milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I requested a modification to Select portfolio on XX/XX/2016 attached you will find out the application with the supporting document but they had me in a dual track and now they said they do not have any application at all and had my home in foreclosure I had a complaint throe ambundsam consumer and i had no response at all over the pone they said that i will be receiving a payment plan and today they said there is nothing on file and there is no record of calls this company is been doing this to me fore the last 3 years and do not care about home owners bill of rights a list to review my financial information to have the opportunity to safe my home this collection agency refuses to validate the debt i need your help to save my home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with PENTAGON FEDERAL CREDIT UNION (GA).
Issue: Trouble during payment process

Complaint: I ( Member # : XXXX ) have been trying to work through penfed member services regarding my Home Equity Line of Credit account. I made a check payment on a void check of {$950.00} on XX/XX/XXXX. I called customer service on XX/XX/XXXX as the check recipient told me that payment bounced due to insufficient funds. I paid {$950.00} using my other bank account in the hope that this void check wo n't clear. I also sent an email on XX/XX/XXXX in this regard with no response till now. After multiple calls to the penfed member services, someone sent me the stop payment document on XX/XX/XXXX. I sent the completed stop document form on XX/XX/XXXX. I was told by the member service rep that I will get my money back. I was also appalled by the lack of call information being stored in your company systems. Unless a rep notates on an account, there is no record of prior calls. So, a penfed member has to tell the same story multiple times ( in my case 7-8 times ). 

I called back penfed services again on XX/XX/XXXX and was forwarded to the supervisor XXXX XXXX. She told me that money is out from my account and she can not do anything about this. I told her multiple times that why this was not brought during my first call with penfed on XX/XX/XXXX when I brought this issue. XXXX should have advised me for stop payment on the first call and protect me as a customer. Now, I 'm out of {$950.00} with no recourse. If I was given right information on the first call, I would have done stop payment on this check. 

I called back XXXX again in XX/XX/XXXX and spoke to XXXX. She mentioned that she was able to get hold of XXXX  XXXX ( bank that cashed void check of {$950.00} ) and  she is going to file a dispute for {$90.00}. I called back in XX/XX/XXXX and penfed could not find in their records any conversation I had with XXXX. My call was handled by another customer service supervisor and she told me that she will get me the copy of the void check. I have not gotten anything yet. 

I 'm a bit disappointed by the lack of knowledge and call resolution by the member services team in this case. I would request you to add {$950.00} back to my account since this was due to lack of help and support from penfed customer service. I count on my bank to protect me and advise me the right way. 

Thanks for your attention.

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 08/22/2015 about Debt collection (Credit card) with CITIBANK, N.A. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The Credit Card company send me a XXXX on XX/XX/XXXX, indicating the debt is cancelled ; however, they kept reporting to the credit bureau with the original balance and past due balance. I tried calling them to dispute the issue, but they would n't do anything. I dispute with the credit bureau and they XXXX out the balance and past due balance in XX/XX/XXXX. The Credit Card company again report the original balance and past due balance and this become and endless cycle, and I have already filed tax in XX/XX/XXXX for this XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Delinquent account

Complaint: I filed a complaint with CFPB about my American Express Account. I received a letter from American Express, in light of your investigation, stating that my account would be re-aged and the delinquencies would be removed. I have since filed XXXX disputes with XXXX regarding my account, attaching the letter I received from American Express. After much frustration, I called XXXX and explained what happened. They told me American Express uses a different account # from my actual credit card # when reporting to credit reporting agencies. They said the would send the letter to American Express to verify. I just received their investigation and once again, the account has not been re-aged as stated in the letter I received from American Express. To add insult to injury, American Express now has my account as being closed in XXXX, not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Chase Bank Card Services, XXXX. XXXX XXXX, XXXX, DE XXXX ; RE : Acct # ending in XXXX sent me a bill for XXXX XXXX {$99.00} ( which I had not ordered and an {$85.00} annual fee which I did not want and through a series of phonecalls on XX/XX/XXXX 2017 with Chase and XXXX we addressed. In XX/XX/XXXX2017 we spoke by phone and as a result you sent to me the fraud form which I completed and returned, on XX/XX/XXXX2017 and I include a copy attached. I assumed it had been resolved to everyones satisfaction. Specifically, XXXX waived the Chase fees at XXXX p.m. on X/XX/17 for the late fee and interest and at XXXX p.m. and on X/XX/17 for the annual card fee, while XXXX at XXXX conceded the {$99.00} fee was fraudulent at XXXX p.m. on the same date I thought it was resolved. A bill arrived in late XX/XX/XXXX so I mailed a letter to you on XX/XX/XXXX 2017 which you did not respond to yet you continue to bill me despite this being previously resolved in a series of phone calls on XX/XX/XXXX 2017 :

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/17/2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: New mortgage with XXXX which was sold to shellpoint mortgage company. With all of the sudden change and confusion I had sent out post dated checks from XXXX. Upon no response as to checks received when I asked on the XXXX of XXXX I issued another set of checks for the monthly payments. I informed shellpoint that I stopped payments on checks XXXX to XXXX and replaced by checks XXXX. I asked them to destroy or return the checks upon receipt and keep the new checks. Shellpoint refuse to destroy the checks but submit them both monthly. I told them I can not afford XXXX sets of checks to be cashed monthly as payment on my account. Shellpoint is charging me NSF payments and late charges to my account for every month although they are receiving the monthly payments from my account monthly. I was told that I have until the XXXX of the month to make monthly payments. The checks they have on file are dated the XXXX of each month. 
I was told over and over after numerous phone calls and also after lodging a complaint that it is my error and the fees will stand. I find it very misleading by shellpoint for charging me all these fees and also telling me my account is in good standing. I asked if I could do auto debit from my account or pay over the telephone effective now for future. I was told the checks will still be deposited and I will be charge. Checks for XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX which they should return to me or destroyed ; instead they are depositing them and they were notified well in advance that they were stopped. A total of XXXX checks I am getting charged nsf fees and late payments for each month. They were notified immediately in XXXX. When I initiated the calls each time I was told they did not have my file from XXXX. I got scared and cancelled the checks and contacted my lawyer that did the mortgage because I did not know where they went. I only cancelled the first set of checks because I was instructed to do that by my mortgage broker and the mortgage lawyer. I would like shellpoint to destroy the checks or return them with confirmation and remove the late and nsf fees they are charging me unnecessarily which will run until XXXX XXXX.

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 05/20/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Application, originator, mortgage broker

Complaint: My hardship started on XXXX XXXX, XXXX. When my wife XXXX had an accident at XXXX leaving her almost XXXX, this was a really stressful time for us. Due to my wife 's health I was forced to miss many days from work, my previous employer just could not work with me missing days, or sometimes I needed to leave early to take my wife to her XXXX. I always provided a doctor 's note to my boss, but however he was looking for an excuse to let me go due to missing many days of work. Shortly after I got fired from my job, this was a major blow because my wife was not getting any income, we depended on my income. Also hospital bills were coming higher every time and we could n't afford the mortgage as well. I was fortunate to get hired at XXXX XXXX XXXX As a XXXX on XXXX XXXX, XXXX I am making {$750.00}. Bi-weekly at this new company. Also my wife XXXX is only getting Social Security income of {$710.00} per month she stop receiving the workers compensation since the end of the year. As you may check on my bank statement the last month she received workers compensation was on XXXX XXXX, XXXX. This brings our income to a total of {$2200.00} now I did inform Wells Fargo in regards to this change of income during the appeal process, but Wells Fargo decided that the trial offer was affordable even with my loss of income. This is really frustrating because Wells Fargo want me to make the trial payments even when my income has change. I decided to escalate my file to the Executive office, agent XXXX XXXX was extremely rude with a condescending tone every time we contact him, I feel that he could have done more from his end, that was the reason why I escalated my loan because I am tired of re-applying every time either Wells Fargo always uses the wrong income. I was offer a new trial and Wells Fargo used {$0.00} income and was able to provide me a non affordable payment once again.

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 10/24/2015 about Debt collection (Payday loan) with WHEELS FINANCIAL GROUP, LLC. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Constant phone calls 8-12x a day every single day, and now calling my reference call sheet to harass them as well. I offer for them to repo my car to pay off the balances but they refuse. Need help to stop this. I have to block their calls but everyday a new call appears instead. All calls coming from California - Loan Mart office # XXXX800loanmart.comLoanMartXXXX XXXX XXXX. XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I went through a name change when I got married in XX/XX/XXXX, changing my last name to XXXX from XXXX. I also moved and reported that to both the school and Federal Student loan dept. When it came time for my deferrment to end and to start paying, the company sent all the letters and payment requests to the old address that was NEVER forwarded. It was n't until the collections showed on my cbi reports that I was aware of the problem. By that time the XXXX XXXX XXXX XXXX transferred all my accounts to their delinquency credit collector who refused to accept my paperwork for repayment for 1 year and half! After finally threatening the credit agency with an attorney after speaking to one, the collection agency accepted my repayment plan on their own " made up '' terms. The credit reports continue to show the accounts as derogatory and unpaid since original date reported. I have been paying since contract with the credit company. The XXXX XXXX XXXX XXXX 's collection department has racked up over $ 7k in interest by stalling this process all along. When I call the XXXX XXXX XXXX to try to pay the entirety of the balances off with consolidation loans, they reject my requests and say their is nothing I can do but to stay in this ridiculous repayment program. They took my husband and I 's XX/XX/XXXX tax return and applied all $ 7k to the loan balance even though the credit program I contracted under said this garnishment would not happen. It 's ruined my credit and I can not buy a home. I have disputed it with all 3 credit bureaus. The cbi 's removed it and then it reappears again the next month. An attorney has advised me to contact your agency to help. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Struggling to pay mortgage

Complaint: I just received again a foreclosure notice from  XXXX   XXXX ,  XXXX  today  XXXX   XXXX ,  XXXX . The Trustee has scheduled the foreclosure sale for  XXXX   XXXX ,  XXXX .     On  XXXX   XXXX ,  XXXX , I called my dedicated loan specialist,  XXXX   XXXX  to check on the status of my HAMP Loan Modification I applied for in  XXXX . She returned my call but left me a message with her phone number which I already have and another phone number. She did not address the message I left for her on her voice mail.     In  XXXX  of  XXXX  she told me that my  HAMP Loan Modification with Nationstar is over because The HAMP Loan Modification Program deadline w as  XXXX   XXXX ,  XXXX . I disputed her claim because the program deadline did not apply to me as I have already applied for the modification in  XXXX . I also told her the deadline was for those who were yet to apply for the program. So, Nationanstar has unilaterally resolved to stop the process to modify my loan and closed the  HAMP Loan  Modification I applied for in  XXXX . According to the  HAMP Loan Modification Program guidelines Nationstar can not just unilaterally res olve the loan modification and sweep it under the rug ; it has to be bilaterally resolved. Their decisions were based on botched modifications and out right refusal to modify the loan. They never made any conscientious effort to modify the loan. Their main objective is simply to foreclose. Since they took charge of my loan modification almost six years ago they have been giving me the runaround, asked for the same documents over and over again and never utilized them to modify the loan. Also, they have engaged in lies and deceptions. They have been playing hardball with me over and over again ever since.     The  XXXX   XXXX   XXXX , said that a copy of the advertisement of the sale published in  XXXX   XXXX   XXXX  is enclosed in this letter and that is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Medical) with Windham Professionals, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Medical bill received for {$1000.00} from XXXX Hospital on XXXX/XXXX/2015 for an XXXX XXXX visit on XXXX/XXXX/2015. XXXX paid in full on XXXX/XXXX/2015. Debt collecting agency Windham Professionals , Inc. contacted me on XXXX/XXXX/2015 to collect debt, despite that it was paid in full. Windham Professionals , Inc. claims that they have contacted the hospital to verify that I had paid the debt in full, but are claiming that it was n't. After contacting the Hospitals billing department, It was confirmed that my bill was paid in full with a balance of {$0.00} and that XXXX XXXX is NOT affiliated with Windham Professionals , Inc. Not only is there no debt that I owe, but they are trying to convince me I owe a {$710.00} debt. 

Attached are Bills from the hospital showing the true amount owed, listing of claims from my Health Insurance company ( XXXX ), proof of bank statement payment, bill from Windham Professionals , Inc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2018 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I opened my account with US bank at XXXX XXXX XXXX XXXX XXXX, Ca XXXX on XX/XX/2018. When I opened the account I had XXXX XXXX oops me out of overdraft protection. Any transactions made and there was not enough money to cover the purchase in the account the transactions would be declined. Once the bank seen a had a direct deposit someone started manipulating the account causing overdraft fees. I made a cash deposit of {$76.00} using the ATM at this particular bank and the money has disappeared. The money has been missing unaccounted for-for 6 days as of today with no resolution.

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 05/22/2017 about Debt collection (I do not know) with BYL Collection Services (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On  XXXX   XXXX ,  2017 this company received a letter requesting validation where I asked themn either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDCPA Sec 809,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Payday loan, title loan, or personal loan (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (OH).
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint: I sent an email to Cash Central on XX/XX/XXXX stating I was revoking my authorization for them to debit any money out of my bank account. I received a confirmation email from on XX/XX/XXXX stating " My ACH has been revoked, and to disregard automated emails I received from them in regards to payments coming out of my account ''. On XX/XX/XXXX Cash Central debited {$55.00} out of my account which was not authorized by me and then on XX/XX/XXXX Cash Central debited {$480.00} out of my account again, which was not authorized by me. I sent them an email after the unauthorized debit on XX/XX/XXXX they claimed they would refund my money and did not instead they debited almost {$500.00} more dollars two weeks later. I have repeatedly sent them emails stating I want my money returned to my account and they have yet to do it. I am attaching to this complaint my emails I sent revoking my authorization and Cash Central 's emails stating it had been noted along with copies of the transactions they illegally did from my bank account.

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was checking my annual credit report, Transunion file no XXXX XXXX copy enclosed My name is considered a potencial match listed Us dept of treasury office of foreign affairs.Someone with the same in XXXX source uid XXXX. 
Im a US citicen all my life dont know this person.Never being to XXXX was not born in this country never being to this country dont intent to go to this country. 
Please I will like to have this removed from my credit file. 
Thanks PageNo on report 9 of 12

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 10/25/2016 about Debt collection (Mortgage) with Resurgent Capital Services L.P. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have made repeated attempts via phone and in writing to contact Resurgent Capital Services regarding a lien they have on my residential property. They apparently have purchased the debt from XXXX, but will not disclose any information regarding the debt, like how much I owe, a promissory note, or loan documents. They tell me my account is 'on hold ' when I contact them, I am locked out of the website they recommend I use to get information, and will not discuss this over the phone because it 's 'on hold '. I 'm trying to refinance my mortgage and this lien is preventing me from obtaining the loan. At this point, Resurgent 's lack of response is affecting my personal livelihood and ability to continue to run my business. I am willing to negotiate with Resurgent, but they will not respond or discuss. Either I need to understand the terms behind the lien, or the lien needs to be released immediately to resolve this issue I 'm being held hostage by.

Company response to consumer: Closed with explanation