milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/28/2017 about Student loan (Private student loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have tried over the past 10 years or more to understand the libor index, the origination fees, the fees on top of unaccounted fees from XXXX XXXX XXXX and Bank of America since XX/XX/XXXX. They can not dispute all the additional monies I have accumulated from the original loan of {$20000.00}. I hired a private attorney XXXX XXXX of XXXX, Ohio at XXXX, to clarify the mass paper confusion, which has cost me thousands of dollars from this private parent loan from XX/XX/XXXX, it will be XX/XX/XXXX and I will be XXXX years old. Bank of America 's liaison person is XXXX XXXX at XXXX ext. XXXX sent me a document with a XXXX XXXX instead of XXXX XXXX, which is not my son 's last name. I called her several times before she responded to the bank 's mistake on that financial document and correspondence between the bank and the school. I am forwarding in an attachment of the " wrong names '' and the scratch out numbers that are hand written by the bank of {$34000.00}. Please not the time lapse of two months before the document was revised without the {$34000.00} displayed with new fees. Bank of America / XXXX refused to answer XXXX XXXX 's correspondence of his calls regarding his findings. I ran out of money before a resolution was completed. I ca n't compete with a XXXX dollar corporation. I hope that this new paper work will create some serious questions into the past lending practices of this bank, that cause them to shut down their private parent loans department.

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 01/23/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX our home flooded. In XXXX the insurance released a cash advance of {$20000.00} Wells Fargo endorsed the check and we were able to start the clean up process. When the remainer of the balance was sent to us Wells Fargo stated we needed a contractor and would not release more funds unless we completed the house to 50 % and passed approval. On XXXX/XXXX/XXXX Wells Fargo sent out their inspector and approved us for being 50 % completed. Now Wells Fargo will not release XXXX of the remaining balance.

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 07/23/2015 about Credit card () with Synovus Bank (TX).
Issue: Transaction issue

Complaint: I rented a car from XXXX XXXX. They placed a hold for {$210.00} from me. They claim that the old was lifted properly. The credit card company will not lift the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Please reference the letter I am attaching. I sent this investigation request to Equifax and XXXX XXXX on XXXX XXXX. Nearly 3 months have gone by, and neither have responded. They were supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: Re : Fraud Claim XXXX Bank of America ignored fraud activities on my account I discovered some fraud activities on my checking account. I opened a claimed with the fraud department. An analyst named XXXX took the case, She denied the case with no explanation. I had to call multiple times where I requested to speak with the analyst to see why the case was denied, She is was able to Instant Message with the rep I was on the phone with, but would not return my calls, or explained why my case was denied. It 's been five days, and I still do n't have a concrete answer why my case was denied. Someone took my phone and was able to penetrated through my phone to add an account and make a transferred of {$400.00}. The name of the account is XXXX XXXX, I did not make this transaction nor did I authorize this transaction. The rep stated that I authorized someone to make that transferred which is not true, she also stated that I made transaction before and after that were not reported as fraud. But this one transaction was done without my permission or consent. This transferred is fraud, and they would not relooked at my case or correct the transferred.

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 10/26/2017 about Debt collection (I do not know) with Pollack & Rosen, P.A. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My wages were being garnished pursuant to Court Order for a debt on which a judgment was obtained. 

The amount that was authorized to be collected was {$2300.00}. 

They collected {$2400.00}, {$100.00} over the amount owed and authorized. 

The law firm of Pollack and Rosen is the debt collector. 

They sent me a check for {$45.00} for the overage collected. 

I made repeated attempts to contact the law firm about the balance of the overage. I was finally able to speak with someone at the firm and was told I would have to talk to my employer about the rest of the money. My employer told me to talk to the law firm as the money was sent to them. ( {$54.00} )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TN).
Issue: Struggling to pay mortgage

Complaint: I had a reduction in income I had to file bankruptcy to maintain ownership of my home.   I dismissed my bankruptcy and I 've submitted several request for modifications and  Carrington mortga ge has given me the run around stating they have n't received the documents I 've faxed even though I had faxed the requested documents several times.    Carrington m ortgage has had my financials and modification request several weeks and now I have a property foreclosure sale date for  XXXX   XXXX ,  XXXX .   Also The  Property  Foreclosure sale noticed is dated  XXXX   XXXX . The Tennessee law states the homeowner has to b e given a 30 n otice prior to the property foreclosure sale.    XXXX   XXXX   XXXX  mailed the notice of foreclosure on  XXXX   XXXX ,  XXXX  I did n't receive the notice until  XXXX   XXXX . I did n't get the notice 30 days prior to the sale date as required by the state of Tennessee. I want to keep my house please, please, please help me

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: To Whom It Concerns : On XX/XX/XXXX, I attempted to purchase 2 airplane tickets via XXXX for {$410.00}. 

I changed my mind on the {$410.00} ticket purchase and processed a cancellation order on XX/XX/XXXX. 

The Flight Cancellation was accepted by XXXX on XX/XX/XXXX and XXXX promised to credit my account for the {$410.00}. 

Several months later after not receiving credit I called XXXX and they stated to me that my cancellation was not submitted. They asked that I provide proof of the cancellation. I had difficulty finding the " cancellation '' receipt. 

I contacted XXXX XXXX in XX/XX/XXXX and asked that they intercede. They gave me a temporary {$410.00} credit but reversed the credit on XX/XX/XXXX when I had not supplied the written documentation they requested. I subsequently found the XXXX cancellation receipt around XX/XX/XXXX and presented it to XXXX XXXX and XXXX for my {$410.00} credit. 

XXXX XXXX has not credited me the {$410.00} because they are still waiting on a response from XXXX. 

I am asking for whatever assistance you can provide to expedite the return of my {$410.00}.

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 06-11-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I opened a account with XXXX on XXXX/XXXX/2006 and the account shows pays as agreeded, however the account shows me with a balance of XXXX. I need this account to be updated to show at a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Transaction issue

Complaint: I have a USAA credit card, -- -- -- -- -- -- XXXX. 
USAA Bank allowed a {$3000.00} + charge on my account using someone else 's credit card, their number is, -- -- -- -- -- -- XXXX! 
That is not my credit card number! 
That is illegal!!! 
USAA Bank says that is to bad, and that it does not matter to them, and that I still owe the {$3000.00} plus interest!!! 
I was not able to get an XXXX, so I took off work, and paid XXXX {$150.00} and shipped the merchandise to the USAA Bank!! 
USAA Bank said that makes no difference to them and that I still owe them {$3000.00} plus interest!!! 
I have been with USAA for more then 26 years, I have never been even late with a payment, and this is the way they treat their customers!! 
MILITARY PEOPLE, AND ALL PEOPLE, STAY AWAY FROM USAA!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We filed bankruptcy in 2010 however, there was a car loan XXXX and home XXXX - Chase Mortgage XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ) that were not to be included in the bankruptcy ( see uploaded doc schedule C ). However, XXXX companies, Chase and XXXX XXXX I will submit complaint XXXX seperatly ) are reporting to all XXXX bureau 's that these XXXX loans were discharged in bankruptcy Chap. XXXX. None of the payments made after this was reported are showing and since this time XXXX loans have been paid off. Also, not showing on my credit reports. I 've contacted all XXXX credit bureaus numerous times and tried to dispute this. They show the loans were paid off on their end and in their system but wo n't remove the " discharged in bankrupcty '' of my credit reports. I went thru a divorce the bankruptcy and just want to get my life back together. With such a terrible credit score I 'm paying more for everything and not able do a lot. I 'd like to someday buy a home for my family again and will at some put need another car. It 's so frustrating. I ca n't tell you the time and money ( I paid a credit company {$1600.00} to help me restore my credit ). I hope you will be able to advise me or help me. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Bank account or service (Checking account) with Comerica (CA).
Issue: Problems caused by my funds being low

Complaint: On XXXX/XXXX/2015, I was charged an overdraft fee while my checking account was positive - {$35.00} EOD on XXXX/XXXX/2015, according to my transaction register on the bank 's website. According to the overdraft notice, the fee was cause by insufficient funds for transactions on XXXX/XXXX/2015. 
The overdraft notice which was provided included several transactions which did not occur on XX/XX/XXXX, per my account 's transaction register. In fact, XXXX of the transactions occurred after my account had been replenished with additional funds on XXXX/XXXX/2015, bringing me above the previously indicated {$35.00}. 
I went to the branch to attempt to resolve this banking error and spoke with the assistant banking center manager on-site, XXXX XXXX. He insisted that there was no bank error, but said that he could not explain why my account was charged an overdraft while my balance was positive. 
It should be noted that this overdraft fee was charged 3 days after I moved money into a new bank account with another institution. I do not know if Comerica is retaliating against me for deciding to bank elsewhere, but at this point, I am only waiting for final transactions to post before closing my account with Comerica. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Struggling to pay mortgage

Complaint: Im writing to you today hoping you can stop the bank from taking the house Ive called my home for the last 55 years. I had hoped my grandchildren will be able to enjoy it as their parents did before them, and my parents did before me. 

My troubles started back in XX/XX/2011, when I was diagnosed with XXXX XXXX. This is a XXXX   of the XXXX near the back of my XXXX. The condition results in something worse than XXXX   that can leave me XXXX XXXX XXXX for two or three weeks at a time. Not able to work, my daughter helped as best she could but it looked like we would need to sell. A I recovered and started being able to make money again, I approached the bank about getting caught up. It was my home, and Id do everything in my power to keep it. 

I started working with my bank, but at some point during all of this, they sold my mortgage to XXXX. I approached this new bank. Everything seemed to be going great until I went to sign the modification promised me and I noticed the rate was much higher than what I had agreed to, at over 7 %. I continued to pay my bills while trying to fix this, but my mortgage was sold yet again, this time to Caliber. 

I now tried to work with this bank. I explained my situation to them, as I did to XXXX. But they refused to uphold the agreement I had worked out before because I am XXXX. I turn XXXX this year! I am too young yet for social security but too old to looked at for most jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Other

Complaint: We field a prior complaint with CPFB regarding wrongful negative reporting by Kohls department store. We filed a complaint with all XXXX bureaus. XXXX repsonded by letter and removed the negative reporting ( attached ). We heard nothing from XXXX. After several phone calls to call centers we learned that XXXX had no record of a complaint. We filed for the third time. We contacted XXXX, after several attempts and supervisors, they stated that Kohls said the information was correct. They advised that we file another complaint. I understand that Kohls was to have reported to all XXXX buraeus, not just XXXX. This confusion is causing my family great stress. After filing Chapter XXXX in 2011 we have been working XXXX to get back on our feet. We have made an offer on a home and we are about to lose it because of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Consumer Loan (Installment loan) with Ditech Financial LLC (VA).
Issue: Problems when you are unable to pay

Complaint: I have a 7 day grace period ; however I receive non stop calls on cell/home/work numbers from XXXX the day payment is due until I pay. Where is the grace period? 

I am left messages stating it 's in my best interest to contact them ASAP. Company name Green Tree XXXX. XXXX from Green Tree XXXX and XXXX as well as several other numbers she has called from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (IL).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I purchased a US Bank XXXX prepaid card at a local grocery store on XX/XX/XXXX. Days later, when I tried to use the card, my transactions were getting declined. I went online to check the card status and its balance to make sure it was activated correctly and saw there were several unauthorized charges on the card already ( without my knowledge ). I immediately called US Bank customer service number on the back of the card ( XXXX ) to file and report and dispute the charges. I was asked to faxed in the following information : front & back of the card, my first and last name, my address, and my phone number. I included those info plus the purchase receipt as well as my photo ID and faxed them to ( XXXX ) XXXX as requested. The card was immediately locked and no further use was allowed. Afterward, I did not hear back from US Bank on when would I receive a resolution to the issue nor when I would receive a replacement card as promised by the phone representative. Several months later, on XX/XX/XXXX, I called US Bank customer service number again to inquire about the case. The customer representative at this time told me that they did not get a response from me so they closed the case. For the record, I was not contacted by US Bank either by phone or by mail even once after my faxing of the requested documents above. Then I was instructed to fax my info again to a different fax number ( XXXX ) XXXX, the Lost and Replacement Department I believe. I promptly did so on the same day. However, about a week later, I received a voice mail coming from US Bank saying that I'm not eligible for a replacement with no clear reason given. To date, more than 4 months after my purchase of the product, I still can't use it and I'm out of the original purchase price.

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 01/16/2018 about Debt collection (Medical debt) with Affiliated Collection Services, LLC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX contacted me by mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX telling me that I owe {$1000.00} to XXXX XXXX XXXX. I do not owe this, as I settled the matter with XXXX on XX/XX/XXXX in a mutually agreed settlement. I provided XXXX XXXX XXXX with proof of XXXX XXXX acceptance of the settlement on XX/XX/XXXX in response to their first collection letter and explained to them that no debt exists. They have ignored this and continue to bill me. The only thing they have sent me besides letters demanding payment is an irrelevant copy of a patient agreement with XXXX from before the settlement. 

The Fair Debt Collection Practices Act forbids attempting to collect a debt that is not valid. In this case, XXXX XXXX XXXX knows ( or should know ) that there is no valid debt. I have provided proof that there is no valid debt, and they do not dispute my evidence, but they continue to send letters demanding payment, in violation of the Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. 

Please delete this information from my credit report, pursuant to section 605B of the  Fair Credit Reporting Act. 

I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Student loan (Federal student loan servicing) with Brelvis Consulting, LLC (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I called a number to get approved for XXXX XXXX. I spoke with The Student Loan Help Center. I was n't sure about the program or what it was about. I inquired with some questions but I did n't realize i was speaking with a 3rd party representative that charged me {$600.00} to get started with XXXX XXXX. To my understanding I could 've just inquired with XXXX XXXX and it would 've been free. The lady on the phone rushed me and was eager to take down my credit card information. I talked to so many different people and no one mentioned that they were not XXXX XXXX. I kept getting transferred and I think it was because I asked too many questions. I thought I was speaking with XXXX the entire time but I was mistaken I did n't realize they were a 3rd Party Representative. The only time they reached out to me was when my payment did n't go through because my credit card information had changed. I was taken back. The only time these people reached out to me was for money. Not to inquire or inform me about the status and etc of my account. I 'm disturbed about all this. If i lose the money because i failed to do the research afterwards then yes that 's my fault but to my understanding I thought I was speaking to to XXXX XXXX. How do you CHARGE people for a service that 's free?!. And to top it all off, I was told I would n't be paying a dime for 20 years and that it would save me from paying interest and so on. I found out that in reality if I 'm paying {$0.00} a month, I would still be paying the interest rate monthly. They never mentioned any of this. XXXX XXXX told me to contact CFPB for assistance and I hope you guys can assist. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (OR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Received credit alerts regarding BARCLAYS BANK DELAWARE Requested On : XX/XX/2018 Identifying information they provided : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone Number not available Contacted Barclay and they have no record of my SSN. So wondering 1, how or why its on my credit report.

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 04-08-2015 about Debt collection (Medical) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (SD).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Your submission, [ Case number : XXXX ] Postcards with my name were left XXXX in my Daughter 's entry to her apartment.

Company response to consumer: Closed with explanation