milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/16/2017 about Mortgage (VA mortgage) with U.S. BANCORP (VA).
Issue: Loan servicing, payments, escrow account

Complaint: US Bank Has not sent me a of the year end escrow analysis, which was due XX/XX/XXXX by Law. They did send a notice saying they expect a shortage so send in {$980.00}. Now they 've sent another notice saying they now want XXXX and that I should send it in right away. The provide no escrow analysis, which again was due XX/XX/XXXX They also have not provided me with any accounting showing what my rate would be if I paid the amount and what it would be if I had it added to the monthly. 

By not providing the escrow analysis US Bank which was due XX/XX/XXXX US bank is in violation and is handicapping me with no accounting in which to make informed decisions. This is not very welcome on my behalf and it appears to be totally reckless, disregard to the escrow laws.

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 01/22/2017 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with g.a.a.p, I.f.r.s. in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the folowing vendors/creditors : XXXX XXXX XXXX-account : XXXX, XXXX XXXX account : XXXX, XXXX XXXX, and XXXX XXXX XXXX-accout:XXXX and they have failed to do so.

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 05/18/2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Other

Complaint: I purchased an item with my Macy 's credit card, and never received notice of my late payment or my account statement balance. I discussed the situation with Macy 's and they removed the late payment fees because they acknowledged that I never received a formal invoice requesting payment. My credit score has been severely affected by this situation and I would like to know how it can be fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/29/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I had a bank account with Wells Fargo they opened a total of XXXX banks accounts approx.. 
XXXX/XXXX/XXXX. I had my account froze because of an error or mistake on my XXXX taxes with Franchise tax board. They said I had owed {$2000.00} back taxes. Wells Fargo manager had set me up with XXXX Bank accounts and XXXX Saving accounts. XXXX total. I did not need the XXXX extra accts. Wells Fargo charged and withheld {$200.00} from me from the XXXX accts as well as XXXX took {$200.00}. I went directly to straighten it out with XXXX XXXX on not owing money. I got copies of my XXXX Income taxes from the IRS. I did not owe them. XXXX sent me a refund 4 months later for {$200.00}. I kept complaining and going into the branch to Wells Fargo bank manager about returning the money they took from all XXXX bank accts. He said it was not in his control to return back my money. I am so upset and want to resolve and retrieve the money the Wells Fargo still owes me. I had to close down XXXX bank accts since then XXXX extra bank acct and extra savings acct. that I did not need. The branch is off XXXX XXXX in XXXX XXXX area. Please let me know what I can do or what you can do to help this issue of getting my money back. Sincerely, XXXX XXXX ( XXXX XXXX XXXX XXXXXXXXXXXX

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 08/15/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: NationStar has continuously refused to deal with me honestly & fairly. I fell behind in my payments when my husband died but now I have help from a neighbor trying to reinstate my mortgage. We started about 4 months ago, got a reinstatement amount, and were told by the attorneys that NationStar told them to refuse the check. Since then we have gone from around {$25000.00} reinstatement to around {$40000.00} reinstatement with no explanation of fees. I do not believe I should have to pay for anything since the refusal of the reinstatement check several months ago since I offered payment of all back payments & expenses. I have emails back & forth from NationStar showing where they refused to send what we requested. From the limited details I have, I have been billed for services that were never performed and overbilled for services ( like {$400.00} to put a lockbox on the door ). I now have the ability to reinstate the mortgage, but refuse to pay for things that I do not really owe. All I am asking for is a detailed accounting of these expenses & credit for items I should not have to pay. 

I 'm asking for an investigation of my account ( and others if you like ) to show a pattern of fraud & abuse. 

I have many more comments & details concerning my frustration & aggravation as a XXXX American trying to save my family home of XXXX generations ...

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: To whom it may concern, I called Sallie Mae to proactively figure out a rate reduction plan that would help me pay less per month with a lower interest rate due to increasing living expenses. I have good credit and I have been making my payments -- I 'm actually ahead right now because I started paying large sums per month before my loans went into repayment. My Sallie Mae loans will soon require I pay a hefty {$350.00} per month ; this is on top of my other Federal loans and living expenses. My Sallie Mae loans are for less than my federal loans, but I pay more for them per month. 

The Sallie Mae representative told me that the only way I could potentially work out a rate reduction or refinancing plan with them is if I am currently under hardship. I explained that I am not, necessarily, under hardship -- though I do n't know what qualifies as " hardship '' -- but that I will soon be due to changes in my living situation. I will not be able to afford a {$350.00} to Sallie Mae and also pay for rent, utilities, insurance, etc ... 

The Sallie Mae representative seemed to sympathize with me, but she also seemed bound to an unspoken rule that disallowed her from helping a borrower who was looking to proactively take steps in order to not become delinquent on their loans. 

I need to figure out a refinancing or rate reduction plan with Sallie Mae before I suffer from delinquency, which could happen as soon as XXXX months from now when I move and settle in a different area. 

I 'm filing this complaint because Sallie Mae is not willing to work proactively with me as a borrower to stop delinquency, forbearance, or bankruptcy from happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Checking or savings account (Other banking product or service) with PNC Bank N.A. (MI).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: XX/XX/XXXX I looked online and found that I was charged XXXX for my checking account being short {$3.00}. I had a {$100.00} transaction for XXXX that came out of my account and I only had {$96.00} in my account. 

XX/XX/XXXX I again looked in my account online and I was charged {$11.00} for checks I did not order. I called PNC @ XXXX and I was told I had to bring the checks in to have refunded. 

This bank not only guts it customers for money they do not have but they never addressed anything I requested. 

My account # is XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: My XXXX card thats connected to my Bank of America account was pinging my account for charges even though my line of credit with XXXX was still full ( due to a stolen card ). Rather than alert me that this was happening, causing multiple overdrafts, bofa just kept processing these resulting in 15 overdraft fees of {$35.00} each being collected between XX/XX/XXXX and XX/XX/XXXX with charges of fees being well over {$500.00}. When I called on XX/XX/XXXX and not only let them know that this card has been stolen ( and those charges werent even legit, something Im working out with XXXX ), BofA wouldnt remove any fees and claimed to not be able to do anything further bc the fraud department was closed. I had just deposited my months check ( not knowing the extreme negative in my account ) and all the charges left me still in the red and without cash. Again, my issue with XXXX and my stolen card is certainly an issue ( as the charges were in XXXX XXXX and I was in XXXX ) but the actual overdrafts fees imposed by bofa where FAR higher than these fraudulent 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 monetary relief
Consumer complaint received 10/17/2016 about Debt collection (Medical) with GLA Collection Company, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX was provided with my insurance and Texas XXXX contact information to pay all debts related to my assault in XX/XX/XXXX. 
The bills were paid even after XXXX mislead me and kept me in their facility without cause. 
XXXX paid full amounts with exception of a small amount in which case XXXX as well as all other providers were granted the information to send their claims to XXXX Services for payments. All other providers were paid. It was my assumption that XXXX would do as instructed and be paid by XXXX and XXXX for all amounts. I have requested my medical records and billing records on XXXX separate occasions over the last 2 years and provided copies of the protective orders as my information is concealed for security purposes. This month I now have a mark for collections from this provider with XXXX of the XXXX credit agencies. I 'm submitting a certified letter as will be copied to you requesting validation of this debt. I 'm also requesting full records from XXXX and XXXX Services. I do not believe these are monies are due and indeed should have been paid if they were due, by XXXX or XXXX. 
I am undergoing an extension with the no contact Protective Order with my attacker at this moment and have copied all such records to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 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 HAVE 27 INQUIRIES ON MY XXXX AND TRANSUNION REPORT THAT I DO NOT RECONGNIZE. I HAVE CALLED XXXX AND TRANSUNION SEVERAL TIMES AND THEY REFUSE TO DISPUTE THEM. I HAVE ATTEPTED TO GET A POLICE REPORT BUT THE POLICE WILL NOT MAKE A REPORT BECAUSE THERE WERE NO ACCOUNTS OPEN ED AND MISUSED. I HAVE CONTACTED THE CREDITOR THAT RAN THE CREDIT NO REPLIES.

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 03-01-2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Capital One has been settled through XXXX on my behalf and is being paid but not reflecting this on credit report, balance has not been reflected, still showing as chargeoff/collection account. The balance is incorrect. and should say paying as agreed, as it is not with a collection agency it is still with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I made an appointment to refinance my home with XXXX Home Mortgage consultant with Wells Fargo home mortgage XXXX California. our appointment was for XXXX when I arrived I was in her office less than five minutes when her personal cell phone started ringing it ring four or five times in the middle of our conversation she said if I do n't take this call they will just keep on calling she picked up her cell phone and started XXXX very very loud I waited a few minutes and then I told her I was going to go because she seem to be too busy when my hand touch the door she replied okay goodbye I have been a Wells Fargo customer for 20 years I have never experienced such rudeness from a Wells Fargo employee I would like to bring this to the attention of someone who cares about customer service thank you

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 03/24/2017 about Bank account or service (Checking account) with BANK OF THE WEST (CA).
Issue: Making/receiving payments, sending money

Complaint: I make this check to XXXX and it was made for the amount of XXXX and and they forged and changed the name to : XXXX : and they put a new amount of {$4200.00}. I was reviewing my checking account and I noticed that a big check got paid. I call my bank manager XXXX and told him about what happen with my account and he toll me that he will look in to the matter I went to the bank near my house and toll the manager and they help me fill out a claim and this is the claim number # XXXX. 
that was done in XX/XX/2017 and they have n't contacted me with any information about my money. 
I cant trust this bank with my money

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 04/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Phone Harassment at work robo calls for  XXXX  energy debt that was paid in full  XXXX / XXXX /  XXXX  .     I provided proof and then they sent to collections throug h Alliance One Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I filed an online dispute with TransUnion concerning a debt placed onto my credit file by XXXX XXXX XXXX. I was not able to upload documents to prove my case because of an incredible amount of character restrictions not allowed on documents by this companies arcane computer program. When the dispute came back that the debt was verified, I then mailed my documents to Transunion to prove my case. XXXX again the results were not in my favor. When I tried to call to speak with a live representative, I was redirected to file the complaint online. It is my strong belief that a proper investigation was not conducted on my behalf. The documentation provided to TransUnion was very strong evidence that XXXX XXXX XXXX was wrong on their filings against me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CL HOLDINGS LLC (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am contacting you to resolve and on going issue as it seems to not be given the according attention to finally resolve it. I have written in numerous times and will have to take this up with the better business bureau and FTC as it’s not being corrected . XXXX has failed to remove an account who the original creditor XXXX agreed to have it deleted but XXXX has NOT YET taken immediate action. I need this account removed from all three major credit reporting agencies as the investigation XXXX  conducted stated they would.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (I do not know) with Direct Recovery Services, LLC (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a call from ( XXXX ) XXXX at XXXX XXXX on XXXX XXXX, 2018.  They asked to speak with an individual I do not know. Typically, I just hang up the phone, but I have been receiving these calls so frequently that I decided to try to sort out the problem. I asked them to provide me with the caller 's name, organization, and purpose. The caller hung up on me, so I called back and went through a similar conversation with another person, XXXX XXXX. When asked who they represented, they said, " XXXX. '' Eventually, I was able to get them to say that the organization is Direct Recovery Services. I attempted to have a conversation with them regarding how they acquired my phone number and how to get them to stop calling me. This individual also hung up the phone in the middle of our conversation. I do n't know the person they are calling for, and I have repeatedly told them they have the wrong number and to stop calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Alpha Recovery Corp (NY).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: XXXX XXXX employed as a debt collector with ARC ( XXXX ) calls my job and home XXXX times a day. I have verbally and in writing asked that he stop as I will contact them when I am able to negotiate a settlement. This is calling negative attention to me at my workplace and disturbing my home life. 

Kind regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX ( XXXX ) - I contacted XXXX XXXX XXXXXXXX on XX/XX/XXXX to discuss a possible settlement offer on the outstanding balance of {$2200.00}. After several conversations during the day we arrived at a settlement of {$1200.00} payable at the time of the conversation. The account rep took my credit card payment over the phone as well as mailed a letter stating the account was paid in full. XXXX proceeded to report the payment to the credit bureaus but failed to report the account was paid in full and no further payment is due as a result of a settlement. 

Once I reviewed my credit report and noticed the information was incorrect I disputed the balance due with the credit bureaus on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) as XXXX continued to provide incorrect information. As it stands today XXXX shows an amount due of {$1000.00} and Transunion shows an amount due of {$2200.00}, although both credit reporting agencies were provided with the attached documentation advising the matter in collections was resolved via a settlement on XX/XX/XXXX. 

I am requesting your assistance with getting this matter resolved to reflect the correct information 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 03-04-2017 about Credit reporting () with SYNCHRONY FINANCIAL (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The original creditor sold this debt to a collection agency, they also wrote off this debt on their taxes which wrote off my obligation to pay but I paid anyway. This contract was cancelled which means NO 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 12/16/2017 about Debt collection (Other debt) with The Receivable Management Services Corporation (WV).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: THE RECEIVABLE MANAGEMENT SERVICE has placed a debt on my credit report for {$230.00}. Per the WV XXXX XXXX XXXX, they are not licensed to collect debt in my state. They have ignored all of my attempts to rectify the situation.

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 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've been on the Income Driven Repayment Plan for 3 consecutive years. I had re-submitted my annual documents in a timely manner for the Income Driven Repayment plan, so I can remain enrolled. However, XXXX XXXX XXXX DID NOT process my renewal properly, and as a result my credit score declined 100 plus points. I 've contacted XXXX XXXX XXXX about this issue. They have only assigned my Account as current, yet, they have not removed the PAST DUE dings on my credit. I now have 10 student loan accounts they have negative markings, resulting in a lower credit score. Please help me with this matter. Thank you, XXXX

Company response to consumer: Closed with non-monetary relief