milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2015 about Mortgage (FHA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WA).
Issue: Settlement process and costs

Complaint: I 'm the seller of a property. They buyer 's lender, USAA, chose to adopt a XXXX guideline before it was required causing a delay in the close on our house. This delay of just a couple days pushed out into the following month, costing me an extra month of interest and MI on my loan. Total cost to me is just over {$1300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit card () with CITIBANK, N.A. (OH).
Issue: Transaction issue

Complaint: In error a payment was sent by online banking to Citibank Diamond Preferred Credit card with a balance of {$0.00}. Company processed the payment despite XXXX balance. Upon identifying the error company was contacted to request funds be returned. Company refused to return funds in time period less than 6 weeks. Numerous calls to customer services with no method to escalate complaints within their system

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 10-03-2016 about Mortgage (Conventional fixed mortgage) with Aspen Yo LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: This notice is to serve as an Emergency Notice of Error. Gregory Funding Servicer for XXXX and XXXX. Have received a complete loan mitigation application in the timeframe as required by the Dodd Frank Act as well as an agreement from the previous servicer for a principal reduction. The Plaintiff and Servicer are guilty of dual tracking and have moved forward to foreclosure sale of my property tomorrow XXXX XXXX at XXXX in violation of Federal Law. I have also found fraudulent documents and forgeries of my signature in both TILA and Respa notices in which I have proof of. I am requesting that the sale be cancelled and the facts of my complaint investigated thoroughly. I will also be contacting every regulatory agency both federal and state to make a complaint in regards to these facts. These are serious violations of federal law and I intend to persue any and all legal action in regards to these egregious violations. I am requesting that a motion be sent in the court today to cancel the sale so that I am not further damaged by this action.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: Equifax and XXXX. I signed up two months ago to check my score. Now it is time to cancel because {$40.00} a month is too expensive. The only way to cancel Equifax is to call a XXXX number. It is a long and drawn out process. Finally we talk to someone ( husband and I ) in a foreign country. They ask all sorts of annoying questions and hard sell continued service. The XXXX time they even hung up. We spent a half hour or more just to cancel the darn service!!!! They shoudl provide many more options for cancelling, INCLUDING cancelling online, for crying out loud. 
XXXX is even worse. I logged in to check my score and the info is not made available. It keeps on kicking me out. To cancel, I have to call yet another XXXX number. It is so painfully obvious that they are just sucking the automatic payments right out of you and making cancellation so hard that most people simply give up.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Checking or savings account (Other banking product or service) with PAYPAL HOLDINGS INC. (IL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: transaction id # XXXX {$110.00} XXXX XXXX sphero toy ) was apart of a larger order totaling {$310.00} payment method chosen was " pay after delivery ''. a few days later {$110.00} was debited from my XXXX checking account. this is the XXXX time paypal changed the payment method i choose after the purchase was completed and money came out of my account without notice, warning, or option to choose another payment method. I INSIST PAYPAL REIMBURSES ME {$110.00}. PAYPAL is in error not me. Paypal has no right to take money out of my account without my consent and i will take this further if neccessary.- ftc complaint filed

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: Our loan was in good standing until it got transferred or sold to Ocwen. It has been nothing but a struggle with them for the last year in a half. They dont take payments and then when I call to get the issue resolved i struggled with people overseas that didnt care. They would tell me that I would have to enter a repayment plan and have to put a huge down payment down and i would and then i would make a payment and they wouldnt take the payment and then i would go through the whole process again, but then they would not take payment again and now the loan is XXXX months past due and im at my last wit ends with them. I need help, this company needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Using a debit or ATM card

Complaint: My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, OH XXXX. Phone # XXXX XXXX XXXX. I have account with PNC Bank. Last three month, I am getting charge for {$3.00} each month for " check images in statement fee ''. This service I never authorized or signed up for. They signed me up without my consent. Now I have been calling them each month to take this service off and give me the credit, but they refuse to do that. This is a bad business practice. Please help me resolve this issue. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Debt collection (I do not know) with Cooper Hoffman Klein Associates (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: This Company called my house phone 3 times, they left a recorded message on answering machine, then a lady called ( from XXXX ) and asked for a XXXX XXXX and I told her she had the wrong number and no one by that name lived here and that we had this phone number for over 8 years and not to call again. About 3 hours later we get a recorded message ( from XXXX ) saying we needed to contact because we had been sued and would be arrested if we didnt contact them to setup payment. I hit XXXX to talk to someone and a guy answered and I told him that they called earlier and I told them they had the wrong number and not to call my home again. I asked them their address and they gave me XXXX XXXX XXXX XXXX Texas XXXX, but that XXXX belongs to XXXX and they said they called them about using there address.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This debt is 10 years old & was part of id theft. i have disputed this with all XXXX credit agencies. Thank you for helping me

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Closing/Cancelling account

Complaint: Received a refund check for a credit on a credit card account of my deceased mother. While waiting for the estate settlement to complete the check went past the 180 day period and became invalid. Numerous calls ( and being on hold for hours ) have not resolved the problem!

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 02/16/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have a private loan with Navient. They are continuously harassing me to make payment on my account even though I tell them I am having financial difficulties. I pay what I can, but they call continuously through the day, more than XXXX times a day! This is harassment! My parents are my cosigners and are in their late XXXX 's and are constantly being harassed as well. I make my payments they are late sometimes maybe at the most 7-14 days late, but I always pay up my past dues. There has to be a better way to have Navients workers give better options with repayment, not just telling us the only way to defer is to go back to school and or to lower my payments. I have read many reviews about Navient and they are all the same complaints, harassing phone calls, Bad customer service, and no way to better help the student with better options for repayment. I feel moore than 3 times a day calling is harassing. I am looking at seeking legal council regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: TransUnion has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Additionally, they exceeded the XXXX response required by FCRA rules. Initial investigation started approximately XXXX/XXXX/XXXX Please see enclosed itemsACCOUNTS XXXXP XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SB XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX OF XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX FEDERAL XXXX XXXX/XXXX/XXXX BK CHPT XXXX COLLECTIONS XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/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 non-monetary relief
Consumer complaint received 07-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Multiple calls and notices in the mail to an account I had disputed with all XXXX credit unions and was resolved by it being removed. 
I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CO).
Issue: Managing the loan or lease

Complaint: my statement says total amt, due XXXX..my monthly payment is XXXX..plus late charges XXXX. ( .i was told there was no interest on late charges .... ) you can check your quality assurence recordings for this ... so XXXX -XXXX= XXXX XXXX-XXXX= XXXX left what is this XXXX for and am i paying interest on it ( if so what is the % ) ..and if so, how much interest has " accrued '' ..and how much charged on a daily basis? is this reflected in my '' estimated " payoff balance?. or are you going to tack this with interest on to end of loan like I 've seen so many people complain about? your numbers are shady and I 'm going to keep disputing them every month if need be

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I disputed my inaccurate XXXX item with Equifax. It was inaccurate because the high credit amount was different from the balance. Both have to be the same amount if the past due amount is zero, which it was. Anyone could look at the item and see that it was inaccurate, without information from the furnisher. Equifax made no effort to investigate. Please delete this item.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Vehicle loan or lease (Loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: This is second complaint relating to XXXX XXXX XXXX XXXX and Third Party Attmepting to repossess my car after arrangements were made. The Third Party is continually breaking peace laws. On XX/XX/XXXX, Nissan called me to make a XXXX XXXX payment. I was seeking legal advice. The XXXX was in the garage. I called Texas OCCC, FTC, and CPRB Around XXXX a XXXX Truck parks in front of my yard. From XXXX to XXXX a XXXX truck with dark tint went back and forth. I waived the XXXX truck off stating that the car is in garage. Around XXXX I was fearful that the person in truck will come in my garage. My children age XXXX and XXXX were scared. Around XXXX my daughter puts a stick and chair to the door due to her fear. Around XXXX I called the police due to my children were in fear and couldnt go to sleep. XXXX Police pulled over the XXXX truck after several calls were called in. XXXX pm the XXXX truck is pacing in front of the home with screeching tires. I became fearful. XXXX there was taping at my window. My children were crying. I was afraid to call the Police out. Around XXXX the XXXX truck stop speeding by. Nissan and The Third-Party Recovery Service has violated the following TDCA ACT : On XX/XX/XXXX The XXXX truck rolls up and down the street. Speeding again. Neighbors come out. Around XXXX XXXX The XXXX Truck with a fleet of 3 calls. Someone yells out get a job in my yard. I went outside and they speed off. My XXXX year old and neighbors across the street heard This breaking Consumer Rights Acts. My child and I are afraid. I sent a notice to Nissan to sue due to breaking my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX :. I sent a check to Afni for XXXX for an account that was sent to collections by XXXX/XXXX. I got another letter for a bill for {$59.00}. I sent a check. Both checks cleared in XX/XX/XXXX. 
XX/XX/XXXX : I was trying to get service with XXXX. I was told that I had a past due balance of {$59.00} from XXXX. I sent cancelled checks from my bank showing proof that this account was paid in XX/XX/XXXX. I thought the issue was resolved because XXXX at XXXX investigated my account and informed me the payment was applied to another account. 
XX/XX/XXXX : I got a copy of my credit reports and there is a collection on my account from AFNI for {$59.00} from XX/XX/XXXX for a debt in XX/XX/XXXX. No one called me from this company or sent me a letter to let me know this account was in collections. I called spoke with XXXX and he attempted to mislead me saying the " check had bounced and that they had called me ''. Then he completely disregard my explanation and starting say " this is an attempt to collect a debt and ask me if I wanted to pay by check or credit card ''. I informed him that I will dispute this situation with the credit bureaus and I have. I also sent a copy of the cancelled check to AFNI at support recovery along with a copy of the my account to show that the checks cleared and I did n't have any NSF 's. This is an ongoing issue that is impacting my credit. I am upset with XXXX XXXX for not resolving the issue and AFNI for not giving me the chance to show proof of payment prior to putting this information on my credit report. Please help. BTW, my address has not changes in 5 years or my phone number and no one attempted to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I recently made a complaint to cfbt and was unable to login to see the response from the credit agency. However, Since then, the agency has taken steps to even further damage my credit score. I have done everything in my power to correct my past mistakes and continue to build a respectable history. I feel as though this agency, Transunion and its employees or reps are incorrectly reporting and I would go as far to say taking retaliatory actions on my report as they have once again lowered my score by XXXX points. My score now is even lower than it was when I initially began to attempt any corrections last year. I have retained a malpractice attorney and we are in process of a civil suit. I 'm not certain as to what this site does to attempt to help and protect the consumer because nothing positive has happened since I have taken the time to reach out for assistance. I am writing once again to make certain I have record of every single action this agency has taken as well as snap shots of every time this agency has negatively impacted my credit with no cause. Every action all showing the same drop in score from XXXX points per change. Please note once again that I have increased by credit line, paid all payments on time the last 9 months, paid off XXXX debt collection ( I have XXXX at the moment. ) All of these positive steps I have taken Clearly should have increase my score, it is plain as day to see it is retaliatory action.

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 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/2016 I was contacted by a company called XXXX XXXX the contacted me more than a year ago now. I paid them {$2700.00} with my Discover Card to receive products through their distributor but once I paid I never got any products not even the brochures I was promised. What they showed me as a sample of the e-catalogue of products it was nothing even close to what I was selling, I was furious when I contacted my rep and demanded a refund. I told them what I wanted even gave them a sample and to this date my site still is not right. 
The reason for this complaint is they did not provide the products/ services I paid for and they took advantage of my ag. I was defrauded and deceived into paying this money, I ask you to please help me get my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2017 about Vehicle loan or lease (Loan) with BB&T CORPORATION (KS).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I had bought a new XXXX XXXX XXXX in XXXX 2010 and I had a contract to finance this car for 72 months. I deferred a few payments over the time when I bought the car. The car was financed for {$27000.00}. The car should have paid off by now and I talked to the finance company XXXX XXXX to see how much I owe and they say I still owe over {$13000.00}. This amount is crazy I asked for an audit of my file and they wo n't do it they say everything is correct. There is no company on this earth that would finance a car and if someone is that far behind in payments would n't repo the car. They know I make my payments in a reasonable amount of time over the years of finance even my credit report shows. Now I 'm afraid they will repo the car that I should have outright owned a year ago. Is there any help I can get to rectify the situation? They are telling me I have to pay over {$13000.00} to pay off the car.

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 09/21/2016 about Credit card () with CITIBANK, N.A. (CT).
Issue: Billing disputes

Complaint: On XXXX/XXXX/16 I contacted XXXX to book XXXX hotel rooms. immediately within seconds after booking them, I called XXXX to cancel. I was told to call the hotel directly to cancel. I immediately called the hotels and talked to the front desk managers. I was told they would be cancelled. I called back XXXX and confirmed with them that I cancelled with thoe hotel directly. I was informed I would not be charged. I have bee fighting with CTiti for months now. I do not know what the issue is. I have been a valued customer of them for several years. I did not stay at these hotels and would like the credit appied and woldd like to continue my membership with cit.

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 01/26/2016 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Account opening, closing, or management

Complaint: WHEN WE SETTLED OUR LAWSUIT XX/XX/XXXX, WE HESITANTLY OPENED AN ACCOUNT WITH PNC BANK- AFTER A TURBULENT AND VERY HURTFUL EXCHANGE. AFTER A FEW MONTHS OF BANKING, WE HAD AN ACCIDENTAL OVERDRAFT AND THE ACCOUNT WAS CLOSED PRIOR TO US BEING ABLE TO CORRECT IT. WE EXPERIENCED EXTREME XXXX WITH THE BRANCH MANAGER AT THE OPENING BANK- MAKING COMMENTS SUCH AS SHE WOULD MAKE IT HER BUSINESS TO NEVER ALLOW US TO HAVE THE OPPORTUNITY TO OPEN ANOTHER BANK ACCOUNT THROUGH PNC EVER AGAIN.

Company response to consumer: Closed with explanation