milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/24/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (OH).
Issue: Closing on a mortgage

Complaint: XXXX XXXX my mother quick claim her home to me. I began making payment. which was with a another mortgage co. in XXXX XXXX the home caught fire the insurance co as well mortgage co was notified in XXXX of XXXX the mortgage was sold to another mortgage co which I to prove the deed was signed over to me at that time I could only talk with the department that deal with insurance claims in which I got the run around with the contractor papers. I at that point ask for the home to be paid off in which I submitted a letter at that point they stop talking with me. in XXXX of XXXX I received a call from them asking me if I still wanted the home paid off I ask about the letter I submitted and was told to submit another that one was no longer any good at that point I ask a friend who is a lawyer to contact them in which he did in XXXX of XXXX I found out they indeed paid the home off but never notified me or lawyer I had to XXXX in back taxes in which said mortgage co stated they had been paying the taxes and would take out of money owned to me call friend ask if he would contact mortgage co ask were was the balance owned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX has continued to harass me at my place of employment, even after several times of me asking them to stop calling my work They are trying to collect on a XXXX mortgage that was taken care of with Bank of America back in 2010 In conversations with them I have asked them to send me documentation on the debt, they have yet verified the debt, The calls and the lack of corporation is out of control they call my place of employment from several different numbers, I can provide you with a few if needed

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 08/31/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (TX).
Issue: Money was not available when promised

Complaint: On Sunday XXXX XXXX XXXX I attempted to withdraw money from my PayPal account to my bank. The withdrawal immediately was placed into " pending '' status. After speaking with someone in reference to why I was assured that my money would hit my bank at max 48 hours. On Wednesday XXXX XXXX I contacting PayPal again to figure out why my funds have n't been released. I was hung up on twice! Then after being told that I will get my money whenever hung up on again a third time by a " supervisor ''. PayPal has really put me in a financial bind as I need my money. As of today XXXX XXXX my withdrawal is still in a " pending '' status. I feel helpless and ca n't believe this type of treatment is legal. I 've read several reviews on PayPal and they 've been doing this to poor consumers for years under the guise of " sercurity '' reasons. Total XXXX XXXX  we know you guys are making interest from holding onto people 's money! XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (OK).
Issue: Managing, opening, or closing account

Complaint: About 2 weeks ago ( XXXX XXXX, 2015? Rush Card ( UniRush ) said they would be doing a system update. Well since then I have been unable to access my funds. I have called everyday since this has been going on and still havent heard anything. I have been told they cant access my account and that its being worked on and there is nothing they can do. They have a system called Rush Goals that is like a savings and I have money in there that I cant access to withdraw off the account. I have been a member with Rush Card for 5 years and this is unacceptable. I have contacted them via phone, email, XXXX, XXXX, and XXXX and no response from anyone. I need my money, that is money i use to set aside for grocerys and I cant do that. Please, Please Help Me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-06-2017 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I submitted disputes months ago regarding : XXXX - Tax Liens by Mississippi. 
I submitted the LETTER of PAYMENT ( s ) for all XXXX issued by Mississippi Dept. of Revenue to ALL XXXX bureaus. 
XXXX currently shows ALL Liens as RELEASED. 
Equifax still does not show them as released. 
When you try to do an online dispute it is almost impossible to complete. 
XXXX makes it very convenient to file disputes online. 
However, the 1st Question / information you must supply is a XXXX digit report number ... .. this number is not available.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have my loans through Navient. About 2 years ago I was forced to pay a much higher monthly payment then when it was XXXX XXXX I complained to them but it did no good. My monthly payment almost doubled from what it was. Since then I 've been making the monthly payments but it has not lowered my balance at all. According to my tax statement half my payment is going toward interest. I lost my job in XXXX and they gave me a six month deferment but I know that will just add more interest. This whole student loan thing seems to be nothing more than a profit making scam.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am submitting a complaint regarding a past due amount requested by student loan servicer, Navient. 

I applied for an Income-Driven Replayment plan before resuming payments on my student loans serviced through Navient. On XX/XX/XXXX, I received an email from Navient stating that they have approved my request. According to Navient, my IDR plan overview was as follows : Monthly payment amount : {$330.00} Plan begin date : XX/XX/XXXX Plan end date : XX/XX/XXXX On XX/XX/XXXX, I paid the full amount due as agreed by logging into my online account on the Navient.com website and submitting a payment of {$330.00} via bank transfer. The amount was posted successfully to my account on the same date. 

On XX/XX/XXXX, I receive an email from Navient containing " a snapshot '' of my monthly statement. According to the email, my total payment due was now {$360.00}. I logged into my Navient.com account and saw that I now have a past due amount of {$30.00}. 

Please note, I did not receive any communications from the company stating my account was past due, nor was I told that I owed $ XXXX/month instead of {$330.00}. 

I have attempted twice by phone and email to contact Navient and rectify the issue, but I have not heard back regarding a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2016 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (MD).
Issue: Loan servicing, payments, escrow account

Complaint: The purchaser of our FHA mortgage, RoundPoint Mortgage Servicing Corporation, refuses to pay our special assessment ( Front Foot Benefit Charge ) from escrow despite collecting the amount each month. XXXX XXXX XXXX XXXX, Chapter XXXX, XXXX XXXX ( D ) ( XXXX ) states clearly that special assessments are required by XXXX to be escrowed. More so, XXXX XXXX XXXX, XXXX XXXX, XXXX A ( XXXX ) ( a ) ( XXXX ) ( A ) is unequivocal when it states : " The Mortgagee must collect a monthly amount from the Borrower that will enable it to pay all escrow obligations in accordance with XXXX CFR XXXX. '' Special assessments are listed as an obligation. 

This item was correctly accomplished during the establishment of our escrow account by the original mortgagee, XXXX Mortgage XXXX XXXX XXXX, as noted in XXXX XXXX, for a monthly payment of {$100.00} ( for the annual assessment of {$1200.00} ) as required by para XXXX. However, the following attachments will provide the information required to show that RoundPoint Mortgage is not meeting its XXXX obligations for this government-backed mortgage. 

Atch XXXX is the current mortgage statement. It clearly shows a payment in accordance with XXXX XXXX. Atch XXXX is the current escrow account. Atch XXXX is our current property tax bill. XXXX XXXX is the home insurance. Atch XXXX is the escrow analysis that RoundPoint accomplished which does NOT show the special assessment that is being collected. Please note that RoundPoint is collecting property tax that is 23.69 % higher than required per 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 03-07-2017 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (AL).
Issue: Problems when you are unable to pay

Complaint: voluntarily turned vehicle in, but I am still being harassed by AHF (American Honda Financial)

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am in the process of getting vetted for a teller position at my town 's bank. I 'm in the background check part of the process and received a copy of my background report. On it under public record it lists a case I have no knowledge of and belonging to another family member. I would like this removed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-12-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of america is Lieing, they are saying that my home was refinanced in 2014, I never accepted there offer to Refinance because number XXXX, the Ex Co-Barrowers name ( XXXX XXXX ) was still on every page,2, the refi was not a FHA Hamp,3 , they did not give me any disclosure or details at all.3, the XXXX payment was already late when I got the mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XX/XX/XXXX : This morning, I became aware of the Equifax breach which happened between XX/XX/XXXX and XX/XX/XXXX and I entered the last four digits of my social security and my last name on the following website to check if I was a possible victim of identity theft : https : //www.equifaxsecurity2017.com/XXXX. After checking, I was given the following notice, " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I went ahead and ordered my credit reports through XXXX, checked for any discrepancies and followed up with a 90 day fraud alert as well.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: Bank of America said they ended a promotion waiving fees on savings account. They said they sent a notice but i did n't receive one. I asked that the {$20.00} in fees be refunded and they refused. I would like the {$20.00} ro be refunded to 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 monetary relief
Consumer complaint received 12/18/2015 about Debt collection (Credit card) with Mullooly Jeffrey Rooney & Flynn (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Good morning in 2008, unknowingly to me there was a default judgement against me for XXXX, with an original creditor of XXXX XXXX, I have never had a XXXX XXXX account, I was an authorized user on some of my friends accounts but not sure if XXXX defaulted. Also I was never notified of the court proceeding or served. Fast forward to recently, instead of hiring a lawyer and going through a hassle of trying to fight a default judgement I agreed to a settlement and explained to the debt collector that it is not my debt nor was I ever aware or notified of this debt but I am willing to settle it we agreed on the amount a few days ago. I asked the debt collector to look at the files and you can see I was never the main account holder XXXX XXXX seize he does not have access to the files or he ca n't do anything for me but take my money for a debt legally speaking should n't have been mine in the first place. The debt collector can not legally validate the debt, he should not be accepting my money. Also he wo n't do the right thing in vacating the debt that was n't my legal responsibility in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This company never sent me my right to dispute and never sent me a single written communication until after I filed a complaint against them. Even after they sent that letter supposedly verifing a debt that I do not believe I owe, still no right to dispute, and they committed libel against my person by putting a collection mark on my credit without even talking to me. The law states that they must send me written communication 5 days after initial communication, I guess they figure that they could try and get around the law by never trying to contact me. Now they claim they did try to send me a letter before the one I got, so I sent them a certified letter with return receipt telling them that unless they can provide me proof of this, they will remove their info from my credit report or I will take legal action. The usps confirms this letter reached them on XXXX XXXX XXXX   2017, it was signed for but since they refused to date the return receipt, I can only assume this was read on the same day. The 30 day mark has been reached and since they no longer have enough time to remove the info from my credit, either provide me proof that a letter was received by me or I turn everything over to my lawyer who will be in contact about your violation under the FDCPA. If this complaint is not responded to, I will let my lawyer know this also. I have exhausted every attempt to try and solve this issue in a fair manner and both XXXX and XXXX have refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Unauthorized transactions or other transaction problem

Complaint: I recently sent a complaint regarding  XXXX   XXXX   XXXX   claim #  XXXX  I had  XXXX  clients transfer money from  XXXX  to my bank  of america  account,  XXXX  claimed it was send,  BOA said  they did not send. After over a month of going back and forth with both banks it was finally revealed that yes the money was sent t o BOA, so  XXXX  did nothing wrong. The problem was with Bank of America, tu  rns out, one of  my other clients, ( actually tenants, I have a property management company ) tried to do a similar transfer using my cell phone number, he went to the branch to set it up, and the branch person instead of having the money sent to my account actually set it up to go into the this guys account and in turn s o did the two ot her tenants from  XXXX  who tried to send me money. ALL WENT INTO ACCOUNT OF THE TENANT.   Had Ba nk of America been upfront and discovered it the day it went in, we would have been fine, and I could have got the money back, instead on at least 10 occasions of me going into the branch and countless hours on the 800 number I was told by Bank of America it  was all the fault of  XXXX  and no money had been sent to any BOA account.   Now that they fess up to it 30 days later, turns out the guy 's account the money went into spent it and does not have it. He is still a tenant of mine and claims he will make payments, he ha s made one for {$600.00} and still owes {$2100.00}. BOA claims it is up to me to get he money, this is BANK OF AMERICAS problem. Can anybody walk into a branch, give a phone number and have money taken from somebody else 's account. This is not acceptable. These banks are quick to charge a customer huge fees when they make a mistake, this is 10x greater then any mistake a customer can make. I need this money put in my account now before i file a major lawsuit. If they want the money f rom the person whose account they put he money into, they can get it. In the meantime I want them to put the remaining {$2100.00} in my account ASAP.

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 10/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The original creditor was XXXX and they were paid directly a long months ago. XXXX said they notified the collection agency about the payment once it was received and they should have never put this on my credit report in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received, namely, promotion XXXX. The promotion promised an award of XXXX XXXX XXXX AAdvantage ( R ) miles upon completion of {$1000.00} in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. A copy of the terms and conditions of the promotion is attached. 
After completing the requirements on XXXX XXXX, 2016, I messaged Citibank via their online secure messaging system to confirm that I was enrolled in the promotion and had met the requirements. Citibank confirmed that the requirements had been met and that I should receive my XXXX AAdvantage miles by XX/XX/2016. A copy of this communication from Citibank confirming enrollment in the promotion and completion of the requirements is attached. 
As of the date of this complaint, my AAdvantage miles have still not been rewarded, despite them having been promised by XX/XX/2016. I note that the terms and condition of the offer state that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. '' Therefore, technically, under the terms and conditions of the promotion, the miles should have been awarded by XXXX XXXX, 2016, which is ninety ( 90 ) calendar days from the date on which the requirements were completed ( XXXX XXXX, 2016 ). 
Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over 18 years of age, and I had never before held a consumer checking account with Citibank.

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 02-01-2017 about Credit card () with SYNCHRONY FINANCIAL (KY).
Issue: Delinquent account

Complaint: got behind on account. Finally made arrangements over phone with someone to pay XXXX payments by autocharge/monthly. My understanding - this would catch acct back up. Orginally payments were $ XXXX dollars/month. Today 's bill - after 4 or 5 of these paymts in payment arrangement says I need to pay $ XXXX minimum payment. Apparently everything I 've paid over the past year has gone to late charges & interest. I am no where near catching up after this " payment arrangement ''. They are supposed to review account after telling me when I made those arrangements it was not to catch me up. If not - why the XXXX would I have made such an arrangement ( $ XXXX/month ). I have n't heard anything yet.

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 06/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a chapter XXXX Bankruptcy on my credit bureau that does not belong to me. I have disputed the incorrect information several times and each time the credit bureau responds that it is verified. How can they verify something that is not correct? Apparently the law does not state how they are allowed to verify a bankruptcy and because the court does not verify they can use any 3rd party service they want to so called verify it. This is according to the credit bureau themselves, so not that they care its wrong as long as they verify it from some hack third party verification service that has it wrong. This misinformation has haunted my credit bureau for almost 7 years and I cant believe that a credit bureau has this much power and makes it so hard to get incorrect information off a report. The law needs to change and bureaus held accountable.

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 03-01-2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Trouble during payment process

Complaint: I have submitted XXXX and XXXX 2018 payments via the webpage where it states when the next month of the payment is due. 

They have taken my XXXX payment and applied it to principal instead of XXXX   2018 mort. payment That is not what I wanted or what was indicated on the webpage. They are demaning another payment for XXXX which I can not pay. 

The company refuses to acknowledge this misappropriation. 
Todays date is XXXX XX/XX/2018 Mr cooper mortgage company XXXX Loan # XXXX

Company response to consumer: Closed with explanation