milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America has intentionally sabotaged my account and the associated " Pay for Performance '' plan annual incentives, a minimum {$5000.00} value, I am now no longer eligible for due to the incorrect denial of a Home Affordable Modification Program ( HAMP ) of XX/XX/XXXX and the subsequent appeal, that to date, I have yet to be informed of the resulting determination made upon completion of the appeal review of XX/XX/XXXX in writing. 

Just to be clear, Bank of America has never written to e informing me of the resulting determination made upon completion of the XX/XX/XXXX appeal review and associated Appeal Report with documentation. In fact, Bank of America has represented to me I have been denied HAMP on appeal multiple times since XX/XX/XXXX by the various assigned dedicated single point of contacts ( SPOCs ). 

Additionally, Bank of America has charged my account for the balance due on the CalHFA XXXX Deed of Trust by adding that amount to the principal balance in XXXX and have been assessing interest on this amount as well since XXXX, but failed to forward payment on the CalHFA XXXX Deed of Trust to CalHFA or the State of California since XXXX and to date. It is unclear if Bank of America intends to forward payment in full on the XXXX CalHFA Deed of Trust associated with this account at this time, or reimburse me the total amount charged and assessed to the principal balance on this account to date, including interest. To date, I have not been reimbursed for any charges and fees, including interest, that have been erroneously associated with this account. 

Bank of America has committed fraud on a mortgage or Deed of Trust by misrepresenting and omitting material facts related to this account during the loss mitigation processes to date. Not only has Bank of America acted fraudulently, Bank of America has acted negligently by intentionally prolonging the modification process with the use and employment of stonewalling tactics designed to separate me from my home and property, however unlawful. 

91 ) Financial Sabotage ( on a mortgage or Deed of Trust ). 
92 ) Malicious Cedit Reporting. 

All previously mentioned resolutions are desired and mandatory and must include all associated dollar amounts related to this account including, but not limited to the total value of the Pay for Performance incentive plan.

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 03/24/2015 about Debt collection (Non-federal student loan) with SLM CORPORATION (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I get harnessing calls from Sallie Mae any time of the day or night on weekend, Sunday all day. I am a XXXX treatment patient currently and I explained this to them. I know i owe this debt. I give them what I can afford and they still state they want more. My co signer is my XXXX Dad who did n't know that i would have went through such medical problems. I XXXX in XX/XX/XXXX and in XX/XX/XXXX diagnosed with XXXX XXXX. I am paying this bill of {$30.00} a month of what I can afford out of {$180.00} a month check. I just want them to set up a payment plan of {$30.00} a month something I can afford and stop calling and telling me I can pay more. Today i spoke to XXXX XXXX, floor supervisor XXXX XXXX. Sallie Mae knows all the people that I have spoke with to come to some type of agreement of this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I have had my Capital One credit card almost three years. Never had a problem and I never paid my account late at all. 

They have restricted my account access because of fraud they say. Capital one says I have too many authorize users and they want me to get every single one of their driver license and social security card and send it to them before they will let me have access to my account. 

There is nothing wrong against adding friends or family to your credit card as authorize users. 

Capital one said I have too many on there and now they have restricted my access because of this! NO WHERE on their site does it mention if you add X amount of users we will lock your card down and make you bother every single one of them for their personal information to send to us! 

I then told them I did n't realize I had that many users on there who NONE have a card and would like to remove some. They would NOT let me remove them! 

The sad part is I AM advertising FOR CAPITAL ONE and telling friends they should apply for a credit card with them! And this is the thanks I get! A LOCKED account!

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Home was foreclosed on XXXX/XXXX/2016 while file was under active review for a modification.

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 08/17/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I logged in to my Banana Republic credit card management portal ( XXXX XXXX ) to see how many points I have to purchase new clothes and it says that my account is closed. I just made a large purchase last month and paid it off in full and have never been late. They closed my account for no reason given and without contacting me first. Everyone should cut up their OldNavy/Gap/Banana Republic cards because Banana Republic does n't want the benefit of the sales from these cards or what? BR needs to get rid of XXXX XXXX. I ready tons of complaints that they are just canceling cards left and right for no reason. Blaming it on inactivity ( which really means, not carrying a balance often enough ).

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 01/13/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Since XXXX, I have been charged unexplained fees to my mortgage. On XXXX XXXX I became aware that my XXXX payment came back NSF. At that time, I called and spoke with a representative and paid the past due payment, late charge, and NSF along with a {$15.00} fee to make payment over the phone. When I went to pay my XXXX payment, I noticed their were {$70.00} of unexplained fees in the payment amount. At that time, I called and spoke with a rep who took my payment over the phone and told me the fees would be researched but he would waive the late charge and took my payment over the phone. As of XXXX XXXX when I reviewed my account the amount due was the normal monthly mortgage payment. I have not received a new billing statement as of XXXX/XXXX/17 and one is not available online. When I went to schedule my mortgage payment on XXXX/XXXX/17, the amount due has {$70.00} of unexplained fees assessed again. At this point I am unable to schedule a payment and this will cause my payment to be late because I do not have the {$15.00} to make the payment on the phone. This is causing a huge inconvenience. The mortgage company has still not followed up with me about last month and the fees that were assessed. I am afraid this will become a revolving cycle month after month. I

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 10/24/2017 about Vehicle loan or lease (Lease) with PNC Bank N.A. (PA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I went to Pnc bank XXXX XXXX, Pa on XXXX/XXXX/XXXX for a personal loan and it was handled without any problems. I then ask XXXX XXXX about a lease payoff. She called XXXX XXXX XXXX for gross payoff amount and received {$23000.00} which was good until XXXX/XXXX/XXXX. That was also the date of my next lease payment. She then received hard copies via fax of everything that was needed to satisfy the payoff for XXXX to release the title to Pnc. So far everything went well. I was told the Pnc check ( XXXX ) was sent via XXXX XXXX to the address specified by XXXX. I waited @ XXXX week and called XXXX to see if they received and processed the check and was told they did not receive it. XXXX was calling me everday sometimes multiple times a day asking about a credit card that I signed up. I told they did not get the check and her answer was it sometimes takes 10 days. I waited called XXXX 2 more times and received same answer, no check. Told XXXX again and she did nothing except ask me about credit card activation and useage. Finally on XXXX/XXXX/XXXX my lease payment was due and lease payoff quote expires I called XXXX early and found that tbey never received Pnc 's check. I called XXXX and told her again XXXX 4 times ) that the check was never received by XXXX. She apparently did nothing that day and waited till XXXX/XXXX/XXXX to call them. Now the quote had expired and when she got the payoff quote it was now {$25000.00}! I have already received a loan from Pnc for {$23000.00}. There is a difference of {$1600.00}. XXXX says that its not their fault and will not honor original quote number and Pnc says its not their fault because they did nothing wrong. I am paying {$420.00} to Pnc and {$320.00} to XXXX. My daughter got married on XXXX/XXXX/XXXX and di not have that " extra '' money. Pnc quit trying to help and will not even call me back with their results. I believe the fault is Pnc due the unwillingness of XXXX to follow up on loan. Pnc reissued another check for {$23000.00} and XXXX cashed it. I need help. Someone or both need to step up for their mistakes or complacency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I write in response to Wells Fargo 's reply to my complaint regarding my Wells Fargo application XXXX and CFPB Case No. XXXX. I consider the company 's response to my query very flimsy and good for nothing because they tried to cover up an unfair business practice of not catering to the needs of their valued and poor customers who entrust the safe keeping of their their meager financial resources in their care.
For instance, Wells Fargo 's response states : " When this application was processed no information was obtained from an outside source other than your credit history from XXXX. '' Nonetheless the company failed to inform the CFPB that over the years I improved my credit score and have the following scores with the three major credit bureaux in the country : XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). That said, the company should have at least given me a chance with a credit line to show good faith in a valued customer but Wells Fargo as usual discouraged me and was unfair in its judgment.
Furthermore, I want to bring to your attention the flimsy excuse from Wells Fargo in the last paragraph of page one of its response to my previous complaint that reads : " Also, we are unable to speak for other financial institutions regarding their underwriting criteria ''.
The statement above speaks to the fact that Wells Fargo, unlike other financial institutions in the United States that are customer-centered, it lacks the capacity to give its striving customers a chance to improve their livelihood but is only an exploitative profiteering financial institution that sucks the blood of poor people to enrich themselves at the expense of their customers.
I assertively say this because other financial institutions ( like the XXXX XXXX XXXX XXXX, for instance ) are making genuine efforts and headways to create an enabling financial environment to improve the livelihood of their valued customers. Whereas, unfortunately, Wells Fargo is only interested in suppressing its customers. The fact that I have a personal and a business account and my wife has a personal account with Wells Fargo shows the level of commitment we have to this institution. Hence, to verify that they could not give us a single break of a {$5000.00} loan warrants the imposition of stringent financial fines on Wells Fargo for unfair business practices.
In view of the foregoing, I request that Wells Fargo be thoroughly investigated and fined for unfair business practice.
Sincerely, XXXX XXXX XXXX, Sr., Ed. D.
Unsatisfied Wells Fargo Customer

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 10/14/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I hired an attorney to help me validate an allegedly unpaid debt with LVNV/ Resurgent. My attorney has sent requests in writing ; as well as confirming receipt of the request via phone notifying LVNV/ Resurgent that I have hired them, and they refuses to release the validation of debt to my attorney. They state that my attorney is listed as only a debt settlement agency and that they can not send my attorney any information and can only send it to me. I would like LVNV/ Resurgent to only send it to my attorneys office. Please find a XXXX XXXX My attorney faxed in a Power of Attorney to their office stating that they represent me and to release and furnish any information to their office along with a request for validation of the debt. 
XXXX My attorney spoke to a representative who refused to send out the information to our offices because she said that we only represent them as a " debt settlement agency ''. After that my attorney was transferred to a supervisor XXXX XXXX employee ID XXXX who also refused to send my attorney information regarding the validation of the debt. My attorney explained that they were a law firm that is representing me and they still refused to send my attorney the validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Every time I would apply for a loan to purchase my first home. I am always told do that I can finance my property at XXXX , XXXX Ca XXXX, This home was purchased prices was {$160000.00} from a XXXX in XXXX. I had never purchased such a home at all. This individual used the my same XXXX number as mine the Deed # XX/XX/XXXX. The Date recorded from XXXX was XX/XX/XXXX.Documentation number is # XXXX. The seller name is XXXX. The lot building deed number is XX/XX/XXXX the buyer name XXXX , seller name XXXX , Then the other Deed was XX/XX/XXXX the buyer was XXXX the seller was XXXX After checking into this matter I discovered that these individuals had stolen and bought my 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 explanation
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I started working on my credit report in XXXX 2017 and sent updates to each bureau and I seen XXXX XXXX, XXXX, some of the changes but all of the changes was not corrected. I have not receive any changes or updates from the other credit bureau. Please help me fixed this. I recently got married so mu name has changed from XXXX to 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 03/30/2015 about Credit card () with CITIBANK, N.A. (HI).
Issue: Customer service / Customer relations

Complaint: I have submitted documents required of me from Sears Credit card company XXXX times and they continue to asked me for the same identifying documents in order to issue me a replacement card. My wife is XXXX XXXX and we got XXXX. Currently, I own nothing on this card but they owe me over {$200.00} as credit on this account. All I need is a replacement card or what they owe me. Please help me. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: When I signed up for my credit cards with capital one I opted Into the credit protection services plan. When I lost my job I tried to use it as AND the company told me that they had discontinued the service as of XXXX XXXX 2016. I did not receive any email or info in the mail about the discontinued protection services plan ...

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Debt collection (I do not know) with Sterling & Associates, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep getting calls from an XXXX XXXX at my place of employment. I have had no previous business with this person and have instructed them not to call me at work multiple times, but they do not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Prepaid card (ID prepaid card) with NETSPEND CORPORATION (LA).
Issue: Managing, opening, or closing account

Complaint: Outsourced rep for NetSpend Visa told me I could n't use the prepaid card I received as a gift without giving my birthdate and social security #. I declined and was sarcastically told " no info, no activation. Essentially they stole my mother 's money. I was told I could not use it as a gift card. What a huge scam! Also, they charge a fee for not using the card-again stealing the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Debt collection (Medical debt) with Harvard Collections, LLC (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Harvard collections service had send me a debt collection bill saying that i owed them i wrote them a dispute letter saying to send be a debt verification, the debt verification they send me was a statement from the original that looks like a bill the bill statement states the statement date as XX/XX/17 and due date as X/XX/17 how is that a statement that is due next month but they are no longer handling the debt i am convinced that they send me a fake validation due to the dates on the statement

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Equifax has not corrected an issue allowing me to log into my XXXX XXXX account that was created as a result of the data breach. I signed up for an account but every time I try to log in I get an error issue. Equifax said they would fix the technical issue but it has been over 3 weeks with no resolution. Also I disputed items on my credit report and received a confirmation # to check the results of my dispute. When I go to log in I receive an error message. Equifax is preventing me from seeing my dispute results and seeing my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: On XX/XX/XXXX I purchase furniture on a credit card with Synchrony Bank in the amount of {$1700.00} with a payment due date on the forth of every month. Their promotion was " interest free for one year. '' All my monthly payment were on time and I brought the principal balance down to {$510.00}. The promotion period ended on XX/XX/XXXX. 

I received my XX/XX/XXXX statement showing the they are charging me {$430.00} interest for 11 days. On XX/XX/XXXX I sent them a letter voicing my opinion of disgust with their interest charge for 11 days, and sent them a check for the balance of {$510.00} One of the conditions in my letter was if they refuse to waive the atrocious interest of {$430.00} not to cash my check and return it to me. On XX/XX/XXXX I received a response and needless to say, they cashed my check and are now demanding payment of the interest charge. I suspect this is deceptive business practice and usury interest 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 01/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from XXXX XXXX , XXXX stating that I owe {$100.00} to PayPal. I explained that I do n't have a PayPal account, but first I gave my Social Security number to verify my identity. They said I would receive a fraud victim packet and I never did. I tried following up by phone and every time I start asking questions they hang up. A XXXX search revealed that many other people have been scammed out of money by this same company.

Company response to consumer: Closed with non-monetary relief