milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2015 about Mortgage (Conventional fixed mortgage) with CORNERSTONE MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Regarding : Cornerstone Home Lending XXXX XXXX XXXX, NJ XXXXWebsite : XXXX Account Overcharge : Cornerstone Home Lending is the servicer of my home loan. I made my XXXX payment on my new construction home in XX/XX/2014. My local bank sold my loan to Cornerstone soon after I closed on my loan. In XXXX, The XXXX County, TX Appraisal district Chief Appraiser came to my home, measured it and gave me an estimated tax amount. In XXXX of XX/XX/2014, Cornerstone paid my taxes of {$2400.00}. Since I had been paying an " estimated '' amount of {$500.00} / month since my XXXX payment, Cornerstone sent me a check for the overage in my escrow account of {$2400.00}. They still kept 2 months worth of escrow for a " cushion '' which I know is acceptable by law. But, Cornerstone DID NOT ADJUST the taxes part of my escrow. Cornerstone claims to have done an " Analysis '', but that is not true. Cornerstone never contacted anyone at the tax office. I have been calling and requesting this to be corrected since XXXX XX/XX/2014. I have been in person to the Tax Appraisal District in XXXX XXXX, TX and verified my total land/property taxes. I have sent the documents from the tax office, with tax office phone numbers and contact info. to prove to Cornerstone they are in error. I have faxed these documents approx XXXX times. I only received an email recently after all this that said, " the tax documents you sent were for land only, and when my house is added the taxes will go up ''. This is foolishness. The value of the home is clearly shown on the document, along with the homestead exemption value. I have requested that Cornerstone correct my escrow payment amount and refund my current overage Immediately.My taxes and Hazard Insurance = {$2400.00} + XXXX = {$3500.00} /12 mos = $ XXXX month. I am paying {$500.00} /month for no apparent reason. Can you please help? 
thanks, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Consumer Loan (Vehicle loan) with Consumer Financial Services (IL).
Issue: Managing the loan or lease

Complaint: All my privite information was given to someone who just walked in and they provide my name. The person was given information on my loan. The person was not authrized nor did any letter from me that authorize them to be given this inforamtion. 
My rights as a consumer was viloated. 
Under XXXX. This title may be cited as the " Right to Financial Privacy Act of 1978 ''. 
5 ) " customer '' means any person or authorized representative of that person who utilized or is utilizing any service of a financial institution, or for whom a financial institution is acting or has acted as a fiduciary, in relation to an account mantained in the person 's name ;

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Deposits and withdrawals

Complaint: My PayPal debit card was skimmed or hacked when I used a XXXX ATM on XX/XX/2016 and on XX/XX/2016 XXXX transactions were made a minute apart withdrawing {$300.00} and {$100.00} from my PayPal account. I discovered the fraud on XX/XX/2016 informing PayPal immediately. I filed a claim with PayPal and file a police report. PayPal has subsequently denied the claim stating that my PIN number was used in the XXXX transactions and citing other irrelevant information stating that because I checked my balance prior to the reported fraud and that because I had used that ATM one time before that they would be denying the claim. They did n't even wait to obtain the police report or try to contact XXXX to see if there were other similar claims at that location. I called XXXX to report the claim and they refused to accept the claim because they said I did n't have an account with them. They suggested I file a claim with XXXX which is the bank listed on the back of my PayPal debit card. I called The XXXX and they refused to file a claim and said they would side with PayPal anyway. I just do n't know what else to do?

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/25/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: wells fargo bank merchant services opened a account on XX/XX/2014 since then the have been taking XXXX a month from my account automatic for the fees we called them on XX/XX/2014 to let them know we wanted to cancel not open the account. We also send a letter stating the same copy in file the he have being trying to resolve this from day XXXX wells fargo has done nothing but keep charging the XXXX monthly fee and almost always charging a XXXX dollar fee also this action from wells fargo is also affecting other transactions also causing a fee of almost XXXX for each item average of XXXX a month Wells fargo has done nothing but to charge the monthly payment and fees looking to get this resolved asap thanks for your help.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: TransUnion should be taking steps to help alleviate this issue with XXXX fiasco. They deliberately tried to take advantage of this situation by making it harder to freeze everyones ' credit by selling their own services. This is highly immoral.

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 07-11-2015 about Prepaid card (General purpose card) with Atlanticus Services Corporation (TN).
Issue: Fees

Complaint: They add fees to this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11-11-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: Hi. 
Month ago I opened Bank of America cash reward credit card. I got card and start to use it. 
I made purchases at gas station, grocery stores and online. Already get cash reward ( {$110.00} ) in my account. By end of billing cycle I got XXXX and paid in full total balance in the local branch by next day. Next day I got letter from Bank of America stated that my account has been closed without any explanations.When I called to a toll free number listed in the letter, automated message said, that my account closed for business reason, no any explanation will be given. 
What about my cash reward. Can I will get my reward in this case?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XX/XX/XXXX my wife & I opened a checking account at Bank of America. At that time we told the rep that we did not want our middle names or initials to appear on checks, debit cards, statements or any other document. Our middle name did not appear on our checks however, that is as far as B of A went in honoring our request. The debit cards showed our full middle names. I called B of A to inform them of the error. New cards were sent without the middle name or initial however, B of A charged us {$5.00} per card for making the change. They later reversed the charges after I called them. Statements and checks sent by B of A when we use bill pay continue to show our full middle names. Numerous telephone calls to the branch and customer service have been made to resolve this ongoing bank error without success. Today, XX/XX/XXXX, I went into the branch and met with XXXX XXXX, Assistant Vice-President, Relationship Manager. Since my wife is ill ( she suffered a XXXX ) I presented a lawfully executed and notarized General Power of Attorney. XXXX XXXX called her legal department and faxed them a copy. The response was that Bank of America declined to honor the General POA because it had not been signed by two witnesses. I pointed out to her that Arizona law allows the option of having two witnesses sign the document or having the document notarized. She said it was out of her control or authority as her legal department said to decline it. I also advised her that two other financial institutions had already honored the POA as well as hospitals, doctors, attorneys and a local court. She stated that there was nothing further she could do. The end result is that Bank of America has refused to honor a lawful General Power of Attorney authorizing me to represent and act on behalf of my wife, Bank of America has refused to correct their errors and remove our middle names/initials from the records and Bank of America has refused to add our trust as a beneficiary to the account.

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 08/23/2015 about Consumer Loan (Vehicle loan) with TIDEWATER FINANCE COMPANY, INC. (MI).
Issue: Problems when you are unable to pay

Complaint: I obtained financing from Tidewater Financial thru XXXX XXXX car dealer while in the process of filing for bankruptcy. When I obtained the financing I was told that I could refinance the loan in a year. I paid the monthly payments on time only to find out after a year that Tidewater would not refinance this loan and neither would any other lender due to owing more on the car than what it was worth. Had I known that this was going to be the case I would have never signed the loan documents as {$430.00} a month was more than I could afford on a long term basis. When I contacted Tidewater to see if they would modify the note to an affordable payment I was told no and when I asked if they would accept a short payoff they said no, well they said they would accept a short payoff but not release the lien until the entire balance was paid in full which is the same as saying no. I have no problem paying for this vehicle but can not pay {$430.00} a month and feel that I was mislead by being told that I could refinance the vehicle when they knew that they were lending more than what the vehicle was worth at the onset of the loan. I have paid around {$10000.00} on a vehicle that I can only get {$2500.00} for now ( XXXX years later ). XXXX years ago they provided a loan for {$16000.00} at a 25 % interest rate. How can you provide {$16000.00} on a vehicle that is not worth that amount with an interest rate of 25 % knowing that it will be a struggle for the person paying the loan. Predatory lending at its finest. I feel that I have paid them more than what the vehicle is worth and that this loan should be paid in full since I have paid them {$10000.00} and they are stating that I still owe {$14000.00}. There has to be some sort of resolve to this. I had a dealer that was willing to pay me {$5500.00} for the vehicle but because they would not accept the short payoff I had to pass on that offer. Now I am still stuck with a vehicle that is only worth {$2500.00} and they want me to pay {$14000.00} for it. I need help as to what my options are at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been requesting a transaction detail of the debt that is allegedly owed, however, the XXXX party collection agency can not provide me what I am requesting. I have been contacting them for nearly 9 months, but they always send me a letter stating their records are correct and that the balance is owed. I spoke with them today by phone and was told I can dispute it again, but I have been disputing it over the course of 9 months with the same results.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: Federal student loans for XXXX school serviced by Navient. I have for many years had automatic withdrawal for student loan and never missed payment. I have 2 remaining federal loans with Navient. the first for {$12000.00} and another for {$8900.00} for a total of {$21000.00}, both a fixed rate at 3.625 %. I have for years sent the same payment every month for {$550.00} for both loans. Per their information with continued payments of {$550.00} every month until XX/XX/XXXX I will have paid off the loan. Based on the information they provided me, it will cost me over {$100000.00} over the next 16 years sending in {$550.00} every month to pay off this {$21000.00} balance. I called to clarify this and over the past 2 months failed to get an answer. I was told that once the loan reaches a XXXX balance, no more money will be withdrawn and if I continue to send in current payment with automatic payment and never miss a payment, then my interest rate will stay the same and they claim I should have loan paid off by XX/XX/XXXX. Per my calculations, {$21000.00} balance at fixed rate of 3.625 % with current payments of {$550.00} every month, this loan should be paid off in 40-41 months, which should be 3.4 years from now, which would be XX/XX/XXXX, NOT XX/XX/XXXX. I have been trying to clarify what is going on with my loan and loan payout. Multiple messages via email have been sent with clarification. I sent an email that I was going to lodge a complaint with CFPB and my State Attorney General Office and I promptly received a message from XXXX XXXX at XXXX extension XXXX with Navient. I returned her call and left messages several times but have yet to hear from anyone to clarify my loan payoff question. I hope this office can persuade Navient to clarify a very simple question about the date this loan will be paid off. <P/>Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Transunion has failed to validate the below debt and remove it from my credit report. 
In XXXX an Item with Account XXXX XXXX XXXX XXXX XXXX for XXXX XXXX University was placed on my credit. I immediately disputed the debt with XXXX as well as the credit agencies and It was removed from my credit report. I also contacted XXXX directly and told them I have never attended XXXX XXXX University. They stated that according to their records I was set to attend one class to start my XXXX and never paid. I told them verbally that I never attended XXXX and that I inquired about the degree but never signed any documents. They claimed they would look at it. I also sent them a certified letter requesting all of the documentation for the debt. They first replied back with an envelope and form letter with nothing else in it even though it stated they had attached information. To this, I called and wrote another letter. Then they replied back with an agreement that did not have my address on it with no signatures and initials on the document that looked nothing liked my signature. I wrote another letter and called again. This time I received no response. In XXXX XXXX placed the item back on my credit. 
1. This is not my debt.
2. They have no proof this is my debt 3. They have failed to contact me prior to placing this item on my credit. This is a violation of FCRA Section 809 ( b ).
4. They have failed to notify me per FCRA five days before replacing the item back on my credit.

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 01-03-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: "Diversified Consultants" has contacted me twice to tell me that I owe XXXX XXXX and demands that I pay it.  I do not owe XXXX anything--I have called them and they stated that at no time have I ever been late on a payment and have no outstanding balance with them.  They have also stated that they have never reported me to any debt collector.I informed Diversified Consultants of this and they were rude and hung up on me after threatening further action.I reviewed XXXX online customer support forums and this seems to be a recurring situation with "Diversified Consultants"--they contact XXXX  customers in an attempt to collect imaginary debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2017 about Mortgage (Conventional home mortgage) with EMCC Holdings, LLC (NJ).
Issue: Trouble during payment process

Complaint: I bought a time share with a deed at XXXX XXXX XXXX in XXXX VA, the mortgage is held by a company called Equiant. I make my monthly payments plus an additional principal payment each month. In the past they did n't apply the additional principal payments properly so I always check my statements carefully. I found that in XXXX of 2017, they did n't apply any principal from my regular payment ( it would have been a smaller amount due to the number of days between payments, but that is n't the point here ). When I called and asked about it they told me that there must have been a glitch in the computer system and that there was nothing they could do about it. I asked them to go back and make an adjustment and they again said there was no way to do that. I spoke with XXXX and she spoke with her supervisor XXXX who confirmed they could n't do anything about that particular payment and I should just keep an eye on my future payments. Please look into this and help me and others make sure our payments are applied properly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On or around XX/XX/XXXX I began selling items on XXXX which requires a Paypal account to be linked for payment. Shortly after Paypal contacted me whom i've had an business account with for about a year. They wanted proof of I.D, Dropshipping info, residency info, order fulfillment info, and invoices. I replied and sent all information requested during this process my Paypal account was frozen for 48 hours. Once info was verified I was able to continue business. Then My dropshipper XXXX asked to verify my account and said it takes 3 days well it took 7. Once all this was sorted out XXXX contacted me asking if I had issues with order fulfillment I explained the issue and also explained why I refunded so many customers whom were waiting. I looked up and my XXXX account was suspended XX/XX/XXXX with a {$800.00} sellers fee for selling on XXXXy I haven't been selling for 30 days yet.They then began refunding all customers even the ones i've previously refunded. And I couldn't see any of my sellers information on XXXX nor respond to any customers. Upon review of my paypal account it was negative {$100.00} 's of dollars and refunds went to quite a few customers whom have been shipped to and received items previously or had tracking information attached to orders already out for delivery. There is proof which I will be attaching. At this time XXXX  is still refunding customers and even after several attempts to ask Paypal to cease the action on my account they have allowed this - {$1500.00} as ofnow. There were some customers that I needed to refund about 12 after account was suspended but now their money is gone and so is alot of mine thanks to the refund process XXXX has began blindly. Please look into this matter and help me I will attach shipping info, payal info, and messages XXXX has sent showing refunds to people and never contacted me about this issue. XXXX even skipped the process in which a case is opened and they allow you to respond in 24-72 hours they are not even contacting me. I've been passed around to over 20 customer service reps and account specialist with no results. Just refund email after refund email all day for days. Help

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Please pull the phone records for a conversation that took place approximately XXXX XXXX XXXX. I  had received a statement saying I owed a very high payment. My understanding was you do n't have to pay until 6 months grace period after graduation. So I called in because I had just graduated 3 months prior. The representative told me that I was correct and that you guys start sending statements nearly right away and I could ignore them until my 6 months grace period was up. After following the directions given to me by the Fedloan customer service agent on approximately XXXX XXXX XXXX I  waited another 3 months in " grace period '' and it goes by and all of the sudden XXXX XXXX notifies me that approximately 45 late payments is malicious and has indescribably made my life a living XXXX. I 've been rejected to buy a house, I cant get a decent rate on my car loan, and my credit score has been brought down to the XXXX 's solely due to Fedloan 's customer service giving me misinformation and their false reporting of every single sub account as separate payments when in reality you only make 1 payment not 15 separate payments to separate sub-accounts! I have submitted disputes directly with Fedloan 3 times detailing my story and never once have I been able to state my case to a human. I send it in and the system rejects it and then I have appealed it every time as well and the appeals then automatically get rejected too. I have called in and talked to Fedloan customer service additional times and they told me to keep submitting more disputes ; which I have to no avail. This is ruining my life. I have been experiencing constant stress, imbalance in my relationship, a feeling of financial insecurity, XXXX, XXXX. This is not fair to my human well being and a direct block of the American dream. I have attended college for 7 years straight full time and got a good career and I have had my Fedloan student loans as well as ALL of my other bills set to Autopay ( never missed or late ever ) and yet I am rejected for a home mortgage and can not move forward in life. Please help me CFPB! Please do n't let them continue to ruin my life! <P/>-XXXX

Company response to consumer: Closed with explanation