milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2017 about Debt collection (I do not know) with Integrated Recovery Services (OH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: the guy from Integrated Services used inappropriate language, contact family members told them I wrote fraudulent checks, and makes daily calls. I informed the guy that I did not take out the loan and also informed him of the police report that I filed when my personal info was given out without my knowledge. This guy threatened to call my husband and also knew exactly the make and year of vehicle that I drive ; he also knows very intimate personal info. He knew my whole financial history. I am afraid that they will get me fired from my job. The guy was extremely nasty! I tried to call the company in which they said I owe the loan to, XXXX and XXXX said they did not have the account due to the account being sold to XXXX XXXX XXXX, I called the number and did not answer. I do n't know what else to do!

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: your company failed to provide the required notice of additional required documents within  XXXX   (   XXXX  ) business days in violation of Regulation X,  XXXX  C.F.R.  XXXX  ( b ) (  XXXX  ) ( B ). Therefore, this client 's application is entitled to be treated as facially complete pursuant to Regulation X,  XXXX  C.F.R.  XXXX  ( c )  XXXX  iv ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I went into PNC today to cash a check that was drawn on their bank. They did not make all of it available, when I specifically told them to cash it and deposit it into my account!   This is t he 3rd complaint  against them in 3 days!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!   I need that money in my account NOW. It was a check for {$2500.00}, I received {$2200.00} back in cash, and the remaining {$300.00} should have been available now, and it isnt. I tried to call their corporate office, and no one is available ( as usual!! ) to speak to me about this, they absolutely refuse to make that {$300.00} available now!! They should be fined, big time.   And their website is not working to access my account either!!  Ther  is no note on their website that it is out of order. FINE PNC!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (Other debt) with The CBE Group, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victim of identity theft. My ID and wallet was stolen and several accounts were opened in my name. I have never had service or done business with XXXX or any of XXXX 's subsidiary companies. I contacted XXXX and the address they had service is not an address I have lived, worked or had any association with. I have filed a police report with the XXXX police department. The report number is XXXX I have attached letters from other creditors showing their investigations and the results of the investigations. I have also attached a copy of my photo ID.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have specified multiple times to FedLoan Servicing how I would like payments applied to my student loan. I told them I would like and amount I pay, over the minimum monthly payment, to be applied to the principal of my loan with the highest interest rate. I have told them this through their online messaging system as well as through postal mail. I also specify this in the memo portion of the check I send to them. They have acknowledged receipt of these instructions and have told me they will apply my payments to the loans in the way I have instructed. Sometimes, they apply my payment correctly, other times they do n't. When they do n't, I have emailed them and messaged them asking them to correct the issue and ask if there is anything I can do differently to avoid the problem next time. They never respond to me or correct their error. I feel they are are either intentionally incorrectly applying my payments to nickel and dime me into paying more interest, or that they are unintentionally making the same error multiple times. Either way, when I contact them to inquire about the issue, they should respond and they should correct their mistake. I know for a fact that I am not the only one this is happening to, as I have multiple friends who have experienced the same thing. 

I believe they made this mistake on payments to my account credited XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (Medical debt) with Firstsource Advantage, LLC (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Paid {$450.00} in XXXX 2017. XXXX XXXX XXXX  still reporting negative on credit report and claim they cant remove paid account off credit report but updated as paid. Not following the Fair credit act. I am aware XXXX XXXXe bought my debt online XXXX XXXX hospital sold account. XXXX XXXX hospital is VIOLATION my HIPPA rights to give information to XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Seterus, Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : Seterus Inc. Account # : XXXX I was never late 30, 60, 90, 120 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 02/28/2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Struggling to pay mortgage

Complaint: Modification paperwork was submitted, and we were told not to make payments during the modification process. We submitted documentation for the loan modification at least three times. XX/XX/XXXX, we received notice asking for two most recent pay stubs and YTD income for each job. On XX/XX/2014 we received notice from Ocwen that pay stubs for borrower one were not legible. The letter also indicated that a complete package for the modification must be received by XX/XX/2014, or a new loan modification would need to be submitted. XX/XX/XXXX, XXXX, and XXXX 2014 we received to notices requesting us to submit borrower 's one pay stubs. The pay stubs including all paperwork was submitted again. XX/XX/2014, we received a letter from Ocwen stating that the application was accepted. If more documentation would be needed, we would be notified in 5 days. XX/XX/2014, we received another letter stating that the application had been received. We would be notified within 5 days if more documentation would be needed. XX/XX/2014 foreclosure documents were delivered by the county sheriff 's department. We were given 7 days to vacate because the home was foreclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: Bank of american closed my credit card suddenly without telling me anything. I have been used for years and never had a late payment. Also, I have approx. {$62.00} cash reward in there and they did not redeem for me. I have called many times and nobody could help me. No reasons were given.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Debt collection (Medical) with Commercial Recovery Systems (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I would like to request another investigation. I am not satisfied with the previous one. The facts are not being delivered. The company has never supplied a copy of the original bill which includes original dates from the original business. 

The date of delinquency on this account has been purged. The original date of delinquency is very clearly stated on the bill and is stated as XX/XX/XXXX. Please have collection agency validate. XX/XX/XXXX is inaccurate. The collection agency must have a different bill than I have. The collection agency has clearly re-aged this account. Re-aging this account according to FCRA is against the law. The first date of removal for this account was somehow changed from XX/XX/XXXX. I providing the information I had which is clearly showed a different date than what the collection agency is reporting. This false reporting of information has been upheld by the both XXXX and XXXX. The company is using the date that the account was sent to them as the beginning date of delinquency. The company continues to report this invalid information to the credit bureaus. Several unsuccessful attempts have been made to have this removed from my credit.

Company response to consumer: Untimely response
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been contacted first saying and paying for one year {$1.00} so my loan would n't go into default. I 've called them on several occasions explaining to them that I am a single mother of XXXX but XXXX live with me the other is serving in the XXXX they say they will send me papers to help me with my student loan yet I never received anything. I receive medical food stamps and am on section 8 I have explained to them I am in financial hardship yet still I have n't received any paperwork from them all they do is keep charging interest it 's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with TD BANK US HOLDING COMPANY (MD).
Issue: Other transaction problem

Complaint: I went to the  TD Ba nk in  XXXX  MD on Friday,   XXXX   XXXX   XXXX     to cash a check for {$9000.00} that was written on a TDBank checking account. The  He  ad Teller , Ms.  XXXX   XXXX , assisted me with the transaction. She asked for my identification, which I promptly provided. She took a long time working on the transaction ( probably about  10   minutes ).  She consulted the computer an d one o f her colleagues ; and a t one  point went into the back. Finally, with another bank teller at her side, she told me that they would not be able to cash the check since it was for such a large sum and they had tried to reach the person who wrote the check by telephone to confirm that it was OK to cash the check. I responded by saying, " Why would you need to call him to cash the check? He has an account here and you should be able to confirm that he has sufficient funds with which to honor the check. '' Ms.  XXXX  explained that " this is a small bank branch and the check is for a lot of money. '' She asked if I had an account at TDBank. I told her " no '' and she asked if I wanted to open an account with them. I told her " no '' and that I have an account at another bank. I explained that I simply wanted to cash the check that was drawn on  TD Ba nk. She refused to cash the check. I had to ask her to return the check and my identification in order to get both back. I left the bank without being able to cash a check that was drawn on the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Mortgage (FHA mortgage) with First Direct Lending, LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: UNFAIR, DECEPTIVE OR ABUSIVE ACTS OR PRACTICES :  First  of all, I 've refinanced with First Direct Lending twice. I thought if I needed to refinance again, I would go elsewhere. I 've received several phone calls from various people with First Direct Lending and none with the " High Pressure Used Car Salesman '' attitude. Until I spoke with  XXXX   XXXX . This was by far, the worst experience I 've ever had,  XXXX   XXXX , Sales Manager, aka " High Pressure Used Car Salesman ''. The e-mail and voice mail message he left for me on  XXXX   XXXX ,   XXXX  , really made it sound like something was wrong with my current loan. It has been 7 months since the last closing and I thought whatever was wrong, why am I just now being notified. So, I called  XXXX  back, same evening,  XXXX   XXXX ,  XXXX  pst, to inquire further as to what was wrong with my loan and was informed of the following : " there is something wrong with the FHA  XXXX  No and FH A is refus ing to insure my current mortgage ''.  XXXX  was n't able to tell me what was wrong, but, according to  XXXX , " I could fix this by refinancing immediately ''. I informed  XXXX  that this was something I would need to think about and would get back to him. His comment was, " I need an answer now! '' Needless to say, I was the persisten t one a nd informed  XXXX  that I would phone back when I made my decision.     With the helpless feeling of what to do, I remembered that I was paying PMI on my mortgage. Where was those funds going? I called the servicer on my loan that same evening at  XXXX  pst and was assured there was nothing wrong with the   FHA Case No. and FHA was accepting the payments. Nothing had been rejected.
While having a conversation with an account officer   on  XXXX   XXXX ,  ( different institution ) it was suggested that I google the NMLS #. What I 'm seeing is he is active in 5 states out of 17. Not sure what 's going on with that.      A little bit about me : I work for a ba nk, Construction Lending. Wh ile I do n't have the extensive knowledge of putting a mortgage together, I do know when to question something that does n't make sense. CFPB needs to send  XXXX   XXXX  the strong message that telling customer 's lies falls under the " UNFAIR, DECEPTIVE, ABUSIVE ACTS OR PRACTICES ''. This causes harm! What if I had a medical condition? What would hearing this have done to me? A dditionally, we are just coming out of the housing crisis. We do n't need Account Officer 's ly ing to customer 's so the foreclosure crisis starts up again!

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 07/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: there is someone elses name on my transunion credit report. the names XXXX XXXX is not mine nor do I know this person. My name is XXXX XXXX and always has veen

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a student loan with Navient, where I pay over {$200.00} a month. I am supposed to be on a lower monthly repayment plan with them, even though it does n't feel like it. My first issue with Navient is that my co-signers were the ones who received letters that my plan was ending at the end of XXXX, not me. I am the account holder and I feel like this information should have been communicated with me first. I called them immediately and spoke with a rep about my monthly expenses and explained that I have a commission based job and my income changes month to month, so some months are harder than others. The man informed me that lowering my monthly payments would definitely not be an option and that I would have to start paying the full rate. He also said that nothing would be able to be done for me at all until they speak with my co-signers. I told him that I would rather not involve the co-signers because I am the account holder and I am the only one that pays the bill every month. The rep told me that my plan would end and that I would have to pay the regular rate. I told him that I could not afford any more than I am paying now and that all I could send every month was what I was already paying. The rep actually said to me, " Well you will just have late payments every month. '' I was not able to receive any help when I called Navient, hoping to get some relief with my student loans. I did not get treated like a person, I got treated like a number. The school that I attended when I received the loan was the University XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On the XXXX I was making a purchase from XXXX website for {$450.00} and after two transactions hit my bank for {$510.00} and {$540.00}. Called Bank of America right away and they reverse it. While the funds were not applied to the available balance, according to BOA it would take 24 hours. I waited 24 hours called back and was told that the money had been reversed already and but theres was major discrepancy. Fraud department agent put me on hold for 15 mins. And came back and told me that it was reversed. But that we should wait another 24 hours that the last agent should of given it more time just in case but typically thats how long it takes. That was yesterday. Today I woke up checked my bank and theres was nothing showing these transaction, had even occurred. Everything was erased. Reversals and the charges. Thanks XXXX I took pictures and documented everything from the beginning! This is very bad. My own bank is stealing from me!! and this is not the first time they do this to me!! Money disappeared from The account {$1000.00} gone from the account. I went to the bank and the banker was looking at me crazy and even smile and laughed at me with the agent on the phone which was the fraud department as well, and lastly told me that theres was no case to open because they had already credited the account. Completely ridiculous. I took all my money out off all account. NOTE ** this was all on my business account! BOA IS SAYING THAT THEY CREDITED MY ACCOUNT ALREADY, thats should be in there recorded calls I am sueing and posting every where what your Financial institution is doing.

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 10/13/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Describe what happened so we can understand the issue ... 
This is my SECOND complain about Bank of America. I did contact my bank several times about cancellation MIP but they refused to do so even after my first complain to your agency which I submitted on XXXX/XXXX/XXXX. Today I received phone call from XXXX XXXX Resolution Specialist Regulation Complaints Bank of America. He told me that he can not cancel MIP because of my outstanding balance. I bought my house on XXXX/XXXX/XXXX when it was appraised as of XXXX/XXXX/XXXX at {$210000.00}. Per FHA REGULATION my MIP MUST be automatically canceled " WHEN THE LOAN-TO-VALUE RATIO REACHES XXXX % OF APPRAISAL VALUE BASED ON THE ORIGINAL AMORTIZATION SCHEDULE ''. ( see attachment ). Which means that XXXX % from {$210000.00} appraisal value ( see attachment ) is {$170000.00}. On XXXX/XXXX/XXXX my balance was {$170000.00} but on XXXX/XXXX/XXXX my bank again charge me {$130.00} of MIP. And after my complain to your agency on XXXX/XXXX/XXXX they charge me again on XXXX/XXXX/XXXX {$130.00}. 
I am a citizen of this country and I refused to be ABUSED by Bank of America and their employers who stilling money from hard working people. I will never stop complaining until bank of America return my money. I will go to a media, I will get a layer, I will reach FHA loan administration and let them know how Bank Of America abused their power and stilling money from people. And after that I will take my mortgaged to a different bank.

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 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did n't apply for no credit for a auto loan or authorize nobody to use my information to apply for credit. A hard inquiry is on 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 09/22/2015 about Debt collection (I do not know) with ERC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Some debt collector keeps calling my work number ( which is a call center ) and leaves a message indicating that they have case in their office that requires immediate attention. There is no contact information left and this happens throughout the day several times. 
XXXX numbers that call appear to be local XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief