milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/13/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CO).
Issue: Billing disputes

Complaint: XXXX issued me an American Express Card which I never received nor activated the card. American Express has turned their annual fees over to collections and have filed it on my credit report. I never received an American Express and the card that they claim was issued has never been activated. I need my credit repaired by American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2018 about Mortgage (FHA mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY).
Issue: Struggling to pay mortgage

Complaint: I MOVED OUT OF XXXX XXXX XXXX IN 2004 BUT I AM STILL HALF OWNER OF THE PROPERTY AND ON THE MORTGAGE. I HAVE RECEIVED ABSOLUTELY NOTHING REGARDING THE PAST DUE ACCOUNT. I HAD RECEIVED NO NOTIFICATIONS OF THE IMPENDING FORECLOSURE I WAS NEVER SERVED ANYTHING DESPITE THE FACT THAT I HAVE WORKED AT THE SAME PLACE OF EMPLOYMENT FOR 15YRS. DESPITE THE FACT THAT WHEN THE SECOND MORTGAGE WHICH WAS ALSO WITH XXXX WAS IN FORECLOSURE THEY HAD NO PROBLEM FINDING ME TO SERVE ME AND I WAS ABLE TO SETTLE THAT. I HAD ABSOLUTELY NO IDEA THAT THE HOME WAS IN FORECLOSURE I WAS DENIED MY RIGHTS TO STOP THE FORECLOSURE SALE OR TO REMEDY THE PAST DUE ACCOUNT I WAS DENIED THE RIGHT TO DUE PROCESS I WAS DENIED THE RIGHT TO ANY MORTGAGE CONFERENCE. I HAVE BEEN REMARRIED AND LIVED AT A DIFFERENT ADDRESS SINCE 2004

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Good afternoon, hope all is well ... I have tried to get the bank to remove this off my credit report ... According the them we were late on our payments for over a year, which is not correct we have made every payment on time, anyway they end up selling to another lender whom we have also never been late with ... please if you could remove this from my credit report, it is Home loan services account # XXXX ... thank you in advance. 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 07/22/2016 about Payday loan () with Advance America, Cash Advance Centers, Inc. (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I received a loan in 2014 that I defaulted on and have now been receiving harassing phone calls to my employer, family and elderly grandparents. This debt collector states that they are a Lawyers Office `` XXXX XXXX XXXX XXXX '' and I have called them back multiple times and representatives have been extremely violent and harassing. These phone calls have been back to back to my employer and are putting my employment in jeopardy. This " Lawyers Office '' has threatened my grandparents that I am being sued and only have XXXX hours to respond in regards to this matter. I have contacted the Advance America who has referred me to a debt collector who in correspondence refereed me to another debt collector " XXXX ''

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 09/18/2016 about Debt collection (Medical) with Benuck & Rainey, Inc. (NH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received correspondence from Benuck & Rainey on XXXX/XXXX/2015 for an outstanding debt of {$130.00} from XXXX XXXX XXXX XXXX. At the time of the services my mom 's insurance paid for all services ; however, the company claimed that I owed {$120.00}, see enclosed. This company has been harassing mean while I am in school and keeps threatening me if I do n't pay this debt. I am only XXXX XXXX XXXX and I do n't know what to do, so they told me to pay them {$130.00} or else I would have bad credit and would not be able to get student loans for college. I was forced to pay them from my summer 's savings as I was afraid that this matter would jeopardize me starting my next semester of college which would start in just a few weeks. 

No sooner that I had paid this bill, I received another bill from them, this time for {$410.00}. ( see attached ). I was again very surprised and started crying because I do n't know what to do. When I went back to look at my past statements from XXXX XXXX, it showed that I owed only {$94.00}, but again, my mom 's insurance pays for everything. 

I keep receiving phone calls from this company everyday, even when I am in class or out on the field practicing demanding that I pay this {$410.00} that I do n't owe. Despite asking them for proof that I owe them this money, they continue to harass me, they 've even called my other while she is at work, even though I never gave them permission to call her.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Problems caused by my funds being low

Complaint: Bank of America has changed a {$12.00} maintenance fee for my savings account several times. Each time I have called, I have gotten a different reason as to why my account is charged. Each time, I have followed their instructions to avoid the fee in the future. This time, they were " unable '' to refund my {$12.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (UT).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: On XX/XX/XXXX, I signed up for the XXXX Amex Surpass Credit Card. They agreed to give me XXXX XXXX points if I spent {$3000.00} in the first three months. I hit the {$3000.00} spend amount on XX/XX/XXXX. I called Amex in XXXX, and they said the XXXX points would show in my account 8 weeks after I hit my spend ( on XX/XX/XXXX ). They confirmed that I had hit the {$3000.00} spend. 

I called AMEX on XX/XX/XXXX, because the XXXX points had still not hit my account. They said they were escalating my case and that someone would contact me in 48 hours ( no one ever called ). They also said the points would hit for sure by XX/XX/XXXX, and that they would give me XXXX points for my trouble ( the XXXX points never showed up ). 

On XX/XX/XXXX, the XXXX points and the XXXX bonus points had still not arrived. I called AMEX again today, and they said they were escalating my case to the supervisor. They confirmed that I would get my points, but offered me no timeline. They said that numerous people are having the same issue. 

Any help you could offer would be greatly appreciated. I 'm losing confidence in their ability to follow through. Every time I call I get promised something ( e.g., we 'll contact you in 48 hours, you 'll get your XXXX points for your trouble, you 'll get your XXXX points by XX/XX/XXXX ), and they have never followed through on their promise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I believe I was over charged on a parent plus loan through Sallie mae.I would like the money I over paid back..

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (LA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Nothing has happened yet, but I have 42,000 dollars in private student loan debt. The problem is my social security XXXX check is not enough to pay back the loan. My house note is {$580.00} and my repayment of private loans would be about $ XXXXXXXXa month. My XXXX check is {$XXXX} a month. Other than XXXX, is there any way to solve this problem. I will go into repayment in XXXX 2015

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Having to deal with this company is by far XXXX of the worst experience I have gone through. I have been trying for over a year to get a modification from this company that keeps giving me the run around. They have lied to me, lost my documents and keep misleading me. I am about to loose my home because of this company. They are not following procedures and something need to be done about this!!. There are over XXXX complains about this company on line, what is it going to take. I am also consulting my lawyer as I will be suing this company. Even an employee voiced their distress and dismay about feeling helpless and unable to help consumer even though he/she is aware of the mishandling, lies, harrassment and fraud going on in this business. There will be a Class action law suit for the pain suffering and lies I have and is still enduring from this company!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Bank account or service (Other bank product/service) with UMB BANK, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: UMB Bank is the banking institution that administers my XXXX Savings account. I have been getting charged for monthly fees that I was not aware of and the money in my XXXX account has dwindled down going to the bank. UMB representative said i could have avoid the fees by optioning for the paperless statement. UMB has it mention on the statement but never put a website or link on the statements. The statements does n't the UMB address and the phone number is very inconspicuous. The statement is very nebulous. The account is setup to not give you any detail information and to drain your account with frivolous fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (TX).
Issue: Unauthorized transactions or other transaction problem

Complaint: PayPal is holding money that 's available in my account. PayPal is h olding money that 's available in my account for no reason. They 're currently holding {$3200.00}. Account ID :  XXXX  XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The current ten-year HELOC was set to expire on XX/XX/XXXX. XXXX XXXX instructed us to apply for a new HELOC as the expiring HELOC product was no longer available. The new HELOC application was completed and submitted on XX/XX/XXXX, XXXX XXXX responded as follows : > Credit Score created on XX/XX/XXXX through Credit Reporting Agency : Experian > Special Credit Score Disclosure Form > Housing Counseling Agencies Notice > Declination letter dated XX/XX/XXXX > Contacted XXXX XXXX Consumer Lending Department upon receipt of declination letter only to learn that the department generates their own custom credit score using credit reporting information obtained from Experian ONLY! This was the first time an application for credit has been denied for either one of us. Despite debt/income and loan/value ratios exceeding the requirements, the declination determinate was XXXX XXXX custom credit score fell ten points below the banks required minimum score. This news ensued with disbelief as are FICO scores continuously reported within a range of 760 to 820. Further investigations produced the following : > My individual credit score obtained from Experian within days of the declination resulting in a score thirty-nine points higher than the referenced initial credit score from XXXX XXXX. > Credit scores calculated by the other two national credit reporting agencies were ninety and one hundred ten points higher than the referenced credit score from Experian/XXXX XXXX. > On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) issued a Consent Order Administrative Proceeding File No. XXXX against XXXX  XXXX, XXXX and companies for deceptively marketed credit scores to consumers by misrepresenting that the credit scores it offered and provided to consumers were the same credit scores lenders use to determine creditworthiness, in violation of the Consumer Financial Protection Act of 2010 ( CFPA ), U.S.C. 5531, 5536 ; and. Per review of the Experian Credit Report dated XXXX XXXX, unpaid medical bills are listed as current collection debts without any reference to their validity, date of service or expiration via Florida Statutes of Limitations. These same medical bills negatively impacted the initial credit score from Experian/XXXX XXXX despite creditors being prohibited from obtaining or using medical information when making a credit decision per the Fair Credit Reporting Act ( FCRA ).

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 03/24/2018 about Mortgage (Other type of mortgage) with AMERICAN PACIFIC MORTGAGE (CA).
Issue: Closing on a mortgage

Complaint: On or about XX/XX/XXXX, I was contacted by XXXX XXXX. XXXX XXXX is a senior consultant at American Pacific Mortgage ( APM ). XXXX XXXX told me I had not been given the proper time to review documents associated with my original mortgage loan. Also, he told me APM would refinanced my loan at no cost to me. 


On or about XX/XX/XXXX I received some information from a federal government agency. An XXXX XXXX XXXX XXXX ( XXXX ), Loan Estimate with an issue date of XX/XX/XXXX and a XXXX Addendum to Uniform Residential Loan Application was included in the disclosure. 


My analysis of the documents follows : 01 ) I had not seen any of these documents before. 


02 ) All documents had an interest rate of 4.250 %. I was unaware of a potential 4.250 % interest rate. 


03 ) All the documents electronically signed with my name are forgery. 


04 ) All the documents electronically signed with my name have the same date and time stamp. 


05 ) All the documents electronically signed by XXXX XXXX have the same date and time stamp. 


06 ) All electronic signatures look like they were written by the same person. 


07 ) The XXXX has an extra blank page with an electronic signature of my name. 


I have questions about the attached document. 


01 ) I would like to know why I never saw any of these documents?

02 ) I would like to know why I was told about the 4.250 % rate?

03 ) How is it possible that all the documents electronically signed with my name have the same date and time stamp? 


04 ) How is it possible that all the documents electronically signed by XXXX XXXX have the same date and time stamp? 


05 ) Why do both electronic signatures look like they were signed by same person? 


06 ) Why does the XXXX have an extra blank page electronically signed with my name?

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 04/16/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (NH).
Issue: Account opening, closing, or management

Complaint: I cancelled my bank account with CITIBANK in XXXX 2015 and I 've already called them XXXX times to get a check with the balance of my account at the time of closure. So far no result and the process is in a loop. In every call they offer cancelling the previous check supposedly issued and reissue a new one. Every call takes more than XXXX minutes and they ask for my personal data over and over again. Two months after I still do n't have my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: When I first went to XXXX XXXX in XXXX, MA, they had told me how they would place me in a job in that field. I completed in XXXX with a XXXX. That never helped me in obtaining a secure employment in that field. I ended up working for temp angencies. Then I became XXXX in XXXX and have been out of work since. My loans were through Sally Mae. They have been taking money out of my benefits since XXXX. I 'm should be getting $ XXXX mth but I actually only receive $ XXXX mth. I 'm a single parent trying to find a way to get back to work but it has been hard with my XXXX. I also tried to go back to the XXXX XXXX for my XXXX because they told me that they were now accredited and I would be able to transfer credits to XXXX XXXX XXXX. I went for about two weeks and just could n't make it to classes because of my XXXX. When I went to tell them this and needed to drop out. I was told that I would still have to pay. I am barely making ends meet with the income that I receive, I do n't need these loans huvering over my head. Especially when I 'm trying to get my credit straight as well. I want my loans to be Discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In order to prevent any deception, misrepresentation, or concealment, we are requesting that you forward the portion of the original promissory note agreement with these six ( 6 ) elements to satisfy and complete : A. Adequate Assurance of Due Performance B. That the proper party is to be repaid their money C. That a theft of any party has not occurred D. That my client was provided, Full Disclosure, Adequate Consideration, and a Mutual Understanding of all material facts in the original transaction if you can not or refuse to provide the portion of the original promissory note ( s ) agreement ( s ) with these six ( 6 ) elements within thirty-days ( 30 ), please explain why.

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 02/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Residential Credit Solutions, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Complaint : Mortgage Servicers I find it necessary to file this dispute with your agency to protect my home mortgage from further abusive financial practices. 

My Chapter XXXX Bankruptcy Case was discharged, effective XXXX XXXX. In XXXX XXXX, under the plan, I made my final payment to the Bankruptcy Trustee, to pay the mortgage and after that paid the creditors mortgage service company. 

I paid the Creditor {$3100.00} ( Without Notice of Mortgage Change ) in XXXX. I paid {$1600.00} in XXXX upon recognizing a notice of mortgage change was not filed and that the service mortgage company was backdating payments. According to their records, I owed {$26.00}, XXXX to the Creditor. 

A review of my loan account showed that effective XXXX XXXX, the service mortgage company adjusted the monthly mortgage payment from {$1600.00} to {$3100.00}. I was nine months past due on payments of {$3100.00}. The service mortgage company applied my XXXX XXXX payment retroactively to XXXX XXXX. From what I could determine, the service mortgage company collected {$9300.00}, or roughly {$4400.00} over the mortgage payment of {$4900.00} authorized by the Bankruptcy plans. 

When I initially complained, the service mortgage company refused to listen and insisted on collecting the full amount, {$26000.00} in past due claims including {$2000.00} in miscellaneous fees. While demanding payment from me, the service mortgage company filed a Response to The Notice of Final Cure in Bankruptcy Court certifying that my loan account was current. 

When presented with filing, the service mortgage company removed a substantial portion of the claim and filed a Notice of Mortgage Change, effective XXXX XXXX, XXXX, of {$3100.00}. The service mortgage company 's transaction history indicates receipt of {$3100.00} payment on XXXX XXXX, XXXX. Additionally, service mortgage company transferred the loan to a new mortgage servicer with instruction to me to make all future payments to the new servicers effective XXXX XXXX. 

I paid the new servicer {$3100.00} on XXXX XXXX, XXXX, for the mortgage payment due XXXX XXXX. After that, I received notice from new servicer about an outstanding claim from the old service mortgage company for the XXXX XXXX payment. I filed a dispute with new service mortgage company in response. The new servicer applied my payment to the old servicer 's claim and demanded XXXX and XXXX XXXX payments. The new servicer advised me that the answer to my dispute could take up to 45 days. 

When making the XXXX payment, I spoke to new servicer 's agent, who acknowledged receipt of my dispute, confirmed mailing address and indicated that a late payment fee did not apply to this payment

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Struggling to pay mortgage

Complaint: I was laid off from my job on XXXX XXXX. XXXX. I sent a complete workout package to Chase Mortgage and received the incorrect workout option based on Huds guidelines. I have an FHA loan. According to the HUD guide page 613, if one or more borrowers is unemployed then the borrower should be considered for the unemployment forbearance. My husband is employed but since my loss of income, we are not able to pay the mortgage Our gross income is XXXX and net income is XXXX. Our monthly expenses is {$7800.00}. Since there 's been a verifiable loss of income then, we should be receiving a Special Forbearance. This option was not offered simply because my husband works but 2 incomes are needed to sustain the payment.

Company response to consumer: Closed with explanation