milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-11-2015 about Mortgage (FHA mortgage) with MORTGAGE CLEARING CORPORATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I have a Mortgage with Mortgage Clearing Corp. Our current issue is XX/XX/XXXX, we called them to see if there were any programs that had that would be available to use due to financial hardship. Our mortgage at the time was {$1800.00} ; this was extremely high for us. This amount was about XXXX % of our net income, which is against the law, according to the law ; rental payments should not exceed XXXX % of your net income. 
At that time I spoke with a XXXX and then the XXXX of the company. And we were told to start paying {$1200.00} monthly ; this would be a loan modification. That was great for us. We never received any formal documentation regarding the modification, but we continued paying the {$1200.00} as we were told by Mortgage Clearing Corp. 
We then filed a Chapter XXXX Bankruptcy due to financial hardship. Now, we receive word that our Mortgage will be {$2500.00} starting in XX/XX/XXXX. 
We were also told by our Bankruptcy Attorney that we are behind on our Mortgage due to only paying the Principal and Interest, and that the taxes were not included in our payment. Due to a lack of funds available for Property Taxes. We did make all scheduled payments for our Bankruptcy Plan and we thought we could move forward to financial stability. 
Now, because we were paying the wrong Mortgage amount and subsequently are behind on our mortgage, our Bankruptcy can not be discharged. 
We have been paying {$1200.00} since XX/XX/XXXX and have never received any type of correspondence from Mortgage Clearing stating we were behind on our Payments. Had we received anything we would have made the correct payments. 
We simply can not afford to pay $ XXXX monthly at this time. I am a XXXX XXXX XXXX and my wife is currently receiving Unemployment Benefits due to her being laid off from her job. 
We are just looking to be treated fairly and the Business Practices of Mortgage Clearing Corp are unethical and borderline illegal. 
We are hoping that someone can assist us with dealing with Mortgage Clearing Corp in a professional manner, and receiving a more manageable mortgage payment. 
Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 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 manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Student loan (Non-federal student loan) with SLM CORPORATION (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: When I applied for a Sallie Mae loan I was given three different repayment periods : 10 years, 15 years and 30 years. The repayment period dictated how long I had to repay and in addition affected my interest rate. When I originally applied for my loan, I selected the option for a 30-year repayment term for lower monthly payments, in exchange for a higher interest rate. However once I entered repayment, my interest rate was still for a 30 year loan, but my " estimated payoff date '' is ten years from my " repayment start date ''. As a result, my payments are calculated based on 30-year repayment period interest rates and a 10-year repayment period. There is no way ( to my knowledge, or under my own investigation ) to change my " repayment start date '' nor when I requested a promissory note or reviewing my own documents there was any indication of how long my loan repayment period is. When I asked Customer Service for this information, they could not provide it to me either. So, the basis of my complaint is that my payments are much higher than they should be and that I have paid much more in interest because my payments are calculated using 30-year repayment term interest rates in a 10-year repayment term.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Debt collection (I do not know) with ACE CASH EXPRESS, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hi, I was checking my Experian credit report tonight and noticed a collection account as shown as follows : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : ACE CASH EXPRESS Address Identification Number : XXXX Status : Collection account. {$1200.00} past due as of XXXX 2015. 

Date Opened : XXXX Date of Status : XXXX Reported Since : XXXX Last Reported Date : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit : {$760.00} High Balance : N/A Recent Balance : {$1200.00} Recent Payment : {$0.00} I would like to claim wisleblower status as I believe that this collection agency and/or collection company is possiblity making up fake collections in order to defraud me and possibly other individuals unknown to me at this time. I state that I do not owe Ace Check Cashing, nor have i ever taken out a payday loan with Ace Check Cashing due to no need for XXXX at this time. The weird thing is the credit limit is XXXX dollars which is above a payday loan and the last time i cashed a check at Ace Check Cashing was months ago for like around XXXX dollars, I have a great record with that company Ace Check Cashing in XXXX, FL. In closing, it seems to be some sort of debt collection companies creating false accounts or something to like bill myself and possibly other XXXX Citizen/Nationals. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Account opening, closing, or management

Complaint: My grandmother opened a cc account with Bank of America. I was added as an authorized user. The next day they put a fraud alert on the account. We both went into the bank on XXXX and they advised us that the alert was taken off. XXXX the alert was placed back on the card so again, I had to drag my grandmother back to bank and again they told us it was removed. I call the bank on XXXX and they refuse to speak to us or give any information besides telling us to go into a branch again. The card is needed to help pay for home repairs that have already been started on and now we have no means to pay bc the card access is on hold. I do think it is due to discrimination bc of my grandmothers age even though she has no medical issues and is in her right mind & has answered all questions they have asked.

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 06/14/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Delinquent account

Complaint: I originally had a credit card with them and paying around {$230.00} a month. I had sent XXXX check XX/XX/2012 and was told that neither were received. When checking my bank statement to verify if that were the case I noticed they were deducting {$650.00} a month for a life insurance policy. I never agreed to nor signed any type of documents for a policy or authorizing {$650.00} to be drafted from my account. I requested proof of the authorization or even a signed document for this policy and they indicated they did not have to provide because there were Bank of America. I then obtained an attorney to get this resolved. I refused to pay anything else to Bank of America until they provided me evidence of the life insurance policy and authorizing payments to be drafted from my account. The total amount they drafted for that bogus policy was {$6500.00} however, I agreed to not sue for the balance if they would settled the credit card for {$1200.00} and release any and all claims or is successors against me. My attorney has been trying to get them to respond and to date they still have not.

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 EQUIFAX, INC. (GA).
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: this account was included in my affidavit mailed to the credit reporting agency as well as the debt collector. XXXX has refused to respond to my request and continues to report identity theft information to Equifax, Equifax has reported that an investigation has been done but has not mailed me any documents to prove that with dates or phone number and contact information. I am asking that that CFPB require Equifax to complete its investigation with XXXX XXXXt XXXX accordingly thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (FL).
Issue: Money was not available when promised

Complaint: My name is XXXX XXXX. I made a same day {$9000.00} wire deposit transfer from my regions account with address as follows : XXXX XXXX XXXX XXXX, XXXX, FL XXXX ; to my coinbase account who as a company uses XXXX XXXX XXXX. The recipients address is as follows : XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX. 
The recipient bank address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The company is not responding to queries and the recipient bank is not being helpful. 

This money has yet to appear and it is Tuesday the XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Recently reviewed my credit report an observed a collection account for the amount of {$200.00} from ERC in regards to a XXXX account. Contacted ERC and they stated that I owed a balance of {$200.00} for a past account. Informed ERC that I cancelled XXXX service in XXXX and ported my phone number to XXXX XXXX with my husband. My balance was paid in full and the last statement I from XXXX was a XXXX balance. 
Informed ERC that I am a current XXXX customer and began service with XXXX again in XXXX XXXX. My account is current a payment was submitted to XXXX on XXXX/XXXX/XXXX for the amount of {$180.00}. 
Also informed ERC that XXXX never sent a notice for payment of {$200.00}. Disputed the validity of the account with ERC and requested documentation of charges. ERC has failed to provide any documentation regarding account as of XXXX/XXXX/XXXX. 
I have contacted XXXX and they have no knowledge of a past due account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, 2016, I checked my credit report and all my inquires were deleted from my credit report. I filed a complete with cfpb and the issues was resolved. All of the inquiries that were previously on my credit report has been deleted. However, the inquiries on my Equifax and XXXX are incorrect and needs to reflect the same as my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I tried to get my free annual credit report from XXXX but it never verifies my information. None of the questions they ask pertain to me. None of the information is mine and it doesnt matches anything. I need my XXXX, experian and XXXX updated reports.

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 04/14/2015 about Debt collection (Credit card) with Servatus Corporation (WA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: For several weeks a debt collector has been contacting my work and when told I am not available he asks to speak with my boss. I contacted this debt collector on XXXX/XXXX/XX/XX/2015 to discuss debt repayment options and told him to stop contacting my work as that is illegal. He told me that I had to fax a paper stating i do not want contacted at work. I also told him i am not allowed personal calls at work and if he contacts me in the evening I would answer his calls. The very next morning on XXXX/XXXX/XX/XX/2015 he contacted my work again. The office manager told him to quit calling work that this is illegal and hung up on him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Product : American express Premier Rewards Gold card Date Opened : XX/XX/XXXX Promotional offer : XXXX Membership Rewards points after {$2000.00} in spending within the first 3 months. 
Date Spending completed : XX/XX/XXXX. 
Online chat with American Express Chat Rep " XXXX '' and " XXXX '' XX/XX/XXXX after points not credited. Confirmed offer was applied to this application and account. Was told investigation would be opened with maximum of 8 weeks for resolution. {$10.00} credit for inconvenience was offered and accepted, however was not credited. 
After 8 weeks, points still not credited. 
Online chat with " XXXX '' and " XXXX '' XX/XX/XXXX. Per this conversation investigation is still ongoing with no date of resolution. {$10.00} credit still not applied. Uses phrases such as " no comment '' and " can not provide further information. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-08-2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: AMSHER COLLECTION SERVICES ARE IN VIOLATION OF THE FDCPA RULES AND REGULATIONS BECAUSE THEY CONTINUE TO REPORT A FRAUDULENT ACCOUNT ON MY CREDIT REPORT THAT I HAVE KNOW KNOWLEDGE OF, AND ALSO I HAVE NO TYPE OF AGREEMENT WITH THEM WHATSOEVER. THEY ALSO ARE CALLING AND HARASSING ME EVERYDAY ON A FRADULENT ACCOUNT THAT RESULTED FROM IDENTITY THEFT IN THE PAST.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (KS).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company sold my loan to PNC mortgage in XX/XX/XXXX. My original contract which was signed when I purchased my home states I will agree to carry flood insurance to cover the outstanding balance of my loan for the life of my loan. When my mortgage was sold to PNC Mortgage they told me this was not sufficient and I would need to increase my coverage to include the replacement value of my property or they would purchase it for me. I feel PNC mortgage has changed the original agreement of my loan after purchasing it from United Wholesale Mortgage. I sent them a letter explaining the situation but they continue to send me responses that I need to increase my flood insurance coverage. At one point PNC mortgage 's insurance department insisted I had only {$60000.00} worth of coverage and would need {$180000.00} worth of coverage when my insurance company sent them several documents reporting my coverage at {$110000.00} which is the amount which I have always had for coverage since the purchase of the property in XX/XX/XXXX. I feel this may be due to a kickback situation.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: Personal checks. Money Order vs. Certified Check. Which one has more protection? Certified Check? WRONG!!! I purchased a certified check in the amount of {$2400.00} which cost {$8.00}. We purchase certified checks as a way of the insuring the transference of funds between XXXX entities. I made the grave mistake of trusting the USPS to deliver the check without certifying it first. I simply addressed an envelope, inserted the check, and mailed it. I assumed the check would reach its intended destination within XXXX3 business days. Needless to say the check was lost in the mail. I called TD Bank to stop payment on the check. I even had the lawyer the check was intended for on the phone when I called the bank supervisor. I was shocked to find out that they do not stop payment on certified checks until 90 days after the initial check certification. The lawyer I owed us now in the process of suing me on behalf of the doctors I initially owed and I do n't know what to do. I do n't understand how certifying the check ( for {$8.00} ) really protected me. A money order would 've been able to be stopped however money orders can not exceed {$1000.00}. I would 've had to buy XXXX money orders at {$3.00} each ( $ XXXX $ XXXX $ XXXX {$2400.00} ). I was under the assumption that a bank check had more protection than a money order or personal check. Well, I was mistaken because anything other than a certified check can be stopped immediately without a XXXX waiting period. I am now trying to do everything in my power to get my money back but TD Bank will not budge. At first, the branch manager said he would stop payment. He emailed me a Declaration of Loss form which I signed, notarized, and returned. After he submitted it to his supervisors, he called and said that bank policy states that I must wait 90 days to declare the check lost. Even after I declare the check lost, I still have to wait until the bank completes an investigation before they release my my back to me. The irony is that the bank has the money in their possession as I am telling them that the certified check was lost. They would rather play a wait and see game than reverse the check. I do n't get it at all. They tell me that this is the policy at every bank, but I do n't think that is true. Is it?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
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: EXPERIAN AND XXXX FAILED TO ANSWER DISPUTE WITHIN 30DAYS AND ARE STILL REPORTING XXXX XXXX XXXX ACCOUNT NO.XXXX ANDXXXX AND XXXX. THESE ACCOUNT ARE CLOSED AND INCLUDED IN BANKRUPTCY CHAPTER XXXX CASE NOXXXX. 

AND XXXX XXXX LOAN NO. XXXX DISPUTED UNDER THE FAIR CREDIT BILLING ACT. 

ALSO, INCLUDED IN BANKRUPTCY

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 01/25/2017 about Credit card () with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Transaction issue

Complaint: I was moving and made a purchase of XXXX for a bed at XXXX online with my citizens bank visa credit card on XX/XX/XXXX canceled transaction on XX/XX/XXXX closed bank account on XX/XX/XXXX and I was told that if the refund was rejected because of a closed account then a check will be issued I did not receive anything so I called again and again and they kept telling me that it was refunded and when I called citizens bank they said they did n't I finally went into a citizens bank and they said that the account is still closed and the refund was not issued I had a bank representative call with me and XXXX said they will issue a refund and I received an email on XX/XX/XXXX stating that a refund was issued and I should contact citizens so I went back to bank and called again and got a response from XXXX that a full refund was issued and contact bank

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX the XXXX XXXX XXXX XXXX Office of Finance sent to me a notice claiming that I owed a business tax on income generated in XXXX and XXXX. This is impossible, as I was involved in a tax-exempt activity ( creative writing ) recognized by the XXXX of XXXX XXXX as a tax-exempt activity. I also qualified for the small business exemption, though I never had a business. Furthermore, I was exempt in that I never generated enough income to qualify for the business tax. Since this time, the XXXX of XXXX XXXX has sent this erroneous debt to several debt collection companies, all of whom have been unable to verify the debt, and have dropped it. Yet the collection companies keep coming after me. Municipal Services Bureau ( MSB ) viciously harassed me and tried to force payment on this erroneous debt back in XXXX XXXX. After addressing the matter with my attorney they dropped the debt. Now they are coming after me again. They have sent to me a bill from the XXXX of XXXX XXXX and claimed that this is verification. An erroneous bill is not verification of a debt. There is no debt. To state it clearly, NO TAX WAS EVER OWED, AS I QUALIFIED FOR XXXX DISTINCT EXEMPTIONS. Collecting on this debt is an act of fraud, negligence and incompetence on the part of collectors and the XXXX XXXX XXXX XXXX Office of Finance. Municipal Services Bureau is engaging in debt collection harassment. I strongly suggest that the FTC investigate MSB and the XXXX XXXX XXXX XXXX Office of Finance. I will never pay this erroneous debt.

Company response to consumer: Closed with explanation