milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (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: This complaint is about a disputed charge on my MasterCard with Bank of America. A company called XXXX XXXX XXXX out of Florida offered to recoup charges made from a Fraudulent law firm. Bank America credited my account for this amount on XXXX XXXX XXXX so I paid XXXX XXXX XXXX the agreed 45 % ( {$1500.00} ) on XX/XX/XXXX. A week later Bank America took those funds back saying the charge was too old and closed the case. I have been trying to get XXXX XXXX XXXX to refund my {$1500.00} since. I filed a dispute with Bank America, case # XXXX. They requested additional information which I provided on time, that at first said they got too late and then admitted they got on time but it was n't enough information. Clearly XXXX XXXX XXXX has not fulfilled the signed contract, which Bank America is in possession of, but Bank America has closed the case and will not do anything further because the vendor, XXXX XXXX XXXX, will not answer any ones calls or Emails. I have spoken with Bank America on the following dates with no solution. XX/XX/XXXX ; XX/XX/XXXX ( with XXXX and XXXX in XXXX ), XX/XX/XXXX XXXX in Credit and XXXX in Texas, XX/XX/XXXX with XXXX in XXXX, and XX/XX/XXXX with XXXX and XXXX in XXXX. As far as XXXX XXXX XXXX, I have a voice mail from XXXX XXXX XXXX from XX/XX/XXXX in which an XXXX XXXX said he would submit a refund on that day. Never happened and I have since filed a complaint with the States Attorneys General Office in Pennsylvania and Florida and with the Better Business for XXXX Florida. I can not understand how Bank America can take this stand for this vendor over all the evidence I have submitted. They know I did not recover any funds because it was them who took the funds back. Thank you

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 09-02-2017 about Debt collection (Auto debt) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have made several attempts to contact the company regarding the debt and several inaccuracies. Now, my credit report shows the debt was sold to another lender and the information about the new lender is not available. I have tried to get proof such debt exists, but am unable to communicate with Universal Acceptance about the account in question, incorrect information on my credit report and etc. 
Furthermore, Universal Acceptance was asked to send proof of original debt to me when I disputed the claim in XX/XX/XXXX. Instead, the collection was hidden on my report and then they sold the account to a new lender and will not disclose the new lenders contact information. I feel as if I was also victimized as a client of Carhop since the purchase of my vehicle in XX/XX/XXXX. 
Carhop has been sued for jeopardizing Consumers Credit as noted on CFPB website, confirming they have used false information and disclosed inaccurate credit reporting on my credit history.

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 09/28/2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA).
Issue: Other service issues

Complaint: I have tried unsuccessfully many times to send money online through moneygram. 
I have spent hours on the phone, verifying my identity & having moneygram 's " security department '' verify my identity as well. I have yet been able to complete a transaction online, because moneygram continuously denies me services. On XXXX/XXXX/15 at XXXX EST is the latest example of moneygram 's discriminatory practices against XXXX. I tried to send money to my family in XXXX & was denied service. This has happened at least 6 other times with moneygram. As I said I have proven to moneygram who I am and that I have a need to send money to my family. MoneyGram has a long history of overcharging XXXX or denying services to XXXX. This practice must be investigated & MoneyGram must be held accountable for their actions/

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I contacted Transunion Several times about accounts being reported that are not mine. They requested that I file a police report before they remove them, which was absurd. I have filed a police report with XXXX XXXX Sheriff 's Office, Case # XXXX on XX/XX/XXXX. 

I am requesting the XXXX account and the inquiries from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX removed. I inquired from XXXX in the last year.

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 10/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX XXXX is being reported on my XXXX, XXXX, and Transunion credit bureaus as a paid charge off. I paid this account in full. There was no profit loss. They said they would remove it after 60/days and they have n't done that. No offer was made. I agreed to pay full amount upon the removal in all three credit resort which hant been done. I payed this item in full on XX/XX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
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 submitted a dispute with Equifax regarding duplicate accounts on my credit report regarding the company XXXX. They are for the same account, however, one shows paid and the other shows unpaid but both are having a  negative affect on my credit score. I asked that both accounts be investigated to determine which should be reported. They updated the paid as being verified as of XX/XX/XXXX but did not investigate as requested the unpaid account. If the paid account has been verified, the unpaid duplicate account for XXXX needs to be removed as it was last verified XX/XX/XXXX. <P/>Also, I have requested that Equifax remove an account that is reporting on my credit report because it is medical debt. I have made at least 5 dispute request to get this item, XXXX XXXX, removed and have been unsuccessful. It is even listed as medical debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2017 about Debt collection (Other debt) with Gatestone & Co. International Inc. (AZ).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: OnXX/XX/XXXXapproximately XXXX I received a phone call from XXXX XXXX from Gatestone & CO International Inc . XXXX was very rude, he told me he was calling on a debt from 20years ago, for maricopa county restitution for {$600.00}. ( it was owed in XXXX ). i asked him if he could please send me something in the mail, ( i wasnt going to discuss anything over the phone because fo all the scams and fraud ) He at that point was yelling at me..i was crying, asking him to please take my address and please send me something in the mail. he then said that several notices had been sent already and there would be no notices sent, until I told him how I was going to make arrangements to pay today. still crying, I asked him what address were the notices being mailed to, he gave me my fathers address which i had not lived there in several years. I asked him again to please send me something in the mail, I tried giving him my current address and that I have had fraudulent things on my credit report and i was just asking him to mail something to me, I also told him that I thought this was already taken care of. and he just kept saying that NO..IT IS A 20 YEAR OLD DEBT ( MY NAME ), HOW ARE YOU GOING TO TAKE CARE OF THIS?. At this point I told him that I felt he was intimidating me and being very mean. He denied this and I felt there was someone there coaching him, or encouraging him, he was laughing and then : I was so upset i hung up on him. i did call back approximately XXXX XXXX, when i stopped crying, and was on hold until XXXX XXXX i spoke with XXXX XXXX, I explained the phone call with XXXX, she apologized and gave me a supervisors email. ( i was very upset, i was n't sure if i wrote it down correctly ) I did try to email him, I have also sent a letter. XXXX, emailed me a copy, she also mailed me a copy in the mail. I have disputed this because i believe it had been taken care of a long time ago. i am still investigating this. XXXX should not be able to talk like that to anyone, and then laugh at someone, when they are crying. i am not positive, but it sounded like someone was next to him, coaching him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Have disputed this account with XXXX Transunion numerous times. Account has not fully been investigated properly. Have not been provided with information and different information being reported to each bureau. Have requested full verification as each report is showing different information and have yet to receive adequate proof of ownership. Have received statements but nothing proving I own the account and inconsistent information being reported across all XXXX bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (IN).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On  X/X/17    I called Regions bank  on two seper ate occasions that say to ask if any of the overdraft fees on my account could be waived or reimbursed to my account. As of today my account is $  XXXX . I have a mobile deposit pending for deposit tonight in the amount of {$270.00} but that will still leave me with a negative balance. I called explaining why my account was overdr awn ( my mother passed away ) a nd all the stress of dealing with that and paying funeral fees and other things I was n't paying attention to what was going on with my bank accou nt. I have 4 p ending transactions on my account for tonight ...  XXXX ,  XXXX  Credit Card pymt  XXXX   XXXX   XXXX ,  XXXX  Credit Card payment Express and a {$19.00}  XXXX  purchase that has been pendi ng for four d ifferent days. So far Regions has taken out {$180.00} in overdraft fees with more in sight since  I have 4 more transactions pending. I called today twice and I actually got ONE {$36.00} fee reimbursed to my account. They would n't help me any further. Their response that I had already used a court esy fee waiver within this year ... which is untrue and they could n't do anything else. Can you get Regions to waive any more of the fees? At this point I 'll never have a positive balance. Please help. Thank you.

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 05-09-2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Settlement process and costs

Complaint: My parents had a reverse mortgage with Wells Fargo Bank, father passed away XXXX XXXX, XXXX. I notified Wells Fargo Reverse Mortgage that I intended to purchase the property. They have put me off many, many times by withholding necessary information for me to save the property. 
When I could n't find my parents ' will, a Reverse Mortgage Home Preservation Specialist told me to fax my birth certificate, which I found out too late by others in the department, had no bearing in any way. They changed Home Preservation Specialists many times, transferred me into voice mailboxes that were full, was transferred into voice mailboxes that were supposed to supervisors, but we 're not, and when I did leave voice mail messages, no one would return my calls. When I requested to speak to a supervisor, I was told, they are out to lunch '', they are in a meeting '', " they are on the phone ''. They never gave me any names of any supervisors, and Home Preservation Specialists would promise a call-back within 48 hours, but no supervisor has ever called me. 
When I finally found my parents ' wills, I went to the Main Branch of Wells Fargo, at XXXX XXXX XXXX XXXX XXXX, here in XXXX and asked for help. A representative phoned Wells Fargo Reverse Mortgage Department, spoke at length with a Home Preservation Specialist, and was obtain much information that had been withheld from me ; she also faxed both of my parents ' wills and a letter requesting a delay of proceedings. 
Seven days later, they issued a Notice of Default. 
I was referred to a Wells Fargo loan specialist, who I spoke with once, he promised to call me the next day, but did not. I got the name of another loan specialist, my brother secured a loan, we faxed the pre-approval letter to Wells Fargo Reverse Mortgage. 
The Default Notice names XXXX XXXX XXXX XXXX XXXX, which I have contacted for help, but nothing has changed. They refer me back to Wells Fargo Mortgage listed on Notice of Default, but they had no information on me, even though I am executor, and refused to speak with me. I had to fax wills to them. They told me it would take 72 hours to process, before they would discuss matters with me. When I called back after the 72 hours, I was told it takes 7-10 days to process. 
I am running out of time to save this property I only last week found out that we needed a probate lawyer Lawyer began his part Friday, XXXX XXXX, XXXX, but probate takes 60 days We were given 90 days to respond to Notice of Default Probate will take us beyond that date Wells Fargo has refused to requests to work with them SELECTIONS BELOW DO GIVE PROPER DESCRIPTION. I am making a selection because it is required, but it is NOT ACCURATE

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 12/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (KS).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Long time XXXX customer. Always paid my bills on time. When I transferred my service to another provider, I waited to pay on the last bill as I knew I would get a final bill and I only wanted to pay once. 
Not only did they charge me for an entire month even though I did n't use the full month, the worst thing is I got a letter from a collection agency BEFORE I even got the final bill. 
They did not call me, They did not warn me. They sent it to a collection agency when it was & lt ; 2 weeks late and they sent it to a collection agency before I even got a XXXX bill or XXXX notice

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
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 have contacted Equifax Credit Bureau by mail and email about information that's reporting to my credit report as inaccurate. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Equifax has sent me letters via their online site stating they have verified that the item is correct but has not sent me any documents that I have a right to verify. The accounts are as follow : XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX I have always placed a fraud alert on my account when I noticed inaccurate inquires which Equifax is aware of and due to Equifax breach which I have confirmed with their representative that I am impacted by. Due to Equifax lack of responsibility with my information has been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2018 about Debt collection (Payday loan debt) with CASHCALL, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have an account on my credit report for Cash call, but I was never late with them. would like Cash call to produce my original contract and proof of the dates I was late or remove the lates from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (UT).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Around 2013 I got into IBR with XXXX XXXX at that time. The person who set up my loan repayment said that because of my income I would not have to pay anything. Immediately that changed. I received coupons in the mail telling me I had to pay about XXXX bucks a month. The next year the payments went to about XXXX/mo. My INCOME had gone down. So why were my payments going up? Then after paying for about 2 years I received notice that my loan payment would DOUBLE the next year to about XXXX/mo, after that it would go to XXXX/mo. How is this possible under IBR? When I called to discuss this with the company who had then become " Navient '' they gave me a run around that I was no longer in IBR since it was no longer available and that I had to get into a new plan. The woman on the phone was very nasty to me with this information. Since then I have received over 100 phone calls from them from different numbers every time and sometimes they use my old area code to call me trying to get me to answer them, I do n't. This is not because I do n't want to make some kind of arrangement but because I read on forum posts constantly about these tactics and that they even have you pay then say you never paid and put you in default. Now i go to the Navient website and it says I have a XXXX balance and that my loan was paid off by XXXX XXXX. When I try to call XXXX XXXX directly using numbers found on the internet I get Navient on the phone, or some other company.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America has violated the National Mortgage Settlement ( NMS ) and is liable under the California Homeowners Bill of Rights ( HBOR ) 2924.12 ( g ). 
While Bank of America concedes the submission and receipt of a complete Request for Mortgage Assistance ( RMA ) application package as evidenced by the Bank of America initial review of the received as complete RMA resulting with the XXXX XXXX, XXXX incorrect MHA HAMP denial that was later GRANTED upon the Bank of America Appeals Department reviews of XXXX XXXX and XXXX XXXX, Bank of America has not provided the required five day notice to the borrower in accordance with HBOR 2924.10 ( a ). Also and in accordance with HBOR, there is no deadline for servicer 's to complete the modification process. 
Additionally, Bank of America can not record an Notice of Default ( NOD ), a Notice of Trustee Sale ( NTS ), or conduct a sale while the modification process is pending per California Civil Code 2923.6 ( c ). No deadline for borrower 's application. No deadline for servicer 's RMS evaluation. 
Therefore, the NOD recorded on XXXX XXXX, XXXX must be withdrawn by the recording of a Rescission with the XXXX XXXX County Recorders Office.

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 12/18/2015 about Mortgage (Conventional fixed mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: New mortgage with Homebridge Financial ServicesXXXX XXXX NY NY XXXX phone XXXX ( put on hold for XXXX min and never talked with anyone ) paid XXXX XXXX payment with personal check, paid XXXX XXXX payment through virtual wallet, XXXX XXXX, it went through Paid XXXX XXXX through XXXX ... they never got or lost check. Waited til end of month to see if it would clear ... it did n't, so rewrote virtual wallet check out XXXX XXXX XXXX mortgage and XXXX XXXX, for XXXX mortgage ... they never got it. I have called and called and can not speak to a real person. I cant get on even to pay by phone I go on line and in order to make payment it says I have to fill out a 'hardship ' form? 
This is going to ruin our credit and I ; m trying to pay the mortgage. I emailed customer service and the man said we could set up auto pay ... great, I 'll do it ... cant get hold of anyone. 
WHen I do call them on the phone they say they are debt collectors???? we thought it was a mortgage company? 

Very frustrated and just want to make our payments on time ... please advise. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX I am hoping you can help us asap. thanks

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Vehicle loan or lease (Lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: On XX/XX/2018 I wrote a letter to Nissan explaining that my payments are late because I am trying to get back on tracker after a loss in the family. My payments have been late but not more then 30 days. They have wrote me back but did not respond to my urgent need of my financial hardship.

Company response to consumer: Closed with explanation