milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/27/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Tried to get a modificationdid not know I had to always use a housing agency to assist with paper work requested by US BankLoan Officer for US Bank called XXXX a week requesting documentation and asked me sereval times is home occupied so that US Bank could put house up for sheriff Sale. 
After contacting CFPB US Bank postponed XXXX date XX/XX/XXXX/2015rescheduled for XX/XX/XXXX2015I requested a appeal for XX/XX/XXXX complaint XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I discovered that I was a victim of identity theft when TD Bank sent me a congratulations letter for opening an account with them. I do not bank with TD Bank nor have I ever banked with them in any manner. I promptly notified TD Bank of the theft and completed a series of letters through the Federal Trade Commission ID theft reporting system. TD bank acknowledged this theft over the phone with me and said they were working immediately to stop/close and reconcile the matter. Now, about 1 month later, I am STILL getting bank statements from TD Bank indicating " my account '' is still open and in existence. I need this matter reconciled completely and all matters closed/cancelled with TD Bank please. I did not apply for any account and/or services with TD Bank and this is 100 % Identity Theft/Fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Money was not available when promised

Complaint: Venmo user ID " XXXX '' sent me XXXX money transfers ( XXXX, XXXX, XXXX, XXXX and XXXX ) to buy my XXXX through XXXX. 
Money appeared on my Venmo account and I released my bitcoins to him. 
a couple of days later Venmo frozen my account and never return the money back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax will not unfreeze my account. Trying to buy a house but Equifax says that I have a 7 year alert but refuse to remove alert in which I did n't agree to.      XXXX  will not unfreeze my account.trying to buy a house but  XXXX  refuses to remove the alert or freeze on my credit report in which I did n't agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (SC).
Issue: Struggling to pay mortgage

Complaint: A loan mod package was sent to Wells Fargo Bank re entry department and general fax on XX/XX/XXXX.  See attached fax confirmation. WFB is refusing to review the file stating they did NOT get the documents in time. The sale date is set for XX/XX/XXXX. The documents were received XX/XX/XXXX. They  are stating that the sale date is too close to review the info. The inability of WFB to receive a simple facsimile or simply maintain a file is inexcusable. WFB claims it did not receive the info in time. However, not only did we timely send the information, but a successful fax confirmation was kept as a record. The 37 day time frame was met and yet WFB is still not reviewing the documents.

There is no valid reason as to why WFB is refusing to review the file. A complete modification package has been sitting in their institution and they are NOT providing a valid reason as to why they will NOT review the documents. The 37 day time frame is not the excuse when the documents were clearly there since XX/XX/XXXX. Between the misplacement of the financial documents and the poor communication from WFB, it is clear that WFB simply does not want to review Homeowners file for a possible work-out solution. WFB is denying her a workout request based on inaccurate information and refusing to take remedial steps to provide a qualified homeowner with a solution to save the home. By refusing to disclose details about the modification process, WFB is able to deny request at will without any accountability.. It is very apparent that WFB is discriminating against XXXX XXXX and her family based on their race, ethnicity, and national origin. The events described above are just a sample of the practices that are taking place at WFB. WFB appears to be more interested in foreclosing on her home and selling it at auction to make a profit. It appears that WFBs lack of participation in a meaningful modification review of her file indicates a preference to profit directly from her hardship. XXXX XXXX is demanding that WFB review her file.

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 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After a complaint to XXXX Mortgage about reporting my mortgage payments as late the mortgage company is now reporting that my mortgage loan account was modified. This reported information was and is not true. 

I applied for the mortgage assistance program in XXXX and was denied XXXX/XXXX/XXXX but In XXXX I again tried to apply for a loan modification that was denied on XXXX/XXXX/XXXX. 

There was nothing regarding any type of modification on my XXXX credit report or the XXXX report. The information is just now being reported by midland mortgage on my credit report after they had to do corrections regarding my payment dates In addition the {$70.00} from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX that I have been paying over the regular mortgage that midland had been charging back to me as a late fees has not been credited back to my account as additional principle or refunded back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Sent them a validation of debt letter asking for original contracts with signatures and they have not complied yet. They took XXXX item off but not the other and I do n't see what the difference is because they could not validate either account. They also have a status of 'pending cancellation ' for their XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Non compliance of FCRA and Metro 2 compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I went to the Equifax site to see if my information was affected by their security breech. This would have been around XXXX XXXX. Their site said I was n't affected bu that I could still register for free credit monitoring. However, rather than do it automatically or allow me to do it manually right then, the website tells me to return to a site on the XXXX. ( I believe that if I did n't do it on the XXXX, I would have to start over. ) I returned on the XXXX and filled it out. Then I had to wait to get a verification email. On XXXX XXXX, I got that email. Not especially helpful is the fact that the email comes from an email domain that is trustedid.com ( via XXXX ) but it includes a link to a different domain, https : //trustedidpremier.com. I clink on the link in the email and it takes me to a page that always says " System Unavailable. We are unable to process your request at this time. Please try again soon. '' I tried multiple times over multiple days with no change. 

I then called the phone number in the email from the XXXX. The operator manually checked my credit to verify my identity -- but with questions that I 'm not going to have handy ( What was the amount of my car payment 7 years ago, etc. ). Having passed that check, I am now waiting 48 hours for yet another email and then I need to click on that email and then fill out more information. 

The point is quite simple : Either this system is incompetently designed -- or it is purposefully designed to make it almost impossible to successfully enroll in the Equifax credit monitoring program that results from their latest data breach. I have used a lot of websites and I ca n't recall anything as onerous and inefficient as this process. 

It is hard to believe that Equifax is not throwing up barriers to enrollment in this program. There is no way that the design of this enrollment is a good faith effort to help people ; quite the contrary it would seem. 

I 'm pasting in the content of the email as a reference : Your Activation Email is Here Dear { removed }, It is time to take the final steps in enrolling in your free product, TrustedID XXXX, by verifying your identity. To do this, youll need to answer some questions about yourself. Successfully completing this step will conclude your enrollment process and activate your product. 

To verify your identity and activate your product, please click the link below : https : //trustedidpremier.com/XXXX XXXX { removed XXXX This link will remain active throughout the enrollment period, which expires on Monday, XXXX XXXX, XXXX. 

If you did not request this email or if you have any questions, please contact us at XXXX. 

Sincerely, Your Equifax Customer Care Team

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I advised the credit bureau Equifax that this account is outside of the federal statute of limitations for XXXX years of time barred debt they responded to me that says because of their records retention policies that they have the right to list the debt beyond the XXXX year period and that i have to wait en-light of federal laws of which this is illegal under the fair debt collection practices act

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: 3rd COMPLAINT Ref Complaint # XXXX XXXX Numerous requests to PNC to stop sending credit card offers in the mail have failed. Was assured by PNC by phone and by complaint # XXXX that I will not receive offers to my address. <P/>Please see previous complaints for additional documentation. <P/>> This is the ONLY bank that does not remove this address from their marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Private student loan debt) with LOAN TO LEARN (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have a defaulted student loan through Loan to Learn. A recent hit on my credit report indicates that this loan is in collection ; however, there is no contact information listed for the collection agency. The loan amount is listed as XXXX with a balance owing of XXXX and outstanding balance of XXXX. Further, the only contact information listed is the original lender Loan to Learn for which the phone number is out of service and the website for which has not been updated since XXXX. The address listed is XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX Virginia zip code of XXXX. The out of service phone number is XXXX. No collection agency has made any attempt to contact me regarding this debt, though they are reporting the balance as outstanding through credit reporting agencies monthly since XXXX XXXX. As such, I have no way to rectify this debt. I have no company to contact through phone, email or website. I have no ability to dispute the debt amount or to confirm the origins of said loan. My credit report is suffering and I have to way to make this right. Please let me know what will be done in response to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Bank account or service (Checking account) with NEW YORK COMMUNITY BANK (CA).
Issue: Account opening, closing, or management

Complaint: I have been having problems with this bank, and decided to close me account. I contacted them to get explicit directions on how to close it. I had numerous problems with this bank before and wanted to make sure I could l so without incurring any fees. It is an interest baring account. I called to find out to close the account, but get the remaining interest due. I was told in that situation to leave {$1.00} t {$2.00} in the account and the remaining interest would be deposed after the next cycle closed ; after that happened, I could with withdraw out any penalties. Instead I got numerous letters that my account was overdrawn, because the bank charged me fees for not meeting a minimum balance. I got multiple letters threatening they were going to report to the credit reports and that this was a default that was going to show up on my credit report. They were claiming my account was overdrawn {$8.00} ; they had charged me {$10.00}, directly contradicting their directions that said that they would not do that. When I first contacted them, I got the complete run around. First they told me they could not legally reverse the fees. When I threatened to sue them, they said they would reverse the charges. I insisted they send me a letter verifying my account was not overdrawn and that they would not contact the credit agency. They have refused even to address the issue after months of my asking them to : this is wholly illegal. All their responses say is that my account now has no balance due, which I know. I contacted them XXXX times and they refuse to address whether they sent this information to a credit agency or took or will take any adverse action. I believe their refusal to respond is also directly retaliatory, because of the documented issues I had with this before. I think that they violated multiple laws. They Illegally sent or threatened to send misinformation to credit agencies, and then have refused to address those threats and whether they have done so. The only amount that was over drawn on the account was the amount they illegally charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX FAILED TO REMOVE ALL HARD INQUIRIES FROM TRANSUNION AS PROMISED. THE INQUIRY WAS INVALID BECAUSE OF FRAUD ALERT.

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 06-01-2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I keep getting calls from various numbers every so often ( over the last 4 years ) they will call under a different name and with threats from a public server that I will be served at home or work withing 24 hours. They have also contacted my ex-husband and mother-in-law continuously.. when i ask the name of the company and address, they give me nothing but today a person named XXXX XXXX called and said he will serve me within 24 hours. I am not sure if this dead debt is being tossed around to several collections companies every so often ... ..I need them to produce info, take me to court or something, but I just keep getting harrassed and no info from them. here are XXXX of the numbers that called me today from the same place ( XXXX ) ; ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problems caused by my funds being low

Complaint: Paid outsatnding balance at TD Bank for checking account # XXXX that was closed with an overdraft balance. Requested proof of payment to be emailed but was refused and told I could go to the branch. Went to branch and was given the wrong paperwork. Called back to TD Bank 's collection dept and was told to I should of requested an email when payment was first made ( which I did ) but now it was too late to receive an email confirmation of proof and I should return to bank and request a " settlement in full '' letter. I was also told that if I had any more issues I should have the branch contact the collection dept. I followed the instructions given and when the branch called the collection dept the collection dept told the rep at the branch I have to wait for it to be mailed to me. I am obviously getting the run around and all I want is this resollved. I have lost time from work and ca n't open a bank account until I show proof of payment of the outstanding balance that was owed to TD Bank. I have attached a copy of the amount that was debited from my bank account on XXXX XXXX to TD bank to settle the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2015 about Debt collection (I do not know) with Focus Holding Company (ME).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A robo-call identifying itself as " Focus Receivables Management '' at XXXX calls our landline frequently, urging us to call them back immediately, to find out about a problem we have with an undisclosed company they work for regarding an unpaid/overdue debt. The robo-call never discloses the company pursuing the debt, and we have no directly communication from any company about a debt we are overdue on.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Payday loan debt) with National Check Resolution Inc. (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XXXX  a t NCR ( National Check Resolutions ) contacted me at my place of employment. I have never been in contact with her before today. Called our Corporate  headquarters and we can not receive any inbound calls that are not related to our business. The call was transferred to me. Her contact number is  XXXX  ext  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Since graduation I was not able to make payments. I was always pushed to deferment and forbearance without a clear explanation of my options. My debt almost doubled on many of my loans and I am now looking at an extra {$40000.00} that I need to pay off. They also did this with my private loans. Many times the company would wrongly allocate my payments which would lead to me being stuck on the phone with them trying to fix the issue. I was also contacted by collectors working under the name navient when XXXX of my private loans was about to default. They were very pushy and never offered help. Many times they just tried to collect whatever they could. Once when I tried to talk to them the gentleman hung up on me because I was n't able to pay what he wanted. I can barely afford my payments as is and without financial help from my parents there is no way I could. At the current rate I could have my loans payed off by 2115. Its ridiculous and seems impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NV).
Issue: Other fee

Complaint: All Previous fees had been paid. The only pending amount on the account was for " membership '' fee of {$95.00}. Against better my judgment I paid the fee and cancelled the card on XX/XX/2016. I spoke with a supervisor at XXXX. The remaining fees are the {$36.00} late fees for untimely payment of the membership fee. The card was not used during this time. I requested they wave the late fees as I have paid the membership, but to no avail. I have not and will not use their services. I no longer have the card I shredded it. The account is a AMX Green Card ending XXXX In addition my XXXX rewards point were forfeited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/21/2017 about Vehicle loan or lease (Lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XX/XX/XXXX I enrolled in paperless and automatic billing for my XXXX XXXX lease through XXXX ( their own portal, not my bank 's ). I have email confirmation that I 've done so. Fast forward to XX/XX/XXXX XXXX - my car is being towed out of my driveway by a repo company. I received no emails, no phone calls, nothing in the mail, not even a message on nissanfinance.com 's  message portal. Apparently they NEVER billed my bank for the monthly payments that I set up and never contacted me to tell me that I was delinquent. Normally when a bill is late you receive some correspondence from the company because they want their money, but apparently Nissan would rather steal your car and make you pay exorbitant repo fees. I tried calling Nissan and the representative refused to A ) admit that there could 've been an error in their system, B ) transfer me to a supervisor, C ) work with me on paying the repo fees that were unjust. I was n't delinquent on my account - always paid on time - and have the money in my account to pay in full. When I was paying through my bank my payments always arrived, but I was encouraged to enroll in their paperless billing, then all XXXX broke loose. Again, I have email confirmation that I enrolled in their paperless billing on their website, but it was never actualized. Horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: This is additional information not a duplicate. My servicer has me documented as having a second mortgage on the papers he submitted to CFPB in response to my complaint. However, I have " NO '' second mortgage and " that '' is the money that is being disputed. If you look at the documents that I have already submitted you will see that my servicer has that same money documented as " deferred fees ''. However, I did n't notice this until after my response had already been submitted. My case number is XXXX

Company response to consumer: Closed with explanation