid prior to this, but their interest and payments still baffle me. I am asking for intervention, as I believe their advertising to their customers was deceptive, they would not work with their customers in financial trouble, and made no attempt to contact us prior to starting legal action with a law firm. I am asking that they help us rebuild our credit rating and history as they have destroyed it not willing to work with me when I spoke to them regarding our financial difficulties when my wife lost her job. The attorneys now representing Bank of America are : XXXX XXXX XXXX. 
XXXX XXXX XXXX, Utah XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Medical debt) with Trojan Professional Services, Inc. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Trojan Professional Services is a collection agency which I hold no contract with nor have received services from, however, they are reporting a collection account against my SSN in the amount of {$1900.00} with XXXX, XXXX and XXXX credit reporting agencies. I requested verification of debt from each credit bureau, as well as Trojan Professional Services via a third party company. However, I have not received adequate proof. Considering this business does not have a contract with me for goods or services they have provided, nor have they provided adequate proof, I am not obligated to pay the alleged debt. They have never sent me a notice of the account information, nor have they validated/verified the debt before placing it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Filed XXXX in XX/XX/XXXX to keep my home of 25 years, ( tried for a home Mod but u have to be 3+payment behind which puts u in foreclosure so to stay off the bank i filed Ch XXXX ). For two months once my home was foreclosed I attempted to re purchase it through XXXX XXXX, but no luck in XX/XX/XXXX after XXXX informed me i needed XXXX in a secured account, which I did, still no response until I had my Atty. and XXXX XXXX office got involved. We found my Mortgage when refinanced through Bank of America ( which they did all the paperwork since they did it originally ) was unsecured because of being on XXXX Land, which is necessary through the XXXX XXXX XXXX XXXX. Everything thing stopped, no calls from BoA nothing though I still made the XXXX XXXX payments, until last month. In the last 40+days, my home has been listed for sales w/ disclaimer not to contact the occupant at any level ( me ) ... My Atty. is still involved but Bank of America, will not respond to anything. I received the usual correspondence from BoA, with each of them giving a Ph # for contact that is usually not working. 

My Attorney is convinced that the Loan should have been dismissed during the Chap XXXX, but the worst case scenario would be that the bank would simply sell me back my home for the balance of the mortgage. But so far nothing and my home is still listed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Medical debt) with Collection Bureau of the Hudson Valley, Inc. (NY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX from cbhv called about a medical debt I believed was paid last year by to another debt collection agency or to health quest directly. I asked her to return it as a dispute and she said she isn't going to do anything basically insinuating I was a dead beat she said obviously your not doing anything about this I again requested a dispute she again insulted me and hung up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I Checked my credit report and saw that there is a judgment against me. The reference number is XXXX. 
I have disputed this Judgment directly with XXXX XXXX and they advised me that they are unable to validate any judgments between XXXX XXXX and myself and therefore should be deleted from all XXXX credit bureaus agencies. Please see attached their response requesting advising that it should be removed immediately from 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 non-monetary relief
Consumer complaint received 11-01-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (NM).
Issue: Trouble during payment process

Complaint: I was with XXXX for about 16 months and the sold my loan to XXXX XXXX, XXXX. XXXX told Specialized that I was 2 months late. When I contacted XXXX they sent me a 2 year pymnt. history. It shows no late payments, and all was made. They informed me it was not there problem since they sold the loan. I then called Specialized where they are not getting it fixed. They told me to wait till mid XXXX but they have my house in foreclosure statues. I have prove that all payments were made.

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 05-12-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Deposits and withdrawals

Complaint: Chase Consumer Banking ( Chase ) XXXX XXXX XXXX XXXX XXXX, CO XXXX where we have had a business checking account for the past 20 years and regularly make monthly deposits has refused to honor and pay for a deposit made XXXX XXXX, 2015. We have a list of checks from clients deposited on that date along with a deposit Transaction Summary issued by Chase showing the Account Number and that a checking deposit was made in the amount of {$2300.00}. This problem was discovered some time later when a bank statement was received in XXXX 2015. We contacted Chase, informed them of the problem and presented the above information to them. They, we assume, did some analysis and later informed us that they do not know what happen to the checks in the deposit on that day and that they would need to move the issue to more senior management. In XXXX of this year we received a letter from the Chase Executive Office, XXXX TX apologizing for the problem, informing us that we had withdrawn the checks after they were deposited and, therefore, there was no deposit made that day. This is completely fiction and false, we were never informed by the local Chase that this happen because it never did. As mentioned above we have made client check deposits each month for the past XXXX years and have never withdrawn a deposit at the time of deposit or anytime thereafter. We continue to call the local Chase and try to get some resolution. They continue to inform us that senior management will be calling us to hopefully resolve the issue. To date the only contact we have had is the above mentioned letter and obviously no deposit money. The issue is now a year old and we need the money to try and continue our business. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XXXX/XXXX/2017, I attempted to have TransUnion startup an investigation into inaccurate and/or incomplete information they are reporting as public record. Rather than investigate my dispute as to who was the Trustee in an alleged bankruptcy case they attempted to give me the run around, and refused to investigate my complaint. I further requested the Court Number which they refused to investigate. When I informed them that I would file a Federal consumer complaint and asked where to file my complaint, they intentionally misguided me telling me to file with the BBB, not the CFPB.

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 11-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recover, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a {$650.00} charge sent to collections in my name from XXXX that I do not owe. I knew nothing of this debt until it showed up on my credit report in XXXX XXXX. I contacted the company -- they apologized and said it would be removed from my credit report, however it is still reporting negativity. I would like this erroneous collections charge removed from my account ASAP. I am trying to buy a home and have been trying to have this removed for months. I have supporting documentation showing I do not, and have not ever owed this collections charge.

Company response to consumer: Untimely response
Consumer complaint received 02-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (OR).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: XXXX has my secured info and has account open I my name I did not approve but XXXX wo n't verify me to discuss stunt but send account to collection I live in XXXX Oregon it is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Afni collection for XXXX. I did not open an account last year. Someone used my name.

Company response to consumer: Closed with explanation