milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-02-2017 about Student loan (Federal student loan servicing) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XXXX XXXX, I presented to bank of America, in person, my paid in full balance of XXXX for my student loans. It was received and accepted By a local branch manager in the city in which I lived, and they then in turn sent it to domestic collections in XXXX Texas as a final destination for my payments so that I may get credit for it. I then waited about 3 weeks and had not heard anything back from Bank of America at all, but I traced the payment that was sent overnight to their collections department and found that it was received on XXXX XXXX. As a follow up, on XXXX XXXX, I Then wrote the chief financial officer, XXXX XXXX, in their corporate center in XXXX and demanded I get a credit for my payment. In the letter I gave them two weeks from receipt to respond and to date have not received any correspondence in regards to my demand letter. In the demand letter I included the tracking info and copies of the documents that was received and accepted by the bank of America branch in my city.. 
Yesterday I spoke with my servicer, XXXX and they said they never received payment.

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 01-04-2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (KS).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I have a XXXX prepaid account. On XXXX XXXX I attempted to withdraw {$300.00} from an atm. The money was not dispensed but the account showed the money was dispensed. I went to XXXX XXXX in XXXX KS the owner of the atm who told me they would do a count and give me the money back if there was a discrepancy. I returned in XXXX XXXX and was told the count has not begun. I returned on XXXX XXXX and told again the count had not begun but totals would be ran and I would receive a credit to my account. I did not receive any credit. I called the bank on XXXX XXXX and was told I would receive the money back from my bank after a dispute. I filed a dispute with my XXXX Prepaid account on XXXX XXXX. I called on XXXX XXXX, XXXX to ask about a provisional credit and was told I could not receive a credit until the investigation was complete. I was told Id receive an update on XXXX XXXX regarding the dispute but that even then I may still not receive any credit until 45-60 business days when the review was complete.

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 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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  is reporting late payments to all  XXXX  credit bureaus for  XXXX . During this time i was going through loan modification due to a financial hardship.  XXXX  took about 6 months to complete the process. These late payments should not be reported they are negatively impacting my credit profile and my ability to qualify for programs and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Receivables performance is posting a collection account on my credit for {$87.00} - the original creditor was XXXX - the issue is that I moved, and XXXX installed services at my new residence, but was unable to provide continuous services at that address, the service was spotty and intermittent at best - I called them to cancel services, because they were not able to hold up their end of our contract, and they terminated service, they came out and picked up the receiver boxes etc ... I am not liable for this XXXX, as I was not the one who initiated the termination of contract, the company XXXX was unable to provide services at my residence, therefore they were unable to hold up their end of our contract.

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 12-08-2015 about Payday loan () with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: I received a letter for a short term loan from a company called Castle Payday. Having been hit with unexpected expenses, I contacted them and received a loan in the amount of XXXX and was told that finance charges would total XXXX, though high, I accepted. 

The loan documents that I was able to view at that time did NOT show the " Truth in Lending Disclosure '' that is part of them now. that I would be making interest only payments totaling {$1500.00} plus the amount of the loan for a total payment amount of {$1800.00} for a {$350.00} loan. 

The practice is beyond deceptive and a quick check of this company online shows many victims in the same boat as I am. I am continuing to make payments as per the agreement ( which again I was told would have a finance charge of {$120.00} not {$15000.00} ) for fear of having my credit impacted. This is a deceptive loan practice and have learned by a quick search that I am far from the only person to have been scammed by these people. 

A quick search of the internet showed that even though they are a " Tribal '' lending ( and I use that term to be polite ) company, that the FTC has been granted authority to go after companies that engage in these practices. 

In any court, finding that a company is charging at finance charge of {$1500.00} for a {$350.00} loan totaling charges of {$1800.00} is, to the best of my knowledge, illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX has failed to provide me a copy of statements after mutable attempts, XXXX XXXX have not given me a copy of records of all payment that I have made 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 04/14/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a letter from my bank denying me credit because of an Equifax report that indicates I have XXXX high balance/delinquent accounts. This is not true. I do not carry a balance on my cards from month to month. Also, according to this report my credit score dropped from mid XXXX to XXXX in a matter of 5 days. 
Annual credit report.com site claims I have already received all XXXX reports this year and I have not asked for nor received same. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I was on the phone very long with trans union and finally a representative came on the phone to supposedly resolve my issue, however, they simply gave me the run around about doing a phone verification, but never did it after XXXX additional calls and long wait times again they finally informed me that they cant get it done.

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 06-01-2017 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (NJ).
Issue: Trouble during payment process

Complaint: Roundpoint Mortgage completed an escrow analysis on XXXX/XXXX/2017. After such analysis my monthly payment amount increased by over $ 250/month ; however there was no change to my escrowed items. The only escrow item is for property taxes which have actually decreased from the prior year. I have been calling Roundpoint Mortgage since midXXXX to no avail. I was told by a CSR that I was unable to dispute the new payment amount and that I needed to make the payment by XXXX XXXX, 2017 or I would be assessed a late fee. I have never been late on my mortgage and value a good credit rating so I made the payment on XXXX XXXX, 2017. Since that time I have contacted Roundpoint numerous times and spoken with ( 8 ) eight representatives ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) and continue to get mixed information. No one is capable of resolving my issue or providing me with an explanation for the increased payment. I have emailed proof of insurance coverage ( Flood, Hazard, Content ) to ensure these items were not escrowed.

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 10/22/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (IL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I discovered over 80 fraudulent checks that were written by my ex wife and her family out of my checking account with PNC bank. I brought this to the bank 's attention and got the runaround for months. At the end of their investigation I was told there was nothing they could do to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I recently disputed a account from XXXX Bank formerly XXXX XXXX Bank regarding a XXXX Consumer Credit Card # XXXX this credit card was fraudulently opened using my personal information. The Bank investigated the matter then removed the account from my personal credit information And furnished me with a copy of their investigation results. However XXXX XXXX Sold the debt to a Collection agency called Pressler and Pressler LLP of New Jersey and this agency keep harassing me about this debt that has already been resolved with original creditor ( XXXX XXXX Bank ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit card or prepaid card (Government benefit card) with Comerica (NC).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I am XXXX and can not call. I was overcharged ( double charged ) {$11.00} by XXXX on X/X/17 at XXXX when I purchased minutes online for my cell phone. XXXX charged me twice for a single purchase. I contacted XXXX via their chat option on their website. I was told that they can not reverse the charge online and that I would have to call to get the charge reversed. The nice lady at the XXXX XXXX  tried to make the call for me but XXXX just kept adding 30 minutes wait time to speak to anyone and she did not have time to keep holding. Because I am XXXX and do not have XXXX XXXX nor a land line I could not call Direct Express to get them to reverse the charge so I wrote a letter as their web home page says you can do. I enclosed a copy of my printout of the chat conversation with the XXXX people as well as a printout of my Direct Express account that shows the double charge. I included all of the information the website says they will need to resolve the matter. I sent the letter and proof of the double charge to Direct Express on XX/XX/XXXX and again at the end of XXXX. The charge has not been reversed and I have not heard anything from Direct Express about the matter. Please help me get my money back. It is not much but when you live on XXXX and have to choose between food and medicine each month, {$11.00} makes a big difference. I am attaching proof to this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/21/2015 about Debt collection (Payday loan) with Big Picture Loans, LLC (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Collection agency is calling repeatedly to my work, including calls to my supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 have made three separate requests for Transunion to either provide physical verification of the original signed consumer contract -any and all accounts you post on a credit report per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Instead of providing the physical verification I have requested, they have treated my letters as disputes and provided a print out stating that they have verified the disputed accounts. If the FCRA requires credit reporting agencies like Transunion to keep on record physical copies of consumer contracts and other documentation and that they be able to produce this documents upon request or delete the items from they should do so without having to be goaded or having a complain filed against them. <P/>According to the sworn testimony of XXXX XXXX XXXX before the Subcommittee on Financial Institutions And Consumer Credit of the COMMITTEE ON FINANCIAL SERVICES on XXXX XXXX 2003 the  credit reporting agencies are flouting the FCRA and allowing furnishers of the report ( creditors and collection agencies ) to manipulate the CRA requests to ensure that all both companies records match. ( 1 ) Transunion has cleared three of the original derogatory remarks for which they can not provide verifying documentation. However 4 such marks still remain and no documentation has so far been provided. <P/><P/>1 ) See attached testimony particular pages 9-10 of the XXXX XXXX 's testimony. Or view it here : https : //financialservices.house.gov/media/pdf/060403lb.pdf

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 02/16/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Struggling to pay mortgage

Complaint: I have been negotiating a repayment plan with Wells Fargo. However, every time we had an understanding, Wells Fargo " moved the goal posts '' beyond my reach. I asked them, through XXXX XXXX XXXX, who helped me during this stressful moment, for a reinstatement figure. However, Wells Fargo gave me an inflated amount orally. In other words, they never had the decency to give me a written reinstatement letter. Even though we were talking about a repayment, they went forward with a foreclosure process against me. On or about XX/XX/XXXX, they said that they were going to include legal fees on my reinstatement figures. Finally, I got a reinstatement letter after several attempts. One of Wells Fargo 's representatives asked me if " I had the money to pay them back. '' In other words, the reason why I never got a reinstatement letter before was because the people who handled my request for repayment thought I was not going to be able to pay them back. On or XX/XX/XXXX, paid them {$13000.00}. But, days later, Wells Fargo, through their attorneys filed a foreclosure against me. I think they also say I owe them {$300.00} because of late fees. I hope they do the right thing and forgive said money. It is unfair that they spent legal fees on a situation that we were working 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 explanation
Consumer complaint received 02-11-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: PNC 's has failed to comply with Dodd Frank regulations relative to loss mitigation underwriting. On XXXX XXXX, XXXX, counsel for the borrowers received a letter dated XXXX XXXX, XXXX from PNC 's Counsel. At no time prior to XXXX XXXX, XXXX were borrowers provided with this letter. On XXXX XXXX, XXXX borrowers law firm provided additional documents to PNC in response their request for additional loss mitigation documents. Given this XXXX XXXX, XXXX submission, PNC was required to respond on or before XXXX XXXX, XXXX as required by the XXXX enacted provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) Public Law 111-203, 124 Stat. 1376 ( XXXX ) ( XXXX XXXX XXXX Final Rules ) Regulation X, which address servicers ' obligations regarding mortgage loss mitigation options, loss mitigation policies and procedures and evaluation of applications for available loss mitigation options. No such timely response was received. Next, the letter of XXXX XXXX, XXXX does not specify what documents were missing or what was incomplete. The letter stated in pertinent past as follows XXXX We have completed our review of your hardship assistance request under the Making Home Affordable Program ( MHAP ). However, we are unable to proceed further with your request for assistance, for the following reason ( s ) : - Request Incomplete We are unable to offer you a Home Affordable Modification because you did not provide us with the documents we requested. A notice which listed the specific documents we needed and the time frame required to provide them was sent to you. 
XXXX However, no such notice was provided with this letter and all prior requests for additional information were fully responded to, with counsel for PNC acknowledging receipt of the submission and confirming transmittal to PNC directly. 
Borrowers contend that this was a constructive denial of a modification. PNC has not complied with Dodd Frank regulations in connection with this modification application.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I went to my closest chase bank in XXXX NJ to report that there was transaction on my bank account that I did not recognize. This transaction was made for {$290.00} on XXXX XXXX XXXX. I talked to a representative there who told to first contact XXXX XXXXl and then if I could not resolve it, to call the bank in order to open a claim. I did just that. I called XXXX XXXXl and they promised me to refund the money. XXXX XXXX reported that some one named " XXXX XXXX '' had used my bank account and routing number to purchase an XXXX  through XXXX. XXXX confirmed the transaction. I waited about 2 weeks and no refund. I called Chase and I opened a claim. The bank assured me that they will block my account to prevent future events. They also returned the money XXXX while they were investigating. Chase told me that they will send me a letter that I was going to sign and return ( which I never received ). A few days later, the money was taken out of the account ( XXXX XXXX ) without notifying me of anything. 
I called the bank and they told me that they could not do anything about it because 60 days had already passed. But I was never told that when the claim was opened, 60 days already passed since the transaction and they opened the claim anyways and did not notify me that it was not going to proceed. I was told by XXXX the supervisor at Chase over the phone that people were there to open claims but they are not supposed to tell that it is not going to proceed because 60 have passed. 
I asked how they protect my personal information by authorizing a transaction without information that matched my account. THey had no answer for me. I was told that they could not do anything about it. 
Also because it was a High School account that I shared with my daughter there is a limit expenses of XXXX $ no more. So how did this transaction was approved. 
Chase bank does not have answers for me. 
XXXX always very hard to get to speak with someone and one someone answers the phone they says that the claims department is close. pls help XXXX XXXX XXXX account ending XXXX DOB XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The college I was attending abruptly closed and went out of business. The reason I was told they closed was because they were mishandling student loan monies from the students that were enrolled. They ended up filing for bankruptcy. I was enrolled in that college for 2 years and they kept every penny of the federal loans I applied for. I never had a chance to graduate or receive any type of diploma or certificate. I explained that I will not be responsible for a debt that I did n't mismanage. That was the school 's doing. They mishand led MY loa n money so therefore I will not be repaying back money they fraudulently stole. I applied for loan forgiveness because students from that school are/were eligible due to this whole situation. They denied me because they said I took an unexcused leave of absence which is not true. I also explained that if I were to receive the services with the outcome promised by them, I would have no problem paying the debt back but services were not rendered therefore my obligation to them is null and void. I have written and called these people on numerous occasions to remove this debt from my credit report. I have formally disputed the validity of this debt and they refuse to do anything. I want this debt erased from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (SC).
Issue: Taking out the loan or lease

Complaint: I submited a auto loan application on XXXX/XXXX/2013 at XXXX of XXXX. The deal was XXXX finaliized that same day, or so I thought. Then XXXX came to my job under false pretenses and stole the original application from my car. Fast forward to now, I just saw that XXXX submitted my application to several financial institutions on that day and then on XXXX/XXXX/2013 without my consent. I disputed it with XXXX, but was told to call those financial insitiutions directly. I did and thy told me that they could not help me since I do not have an account with them. I called XXXX and told them then was directed to XXXX. I called XXXX several times, but the financial manager refused to take my call. I emailed the owner who has not replied me.

Company response to consumer: Closed with explanation