milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/27/2017 about Mortgage (Conventional home mortgage) with Capital Markets Cooporative, LLC (FL).
Issue: Trouble during payment process

Complaint: I closed on a refinance transaction in XX/XX/XXXX with Guaranteed Rate I paid my first payment to Guaranteed Rate, the institution that originated my loan. 
Subsequently my loan was sold to CMC Funding The second servicer, CMC Funding, stated they did not receive the payment from the original servicer, Guaranteed Rate. 
I provide documentation that I paid the payment from my acct. 
The documentation was provided to the second servicer, CMC Funding on XX/XX/XXXX & XX/XX/XXXX. 
On XX/XX/XXXX I was told the issue was not resolved by the new servicer and the " ticket '' had been closed. 
At this time I provided the information again and now they are reporting as 30 days past due for my acct. This month is will be 60 day past due. 
This is negatively impacting my credit rating and they are not assisting in resolving the issue. 
I am told by CMC Funding to wait and they will contact me when they resolve the issue. 
I am not at all confident this issue will be resolved timely given the way the situation has been handled so far.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Medical) with Credit Counsel, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On or about XXXX XXXX, 2016, I received a phone call from XXXX XXXX of Credit Counsel , Inc. XXXX XXXX indicated that he was representing his client XXXX XXXX in an attempt to collect {$2700.00} for an unpaid workman compensation debt. I had not received any correspondence via mail before this phone call. I knew of XXXX, the workman comp bill and the amount of {$2400.00}. XXXX XXXX indicated that by XXXX XXXX, 2016 I needed to get back with him and submit the {$2700.00} On XXXX XXXX, 2016, I contacted XXXX XXXX and informed him that the amount he quoted was incorrect. He stated that this was the amount he was authorized to collect and received from XXXX. He stated that it was late fees and other charges. I called XXXX XXXX and was told that {$2400.00} was the amount owed on the claim. XXXX XXXX stated that he was " going to sue me and get more than I owed ''. He went on to demand immediate payment, stated that he was looking at my credit report and I needed to get the money from my XXXX. I informed XXXX XXXX that I did not have a 401 k and he immediately called me a liar. He continued the bullying tactics by threatening to file a lawsuit and sue me in court. 
I was taken aback by the unprofessional behavior, threats, and name calling. I inquired later on in hopes to contact a supervisor to resolve this matter as well as report XXXX XXXX 's behavior. I was given the name of a supervisor, XXXX XXXX. I attempted to contact him and my call was intercepted by XXXX XXXX. XXXX XXXX stated that no one named XXXX worked there, he was the supervisor and I was wasting his time. He transferred my call to another gentleman that stated he was the supervisor. He demanded payment of {$2700.00} and if I was n't wanting to talk about submitting full payment, I was wasting his time. I had never been involved with a collection agency and this did not seem appropriate. 
I submitted a debt validation letter to Credit Counsel , Inc. and requested validation. I received paperwork indicating {$2400.00} was owed, several health insurance claim forms and to arrange full payment from XXXX XXXX. I did not received any other documents or information I requested. After I submitted the validation request, cease and desist letter, I still received a voice mail from XXXX XXXX of Credit Counsel , Inc. stating that was representing XXXX and attempting to collect a debt. This was clearly a violation and disregard to requesting to be contacted by mail only. The employees of Credit Counsel , Inc. did not cease and desist contacting me by phone.

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 02/27/2017 about Debt collection (I do not know) with Ability Recovery Services, LLC (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I got an alert from my credit monitoring stating that there was a new collection added to my credit report and when I pulled my report I saw Ability Recovery services. I do n't know who they are collecting for or for what reason, I never received an early warning notice.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Billing disputes

Complaint: XXXX/Macys is reporting that I had a 60 day late payment in XXXX of 2008. I have disputed this several times and have requested validation and proof that the payment was not made on time and I have not received anything back from them, but XXXX and XXXX are claiming that they verified the information which I know is false because I have never made a late payment with them. XXXX/Macys updated the information to XXXX stating the account was positive.

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 07-07-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted an application to be reviewed for loss mitigation options. During the process they kept asking for a legible XXXX form which was provided several times. The loan was denied for this reason. I went to the IRS and requested the tax transcripts for the years being requested and submitted my file again with the transcripts and XXXX forms once again. The servicer is now telling me that I do not qualify for any program and they have reached the limit of times my file can be reviewed which is 2 times. I 've requested proof of this guideline that I believe does not exist. I do not want to lose my home and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: This complaint regards the American Express Blue Cash Everyday credit card. In XXXX AmEx offered a sign-up bonus in which if you spend {$1000.00} within 3 months, you are promised a {$250.00} cash credit, as long as your account is in good standing. I opened up my Blue Cash Everyday card account in the first week of XXXX XXXX and met the threshold by XXXX/XXXX/XXXX, spending {$1300.00} on qualified purchases. I paid it back in full well within the 3 month period, thereby meeting all required conditions. However, after numerous calls, they keep repeating that it is being researched by specialists and my request is still pending. Every time I speak with an AmEx employee, they tell me I will definitely get my bonus, but after 6 months of calling them over and over, they tell me it is still pending and refuse to send me any official notification of such. These illegal practices are ongoing, since at least XXXX, and this is criminal behavior. 

I know from research on CFPB itself that thousands of consumers have made this exact complaint, and that AmEx knows it, and furthermore that the company has already been fined XXXX XXXX dollars to pay to 250,000 customers who have been defrauded by American Express ' illegal business practices. They have been doing this willfully and criminally, since at least XXXX and get away with it the vast majority of the time. Unfortunately CFPB 's statement that " 97 % of consumers get timely replies when we send their complaints to companies. ", does not take into account that In the case of American Express, a timely reply means nothing, and gets you nothing. I urge all who have been preyed upon to keep fighting, and pursue a class action suit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: Last year, on my way to the airport to catch an international flight, I stopped at a Wells Fargo branch to pick up XXXX which I had ordered in advance for my business trip. Once I checked in with the Wells Fargo teller, she reviewed my account and immediately told me there were additional account opportunities that would benefit me ( as Wells Fargo tellers almost always do on branch visits ). I informed her I was in a rush to get to the airport for my flight and not interested in any additional services, only in picking up my advance order of XXXX. She told me that I would not be able to receive my XXXX until I opened the new checking account she was offering, suggesting that my existing checking account would soon expire and needed to be replaced, especially prior to international travel. Worried about being denied the XXXX I needed for my business travel and the possibility of my current debit card being declined abroad, I agreed to open the new account she was suggesting but only if it would take 5 minutes or less to set up. 40 minutes later, I was still sitting with a personal banker, finishing registration for a checking account that I was pressured into opening and did not need. I voiced my frustration with the Wells Fargo 's employees ' disregard for my urgency, was eventually given the XXXX I needed ( along with a hefty folder filled with information about my brand new checking account ), and was finally free to continue on to the airport for my flight, 45 minutes later than planned. 

A few days later, I was still feeling uneasy about the experience I had at Wells Fargo, so I explained the situation to my father, a former Wells Fargo District President, who quickly told me that they had no business forcing me to open a checking account I neither wanted nor needed. He urged me to call Wells Fargo to have it closed immediately, which I did. My father had significant firsthand experience having worked within the company and knew what they had forced me to do was not right. ( In fact, his opposition to Wells Fargo 's suspicious operations led him to pursue a career in state Banking regulation. ) I have remained a customer of Wells Fargo purely for convenience reasons, though I am now hyper-aware of their slimy tactics to push unnecessary services on their customers. I can only hope that this experience did not negatively impact my credit score and that Wells Fargo never takes advantage of their other loyal customers in the same way.

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 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Effective XXXX XXXX, XXXX, a consumers credit report may look a little different than in the past. It is to my inderatanding that my credit report will require any public record, such as a lawsuit, judgment or real property lien submitted for reporting on a consumers credit report, to include the consumers name, address and either their Social Security number or date of birth. If any of this information is missing on a reported public record, it will no longer be reported on a consumers credit report. Please investigate this matter. I have XXXX bankruptcies on my report and XXXX lien.

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 08-11-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: We have a mortgage with OCWEN Loan SeXXXXrvicing. Payments are made on the first of the month and they do not seem to get processed until the XXXX of the month. NO late fees area accessed as they start on the XXXX. They are stating no payments were made in XXXX and XXXX. All payments are made from a XXXX XXXX bank. I have spent hours on the phone with them, providing them with the actual bank statements as they wanted to make sure the amount was subtracted from the account which checks were written and withdrawn through ACH, no cancelled checks are available. They will not process the amounts and are asking for a cancelled check. I can not make anyone understand as XXXX is clearly the XXXX language of ALL agents.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with DISCOVER BANK (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I responded to a solicitation from Discover Bank in XXXX, 2017 for a home equity loan at 3.99 % for up to {$150000.00}. Within the first 30 days the bank advised that I was eligible for the full {$150000.00}, at the 3.99 % rate, based on the application they completed over the phone with me. After at least SIX months of providing documents to Discover, many of them provided 2-3 times, evidently because they misplaced them, I was advised by mail correspondence that my loan was declined. The day before, by email, I advised Discover that I was withdrawing my application. That same day Discover officials ( XXXX XXXX XXXX ) told me by phone that they were still seeking ways to make the loan work. After explaining to several officers that I withdrew the day BEFORE I physically received the letter from Discover denying my application, they still would not list it as a withdrawal. I would like to be compensated for all the time I spent providing documents to the bank over an unusually long application period, only to have Discover decline my loan application, after within the first 30 days advising that I was eligible for the highest loan amount they offered along with the lowest interest rate. That, based on a strong portfolio, excellent balance sheet, and 25-year record of mortgage payment and payoffs.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am contacting you because I have recently been treated wrongfully by Navient. During my entire tenure with Navient, since they split from XXXX, I have made on-time consecutive payments. As a result, I have always had the waiver eligibility ( XXXX ) of the final 6 payments ( amounting to about {$2000.00} ) waiver notification present for all of my four Stafford loans. My 114th payment should have been my last. However, on XX/XX/XXXX, the day after my 114th payment, they removed this benefit without giving a reason. I called them to let them know of the error and they stated, by mail after a week, that I am ineligible because my loan term is less than 10 years. This is untrue, my loan term is exactly 10 years, which satisfies the conditions. They are trying to remove this benefit that I was expecting and was very much looking forward to. They are ruining their reputation ( in my eyes ). Will I need to get an ombudsman ( or even a lawyer ) to fight for reinstatement of this eligibility?

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-03-2015 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Advertising and marketing

Complaint: For quite some time, I have been on the opt-out list for receiving credit card and insurance mail solicitations. Today, American Express mailed me a solicitation for their " Premier Rewards '' credit card. Surely, this established company has access to opt-out lists and can see that I 'm on it. People are tired of this XXXX. Please have American Express stop sending me their unwelcome solicitations or promotions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: A medical debt collection company ( XXXX XXXX XXXX out of Indiana ) sent me a letter in XXXX indicating that they had requested for the 2 delinquent accounts to be removed from all 3 credit bureaus. Everyone removed them except Equifax. I disputed the account with Equifax ( for a third time ) after receiving the letter from XXXX XXXX XXXX and attached the letter to the dispute in late XXXX. Equifax still did not remove the two items. Additionally, I filed a complaint with the Better Business Bureau against XXXX XXXX XXXX because the accounts were not being removed. XXXX XXXX XXXX indicated during the BBB investigation that they sent 2 additional requests for deletion to Equifax and that there was nothing more they could do -- that it was a problem that I would have to take up with Equifax. Equifax has yet to remove these two entries and they are still being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2017 about Vehicle loan or lease (Loan) with EXETER FINANCE CORP. (NV).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: XXXX XXXX XXXX amounts showing on my credit reports account charged off {$24000.00} Written off {$17000.00} I never received any letter or letters after writing Exeter about the account or what the Vehicle sold for which I requested. the amounts are not correct. 
I tried several times to pay but was told I could not pay or catch the payments up. 
My job had written me bad checks I work for at XXXX salary and closed up with out any notice. I told them this several times I was waiting to transfer to the XXXX  in which I 'm a XXXX the company had over 460 employees. 

Exeter has no regards to the customer my claim was valid with the state about money filed as proof and the situations going on at the time. 

Now XXXX XXXX XXXX has Transfer of Account Ownership to XXXX XXXX XXXX Why would I pay for a Vehicle that I do n't have nor was ever give a sale amount at auction. 
Now a transfer with no amounts and I dispute any and al money owed to Exeter due to the fact when I wrote Exeter to pay I was treated badly and hung up on. 
the amount on the credit report is not right on the amounts there is no sale amount on {$17000.00} or XXXX was the amount of the begging loan Fin but there was payments made and the sale amount does not leave the balance this high nor XXXX owed minus the sale price of the Vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Error Resolution RequestI made a {$10000.00} payment in XXXX 2015 and per XXXX XXXX of Shellpoint, this payment was not credited until XXXX XXXX 2015. Shellpoint has failed to explain to me why the delay in timely crediting my XXXX repayment plan payment? They refused to give me anything in writing to support I was actually in a repayment plan. 

Monthly Mortgage StatementShellpoint has failed and refused to send me any monthly mortgage statements since XXXX 2015 to which CH of Shellpoint said on XXXX/XXXX/2015 at XXXX PST " we do not send monthly mortgage statements on severely delinquent accounts ''. Please immediately provide me with each of the following monthly mortgage statements and show me any regulatory instructions that Shellpoint can refuse to provide monthly mortgage statements. 
Monthly Mortgage Statement Demand for XXXX 2015 ; XXXX 2015 ; XXXX 2015 ; XXXX 2015 ; XXXX 2015 ; XXXX 2015 ; XXXX 2015 ; XXXX 2015. Per Regulation X Part 1026 ( e ) - 1026.41, you are required to provide me with a periodic billing statements. 
Demand for Payoff amount good through end of XXXX 2015. 
Request to postpone foreclosure saleAs I notified CH of Shellpoint we have received a full price offer which will satisfy the entire debt on this loan. We respectfully requested a 30 day postponement of the scheduled foreclosure sale to finalize this sale and we have not been given any assistance, nor did they even ask for a copy of the purchase agreement..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (VA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I closed the Discover Card and they charged me the amount of {$84.00} I owed to XXXX XXXX. However, Discover card has not paid the amount of {$84.00} to XXXX XXXX. Discover card stole my money of {$84.00}. XXXX XXXX is still asking me to make this payment which if I make will be a double payment. I still want the Discover card to be closed. Please make them pay the amount of {$84.00} to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Payday loan () with Big Picture Loans, LLC (NC).
Issue: Charged fees or interest I didn't expect

Complaint: I borrowed XXXX was told my payoff fee total was XXXX which i have paid off and they are still charging me another XXXX dollars. It changes everytime I call them. The woman keeps going back and forth on the phone call. I paid on time and early and they say I owe late fees and charges for another loan I did not commit to as well as finance fees. It is a big scam and sincerely unclear on the rules. Documents keep changing fee amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Prepaid card (Gift or merchant card) with PAYPAL HOLDINGS INC. (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: purchased egift card purchased from Paypal Digital Gifts on ebayXXXX website was XXXX out. the egift card was for {$100.00} XXXX gift card. 

Item # XXXX Purchased on XX/XX/2016

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
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: XXXX   XXXX     2017  I mailed a certified letter to  XXXX  and Equifax disputing collections on my account and asked that they verify the account and to not just say " account verified " after investigation. It is my right to ask for verification and it 's the credit bureaus responsibility to provide verification and debt validation. These companies failed to do so.

Company response to consumer: Closed with explanation