milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/XXXX me and business partner hired a company called XXXX XXXX XXXX to dispute a county tax lien that we had from one of our previous businesses. XXXX XXXX XXXX guaranteed and promised that they will dispute our tax lien by paying them {$5000.00} ( XXXX XXXX dollars ). Me and my business partner waited 2 months patiently for them to act on our matter and were hoping that our lien issue with the state of Michigan was over with. When we contacted XXXX XXXX XXXX in XX/XX/XXXX they told us that they have not worked on our case and had no idea how much the amount we owed was basically they took our money and didnt provide any services. 
Me ( XXXX XXXX ) and my business partner XXXX XXXX decided to dispute the charges XXXX XXXX XXXX took from us XXXX from each person due to not providing us any services and not working on our case. 
I contacted my bank ( BANK OF AMERICA ) to dispute the charges unfortunately XXXX XXXX XXXX provided them documents which I never signed saying Iam okay with them taking my money even if they dont resolve my case. 
XXXX XXXX bank ( XXXX Bank ) was able to refund His XXXX charge and were able to investigate the case the right way My complaint is against Bank Of America for not being able to get my money back for me and telling me time fram is over even when I provided them documents on XX/XX/XXXX which was before the ending time frame period to have them reivestgate that company and find out how XXXX XXXX  was able to refund XXXX XXXX XXXX back however Bank of America did not put any effort and did not reivestgate and gave me the runaround for 10days till the time frame was over My second complaint is against XXXX XXXX XXXX for taking my money and refusing to refund me the charges.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am a victim of the Equifax security breach. Per https : //www.equifaxsecurity2017.comXXXX  ( I input my last name, last 6 digits of my social security number, and completed the Captcha ) I am affected and would wish to file a complaint against Equifax and their security practices.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was making additional payments on my daughter 's student loan, who I am a co-signer, to be applied to principal and the extra money that I was paying for the last 2 years was applied to interest instead of principal. I spoke to the bank and they said that prior to this year, any additional money was supposed to be applied to principal but they were not going to adjust any of the extra payments to reflect that. In some instances, they took the entire amount of the extra payment and applied it to internet. I told them that it was not clearly stated that any extra money paid would be applied to interest. It is upsetting because we were trying to pay down the principal and Wellsfargo was deceitful and did not apply the money the way we asked for it to be applied. We are not told that as of XXXX of this year no money will be applied to interest. We do not agree with this and feel that them changing to this new policy will keep us in debt and will not allow us the chance to pay down the loan.

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 11/30/2017 about Mortgage (Conventional home mortgage) with PLAZA HOME MORTGAGE, INC. (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have been trying Endorse my Insurance Check with my Mortgage Company Since XXXX 2017. I have Submitted and done everything they have asked for. I have called, emailed and received no response. every time I call and try to get through I am put on Hold for 10 min and then disconnected. 
this is the most Unprofessional Mortgage Company I have Dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX. My daughter, XXXX XXXX ( formally XXXX XXXX ), and I purchased a home together in XXXX. The mortgage went through a number of transfers of lenders over the years but has been serviced through Shellpoint Mortgage Servicing since XXXX timeframe. When we purchased the home, the members of our household included XXXX of my adult daughters, my wife XXXX and me. At the time, the expectation was that each of us would contribute to the mortgage and overall housing expenses. Unfortunately approximately a year after moving into our home, XXXX suffered XXXX ever since. As a result, XXXX had to retire earlier than anticipated. My children attempted to care for her while I continued to work. After roughly another year or so, this proved to be unattainable and I was forced to retire to become XXXX full-time caregiver. While I am of age to retire, these circumstances forced me to retire earlier than expected. Due to XXXX condition, we have incurred a significant increase in medical bills as the result of routine doctor visits and various medications to treat her condition. Additionally, a few years ago XXXX eventually married and moved out of our home which resulted in another reduction of household income. 

At this time, our income is limited to our monthly social security checks. These circumstances have resulted in our inability to make our mortgage payments. We had explored loan modification to no avail and were also considering a short-sale however this would have resulted in us becoming homeless due to our income and the housing crisis in the XXXX XXXX. In XXXX XXXX, we received notified that Shellpoint issued a Full Reconveyance of our first mortgage. We were not aware that they decided to do this and attempted to contact them on numerous occasions and they would not return phone calls to explain the situation. We ended up contacting the company that filed for the reconveyance, XXXX, and they confirmed that Shellpoint instructed them to remove the loan from title. After a few more failed attempts to get clarity from Shellpoint, we sold the home to downsize and bought another home. XXXX and I was working with a reverse mortgage lender and right before closing, Shellpoint issued a foreclosure status on my credit. This occurred after we already sold the home in which they removed the lien. Given that this was non-recourse debt, we are not sure why or how they are considering foreclosure on a home that they no longer held a lien on plus we sold the home. We would really appreciate some assistance on this matter as it effectively resulted in our inability to close on a reverse mortgage and it is also still on my daughter 's credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: American Express Collections ( XXXX ) called me attempting to reach my mother in law about a debt. I have never had any debts with her, and the number they called is my business cell phone. I do n't use it for personal matters. They were rude and kept insisting I give them her phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/XXXX I deposited a check for {$1500.00} to Huntington Bank. The check was drawn on a local bank and was for reimbursement of expenses. The company writing the check is a local insurance company that is publicly traded on the XXXX. My personal checking account with Huntington has been established for approximately 2 years and has not been overdrawn. I also have a savings account and my loan with Huntington is paid on time. 

On XXXX I got an email saying there was a deposit hold. I was not given access to the first {$100.00} or {$200.00} of the check. Then on XXXX I got a letter stating the deposit hold would be until XXXX/XXXX/XXXX so the bank could review the check. In total this is a hold of XXXX business days however Huntington is open 7 days per week so its actually XXXX. 

On XXXX I called my local banker in XXXX Michigan XXXX XXXX. She was unavailable but a teller supervisor I spoke with at the branch said Regulation CC only applied to local banks and credit unions. She also was unable to release any of the funds and said that payments issued by insurance companies are usually subject to holds. I did look through my records and checks issued in XXXX and XXXX from the same company were not subject to any holds I have been unable to pay bills or conduct normal banking activities this month. Considering my bank branch, home and the headquarters of the insurance company are within XXXX blocks of each other, the hold seems arbitrary and unreasonable. I believe Huntington Bank violated Regulation CC and ask that this matter be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Mortgage (VA mortgage) with MORTGAGE LENDERS OF AMERICA (KY).
Issue: Closing on a mortgage

Complaint: Mortgage Lenders of America, out of XXXX XXXX, Kansas, via their representative, XXXX XXXX, made me believe for several months that closing costs on a home I was trying to purchase would be roughly {$4700.00}. I have saved and put back everything I could to accumulate that amount and the sellers of the home I have been trying to purchase have also been trying to help with closing costs. Up until XXXX, XXXX XXXX, I have been led to believe that the cash needed to close would be the roughly {$4700.00} I mentioned. Our closing date was scheduled to be XXXX XXXX, XXXX. On XXXX afternoon, XXXX XXXX called me to inform me that the cash to close was going to be {$6800.00}, which is obviously a lot more than what I was led to believe and way too much to come up with with less than a week before our scheduled closing. I am not sure what can be done, but this was a very dishonest thing to do. I only ask that someone be up front and honest to begin with instead of stringing us and the sellers both along about what the cost of a company 's services are going to be. This has been a horrible experience with Mortgage Lenders of America and I only hope that in writing this that I can help someone else avoid the troubles and problems I have had with them. During the process, my wife and I were also asked for the password for our bank account, which we did NOT give out, of course. We have wasted money on an appraisal and several other fees and not really sure what we can do to recoup those losses, but I just hope no one else goes through the same thing my wife and I have.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Called company for a verification of debt letter. Spoke to XXXX reps and a supervisor ( XXXX ) was told that a verification of debt letter can not be sent to NY residents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: On XXXX XXXX, 2017, I disputed a collection account ( XXXX XXXX  ) with Equifax to no avail. Despite the fact that Equifax received information that the debt was disputed and XXXX XXXX  failed to validate the debt in accordance with 15 U.S. Code 1692g, Equifax failed to delete the account off of my credit report. In fact, Equifax failed to even acknowledge my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Checked my credit report to find Diversified Consultants trying to collect on some old wireless phone bill. Consumer was never notified about this account ; just placed on my credit report willy nilly. I do not owe this company anything, and how is it that a debt collector can just place inaccurate information on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XXXX 2015, an automated payment to Navient was returned for insufficient funds. I then immediately contacted Navient to correct what had happened. They then proceeded to attempt another payment, but from the wrong bank account. They then contacted my sister for a payment, and ended up receiving two payments later in XXXX. They then posted SEVEN late payments to the credit rating agencies. I placed several calls this XXXX to correct this matter, including one on XXXX XXXX when their rep stated all the late payments would be corrected due to " multiple servicing errors '' on Navient 's part. In a subsequent call, the same rep reneged on this and Navient removed just two late payment entries, leaving FIVE remaining. There was one " missed '' payment that was immediately addressed, so leaving five late payments on my credit due to Navient 's incompetence and inefficiency constitutes an unwarranted and unmerited assault on my credit rating. I respectfully demand reversal of at least most if not all this negative information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The judgments that are showing on my credit report, were entered by third party and not by XXXX XXXX nor the Court, this third party reporting is against the law and has created an negative impact on my credit score. And is stopping me from succeeding with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (Payday loan) with Advance America, Cash Advance Centers, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: It was XXXX, I was working a part time and borrow {$110.00} from Advance America, a payday loan predator company. At, the time, I lost my wallet and all of the contents, which contained my id, ssn, and other pertinent information. 

On XXXX XXXX, XXXX ; I get a call from them out of the blue, from a company that claims that are attempting to collect a debt from them. This company, is harassing me, and I want it to stop. Not, only, to they charge enormous interest to poor young and old they do not stop until they get paid. Please do something!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with URS Holding, LLC (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am being repeatedly attacked throughout the day under numerous phone numbers by United Recovery Systems. I am being harassed and want this to stop. They also call the home landline under XXXX.

Company response to consumer: Closed
Consumer complaint received 12-07-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: specialized loan servicing has not reported my payment activity since XXXX 2016 on my mortgage.

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 03-07-2017 about Debt collection (Auto) with BB&T CORPORATION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I traded my car XX/XX/2017. the dealership paid off loan but short payed XXXX. I contacted dealership and they are going to pay remaining balance some how it was paid off after the 20 day pay off. The finace company has called me 6 and 7 times a day for 2 weeks. I explained to them what happened and that the dealership was going to take care of remaining balance. Now they have starteded calling me at work ...

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 04/27/2016 about Credit card () with CITIBANK, N.A. (KS).
Issue: Rewards

Complaint: I received a letter from Citibank dated XXXX XXXX, 2016 informing me that they had closed my Citi Prestige credit card ending in XXXX. The account was always in good standing, and payments were promptly made on time. The letter stated no reason as to why the account was closed other than stating that " Pursuant to our Card Agreement, we have the right to close your account at our discretion anytime without prior notice. We have chosen to exercise this right. '' There was no number listed to call and discuss the situation. The only way to contact them was to send a letter to their offices in XXXX XXXX, SD. 

I had accrued over XXXX reward points by directing spending to the card, and held in good faith that I will be able to redeem these points for travel when I needed them. When Citibank closed the account, they forfeited all the points without providing any advance notice or opportunity for me to redeem them. A letter sent to their Executive office did not result in a satisfactory outcome. They refused to reinstate the points, and were unwilling to provide any monetary relief. The practice of Citibank enticing customers to use their credit card with promises to reward them, and then unilaterally deciding to forfeit all rewards without notice seems to be a clear case of deceptive misleading advertising, and bait & switch. 

Citibank has not been forthcoming to offer any explanation on whether I had violated any terms of the agreement or caused any material loss to the bank. Under such circumstances, I am entitled to those rewards ( or equivalent monetary compensation ) as were promised when the account was opened.

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 08/19/2017 about Vehicle loan or lease (Loan) with TD BANK US HOLDING COMPANY (MS).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: This complaint is connected to a previous answer to a complaint from TD AUTO FINANCE LLC., XXXX XXXX XXXX, XXXX , XXXX , XXXX and XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX. I contacted TD AUTO FINANCE LLC. on Monday, XX/XX/XXXX, and alerted TD Auto Finance that I believed I had been a victim of a bait and switch scheme and asked if they had funded the loan and they said " no '' it was pending and they would make a note in the file about the situation. I contacted them again on XX/XX/XXXX, and they said the contract was still pending so, I suggested they hold the funding until I was satisfied with my complaint with the Better Business Bureau and the Consumer Financial Protection Bureau. I received a notice today XX/XX/XXXX, that TD Auto Finance LLC had rejected my complaint and funded the vehicle anyway. Since I am the Consumer I should have a say as to whether I want TD Auto Finance to fund the vehicle or not. Since TD Finance chooses to go ahead with the financing I have no choice but to defer the first car note until the matter is litigated.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have contacted this collection company and disputed this charge many times as well as with the Credit Bureau directly. The collection agency has no right to place this on my credit report due my health Insurance paying both of these bills directly to the original creditor. I want the item removed immediately. There are two bills XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$700.00} account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$1000.00} account number XXXX I want these items removed as they should have never been reported to 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 non-monetary relief