milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan modification,collection,foreclosure

Complaint: Since XXXX XXXX America 's Servicing Company on several occasions XXXX billed our mortgage payments making it look as if we 're defaulted on our mortgage. We 've brought it to their attention and they have n't fixes it. No we have a Sheriff Sale date of XXXX XXXX 2015. We 've ahad a loan modification to fix the problem only to have them do the same. Their claiming we have n't paid our mortgage in 5 yrs. This has been on going for 9yrs with.them. They 're reporting this on my credit report ruining my credit, and made XXXX hard pulls on my credit when I was n't applying for credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Bank account or service (Savings account) with ALLY FINANCIAL INC. (AZ).
Issue: Account opening, closing, or management

Complaint: I wrote to Ally Bank on XXXX XXXX to provide me account verification letter. Made few follows ups by email and chat. Since last 3 days - i have made four phone calls. In all spent close to 3.5 hours for this but have got nothing from them except plain assurances. Today morning - i was told that i will be getting it within 3 hours. nothing happened. Then called them during evening - they said may be tomorrow. Good amount of hold/wait time and inconvenience. I know ally is web bank - but these kind of stuff - it 's very difficult to deal with this bank. Has it been any bank with branch-this could be done in less than 30 minutes.

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 03-04-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt and another were paid years ago to an attorney 's office for collection. Please have the debt collector provide a complete detailed listing of all collection agencies and payments made to each for the life of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2016 about Debt collection (Payday loan) with ROC Asset Solutions, LLC (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Recieved a call from a gentlemen named XXXX he left me a message while I was at work. Stating it was in regards to a debt related to my social security #. He stated I had limited time to speak with him to resolve matter. He left a number to reach him at that was not the same number he called from. A few hours later several family members and friends contacted me stating they had been harrassed by the company trying to find me and they had disclosed my personal information to them. I know have people that have my contact information that I do not speak with and now being harrassed by family that I have gone through legal matters to stay away from. This company claims I owe a debt to them and I am not even sure who they are, I asked for documentation and was told it could be emailed to me. I expressed I do not want an email only a written letter sent to my home which I have not recieved. I also expressed they are not to contact anyone other then myself and not to give out personal information if this continues I will press charges. They continue to call and harrass myself and family/friends in this matter and I have not recieved any documentation of a " debt '' that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Debt collection (Other debt) with NRA Group, LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX is claiming that I owe them {$490.00} on a XXXX bill that I have no knowledge off, I try to explain to the company that I I do not own this account and they have no proof that this debt belongs to me They are refusing to remove this collection account off my credit report.

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 12/21/2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I bank at XXXX Bank. My checking account was erroneously debited twice by my mobile phone company and when I realized the error, it was too late to stop the second charge so I was given a credit. In the meantime, because of the second charge ( which was {$510.00} ) my account went into overdraft and I was debited {$370.00} in fees. 

I called the bank on XXXX/XXXX/XXXX. I was told that the overage was n't my fault and that I would be credited the {$370.00} but that {$180.00} was still pending and I would have to call the next day for resolution. 

When I called on XXXX I spoke to a different associate and was told that the rest of the money could not be refunded. Both the associate and the manager at the Resolution Office told me that either had no way of knowing who I spoke to or what was promised to me. 

I countered with, " you are a financial institution, I find it difficult to believe that your associates do not note resolution attempts on customer accounts. '' I work for a financial institution and in fact I write policies and procedures for a living so I told the manager that I wanted to escalate it further or I would have to file with the CFPB for excessive fees and gouging. 

He put me on hold. After five minutes he came back and said that he had spoken to the first associate and that she acknowledged I would receive a full credit. Of course he lied when he said he could n't research the resolution issue. This is an unfair practice designed to deny customers of their rights while overcharging their customers with exorbitant fees. 

I should n't have to fight to receive fair treatment. XXXX XXXX XXXX Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2017 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I my home was wrongfully taken from me and I have written you all several times

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 01/18/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: They charged off my account. I never missed a payment, so how can this be? They told me they charged off my account, because bank did a return check for speculation of fraud. These people who work at the bank, are liars! I needed this deleted off my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Debt collection (I do not know) with Ray Klein, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XX/XX/XXXX-XX/XX/XXXX I was a victim of identity theft. The person at the time worked for me in my house. They passed away XX/XX/XXXX and I started receiving calls for accounts that I had never opened. I filed an ID theft affidavit with the FTC and a police report. Most of the collectors ceased collection attempts after notification. Professional Credit Service ( PCS ) has continually harassed me about this debt since XX/XX/XXXX even after they have been provided the ID theft affidavit and the police report. Now they have sent me a letter stating they are going to sue me because I have not responded. I am attaching XXXX XXXX showing that I responded XX/XX/XXXX and XX/XX/XXXX. I also filed the reports with the credit bureaus XX/XX/XXXX and had to have security freezes put on my reports. I do n't understand why they are still harassing me on a debt that is not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 and XXXX XXXX XXXX were both paid off in full but both are still being reported as being late and in collection, charge off status.

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 03/21/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Problems caused by my funds being low

Complaint: I was charged for XXXX overdraft fees for items that were not time stamped and happened to be transactions that could be charged a fee. I deposited a check via the mobile app for {$27.00} on Saturday, XX/XX/XXXX of which {$0.00} was made available ; but would be available to cover items on XX/XX/2017. Over the weekend all the transactions for debit card transactions were posted to my account along with a withdrawal that I made at an ATM for {$100.00}. Per the account statement I had an available balance to cover the {$100.00} withdrawal, but Bank of America charged me a fee. Additionally, the items that posted that were debit card transactions were not charged a fee because I do not have overdraft protection and those transactions are not allowed to incur fees per regulations. The fees that were allowed, according to Bank of America, were not " time stamped '' so that bank posted them last and charged me {$35.00} per transaction because this was a withdrawal from my account. Again, I have opted out of overdraft protection, so those transactions should have not been paid. Also, I was charged {$35.00} even though those transactions occurred prior to many other of the transactions that have already posted. The fees were incorrectly added to my account. I contacted Bank of America to explain the situation and they would not reverse any of the fees. The only fees they charged to my account were the ones they could and they did. Bank of America would not provide me with any information about when the items posted and why that these three specific transactions ( which one was an ATM withdrawal ; I would think it has a time and date when it was withdrawn ) were not time stamped and caused the account to be accessed three late fees. I wanted to clear up the balance issue right away, but was unable to because of these incorrectly assessed fees. I wonder how many other customers are getting fees charged by Bank of America because transactions are not " time stamped '' which causes an inaccurate posting of the transactions which then causes a fee to be assessed? I know in my case I was charged three fees due to inaccurate posting of the transactions, which happened to be the transactions that Bank of America can assess fees on.

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 monetary relief
Consumer complaint received 01-05-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I took out a student loan at XXXX XXXX. The school went under but I was still at that point obligated under the loan. I ended up filing a Chapter XXXX Bankruptcy and received a discharge with the understanding that I would still be responsible for this loan. After the filing of the bankruptcy they refused to talk to me and reassigned the loan to my ex-wife who was co-signor on the loan. The student loan company has refused not only to talk to me ( because they claim I do n't have a loan with them ) but they also will not accept a payment. As this is my obligation my ex-wife could attempt to hold me in contempt of court. I am trying to figure out how I can pay my loan. The Credit Provider is Navient. I have on several occasion attempted to talk to them about this and there has been no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CA).
Issue: Managing the loan or lease

Complaint: I received a settlement check from my ally car financing company The check was deposited and it bounced in my account for amount of {$430.00} When I called to complain they said to send them proof because on there end it was cashed Which I submitted forms and every time I call them I get new reference new worker and no end result just that check is coming

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 11-11-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: I opened up a business with paypal. They locked my account and made me send verification about my business. I followed through on this and now they cancelled my account and wo n't give me my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello I just made a large payment of {$260.00} to  my Chase card two da ys ago online. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA sectio n 623.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (NY).
Issue: Account opening, closing, or management

Complaint: Synchrony Bank the issurer of my Amazon Store Card has demonstrated unfair practices concerning my account. Example : credits and adjustments my be reflected in my account but latter placed back onto my account as a charge. My XX/XX/XXXX statement is a fine example where 1. credits and adjustments were made purchases as well. 2. At closing I had {$130.00} available and a balance of {$1600.00}. 3. Interest charge is {$38.00}. My new balance is {$1600.00}. At this time my credit limit is {$1800.00}. 4. At closing, my credit limit is reduced to {$1700.00} and my available credits is XXXX. No addition information was supplied until after my statement arrived ten days latter.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I HAVE ASKED TO PLEASE UPDATE MY CURRENT CONTACT PHONE NUMBER WHICH IS ONLY (  XXXX  )  XXXX . Please delete past phone numbers (  XXXX  )  XXXX , (   XXXX   )  XXXX , (  XXXX  )  XXXX , (  XXXX  )  XXXX , (   XXXX   )  XXXX , (   XXXX   )   XXXX  , (  XXXX  )   XXXX  , (   XXXX   )   XXXX  , (   XXXX   )  XXXX , (  XXXX  )  XXXX , (  XXXX  )  XXXX , (  XXXX  )  XXXX , (   XXXX   )  XXXX , (   XXXX   )  XXXX , (  XXXX  )  XXXX , (  XXXX  )  XXXX , (  XXXX  )  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 10/15/2016 about Mortgage (Other mortgage) with Pacific Union Financial, LLC (CA).
Issue: Settlement process and costs

Complaint: In XXXX I financed my house. The payment we agreed on in contract is {$1000.00} and {$20.00} extra towards principle as my mortgage monthly payment for 30 years fixed. The total loan amount is $ XXXX and 4 % APR. However in the last few months my mortgage monthly payment went up to {$1200.00} including the {$20.00} towards principal. So my mortgage payments went up about {$120.00}. 
I called my lender, PACIFIC UNION FINANCIAL, they said it 's because the property taxes went up in XX/XX/XXXX, which is right after I moved in to the house. However the increase in payment and the letter I received for the increase started around XX/XX/XXXX. 
My concern is that I agreed on a payment that I 'm I can afford and comfortable with. However I ended up paying more which is affecting me in a negative way and I am afraid I will fall behind soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Mortgage (FHA mortgage) with LoanCare, LLC (TX).
Issue: Trouble during payment process

Complaint: Hello, My account has recently been taken over by Loan Care. I can not get in contact with them. I was able to speak with them one time, but nothing after. I received some tax bills and, since my taxes are in escrow, I wanted to know if they are paying these. I've been trying to find this out for weeks. They will not answer the phone and then their automated system hangs up on you. Also, I can not seem to access the website. Please help! What should I do? My taxes will be late if I do not find out this information. I'm helpless to them as I did not sign up with them, my loan was sold to them and now I can not seem to do the business that I need to do with 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 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: On XXXX XXXX, XXXX I was alerted by Equifax my information was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Issue with chase banking/credit card service Hi, I have been using different type of credit cards along with chase credit card.. I have made a balance transfer on the credit card worth of XXXX $ at 0 % promotional APR one year back and I have been signed up for paperless statement and alerts to my email.. After an year, when I have opened my statement online, I have seen interest charge of {$140.00} ( on XXXX XXXX 2017 ) of balance transfer interest, without notifying me of my promotional APR of 0 % ends.. where as other banks use to alert me when their promotional APR ends.. seems chase has no such facility.. They do n't even mention anywhere saying that they do n't have such system FYI ... I have been using chase credit card since last 5 years never missed any payments and done on time When I spoke to customer care regarding this they do n't have proper answer to me and in the next month middle I have paid my balance in full as soon as I realized the ending of promotional APR They still charged me {$95.00} for the previous days in the month

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/23/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: XXXX XXXX did n't explain the loans and did n't tell me about the loans being private. they also told me that I could pay {$25.00} and there was nothing that could be done to me which is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX sold my mortgage to BSI 8 months ago. I was working on a loan modification with XXXX before they sold my mortgage which was quite time consuming. Then the nightmare of switching companies began. I never received anything from BSI until XX/XX/XXXX. They gave no real information just sent a generic letter saying send money thru XXXX XXXX. I immediately thought this is a scam. After a lot of work on my part I was able to talk to someone at BSI about my loan and XXXX XXXX is who I spoke with and she sent out information. She told me how they were going to help me modification will be speedy process. 

Now it is XX/XX/XXXX and I send all the paperwork in to her and then she tells me I need to send more or it will be rejected by XX/XX/2015 I send everything in before that date and they have it. I get a call saying it is be reviewed by the investors and I will know in 30 days. I hear nothing from them so I call my point of contact XXXX XXXX who tells me I never sent the paperwork in. I tell her I did and received a call. She tells me I am wrong then places me on hold. When she returns she states I was correct and she has the information and will send me out a form confirming she has it. I told her your date will be past the due date and she stated it was just to confirm she had everything from me. On XXXX XXXX I received a call from a seperate department telling me my payment was late and my request was declined. I told the person I was talking to that I had no notification of this and she said XXXX is going to mail it out to you. On Monday XXXX XXXX there was a XXXX envelope with the letter inside and another one saying I will be charge a late fee for my mortgage. My payment was not late and I called leaving a very nasty message. XXXX XXXX called me at XXXX stating she was wrong to send that and that my account has never been late verbally but nothing in writing. I was told I have until XXXX XXXX to dispute their finding. I think it is funny that they give you a week but never do what they promise. They said no because they are using Gross Income and not our Net Income. 

We just want our payment lowered so we can buy food to eat really the XXXX payment has our DTI at XXXX % but they are using the Gross Income of XXXX % to say we are fine. This is not the case.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation