milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2015 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Deposits and withdrawals

Complaint: BBVA COMPASS CLOSED AND HAS FROZEN MY BUSINESS DEPOSIT ACCOUNT. THE MONEY THAT WAS DEPOSITED INTO THE ACCOUNT WAS DEPOSITED IN CASH IN FOR SEPERATE TRANSACTIONS. BBVA LOCAL TELLER MADE THE MISTAKE BY KEPT DEPOSITING THE MONEY INTO MY PERSONAL ACCOUNTS AND NOT THE BUSINESS. I MADE THE CASH DEPOSIT ON XXXX XXXX, 2015 IN THE AMOUNT OF {$4000.00}. AFTER THE ERROR WAS CAUGHT A MONTH OR SO LATER I WENT INTO THE LOCAL XXXX CA BRANCH TO ALERT THE BANK OF THE ERROR AND THE BRANCH REP TRANSFERRED THE MONEY OVER. NOW BBVA WONT RELEASE THE MONEY TO ME. THE MONEY IS CLIENT MONEY AND DOESNT BELONG TO MYSELF THE MONEY BELONGS TO THE CORPORATION.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed an existing XXXX XXXX account balance with Experian- ref number for Experian XXXX and they refuse to update my account to reflect a XXXX  balance. They have stated that they contacted XXXX XXXX ( account number XXXX ) and that the company verified the account. 

See below .... 

Credit Report dated XXXX XXXX, 2017. Your request was logged as case # XXXX and is now closed. 

We have completed the appropriate updates as a result of our investigation. We strongly recommend reviewing your updated credit report. Should you have additional items or questions, please submit a new dispute referencing your now closed case. 

XXXX XXXX XXXX  account information has been verified with the creditor/ supplier : Our request to disclose the name of the creditor has been declined at this time

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 09/18/2017 about Debt collection (Credit card debt) with Creditors Specialty Service Inc (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Since XX/XX/XXXX, I have received notifications from Creditors SpecialtyService Inc. Due to illness, I did not have the ability to address the debt or communicate with the collector. In XX/XX/XXXX, with my health declining further, I attempt with the help of my sister to resolve the debt. Due to other concerns with finances, my intention was to declare bankruptcy. The only communication ( see call log attached ) with a representative was made in late XX/XX/XXXX, who gave me what I need to do to resolve. All attempts since that phone communication have gone unanswered ( see call log ) and it appears that the company is either no longer in business or my have gone bankrupt. I need to resolve this debt and clear any cloud on title of jointly owned property with my siblings. I am ready to resolve the debt, but have no means to connect with the company to do so.

Company response to consumer: Untimely response
Consumer complaint received 06-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: there is a collection notice on my credit report for {$420.00} for a cable/ cellular service that I do not have any affiliation with. Trying to get this removed from my credit report. I submitted a request through smart credit for this to happen but creditor will not respondThanks in advance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (KS).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I have been in contact with ( XXXX XXXX XXXX ) due to a debt that I do not owe. I have contacted them from XX/17-present for resolution. I have hung up on. Refused managers. Refused validation of debt etc. <P/>This is my second complaint w/CFPB on This same matter. I had never knew nothing about this debt. I have never got a phone call. I had never received anything notifications by mail either. I was not aware of this bill until it showed as a collection debt on my credit report. As of date of service I myself, had insurance. Because of the no identification at hospital. No correct address and the incorrect contact info. I would like this derogatory debt removed from my credit report immediately please. I was refused assistance with resolution just because they could and it did n't hurt them as a company. It only hurts the consumer. Myself. It took the complaint with cfpb to even get an itemized statement. With that itemized statement. XXXX XXXX XXXX agreed to remove debt from my credit report as of XX/XX/XXXX.  This action has still not been done. i have called into XXXX XXXX XXXX on several occasions. I spoke with supervisor " XXXX XXXX on XX/XX/2017 and she advised me that the " trade line deletion was approved and was deleted XXXX XXXX, 17. She refused to send me a letter with that information. I also spoke with XXXX XXXX on XX/XX/17 and he advised me that someone from compliance would be calling me back to follow up on the trade line deletion and the paperwork for verification. I still have not heard any response. I still show the {$790.00} Bill from Creditor : Pendrick capital partners Original creditor XXXX XXXX is still showing from the collection company XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN LOAN SERVICING , LLC IS COMMITING FRAUD BY INCREASING MY MONTHLY MORTGAGE PAYMENT FROM {$1400.00} TO {$5200.00} PER MONTH. I AM BEING ASKED TO PAY THIS PAYMENT ON XXXX/XXXX/15. IF I DO NOT PAY, MY HOME WILL BE FORECLOSED ON. SEE ATTACHED FRAUDULENT ESCROW ANALYSIS. I complained on XXXX/XXXX/15 to XXXX, ID XXXX and XXXX ID XXXX but no result. was promised by XXXX that he would call me in XXXX to XXXX business days but neither him or anyone else from Ocwen has contacted me. He acknowledged that the escrow analysis was incorrect as it reflected disbursements of {$50000.00} instead of {$7800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Other transaction issues

Complaint: I sent a money transfer back in XXXX. The money was never picked up by the receiving party overseas. I called WESTERN UNION they confirmed that the funds were available and that they would send me a check. 4 months later, and about XXXX reps promising me payment, I have still not received my refund from Western Union. Furthermore, the Western Union system no longer recognizes the tracking number ( a number they assigned to my transaction ). So it is as though I never sent money. The tracking number conveniently drops off after XXXX to 60 days after the transaction. So if they drag their feet to refund you, you disappear from their system all together. 

I write that Western Union 's refund policy be investigated, what do they do with " unclaimed money ''? Because they make efforts to claim the money very difficult on the sender. Most of the people using this service do are immigrants and they do not have a voice to communicate and navigate Western Union 's very complicated customer service. Most of my calls were routed to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I asked for a full disclosure from America Servicing Company and they have not answered.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery is the companyI do not even know what this bill is about, I called them and asked them to send me something, and even tried to settle a debt that I am not even sure is mine, but theyrefused. Not They call me all day non stop at least 10 plus times a day!, to the point where they are interfering with my job. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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: I have requested proof of validation on several occasions from the collections company  XXXX  (   XXXX   XXXX   XXXX   ) and also from Equifax and   XXXX   once in  XXXX ,  XXXX ,  XXXX  and  XXXX  of 2017. I asked for the original alleged contract with my true signature and that of a qualified employee with the alleged original creditor. After requesting this information several times they failed to provide me with the proof I am allowed to have by the guidelines. Since they failed to send me the requested proof, I wanted this account to be closed and removed from my credit reports on Equifax and  XXXX . Equifax and   XXXX    have not complied with the law and accurately verified my information as well. I have disputed with   XXXX   credit bureaus three separate times and they have yet to send me any proof of the investigation with this company as well.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit card payment to XXXX on credit report marked late. Not in fact late. Confirmed that XXXX did not report the payment as late. See attached. One credit bureau already removed the entry.

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 06-04-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have filed numerous disputes with the credit bureaus, XXXX, Experian, and XXXX XXXX, and each are coming back with the same stall tactic and not doing anything that is required by law when a consumer requests. I have repeatedly asked for documentation of proof showing that they verified each account, and asked for the person or persons name that they spoke to, and still nothing. Just the same old generic letter.

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 09/30/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: TD Bank XXXX XXXX XXXX XXXX XXXX, NY XXXX On XXXX XXXX, 2017 at around XXXX the teller behind the counter stated the TD Bank branch which she stated was branch # XXXX had no one Hundred dollar bills. I was making a Checking Withdrawal of {$3800.00}. The teller stated her name was XXXX. 
When I requested to speak with a branch manager XXXX and Senior CSR XXXX stated none was available to speak to me. 

It is hard to believe a TD Bank store has no Hundred dollar bills available. 
It is hard to believe a TD Bank store has no Branch Manager available to assist customers.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Mortgage (Conventional fixed mortgage) with BOEING EMPLOYEES CREDIT UNION (WA).
Issue: Settlement process and costs

Complaint: The 3 day wait rule should be at least optional. The way banks are actually using this rule is just to go through the same blur of complex paperwork before telling the purchaser that there are " 3 days of quiet time ''. They treat it like a XXXX purchase waiting period. There is nothing whatsoever that forces them to make sure the purchaser understand the blur of paperwork. It 's great that people have the opportunity to review, but it 's not used in that way whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (OH).
Issue: Account opening, closing, or management

Complaint: I have been a customer at J.P. Morgan Chase for many years. 
I closed some money market accounts I had in trust for clients. I received a letter dated XXXX XXXX, 2016 indicating they have decided to close my personal money market account at the bank. 
They indicated after a recent review of my account they decided to end our relationship. The account has always had a positive balance and I deposited my social security and small pension into the account each month as well as other funds. 
I continue to have a business checking and my trust account for my office with them. I do n't understand how the relationship can be ended without any reason being given. It seems it was up to me to close the account and that they should not be able to close an account without a reason being given to the depositor. I called the number given to me in the letter and I was told that they could not offer a reason and that it was just too bad. Clearly the bank can not do do this without a valid reason.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled personal identification information of myself and millions of others, including names, social security numbers, birth dates, and addresses, putting our credit at risk during the recent security breach. Furthermore, the company discovered the breach on XX/XX/XXXX, waiting more than one month for consumers to be notified. I was potentially affected by the breach, according to their website. The company is further defrauding customers by requiring them to pay for freezes on their credit and advertising a protection service that may require payment in the future, in addition to waiving their legal right to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Bank account or service ((CD) Certificate of deposit) with HUNTINGTON NATIONAL BANK, THE (TX).
Issue: Deposits and withdrawals

Complaint: It has been a difficult task trying to liquidate my mother 's accounts at the XXXX XXXX, PA Huntington Bank location. The personal banker and branch manager were not helpful. It took the financial advisor to arrange a meeting between himself, the branch manager, and myself. The branch manager was not prepared for the meeting and offered excuses for the behavior and lack of attention the personal banker offered. I was able to liquidate a portion of the accounts while in PA, but was faced with additional obstacles once I returned home in Texas. The financial advisor who was assigned to the accounts no longer worked for the bank and his replacement was not knowledgeable to assist and failed to forward me to his superior. Calling the corporate offices did not make a difference. It was when I reached out to the institution 's XXXX account for anyone to take action. Though I have received several calls from various people in the investment department I still have the feeling that the bank is attempting to hold the funds hostage because they would prefer to keep the funds invested in their products. It has been two months since the passing of my mother and we are still attempting to finalize the liquidation process.

Company response to consumer: Closed
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
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: I contacted Experian as they erroneously reported a Chapter  XXXX  Bankruptcy on my credit report. I have tried to have this erroneous information removed for well over 3 years. I have called, emailed, uploaded documents to their website, and sent them numerous certified letters to no avail.

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 04-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Convergent Outsourcing a collection agency is attempting to collect an alleged debt for a cell phone carrier named XXXX. I have requested in writing that this collection agency provides document proof of this alleged debt and has failed to do so, but continues to send harassing letters to collect. They continue listing this alleged debt with XXXX and XXXX credit reporting agencies affecting my credit score.

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 02/13/2016 about Debt collection (Non-federal student loan) with DISCOVER BANK (NH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I had previously spoken to company about a payment, informed them that I was going to have to make the payment late due to pay cycle. Asked not to contact me. Contacted me next day, first day of late payment, told them to cease comm. supervisor assured me of cease com status and that no more calls would be made. 5 months later started receiving 3 calls daily about late payment. answered on third day. In call supervisor informed me that account was in fact notated to not call. 

Do not know how my acct would show up if account is notated with no call notice. 

No cease comm letter was formally written to company, but no respect to consumers wishes were taken after verbal verification of cease comm either.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: A couple years back I attempted to deal with the Fed Loans for the PSLF- I was never able to " gain back '' the XXXX payments that I thought had qualified, but apparently had not. It was especially frustrating as I made financial decisions based on the information the loan companies gave me at that time. 

In XX/XX/XXXX, I had thought I had made XXXX payments, and had documentation. See attachments. My current situation- online, it looks as though I have XXXX payments completed towards PLFP ( XX/XX/XXXX ). I have documentation stating I had made XXXX payments in XX/XX/XXXX from Fedloan ( see attached ). 

I did make a phone call- and was told I made XXXX qualifying total payments and they had last years form, but not one from XX/XX/XXXX, and they had no ducumention of the XXXX payments. 

I am preparing to send a form in now. I am not contacting Fed load through their email on their site, other than to request a case number and contact through my work email, as it does not keep a record I can access- which they keep suggesting. This is important, as when I first transferred my load to them, they agreed to the higher number of payments from XXXX, was enrolled in the correct program, AND that I was on track to complete by XX/XX/XXXX. 

Overall, I have record of XXXX payments by XXXX, made in good faith in the PLSF program. Fedloan says I currently have XXXX. The current system is biased to keep loan holders in the cycle of payments, places loan holders automatically into payment plans that do not qualify and does not highlight this- example, standard payments do not qualify but directions for PLSF indicate standard is one of the options ( you need to call and ask for 10 year standard, not an option on the website and not indicating that is does not count ). 

My former complaint was dismissed, and fed loan suggested I contact XXXX. I contacted XXXX, and their statement was that when Fedload accepted the loan, they accepted the payments made through PLSF, and have no further records of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Vehicle loan or lease (Loan) with FORD MOTOR CREDIT CO. (VT).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I had called XXXX XXXX XXXX to have a due date changed back in XXXX. They said that this was not a problem and that they would happily make the change, send paperwork to sign and return and have the date changed from the XXXX to the XXXX effective immediately. The gentleman i spoke with also said that if I had any problems or saw a late fee to call and they would take care of it. I signed the paperwork, sent it back and continued paying on my loan every month thinking everything was ok. I then noticed {$190.00} in late fees on my account and when I called XXXX XXXX XXXX regarding this I was first told that they had no record of the conversation occurring, then when pressed they admitted to the conversation happening. Then they said that they never received the paperwork I sent to them and said that they would not wave the fees like they had said they would. They transferred me to a senior account rep but said " I doubt they 'll do anything ''. The senior rep really did n't even listen to what I said and refused to work with me at all, so I asked for her supervisor and was told I would get a call back. They have recordings of all these calls but are refusing to work with me on fees that were charged due to their error, not mine. I would like to request assistance in resolving this issue. I have XXXX new vehicles i purchased from XXXX in the past year and expect much better treatment than this.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (ID).
Issue: Trouble during payment process

Complaint: Ileagalally forclosed on mortgage, I faxed receipts to them that they said I did not pay, They tried everything to steal my house from me. Including having their agent go to the door and tell my renters that it was being foreclosed and that they would have to move. 
I had to pay attorney fees late fees foreclosure fees they raised my interest rate. I moved back to Idaho completely rearrange my life, Hurt my XXXX while moving.

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