milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2016 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (NC).
Issue: Settlement process and costs

Complaint: XXXX XXXX, 2015 I paid XXXX XXXX XXXX {$6800.00} to reinstate my mortgage included was attorney fees of almost {$1600.00} XXXX XXXX, 2015 I received a notice that Selene was to be my new mortgage service provider. 
XXXX Selene sends a statement saying I owe legal and attorney fees about {$1600.00} Selene showed a statement from XXXX XXXX XXXX stating {$5100.00} was paid to reinstate my account. No one knows where my other {$1600.00} went to.? I filed a complaint to the NC Commissioner of Banks last year. I faxed and copied/mailed all my paperwork from XXXX XXXX XXXX to Selene. They requested info themselves and were given different info. I PAID that {$1600.00} again to Selene at my closing XXXX. How could I reinstate my loan without paying legal fees??? I truly believe all the paid postings and passing me over to Selene the same time I reinstated my loan, that the mail, payments, etc crossed in the mail. Thing is XXXX XXXX XXXX should have fixed this with Selene. 
Please help me. XXXX XXXX XXXX screwed me over the last 6 yrs or so in a greedy loan modification. Thousands extra $ $ spent. That is another story I will never recoup from. I have a huge stack a paperwork but in only a few pages prove I paid the legal fees with XXXX XXXX XXXX and that Selene double billed me. I am trying to get my money back from Selene, with interest if possible ... .. This bank has been nothing but rude and ugly with me. A few weeks ago, XXXX told me the legal team that handled the reinstatement. When I contacted them, they told me they had no track of that and my name and address. I am not able to upload Doc but will gladly fax or send you copies. I had Selene as a mortgage co for 2.5 months. I sold the property in XXXX 2015. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Bank account or service (Savings account) with Account Recovery Specialists, Inc. (KS).
Issue: Deposits and withdrawals

Complaint: Arsi garnished XXXX $ from my savings account due to my mother 's debt to them she was a secondary signer due to me being underage for the account. She had no access to my funds nor did she make any transactions in my account it is only mine and they seized all my hard earned money I have no gas for car food or bill money due to a wrongful action from a debt company.

Company response to consumer: Closed
Consumer complaint received 10-01-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: My credit card company, Chase, with whom I have already opened XXXX complaint with CFPB, is re fusing to act responsibly with another dispute involving a foreign transaction, this time XXXX concerning an unauthorized charge placed against my card by a XXXX car rental agency. As with the first complaint filed with the CFPB, Chase is effectively ignoring the substance of substance of my argument and/or documents I have provided that show a charge is bogus. In each case, after several iterations, Chase basically has stated, in writing, that I have not shown that the disputed charge is fraudulent or the result of a lost or stolen card. What I have shown, however, is that the original rental documentation does not provide for a fee that was charged when the car was returned. I provided Chase with a copy of the original rental documentation, and yet Chase apparently does not read what is provided by a customer ; rather, it sends letters stating that it ca n't do anything about the charge and that the charge will therefore be reinstated and I can take the issue up with the entity placing the charge against my account. Chase clearly knows that both of my disputes are with XXXXbased entities, and so there is no practical way for me to pursue getting a credit from them. In the first instance, Chase has consistently been unable to identify the agency that put the charge on my card, and its authorization. In the case of this new dispute opened with CFPB, Chase is simply not taking the time to read the documentation I provided, which will show that the car rental was paid in full, and that no additional fee at return time was justified. I do n't understand how Chase can simply brush off a customer 's legitimate dispute, but it is happening to me in XXXX instances. I really hope that CFPB has sufficient law and regulations to make Chase act consistent with the law. I really believe it is being derelict and should not be allowed to get away with it. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/28/2016 about Credit card () with U.S. BANCORP (IL).
Issue: Other fee

Complaint: I was accessed annual fees on an inctive USBank credit card. I had XXXX and was in XXXX for 3 months when they were sending the notices. But USBank was sending the statements to the wrong address and have my wrong mailing address and name. They reported 30 and 60 day late payment to the credit reporting agencies which has harmed my credit. I have followed all procedures to have the negative information removed from my credit report and USBank is refusing. this was all over a annual fee on a credit card I did n't activate.

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 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have written XXXX letters to XXXX ; XXXX in XXXX XXXX & XXXX in XXXX XXXX to have them remove numerous out dated accounts over XXXX old still being reported and/or on my credit report, many incorrectly reported status of accounts that are not in collections and/or XXXX yrs in state of NY expired alleged debt are still on there.

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 07/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I attended XXXX XXXX XXXX XXXX XXXX 2016. Upon signing up, I was told there would be guaranteed internship and job placement after graduating. School was coming to an end and I had no internship. I was told that I was " on my own and had 1 week after school ended to find one ''. After my XXXX was completed and official graduation date has come, my student loans kicked in and my monthly income came no where near what was expected once I attended the school and struggled to pay loans, rent, and basic day to day essentials. I was forced to have my loans go into collections and was told " I should have gotten a better job and thought about my career before I went to school '' by a XXXX XXXX customer service representative. Fast forward 3 years, XXXX XXXX XXXX XXXX closed their doors under the law Obama had passed where if a students loan payments exceeded their monthly income, they had to close. Which was 100 % the case for myself and almost everyone I knew from the school. I still struggle with paying my loans and working with a representative to have my payments lower to no avail. There has been 2 class action suit won over the same issue in 2 other states. XXXX XXXX XXXX XXXX should be the next class action suit won! Since the school had closed, I 'm unable to log into my school email account to retrieve my school files or else I would be able to provide you with more detailed information.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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 send several certified letters and filed several complaints regarding a late payment from fed loan that the credit bureau has continued to report on my credit report as a late payment. This allegations of late payment is DEFICIENT of CERTIFICATED PHYSICAL PROOF of be adequately and fully COMPLIANT to all mandates and laws as related to my state, FCRA and METRO 2 data formatted reporting standards. You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, & proven documented OWNERSHIP of mine or of proven documented RESPONSIBILITY of MINE. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426- character P6 statements and all of its trailing segments, the minimal Five portioned identifiers all 386 pieces to confirmation to collect and every aspect of the alpha-/ numeric -/ and or alphanumeric sources codes. RETURN or return OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/29/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Late fee

Complaint: Bank of America claims I am past due when I am set up on recurring payments.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information, including ssn, was made public in the equifax hack.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Mortgage (Conventional fixed mortgage) with STONEGATE MORTGAGE CORPORATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Hi, I had paid my initial 20 % of my 30 year conventional loan amount and requested for removal of PMI from my account which is allowed by Law and per the Mortgage companies own website FAQ and I paid the fee requested as requested by the Mortgage company but still they have been changing me PMI up from for the next months even before I am due for the next month payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/30/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Credit decision / Underwriting

Complaint: Reason for Contact : To file a complaint against Wells Fargo Home Mortgage. The matter does not concern the mortgage directly, but it involves their policy in change of flood insurance requirements. Due to their lack of notifying their customers in a timely manner it causes the customers additional out of pocket funds. I received the attached letter XXXX XXXX, dated XXXX XXXX, XXXX that the new policy was in effect as of XXXX XXXX, XXXX. The receipt of this letter was about a month after the effective date and 19 days after my flood policy renewal date. Had I received this letter the beginning of XXXX I could have recalculated accordingly and not have over paid for flood insurance. When I contacted Wells Fargo 's customer service, even though they were apologetic, I was told that there is nothing they could do about it. I was also told if I provided XXXX with a copy of this letter that I could be reimbursed for the over payment of flood insurance. My insurance man submitted all the forms to XXXX and was told it can not be done until the next renewal date in XXXX, meanwhile I 'm out the extra money and feel Wells Fargo should be held accountable for their actions. How can they keep treating their customers with such a lack of respect and continue to get away with it? They need to be held accountable!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone stole my identity and opened a XXXX account which they never paid. They then resulted to opening an optimum account when their XXXX was disconnected. I have a police report which states the identity theft. I submitted it to optimum and they took the account off my record. However, I have submitted the police report to XXXX and they are still charging me for it. Now I have a collections agency named XXXX corporation on my credit file when this account was a result of identity theft. I have tried contacting the agency and no one answers. I have also tried contacting XXXX and I just get passed around the phone until I ultimately get greeted by a voicemail.

Company public response: Company chooses not to provide a public response
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: I was a victim of the Equifax Data Breach described in the following FTC announcement : https : //www.consumer.ftc.govXXXX I learned about the breach XXXX XXXX 2017 thanks to media coverage. 

The steps I 've taken are the ones suggested in the FTC announcement : 1. I checked whether I was one of the affected individuals by visiting www.equifaxsecurity2017.com. I found out that indeed I was affected. 

2. I placed a 90 days fraud alert on my files with Equifax ( and hence, by extension, with the other two bureaus as well ). 

3. I checked my credit report for inaccuracies at XXXX. I only checked with one bureau ( XXXX ), so I can check with the other two for free in 4 and 8 months, respectively. There were no inaccuracies. 

4. I reviewed my existing credit card and bank accounts for any suspicious activity, but this was not unusual, as I monitor my credit card and bank accounts every month. There was no suspicious activity.
5. I 'm filing this CFPB report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Weltman, Weinberg & Reis Co., L.P.A. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was a defendant in a landlord tenant claim which I was found to owe money, the " order granting judgment dated XX/XX/2017 is for {$5400.00} ( which includes damages of {$5100.00}, costs {$110.00}, and attorneys fees {$150.00} ). I borrowed money from my 401k to pay this, and they sent a letter back that as of today XX/XX/2017 I owe XXXX due to interest being charged. This is a lot of interest for 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Debt collection (Non-federal student loan) with Williams & Fudge, Inc (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX University failed to communicate with me about a debt that I owed. When I was in school they notified me that I did not have financial aid, when I was in the second week of the school term. Instead of offering more loan services, I had to drop classes or incur more debt. They never sent me an original bill at my address and I had a XXXX balance at this institution. I am being contacted by Williams and Fudge, a debt collector, collecting {$1000.00}. I do n't think this debt is valid. I asked him to validate the debt for me and he could not.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I live in Florida. Have a mortgage with Wells Fargo. Have constant trouble with them saying I am short in my escrow payments. I ask for a full accounting of that and they send me copies of statements that sometimes match and sometimes do n't match the ones they have sent me originally. I recently sent a written dispute to them about it. They replied saying that they researched the situation and it is not wrong. That the error has been " rolling over '' since 2011 and even though every year I am asked to pay extra escrow - it never catches up. Each year my statements show a positive balance and then all of a sudden a negative balance. My principle and interest is {$600.00} a month at now 4 % My house taxes are $ 100 month. My insurance escrow is $ XXXX month. Each year they send a letter stating that they need an extra $ XXXX {$250.00} due to a negative escrow balance of {$6000.00}. If I am paying the amount my insurance costs and my taxes cost XXXX how in the world am I short {$6000.00}. 
And if they require me to pay an extra {$200.00} each month every year XXXX how in the world am I short {$6000.00}. I have seen several things that Wells Fargo has been in trouble in the past for fraud for this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MI).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold checking account with a bonus offer of XXXX Thank you points. 
Before opening it, I confirmed I was eligible for it. 
I completed the requirements and waited 90 days for the bonus points. 
I chatted with a Citi rep named XXXX who confirmed I 'll get the points. 
Now Citi is saying I 'm not eligible for them.

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 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I looked on my credit report and seen a credit inquiry on  XXXX   XXXX   2016  from  XXXX  that I did n't authorize

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 06/29/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PNC Bank N.A. (MD).
Issue: Other service problem

Complaint: I tried using XXXX to send money to my account as I 've gone almost a month without a paycheck, just to avoid an overdraft. I was told on XX/XX/XXXX that PNC wo n't update XXXX XXXX with my balance info so its overdrafted and I 'm trying to get the money put in. I was told to contact you guys by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Deposits and withdrawals

Complaint: I have had trouble with depositing cash at PNC bank 's atms. 
I have a case number for reporting this on XXXX XXXX, and XXXX, 2016. 
case number is XXXX. 
I deposited {$25.00} on XXXX XXXX at XXXX XXXX and tried to deposit more, it kept spitting out the money. Today they gave me XXXX overdraft fees of {$36.00} each. When I just spoke to them, even if it would have taken all the cash, now their committing fraud again ( I was already in a class action law suit against them for accepting checks before deposits ). Now their trying to tell me that depositing the {$25.00} went after they let checks come through. 
I have the receipt to prove the balance at the time of the deposit. This is why there was a class action law suit against them. Their trying to tell me that after XXXX all cash deposits through the atms are for the next business day. I was told that all deposits are put in the account immediately. Not only did they not put the deposit in immediately, but they put the incoming checks in before the deposit. There is a law that they should follow, that the deposits coming in that business day go into the account before the incoming checks! 
I want the XXXX {$36.00} fees reversed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (NY).
Issue: Trouble during payment process

Complaint: We have paid our mortgage, on time and in full ( actually, recently paying a little over the specified amount every month ) for a year now. The company will NOT allow us to delete the escrow account, and pay our own homeowners insurance and taxes, which we are more than capable of doing, on our own. They have " claimed '' various reasons. One being that we " should have requested that at the time of closing '', when NO ONE offered us that option or we would have chosen to do that. Another reason is that our " debt to loan ratio '' is too high -- 88 % as opposed to the desired 80 % -- when we have been told 2 other figures i the past.

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