milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/16/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: A couple of months ago, while trying to get in touch with customer service at Bank of America, I was transferred to another department who told me out of the blue that I owe a {$290.00} appraisal fee from 2009. As a result of XXXX due to XXXX in the military, my income decreased substantially and foreclosure proceedings were started on my property. When I received back-pay from the XXXX XXXX that was owed to me, I pulled the house out of foreclosure and I 've never had a late payment since then. I did n't know an appraisal was done in 2009 or that I 've owed Bank of America {$290.00} since 2009. XXXX XXXX refused to waive the fee and after I asked to speak to a supervisor she put me thru to XXXX XXXX ( or XXXX ) voicemail. I left multiple messages and he never returned my calls. I called Bank of America 's customer service number multiple times, and sent multiple messages to them via their website, and they continue to refuse to waive the fee. One phone representative said, " Why should we waive the fee when you 're the one who did n't pay your mortgage? '' I asked them how they could 've done an appraisal back in 2009 without access to the interior of my property, and they said the appraiser walked around the outside of the house. So, I was charged {$290.00} for an appraiser to walk around the outside of my house? I never gave permission for an appraiser to be on my property, I do n't think a 2 minute walk around my house meets the definition of an " appraisal, '' and it definitely is n't worth {$290.00}. This fee is also attached to the HELOC for some unknown reason instead of the XXXX mortgage. I 'd like Bank of America to waive this fee.

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 05/16/2017 about Debt collection (Other debt) with U.S. BANCORP (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On  XXXX   XXXX  I received a SIF offer letter where at the bottom it said I could dispute debt. I disputed the debt and the very next day I received a threatening call.  XXXX   XXXX  just called me at  XXXX  on  XXXX  the  XXXX . The day after I disputed to debt. He threatened to add this collection to my credit report. He told me that I had to prove this debt was n't mine and proceeded to tell me that he had been in the collection business for 7 years and 100 % of the time the person says they do n't recognize the debt. I told him because you are the collection agency you need to provide proof that this debt is mine. I went  to US ban k and they said there was no debt. As the creditor it is your responsibility to send verification of debt when I ask for 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 10/29/2016 about Debt collection (I do not know) with Pinnacle Asset Management, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Debt collector going by the name of XXXX XXXX XXXX XXXX, keeps calling my family members and leaving threatening voicemails. Their threatening voicemails include statements like " We are trying to locate him, and if he does not call us back we will take legal action. '' They leave threatening voicemails on relative phones in order to try and scare me into calling them. 

I have no idea who this " debt collector '' is, nor do they identify themselves as a debt collector which is a flagrant violation of the Fair Debt Collections Practices Act. Their threats are also a violation of the Fair Debt Collections Practices Act. 

I do n't want any further communication from this " debt collector ''.

Company response to consumer: Untimely response
Consumer complaint received 04/28/2017 about Debt collection (Credit card debt) with Messerli & Kramer P.A. (MN).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Messerli & Kra  mer A ttorney at Law  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MN  XXXX  The company dropped of a summons with all my personal information exposed in an attempt to collect a 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 02/16/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: My home can be saved. Please help me. I make enough money now to afford a modified mortgage that rolls in the payments that I am behind on if it puts the interest rate at the prevailing rate for a 40 year term. 
I applied to Wells Fargo for a mortgage modification in on XXXX XXXX, 2015. After they received my application they sold my mortgage to a new investor and to a new servicer, XXXX XXXX XXXX. The loan was sold on XXXX/XXXX/15. They sold my loan to XXXX so that XXXX could foreclose on my house. XXXX is notorious for denying modifications and speeding through the foreclosure process. Despite the fact that my mortgage was being reviewed for a modification they sold my mortgage to XXXX who immediately began foreclosure proceedings. After my mortgage was sold to XXXX I received a HAMP denial letter from Wells Fargo stating that my loan was denied for several reasons that were inaccurate. Their waterfall analysis did not follow the proper procedures in the HAMP guidelines and there were errors. I received a letter from Wells Fargo saying that my loan modification was denied because Wells Fargo was unable to create an affordable mortgage payment. I make sufficient income for a modification. XXXX XXXX had told me that my modification application would be sent to XXXX, yet XXXX claimed that they never received it. My denial letters from Wells Fargo were mysteriously dated XXXX/XXXX/15 the same day that my loan was transferred to XXXX. This fact tells me that they did not actually review my application but just fabricated reasons for the denial. I allege that they did this because they wanted to sell my mortgage to XXXX for the following reasons : They wanted to sell my mortgage to XXXX so that they could foreclose ; and XXXX does not want to buy loans that are still eligible to be modified because they make money buying mortgages at a discount and then foreclosing on the homes. I wrote to Wells Fargo to ask for details of my denial and to appeal my denial. I never heard back. If Wells Fargo and XXXX want the benefits associated with participating in the government programs and they do participate in the government programs then is n't it my right to appeal the denial? If my application is denied with Wells Fargo then I need to know the accurate reason for my denial. I would also like to know which modification programs I was reviewed for and the calculations that determined that I would be denied. I have attached the denial letter that Wells Fargo sent me and my appeal to this email. I faxed my appeal in and emailed XXXX XXXX who was the person at Wells Fargo assigned to my account.

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 05-03-2017 about Debt collection (Credit card debt) with Convergent Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hello, I received a letter in the mail from  Convergent Outsourcing Inc  stating I owed "   XXXX   XXXX   XXXX   XXXX   XXXX   money from a   XXXX   XXXX   account that is not even mine. They stated the amount that I owed was {$1100.00}, however when I called  XXXX   XXXX  on this with the account they stated the amount owed was {$850.00} and it was opened in  XXXX . It was then sold to a debt collector in  XXXX . Which makes this debt illegal to even collect on according to the fair credit reporting act. They are doing illegal practices trying to collect debt that is not even mine and violating the fair credit reporting act by trying to collect old debt.      Regards,   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 03/16/2016 about Debt collection (Mortgage) with BOK FINANCIAL CORP (MO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: During my attempt to bring my loan current and prevent the amount to do so getting higher than that of the already difficult past due balance I asked a real estate broker for clarification on the information being provided by the servicer of my loan. The broker and I called a representative from BOKF na loss midigation dept that I have been actively working with but I could n't get the same answers to any of the questions that I needed to get answered in order to help save my home. During this conversation the broker started to make statements I was not comfortable with so I asked her to drop off the line and I did not want her help. After the conversation the broker called me and told me her and XXXX XXXX discussed my situation on a separate phone call, I was not present and did not authorize the broker to speak on my behalf or make any Arrangements with XXXX XXXX. I wanted answers to questions ... where do I make my payment, is it okay if I make my payment at the bank or something else that is the surest way to make the payment and be successful. 
By this time I had already attempted to make several payments to bring my loan current but in the end when it came down to making that payment somehow the information I was given was incorrect and delayed the payment. When I missed those payments it made my past due balance another month behind which added another {$850.00} to bring my loan current. It is hard for someone who is not working to come up with large amounts of money in a short period of time not to mention the additional payment which makes it even more difficult to come up with in order to bring my loan current. I do n't understand why someone could n't just tell me the place to make my payment the first time that I needed to make the past due payment. Once my payment was rejected because it was n't the full past due balance after that the other two payments we 're in for the past due amount. If I could n't make my payment the regular way because I was in default why did I not get another option for when I tried to bring my loan current where does the payment go that could have avoided my payment being rejected when I call 24 Hour banking service the man told me that I no longer have that privilege when I spoke with the underwriter who did my loan XXXX why did she tell me that I could make my payment that way after I told her my loan is in default and it is past due. All I wanted to do was bring my loan current and give them money but I could n't because I was not informed of who or where to make these payments that would end successfully with my payment in the hands of the bank. If the loan originator of the bank text messages XXXX XXXX with XXXX and then XXXX has a conversation with the real estate broker without my knowledge without me being on the phone the broker tells me that they just had a conversation about 5 minutes ago that I was not a part of that is not okay

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit reporting () with LEXISNEXIS (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have sent LexisNexis every piece of information ( XXXX pages ) since 2013 to block and freeze my REPORTS! I was recently married as a result of the XXXX Courts historic ruling in XXXX XXXX XXXX and my last name changed. As a result they use that as a separate person despite sharing everything else! This is egregious as a victim of identity theft to have them do this type of bait and switch. Is it only against XXXX and XXXX individuals? Some animus toward us? Its the same social security number and address and there for the information should not be accessible to anyone! I repeat i have more then enough evidence that I sent them in XXXX to warrant the blocking of my information. Yet they get around because of a last name change of marital status. This is discriminatory

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Commonwealth Financial Systems, Incorporated XXXX XXXX XXXX XXXX, XXXX XXXX, PA they are a fraud company that needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Charged fees or interest you didn't expect

Complaint: I paid down my home equity line of credit to XXXX. Then i was charged a {$400.00} fee. I called the Bank of America customer support line 7 times and was unable to reach an associate 6 times. On the XX/XX/XXXX try I  reached XXXX in the XXXX call center, who is a HELOC specialist, and was told this was a lien against my account. I was also told that I would continue to be charged interest on this balance until XX/XX/XXXX even though I had n't borrowed any money. I was also told that even if my balance were XXXX I would continue to be charged interest because " that is the way variable rates work. '' I tried calling the branch ( at XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) where I took out the home equity loan because that was not the way the HELOC was sold to me. I called 10 times and the phone rang with no one to pick it up. Finally I drove into the branch to talk to someone. While I was at the branch I called the phone line to see why no staff were picking up and witnessed bank staff ignoring the ringing phone. When I ultimately spoke to someone, I was told they would take care of things for me. The bank manager and a staff member named XXXX said they would call the following Monday and then call me back. Apparently that never happened. I have tried calling several times since then and ca n't reach anyone to understand what was done.

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 09/16/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: Target card # XXXX XXXX XXXX XXXX I was laid off work so fell behind on payments ... Do not receive monthly statements but u suppose they could send notices when you fall behind ... 
Even trying to log on online I was denied cause account is no longer with them.. Its collections now.. Collection agency has not send any notice by mail either..

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
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: XXXX  -  XXXX  Tried to get late payment off of  TransuUnion  credit reports record because this account has been closed as a charged off for years and I am not liable.

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 08-02-2017 about Checking or savings account (Other banking product or service) with PNC Bank N.A. ().
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: In XX/XX/XXXX I opened checking account with PNC bank when I started to work in the US ( XXXX, PA ). When I left the US I asked bank for international use of debit card. In XX/XX/XXXX PNC bank issued new card valid till XX/XX/XXXX. In XX/XX/XXXX I moved to XXXX ( I am XXXX citizen ). But on the XX/XX/XXXX of XX/XX/XXXX, I received letter from PNC, that my account closed on XX/XX/XXXX without explaining the reason. My debit card was blocked also without explaining the reason. I send letter through secure online banking message center, but only on XX/XX/XXXX I received letter with cashier 's check for the balance of XXXX XXXX. My bank in XXXX refused to deposit cashier 's paper check on my account and recommended me to use electronic transfer saying that this is usual internetional banking practice. I tried to find other bank or company in XXXX to cash out the PNC check, but nobody here accept paper check any more, in the era of smartphones and electronic transfers. My XXXX XXXX expired and I can not go to US to collect the money ( almost all my saving, I am adult and money for medicine ). On XX/XX/XXXX I sent complaint to PNC bank to inform the bank about impossibility to deposit check in XXXX and asked to annul the check and remit money via XXXX electronic transfer or through online banking or through my debit card to my account in XXXX ( complaint Reference Number XXXX ). But on XX/XX/XXXX PNC bank refused XXXX trasfer and refused to accept the return of the check, cynically apologizing for inconvenience for preventing me from the access to my money. As a result, from XX/XX/XXXX I have no access to my money that I entrusted the bank and do not see any way out of the situation. On XX/XX/XXXX, 6 months after issuing the casier 's check, it will be post-dated and I will loose even theoretical possibility to get my savings. PNC bank completely ignored my interest as customer and refused to cooperate to solve the problem. It was PNC bank who initiated closing of checking and saving account and bank should did everything to protect my interests, but didnot. Nobody asked me what is the suitable way of remitting the balance to me. Please note, that my account was closed immediately after I informed bank about relocation to XXXX. The bank knew that they use antiquated paper system that doesnot work outside the US.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: transunion is tryiing to commit an error saying that i do not own a mortgage when in fact i do. They have a wrong number on my credit report. I only  have one n umber that is legit and that is  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Mortgage (VA mortgage) with Ikon Financial Group, LLC (CA).
Issue: Settlement process and costs

Complaint: I refinanced my VA home loan with Ikon Financial ( new name - XXXX XXXX XXXX ) last XXXX and have been trying to get my escrow refund for the past year. I have spoken to the owner, XXXX XXXX, on numerous occasions in reference to the owed escrow refund and have been receiving nothing but excuses. I have email correspondence from XXXX XXXX acknowledging the accounting error and that I am owed the refund, but I have yet to receive it. I also submitted a XXXX Complaint in South Carolina, where Ikon Financial ( XXXX XXXX XXXX ) is located, and still no results. Even though this is a Brokerage company, the refund that was sent to them and was cashed by their accounting department, should have been refunded to me, per XXXX XXXX response on XXXX/XXXX/2015.

Company response to consumer: Untimely response
Consumer complaint received 05/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: IQ DATA INTERNATIONAL IN XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with IQ DATA INTERNATIONAL IN Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt IQ DATA INTERNATIONAL IN purport I owe. I request that IQ DATA INTERNATIONAL IN Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt XXXX. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IQ DATA INTERNATIONAL IN Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation