milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/19/2016 about Bank account or service (Checking account) with U.S. BANCORP (AZ).
Issue: Account opening, closing, or management

Complaint: I had fraud on my account XX/XX/XXXX and my husband said he was taking care of it and it the meantime XXXX or XXXX accounts were open in my name that I was unaware of and XXXX stayed open from XX/XX/XXXX until XX/XX/XXXX. My husband tried to deposit XXXX checks in which one was deposited at around XXXX in the afternoon and we were at the bank before they opened to make the deposit but it was already sent and returned overnight. The other was for a job he did and when he deposited it in his account they said it would be available the next day so he deposited a check in my account and it came back so now the branch manager at the us bank XXXX location is closing my account based on this XXXX account even though I have been with them for around 16 years and always in good standing. When I went to the bank I found out that a credit card was charged off in my name that I had no idea of. I tried to explain it to the branch manager XXXX XXXX and he said he wanted proof even though the us bank fraud dept is mailing us a packet and he spoke to the banker who spoke to them. he also said he wanted proof that we filed a dispute with the credit bureaus which they did not send and they said you wont get a response for 30 days. It is my opinion that this guy did n't want to do his job and look at my history because he admitted he was just basing this off this account and he had the right to keep it open according to the operations division that suggested me at a high risk even though I have excellent history with them. When the first check came back they put a hold on the account on XX/XX/XXXX and did not notify anybody and the accounts that were opened were done through direct bank but yet nobody found it odd that someone would open XXXX accounts within a months time and no activity. I explained to him that I just wanted my account open and if it happened again then fine close it but he was not customer friendly at all even though I sat on hold to operations office for a while listening to how us bank is customer friendly.

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 01/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: XXXX its in collections when i paid off the phone i was not under no contract but there charging me on that back in 2012. XXXX its also in collections i paid them for 12 months after that in XX/XX/XXXX i cancelled it after the 13 month.there both in collections i try speaking to them when they call all they do is harass me saying they need there money!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I received a letter fro m Capital One  Bank dated  XXXX   XXXX ,    2017 stat ing  that Capital One  Bank was closing my account due to Principal ow ner ( s ) have  past, present or pending legal action on acct ending  XXXX  which is my personal account. I have contacted this bank and asked them what legal action do I possibly have they would not tell me, I knew I had none pending in any cou rt , county o r anywhere except for a divorce. I told the bank representative that all i had was a divorce but they insisted it was more I searched all federal and state records and even had an attorney look into it and he stated he could find none. Then 2 days later I received a letter dated  XXXX   XXXX ,   XXXX   stating tha t Capital One B ank was removing one of my authorized users from my business account ending  XXXX  because of her past, present or pending legal action even though she is not responsible for this account she is just an employee. Then I received a letter from  Capital One Bank  stating that they were closing my business account ending  XXXX  all together for these same strange reasons of past, present or pending legal action. I have not been charged with any crime or convicted of anything. I have paid these cards faithfully one time and with extremely more money than what was required for the minimum payments du e. Capital One has hur t m y Credit Score b y closing these accounts with balances on them and this sort of action is very unfair and should be against the law. I am including copies of the letters from this unprofessional, inconsiderate bank.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Mortgage (Conventional fixed mortgage) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX PA and XXXX XXXX PA denied me XXXX commercial mortgages, FNB is my commercial bank and it took them 7 months to decide. No cause given except " cash flow ''. New real estate would have generated {$12000.00} monthly positive cash flow. Assets, credit score, bill pay history all very acceptable. Net worth over XXXX dollars US 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 10/26/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (SC).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I contacted Diversified Consultants at XXXX about a debt collection that is on my credit. I spoke with the first representative that treated me like I was XXXX. He said that I was so XXXX for not reading my contract. He yelled at me and would not allow me to speak. I asked to be transferred and he laughed and me and kept yelling " hold on ''. He then transferred me to another representative that was just as rude. He would not allow me to speak. He would not refer me to who to contact at XXXX about this amount that they have sent to Diversified Consultants.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (MA).
Issue: Managing the loan or lease

Complaint: I want to know if my husband 's name and my name were being used by Wells Fargo to open phony accounts. We were their customers for auto loan from XXXX XXXX to XXXX XXXX. I found it odd because our Honda CRV 2003 was paid off in 5 years by $ XXXX to compare with Wells Fargo 's Mazda3 XXXX it took us 7 years to pay off $ XXXX Thank you, 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 02-10-2017 about Payday loan () with Green Trust Cash, LLC (PA).
Issue: Charged fees or interest I didn't expect

Complaint: I took a loan from " Green Trust Cash '' for {$350.00}. The monies were credited to my bank account on XX/XX/2016. 
To date, I have paid a total of {$370.00} and per Green Trust Cash customer service, I have an outstanding balance of {$320.00}. 
I have since realized that online/payday/tribal loans are illegal in the State of PA where I reside. And, any lender can not charge more than 6 % interest. 
On this loan, that would be the Principal : {$350.00} plus 6 % interest : {$21.00} Based on PA law, I have overpaid by {$4.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (NJ).
Issue: Account opening, closing, or management

Complaint: XXXX merged into M & T Bank XX/XX/XXXX. In XXXX XXXX XXXX XXXX 's accounts were integrated into M & T 's system. XX/XX/XXXX, M & T cut the interest rate for My Premium Checking Accounts from .25 % from where it had been held during the proposed merger period to .001 % which is unconscionable. My local branch in XXXX, NJ stopped displaying the current interest rates so that customers were not informed until after they received their monthly statement which took up to several weeks after the rate change. M & T Bank is offering bonuses to new customers which appear to be paid for with the reduced funds they are paying to existing depositors. The impact of the interest rate change is greatest on elderly and XXXX customers who live on a fixed income and find it hard to move to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Non-federal student loan) with Genesis Lending (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: There was a lawsuit against the school that I attended and they are closing the school down as a result. I was paying my loans at the minimum that I can afford and now the loans are being serviced by a different company. I can not afford to pay the loan at this time and I am receiving notice of default. How can I resolve this issue when the school is being sued for the way they talked students into taking the loan in the first place, I should have never been approved because I was not working at the time and they asked if someone could help me pay it. The person that was helping me is no longer in my life and I am stuck with the obligation when he agreed to pay it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Credit reporting () with HCFS Health Care Financial Services, Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I spoke to XXXX from ARS requested I fax copy of benefits from XXXX for XXXX to XXXX called XXXX ( spoke to XXXX ref # XXXX XXXX/XXXXXX/XX/XXXX XXXX indicated did n't owe it was covered under the urgent care copay. Called ARS gave marys contact info. Also did a XXXX way. ARS said they would Look into it. Never updated me and never called be back to let me know a status update. 
name company never resolved issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have loans with Navient and I the repayment options are impossible. I do n't see how the repay is this high, the interest is high as well. I feel that Im being over charged. The constant harassing calls, emails, and letters are out of control

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Mortgage (Conventional fixed mortgage) with TRUSTMARK CORPORATION (MS).
Issue: Loan servicing, payments, escrow account

Complaint: trustmark bank holds my note as a mortgage, for several months ive ask trust mark to explain why it is why every single month im stuck with a late fee, and no one that works for the bank does not want to explain why my im it with late fees, and my mortgage increases every month.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (OH).
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/XXXX I filed a benefit request with account assure which protects my victoria secrets accounts, account assure paid benefits to both of my accounts. I found out that on XX/XX/XXXX Victoria secret merged the balances of both accounts to one account. My benefits were both approved by account assure creating a XXXX credit on the closed account. I called into Victoria secret to get the credit moved over to the current account, so that would reduce the amount I owe since my XXXX was covered for all charges XX/XX/XXXX and before. I was told a dispute was filed and I would receive a provisional credit on XX/XX/XXXX. I have contacted Victoria secret and comenity and have no luck getting any information. When I logged into my account to check status I see my balance due has double and a balance transfer was completed XX/XX/XXXXfor XXXX the amount that Was a paid benefit from account assure is actually showing as a charge I owe. I have contacted Victoria secret XX/XX/XXXX and XX/XX/XXXX and no on has an answer so now my account balance is over XXXX dollars more than it should be as well as its been reporting horribly to my credit report. I have never had so many issues with a company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-11-2016 about Debt collection (Medical) with Michael Harrison, Attorney at Law (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Lately we have received debt collection notices from a Michael Harrison Esq. in XXXX, NJ. The notices started coming in XXXX for services allegedly incurred by my daughter, who has a XXXX and a lot of medical expenses, in XXXX. Now we 've received a notice stating we are being sued for {$1200.00} for a bill of {$950.00} from XXXX which was allegedly unpaid, but for which we have not received any communication from the provider in years. We assumed it was a scam. Now we 've just received letters from XXXX XXXX notifying us that XXXX additional charges are 'authorized for lawsuit. ' The letters do n't even give a the services were provided, so we do n't even know what year we are talking about. Again, we pay about {$10000.00} in medical bills to various providers annually and generally pay promptly. We have no idea where these charges came from or why we are getting notices from a collection agency years after the fact. And now XXXX XXXX is using the court system to harrass and intimidate us into paying money - to his firm - which we are fairly certain is not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have requested information on a XXXX XXXX account several times for validation of this debt and I have n't received true validation. Please help me They only send back generic information

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 03/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with TIAA, FSB (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My daughter forged my signature on mortgage loan documents and forged my name with a notary. Now my house is in foreclosure. XXXX XXXX Police Department, California Senator, XXXX XXXX, and California Assembly Woman, XXXX XXXX are all trying to help me. My home is in foreclosure and going to sale on XXXX XXXX, 2016 at XXXX XXXX. 

The XXXX will take another year before they start investigating. 

Please read the attached letter form more details Please stop this foreclosure until the investigation is over.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (FHA mortgage) with BROKER SOLUTIONS, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX I had a broken pipe and my home was damage, XXXX XXXX. step in and did and evaluation and immediately start initial work. As soon as they finish the constructor completed the reconstruction and I paid them meanwhile XXXX send the check. 
When XXXX send me the check, I have to endorsed to Newamerican for them to evaluate the damages en return me the money I already spend. New American send an inspector and at this time is giving me a hard time to collect that money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was provided incorrect information by Nelnet regarding what benefits my student loans, that are in my father 's name, are eligible for. At the time of consolidation, we were told that the newly consolidated loan could be deferred if I were to pursue further education. This was very important in our decision to consolidate the loans as we had always planned to pursue further education ( Both my sister and myself are impacted by this. She also consolidated her loans post her graduation as well ). A couple months ago I had contacted Nelnet to discuss this topic along with switching the loans to income contingent repayment. During the multiple phone calls that took place during this day, I was told numerous things about my benefits from multiple people that contradicted each other. The end result was that I was told that I could not defer my student loans while being enrolled in school. This is a clear and blatant violation of the Dodd-Frank act. I was provided incorrect information that altered my decision making and in return has resulted in financial harm. To make matters worse, I was again told I could defer my student loans when I first complained about this violation to Nelnet. Then again, they told me this information was incorrect when I contacted them via phone. I have email evidence of this violation of the Dodd-Frank act that they committed. I have contacted Nelnet again about compensating me for this financial harm they have caused and they say they can not do anything and will not admit to wrong doing. Being that this is a violation of the Dodd-Frank act I believe I am not only correct about the issue but also entitled to compensation for the financial harm they have caused.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (I do not know) with United Revenue Corporation (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Receiving numerous calls from United Revenue. Phone XXXX. Do n't know who this is and why they are calling me as I 'm on the Do Not Call Registry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04/18/2017 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Deposits and withdrawals

Complaint: I deposited a check at my Bank  's ( Regions Bank ) ATM  on the  XXXX  of  XXXX . This check was an insurance check that was issued to me  by my Insurance co mpany -  XXXX . The check has my vehicle finance company on as lien holder which requires their endorsement. This was the  first  XXXX  party ch eck I have ever received and I had deposited without the lien holder. I reached out to my Insurance company  XXXX  to see if they can cancel the check and re-issue a n ew one tha  t  I can get proper endorsement from my lien holder.  XXXX  informed me that Regions has taken the funds from their account and currently possess the funds, as such, They can not cancel the initial check and re-issue another  one. My B ank sent me a letter advising that they will make my funds available after    XXXX   days on th e  XXXX  of  XXXX . This was extremely disappointing and I cou ld n't imagine why  my bank would hold my funds for more than   XXXX    days. Today is  XXXX   XXXX  (    XXXX   XXXX   days aft er my deposit ) and I still have not received my funds from Regions. Regions Bank have treated me and my family like  XXXX , they could care less what financial or emotional impact their terrible treatments have on their clients. At this point I feel completely powerless and I am hoping that the CFPB can help to get my funds from Regions immediately.

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 04-01-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: 1. Complaint XXXX submitted 2. I have attempted to call the single point of contact and that individuals manager every day for the past week. There have been no return calls or messages left for me. 
3. On XXXX XXXX I left a long detailed voice mail for the manager of my single point of contact informing them of the following : A ) The sale of the house appears to be moving forward, however, the buyer is forcing us to close by XXXX XXXX and we are going to do everything we can to meet that time frame. 
B ). Buyer completed their house inspection and that revealed an inoperable condition with respect to damage under the house. We are attempting to work through that issue. 
C ). We will ask for a payoff letter. 
D ). I asked for the courtesy of a return call so I could discuss the issue and understand options. 
4. Instead of talking with me, ditech took that information, sent it to an attorney and had them send a notice that they would foreclose. This is unconscionable and if this notice is discovered by the buyer the sale could be off. This is after making offers to continue a payment plan and making an offer last month to purchase the note - ALL OF WHICH HAVE BEEN IGNORED. No phone calls. 
5. One of the primary Borrower 's, XXXX XXXX XXXX, died on in the past two weeks. The other has scheduled XXXX within a month. We have proactively worked with ditech throughout the process to get the loan repaid with a goal that the borrowers would at least have a small amount of money for medical expenses and to live on. The remaining Borrower, XXXX XXXX, is faced with those costs and a reduced income as her survivor social security benefits result in reduced income. 
6. And ditech believes that this is the right time to send the foreclosure notice?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Account opening, closing, or management

Complaint: We opened a free business checking account with PNC. The purpose of this account was to collect publishing residuals. We chose a free business checking account as we knew at first there would be very little money coming into the account. In XXXX 2014, PNC started charging us {$14.00} a month for this account. We neither knew about nor agreed to these terms. While gathering our paperwork for our accountant, we found that this account had only {$28.00} in it since PNC had taken out a total of {$110.00} without our consent.

Company response to consumer: Closed with monetary relief