milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/24/2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Hello I currently have a mortgage with U.S. Bank Home Mortgage. In XX/XX/XXXX my wife and I decided to do short sale on our property so we hired an attorney to handle the process. While we were going through the process my wife became very ill and was diagnosed with a life threatening illness, so bad that we did n't think she was gon na make it out of the hospital. Not knowing what the outcome was gon na be I asked our lawyer to look into a mortgage modification. U.S. Bank agreed and we began that process i submitted all documents and verifications that they asked for. I got started on the trial period payments, made 2 and the third was n't accepted. After some communications with U.S. Bank I did n't like the way my lawyer had been dealing with them so I decided that it would be better served handling it myself. So I began the process all over again on my own, submitting all documents and verifications myself and waiting and waiting. So ever since I started the process myself its been very limited communications. When I would call I would be told that it was still under consideration and I would hear something soon. Finally XX/XX/XXXX I get something from them and its a notice of intent to foreclose. I contacted XXXX and they began working my case in XX/XX/XXXX of last year. Every time I 've spoken with U.S. Bank since then I 'm being told that they have n't recieved anything from XXXX even though I 've sent all of the documents and XXXX has the same contact information that i have. I 'm not asking them to lower my payments, my wife and I went through a terrible medical ordeal that we are still dealing with, but now that she 's better we only want to move the back payments to the end of the loan and get started fresh.

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 09/20/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Unsolicited issuance of credit card

Complaint: Several years ago I had a Delta Airlines American Express card which I cancelled years ago. Recently American Express ( amex ) sent a new card in my name to my brother 's address that only needed activated. I live in XXXX, my brother lives in XXXX. I NEVER lived at that address. I thought that the card may not have been cancelled like I thought and this was a renewal of the previous account, but the card states member since XXXX, which means it was just opened without my consent. This card is not presented as a pre-approved card requiring application on my part, but rather as a new card only requiring activation. Again, I did not request or apply for any amex cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (MD).
Issue: Trouble during payment process

Complaint: Loancare failed to pay/disburse property taxes.  Property taxes are now delinquent and interest continues to accrue.  Escrow is being held by Loancare for payment of these taxes.

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 10/30/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (VA).
Issue: Money was not available when promised

Complaint: Fund transfer was done on XXXX XXXX 2015 and suppose to be delivered to receiver by XXXX XXXX 2015 but till XXXX XXXX fund not received. As per Western Union money delivered to Receiver 's bank and Case XXXX was opened and resolution till today. receiver have to go to the bank every day to check but no fund in the account and receiver 's bank has no record of fund transfer received from Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Credit card () with BANCORPSOUTH BANK (MS).
Issue: Billing disputes

Complaint: Hello, Please see the attached document for your review. I am filing a complaint regarding merchant, XXXX XXXX in the amount of {$990.00} charged to my XXXX on XXXX XXXX, 2014, under services not rendered as described. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: Having the same problems with Ocwen loan company that I filled the complaint 1 1/2 years ago. We are going on year 3 with this problem. We had a modification in XXXX of 2013 that was approved, signed and notarized by us. We made the first XXXX payments and they stopped taken the payments. The sent us a new bill with a different amount and I call XXXX the company that has the title for our loan and the company that gave us the modification. They said that Ocwen was just behind and it should be fixed in a couple months. I waited and Ocwen told me that they made a MISTAKE. This mistake has cost me so much money because are credit if awful. After the last complaint I filed they told me they would take it off are credit back to when the loan was signed, but they will not give us a new loan. I receive bills for both amounts but can and will not pay either until I have a really loan that is signed by us, not something they just made up. I have hired a lawyer, and he is having the hardest time to get any help for us. I do n't know what to do but file a lawsuit against them. My husband and my credit is awful and we bought a car a year ago and it has affected what we pay for that loan. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX was included in my Discharged Bankruptcy Docket : XXXX yet they are still reporting an unreleased judgment ( XXXX ) on my credit report and court docket. 
They were, inf act, served a notice of filing. They are affecting my financing and this needs to be fixed asap. 
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 08/17/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am corresponding with you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On XXXX XXXX, 2017 this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with a document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report. I did not receive any validation/verification documents which is a violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX XXXX is consistently harassing me. The company has called from different area codes repeatedly every day for months, even after I have asked them to cease calls. They also send mail even after relocation to a different address that I do not provide to them. I have never received validation that the debt owed is my debt. I have disputed against the company on numerous occasions and there has been no resolution. Upon further investigation, the state of North Carolina requires collection agencies to be licensed within their state. XXXX XXXX XXXX XXXX is not licensed or registered with North Carolina 's Secretary State and should therefore be removed from all credit bureau agencies immediately.

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 UNIVERSAL ACCEPTANCE CORPORATION (NE) (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: After reviewing my credit report I show that I have a negative account fro m Universal Acceptance in the Amount of {$4300.00}. I have no knowledge of this a ccount. When ask for documentation to prove verification, I was denied. I understand that this was transferred between companies and it seems no one can provide me with the information that 's needed.

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 09-09-2016 about Credit reporting () with Ad Astra Recovery Services Inc (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had applied for a loan and allready paid the amount through the customer service. Now i see a negative credit remark on my credit score and an amount due which has already been paid long time ago. I had been harassed with calls and mails to my address. I tried to dispute before and i did it but the calls and the bad remark on my credit has not been removed yet

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: PRA is claiming no existing dispute with XXXX. This is false. They are claiming they have no records of direct disputes which me. This is also false. I have responses from PRA that attempt to validate the debt but have never shown any evidence to support that the existing dispute, directly with XXXX, was resolved. Again, PRA should have never acquired an account that is under dispute. PRA dates also can not possibly be accurate as they are claiming " In response to your dispute, PRA has sent a letter on or about XX/XX/2017, containing validation. '' but my CFTB dispute was filed on XX/XX/2017. You ca n't send a response before I even filed a dispute, and again I am not asking for validation. I am informing PRA of an existing dispute whereby they are not allowed to collect and the account needs to be sent back to the original creditor to comply with all applicable laws. Attempting to validate the debt by sending account statements does n't resolve the existing direct dispute with the original creditor, XXXX, nor does it prove the existing dispute was resolved.

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. (UT).
Issue: Problem with fraud alerts or security freezes

Complaint: My SSN, DOB, full address, DL number and Credit card numbers have been stolen in a breech at Equifax. The company never contacted me to let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NY).
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 can not cancel a gym membership and I am being charged

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Making/receiving payments, sending money

Complaint: subject..wells fargo..item XXXXthis occurred about XXXX months ago..originally in 2012 i opened a savings acct. that was valued at XXXX figures to be used for payments during our house renovation..when it was finished. i left approx $ XXXX in the acct.and transferred the balance left to investments accts ... the XXXX was for emergencies..several months later i noticed a slight change in the value of the act ... i opened it up and discovered wells fargo was deducting {$25.00} per month..the explanation was ..when i opened the savings acct. with XXXX figures it was considered a premium acct ... .when it dropped below XXXX it lost this status ... thus the $ XXXX. charge ... by the way..interest was .03 % ..they gave me what was deducted back ... but most important ... .they never told me of this possibility ... ... .How many do n't know this is happening to their accts. pls. pass this on to the XXXX committee that is taking wells fargo to " task '' item # XXXX ... .again wells fargo..i physically went to local branch to pay monthly mortgage ... ..teller made mistake of posting payment to my credit acct ... .i was dunned..2 weeks later for non payment ... ..then it was discovered that the posting was to the credit card acct ... ..bring this to the same senate committee ... .the error took a few seconds..by the teller making a mistake ... ... to resolve this problem when they found what happened ... took XXXX 1/2 weeks ... if it takes only few seconds to create an error ... ... .why ca n't it be fixed in a few seconds also? ... ..pass this on to the senate committee

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 05-08-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have refinanced my Navient private student loan. The loan was paid/refinanced at the beginning of XXXX 2016. There was an overpayment in the amount of {$1600.00} which is to be refunded to XXXX, the company through which the loan was refinanced. Navient has been contacted numerous times by XXXX and myself requesting they return the overpaid funds. They still have not returned to funds to which they are NOT entitled to. This money must be refunded to XXXX in order for them to make corrections to the balance on the refinanced loan. There is a limited amount of time for this money to be returned and processed as a refund which in turn will decreased the amount refinanced along with the payment. Navient has no claim to the overpaid amount and should return it immediately to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
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: In XX/XX/2018 I was sold a service called XXXX which I charged to my Synchrony Bank/Care Credit account. The service was sold as a facial improvement with no downtime, no recovery ( their advertisement is attached to this complaint ) The service was performed on XX/XX/ 2018. Immediately after the service I felt XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the way home from the service. The next day I woke up to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( photos are attached ). Long story short due to what happened I was unable to go to work for 2 weeks so I lost 2 weeks of wages over {$3300.00} gross wages to be exact. I immediately  contacted the merchant who did nothing to resolve the matter and blew off my complaint. At that point I went to Synchrony Bank who to date says they are investigating but expect me to make payments during the time it takes for them to investigate. I felt that was unfair and so I am filing the complaint. The merchant lied in the sales process in order to get a sale. I would have NEVER EVER done this if the merchant told the truth. I am asking for an adjustment for the lie. While the service was performed, there has been NO result and I lost 2 weeks of work in pain and looked absolutely horrible. I still have XXXX XXXX XXXX XXXX XXXX XXXX over XXXX months after the service.

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 10/31/2016 about Credit card () with PNC Bank N.A. (PA).
Issue: Balance transfer

Complaint: I was recently contacted by my bank, PNC Bank, headquartered in XXXX, PA. At the time, I had XXXX checking accounts and XXXX savings account with the bank. They contacted me to convince me to open a credit card account. They said the new credit card account had XXXX features 1 ) no interest for the 1st 18 months on new purchases 2 ) no interest on balance transfers for the 1st 18 months. I did my own analysis and decided, based on these facts, to accept the invitation to open the credit card account. A few months after I opened the account, I decided to transfer a {$9000.00} balance from another credit card account. 
When the transfer finally posted on my new PNC credit card account, there was an additional {$270.00} charge as well associated with the transfer. 
I immediately called the bank and was told that there is a 3 % charge on all balance transfers. They claim it was in the literature that they sent me. It simply ca n't be fair for a bank to aggressively try to cross-sell a customer a new product and not disclose this type of term until the customer has already accepted the new account. This is what happened to me and PNC had refused to refund the {$270.00}, so I 've filed this complaint.

Company response to consumer: Closed
Consumer complaint received 06/26/2017 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: Trans Union is allowing my student loan creditors to report multiple periods of late payments for student loan accounts that were placed in forbearance retroactively, but were never updated to CRAs as required by The Fair Credit Report Act Section 623 ( a ) ( 2 ).
The US Department of Education states that retroactive forbearance acknowledges a period where no payments are due. Therefore negative credit history must be removed/updated. This duty to update extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point. The Fair Credit Report Act Section 623 ( a ) ( 2 ) requires that the furnisher both update and correct information submitted to the CRA. Credit report are to be updated to reflect a forbearance status for the months indicated below. XXXX XXXX XXXX/XXXX ( 8 accounts ) : Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover the past due month of XX/XX/XXXX.
Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due periods of XX/XX/XXXX - XX/XX/XXXX.
Place in forbearance on XX/XX/XXXX and  retroactively backdated to cover past due periods of XX/XX/XXXX - XX/XX/XXXX. XXXX ( 2 accounts ) : Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due months of XX/XX/XXXX - XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX ( 2 accounts ) : Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover the past due month of XX/XX/XXXX.
Placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due months of XX/XX/XXXX - 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 08/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with KEYCORP (OR).
Issue: Credit decision / Underwriting

Complaint: I had a loan with KeyBank with a 10 year arm. 2 months prior to the full payment due, I attempted to refinance with KeyBank or extend the 10 years. They denied my refinance and denied my extension. I had 10 years of excellent service with them. All payments were on time, they never missed a payment from me. When submitting my extension request, I said I will do whatever it takes, including sell the property to help them and myself achieve our goals. They denied me because they said I wanted to sell. I told them I was just trying to show them that I will do whatever it takes to make them continue to work with me. Then I applied and was denied based on school loans. I am still XXXX and my loans are deferred. I payed off a XXXX mortgage with KeyBank with my retirement and they told me to apply again. I was denied again. Only this time I waited for a reply and got nothing, I emailed, heard nothing, then finally called and they said that now I was outside of my time for the loan and would have to reapply a 3rd time. My emails get deleted to KeyBank without being read through an automated system according to the person I talked to. Attempt # 3 was unsuccessful and I was denied. I then had to have my mother buy the house from me as a rental property herself. That took 3 months over the 10 years and now my credit is affected all because KeyBank would not work with a long standing customer. Now I just realized they are charging me {$18.00} monthly to have my checking account with them. What a horrible company!

Company response to consumer: Closed with explanation