milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Account opening, closing, or management

Complaint: I opened a cheque account at Bank of America while visiting XXXX in 2013.
Now Bank of America will not send me the balance. I have made XXXX International calls and numerous emails with endless promises made but still no money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 just received notice that my existing CFPB Complaint # XXXX is closed and XXXX XXXX XXXX has still continued to report erroneous ratings to Experian for my mortgage account. They acknowledged the reporting was not correct and that corrections were made, but this is not the case. Please assist in having them comply, they have violated by rights under Bankruptcy already and I do n't feel they are completing the tasks that they promised on.

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 12/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Herbert P. Sears Co., Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I started receiving bills sometime in XXXX or XXXX from XXXX XXXX from out of no where. I know I do n't owe them anything because I just paid off my XXXX contract and I had n't gone to see the XXXX in over a year and every time I went in to see them I had to sign a contract for services and pay before they started any sort of treatment on me. I had a XXXX balance on my account. I contacted the office talked to XXXX who was going to look into it for me because she showed a XXXX balance on my account on XXXX and on XXXX. Did n't hear anything back. I still kept receiving bills. I contacted the office left messages for the manager to call me back, never received any calls. I called the XXXX number left messages to send me a detailed explanation of what I was being billed for, date of service, copy of contract I signed on this date of service, and what my insurance paid for. I just kept receiving invoices requesting money and they added on late fees. I sent the company a letter requesting everything I asked for on my voice message and instead was sent to collection. At this point I 'm really upset and I do n't know what to do. I 'm still receiving bills for the late fees from XXXX but they already sent the bill with the late fees included to collection?? Is this even legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Same man calls up to 8 times per day making threats about collecting a judgement

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Auto) with WELLS FARGO & COMPANY (MN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: continuously calling relatives and harassing them about an old car that I owe that have already been paid off.

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 07/19/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (GA).
Issue: Unauthorized transactions/trans. issues

Complaint: I accidentally transposed XXXX numbers on my direct deposit form with my company, the routing number was correct but XXXX numbers on my account had been transposed. My card service, serve by American express is refusing to return my direct deposit funds to me. Can anyone help me? I 've talked to them and they 've claimed there 's nothing they can do, they spoke with my payroll as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/18/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Please see attached for additional documents re : previously deleted and reinserted judgment on my credit file. The item was previously disputed, investigated and deleted. Equifax chose to reinsert the judgement at their discretion and subsequently ruining my credit score. I sent a document on a letterhead from the creditor asking that this judgment not be reported as the left the judgment in efforts to pursue other party on account and not me. I have verbalized this to every employee that has answered the phone in consumer division at Equifax in XXXX. I have sent faxes and disputed relentlessly to get this judgment off my credit. They have now blocked me from monitoring my credit to determine if other errors exist and identity protection. Additionally, they have reinserted late payments that were removed by the credit grantor ( XXXX XXXX XXXX ) last year. The credit grantor is not reporting late payments on my lease that started on XX/XX/XXXX. There is no issue with XX/XX/XXXX lease and it is not being disputed. I want to be clear about which lease as Equifax has deleted other accounts with pristine credit history and subsequently lowered my car buying FICO by almost XXXX points. I have financed and paid off XXXX other vehicles in the past 7 years. I only have XXXX paid car reporting with this CRA as Equifax at their discretion deleted the other XXXX paid in full accounts. They have further gone and deleted years of pristine credit card payment history in the last 30 days as retaliation to complaints filed Maryland OAG, XXXX, and other regulatory bodies of the government.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Student loan (Non-federal student loan) with National Education Servicing, LLC (MA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am a XXXX currently in my last year of XXXX. I have student loans with XXXX companies, FedLoan ( ~ $ XXXXcurrently in forbearance ) and National Education . I have been able to defer/forebear my loans during my training, as a XXXX is not sufficient to make payments while supporting my wife and child. They have requested several forms over the past two months, of which i have sent to them and they have continued to reject. My loans are in delinquency currently and they have been unwilling to budge on their stance. I have explained to them that I will only need to defer payments until after XXXX of 2016 at which time I will be employed as an XXXX and my income will be substantial enough to pay off the entire {$25000.00} balance with XXXX XXXX within a few months. They have requested on separate occasions, and subsequently rejected, a copy of my fellowship contract, a letter from my program director, as well as a letter from XXXX stating the status of my Federal loans. During the period of obtaining these documents, and them being rejected, they have begun charging late fees. It seems that their strategy MAY be to make it as difficult as possible to defer loan payments so they can bill a late fee and continue to reject documents they specificaly request in order to force a payment. I am not trying to skirt payments on my loans. I just need to feed my family until XX/XX/XXXX on my XXXX. after which I will certainly be finacially secure enough to pay off the loan in a very short time. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had XXXX XXXX through an agency XXXX XXXX in XXXX, Maryland. I cancelled the policy and switched to another carrier. Because if the timing XXXX OWED ME a balance and has since paid me for the extraneous funds in my account. I now have XXXX. XXXX XXXX constantly sends letters after Ive called and told them i dont owe anything to XXXX. I contacted the insurance agency spoke with XXXX XXXX and XXXX XXXX And XXXX XXXX yet im still recieving threats to put a balanc eof XXXX and XXXX onto my credit reports. i dont owe anything.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Mortgage (Conventional home mortgage) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Closing on a mortgage

Complaint: FNB  and  XXXX   XXXX   XXXX  attempt to well test in  XXXX   2017  with previous buyer, same company and could not because of a leak in the pump. Same issue with me second attempt and still not fixed. Tried to make me pay for it to be fixed in order to test. Dragged it  out two weeks, Finally fixed and tested third attempt same company two weeks before closing.   XXXX   XXXX   presence, suspect a covered up issue. Would not pass HUD  with previous buyer?   XXXX  Also I obtained pre-approval with FNB and they inflated closing cost because it was there foreclosure which I did not know until later - Conflict of interest.   XXXX   XXXX / XXXX / 2017  Bid Acceptance  XXXX / XXXX / 2017  Check UNCATEGORIZED  XXXX  ( {$1000.00} ) Good Faith  XXXX / XXXX / 2017  Check UNCATEGORIZED  XXXX  ( {$200.00} ) Inspection Water  XXXX / XXXX / 2017  Check UNCATEGORIZED  XXXX  ( {$450.00}  XXXX   XXXX   XXXX   XXXX / XXXX / 2017   XXXX    XXXX   XXXX   {$360.00}  XXXX / XXXX / 2017  Make decision on test results - no time to bleach and retest.   XXXX   XXXX / XXXX / 2017  -  Close Date

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Debt collection (Medical) with Grant & Weber (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have requested proof of the debt they claim that originated in 2012 in from a medical visit at XXXX XXXX XXXX. I have advised them I had insurance via XXXX XXXX in which I would have never visited a medical group outside the XXXX XXXX during that period. I would like proof of the medical debt reflecting my signature authorizing services faxed to XXXX in which I have requested several times.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Student loan (Private student loan) with SLM CORPORATION (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I have been working with Sallie Mae on my current student loans and from XXXX of 2017 to current. They have received information from public records and have been harassing my ex-family members. They have not been authorized to use this information and it was not given to them by me or the co-signers on my loan. I believe they are taking private information of people I may know and using it without their knowledge. Sallie Mae is already under a class action lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Mortgage (Conventional fixed mortgage) with IMPAC MORTGAGE HOLDINGS, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have requested multiple time that my mortgage servicer create an escrow account for me. I have provided all of the information they need both by email and by fax. Every time I call, I have to hold for a minimum of XXXX minutes and more typically XXXX minutes before I ever speak to a human. Then, when a human does finally answer, I often get mysteriously disconnected despite calling from a landline that I NEVER have issues with otherwise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I had a checking account with Wells Fargo in their XXXX XXXX XXXX XXXX. The account was in good standing with no fees or dues over the last XXXX + years. Imagine my shock when I logged in to my account online to suddenly find that the account was closed. No reason was stated at all. I called their customer service and spent more than 30 minutes being tossed around between 3 different people, all of whom were clueless and unhelpful. Finally, I was told that the account was apparently closed because of a seeming lack of customer initiated transactions. They were unwilling to put this in writing anywhere. So, I don't think this is the actual reason. I have at least XXXX or more transactions every month including an automatic credit and an automatic payment. If they are not initiated by me ; who else did? Also, this requirement about ; customer initiated transactions ' was totally new to me. I was never told about this when I opened the account or subsequently ever. 

I am completely and utterly dissatisfied with Wells Fargo 's response. Basically, they are now saying that they have the right to close the account at any time for any reason or for no reason even. Well, I don't agree with this fundamentally. But also, this was not something that they told me at the time of opening the account or at any time since. I explicitly asked their representative at the time of opening the account if there were any conditions and this was definitely not mentioned at that time. If this was told to me then, I would not have opened the account with them at all. Also, the bank 's definition of what they call 'customer-initiated ' transactions is completely nonsense. They claim that any automatic transactions, whether debits or credits, initiated by me are not customer-initiated. Under whose definition. If I did not initiate these transactions, who did? Does CFPB agree with this definition? Is it legal? Under what law? Also, because of Well 's Fargo 's actions in closing the account suddenly, my automatic credit went missing and I received that only after 2 weeks delay causing me inconvenience and loss of funds. I want Wells Fargo to compensate me for that. If I had made a late payment to Wells fargo, they would have charged me outrageous rates of penalty and interest and fees. Well, now they need to compensate for delays caused due to their unjustified actions. Also, Wells ' Fargo 's representatives are thoroughly lacking in any norms of customer service or even basic understanding. I have had to spend many hours over email and phone with absolutely no use. I want Wells Fargo to issue a formal apology and compensate me of the hardship caused. I do not treat this issue as closed and want CFB to take stringent action against Wells Fargo

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 01/29/2016 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Something is not correct Fifth Third Bank has not computed the numbers right, in 2015 i have made all 12 Mortgage payments of {$1000.00} Plus and with each payment {$570.00} x XXXX is {$6800.00}, which the XXXX x {$570.00} going into my escrow account, fifth third is playing very hard with me and telling all you get is {$14.00} i previous had a balance left over in my escrow account of about {$1400.00} this total is was to suppose to be {$8300.00} after all payments are paid out for Disbursement, The items to be paid is my home insurance which is {$650.00}, Taxes {$4200.00}, PMI {$410.00}, and 2 months of Cushion of {$810.00}, i asked fifth third bank where is the balance of the funds in my escrow after all item have been paid and the balance should be {$2200.00} as an overage, Fifth Third Told me that i do n't have any overage in this amount only {$14.00} plus, Something is not right, can you please help me to figure out what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Eagle Home Mortgage, LLC (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Hi, As part of the purchase process with my new construction home - the builder XXXX require you to have a credit check with their lender, Eagle Home Mortgage in XX/XX/XXXX. 

The house is still under construction and is not scheduled to be complete until XX/XX/XXXX. I have not decided which lender I am expecting to use and was planning on shopping for rates at a date closer to closing. 

This morning at XXXX I received an email from XXXX XXXX a Loan officer at XXXX XXXX. 

" XXXX XXXX, Your credit report is expired and invalid. Credit reports are good for 120 days. This is notification that our Processing Department is updating your credit report for your XX/XX/XXXX closing with XXXX. 

XXXX XXXX Senior Loan Officer NMLS # XXXX '' I responded at XXXX as below. 

" XXXX please do not pull my credit report. 

I do not give you permission at this point. 

Thanks, XXXX XXXX '' I then received this response " Greetings, I called immediately to halt this action but the report had already been pulled by processing. Your credit scores are still very good and this will have no negative affect on your loan approval here or at any other lender. My apologies this was not run by you first. 

XXXX XXXX Senior Loan Officer NMLS # XXXX '' I did not give this Lender permission to pull my credit report and I am extremely upset with the assumption that they assumed they could pull this. 

This is the reason I am filing this complaint. 

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 02-02-2018 about Student loan (Private student loan) with GREAT LAKES (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Hello, I have private student loans with XXXX XXXX XXXX managed by Great Lakes. On XX/XX/2018 I logged into my account with Great Lakes to check on the status of my student loans. When I clicked on account details and scrolled to the bottom where it states " Loans in this Account '', I noticed that my interest rates on the student loans had risen. I was never notified that my student loan interest rates had risen. I even checked my message center with Great Lakes to see if notification was sent, and there was no information letting me know my rates had risen. Before I go further let me go back into my history with Great Lakes to better understand the situation at hand. 
I filed a complaint with CFPB about a year ago against Great Lakes because I noticed that on their website my interest rates had risen and was curious as to why. After talking with several employees in management at Great Lakes I found out that my student loans were variable. My only problem with this information was that the Great Lakes website shared no knowledge to their borrowers that their student loans were fixed or variable. Since I filled this complaint with CFPB you will know see that Great lakes have simply add the word " variable '' next to the rate under " Loans in this Account ''. 
Getting back to my point on the matter at hand. Great Lakes does not supply information or alerts to their borrowers when the interest rates on the borrowers student loans have risen. The only way to find out would be to login, and discover that your payments for several months have been going further to interest. This information is vital and should be shared with borrowers so that they can make the decision to refinance to lower rates if need be. By Great Lakes not telling it's borrowers about rates rising on student loans, they are defrauding borrowers accounts and reaping the rewards. 
Student loan information should be easy accessible and not hidden. My request is to have Great Lakes send alerts by email, message center, or postage mail to borrowers when it's interest rates have risen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (I do not know) with New Era Asset Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call from New Era Asset Management asking if I knew XXXX XXXX. I asked how they got my number as I am not XXXX XXXX but am related to a XXXX XXXX. I Asked why they were calling me and they asked me to pass on a message. I said no ( not so politely ) and they hung up. I called back and spoke to the same person XXXX XXXX XXXX XXXX that had just called ( this time politely ) and asked them never to call back, and he hung up on me. I am afraid they will continue to call me XXXX XXXX XXXX XXXX on my work phone to try and collect a debt that has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Mortgage (Conventional fixed mortgage) with ALLIANCE FINANCIAL RESOURCES (CA).
Issue: Application, originator, mortgage broker

Complaint: My husband and I started the process of purchasing a new home in XXXX XXXX. We reside in XXXX and the new home is in XXXX. Our intent was to close by the end of XXXX to claim on our taxes for XXXX. Our loan officer made all these promises that he failed to come through on. The interest rate we were quoted and agreed upon rose considerably. He failed to contact us prior to the rise in interest rate. We were lead to believe that we were locked into the interest rate we were told. He said that he didnt lock it prior to the increase because " that could of cost us money ''. We went above and beyond to supply him with everything he requested. We paid extra for paperwork to be expidited, for appraisals to be expidited, we missed work causing loss of income. All this and we didnt close escrow until XXXX XXXX, XXXX. His lack of care, was evident during phone conversations between myself and our loan officer and my husband and our loan officer. His lack of concern for us has cost us plenty of money. We are not able to claim the cost of this purchase on our XXXX taxes. Our mortgage payment is considerably higher. We are trying to help ourselves when we retire. Our realtor is refusing to ever use this company again. He did not even apologize for his actions. He told me in a phone conversation that he just wanted it to be over with. Who says that to their client who has put their trust in them and is paying them their hard earned money? He needs to be held accountable for his actions. Nothing can be done about the late closing date but he needs to honor our original interest rate, even if it costs him. Our realtor has told us there is something he could of done for us to make this right. He has chosen not to. Thank You.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation