milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/27/2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX I called XXXX XXXX regarding an issue with my monthly statement that was the exact same issue I had last year. Since she was able to help then, I thought she would help me this time. I was wrong. She said she was able to help last year because I had a complaint on file. While I was on the phone with her, she transferred me to another department and I spoke to a guy who said he would put a copy of my CORRECT XXXX statement in the mail immediately and that I would receive it by the middle of the following week. That never happened. So on XXXX XXXX, when I still had not received my correct XXXX statement, I filed a complaint with the BBB. My complaint was NOT resolved and I never did get a CORRECT XXXX statement. My grace period for paying my XXXX mortgage payment was up on XXXX XXXX and since it was obvious I was n't going to get any actual customer service, I went ahead and made my XXXX payment and crossed out all the wrong numbers on the payment slip. My payment also included additional principal as it has for the last 2 years. My check for {$2400.00} cleared my bank on XXXX XXXX, which means suntrust received my payment on time. Then the statement I got for my XX/XX/XXXX XXXX due date says that I have {$2100.00} in " unapplied funds ''. That is my monthly principal amount and it should have applied correctly. The additional principal I paid was applied correctly. My XX/XX/XXXX XXXX statement says I owe {$4200.00} which I absolutely DO NOT. When I called on XXXX XXXX to try to get the " unapplied funds '' issue resolved, the rude woman on the phone would n't even let me finish my sentences so I hung up. I called and left a voicemail with the escalation department and their voicemail says they will return customer 's calls the next day. They have never called me back and my mortgage is still a mess. I did not choose suntrust as my mortgage holder, it was sold to them, and I never would choose them. Their customer service sucks and they need to fix the mess with my account that they created and correctly apply the thousands of dollars in principal payments I 've sent them. They also need to return customer 's phone calls or change their voicemail to something that is n't lying to customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Student loan (Federal student loan servicing) with ACS Education Services (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am on an income based repayment plan with ACS. In XXXX, I missed a payment which resulted in late fees of {$100.00}. I have now paid a late fee of {$100.00} every single month since XX/XX/XXXX. ACS never notified me of the late fee amount, so initially I assumed that the amount was being broken down over several months. After 3 years of a continuous late fee payment, i decided to inquire about an accounting, i.e. how much was my initial fee, how much have I paid on it and how much was still due.
Turns out, when an account is in IBR, ACS applies all overpayment of the due amount to interest first and then late fees. Since my interest is always over {$100.00} of the late fee, they effectively created a system in which there is not a way for me to pay the late fee. My continuous additional payments of {$100.00} are creating a windfall for ACS that flies in the face of the intent of IBR.
After a lengthy discussing with the supervisor 's supervisor, I asked if for one month I could pay the current due, plus the accrued interest, plus the late fee if that would take care of the late fee. I was told that it would but only if i pay on the day that interest accrues. I intend to do this. However, this seems like a clear violation of IBR that amount to defrauding student loan borrowers. It seems highly unlikely that I am the only one this happened to and should be investigated in depth.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Student loan (Non-federal student loan) with DISCOVER BANK (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Discover student loans apparently bought my loans. They have jacked up my interest rates to an unspeakable amount and made my monthly minimum payment unbearable. They are not willing to work with me on lowering the minimum payment and will not allow me to defer. I am a single mother of XXXX, i have been paying since XXXX and did not when graduate until XXXX. They call my cosigner sometimes up to four times a day before even saying to contact me. They speak to third parties about my private loan information and recently automatically withdrew a payment from a third parties account with out my consent. They are absolutely a fraudulent company judging by their history of being probed for student loan happiness and jacking interest rates and minimum payments up. I can no longer afford to make their minimum payment and they are unwilling to work with me. They are shredding my credit score and have me on the verge of bankruptcy.i need help!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Balance transfer fee

Complaint: Sir, Madam I am writing this letter to complain Well Fargo bank. 
1. When i did a second balance transfer on phone they told me that, i just pay only one time charge for balance transfer either {$5.00} or 3 %, ( No interest charge ), but when i received a bill, there is the interest charged on my bill. I did call the Well Fargo bank, but they did not resolve that happen. 
2. I had never applied for credit defense, but they automaticlly made up the paper, and charged in my account. I was so frustrated and call them, they already credit back to my account, but that was illegal? 
3. I had never applied for Loan, but they automaticlly made up the paper, and charge me XXXX dollars. i was very frustrated, went to the bank asked them to clear it ( because that is fraud ). they did clear for me but that was illegal? 
Hi Sir, madam, i am depressed, sick because of the Well fargo bank. i have a trouble sleeping every day .Could you please help me I am waiting for your response XXXX XXXX my email is XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This is not mine was opened in my name not by me and this should be taken off my credit thank you

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 10/19/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (OH).
Issue: Adding money

Complaint: Rush Card/ XXXX XXXX on XXXX XXXX, 2015 there was a service up that same day the update was completed and service was supposed to be normal. On Wednesday XXXX XXXX, 2015 my employer send my direct deposit in the amount of {$500.00}. These funds are to be available the following day, but this was not the case. From the recording when you call something happened with the update and funds would be available on your regular pay day which is Friday. Rush card offers 2 day early direct deposit is one of the reason I have been with them so long. Today is XXXX XXXX, 2015 and I still have no funds and according to them they have idea when I will have my funds which is unacceptable. Others I know are having the same problem. All I want is my money so that I can close my card out and be done with this company. Since this update no one has been available to anser questions and the line keeps hanging up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX is reporting account XXXX as my account as a result of transfer from XXXX XXXX XXXX in XX/XX/XXXX. This account is not mine and XXXX should remove it from my credit report. On XX/XX/XXXX XXXX XXXX XXXX, XXXX 's attorney, sent correspondence advising they would update the report after the Court made a decision referencing this alleged transfer from XXXX XXXX XXXX. On XX/XX/XXXX, the Court order the Rescission Deed that XXXX gave them authority to collect this debt was invalid. XXXX should update their records and remove this line of credit from all the credit reporting agencies.

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 11/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: My APR went from 17.24 % XXXX of XXXX to 30.15 %. At this rate i made payments up to XXXX of XXXX with that hi APR. Since then I have been trying to change the rate by either thru Calling there main office or writing via E-mail and XXXX. 
Then i stopped paying which in turn they Destroyed my credit score. I am talking to Deaf ears..they just want the money and in 6 months they say they will review my credit again.. 

Originally this dispute started when my credit card invoice would come to my house and the due date would be the following week, which by the time they received it i would hit with late fees.. after the 3rd one the APR jumped to 30 % ..i have been calling them almost ones a week and being on hold and talking with them for Hrs.. 

I need to straighten this out because it has destroyed my credit ... all my cards, mortage etc etc have always been paid on time ..

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient student loans calls us  3x a  day everyday of the week because our son is behind in his loan payment they do n't need to harass this much.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Mortgage (Conventional home mortgage) with Security National Mortgage (NV).
Issue: Incorrect information on your report

Complaint: I bought a house with the lender Security National Mortgage in XXXX. Less than a month later, the loan was sold to XXXX XXXX. Since XXXX XXXX, I 've made my payments on time with XXXX XXXX but Security National Mortgage is reporting me past due for the past 6 years. 

I remember receiving a call from Security National Mortgage late XXXX and i agreed to send them a check for the payment amount. I sent the payment and never heard back. I did n't get any letters or any phone calls from them after, that made me believe that everything had been taken care of. 

Earlier this year, I checked my credit and found they were still reporting my account as past due. I sent a check late XXXX XXXX XXXX XXXX, mistakenly for {$700.00} instead of {$720.00}. But Security National Mortgage continues to report as past due and continues to report the balance as {$720.00}. 

I am more than happy to pay the {$21.00} that are left, but not before they remove all derogatory information from my credit report. They did not make me aware that the payment had not been received and they continue to report inaccurate information to the credit bureaus.

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX-XXXX XXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from XXXX which was made on XXXX /XXXX/2016. I checked my credit report, which I acquired from transinon. I have contacted XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,

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 Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Horrible consumer/debtor treatment. I settles that acct. Have yet to receive my letter stating I paid. I would like my release letter. I 've called numerous times, and have gotten the same response " we will send it out '' It is on a recorded line agreeing to pay {$200.00} of the {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Checking or savings account (Checking account) with M&T BANK CORPORATION (VA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a checking account at M & T Bank in XXXX of 2017 at their branch on XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I used a promotion code ( XXXX ), which promised {$200.00} dollars after direct depositing {$100.00} or more into a checking account. The woman who helped me open my account at M & T assured me that I was eligible for the promotion and that she included the promotion code in the computer system at the time of opening my account. I arranged the direct deposit within the required 3 months and, as per the promotion, I expected to received my {$200.00} within 3 months of having my $ 100+ direct deposit go through. A direct deposit of {$100.00} went through on XXXX XXXX, XXXX. Three months later, I still had not received my {$200.00} so I called the bank branch. A representative asked me to email them the coupon I had to see the code. I obliged and the woman said that the promotion had a computer-based system with names in it of people who are qualified - apparently my name was not in the computer system. 

However, if this were the case, the M & T representative did not inform me of this when I first opened my account and even assured me I was eligible. Furthermore, the coupon mentions nothing about a computer-based system with eligible names ( I attached it to this complaint ). After mentioning this to a representative over the phone ( working at the branch where I first opened my account ), she told me she would call me back after looking into the matter. I never received a phone call or a message/email back from the representative and I never received the {$200.00} per the promotion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-03-2017 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: After paying a mortgage for 15 years without issue. In XX/XX/2010 I starting having difficulties paying my mortgage missed two consecutive payments and PNC returned my checks and refused payments. I did n't have anywhere to turn, with financial difficulties I decided it was best to put my property on the market since I owed more then the property is worth. I had it listed with three different Real Estate Brokers and was not able to succeed with a short sale on the property even thought there were buyers the bank turned them all down, with no offers over asking price off {$290000.00}. The Real Estate agent who currently has my property listed received an offer of {$270000.00} cash. PNC told my agent that because a short sale was reviewed already they will only allow it twice and I have exceeded that. First time was because the offer was too low and the 2nd was because my agent called and I was in a Bankruptcy, PNC counted that as the 2nd request. I am trying too get my life back on track and not have my property foreclosed on due to the severity of the impact it will have on me for quite some time. The reason for low offers are due to the condition of the property not having the financial backing with the serious draw backs which was not understood by the Appraiser. Their are 4 serious issues that were not considered in the bank arriving at there value. 1. Appraiser omitted the fact that the building department will require a {$60000.00} expense to repair a retaining wall and a new garage, which must be bourn by the new buyer within 90 days of purchase. ( photos included ) 2. The house is physically and structurally a knockdown. ( photo included ) 3. The driveway has an easement with XXXX other properties. 4. The house is a non-conforming lot that requires a variance to build a replacement home. ( see building code requirements attached ) The buyer is ready able and willing to move forward knowing before he can get the approval for a variance he must comply with the violation with the XXXX. ( attached violations for retaining wall and garage ). I have also attached a letter from the buyer addressed to the law firm who is foreclosing, sale contract, proof of funds, MLS listing. Please understand this property is not salvageable and the purchase is based on the land value minus the retaining wall.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MD).
Issue: Billing statement

Complaint: I have an American Express credit card to which I have authorized XXXX other persons to receive cards under my account. I pay the total amount due each month. The monthly statement comes to me, lists separately each user 's activity, and provides the grand total of same. However, the credit company reports to the credit bureaus, the grand total amount that is due on all XXXX cards for each card holder and not their individual net amount. I understand that the grand total is and should be reported to the credit bureau on my account. The other XXXX account users credit scores should not be influenced by any credit amounts other than those made on their individual card.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Credit card) with Army and Air Force Exchange Service (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Army & Air Force Exchange Services transferred my debt to a collection agency called XXXX XXXX XXXX XXXX I never received a letter or phone call from XXXX until I was buying a house. Then I received a letter stating I owe {$3800.00}. I asked the customer service rep what this was all about? She stated that they sent a letter to the address, [ left blank intentionally ] XX/XX/XXXX. I asked if they tried to call me. She stated, " No. It is not our practice to make outbound calls, we just send letters. '' So I told her that I had not lived at that address since XX/XX/XXXX-XX/XX/XXXX. She was silent. So I asked if she could bring the payment to what is showing on my credit report? She stated that I would have to call the XXXX office to make a settlement offer. When I call, they said that I owe {$3800.00}. It had occurred almost {$40.00} within 8 days of the letter being sent through the mail. I talked to XXXX XXXX and he said he will submit the offer up to the client and it should take 14 business days to hear something back. I offered to pay what was on my credit report of {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 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 status incorrect

Complaint: This account is being reported as a charge-off stating I never paid the balance. I paid this balance in full to the original creditor. I paid this account in full back in 2012. I have tried to dispute this with the credit bureau however they keep reporting this incorrectly.

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 03/27/2017 about Debt collection (Medical) with RevSolve, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I believe that this debt collector illegally altered my information so that I would owe a debt collections company I do not owe. 
Or they may have contacted my original creditor and asked to have me make payments to them. This debt collections company is reporting to the credit bureau that I am delinquent and I have not paid my debt to my original creditor when I have proof of payment to my original creditor. I have already disputed this debt collection 's company because I have been making my payment to my original creditor XXXX Hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX I contacted my mortgage lender Bank of America to automatically withdrawal my house payment of {$4200.00} on XX/XX/XXXX from my XXXX checking account prior to my mortgage becoming 120 days late. I let them know I want to stay within the 120 minimum day rule, in accordance to the law, 12 C.F.R. Section 1204.41 ( f ) which became effective XX/XX/XXXX. I am making this complaint due the fact that nothing has come out of my account and nothing is pending. I am currently in review for a loan modification that they are stalling asking for documentation that is irrelevant in hopes to deny me. They are asking for me to show a deposit in my bank statements ( which they already have ) of a cash bonus that I received or a canceled check of that bonus, knowingly that is NOT possible when they have my bank statements during that time frame of receiving that bonus. Bank of America once AGAIN is trying to find ways of how to deny eligible applicants for a loan modification, struggling to keep their homes. I have been trying to get a loan modification since XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief