milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2015 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We had a home built and closed on our loan in XXXX of XXXX. We closed knowing the taxes were based on an unimproved amount and would increase in XXXX of XXXX when the XXXX appraised our home with improvements on the land. When XXXX XXXX came and went and I had not received a letter from BB & T Mortgage regarding an increase in our payment due to the taxes going up I called them. I was told that they do their annual escrow evaluations in XXXX of every year and I should receive a letter in XXXX. Knowing that there was already a 6 month time period for the XXXX taxes that I have not been paying on improved amount I began saving money to accommodate until BB & T sent their letter. When I received their letter in XXXX XXXX it said my escrow shortage was {$480.00} which I knew had to be wrong as our taxes went from {$1000.00} per year to {$9700.00} per year. I called BB & T the same day I opened their letter and explained that I thought they were wrong and they needed to properly adjust my mortgage payments. The person I talked to said they could see what I was saying but that their escrow department sends the notices and if there is a shortage after they pay the taxes in XXXX XXXX they will notify me of the shortage to pay. When XXXX XXXX came and went with no communication from BB & T I called them again. They said I would get a notice for the XXXX shortage after they do their annual evaluation in XXXX XXXX. I saved the difference in taxes paid versus owed for XXXX waiting for the letter which I received XXXX XXXX, XXXX. To my complete shock when I opened their letter it said that I have an escrow shortage of {$15000.00} or the option to have my mortgage go from {$1800.00} to {$3800.00}. BB & T waited TWO YEARS to get my escrow account right and send a letter saying I owe them {$15000.00} - this is insane! Although I did my best to be a responsible consumer and save for what I thought my shortage would be due to BB & T 's complete lack in ability to properly set up an escrow account it is nowhere near what they say it will be. I now have to sell my home as we can no longer afford to live here. Had they adjusted my mortgage when they should have in XXXX of XXXX this would not be an issue. BB & T 's lending practices are irresponsible and reckless, not to mention financially crippling to consumers like myself. Please assist in making sure that consumers like myself are not victimized this way in the future and force BB & T to better service their customers. What has happened to my family is in my eyes criminal and now my entire monthly salary will have to pay this mortgage payment until I can sell this home that we can no longer afford due to the careless lending practices of this company. Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Medical debt) with Credit Systems International, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: i have recently checked my credit file and discovered that this company is reporting that I owe the a debt. To my knowledge this company has never provided me any services nor goods

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (LA).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom It May Concern : The reason for me writing is to seek your assistance with my mortgage company with the modification of my mortgage loan ; and to restricted them from dual tracking proceeding with the foreclosure while my loss mitigation application is pending. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (I do not know) with GC Services Limited Partnership (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We are not nor have we ever been in debt. I have receive many, many, many, many, many, phone calls from GC Services at XXXX. This is harassment. I demand compensation right now!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I can not take this any more. I want help right now. This should not happen to us. I want these people in jail right now!!!!!!!!!!!!!!!!! My wife and I have always been responsible and do not have any debt. I served for 21 years in the XXXX and XXXX XXXX. I or my family should not be treated this way. I want GC to pay for this harassment. If now help comes from this then I will truly know that doing the right thing and serving my country is a joke!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Kimball, Tirey & St. John LLP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter dated XXXX XXXX, 2014 from Kimball, Tirey, & St. John LLP to pay a judgement against me for unpaid rent owed to XXXX & XXXX XXXX. The letter said the debt will be assumed to be valid unless I notified them within 30 days that I dispute the amount owed. I responded within the thirty days informing them that I was never given an itemized statement at move out showing how much and where our security deposit was applied. 

I also went to see XXXX XXXX XXXX ( who sent the letter ) around this same time and I was informed to start making small payments but my request for Kimball, Tirey, & St John to obtain an itemized move out inspection showing where my security deposit was applied was never followed up on. Therefore I disputed all the debt as I was unable to calculate their interest charges without knowing my exact balance owed minus my deposit. 
I am still waiting for the itemized move out sheet required by law showing where my deposit was applied

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY ().
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: The attached letters ( To Wells Fargo2 in particular explains the situation in full ) was composed and sent to Wells Fargo in 2008. They refused to acknowledge it and never refunded the money ( Except as described ). Their fees were unjustly and incorrectly applied, and designed to extract extra money ( ie. Applying fees not in transaction order, but from largest to smallest ). In this example, I could have fairly been charged one OD fee of {$34.00} if they had charged me in transaction order. Instead, they extracted around {$170.00} in fees by sending me into overdraft as quickly as they could. 

Earlier " mistakes '' they made caused me to have a lower balance than I otherwise would have, and this led to other overdraft fees and other penalties. 

I recently found this post and so am trying again to get a fair outcome.

XXXX XXXX XXXX   ) It h
as been 10 years and this account is long closed, but all relevant documentation was provided to Wells Fargo at the time. 

The name on the account was XXXX XXXX XXXX and the details at the bottom of the account were correct at the 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 explanation
Consumer complaint received 02/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted in XXXX by Southwest Credit Systems for a debt owed to XXXX XXXX XXXX. I finished paying the debt in XXXX of XXXX, and as of today XXXX XXXX XXXX has not received the payment from the third-party debt collectors, and Southwest Credit Systems claims they sent the money to XXXX XXXX XXXX. Neither company can tell me where the money is.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 11/21/2016 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Rewards

Complaint: I opened up a credit card with BBVA Compass. The credit card came with a promotion of getting XXXX points worth a {$100.00} statement credit after opening up the credit card and then making {$1500.00} of purchases within a time limit. I have made the purchases within the required time limit and have not received my points. I received a voicemail message from BBVA Compass on XXXX XXXX, 2016 admitting that I had met the terms of the promotion and that I would receive the points within 2 weeks. It is now XXXX XXXX, 2016 and I still have not received the points that I was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Bureau Financial Services, Inc. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am having a problem with my credit score due to the fact that I have old/negative XXXX  XXXX XXXX XXXX closed accounts on my credit report from XX/XX/XXXX - XX/XX/XXXX. I currently have an open account which I 've been paying on time since XX/XX/XXXX. I was told and understand these negative accounts which are closed are really hurting my credit score and I am asking if they can please be removed. If one looks at my payment history, all my payment have been on time and I am trying to rebuild my credit.

Company response to consumer: Untimely response
Consumer complaint received 04/13/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I BEEN ASKING FOR HELP TO MODIFIED MY LOAN FOR THE LAST 9 YEARS AND INSTED TO BEEN ABLE TO HAVE THE OPPORTUNITY TO BEEN REVIEWED I BEEN TRANSFERED TO A LIST 3 DIFERENT SERVICING COLLECTION AGENCIES UNDER THE SAME MANAGMENT WHO THEY WORK ALL TOGETHER IN CONSPIRANCY TO LET THE TIME GOES BY AND HAD ME UNDER A DUAL TRACK PROCESS IGNORING ALL MY CERTIFIED MAIL REQUEST FOR HELP I BEEN ALSO MADE A DIFERENT COMPLAINTS TO THIS AGENCY AND THE LETTERS THEY PROVIDE YOU ARE BACKDATED MAIL THAT I EVER HAD AFTHER THIS IS EXPIRED AND

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to re-sell their account to collection agencies to damage my credit for services not validated. They have been deleted twice from my credit report and now they are Sending defaming information on old debt that did not belong to me.

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 EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure their servers and were vulnerable to a hack that allowed my personal sensitive information to be accessed along with information of millions of others.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit card () with JPMORGAN CHASE & CO. (MO).
Issue: Other

Complaint: XXXX XXXX ssn : ***********, showing Chase on XXXX acct. XXXX Not my account. Please take off as I am trying to close on a house and This is holding up the closing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2017 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Applying for a mortgage

Complaint: Hello My name is XXXX XXXX BOD XXXXXX/XX/XXXX XXXX XX/XX/XXXX My family and I were trying to obtain a Mortgage and were denied because of information that is not true on my credit report. XXXX XXXX XXXX XXXX XXXX has information of an eviction : XX/XX/XXXX record number XXXX File number XXXX XX/XX/XXXX:XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX civil DISMISSAL with no money or balance owed XXXX XXXX XXXX XXXX XXXX this company does not exist but is on my credit. <P/>I have even called XXXX XXXX County XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX General District Courts XXXX XXXX XXXX and the Attorney General office stated there are no balance and these items should not be on my credit report. <P/><P/><P/><P/>These allegations and judgements are lessing our chances of obtaining financing to purchase a home. as we all know how hard times are to buy a home in this day and age. <P/>These records were obtain by XXXX XXXX # application XXXXXX/XX/XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/2017, I received an email from this business. They claim that I owe them a debt for XXXX XXXX. They also claim to have my permission to contact me. This company also attempted to contact me by phone on XX/XX/2017. According to the fair debt collection act : 1. It is illegal for a debt collection agency to contact a consumer, unless it is between the hours of XXXX to XXXX. Since I was contacted on a Sunday, this company has broken federal law. 2. Once a debt has been discharged, it is illegal for a debt collection agency to attempt further debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (FL).
Issue: Making/receiving payments, sending money

Complaint: I use paypal to sell XXXX online. For every sale I enforce customer ID confirmation for identification verification and fraud protection. I traded with a specific customer in the months of XXXX through XXXX, during this time I collected numerous selfies and ID pictures of the user along with IP information to prove their Identity. They were also been shipped XXXX to her verified paypal address prove their identity. 

This user later contacted paypal making a claim that their identity was stolen and the transactions were unauthorized. However after submitting ID information and IP information for review by paypal their specialists determined that the claim was in fact false and all of the transactions were authorized. At this point the money was returned to my account. A week later paypal then claimed that all of these transactions were reversed through ACH reversals made through her bank. The reversals were in total almost {$12000.00}. They then requested that I pay for the entire amount. They placed my account on hold, taking all of my funds and preventing me from continuing any of my business transactions. This effectively removed me from having a job and I was given no opportunity to respond to this new set of reversals. 

I requested the names of the banks that the reversals were made from but they refused to provide me with the bank information and refused any information I offered for the case. This left me with no way of combating the disputes with paypal and absolutely no evidence that the bank reversal claims were even true. Paypal said that I was not eligible for protection because XXXX are an intangible good. However XXXX are unique goods in that unlike other intangible items, such as music, videos or software, they are not a copy being sold but instead an actually item that was delivered to the buyer. This meant that I lost 100 % of the product I was selling along with the money from the sales. In addition to this, all of the sales were completed using the XXXX website which provides tracking and proof of delivery for all online sales. However paypal rejected this information. 

Paypal did not even attempt to fight this fraud or give me the opportunity to fight it myself despite the compounding evidence against this other user. I believe that at the very least I should be provided with the reversal documents as proof that they were even made. Hiding the personal information of the user who made the reversal would be acceptable but providing no proof at all is not. Paypal is allowing people to commit blatant fraud and theft while not only doing nothing about it but also actively preventing me from helping myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/24/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NJ).
Issue: Trouble during payment process

Complaint: A late fee that was incorrectly applied to my account on XX/XX/XXXX. I called Ditech and they explained that customer service had no authority to issue late fee credits but I could Fax a letter to XXXX do dispute the fee. I sent a letter ( attached ) to this fax on XX/XX/XXXX to address this issue. I never received a reply.
On XX/XX/XXXX, I called Ditech customer service to ask why the late fees were not credited ; the answer was that the request was denied. I was given no explanation except as to say that it was part of my contract and the company policy was not to give credit back on late fees. I asked to speak to a supervisor. I was told no supervisor was available but one would call me back. I insisted and asked to wait on the phone line. Eventually I was given a supervisor named was XXXX # XXXX. I explained why the fee was not justified but it was clear that XXXX XXXX was not interested in resolving the issue. I asked my recourse and was told that I could fax my dispute to XXXX. I explained that I had already faxed a dispute to that number. I that point he told me that it was never received. ( Attached is the fax receipt log verification ). He went on to explain to me that I signed a contract that authorized the late fee and offered to send the contact. ( Which he sent by mail ) He further explained that the fee would stay on my account and if it was not paid, then the note would not be release when it was eventually paid off. He also went on to say I will get the same answer at Ditech from anyone else. Clearly Ditech has a policy to enforce the late fees but what is not clear is that they are doing it based on the contract. My contract clearly states that the payment is the principle and interest. See Section 3 ( A ) The Note does not mention the escrow fee as part of the payment. Conflating the escrow payment and the loan payment into the same payment is clearly a Ditech policy. The contract does not authorize them to charge the late fee on the escrow. See Section 7 ( A ) Ditechs policy is unfairly collecting fees from consumers that pay their mortgage payment but are short on the escrow account. Instead of booking the mortgage payment and booking the remaining funds in the escrow account, Ditech puts the funds in a suspense account thereby creating a late fee. In my case, my escrow account was substantially funded and in no risk of being short for the next disbursement. Ditech has no authority to collect the late fee of {$58.00} in this circumstance.
Ditect should credit my account for the late fee and stop this practice of creating late fees with a suspense account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-01-2016 about Bank account or service (Checking account) with PNC Bank N.A. (NC).
Issue: Account opening, closing, or management

Complaint: I went in to open a Business Bank account. I refuse to give my Social Security Number. Rep refused to open Bank account, I was told it was the law to give my SSN. I told them it is not required by Law. I had my passport and EIN to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit card () with STERLING JEWELERS, INC. (MI).
Issue: Payoff process

Complaint: Thank you for taking the time to read this letter. 
I 'm writing because I noticed that my most recent credit report contains late payment reported on 30 DAYS XX/XX/XXXX, for my KAY JEWELERS CARD # .XXXX.I have contacted customer service on XX/XX/XXXX to remove that reporting from all XXXX major credit reporting agency due to the error but Sterling Jewelers Inc- Division : Kay Jewelers Customer Care refused to remove the reporting. ( Assigned request id XXXX for that communication ). During that communication I have informed Sterling Jewelers Inc- Division : Kay Jewelers Customer Care Department the following : when I made a purchase on XX/XX/XXXX, I was told by the sales person no payments or interest for 6 months. In XX/XX/XXXX I started receiving phone calls from the bank Sterling Jewelers Inc- Division : Kay Jewelers. They were asking about the payments. Soon after that I made a trip back to the KEY JEWELERS STORE in XXXX MI. To my recollection the store manager was on vacation and I was told that I have to wait for the store manager to get back to work. Once the store manager returned to work I made another trip to the store. Manager stated that they have not had that promotion and she is not sure why the sales person informed me about it. Manager attempted to convince me that it was a misunderstanding between me and the sales person. Immediately after that I made a payment and I was current and on time with all payments and paid off entire loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation