milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-05-2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (CO).
Issue: Trouble during payment process

Complaint: PNC bank has a practice of requiring all home owners to provide proof of insurance, that is n't unusual. The problem is that as a company they do n't accept e-mail ; at all. So once you have the proof of the condouminium hazard insurance, you are presented with roadblock after roadblock of why they ca n't take your information. Their website which supposedly you can upload the documents to ; does not work for ipads or cell phones. Who I ask has a desk top computer in XXXX? When you call the XXXX # to complain and ask if one of their representatives can call your condominiums insurance carrier on your behalf, they refer you back to the website which does n't work for uploads, and or a fax machine which no one has, and they repeat that e-mail is not an option. Beyond technical customer service issues, the crux of my issue is that they threaten to automatically charge me for {$200.00} worth of condominium hazard insurance repeatedly even though I 've given them the name and number of my condominium insurance. I have all of the information on e-mail, but again their company in XXXX, states they can't/wo n't accept e-mail. This is a scam against the poor. This is egregiously damaging both in the economic and time sense. Never before have I ever heard of a mortgage company not accepting e-mail documents.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Closing on a mortgage

Complaint: I had an FHA loan with Bank of America ( BANA ), which was paid in full on or around   XXXX   XXXX  , 2012. It has come to my attention tha t BANA  over charged me interest for approximately 20 days. The attached payoff statement confirms that I was in fact assessed interest for the full month of   XXXX   2012, rather than just through the date of payoff.

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Transunion Transunion sent me a letter dated XX/XX/XXXX( File number XXXX ) claiming that my recent request for an annual credit report was denied since I had already been provided a report this year. I called the toll free number provided today the XX/XX/XXXXand the first call sent me to a request to enroll me in an emergency alert program. I responded no. Then it reported that I had won a caribbean Cruise. I hung up and tried again. I was cut off 3 times before I was placed in a que. The fifth connection kept me on hold for 11 minutes and 4 seconds and the voice message asking me to press a button to keep connected became unintelligible, so I hung up. 
What I wanted to know was why they believe I already asked for a report. I have not contacted Transunion for more than 10 years. I have opened a new savings account recently, so maybe the bank asked for my report. But does another agency asking for my report make my personal request null and void? That would make no sense and would not let me check on who has been asking for my credit report, possibly for nefarious reasons. Please advise. ( I can not scan the 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 11-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I called and spoke to representatives on numerous occasions and advised of my only name and address that should be on credit report. They said they were unable to do that. XXXX and XXXX had no problems updating the information. ( license attached ) They also will not remove XXXX hard inquires from " XXXX '' despite emailing and faxing a letter from XXXX stating they did pull any hard inquires. ( letter attached )

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 12/30/2015 about Debt collection (Credit card) with Oxford Law, LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: A representative name XXXX contacted me at my employer he was rude and very disrespectful. I asked him not to call my work anymore. He continued to call my employer and speak to co workers about me, was rude and disrespectful to them to the point that they had to hang up on him. Then he started contacting my coworkers after hours. They and I have asked him not to call but he continues.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Other financial service (Foreign currency exchange) with XOOM CORPORATION (IL).
Issue: Fraud or scam

Complaint: I made a purchase on XXXX XXXX, 2016 at XXXX through Xoom.com of a {$17.00} United States XXXX for a phone reload of {$16.00} United States XXXX for the amount of {$300.00} XXXX pesos, which incurred a transaction fee of {$.00} United States XXXX to add up to the {$17.00} XXXX. The phone carrier in XXXX is XXXX. The number for which I processed the reload is XXXX. The Xoom tracking number is XXXX and the recipient is XXXX XXXX XXXX, my wife. 

The transaction did not go through and I have asked xoom.com to return my money and they say that they can not do it because the money has been deposited to the carrier, which is not true. 

I am seeking the full refund of my {$17.00} United States XXXX because the company has not provided the service they promised. 

I am waiting for them to do something. 

Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-12-2018 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (VA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I contacted the office of the Inspector General and AAFES responded in writing that there is a negotiated settlement. The letter also stated that if I didn't agree with the settlement I could provide a counter offer.

After weeks of attempting, addressing the IG again and contacting the collection agency, I was told they have a policy of not negotiating settlements between XX/XX/XXXX - XX/XX/XXXX. This blocked period of time is when they hunt down any federal income they can snatch. 

I believe this is an absolute abuse of power. This is a private bank exploiting service members for profit. They do not adhere to fair lending practices beacuae they are granted UNCONSTITUTIONAL collection capabilities.

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 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed inaccurate information multiple times with Transunion, XXXX XXXX and XXXX XXXX XXXX. These 2 accounts are not mine but still remains. 

{$1600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX 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 02-02-2016 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Problems when you are unable to pay

Complaint: Bank of America repossessed my vehicle for missing only one payment because of banking account information error. I was given a chance to correct the error after the vehicle repossessed. I did reach out to Bank of America to resolve the issue in writing but the bank chooses to ignore my request. In my letter I politely request the bank to return the vehicle so that I will continue to make the payment as agreed under the terms of the contract. The bank prefer to remain silent and go a head with their plan and sold the vehicle for much less than what it worth and unfairly hold me responsible for the balance. I kindly request for the consumer protection bureau to investigate strongly, and as a result, release me free of any responsibility to clear my credit report history. 
Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Debt collection (Credit card debt) with TD BANK US HOLDING COMPANY (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: TD Bank XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX This company has repeatedly contacted me after I referred them to my attorney. The last time they called was XX/XX/2018 at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2017 about Credit reporting () with CITIBANK, N.A. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have formally disputed an account Citibank N.A. says I owe. The formal Dispute was never communicated or recorded as disputed on my credit report within 30 days as directed by the FCRA. I sent formal letter of dispute in XX/XX/2016. Citibank said account verified and sent an account statement. Credit report in XX/XX/XXXX still showed no dispute had been communicated to all XXXX CRAs. I informed them that the account was in error. They continued to report negatively to Credit Reporting agencies. I have since received a letter demanding payment from another company called XXXX A collection company. Even though the account has been disputed multiple times, and they have been told this account is not mine, they continued to report negatively and sold the debt as a factual account to XXXX. I have never had a Citi Costco Visa, nor have I ever applied for one. The only card I processed associated with Costco was an XXXX which was closed and paid as agreed.

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 04-02-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I received a short sale approval to sell my home where Wells Fargo is the servicer and HUD/FHA is the investor of the loan. The approval letter was issued on XXXX/XXXX/16 and valid through XXXX/XXXX/16. I advised my negotiator that I would need a minimum of 45 days to close the file since the buyer has applied for a TRID loan which requires a mandatory 45 days to close. The Wells Fargo negotiator assured me this would n't be a problem and that I could request the extension when I was assigned a closer for the file. I requested an extension on XXXX through the closer and was quickly told that the request was declined. The closer told me that if the buyer could n't close by XXXX/XXXX/16 I was out of luck and the file would be closed and the that I would have to start the short sale process all over again. I went on to open a case for help through the Wells Fargo Customer Care Department where I was quickly called to say once again that I was out of luck. When I called HUD/FHA I was told that the I had until XXXX XXXX to close since this is the day the ATP ( Approval to Participate Letter ) from HUD/FHA expires. I told this to my Wells Fargo closer and was told sorry she could n't do anything. I then contacted the area assistant VP for Wells Fargo who said he was going to request a variance through HUD/FHA on XX/XX/XXXX. It is now XXXX/XXXX/16 and I still have not heard from back from him since. I 've left several emails and voicemail message for him and have not received a response.

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 07-12-2016 about Debt collection (Federal student loan) with Account Control Technology, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Account Control Technology-They constantly call my place of work when after I told them not to call and it is not allowed. They called me 4 time today. 2 times on my cell phone and 2 times at work. I already have an agreement to pay and I have paid with no problem.

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 06/22/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Bank of America lending officer ( XXXX XXXX, nmls ID : XXXX, ) will not provide Loan Estimate as per my request. All information outlined by the cfpb as constituting an application was provided to the lending officer.
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Request was reinforced by sending to link to cfpb website outlining the requirements.

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 03-02-2018 about Mortgage (FHA mortgage) with Ditech Financial LLC (AZ).
Issue: Closing on a mortgage

Complaint: One XX/XX/XXXX I completed a refi process with DITECH. Ditech created the deed of trust document with a recording # of XXXX. Now come XX/XX/XXXX I qualified for a revitialization program with the City of XXXX and upon closing, they needed the deed of trust, come to find out the deed of trust was never filed correctly from Ditech. I have been working with Ditech since last XX/XX/XXXX to get this issue fixed. As of the date of the complaint it has NOT been fixed yet and I now stand to loose the XXXX loan I qualified for to fix my house since the deed of trust is not recorded, nor is there a proper lien for Ditech. The City of XXXX can not move forward with all the work until this is fixed and I had contractors ready to work now I can't because of Ditech not fixing this deed of trust issue ... .please help!

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 with non-monetary relief
Consumer complaint received 12/13/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MA).
Issue: Other service issues

Complaint: I have tried several times online to close my PayPal online account. I have tried several times to close the account, but every time I try to do so through the website, it does n't work ( the site freezes ). I suspect they are preventing account closure on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Debt collection (Credit card) with CITIBANK, N.A. (MA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: These people call from different numbers and when I call them they never address themselves. I do owe a credit card debt but I can not make any payments right now since i only work part time and I am in school. They keep calling my place of employment which is illegal and asking my co-workers personal questions about me. I need this too stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MD).
Issue: Credit determination

Complaint: Regarding Application : AMEX EVERYDAY CREDIT CARD made on XXXX/XXXX/XXXX REF/SSN : XXXX To Whom It May Concern : American Express Executive Department I recently received a prequalifying offer and decided to apply for the Amex Every Credit Card, and unfortunately was denied. I was surprised for the denial as I have a FICO score of XXXX as of today with XXXX % low credit usage, total credit line ( {$4900.00} ) no missed payments and no negative history ( XXXX report enclosed ) While it is true that I have limited credit history equal to 6 months overall and 9 months on my oldest card, that is solely as a result of me being a new lawful resident of the US. I have a XXXX degree XXXX in XXXX and I am now a XXXX, XXXX. 

When I initially applied XX/XX/XXXX the AMEX representative told me that I should wait at least six months until I establish good credit history as a borrower : as I did. Could you please review my credit card application to see if there is a way I can be approved? If you 'd prefer to give me a smaller credit allowance, I 'd be happy to show my responsibility as a card holder. I do not currently have an American Express card, and my research has shown me that the Everyday card has an excellent reputation. As you can see on the initial application, my business, which I have for a 8 months brings me substantial profit $ $ $ $ $ $ worth of profit this year. 

I 'm including my Experian credit report on XXXX XXXX, XXXX for your convenience. 
Should you have any questions, you can contact me at XXXX. 

In terms of recent inquiries, please note XXXX inquiries are fraudulent and they are currently being 'disputed ' - it takes up to 60 days to have them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Debt collection (Medical debt) with Arbor Professional Solutions, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: ILLEGALLY REPORTING DEBT THAT WAS DISCHARGED IN CHAPTER 7 BANKRUPCTY. THIS DEBT IS DISCHARGED AS OF XXXX/XXXX/XXXX AND CAN NOT BE COLLECTED UPON OR REPORTED AS DEBT. WILL SEEK LEGAL ACTION IF NOT STOPPED

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 01/23/2018 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (NC).
Issue: Struggling to pay mortgage

Complaint: i had a idenity theft happen to me and somebody i knobelieve it is paid off my mortage without my concent and then about a week later they called in and pretend to be me and had the payment be reversed which now just put me behind on payments, now not only are they fight me about a payment that ws made by me and will not put it towards my balance but they are giving me a very very very rough time on working with me on something that happened and that was not in my control or my fault so they will not work with me to fix this so need help and i want whiever is responsable for also giving out my personal informatiom to pay for what they did and punished to the full extent including charges and being fired thank you for your time and concideration also if you have a fax number i can send over the rest of everything i have

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 11/13/2016 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (FL).
Issue: Taking out the loan or lease

Complaint: CNAC - FL118 Never validated the debt and my request how the loan was written off and negative information needs to be removed from my credit files

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (LA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX LAXXXX XXXX XXXX XXXX, 2015 Navient XXXX XXXX XXXX XXXX, XXXX XXXX Re : Request to lower my monthly payment for Acct # XXXX RE : Graduated Repayment Plan Dear Navient : I am writing to appeal the decision of denial for graduated repayments. 
You send me option for graduated payment plans and deny the plan the same day from the correspondence that was sent to me! How can I possibly pay you {$1200.00} dollars per month, and I do n't even make that amount! 
I have asked several times to work with me! I am willing to start repaying my loan, but I can not realistically pay you back an amount that I do n't make!! 
Please send my letter to a higher management personnel. I am truly trying to work with you, but asking for unreasonable payments when I clearly do n't even make that amount a month is asking too much! 

This is a copy of my original letter!!!!!!!!!! 

I am writing to you because I need to reduce my monthly private student loan payment due to a financial hardship. I am requesting a payment that allows me to meet my other necessary living expenses. 
Please conduct a review of my account to determine whether I am eligible for an alternative repayment plan. My total income at this time is only XXXX. I ca n't possibly afford a payment of {$1300.00} to Navient and pay my other living expenses to take care of my family. This payment is XXXX % of my total salary!!! I have enclosed copies of my check stubs to verify my income. 
Please help me lower my payments that I can afford and pay my mortgage and other bills.If you require additional authorization in order to reduce the amount of my monthly payment, please consider this letter a written request that you contact my employer or other authorized party to conduct a review of my account and provide a response within 15 days of receipt of this letter.If you do not grant this request for a reduced payment plan, I will be at risk of default. If I receive a reduced payment plan, I may be able to avoid default, which is in the best interest of all parties. 
If you determine that you are unwilling to provide a reduced payment plan, please provide the following information : Explanation and alternatives to helping repay private loans. 
In addition, if you are unable to provide any of the information or documentation I have requested or otherwise can not comply with this request, please provide an explanation. 
I hope we will be able to agree upon an acceptable repayment plan. 
Thank you for your cooperation. You may contact me at my available email or phone information. 
Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation