milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2017 about Mortgage (FHA mortgage) with MONEY SOURCE, THE (NJ).
Issue: Struggling to pay mortgage

Complaint: We successfully applied for a mortgage modification in XX/XX/XXXX with XXXX on our MoneySource loan. We paid all three trial period payments and were granted modification. I was subsequently laid off from my job in finance during economic downturn. We were unable to pay mortgage thereafter. I regained employment in XX/XX/XXXX and reapplied for the mortgage modification with MoneySource and we were accepted into the modification trial period in XX/XX/XXXX to begin in XX/XX/XXXX at {$2400.00} per month through XX/XX/XXXX. We made the XX/XX/XXXX and XX/XX/XXXX payments in a timely fashion and then we were told that they would not accept our third payment in the month of XX/XX/XXXX because they had made a mistake in granting us the modification trial period due to the fact that FHA guidelines require a 24 month period between loan modifications and in our case there had only been a 12 month period since our prior modification. Presumably the mortgage company should have been fully aware of this FHA policy prior to granting us the new modification trial period. As a result, we had no choice but to wait an additional 12 months until the 24 month period had lapsed and save mortgage payments to the best of our abilities. 
We applied again in XX/XX/XXXX and were accepted on XX/XX/XXXX to a new modification with three months of trial payments to begin in XX/XX/XXXX at $ XXXX/mnth. We paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX mortgage trial period payments in a timely fashion, however, after making the final payment in our trial period, we were told that due to the recalculation of escrow amounts after the end of the trial period in XX/XX/XXXX, an increase in escrow had made it such that our mortgage payment levels to be paid on a monthly basis were no longer at an acceptable dollar amount and that we must apply for a new modification trial period again from scratch. It turns out that due to the Money Sources incorrect escrow calculations, we had been set up to fail in the trial period even though we met the guidelines that had been set forth for us. Several requests to receive a response in writing outlining the specific reasons for the denial after we had successfully complied with the trial period went unanswered. 
Also, in parallel to the mortgage company seeking a new borrower response package from us ( including paystubs, forms, etc. ) to qualify for a new trial period beyond the 3 month trial period we had just successfully finished in XX/XX/XXXX, we received a letter in XX/XX/XXXX announcing the mortgage companys intent to accelerate and foreclose. Clearly, if we were being asked to apply for a new modification trial period, the mortgage company should not be also pursuing foreclosure at the same time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2015 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (CA).
Issue: Problems when you are unable to pay

Complaint: Bought a lemon Smart Car from XXXX. Six months later needed tires and XXXX did not cover under warranty. The loan was with TD auto Finance. I filed bankruptcy and the loan was included in the BK which was discharged on XX/XX/2013. On XX/XX/2013 I voluntarily surrendered the vehicle. TD auto Finance is showing on my credit that I still have car payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2015 about Debt collection (Credit card) with U.S. BANCORP (LA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Receiving calls in excess of XXXX times a day and nonstop on weekends. Have asked repeatedly to stop calling during inconvenience times and on weekends. They reply with " we are debt collectors and are allowed to call whenever we want, even if you have asked to stop, in order to collect a debt. '' They are rude and are harassing myself and my family. The debt they are attempting to collect has been paid and there is no debt to be collected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am on an IBR plan. I recently changed jobs ( I am now earning less than before ), and emailed recalculation paperwork to adjust my monthly loan payment relative to my new salary. I sent the paperwork in on XXXX XXXX, XXXX. When I did not receive an email confirmation that my paperwork was received, I sent it two more times : XXXX XXXX and XXXX XXXX. On XXXX XXXX, I called Nelnet to confirm receipt of my paperwork. The Nelnet representative confirmed my paperwork was received on XXXX XXXX and that all information necessary to process the recalculation was in the system. When I asked for a confirmation email that the recalculation would be applied to my XXXX bill ( my payment due date is the XXXX of every month ), I was told that it " probably would be '' but he could not confirm because their paperwork processing department is so backed up and they were still processing paperwork received on XXXX/XXXX/XXXX. ( Note : During my annual renewal process in XXXX of XXXX, I was told by a representative that their paperwork processing time is 30 days. ) I then asked to be escalated to the manager. The manager told me they could expedite my paperwork so it would be processed in 3-5 days, but they could not confirm that it would be applied to my XXXX payment. I then asked to speak with her manager. Her manager told me that he could not confirm that the recalculation would be applied to my XXXX payment, and also that expediting my paperwork was also not an option. I then asked to speak with his manager, at which time I was sent to the Resolution Department. XXXX in the Resolution Dept told me that they would not confirm the recalculation would be applied to my XXXX payment because " while there is a 30 day processing time, we require an additional XXXX days to apply the changes to your account. '' I then asked XXXX to verbally confirm that while their policy states 30 days of processing time, they also have an additional 3-5 days processing time. She confirmed this was the case, which was not consistent with what I had been told in XXXX XXXX. I asked XXXX to email me this in writing, which she declined to do. I asked for her contact information, which she declined to provide. After asking why there was no way to contact her directly, she gave me her telephone extension. I then asked to be transferred to her manager, which she declined to do. After more discussion she agreed to send me to her manager 's voicemail, but then she hung up on me. All of this took more than 30 minutes. I simply would like to have my paperwork processed within the 30 days I was told it would be, and have my XXXX payment reflect my new salary.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Telerecovery Corporation (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Telerecovery placed a debt on my credit report that does not belong to me. The company that hired them called Telerecovery and verified the social listed in the records was incorrrect and requested the information be updated and removed from my credit report. I asked Telerecovery for something in writing advising this was an error and they have submitted the request to the credit bureaus to remove the account. They advised me the company does not provide written documentation of such request. The supervisor advised they already submitted the request and she could verbally give me the AUD # of the request they submitted. When I asked to speak with her manager, the manager advised that the request had not been submitted and they are " working on it ''. The fact that these people are frustrated that I 'm asking for this information based on their error and incorrect information is astounding and completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Bank account or service (Other bank product/service) with U.S. BANCORP (OH).
Issue: Making/receiving payments, sending money

Complaint: I asked US Bank Home Mortgage for their help when I was 3 months behind in my mortgage as a result of being a XXXX and not having income ( unemployment ) during the months of XXXX, XXXX, and XXXX. XXXX XXXX requested assistance resulted in a XXXX XXXX offer to pay an increased monthly payment to include the months I documented as months of unemployment ( XXXX and XXXX ). I rejected their offer to pay MORE MONEY during those months and continued to pay my mortgage during their decision process ( XXXX XXXX to XXXX XXXX ). My continued payments left me owing only one month past due, not including late fees. However, US Bank refused to accept a full mortgage payment XXXX XXXX, XXXX in the amount of my original payment BEFORE THEIR mortgage assistance offer started. Making this payment would bring my account CURRENT ; however, they refused to accept it. It was refused and returned to my bank through automatic bill pay. If they had accepted the XXXX XXXX, XXXX full monthly payment my account would be late by 30 days. Additionally, their offered assistance plan does not start until XXXX. I refused their offer since it included making payment during months I have no income. I am additionally disappointed with US Bank 's offer because they pursued evidence of my income for just 9 months of XXXX and ignored their own investigation ; they also refused to help me address more than {$1000.00} in late fees. This was help I could have received without a 6 month wait. I could have achieved their offer in one phone call. I SENT A LETTER TELLING US BANK HOME MORTGAGE THAT I DID NOT WANT TO ACCEPT THEIR OFFER OF HELP FOR THE ABOVE REASONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX, a TV shopping network, closed my account after years of doing business with them due to results from an investigation that was provided by TransUnion. XXXX used TransUnion 's XXXX online investigative system to investigate me ; the results from the report provided by this system incorrectly linked my account and me to someone whom XXXX says owes them money. I do not owe XXXX any money and XXXX has acknowledged this as well. In addition, XXXX corporate headquarters will not give me access to the results of their investigation although I have requested them numerous times. XXXX maintains that they can not release information about my account to me because there is a debt owed to them and the person who owes the debt has to give XXXX permission to give me information about my account! 
The information provided by TransUnion has adversely affected my relationship with XXXX because they have closed my account permanently and, it may potentially be damaging other business relationships as well ; therefore, I need to know exactly what is in the report provided to XXXX by TransUnion, how TransUnion 's online system is linking me to people and accounts for which I am not responsible and any consumer report TransUnion has regarding me. Most importantly, I need the information corrected immediately.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: They did not devote enough resources to protect my personal information they were entrusted with, see link below. 

https : XXXX I checked the link on their website and they verified my information had been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Problems caused by my funds being low

Complaint: My citizens bank account in 2011 was hit by a payday loan firm multiple times a day causing me to achieve overdraft fees of over XXXX dollars. I asked the bank to freeze my account so this would not happen and they told me they could not because I was at a negative balance. I had to get a law firm to send a letter XXXX the put my account on a freeze. By then it was XXXX dollars in the hole and not a single penny was a result of an overage. Every single cent was b/c of nsf charges so this cost the bank XXXX dollars but is still on my chexsystems report. Its killing me on getting a car loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: About 3 years ago I finished college and entered a payment play with navient. When I called them, I specified my future goals were to use the XXXX forgiveness plan and the public service 10 year forgiveness plan. I was advice to enter a 30 year consolidateed plan. Last week I called navient to see my progress to that goal and make sure I had the write paperwork to turn proving my past three years of publoc service. I was told over the phone that my payment plan was not eligible for forgiveness, I needed to enrolled in the income driven repayment plan. I had made 36/120 faith full payments ( $ XXXX ) wasted to be told I had to start all over gain. The difference between the XXXX plans? Barely {$500.00} dollars in their favor. I have talked to many different public school teachers who got the same advice I did. It is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Jefferson Capital Systems is claiming a debt of {$550.00} which was settled directly with XXXX and XXXX XXXX XX/XX/2013 ( Can provide letters and certificate of mailings ). I have writen to Jefferson Capital Systems under the Fair Debt Collection Practices Act, Section 809 ( b ) and they still are telling the Credit Agencies that the debt is valid although they have failed to verify the debt, specifically : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is owed ; 3. Provide a verification or copy of any judgment ( if applicable ) ; 4. Proof that you are licensed to collect debts in ( insert name of your state )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2017 about Vehicle loan or lease (Loan) with SOUTHERN AUTO FINANCE CO (NC).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Safco Acct XXXX is reporting on my credit report. 
Contact Number XXXX Purchase date XXXX XXXX XXXX Voluntarily surrendered the vehicle due to lemon car Voluntarily surrendered Vehicle call in on XXXX XXXX, XXXX to have the vehicle picked up. The vehicle was picked up on XXXX XXXX, XXXX. The vehicle was auctioned on XXXX XXXX, XXXX. I spoke to XXXX in the Deficiency Department on XXXX XXXX, XXXX. Per XXXX the information is accurate this vehicle is notated in their records as a voluntarily surrender and this vehicle was auctioned off on XXXX XXXX. XXXX contact is XXXX along with his coworker XXXX I Dispute with the credit bureau no actions were taking on behalf of Safco after disputing. 
I am asking that this be DELETED from all Credit bureaus. XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Checking or savings account (Checking account) with WESTERN UNION COMPANY, THE (WA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Western Union took { $540.00} out of my bank account via debit card hack by a scammer/hacker under the name of "  XXXX   XXXX  '' ( that 's not suspicious!! ) even though this name in no way is similar to my own name. And then upon being notified that it was a fraudulent charge and was still pending on my bank account, they refused to cancel it or reverse it.     {$540.00} on  XXXX / XXXX / 17

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit card () with U.S. BANCORP (MA).
Issue: Closing/Cancelling account

Complaint: I have been a long time Fidelity Investment customer. I have used their Fidelity credit Card which XXXX rewards. This year they moved platform and issuers. The transition has been a horrible experience. I have never missed a payment have 700+ credit. When the moved issuers to Elan. I have not been able to pay due to an ineffective website. To called to cancel my card twice and also sent a complaint through the investment portal. My card has not been canceled not has Fidelity responded to my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: I open a check account for my XXXX daughter XXXX XXXX at bank of America at the time we open the account we made sure that it was not allowed for the account to over draft or allow any aver payments but the bank has charge my daughter over limit fees and over draw fees I contact the XXXX Bank of America but no help, I ca n't afford to pay those unarguably fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit card () with CITIBANK, N.A. (IN).
Issue: Customer service / Customer relations

Complaint: I received a Citi Prepaid Services card, and on the back of the letter that came with the card, it said ( as can be seen on pages XXXX and XXXX of the attached document under the section EXPIRATION DATE ; AVAILABLE FUNDS DO NOT EXPIRE ) " if you do not use the full amount on your CITI PREPAID SERVICES CARD by the expiration date, we may issue you a new CITI PREPAID SERVICES Card automatically, or you can call customer service to request a new CITI PREPAID SERVICES Card ( the " Replacement Card '' ) ''. However, when I called customer services to receive a new card after the old one expired while there was still money on it, they said they could not and have never been able to issue me a new card. They asked me to fax the document over, which I did, and now they are giving me the runaround and acting like they never received the fax. Thus, not only have they intentionally given me false information on the letter, but the customer service was some of the most unhelpful and rude that I have ever encountered.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/30/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (FL).
Issue: Settlement process and costs

Complaint: I was trying to modify my FHA loan, and the lender ( U.S. Bank National Association ) denied me base on " insufficient down payment '' requirement. FHA does not require a down payment, since then they have tried to gain possession of my property. I have a court hearing tomorrow XXXX/XXXX/2015 in XXXX to try to stop this injustice. This has been a great burden on me and my family.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Slovin & Associates Co., LPA (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX has filed a law suit to collect on a debt that is not accurate. Since the date of supposed missed payment, my father, and has paid the amount XXXX different occasions and there is a chat transcript that verifies that payment was made given, and still XXXX XXXX XXXX proceeds to assert inaccurate information about debt being owed and continued harassment predatory in nature. Attempts to validate the debt has failed with the creditor as there has been more than XXXX collection companies also trying to collect on the same supposed debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/23/2016 about Bank account or service (Checking account) with BANK OF THE WEST (NE).
Issue: Problems caused by my funds being low

Complaint: I had declined all overdraft protection on my account per debit card and other transactions. I was told that I could not do that on recurring transactions though but they did credit those fees and told me it would no longer go through if there was no money in my account. Month later I get back from out of town to find multiple overdraft fee notices in my mail. So I finally check into my acct which I was unaware had a problem to find that I had a balance of $ -XXXX and that over {$1700.00} of that negative balance was just in fees alone. I spent multiple hours on phone trying to resolve the issue about charges that were n't to go through and asked them to credit their ridiculous fees and if so my acct would be in good standing as it should be to which they refused. Since then I stopped using that account and quit direct deposit cause it was never ending cycle of fees they are still s being to this day.

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