milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Other fee

Complaint: Hello, I am a Bank of America credit card holder. I noticed there was a foreign transaction fee any time a charge was processed in XXXX $ but outside of the XXXX. For instance, I had to cancel my XXXX subscription as this company has its headquarter in XXXX and process charges from there. I was charged a certain amount for every transaction from XXXX. 

What I find unfair is that there is no way for the consumer to know where a company 's headquarter is located. I would understand the legitimacy of such a charge if the transaction were to be done in a foreign currency but not in XXXX!!! I used to live in XXXX and would not get charged a conversion fee anytime a foreign vendor would process the transaction in XXXX XXXX 

I 've contacted Bank of America and was told there was no way for me to know where the transaction would be processed from.

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 03-01-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Problems caused by my funds being low

Complaint: I have been with wellsfargo for over 6 yrs. I have notice and call about my account as well as going into the bank about my checking account. Every month it seems like money is missing .and my online account changes daily.Even when I 'm not using my card or taking out my from account. when I question them about this, they say its not them. Its me. I do know how to kept on with my accounts.I had banks account for over 40 yrs. Also I have notice that wells fargo checks my credit without permission .For 1 loan they ran it 3 times in 10 days.I have contact them about this as well and I get told that they r investigating it. and I would hear from them on XX/XX/XXXX. Instead a receive a letter telling me that its going to take more time. Three times as changed the dates on this problem. I believe that I have at account that I 'm not aware of. Befor I use my card, I check balance to be sure.and they could be a wk between uses the card, yet when i go back on my account the amount is different with no charges pending.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I bought a phone contract with XXXX online, where I was told My service would include " international calling '' specifically, calls to the XXXX where my wife resides. I ask the agent specifically about this. I went to the local XXXX store and activated the phone I had received. A few days later my service was discontinued. I contacted the local store and they said I had to return the phone, because my credit was not good enough for the contract they had sold me online. I returned the phone and was refunded my payment. Then they sent me a bill two months later saying I owed them {$430.00} for the few days I had used the phone and for long distance calls. 
I contacted XXXX and explained how their agent expressly told me calls to the XXXX were " covered '' under my plan. However, after review they said my " international '' coverage was only for XXXX and XXXX. After my refusal to pay this ridicules amount they have turned the " debt '' over to a collection agency and even lied saying I had already made a payment, which I had ( my original payment online ) but that amount was refunded to me. They are the ones who terminated our contract without notice and I will not pay them because of their breach and lies about coverage.

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 06-02-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: *THIS IS NOT A DUPLICATE* I believe that my mortgage account is being serviced as an adjustable rate mortgage instead of a fixed rate mortgage. My amortization schedule is a " Step Rate Loan Amortization '' which is a type of adjustable loan. My billing statements are inconsistent as to what is stated to pay and what is actually paid. The company acknowledges adjustments taking place in the account. The company sends documents and letters that do not accurately represent my account.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XX/XX/2015 I noticed a public record account of a property tax lien on my credit report. It was a tax lien from XXXX County Superior Court in Georgia for the amount of {$1100.00}. It was listed with the Transunion company. This is the only Credit Reporting Agency that had this listed. 
This tax lien was not mine. I have never been to XXXX County, never lived there, never owned property there. Over the past year, I have filed XXXX disputes trying to have this removed. I have asked for verification of their information. They could not provide this. I have asked for their method of verification. They did not supply that to me. I have gave them a name and phone # from the XXXX County clerk of courts office of someone they could talk to about this. They did not call them. I have sent them a copy of the index listing of tax liens in XXXX County for the date listed on the lien. This came directly from the clerk 's office where tax liens are filed. It was proof that it was not there. They said I was being frivilous. I did one of the disputes on line. The rest I either typed or hand wrote. I had several of them mailed by certified letter and notarized. It did not help. I recently got my last rejection letter about this dispute. They changed the amount from {$1100.00} to {$150.00}. It 's like they do not get what I am trying to tell them. Changing the amount is not going to make it right, it is still not my tax lien. I went through XXXX disputes about this, and on the tenth all they changed was the amount. I have talked to XXXX different people at Transunion, with several of them being managers. Please help me get this removed from my credit report. I do not know what else to do. I have informed them that they are breaking several laws by not fixing their error. That did not help. I am uploading copied of the credit report. One showing it before they changed it, and one showing after they changed 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 non-monetary relief
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I ORDERED AND PAID FOR AN EQUIFAX ACCOUNT AND I STILL AM NOT GIVEN A LOGIN TO VIEW MY CREDIT. I FAXED OVER THE INFO THEY NEEDED BUT AM STILL NOT ABLE TO ACCESS MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have reported to the credit bureaus, ARS and this is my second complaint through Consumer Financial Protection Bureau. 

ARS refuses to validate the debt they say I owe. According to section 809. ( B ) of the Fair Debt Collection Practices act. 

They never send any copies of proof of this debt or how it is mine. ARS continues to send me a letter with amounts and dates with no judgement, contract or physical proof of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Account Control Services, Inc (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have already paid this debt in full but XXXX XXXX still have on my XXXX has not notified them that it has been fully paid with interest so it is troubling that I in good faith paid it up but they have not do their part. I notified them but thinking about a legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: i have contacted navient via email to XXXX XXXX XXXX and requested that all dispute remarks be deleted my credit reports ( they have been deleted to date ) and ive pointed out that i received a letter from navient stating that the statute of limitations has expired and XXXX now owns the accounts. yet the credit bureaus have navient reporting ( charge of profit and loss ) with a past due account reported monthly. does this follow FCRA or are they reaging the accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (MI).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: This account showed up on my credit report without my knowledge of this company and amount due to XXXX. This has been resolved as I have worked with credit company, XXXX. XXXX did the research and reached out to the company and was able to resolve the issue. XXXX removed this debt from my credit report. It was n't until I went to purchase a home that I found out about this debt that was resubmitted by another company again after I was told it was resolved and removed and the debt was no longer due. It is frustrating that the resolved debt is back on my credit report. I have never received any communication from XXXX or lvnv funding regarding this debt before it was resolved. Now that it is bank on my credit report I still have not had any communication on this, probably it was n't supposed to be on my credit report anyway and I did n't owe XXXX anything.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Mortgage (Conventional home mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Struggling to pay mortgage

Complaint: My Modification Agreement was completed XX/XX/XXXX, over one year ago, but the lis pendens against my house was never removed. When I called HSBC Bank about lifting the lis pendens they told me that they have no information in their computers because they sold it to XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX I called and spoke to XXXX representative XXXX, a very pleasant and respectful individual. XXXX confirmed that the modification agreement was complete in XXXX of XXXX, and that all payments have been received in accordance with the modification to date. I informed XXXX that according to the New York Department of Financial Services ( DFS ), the lis pendens must be lifted within 90 days of finalizing a modification settlement, which is now more than a year overdue, and that I want the lis pendens lifted immediately. XXXX said that he, and his Supervisor would take care of it. I followed up with a letter to XXXX ( copy attached ), dated XX/XX/XXXX, and they sent me a response dated XX/XX/XXXX that even though the foreclosure part of my Court case is over, HSBC will not remove the lis pendens against my home unless I drop my countersuit. I have attached the two letters, and DFS press release information. I do not think the DFS intended for lis pendens to be used as blackmail against homeowners by putting a public lien on their home for all the world to see. I need the lis pendens release according to DFS consumer rights press release.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I had a Bank of America card for a year and I made my payments on time without being late and I was supposed to get my  XXXX  deposit back after 12 months of good payments and I was denied twice in the past and I had a inquiry for that I got a letter from Bank of Americ a saying I w as denied because I had a past credit card that I did n't open up back in   XXXX   which I did n't open up I was  XXXX  at the time and did n't had no credit at all the bank found out there is no fraud so I was responsible for that card I feel like Bank of Americ a is lyi ng to me and m y credit score i s  XXXX  and they wo n't give me my  XXXX  back to me

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 03-10-2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (VA).
Issue: Problems when you are unable to pay

Complaint: My XXXX Prius was repossessed more than 6 weeks ago. I telephoned Toyota Financial Services ( TFS ) for guidance. I was told to wait for their letter. The letter came about a week later, and I read it. In accordance with that letter, I sent a check for the payoff amount ( {$2500.00} ). The check was sent " return receipt requested. '' I received the return receipt indicating that on XXXX XXXX, a TFS employee ( " XXXX ) in XXXX XXXX, Iowa signed for the check. 
Nothing happened. I telephoned TFS at a their phone bank in Arizona, as directed in the letter, and inquired repeatedly about my vehicle. Each phone call requires anywhere from 22-42 minutes of waiting time. Each person who answered the phone could not tell me what the status of the check was or the status of the Prius. Indeed, I was advised that I had to find out what TFS in Iowa was doing with the check. ( I 'm in DC and not associated in any way with TFS. ) I telephoned a Toyota dealership near where I live ( XXXX Toyota in XXXX ), and asked for their assistance. I was told to send a cashier 's check and that was all that was needed. 
Just before going to get a cashier 's check, I checked my bank account. The check sent to Iowa was finally processed. At the time the check was processed, three weeks had elapsed. 
At this time, I can not get TFS to release the car. Indeed, I can not get anyone to tell me what the status is of my car. AND in the interim, I am told that the repossession company who took the car is charging me a daily fee plus towing fees, and other fees. 
I am XXXX years old. I am relying on friends and neighbors while trying to get my Prus back. At this time, however, I have no belief that I will get my car back. 
Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid my collection to XXXX XXXX for the amount of {$180.00} and they told that already udpdate my credit to all the credit bureaus XXXX, XXXX, TUC but all XXXX agencies they still show in collection not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Trans Union continues to report unverified information and they refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Trans Union is in violation of this law.

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 08-01-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I became suddenly ill in 2013 and had to go on long term XXXX. My salary was cut in half but I managed to pay my mortgage on time every month until the long term XXXX just stopped paying me. I had to appeal the XXXX while also waiting for an answer from Social Security. At this point I became two months behind. I was honest enough to call Nationstar right away and tell them what was happening to me. I was eventually turned over to a FORECLOSURE PREVENTION SPECIALIST. How ironic is that title. I won my long term XXXX appeal and have also been approved for social security so I have been able to make XXXX payments, but I am still XXXX behind. I filled out a application to modify my loan on the basis of medical hardship. It was denied pretty quickly. Explanation was I did not qualify ... ..that 's all the " specialist '' could tell me. She did say I could fold in the XXXX late payments to my already {$940.00} a month payment and add extra to it. So I qualify to make extra payments on half of my salary but I do n't qualify to lower my payment. These are crooked people, they do not take your hardship and decrease in salary into account. The problem for me is I am under water, I can not sell my home for what I owe on it, and the payment is too high for my decrease in salary. I need help. But when it comes down to being XXXX, I do not qualify. I have owned my home for nine yrs. They are unwilling to budge because frankly they are making a killing off my payments. I want to add that I asked my " specialist '' if they would consider waiving the penalties and interest and remove the credit ding that this has caused, and that was a also a big NOPE. If I had deliberately caused these things to happen, I would understand. I think this is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I currently have an initial fraud alert on my file with all XXXX bureaus. TransUnion even sent me a confirmation notice that this initial fraud alert was issued as of XXXX/XXXX/2015 and would remain for 90 days. I attempted to receive my FREE copy of my credit report under FEDERAL law with TransUnion on their website. I followed the correct prompts regarding my reason - fraud alert - and was promptly told to pay {$8.00} because I live in California. My request is not a just-because that would qualify for a fee charge ; this is in conjunction with my initial fraud alert! I am illegally being redirected by TransUnion to pay for a free report I am entitled to based on FEDERAL law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (FL).
Issue: Struggling to pay mortgage

Complaint: My name is XXXX XXXX XXXX. I became XXXX XXXX in XXXX 2015. I am a XXXX and could no longer work on my feet. I took a XXXX job from home and a {$100000.00} cut in pay. I notified Freedom Mortgage and asked them if I could to a deed in lieu of foreclosure. They did not even suggest any way to help me. They just kept asking for paperwork to prove I was not making the income as before. They told me there was a lien on the property, we called about it and could not locate one.  Based on the untruth that there was a lien, they denied the deed in lieu of foreclosure. They went ahead and foreclosed. The thing is, that property sat there vacant for over a YEAR. By the time the auction went through, the house was worth MORE than they sold it for! They are not there to help the veterans at all. If they would have worked with me, I could have sold that house for MORE than what was due. Now, they are sending ME bills, with added late fees every month, for attorney fees ( which they could have avoided ). I am requesting this be made right by taking the foreclosure off my credit report. Once all the information comes to light, you will see that this request is fair and reasonable. Thank you in advance for your assistance in this matter. Sincerely, 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 06/20/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On XXXX XXXX, 2017, I received an email stating the following : We recently sent you a letter to let you know your forbearance, deferment, or six-month grace period would end soon, and that your accrued interest would be capitalized ( added to your principal balance ). Now that the payment delay period has ended, we want you to know the total amount added to your principal balance was {$3000.00}. I never requested a forbearance or deferment. I have made my regular payments of {$340.00}. The email also stated that my new regular payment would be {$1000.00}, due XXXX XXXX, 2017. However, the automated phone system stated that my new monthly payment is {$710.00}, also due XXXX XXXX, 2017. I called and spoke to a representative and stated that my income-based repayment application was 3 days late causing the changes. I have had an issue with Nelnet every year when it come to renewing my income-based repayment. I work for a XXXX XXXX XXXX in XXXX. I need help with this issue as soon as possible. I had to take a deferment for the month of XXXX because of this issue, of course that means more interests and more debt, while the company figures out my new income-driven repayment.

Company response to consumer: Closed with explanation