milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/23/2015 about Mortgage (Other mortgage) with PNC Bank N.A. (NY).
Issue: Settlement process and costs

Complaint: In 2003 we purchased a home in CT. The lender in to eliminate PMI had us use a XXXX loan in addtion to the Mortage. This XXXX was described as a 30 year XXXX mortgage. A few years late when we were inquiring about the loan 's % rate of interest. It was explained that the loan in fact was XXXX yrs but we were paying as if it were a 30 yr. Therefore there was a 15 year ballon. This was not explained to us. We are XXXX years from the Balloon. My wife told me about this organization. The mortgage company issuing the mortgages was XXXX XXXX in XXXX, CT. The original main mortgage was XXXX XXXX which was bought by XXXX XXXX XXXX and since we have refinanced with XXXX XXXX. The XXXX Mortgage in question was originally XXXX XXXX and then was purchased by PNC Bank. Can you help us?

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX All this are wrong and i called the credit bureau and they do n't want to remove it ... from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Debt collection (Medical) with United Resource Systems, Inc (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: ATTN CFPB THIS IS NOT A DUPLICATE COMPLAINT, I HAVE BEEN AWAITING TO HEAR FROM UNITED RESOURCE SYSTEMS IN REGARDS TO MY RESPONSE TO THIER RESPONSE, BUT I HAVE YET TO HEAR BACK FROM THEM IN REGARDS TO MY RESPONSE. AS UNITED RESOURCE SYSTEMS IS NO DOUBT AWARE THEY HAVE LEGALLY FAILED TO VALIDATE THIS ALLEGED ACCOUNT INFORMATION WITH ME ACCORDING TO THE LAW, THEY HAVE ALSO NOT PROVIDED ME WITH A COPY OF WHERE I HAVE A LEGAL OBLIGATION TO PAY THEM ANY MONEY FOR THIS ALLEGED ACCOUNT. MY COMPALINT NUMBER THAT I PREVIOUSLY HAD WITH THEM IS XXXXCFPB PLEASE FORWARD THIS TO THE COMPANY, THANK YOU. 

This 2nd complaint is being filed against United Resource Systems in response to the above reference account that United Resource Systems has reported and listed on all three major credit reporting agencies ( XXXX XXXX. Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 XXXX b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that your offices have reported invalidated information to ALL three of the major credit bureaus ( XXXX XXXX this action constitute Fraud under both federal and state laws. Due to this fact, the negative mark that are found on all three of my credit reports by your company, or companies that you represent. I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST UNITED RESOURCE SYSTEMS FOR THE FOLLOWING : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (Credit card) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: DID NOT RECIVE ANY SERVICE FROM THIS COMPANY. I WAS LIVING IN SHELTER AT THAT TIME.

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 08-06-2017 about Debt collection (I do not know) with Ability Recovery Services, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have seen a collection on my credit from Ability Recovery Services for {$990.00}. It is the only collection on my credit and I 've never taken out anything for that amount. It was dated for  XX/XX/XXXX . I disputed it and asked the company to provide me with proof that the debt belongs to me. They ignored my request and re-reported it on my credit stating the debt was from  XX/XX/XXXX  which was when I had initially disputed the debt. Instead of providing me with adequate proof, they instead reported it to the credit bureau incorrectly saying I had opened this debt on the date I attempted to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Consumer Loan (Vehicle loan) with Bridgecrest Acceptance Corporation (NC).
Issue: Problems when you are unable to pay

Complaint: My boyfriend submitted fake check stubs to obtain a vehicle loan and is now hiding the car because he is unable to make the payments.

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 10/20/2015 about Bank account or service (Checking account) with U.S. BANCORP (OH).
Issue: Making/receiving payments, sending money

Complaint: XXXXMy name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ( XXXX ) XXXX cellOn or about XX/XX/XXXX my XXXX company transferred funds into my bank account at U S Bank. But my bank decided yo hold my funds, close my account and they are refusing to release my funds. I have spoken with the following bank representatives several times to secure my funds. But they insist that they have the right to put me on Chex XXXX, hold my funds, and are refusing to let me draw out my money! This has caused my mortgage to bounce because I need my money! 



I am on XXXX. I have XXXX XXXX and a XXXX XXXX. It is hard for me to walk! Please help me to recover my funds which the bank is holding unnecessarily long! It has been almost 30 days! 



The Bank representatives who are holding my funds : XXXX XXXX XXXX Brach Manager U S Bank XXXX. XXXX XXXXBoth have this telno XXXXThank you for any help you can give me! 



I need to be taken off of XXXX ( I do n't owe the bank anything not even fees ) I need my funds released immediately! 

Please help me! 

How do I get removed from XXXX? I do n't owe my bank anything! 




XXXX XXXX Check hold XXXX XXXX XXXX Dept XXXX U S Bank

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: Please see CFPB Case #  XXXX ,  XXXX  and  OCC Case  #  XXXX .   In  XXXX ,  Wells Fargo Bank ( WFB )  provides a refund on monies they stole under a previous case.  WFB fail s to provide an answer to my complaint in  XXXX . This is another example of the arrogance of WFB. Heres a summary of my original complaint th at WFB  arrogantly has failed to answer : Please see case number  XXXX  as it relates to this new complaint. I received telephone calls from  Wells Fargo  Bank on  XXXX / XXXX /  XXXX   from  XXXX  at  XXXX   XXXX  and on  XXXX / XXXX /  XXXX   from  XXXX  at  XXXX   XXXX  and  XXXX   XXXX . I was able to answer the call on  XXXX / XXXX /  XXXX  . When I answered the call the caller advised that he was calling from a " recorded line. '' The caller 's name is  XXXX   XXXX ,  Executive Resolution Specialist with Wells Fargo  Bank. I advised  XXXX   XXXX  that I did not want to be recorded. He responded that he could not stop recording my call. I advised that the statute  ( Cal. Penal Code 632 )  in California regarding confidential communications was clear and that both parties had to consent to the communication being recorded. He again advised he could not stop recording. I told him that I specifically was NOT consenting to the call being recorded. It appears I can not speak with someone at  Wells Fargo on the telephone regarding confidential matters without being recorded. I believe Wells Fargo is v iolating the California statute regarding confidential communication recording. I specifically declined to the recording while on the call with  XXXX   XXXX . I did continue the call as there was no other option to resolve the matter in the above referenced complaint via telephone without being recorded. It appears I can not seek remedy under the previous CFPB complaint without consenting to being recorded. I am asking that the CFPB compel and orde r Wells Fargo  Bank to comply with the confidential communication recording statute in California. In  XXXX  #  XXXX ,  WFB ad mits they violated the law by recording my telephone conversation ( see attachment to Case #  XXXX . ) I would like  WFB to  address the complaint in Case #  XXXX  and provide a response.

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 09/16/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar reported in accurate info on my credit report. I was suppose to have a 60 day grace period of when the loan got transfer. I told them that and they still would not remove the inaccuracy, this has resulting in me not being able to qualify on a conventional loan when I tried to buy a house this year. 

Nation star bought the loan from a different company, this company have a 3rd party customer service rep XXXX and those people also told me inaccurate information, as they did not take any responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (ID).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Over the past several years, my lender influenced me to continue applying for forbearance actions with my loans rather than provide me with helpful information regarding repayment plans based on my income. I continued to ask about payments ( specifically, payment options based on my low income ), and continuously ended up using forbearance strategies based on the advise of my lender.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XX/XX/XXXX My name is XXXX My Parent Plus Student loan is now been service by Navient Acct # XXXX XXXX On XXXX XXXX agreement was signed with the intention to send my XXXX year old to attend school at XXXX in XXXX XXXX, Ca. with a XXXX loan from XXXX for {$23000.00}. She did n't attend and moved to another city. In XX/XX/XXXX I filed XXXX bankruptcy due to the financial nationwide real estate collapse since I was in real estate and I was foreclosed on my house. During that time I tried to contact them to make sure all my financial facts were correct during my meeting with bankruptcy attorneys. I was not able to get a response from them and I was informed they closed because of legal issues due to predatory, deceptive and unconscionable lending practices. 

I spent the next 5 years making $ 650 monthly to the court required by my bankruptcy. In XX/XX/XXXX my bankruptcy was discharged and never hear anything from them. On XX/XX/XXXX ( 2 years after my bankruptcy discharge ) I got a letter from Navient stating that my request for forbearance of the payments was just recently approved. I never even talk to anyone since I filed bankruptcy in XX/XX/XXXX. Navient said they were servicing my loan now and that my loan balance now was {$46000.00} at 8.50 % interest. And that my payments would resume on XX/XX/XXXX ( the month after ) for {$600.00} monthly. Since then they have been calling me more than once everyday even if I explained the situation to them and the confusion. I told them that I was not informed of this loan to be paid during my bankruptcy and that I was incurring interest at 8.50 % during my bankruptcy protection that lasted 5 years.. I will be XXXX years old in XX/XX/XXXX. My health is not well. I am taking XXXX and medication for XXXX. I am on XXXX, XXXX XXXX for my XXXX and have XXXX.I told them I was't aware that there was even a loan, never less that I was incurring interest during the 5 years of Chapter XXXX bankruptcy protection. They are very aggressive. Every time the representative offers me to talk to a supervisor they never come to the phone. Once they told me they were going to transfer me to customer service and instead they hanged up on me. I have call them back numerous times trying to see if the problems is solved and all they want to do is collect or push me into and sign a forbearance were interest keep growing. 

Please I need help to resolve this issue as soon as possible. I am XXXX and this is causing a lot of XXXX in my personal life and health. 

I really appreciate it! 

Thank You! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit card () with WELLS FARGO & COMPANY (OR).
Issue: Closing/Cancelling account

Complaint: Wells Fargo closed my credit card with out notification. They stated that they closed the card because it was not used for 6 months. This action taken by Wells Fargo has had a negative impact to my credit rating.

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 03-07-2016 about Credit card () with TD BANK US HOLDING COMPANY (MA).
Issue: Late fee

Complaint: My inquiry is what the law allows in terms of fees charged e.g. a late payment 'fee ' that is XXXX % of the minimum payment due. Can a 'fee ' be almost equal to the principal and interest due on a revolving credit account? It seems excessive and designed to compound every month. This with Nordstrom Bank. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit card () with AMERICAN EXPRESS COMPANY (MA).
Issue: Cash advance

Complaint: To Whom It May Concern : On XX/XX/2016 I attempted ( unsuccessfully ) to withdraw ( drive-up ATM ) {$300.00} from my American Express ( Serve ) credit card ( hereinafter AMEX ) - via my local community bank retail branch ( XXXX XXXX, XXXX XXXX XXXX, XXXX, MA ). After correctly inserting my AMEX Credit Card, entering correct PIN #, requesting {$300.00} cash ( sufficient funds in account ) and agreeing to XXXX XXXX and AMEX ATM transaction fee ( s ), the ATM locked-up and shut down, never dispensed any cash whatsoever ( {$0.00} ), and would n't release my credit card. I immediately went in to the bank 's branch, informed Branch Manager of what happened and assistant was able to get my credit card - but no cash ( as requested ). I complained to Branch Manager, then went home and logged in to my AMEX account. My AMEX account had been debited ( same day and time ) for a total sum of {$300.00} from the failed transaction ( {$300.00} cash requested, {$2.00} AMEX withdrawal fee and {$2.00} XXXX XXXX ATM fee. Then I went back to bank branch and was informed that I would have to file a dispute directly with AMEX ( informed by Branch Manager required by federal law via some Regulation E ). The following day ( XX/XX/2016 ) Branch Manager informed me that the funds I requested had been received by them from AMEX and that ( per Regulation E ) they had to wire same amount back to AMEX. So I correctly completed and faxed AMEX 's XXXX-page dispute form. Several days thereafter I received a " provisional credit '' from AMEX for {$300.00} ( within the 10-day period ). Several days later I received e-mail notification from AMEX that I lost the dispute ( was found guilty ) and the funds would be taken back ( my account debited ) on XX/XX/2016 ( which they did ). I was so upset I almost had a XXXX XXXX ( XXXX ). In closure, I 've been ripped-off a total of {$300.00}, and from my perspective it 's outright theft ( stealing ). By what company I do n't know ( 3rd party ATM transactional processors, etc. ). As much as XXXX XXXX staff sincerely tried to help and advise me, neither XXXX XXXX nor I know of what company the credit ended up with. AMEX customer service ( off-shore in-bound customer service call center ) will not, or possibly can not, provide XXXX XXXX and/or myself any contact person or phone # for anyone in the AMEX dispute department. I 've repeatedly called and repeatedly told the case is closed, and nothing can be done. CFPB, I completely believe what happened to me, and likely XXXX 's or XXXX 's of others in the past and future is just not some digital ( programming ) transmission mistake. Bottom-line I want credit card credited for {$300.00}. All of the above is 100 % factual. 

P.S. Hopefully, I will not me executed ( socially exterminated ) for challenging corporate America protocol ( the greed factor ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently pulled my credit reports after being denied credit and found several accounts that were not mine. I put a Fraud Alert on my credit report with the XXXX main credit reporting agencies. I then sent a letter to XXXX XXXX XXXX on XXXX XXXX, 2015 who are listed as collecting for XXXX. I requested proof that this accounts belongs to me and copies of any documents showing my signature where I agreed to pay this card. I have received NO response from XXXX XXXX XXXX. It has been well over 30 days now without a response. I am demanding proof of my signature on a contract saying I would be liable for this account. They can not continue to ignore my request, nor can they simply say that because someone with my name who got ahold of my SS # and opened an account under my name makes me responsible. I am demanding that they delete this incorrect account from my credit report with the XXXX big credit reporting agencies immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 10-07-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There is a XXXX XXXX account which is being reported as a Negative account on My Experian report. I called XXXX XXXX and was told the account was closed back in 2012. I can not fathom why it is being reported negative if it 's closed. I went to my bank, to apply for a Personal loan, and was denied because of that account being Negative on my report. Is there anyway, something could be done to have it removed. It has left me in a bad place, not being able to apply and get a loan. 
Thanking you in Advance for any assistance rendered.

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 02-05-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: HERE ARE THE DOCS THAT WERE SENT IN 2014 THAT NATIONSTAR SAID THE DID N'T RECEIVE. THEY FAILED TO FOLLOW THE HOME OWNER BILL OF RIGHTS. THEY ALSO VIOLATED CIVIL CODE XXXX XXXX XXXX XXXX CA LENDING /SERVICING BUSINESS CIVIL CODE XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I consolidated my XXXX XXXX student loans when I entered XXXX XXXX. At the time I was not notified that loan consolidation would or could disqualify me for XXXX loan forgiveness. 
Due to hardship I placed my loans in forbearance and of course the interest piled on. Forebearance nearly doubled my student loan debt. 
Several years later, a fellow XXXX told me about the XXXX forgiveness option. I submitted my papers and received a letter from Navient telling me my consolidation disqualified me for the forgiveness program. 
The only time XXXX XXXX or Navient has ever contacted me was when I was late on a payment. 
Not one representative bothered to inform me of available resources such as XXXX forgiveness programs or better repayment options than forebearance I have been paying my loan for years and since the loan balance never seems to budge, I will still be paying when I retire. 
Dissatisfied and disgusted! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NC).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I had a promotional offer that expired during my XXXX XXXX billing cycle. I paid the balance in full on the XXXX billing statement due date. Chase charged me {$27.00} in interest despite that I paid the balance in full. They indicated it was because the promotion expired on XXXX XXXX, XXXX and I paid the balance on the statement due date that was XXXX XXXX, XXXX. It was not stated on the statement that I need to pay off the promotional balance by XXXX XXXX vs on the statement due date. If it was it was not apparent. Chase could clearly see that I paid the balance off in full and should not have charged me the interest. They need to have more clear disclosures on the statemen that the balance needs to be paid by the end of the promotion period to avoid interest charges. This is a change from prior promotional offers I have done which have always been on the statement due date. Also I want to ensure that this will not be negatively impacted on my credit report.

Company response to consumer: Closed with monetary relief