milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (GA).
Issue: Deposits and withdrawals

Complaint: I am a new customer at rush card and i cant access my direct deposit. I called and I got through nd was told my money was on the card and when I went to the ATM I could not access my funds. I called back and was told when the system come back up I can get my money but it has been 10 days since the system went down. I have still no been able to get my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 'm filing this complaint against TransUnion because they ignored my request to provide me with the documentations that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA, they are " required to promptly delete all information which can not be verified '', that I have disputed. Please resolve this problem as soon as possible. Thank You!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Debt collection (I do not know) with Firstsource Advantage, LLC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company called First Source Advanced has called my home. I do not know who what is their business purpose. I have never had a business relationship with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANKUNITED, NATIONAL ASSOCIATION (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, I had mortgage with Bank united and now when I call or see online account, it 's no longer there, there is no help at all, they said they sold my mortgage but there is nothing send to me, please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: The deposits that were made for additional principal payments were not fully credited to the principal balance. According to the bank, some of the checks deposited were returned. 
We were never informed of the returned checks. Despite numerous requests to get copies of the returned checks, the bank failed to provide us with copies of the returned checks. Even though our requests were very specific, instead of copies of the returned checks, the bank kept sending us the account transaction history. 
[ The detail description of the issues is attached herewith. ]

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: between XXXX thru XXXX, i was looking to purchase a vehicle and a lot of finance companies reported my credit without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Money was not available when promised

Complaint: ON XX/XX/XXXX I sent money to a friend via PayPal. In the description note, I stated it was for a XXXX trip. PayPal held the transaction for a " governmental review '' and stated it could take up to 72 hours to resolve. However, it is now a WEEK later and my transaction is still pending and no word from PayPal. I have contacted them numerous times to either return the money ( it has already been sent from my bank account to PayPal ), cancel the transaction or put the money through so my friend can send it back. PayPal claims they ca n't do any of it. However, I have researched and noted that other transactions under the same review have come to a close after PayPal contacted the person to explain. No one at PayPal has contacted me and no one can give me a direct answer. This is ridiculous because I have now had to pay an additional {$380.00} to my friend and I am STILL waiting for this to resolve from PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: After getting information at work about fed employee forgiveness plan I sent the required form. After many calls to find status I was told I qualified. I continued to go online at fed loan but account not set up yet. Received letter stating do not send payments to previous lender XXXX as loan was transferred. More attempts to get info from fed loan but account not set up yet. Mean time fed loan sends bill for XXXX dollars. Sent the payment expecting adjustments with next bill. Next statement said I owe XXXX dollars. Called fed loan and was told that was my monthly payment. I had been paying a manageable XXXX dollars a month to XXXX and this was unreasonable. Fed loan said I was paying too little? I was told that if made all of my payments on time All previous payments would count towards my XXXX payments. After phone calls I was told I had to consolidate first. I never signed a contract stating the terms of this loan and want to go to my original loan with XXXX. Is there something I should do?

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Application, originator, mortgage broker

Complaint: I am extremely upset of the way Bank of america has handle my loan. I have submitted all the required documents to be provided a modification. However ; Bank of America keeps asking for documents for a property-XXXX XXXX IL XXXX. This property does not have to do anything with the property I am trying to modify. Which is- XXXX XXXX IL XXXX. Bank of america is prolonging my case making me fall more behind. Bank of America never offer me a settlement either. At this point I dont know what else to do because like I have mention Bank of america keeps asking for documents for a property - XXXX I have explain Bank of america that I only co-sing for my son for the property XXXX. My son is the one who pays the mortgage for that property I am trying to safe my property XXXX. My intentions are to keep my house and to become current with my mortgage once again.

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 06-08-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo committed fraud by stealing money from the elderly. I am XXXX years old, I have a account with Wells Fargo, Acct # XXXX. On Sunday, XXXX XXXX, 2015, the day before XXXX, I purchased food at XXXX XXXX and wrote a check # XXXX in the amount of XXXX}. I also wrote a check on Tuesday, XXXX XXXX, 2015, the day after XXXX, on XXXX XXXX, 2015 I receive a survivors benefit check in the amount of {$XXXX} which post Eastern Standard TIme at XXXX XXXX, XXXX Pacific time. Wells Fargo. On the back of Check # XXXX in the amount of {$75.00} The XXXX stamped it XXXX XXXX, 2015 as being processed, the money was in my account, Wells Fargo fraudulently charged me a service charge of {$35.00}. They also charged me {$35.00} service charge for Check # XXXX in the amount of XXXX. These XXXX checks were covered because my direct deposit from Social Security was in the account. I went to Wells Fargo and spoke to the Manager of the Store, XXXX XXXX, ID XXXX, she took the bank statement along with the XXXX checks and proceeded into her office not asking me to come into her office while she looked at the copies. XXXX minutes later she comes out into the lobby where I waited and broke the privacy act discussing my account with a lobby full of customers. She treated me with no respect and I feel discriminated against me because she saw I was elderly, she failed to ask for my identification. She failed to see on the back of the check the date was stamped XXXX XXXX, 2015 for check number XXXX by The XXXX. It is my opinion Wells Fargo should investigate this store manager, the proof is on the back of the check and she had no right to discriminate me and embarrass me in front of a lobby full of people. I am asking that Wells Fargo refund my money and a apology letter on behalf of their Store Manager, XXXX XXXX she should not work at a bank who judges people by the way they look.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My debt is currently being managed by a credit counseling agency - XXXX XXXX XXXX. My credit card accounts were all negotiated and new payment terms were agreed upon with all of my creditors. XXXX XXXX Credit has continuously accepted payment and has agreed to new payment terms, yet has marked payments late each month for the past year. Each time I attempt to reach out to XXXX XXXX via telephone, I am told that they have no record of my calling, of my credit counseling program, or of the new payment terms. I have exhausted all efforts of attempting to resolve this matter myself and would like for all late payments to be removed from my credit report immediately.

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 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my XXXX. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Credit card () with BARCLAYS BANK DELAWARE (CO).
Issue: Closing/Cancelling account

Complaint: Barclay Card XXXX was XXXX of cards that our family used regularly to accumulate points for travel\ling. You can earn roughly XXXX cents per dollar spend to be used for travel expenses. We saved up to around XXXX points with roughly equal to {$1800.00} to be used to pay for cruise with our XXXX young daughters for the XX/XX/2016. However, the card was closed by Barclay and the points were taken away without any warning. We did not get a chance to redeem our points. We ca n't go on our trip because of this. We called and they said there is no way for us to use the points that we have earned over the years. Closing the account is Barclay own decision but we should get a chance to use the points first. When we filed the complaint, they just showing us the letters again without giving us a chance to redeem our points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-10-2015 about Mortgage (Conventional fixed mortgage) with STONEGATE MORTGAGE CORPORATION (WY).
Issue: Loan servicing, payments, escrow account

Complaint: I wanted to reduce my mortgage by removing pmi. After struggling with moving money from bank to bank, I was able to make another 10 % payment to Stonegate Mortgage. I had put 10 % down on the house and with the 10 % payment, was at least 20 % of original loan. The whole goal was to reduce my mortgage by approx. {$200.00}. Not only has my pmi not been removed, I was told that I had to pay an additional {$110.00} to request a broker document before they remove the pmi or I have to wait years until the loan value is 78 %. They just gave me a bunch of other things to do. The problem is I work 14+ hour days every day ( XXXX hours just driving from XXXX to job ), and am at the limit for bankers bs. They took my money, which I can not invest, I told them the intent was to reduce pmi. Now they want to charge me more money before removing pmi even though I have paid the 20 %.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (NE).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received written notification of the debt when I found the debt on my credit bureau I found that they had reported the account to the credit bureau twice effecting my credit score as well as my wife.

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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: TransUnion and XXXX removed bankruptcy from credit report and then placed it back on credit report. I have requested numerous times to have it permanently removed. By law, the 5 day rule would apply to advise PRIOR to reinstating information previously removed from credit report. Additionally, the listing exceeds 7 years, which is the maximum amount of time allowed to report on 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 08-11-2017 about Debt collection (I do not know) with Jonathan C. Frank & Associates, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Starting on XX/XX/XXXX I began receiving calls from XXXX on multiple phone numbers, both business and personal. On XX/XX/XXXX at XXXX I answered the call and was informed it was the notifcation department informing me that legal action is being taken against me and to call XXXX for more information. The caller provided a reference number XXXX. Upon calling XXXX, I was routed to XXXX XXXX who would not provide me with any information about the reasons I was being called, just informed me that I would be receiving a certified letter in the mail explaining the lawsuit, since I refused to provide any personal information such as SS # and/or date of birth over the telephone to a company who has not contacted me via USPS regarding any debts thus far. I informed XXXX XXXX that I was requesting no further contact via telephone at my place of employment, to which XXXX XXXX started to heckle me asking me if that made me feel better since it does n't matter, they 're already going to sue me.

Company response to consumer: Untimely response
Consumer complaint received 09/18/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (VA).
Issue: Account opening, closing, or management

Complaint: In early XXXX Wells Fargo Bank issued a credit card in my name to an unknown person at an address XXXX despite fact that my official address on the record is XXXX. A discussion withe an agent assured me the card had been identified as bogus but not yet closed and I had not been informed. I subsequently received a letter from Wells fargo which said " your card has been closed ''. Also received a zero balance statement which seemed to legitimized the card. I called and spoke with XXXX XXXX a supervisor who told me this is standard procedure. I told her I wanted a letter with the correct details.

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 05-05-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MN).
Issue: Trouble during payment process

Complaint: DITECH company has failed to pay my property taxes. However the mortgage statement showed that they used my escrow funds to wire the payment on  XXXX . I call ed  XXXX  times and sent them  XXXX  letters. They have given me  XXXX  different and contradictory re asons why the payment has not been posted by  XXXX   XXXX  property taxes. I had to paid the first half payment.      DITECH  also told me that my insurance company had billed them for homeowners insurance. This is a lied and my insurance company faxed them proof an dpayment of my home owner 's insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Struggling to pay mortgage

Complaint: Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). We are happy to provide any requested additional documents to complete this client 's loan modification review. It is improper, however, for you to deny this application based on a determination that the application is incomplete. The lender is stating the application submitted for the review is not correct according to FHA required form - I have attached the application, which is the same as what is being requested for this review and has already been provided.

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 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have recently obtained a copy of my credit file and there are many unverified inquiries in my report. These inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. XXXX : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Mortgage (Conventional home mortgage) with CARDINAL FINANCIAL COMPANY (MN).
Issue: Trouble during payment process

Complaint: I received a letter today from my mortgage company, Cardinal Financial Company, telling me that " their records show my homeowners insurance expired, and we do not have evidence that you have obtained new coverage ''. This is total XXXX XXXX. My coverage has renewed as expiring. There is absolutely no reason for them to have any " records '' that show my coverage expired. This is called " forced placement insurance '' and its one of the biggest scams in the U.S. financial industry. Tell these XXXX to do their jobs and get my insurance information from my insurance company or my agent. And please investigate and sue the XXXX out of all of the mortgage company criminals and end forced placement insurance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Debt collection (I do not know) with Platinum Holdings Group, LLC (IL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Caller, XXXX XXXX, left message with a threatening tone for XXXX. He suggested we have our attorney return his call. My husband returned his call and informed XXXX that he divorced XXXX more than 15 years ago. My husband also requested XXXX to stop calling us. XXXX was relentless and said since XXXX and my husband have kids together, he should tell the kids to inform their mother to get back to him. The conversation escalated to the point where my husband asked XXXX, " Are you threatening me? I know several policeman who can deal with you ''! - to which XXXX quickly hung up.

Company response to consumer: Closed with explanation