milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with RoundPoint Mortgage Servicing Corporation (CA).
Issue: Loan modification,collection,foreclosure

Complaint: RoundPoint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX CA XXXX Short Sale Package was submitted to RoundPoint on XXXX/XXXX/XXXX. The offer price is $ XXXX. 

Finally on XXXX/XXXX/XXXX we were told that they were looking for a net of $ XXXX. The rep we spoke with sent a message to their negotiator, XXXX XXXX, to call us back by the end of the day to discuss. We were assured we would get a call by the end of the day. No one called us. In addition, the rep we spoke with did n't even know what XXXX was. 

On XXXX/XXXX/XXXX we sent an email to XXXX XXXX requesting a call back. No one called back or even responded to the email. 

On XXXX/XXXX/XXXX we called RoundPoint again. We were told that they had " approved the short sale with a net proceeds of XXXX ''. However, they are refusing to provide anything to support the net proceeds, nor will anyone in their company discuss this with us in any way whatsoever. 

1. RoundPoint is outright refusing to return any phone call whatsoever to the Authorized Third Party. 

2. RoundPoint is committing valuation fraud by overvaluing the property and not allowing a value dispute. 

3. RoundPoint is violating the ECOA guidelines by not providing a copy of the Appraisal/XXXX as requested. 


4. I 'm pretty sure they are also violating their servicing guidelines and Defrauding their Investor, considering that no one in the company knows what XXXX is, and they are committing valuation fraud, and everyone in the company is refusing to call us back or speak to us on this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I was recently in the market for apartments. i scheduled a showing with a local real estate agent for a local home that was for rent. the agent stated that i would need to fill out a form prior to the showing. i asked the agent if this information would be used to pull my credit report. the agent " XXXX XXXX '' assured me that the information would not be used to pull my credit or affect my credit in anyway and that the form was purely for internal agency metrics. under this guise i filled out the form. in the last week i have been trying to obtain a vehicle loan because my current car was totaled in a accident and i am currently without a car. various banks and loan companies are unable to offer me a reasonable interest rate for a vehicle loan due to the unauthorized " hard inquiry '' placed on my credit report by XXXX XXXX. the way the inquiry is coded on my report makes it appear as if i was seeking credit to any prospective lenders. this inquiry was unauthorized by me and XXXX XXXX had no " permissible purpose '' to place a hard inquiry on my report. I have attempted to dispute this inquiry with XXXX XXXX to no avail via e-mail social media and US Certified Mail. additionally i have opened a dispute with TransUnion and they replied that the real estate agency had " Permissible Purpose '' to pull my report despite me never consenting to any kind of credit pull let alone authorizing a " hard inquiry '' on my file. this fraudulent inquiry is affecting my ability to obtain reasonable financing. I have been harmed as a consumer as a result of this and the agent and TransUnion are in violation of the FCRA. the CFPBs assistance is requested in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed this account multiple times with all the bureaus and XXXX its self. I have not received any kind of response concerning this account. The account is reporting as a collection with a balance that is not correct. This account was paid by another cellular company when I switched out contracts.

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 10/13/2017 about Debt collection (Private student loan debt) with AES/PHEAA (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX XXXX, I received noticed that I was being sued by XXXX XXXX XXXX XXXX XXXX for a debt not paid from American Education Services for about {$6000.00}. I went to court with my lawyer since the original loan document was not signed by me. The original loan document had my " signature '' but someone falsely signed my name. We went to court in XXXX XXXX and the judge deferred in my favor because the signature was not mine. 

XXXX XXXX XXXX XXXX XXXX was supposed to remove this negative information from my credit report. I assumed that they did. 

In XXXX XXXX, I contacted a mortgage company to get pre-approved for a home. I was told that there were accounts that were reporting delinquency on my credit report. The accounts were through a company called " XXXX XXXX XXXX '' I had never received notification from XXXX that they were collecting a debt. I called XXXX and they explained that they received the account from XXXX XXXX XXXX XXXX XXXX and were attempting to collect a debt. I explained to XXXX that I have a judgment in my favor regarding the student loan and that they do not belong to me. It took multiple calls from me to XXXX to be able to speak to a live person. They called me back and indicated that all of the accounts would be wiped from my credit report. 

A few months later I noticed that they were still listed on my credit reports. I tried calling several times and never was able to speak to a live person OR get a phone call back. 

I submitted a complaint with AES ( since they were the originator of the loan ) and sent them my court documents and they replied asking for the court documents ( even though they were already sent ) and nothing was ever done. 

I believe XXXX XXXX is a scam in that they were trying to collect a debt that I did not owe. They do not have a working telephone number on their website. They are almost impossible to get in contact with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Please know after successfully completing a 60 month, 5 year pay plan for my XXXX XXXX XXXX. My case was officially recorded and discharged on XX/XX/2017. 

XXXX XXXX XXXX / XXXX XXXX was a creditor in my case as was paid a claim of {$11000.00} as part of the bankruptcy settlement. This information was confirmed by the courts stamped and recorded proof of claim ( POC ), and the courts Interim Final Report ( IFR ). 

I can not get XXXX  XXXX to do a proper and accurate accounting of the {$11000.00} paid to them per the BK court documents. 

They say the have not been paid. However, the court documents say they have been paid as proof in the Trustees Final Report. 

Thank you.

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 04-04-2017 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Problems caused by my funds being low

Complaint: I have had several bank accounts with XXXX XXXX XXXX and Suntrust Bank, I am on XXXX so things are tight for me and I get overdrafts sometimes. I get my check once a month, they would sometimes not pay something or let go through just to apply XXXX or XXXX overdraft charges, you get a overdraft charge of XXXX, a nsf fee of XXXX and an extended overdraft charge fee once a week for as long as overdrafted. The accounts become overdrafted and you ca n't pay back so they close the account, and show overdrafted your checking and your savings, they have yet to explain to me how you overdraft a savings account. The savings account is to help keep from overdrafts if you have money in it. Once the account is closed the negativity is showing in both savings and checking and when go to pay it they make you pay the savings and checking so you pay twice for the overdraft fees and whatever is paid through the checking account. The savings account should not go into negative as there is nothing taken out of it. I do n't think it is right to have to pay XXXX accounts when only the checking account has over drafts and payments coming out of it.

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 12/29/2015 about Other financial service (Debt settlement) with Nationwide Biweekly Administration, Inc. (MN).
Issue: Excessive fees

Complaint: I signed up with Nationwide Biweekly Administration ( a service based in XXXX OH to make biweekly payments to my mortgage company on my behalf ) in XX/XX/XXXX and was charged an {$800.00} initial fee with the promise that over the life of their service to me, I would end up saving more than that amount of money in saved interest. Just 5 months later, NBA notified me that they could no longer deliver the agreed upon service of making biweekly mortgage payments on my behalf due to the loss of their banking relationships. 

NBA 's marketing when I joined said I was guaranteed to save money, and even now their web site claims " Our money back savings guarantee ensures that if you do n't earn your fee back in additional equity and interest savings, you can keep the equity that has been earned and we will refund you all of your money. '' I have contacted the company to demand a refund of my {$800.00} fee since they clearly can not complete the services they promised to deliver.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I signed up for a Bank of America checking account and was supposed to be given a {$100.00} bonus if I met the requirements. I verified with multiple customer service people that I met the requirements and have been told each time to give more time for the bonus to post, it has been past the time when they said it would post.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I opened a  XXXX  's credit card with the persuasion from a sales clerk to receive a discount on my items for purchase with the intent of closing the account after. I do n't ever recall receiving a paper statement but did receive an email showing the balance due. I did make full payment of the amount due on the account but it was electronically received 2 days late. In addition, the account was noted as closed. Subsequent to the account being paid in full I have receive d 2 late charges  of {$27.00} each. The first was {$27.00} for being 2 days late, and the second late charge of {$27.00} was for being late on the first late fee.     I called Comenity Bank today, and they claimed they could not eliminate the late charges since the account was closed. This is ridiculous and I feel they are taking advantage of me and putting me in a credit risky situation. It is not right that they will continue to keep charging me late fees due to late fees when the account is closed, and they have receive full payment of my purchases.     Help!

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (PA).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, 2016 I set up to have my tax bill paid through PNC Bank 's website. It was scheduled for XXXX XXXX, 2016 in the amount of {$3400.00} During the week of XXXX XXXX, I received an e-mail from PNC Bank saying a payment of {$34000.00} was going to go to XXXX XXXX XXXX. I contacted PNC, was told they would waive the {$33.00} fee to stop the payment ( which I NEVER authorized! ) for the {$34000.00}. They stopped the {$3400.00} payment that was suppose to arrive at the tax office on XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Student loan (Private student loan) with SUNTRUST BANKS, INC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: When I obtanied this loan in XXXX XXXX 2007 from Suntrust I was attending XXXX XXXX XXXX. The loan was a joint loan with myself and XXXX XXXX. The loan was suppose to have been put into forebarance and then a defferment due to me still attending school. I have other student loans that are in defferment due to me being in school as well. When I contacted Suntrust about the loan being in defferment they told me that it was.This loan has been reporting very negativley on all three credit reports and I would like the information to be removed. On my credit report it is reporting that I was late and I was not due the fact that the loan itself was suppose to be put into defferment.

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 11-01-2017 about Vehicle loan or lease (Loan) with CONSUMER PORTFOLIO SERVICES, INC. (MN).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: Hi, so I currently have an auto loan through Consumer Portfolio Services , Inc. And my concern and complaint it that they claim they are this ... " Consumer Portfolio Services , Inc. ( XXXX ) is a specialty finance company that provides indirect automobile financing to vehicle purchasers with past credit problems, low incomes or limited credit histories ''. But all of my billing statements they mail me, boldly state they are a debt collector and are collecting a debt. And also when calling me, me calling them, or them leaving messages ... they again, state they are a debt collector. My auto loan is not a collection, nor a debt that they are hired to collect on, so it really makes upset that I am being treated as such. I really do n't feel like this is legal and it does n't make for good practice of their company. Another thing, any time that I have ever been late on my payment ( which I 've never been more than a month behind ), they will call me over and over and over, and they will also call every single one of my 10 family members I listed as reference when I purchased my car, and was asked by the salesman for these names and numbers, and they are truly harassing me and my family by doing this. I 've asked them on several ocassions to STOP and they have continued to do it. And one last thing ... I 've made over {$7000.00} in payments to them since I got a loan through them in 2015 and only around {$320.00} has been made towards the principal of my auto loan. That is OUTRAGES!! My auto loan is the same amount due as what it was in 2015. I know this company has been sued in the past and they have a lot of complaints on them. I really wish I would 've known more about this company before buying my car.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: i paid my lease in full and XXXX XXXX is reporting a voluntary repossession on my credit. this has damaged my credit score.

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 06-02-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (IL).
Issue: Unexpected or other fees

Complaint: I have had my account for with this bank for more than four years, and I have made 100 's of money transfers. This time the account would n't allow me to make the transfer without changing the date to reflect the next day, even though it was at  XXXX  on the first. I was to make the date the second, which was correct. When I did the bank then charged me two overdraft fees. When I spoke with a bank official I was first told that I did n't make the transfer until   XXXX   XXXX  , and when I told the bank official that I could prove that was n't the case, she then changed her story to the cut off time is   XXXX   XXXX  . When I told her that the years of my account would show that has never been the case, and that no correspondence that the bank provides has ever stated the cut off time as   XXXX   XXXX   XXXX   <P/>
She then told me that the bank would only allow her to return one of the overdraft fees and that she would n't be able to return the other. When I asked why is it only one of the fees can be returned and not the other she stated she was n't able to tell me that. I told her that this to me appears to have been done intentionally. I further explained that if the cut off time was   XXXX   XXXX    why is it  that my direct deposits do n't show up until after   XXXX  , she claimed that was when the bank received the money, which I know is not true. When I reminded her that she could look at the history of my account and it would be able to tell her that 's not true, she said that had no bearing.
<P/>
I would like my overdraft fee of   XXXX    dollars returned to my account as this was n't my fault, and was done intentionally. I would also like my deposits to reflect when they arrive at the bank not when the bank wants to give it to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: ENHANCED RECOVERY COMPANY CLAIMS I OWE AN AMOUNT OF {$200.00} FOR A XXXX CELL PHONE THAT I NEVER HAD. IT WAS PUT ON MY CREDIT REPORT AND THIS IS THE FIRST TIME I AM HEARING OR EVEN KNOWING ABOUT THIS MATTER.

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 03/29/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a Mortgage Loan with Wells Fargo and I have a Case number : XXXX Today XX/XX/XXXX I call XXXX XXXX XXXX ext XXXX to discuss the the status the case. 
He hi said that WFHM have not doing any illegal activity. 
I said to him that I have a Letter from WFHM posted XX/XX/XXXX, said that they recevied my Documents and they will have and anwer by XX/XX/XXXX for my Appeal. 
On XX/XX/XXXX WFHM send my Loan to Foreclose. 
I told him that in California under the Bill of Home Owners Right the Bank have to wait 30 days before they can send the case to Foreclose and WFHM did not wait only 17 days. 
He told me that WFHM does not need to wait 30 Days to send the case to Foreclose. 
Right now WFHM is doing a Loan Modification in my case when at the same time they have a Foreclose ACITVE in my file. 
I did explain that Dual Tracking is Illegal in California as well. 
Wells Fargo should respect the law and do not operate above the law. 
Thank you.

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 09-02-2016 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/2016 I initiated a chargeback against my debit card for a transaction authorized on XXXX/XXXX/2016 and settled on XXXX/XXXX/2016 for the amount of {$170.00}. After I called the bank, the bank placed a hold on my debit card but never issued a credit to my account for the unauthorized charge. I called my bank today XXXX and they mentioned they never initiated a chargeback for this transaction. I want my money returned to me ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NE).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I signed up for  the Barclay 's m astercard gold card and was told that I would receive a 0 % interest rate and that the annual fee would be waived for the duration of my military service. I recently received a notice stating that I would now be charged the annual fee.

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 04-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted investigation request to look into wrongly reported Student loans on my credit profiles with XXXX, Transunion, and XXXX. I discovered the error on my personal credit during the application process for employment. Multiple agencies had declined to hire because of credit score and the amount of student loans listed multiple times as defaulted. I reached out to each credit reporting agency and asked for documentation and to investigate in order to clear up the misunderstanding. 

My student loans are all with XXXX and are under deferment and are not in default. During the investigation process, XXXX account XXXX was removed from all credit agencies once the error from the investigation was found, along an apology letter from the servicing agency handling half of my student loans. 

During my request for verification and to validate the information being furnished on my credit, the only thing that occurred was all accounts where updated with " Closed '' since they did not hold nor were servicing my student loans going back almost 10 years, XXXX account # XXXX was not helpful in providing the documents requested nor provided the verification as its still being reported incorrectly under the circumstances in which loans were to be in deferment. I 've made three request total and asked for verification and to request written proof of their finding but was never furnished with any 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