milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/21/2017 about Credit card () with Atlanticus Services Corporation (OH).
Issue: Delinquent account

Complaint: I took out a credit card with Action Card a few years ago. Unfortunately, due to unemployment I fell on hard times and am unable to pay the bill of {$1000.00} until I 'm gainfully employed. I have been receiving several harassing calls from a  XXXX   XXXX   XXXX . This credit card is in my name only and this  XXXX   XXXX  somehow got a hold of my wife 's cell phone and now she is harassing my wife. My wife did not co-sign on this account nor was she ever a user. I 've asked   XXXX   XXXX   to stop calling my wife and she stated that she is a lawyer and that she can call anyone in my household. I also told   XXXX   XXXX   that I am unemployed and that as soon as I am employed again that I will make payment arrangements.  XXXX   XXXX  stated that unless I am living on  the street that she will do everything and anything to collect from me. I feel that she is being overly aggressive. I understand that bankruptcy might be an option but that will hinder our employability so we are trying to handle this as best as we can. Please help.

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 03/27/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (OH).
Issue: Fraud or scam

Complaint: I ordered an XXXX Watch online from an online from pay pal and I was supposed to get my watch on XX/XX/2017 and have n't heard anything since I made athe XXXX Note to XXXX You have n't sent a note. 
Shipping address - confirmed XXXX XXXX XXXX, OH XXXX United States Total {$99.00} USD Charge will appear on your credit card statement as PAYPAL XXXX Payment sent to XXXX Receipt Sender XXXX XXXX Recipient XXXX XXXX Funds will be available to your recipient on or before : XX/XX/2017 Note : Currently, there are limits to how much the recipient can send, spend or withdraw. To access the full amount on this date, the recipient can link a bank or card. 
Description Amount Payment amount ( in currency funded ) : {$99.00} USD Your total charge : {$99.00} USD Payment amount : {$99.00} USD XXXX fees : {$4.00} USD XXXX will receive : {$95.00} USD Need to cancel? 
You have the right to cancel for a full refund unless your designated recipient has already received the payment. However, since most PayPal payments are received within seconds, you ma

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Trouble during payment process

Complaint: I received my XXXX XXXX, XXXX Bank of America Home Loan Account Information Statement and it is wrong. Bank of America is saying that I must pay {$980.00} which includes my Ground Lease Rent Payments, but there is an overage of {$54.00}. At no time did I request for insurance to cover this loan. 
Please see below for my own calculation : Mortgage is {$670.00} which includes escrow. 
Ground Lease Rent Payment is {$760.00} each quarter. This is {$250.00} per month. Again, I pay {$760.00} each quarter. 
Total to include Mortgage and Ground Lease Rent is {$930.00} Bank of America is charging me an illegal overage of {$54.00} Please correct this problem. 
Just getting a response from them that is incorrect, wrong, will not correct this problem. It will just let Bank of American continue to do what ever they want with their customers. 
We need corrective action from the CFPB.

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 02/25/2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I paid my house off. Identity thieves forcefully stole it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We rented an apartment from the XXXX ( located XXXX, OK XXXX ) from XXXX XXXX to XXXX XXXX. The lease converted to a month to month agreement. In XXXX XXXX, we ended our lease after finding a larger place for our family. Over time, we decided to review our credit reports in hopes to find a home. We noticed a collection agency ( called NCC Business Services ) claiming we owed a debt of {$900.00} under a joint account. XXXX of XXXX we contacted the XXXX and spoke to an agent named XXXX who verified a cleaning fee was due in the amount of {$780.00}. I asked why documentation was never mailed to us giving us an opportunity to pay on the bill and the breakdown of the cleaning fees. The agent claims she did not work at the apartment complex during the time of the ending of our lease and was unable to provide proof of the breakdown of charges. She advised she would forward the information to corporate and will have them send the breakdown of charges to our current address ( the same forwarding address left on file ). To this date we have yet to receive any documentation from the corporate office or a phone number where they can be reached. The collection agency still shows this entry as being an active open account on our credit reports which we feel is quite unfair since we 've never been informed a bill was owed in the first place. We feel since the apartment complex, their corporate office, or the collection agency are unable to provide any documented proof of these charges, we would request this debt be removed from our reports asap.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been unemployed/underemployed for a significant period of time. I have tried on more than one occasion to do a modification through Wells Fargo Bank. On the three occasions I tried to do the modification I was stonewalled, given incorrect information and my file languished for so long twice that it had gone stale. Every time I have tried to do my modification, it appears that Wells Fargo has done all it can to prevent the modification being concluded. I am making a true attempt for find a job, and have enough steady income to be able to complete another application for a modification. I am also going to go through XXXX and Florida 's Hardest Hit. They had previously assisted me when I was on unemployment, but that has ended.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Late fee

Complaint: In XXXX XXXX, I closed my BILL ME LATER account. 
I made a purchase in XXXX XXXX for {$12.00}. This was somehow charged to PAYPAL CREDIT not my PayPal.com account. 
The {$12.00} charge grew to {$27.00} in late charges, because I did n't know I had a PAYPAL CREDIT account. I suppose it was because I CLOSED THAT ACOUNT SIX YEARS AGO! 
I was able to speak to someone at the PAYPAL CREDIT company, waived the FEES and pay the principle. I CLOSED THE ACCOUNT AGAIN. Fingers crossed this time it sticks. 
Recently PAYPAL was fined and ordered to improve its disclosures for PayPal Credit. They clearly have not done so. 

Regards, XXXX XXXX XXXX XXXX, California XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I filed a dispute with XXXX XXXX XXXX XXXX. file complaint after complaint with no reply. They turn the account over to Portfolio recovery Associates and they never responded to my letter to them as to the account was in dispute and I wrote them 4 times to put this account in dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Customer service / Customer relations

Complaint: A credit card I had not requested supplied incorrect address to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I applied for a ge/care credit card to pay for my son XXXX. At the time I applied I was told interest would not be added to this account during the promotional period which would have allowed me to pay the entire balance off as long as I made my minimum payments ( just as I did before ). Before the promotional period was over ge capital retail bank/care credit added an estimated {$1000.00} of interest to this account. I was shocked and stunned when they sent me a statement with this interest dade I then called and spoke to several reps. Trying to resolve the matter they felt it was not right but they could not take the interest off so I therefore attempted to make several more payments until I could not anymore. I knew this was not right and at the time I did not know who to turn to for help about the matter who governed this type of misrepresentation and or fraud from credit card companies. They added interest and will not accurately report to the credit bureau they have me owing XXXX of dollars in which I was almost done paying them until they pulled they stunt and they continued adding interest every month thereafter after the lump sum amount of an estimated {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Money transfers (International money transfer) with WELLS FARGO & COMPANY (AZ).
Issue: Other transaction issues

Complaint: On XXXX XXXX, 2016 my husband went to Wells Fargo to send a wire transfer to XXXX XXXX in XXXX XXXX. Wells Fargo sent the wire wrong and the funds were never received by XXXX XXXX. On Monday XXXX XXXX, I went to Wells Fargo to find out what happened and why did XXXX XXXX not receive the money. It was discovered that the banker had used the wrong XXXX number. I was told that the funds would be recalled and sent to the right place and this would happen within 48 hours, 3 days worst case which would have been Thursday XXXX XXXX. I specifically asked what would happen if Wells Fargo could not get the money back. I was told that Wells Fargo would send the money and take it as a loss. On Friday, XXXX XXXX the funds had still not been received, so my husband went back to Wells Fargo. They told him that they would put the money back in our account next week and we would have to resend the wire, completely disregarding what they initially said they would do to correct the problem. I told the company in XXXX that they would have the money by Thursday XXXX XXXX, because Wells Fargo promised that it would be no later than that. Today Monday XXXX XXXX, I went back to Wells Fargo and explained that waiting for them to put the money back in my account is not acceptable when they already promised XXXX XXXX would have the funds by Thursday the XXXX. They told me that they escalated, but there was n't anything else they could do. That we would have to wait for them to get the money back and once they have the money back, they would put it back into our account. So I asked again, what happens if Wells Fargo could not get the money back, again I was told that they would take it as a loss. So I asked why they could n't just wire the money as promised, and Wells Fargo do the waiting for the money back? They said they could n't do that. What are my rights? Wells Fargo charged me {$45.00} to wire the money and charged us more than the exchange rate for converting to XXXX. How is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Loan modification,collection,foreclosure

Complaint: We contacted you on XXXX/XXXX/XXXX with concerns with Bank of America not willing to work with us and we were assigned complaint # XXXX. We were contacted by XXXX XXXX with BOA on XXXX/XXXX/XXXX to say he would be getting back with us within 1 week. We did get a call back on XXXX/XXXX/XXXX to say they still needed more time. I also called XXXX on XXXX/XXXX/XXXX to let him know our closing date is being moved up to XXXX/XXXX/XXXX so we need the payoff right away. We were trying to be understanding but we really do n't understand why it would take this long to give us a payoff without the late payments and back interest. We also requested to have the late payments removed from our credit with the payoff so that we will be able to purchase another home. 
I could not believe the doorbell rang and it was a certified letter from a foreclosure attorney representing Bank of America and the letter was dated XXXX/XXXX/XXXX, We 're attaching a copy for your review. This is definitely another indication of the way BOA treat their customers because while XXXX is on the phone telling me they need more time we get served these papers so what is the more time for. As we stated in our initial request BOA had no intention of helping us when I first contacted them XX/XX/XXXX because the first thing we requested was an extension on the balloon payment to give us a change to sell the house and we were told no. Now that the file is with an assigned foreclosure attorney this is damaging our credit even further and keeping us from home ownership. This more time is an excuse and we are scheduled to close on the sale of the home on XXXX/XXXX/XXXX, so we really do n't have more time we really need help now from someone who cares

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 10-08-2015 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: We have reviewed the Fay Servicing response and my wife & I - plus our family adviser have found the answer Unacceptable. Again, for the better portion of a Year, Fay ( individuals named additionally-emails retained for examination ) Maintained continually, that the derogatory comment would Not, repeat-NOT affect our Credit Rating. Basically they said " Fu-get-about-it ''. From last spring, we have written documentation that in fact It Did impact and Prevent our family from obtaining a home improvement loan. Our conversations with Fay Servicing concerning this matter have altogether been Unsatisfactory 'at the minimum '. They do not seem to grasp the number or substance of proof we retain proving our side of the dispute. Further can be documented.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 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: I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 03/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Last four of social security number : XXXX ... ... Both creditors XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX  have requested their tradelines be removed from my credit report, due to the accounts being established fraudulently. However, you are still reporting the negative fraudulent information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NE).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent certified mail on XXXX XXXX, 2015 a letter requesting Portfolio Recovery Associates , LLC to send me the original documentation on a debt they are trying to collect. They were unable to provide me with the requested information. They sent me a letter stating that they reviewed their records and they deny their records are inaccurate with out sending me the original documents which I requested them to and am entitled to under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Settlement process and costs

Complaint: " Acknowledgment-receipt of inquire Plan language? 
XXXX XXXX, 2016 & XXXX XXXX, 2016 XXXX XXXX Senior vice President Wells Fargo Home Lending? 

Idenity theft? 
No contract? 
if cross selling, it as not authorized by me? 
Media Suspension for 1 Year? I cant tell? I am not satisfied? 
They continue to write? 

Fine print on bottom of correspondence? Wells Fargo Bank NA NMLSR SAFE Act? 

Spells my name XXXX 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 08/30/2015 about Credit card () with JPMORGAN CHASE & CO. (IN).
Issue: Customer service / Customer relations

Complaint: My husband and I have a credit card through Chase. On XXXX/XXXX/15 I set up an automatic payment of the balance due each month through Chase 's website. I received confirmation that Auto Pay was set up from the XXXX/XXXX/15 bill going forward. I then received a phone call from Chase saying that my bill was overdue and unpaid on XXXX/XXXX/15. After speaking with customer service, I discovered that my payment did not go through for some reason, although Chase could n't explain why. I made a payment through Chase 's website on the same day and corrected the banking information they had for the next auto pay. When I received my next bill, it said in bold letters " Auto Pay is ON. '' I called Chase Customer Service on XXXX/XXXX/15 and they confirmed that Auto Pay was on. I therefore did not schedule a payment through my bank for the next bill cycle due XXXX/XXXX/15. On XXXX/XXXX/15, Chase Customer Service called my home and told my husband the bill had n't been paid, said he " was a deadbeat '' and " had obligations. '' This same day, I called Customer Service back and they told me that Auto Pay was NOT on, and had been deleted on XXXX/XXXX/15, although Chase did not avail itself of any of our contact information to inform us of this. Chase refused to credit the {$25.00} late fee, so my husband cancelled the card and I scheduled a payment of the full balance due through my bank. I am requesting a refund of the {$25.00} late fee since this was an error that I thought was previously resolved. Chase 's collections department should not be calling customers " deadbeats '' when they have been paying their bill IN FULL, every month for years until trying to use their ridiculous auto pay service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/14/2017 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Brand new mortgage, first payment due XX/XX/2016. Payments are {$1100.00} a month. Made two {$600.00} payments in XXXX, none of which was applied to the XX/XX/XXXX payment despite the fact that both payments were made before the XX/XX/XXXX due date. Made inquiry and request to have the payments from XX/XX/XXXX applied, which they did. Was informed that they " do n't accept partial payments because their systems ca n't handle it ''. I was also told that if I make partial payments, they will likely not get applied to my account. I have received nothing from the servicing company, ever, much less anything stating this policy. My financier 's statement clearly states that partials will be held in a suspense account until enough is paid to cover a full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Mortgage (Conventional fixed mortgage) with MOVEMENT MORTGAGE LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I filed a complaint some time back when my loan was sold back to Movement Mortgage. When it was transferred back I never received a payment book or a monthly statement. After contacting them they sent me an email with only my payment amount and due date. They also stated that my loan was in the process of being sold and they needed a month or so to get it transferred. At this time I closed the complaint thinking it would be transferred. 5 months went by and still my loan was not transferred. I contacted them once again and again they said it was in the process. Finally, We just refinanced to get out from under them. This company has cost us a lot of money. Now here we are at tax time and I have not received my XXXX. I am not surprised. Still to this day I have never received anything with any details.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquiries on my consumer credit report. In direct violation of fdcpa, fcra, state and federal laws.

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 03/16/2016 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicer, Rushmore Loan Management Services, did not pay my property taxes. I sent them the bill multiple times, contacted them by phone and mail. They promised to investigate but the taxes are still overdue. There is more than enough money in the escrow to pay the taxes but they have not done anything. I do n't know how to handle this. 
The tax bill is already overdue with assessed penalties and could go to collection.

Company response to consumer: Closed with explanation