milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (PA).
Issue: Problem with the payoff process at the end of the loan

Complaint: Hi I had a Heloc with Wells Fargo & called on XX/XX/XXXX to ask for my pay off amount.They said it was XXXX plus XXXX a day after that.I went to their branch on XXXX XXXX in XXXX, Pa with a certified check for XXXX at XXXX XXXX est.The branch took my money & said the loan was paid off & closed.I went online the next day & it showed as a pending payment.I called Wells Fargo & said why is my loan still showing up online with a credit of XXXX, they said it takes a couple days & the branch did not ask me to sign a document that had to be signed.I called on XX/XX/XXXX & said how would I be getting my credit for XXXX & they said I would not be getting it back due to county fees.Why did they not tell me about these county fees when I asked for the payoff amount? Now I have to go back to the branch tomorrow in 0 degree weather because they dont know how to close out a loan.Also they said I would be credited the XXXX but on the phone call today XX/XX/XXXX they said nothing would be credited.I have been a loyal customer to this bank for 12 plus years & they are going to lose my mortgage, checking & savings account if they dont make this right.Thank you.Bottom line, I want my credit & a apology from management on this nightmare.

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 06/17/2015 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (AK).
Issue: Managing the loan or lease

Complaint: I have a car loan with Prestige Financial. They are a predatory lender and I believe they have been involved with criminal activity by defrauding me for the past XXXX years while I was making my loan payments. For XXXX years I have paid my loan and not XXXX has went to the principle. They have charged me so many fees that its impossible to pay off the loan. I have stopped making my payments and informed them that all communication will be done in writing which they do n't want to do. I will not talk to them on the phone because they lie and like to twist the truth so I want all communication to be done in writing so i have a record of what is said, which they do n't want at all. I told them I want to go to court to let a judge decide what is fair. They have called and continue to call my family, friends and my Jb. My job has let me know that they are harassing them and calling them numerous times a day. I have been in contact with prestige and demanded them to stop contacting my employer but they still do n't, and they keep calling them to strong arm me into a solution to benefit only them like the XXXX would do or a criminal organization. This is a strong arm attempt trying to force something on to me which I believe is illegal and not fair. I have explained to them that they can contact me any time by email, text or mail. They send them threating text 's all the time and I told them to file court papers because I am ready to go to court. They have also called my son and told him they will have him arrested which is completely against the law and they are lying to him to scare him. Because they are a predatory lender they do n't want to go to court and face a judge they just want to continue to harass me when I have made it clear I want to go to court. I believe they are in violation of the law to continue to contact my employer which could get me to lose my job and to harass my friends and family when they can get a hold of me, but they choose not to do it in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have been a Bank of America credit card customer since the late XX/XX/XXXX. Until recently their service has been excellent, but this XX/XX/XXXX I had my credit card compromised. I was issued a new card by B of A and I destroyed my old one. But evidently, B of A did not close down the old card number, rather they left it active and fraudulent charges made on it rolled over to my new card. Now, this month, THREE MONTHS after the old card was supposedly deactivated by B of A, I have fourteen fraudulent charges show up on my statement from the old card number. After multiple phone calls to the B of A fraud line, I think I have it resolved but it took me five days, with a phone call and long waits on hold each day. I was given three incorrect numbers for the fraud dept. before finally getting the correct number. Even with that, I usually end up with a customer service person when I call it, rather than the fraud dept. and so get transferred and have to wait again and again. I have talked to no less than a dozen people while trying to remove the fraudulent charges. If this is happening to others, I wonder if B of A is scamming the cash flow by leaving charges on statements, then dragging their feet when resolving them for their customers. Or are they just extremely incompetent now? Either way, I am considering closing my account and getting a card through another bank. Very inconvenient and stressful, a big waste of time for me, the 'valued customer '.

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 monetary relief
Consumer complaint received 03-08-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX allowed someone other then myself to open an account under my name before verifying if the person opening the account was actually who they said. 
XXXX did nothing to prevent this action, and failed to notify of the issue to me at any given moment, they did not notify me of the second account under my name in XXXX, texas.

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 07/30/2015 about Prepaid card (General purpose card) with PAYPAL HOLDINGS INC. (NY).
Issue: Managing, opening, or closing account

Complaint: Paypal took action to close my account but refuse to refund my money back to me. I 've waited for weeks after my account was closed but they 've still not sent my refund. I do n't understand why they 'll close my account for no reason whatsoever and then refuse to give me the money in the same account they closed.

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 06-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Citibank refuses to give me my Rewards benefits earned from the charges they expect me to pay even though i cancelled my card.
<P/>
Rewards benefits are not calculated by citibank until one or two billing cycles after the charges are incurred -- so it 's impossible for a consumer to ever cancel and be current on the rewards. citibank online chat says, in effect, " tough luck, our policy is to keep all the rewards after you cancel. ''

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 01/20/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I lost my job in XXXX ( XX/XX/XXXX ). On XX/XX/XXXX, I sent a letter to Sallie Mae stating I was unemployed, and was seeking employment. I stated that I had no income and was forced to move back in with my mother ( at her house ). I could not afford the {$50.00} payment they were demanding I make just to defer my loan. I stated that as soon as I would gain employment, I would contact them. They have refused to deal with me and refuse to accept my situation. They do not seem to understand that I have no money and no income. 
I have applied for several jobs but am still waiting to hear back. I have also applied at XXXX Universities ( XXXX departments ) in order to return to full time classes XXXX and resume my graduate studies. 
I have done all I can do for now and as I stated I have no money and no income. Sallie Mae just refuses to listen or to deal with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Mortgage (Conventional home mortgage) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Trouble during payment process

Complaint: This is an addition/amendment to my original compliant # XXXX, submitted XXXX/XXXX/17, which highlighted BBVA Compass refusal to provide me a refund of my escrow money due to me from a XXXX XXXX, 2017 house loan closing.
The original check was been returned to them, with receipt of delivery showing XXXX/XXXX/2017. BBVA claims to have sent the check to my correct address, although the US Post Office disputes this claim.
Regardless, in pursuit to just have my money returned to me, I sent an affidavit into BBVA on XXXX/XXXX/2017 at XXXX XXXX, as the customer service representative claimed would expedite my refund due to an escalation case number XXXX. She stated that my issue would be expedited and a new check would be sent to me within 10 days.
On XXXX/XXXX/2017, ten days after the email was sent to BBVA compass and in excess of their own stated actioning timeline, I called BBVA customer service to get the status of my money owed to me. The customer service rep said no action has been taken and the " back office '' is holding up any action. My only logical conclusion is that BBVA is attempting to now penalize me for filing a compliant by refusing to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX, Bank of America confirmed with me a Cease and Desist Collections tag and code had been placed on my mortgage account. Since receipt of this confirmation, the Cease and Desist Collections tag and code was removed. My home loan mortgage account is now in active foreclosure with a Notice of Default and Election to Sell with California Declaration, a XXXX page document, has been recorded along with a separate document, a Substitution of Trustee on XX/XX/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 03/28/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (KY).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage through Wells Fargo, which was a refinance in XXXX, and they modified my loan in XXXX, when I lost my job. I was current on my mortgage and remarried in XXXX. I moved to my husband 's home and we continued to pay XXXX mortgages, and attempted to do farming on the XXXX acre XXXX. We realized we could n't keep that up indefinably, so we went through a Realtor and sold it on contract at her suggestion. He stopped paying after about 6 months, so I removed him and rented it to someone else, who did the same thing. XXXX of these people trashed the place. I evicted the tenant, and since I have been unable to pay the mortgage, as we moved out of state, I have been trying to sell it on a short sale. We had XXXX decent offer, which came in at XXXX what I owed, and was refused. The appraisal they did on the property was a drive-by and did n't include any interior damage to the property. It came in at about what was owed on the property. My Realtor was disgusted and basically dropped the home after 6 months. I tried to contact my Home Preservation Specialist, but have yet to hear back from her, so I spoke to an associate and said I wanted to do a Deed in Lieu of Foreclosure. My response was the full Foreclosure Suit from the courts of the county the property. The XXXX is listed as XXXX Bank XXXX XXXX, as Trustee for XXXX Mortgage Loan Trust XXXX XXXX, Asset- backed Pass-Through Certificates, XXXX XXXX. What options do I have? I do not occupy the property, it is not worth what they say it is or what I owe on it, and they apparently do n't want to do a Deed in Lieu of Foreclosue. I have XXXX days- well XXXX now, to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I keep seeing different amounts that I supposedly owe on my credit report. I 'm also concerned about the fact that I see the loans reported multiple times on my credit report. I also have no clue who to contact because Navient and Pioneer both are giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Select Portafolio service illegally obtain a corporate asaiment froom XXXX XXXX, XXXX not have the chain of asaiments for that reason I request a teral federal investigation against all. ( 1 ) Select Portafolio service ( 2 ) XXXX ( 3 ) XXXX ( 4 ) XXXX ( 5 ) XXXX XXXX XXXX the chain of asaiments is not complete and the original promesory mortgage note is loss or destroy du to loan been sold on XXXX XXXX .i sendsend letters to senator XXXX XXXX , XXXX XXXX , XXXX at XXXX and the president of united States Barack Obama whit code flag hardship, and alleged owner of the mortgage hire a Law By The name XXXX aka XXXX they ply guilty on felony of mortgage fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Payoff process

Complaint: The payoff process used by USAA breaks the XXXX XXXX credit card XX/XX/XXXX. I made payments to the credit card for XXXX from XXXX time frame and all payments were applied to a balance transfer rate of 1.9 % instead of the 18.15 % interest rate. Anything over the minimum payment is to be applied to the highest interest rate on the account. Furthermore, I went back to previous statements dating back years and discovered USAA charged full monthly interest on purchases even if the purchase balance existed for a 5 days ( for example ). Over a period of years, both of these equate to large quantities of interest being wrongfully charged to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (OH).
Issue: Application, originator, mortgage broker

Complaint: I received an offer letter to purchase a home refinance from Quicken Loans. Knowing that the standard practice is to specify any points required to buy down an interest rate with a specific credit score we allowed XXXX to inquire with the credit bureau. They respond stating that the pre qualified offer letter we received that says we can refinance at 3.5 % with a minimum credit score of XXXX was falsely advertised. A credit score of XXXX would require a purchase of XXXX points whifh the offer letter did not state. We met the LTV and debt to income requirements. 

In short, we were responding to an offer for a specific rate of interest on a refinance with the required minimum score and allowed a hit on our credit file based on the absence of any associated costs in the offer, we assumed standard closing costs etc. This offer leyter was a scam that costs our fragile credit rebuilding challenges a burden we did n't need.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
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: XX/XX/XXXX I submitted a complaint with you in XXXX ; complaint # XXXX,. I received detailed information from you closing the complaint and stating that the item was removed by the collection company, XXXX  XXXX. 
The item is still showing on my Transunion credit report. I spoke to XXXX with XXXX XXXX who stated that they sent information to be removed to all 3 credit reporting services to have the item removed. 
She said to call Transunion, which I did call today ; they told me they did not receive anything from XXXX. 
I called XXXX back, they said they sent it electronically by email to XXXX on theXX/XX/XXXX. 
I need this item removed as soon as possible ; I just keep on talking to Transunion and XXXX with no positive results to have the item removed. 

XXXX XXXX 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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Paid accounts, refinanced student loans shows as " closed accounts '' As I know closed accounts may negatively affect my credit health, so I am fighting to defend my reputation, I want XXXX XXXX, Experian to DELETE all the paid and refinanced accounts to keep my reputation clean because I am serious about taking care of my credit.

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 02/20/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I fell into default on my mortgage when I had to move for a new job and needed housing in a new city. I received a letter from my lender, DiTech, requesting that I contact them to discuss options. I have called five times now at times when they are open for business and each time am sent to the voice mail of a " XXXX. '' I left detailed messages each time along with my phone number and a request that she return my call. I submitted two different email complaints to the company about the non-responsiveness and my need to speak with someone immediately. They did not respond either. I believe that because I have mortgage insurance, they are intentionally avoiding me so that they can foreclose and collect the mortgage insurance and the proceeds from foreclosure. This is not right. They are required to offer me several options to avoid foreclosure but all of these are unavailable to me if they refuse to return my calls. Please help me with this as quickly as possible as the lender will foreclose very soon. The lender is DiTech Financial LLC at XXXX XXXX XXXX in XXXX XXXX, SD XXXX. Their telephone number is XXXX. 

Thank you, XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are XXXX accounts that affecting my credit report ( XXXX- XXXX ) 1-XXXX and 2 ) XXXX both destroy my credit report without reason. 1 ) XXXX the account was n't mine and is already paid by the owner of the account. 2 ) XXXX XXXX XXXX reported my account as deleted and turn my credit report down XXXX more points. I was not aware of because my credit was excellent and I found out when trying to refinance my home and it was denied because information received from the XXXX credit bureaus. On XXXX I do n't owe them any money, it was paid off when I refinance previously and I 've contacted both the store and the bank for more than 7 months and nothing is done but destroy my credit without a reason. I 'm sendind copies of all documentation to this matter. Please help me to solve this problem because I need to refinance my home to pay all debts I have and start clean of debts. I take care of my sister who is suffering from XXXX and I 'm XXXX and this is the only source of survive besides our XXXX checks. COPIES OF ALL RECORDS ATTACHED. Tanking you in advance for you prompt attention to this matter and the help you can give. XXXX XXXX phone 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 12/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: transunion has me with only XXXX account as result of my requesting XXXX credit card ... ..my credit score dropped over XXXX points as result

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: please find attached the letter from XXXX for which they have approved of the delinquency being inaccurate and are willing to remove the negative mark from my reports XXXX and XXXX have already removed except experian, they are not cooperating, please help this inaccuracy to be deleted from experian report 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 07/21/2015 about Debt collection (I do not know) with National Arbitration Forum (AZ).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I 've complained about theses people before. Today at XXXX They left the following message : Hello. This message is intended for??? We 're calling regarding your recent transaction that occurred which involved your bank account. We wanted to make sure you 're aware of this transaction and get your statement before this matter reaches a conclusion and any decision is made. You may contact us at XXXX XXXX XXXX XXXX and reference file number????. We look forward to hearing from you soon.

Company response to consumer: Closed with explanation