milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (CA).
Issue: Closing on a mortgage

Complaint: This loan services fraudulently and keep my escrow refund for almost 4 months now, for {$910.00}, and they removed the {$94.00} out of my total escrow refund, since 4 months, they told me, that they will overnight it, and until now I did not received it, they should increase the money Im inspecting, there Cash department, had some fraudulently practices as well and they never do there jobs, this institution should be investigated, they are using my money, and fraudulently hold my escow refund, there supervisors did there part, but the manager did not do any action of this matter, they never called, me I Know that you are helping a lot of consumer, and I hope that they will be investigated, for fraud practices, delaying the refund, then used to there account. For four months i spoke to ID XXXX, XXXX, XXXX, XXXX, XXXX, and the answered are all the same overnight, and its four months now, I never received the escrow refund, and, there practices is hold my refunds, and used and invest to there other 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 explanation
Consumer complaint received 10-01-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I was approved for Mortgage Modification by Nationstar Mortgage. This approval allowed me to seek a short sale or possibly pursue deed in lieu. I then found a buyer for the short sale. The short sale was eventually approved and we were moving towards an appraisal and requesting a title. That process took 10 months and literally dozens of emails, phone calls, attachments, etc. I went through XXXX realtors just to make it happen. Then I got this message from the bank : " There is a sale date on XXXX/XXXX/2015. The inspection is set for XXXX. there is no way to postpone the sale date so we will remove this file due to not having sufficient time to complete the short sale. 
The short sale transaction on property located at XXXX XXXX XXXX XXXX, XXXX TX XXXX has been cancelled by the seller. " In other words I believe that they stalled this process long enough to where they eventually had to approve the short sale, only to schedule the foreclosure auction before they allowed it to go through. I truly do not believe they ever had any intention of allowing Loan Modification ( required by the Dodd-Frank law ) to take place. I have multiple witnesses and dozens of emails which reveal either their ineptitude or their intention to deceive me through this process. As a result my house is being foreclosed on and I am being left out in the cold for 7 years of bad finance, despite the fact that I qualify for government relief.

Company response to consumer: Closed
Consumer complaint received 12/17/2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Asked me my personal information birth date ... But before told me the wrong birth date asked me to confirm. I explained i was not comfortable giving my personal information over the phone and told them that was not the correct information they continued to ask me how i knew and i refused to give any more of my information over the phone they needed to send me a written letter. Amcol i  believe was the name who also threatened me with a letter to place a judgemwnt on me for XXXX which i did pay.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Other financial service (Debt settlement) with GLOBAL CLIENT SOLUTIONS, LLC (MI).
Issue: Fraud or scam

Complaint: I was in debt trouble at the beginning of 2014. I contacted XXXX XXXX XXXX for help. They sounded very promising. They had me stop paying the bills and let them go to collection. While doing this they had me paying Global Client Solutions XXXX to store the money which they would use to negotiate down the road once a certain amount of money was built up. During this whole time you were able to cancel at no time and get all your money back except for the opening account charge.On XXXX/XXXX/14 I decided to cancel as I had money to start paying and get back on track. When doing so this Global Client Solutions XXXX was to refund XXXX to me. They claimed to send the check and even sent a picture of a check they claimed to have sent, but never came. Once I tried investigating what to do or get the check re sent they would hang up on me every time I called after giving the account number. I just do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (WV).
Issue: Problems when you are unable to pay

Complaint: I have an account through BBT and I also have a vehicle loan. On XXXX/XXXX/2016 my husband was hurt at work and has been unable to work since so after talking to BBT we decided to do a voluntary repossession on our truck that we was paying XXXX a month for because we knew that we couldnt pay it with him not working and we didnt want to get behind. When we took the truck back to the BBT location XXXX of their employees told me that they would sale the truck and if there was still an amount owed they would set up a payment plan with me. After that day we had recieved nothing from BBT about our truck being sold. Today XXXX we went to get groceries and our cards wouldnt work so we went over to the same office where they tell us that the collections dept. had froze our account and zeroed it out leaving us with no money which was around XXXX. The guy we had dealt with before said he had never seen them do that and he tried calling around for us but didnt get anywhere. I called and spoke with a collections manager with BBT and she told me that it is standard procedure to take what is owed to them and that it was in the papers that we first signed when we got an account with them even though that has been many years back that we started up an account. What I dont understand is that we have been loyal customers with BBT for years before getting this truck loan and we have never overdrafted or had any problems with them and we have never been late on our vehicle loan either. We didnt get any information saying that we still owed on the loan, they just took every bit of money that we have instead of trying to work with us and do a payment plan. We could have just kept the truck not payed the payment and a couple months from now they would of repossessed it but instead we tried working with them and they done this too us, leaving us with a balance of XXXX in the bank and no cash

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 05-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have  had an American Express cr edit card for a while ( sin ce  XX/XX/XXXX  ). I  have  XXXX  types of accounts with AmEX.  XXXX  that is paid in full at the end of the cycle and  XXXX  that is a revolving account that they call, " Pay  Over Time. ''  On occasion, AmEX will ask for a payment prior to the due date because they feel you may be exceeding an algorithm limit. In the past, I have paid this amount and payment has been credited to the amount paid-in-full ( not the revolving account ).     On   XX/XX/XXXX , A  mEX requested I pay {$2600.00} as I had reached some limit. I paid the requ ested amount. At the end of the month when my pay-in-full was due, the amount AmEX said I owed them differed from the tallied amount. I call many time  (   > 4  times  )  to try to find out what the problem was, and, each time I was passed to a minimum o f four ( yes, 4 ) ag ents who could not help me. I called the last week in   XX/XX/XXXX  to find see if I c ould get to the bottom of the problem and found out AmEX credited the {$2600.00} payment to the " Pa y Over Time ''  account. This had never happened before. They refused to move the payment over to the pay-in-full account and expect me to fork over this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit card () with CITIBANK, N.A. (WI).
Issue: Transaction issue

Complaint: I made a payment to CITI XXXX Credit Card on XXXX XXXX, 2016 using a CITI prepaid Debit Card issued to us from a furnace/air conditioning install. The payment was made over the phone with a representative from CITI Simplicity and I was given a conformation number to complete the call. I never say the payment post to my account so I called CITI back and they said there was no record of a payment being made on the XXXX of XXXX. I then spoke to several departments only to get the same answer that this never took place. I then filed a dispute with CITI XXXX XXXX and also called the CITI rebate card company and they immediately confirmed that the payment had been made and received on XXXX XXXX by CITI Credit Card on that date. We then had them email us proof of this transaction and sent it to CITI XXXX to go forward with the dispute. I received an email showing a few days later that my card balance was at XXXX {$.00} as this payment was for the remaining balance on the card and thought that the dispute had been resolved. Then yesterday on XXXX XXXX I received the email stating the dispute had been denied and the {$370.00} was put back onto my balance owed on the CITI XXXX XXXX. We Then called yesterday the XXXX of XXXX to have them re-open the dispute and I re-faxed the same proof along with a letter of explanation about the dispute to the Dispute Fax number for CITI XXXX and also mailed a copy to the Presidential office in South Dakota. Then after speaking with our furnace installer because CITI XXXX was not helping even after numerous attempts to resolve the matter I am contacting you to help in this case. I am not sure what else to do as this payment was made, it was received and our Rebate Card with CITI is at a {$0.00} balance so the money was received. Please help us.

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 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: All 3 credit report agencies would not allow me access to my credit report ( XXXX XXXX ) on XX/XX/XXXX 2017 because I could not match the " correct '' response to the credit lines opened under my SSN because they are fraudulent. I called the support agencies of all 3 companies and have not option for an actual human agent, and have to cycle through long drawn out automated systems that do not answer my concerns appropriately and place a burden on me that it not realistic in-terms of time and lost wages in opportunity cost. I would like this resolved as soon as possible with an actual person or written steps that will actually solve this issue in a reasonable amount of time. I am not sure why the burden is on the consumer who did nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Bank account or service (Cashing a check without an account) with PNC Bank N.A. (NJ).
Issue: Deposits and withdrawals

Complaint: We operate a small business on the XXXX XXXX XXXX. A number of our employees do not have bank accounts and need to cash their payroll checks. We discovered that they were paying a substantial fee to cash paychecks at a local check cashing business. We advised them to cash their checks at the bank on which they were drawn. We were very surprised PNC charged them a {$10.00} fee per check. These fees amount to a significant percentage of an employee 's paycheck. It does n't seem fair an employee should have to work an hour just to cash their paycheck. The branch manager agreed to waive the fee for our employees given our relationship with the bank. However, I fear many other hardworking people are being subjected to similar predatory fees.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (I do not know) with GC Services Limited Partnership (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Keeps calling my cell phone. No voicemail at first. Some dates : XXXX XXXX ( left msg ), XXXX XXXX pm, XXXX XXXX. Called sounded like she said " XXXX '' and to call XXXX. She was calling about my brother. 

Do n't know who she is or why she is calling. Web lookups show it seems to be a collection agency maybe " Gc Services - Debt Collector ''. Caller id says XXXX XXXX, tx but comapny is in XXXX tx.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Discharged chapter 7 should be removed my credit report. I have written letters and called several times to no avail. I am also asking for all inquiries to be removed for all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: I have been trying unsuccessfully to submit a dispute to the company for inaccurate information on my report. I have been blocked from filing complaints online via the web portal, I have been blocked from filing email complaints, I have filed via US mail and they are ignored. I called the customer service number on XXXX/XXXX/XXXX to speak to someone about my disputes and was told I had not filed any disputes. I asked to file one and hey said in broken English I would have to mail it in with identification. I am going to provide this agency the disputed info and maybe you can get a response from this company. 
I have two accounts that they have listed on my report that I demand be removed as I proved in court were not mine. I will attach a copy of the dismissal from the company, if I am allowed to attach items. In case number XXXX XXXX XXXX XXXX XXXX XXXX i was sued for the alleged debts listed on my credit report XXXX XXXX XXXX, and XXXX XXXX. I was able to defend against these suits and prove that the accounts were not mine. XXXX was forced to dismiss without prejudice the suit. I also received a letter from XXXX XXXX sowing i did not owe the debt. 

I have contacted the company XXXX XXXX XXXX about this alleged debt that is listed on my report and they have no knowledge of me owing this debt now, and are stating they are not reporting it on my report. When i told this to the agent on the phone they said to mail in a dispute. I have disputed this in the past and asked for method of verification and never received a response. 

I notified this agency, XXXX XXXX, and the XXXX via a complaint that these were fraudulent accounts and have not received a response from anyone on these two accounts. I spoke to the store and they admitted to me that there was fraud but claim that they can not do anything about the entries on my credit report. the credit reporting agency refuses to allow a dispute This company goes out of there way to make it impossible for a person who is the victim of theirs to get a resolution to a dispute. They have blocked me from filing disputes, and say its for my own protection that i can not see my credit report, that is of course unless i buy there service then i can see everything online.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Late fee

Complaint: I applied for a Capital One Credit Card online and received it w/ a {$3000.00}. limit. 
This was about XXXX. I wanted to take cash out and the ATM refused. I called and although I verified all the information, they xfered me to the Fraud Dept. because they think I am not who I say I am ( although I am and I have sent them the documents to prove it ). For awhile I was able to use it at stores as credit but then they restricted that. I kept going online to see when the first payment was due and all it said for the longest time was that the account was restricted. Finally it gave a due date of XXXX/XXXX/15 w/ a {$26.00}. minimum payment. I mailed {$50.00} at the end of XXXX but it never showed online. On XXXX XXXX I called and spoke to a man ( I think he said he was a detective but he is n't a very good XXXX ) and asked him why my payment was n't posted. He asked me the same questions over and over and I just wanted to know why my payment was n't posted. Well, he found the payment, posted it but he did n't backdate it and they charged me XXXX in interest and a {$25.00}. P/D fee. I have written them numerous letters and spoke to the Fraud Dept. several times but for some reason they think this is fraud and they have restricted the card and ruined my credit report. I have never denied the card is mine or the charges. I am making my payments on time. I have done everything to clear this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (MA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Called a TD bank rep and they told me that I was not allowed to deposit my own money into an online currency exchange. I demanded they allow me access to my money and they refused

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian is stalling the resolution of the investigation of my complaint against them by asking for more information that was already sent to them in my last credit report dispute - information that they recognized receiving by giving me a dispute number for it.

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 09/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Trans Union is reporting unverified accounts on my credit report. This is in violation of Section 609 of the Fair Credit Reporting Act. which states that all account contracts need to be verified.

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 11-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TX).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: I was recenty approved for the XXXX XXXX Platinum card at a XXXX credit limit. I called in to customer service on XXXX/XXXX/XXXX and spoke with 2 supervisors in the customer care deprtment. The first supervisor advised me to call XXXX directly because they are the ones that push the update to her end. XXXX stated they are only a payment processor which makes sense as all my previous XXXX XXXX upgrades with other banks had discretion. The next supervisor said the option had to appear under offers on the account. So I know typically all thats required of a XXXX XXXX is a XXXX  credit limit, I am well above it and would just like to go ahead and upgrade my card to the XXXX XXXX XXXX  since all requirements have been met and I know for a FACT barclays is sending out the signature version, because someone I know just received their card today.

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 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Identity theft XXXX XXXX XXXX XX/XX/2013 amount XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I recently looked at my credit report ( TransUnion, XXXX and XXXX ) and it indicates that I was 30-59 days late on my XXXX University loans in XX/XX/XXXX / XX/XX/2016. 
I was not late. 
I would like to let it be known that I received the letter attached ( dated XXXX/XXXX/2016 ) from XXXX XXXX ' that clearly displays a quarterly amount due of {$560.00} ( quarterly payment due date : XXXX/XXXX/16 ). 
I would like to let it also be known that I logged in to XXXX, and made a payment of {$560.00} on XXXX/XXXX/2016 - which is the amount that was due, and which is the full amount that was indicated and reflected as due online at that time. My payment history in the last 12 months ( Attachment XXXX ) shows that I have been paying at least this amount every quarter. 
I have not received any written or verbal notification of change in my quarterly amount {$560.00} or my interest rate. I was not aware that a late fee would be assessed or was assessed since this was not reflected on XXXX on XXXX/XXXX/2016 when I made full payment. 
This incorrect record on my credit report has caused severe damage to my financial life, and I would like to request the credit bureau to immediately DELETE this record as it is false.

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 11-09-2015 about Credit card () with AMERICAN EXPRESS COMPANY (ME).
Issue: Closing/Cancelling account

Complaint: AMEX would not/could not cancel my account.

Company response to consumer: Closed with explanation