milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Settlement process and costs

Complaint: I am filing this complaint on behalf of my father. My dad passed away XX/XX/XXXX and had a mortgage with Bank of America. I became the representative to his estate XX/XX/XXXX. Since this time I have continually tried contacting the mortgage department to get information on my fathers mortgage. I have had to fax my legal documents to the mortgage department twice because they claim they never received them. While going through my fathers paperwork I came across a confirmation letter showing that he accepted the " Borrowers Protection Plan ''. So finally on Tuesday, XX/XX/XXXX someone from the mortgage department was able to give me information. This women informed me that the loan was in " foreclosure process ''. I explained that my father had this protection, so I got transferred to another department. I spoke to a women in the " Options Department '' who explained to me that yes in fact my father did have the coverage. However, XX/XX/XXXX the " bank made a strategic move and canceled it ''. I could n't believe it .... I asked her if any other coverage was offered to him and she said, " no we no longer offer it ''. I then asked her about the money my father already paid into the coverage and she explained that there was no cash value. I then said to her, " you take his money and then take the coverage out from under him and offer him nothing else '', she stayed quiet. I was then transferred to the " Foreclosure Department ''. Now I have to send {$3400.00} to reinstate his mortgage and stop the foreclosure process.

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 03/23/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Deposits and withdrawals

Complaint: I recently wrote a check to someone out of my Wells Fargo account. I ended up canceling said check because person waited to cash the check for six weeks. I could not remember the number of this check so therefore I canceled a range of checks. Well, 4 days prior to this I had written a check for my rent. I did not realize but the check that I had written actually was XXXX of the range of checks that I canceled. The only way that I found out about this is because the check did not come out of the account for over 3 weeks and I went to my WF bank to see what was going on. I also called my rental management company. The rental management company had actually cashed the check but Wells still has not returned the money to them because the check was stopped. I issued another check but that check on their end still has not been noted as canceled or returned or anything. It is odd to me that it took this long. I also could have had other items coming out so this caused me great distress. Please see if something can be done. Wells still does not have any details on the check other than it was submitted for depository on the rental property 's bank.

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 01/21/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: From XX/XX/XXXX, since I started to enroll in the XXXX, so I was deferred from the monthly student loan payment. However, last XX/XX/XXXX, I wanted to pay at least interest only for the loan without principal even under deferment, so the interest wo n't accrue. But the payment that I wanted to make was not able to go through via NAVIENT online. Each time I click, " submit '' my payment, the message pop in saying " You have an issue in your bank account, we have received returned your payment, check and get a verification letter from your bank. '' Thus I visited my bank and found no issue on my account. My bank gladly wrote a letter about my bank account has been valid. The letter was faxed, mailed to the fraud department of NAVIENT on XX/XX/XXXX.

I also called to NAVIENT to speak this issue and ask them to resolve, so I can make a payment. However, the customer service ca n't do anything for me. They ca n't receive my payment over phone directly by customer rep. Each time I called, customer rep only able to transfer my calls to fraud department. But the fraud department would never receive my calls and try returning to my calls after I leave messages. I wanted and still want to make my loan payment interest, so it wo n't build up like snow ball. But NAVIENT negligent to cooperate with me, hindering my payment process. I also attach the letter from my bank here to help your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (TX).
Issue: Managing the loan or lease

Complaint: I was told I could leave the payment after hours thru the window box. I left XXXX and they keep calling me telling me that I did not paid, or maybe I left it in the wrong finance loan store. the lady who open in the morning XXXX or XXXX. I did a police report the following day from the security finance loan office and show the police that there is no way I could left it in the other store because the annex to the left its atlas finance and they do not have a window for after hours. and the right annex its a medical supply store, they do not have a window door to drop off the envelope with the money. and they keet calling me during working hours to ask for my payment, and they said that I need to go and give the payment that I have not paid. the security finance in XXXX on XXXX location does not have a camer inside, but the annex they have a camera and It has to be recorded when I passed. XXXX also mention that sometimes people stuck in a stick to get the money out, but thats impossibe.

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 10/18/2017 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Incorrect information on your report

Complaint: My mortgage was sold to Roundpoint mortgage service in XXXX XXXX. I have had continuing issues with my ability to pay my mortgage through their automated service. I continually called from XXXX XXXX through XXXX XXXX to find out why I could not pay my mortgage online nor would the automated phone system verify my account. It took an average of 20 minutes per call to have a new representative each time research the issue. At some point I was told that my social security number was not correct. It was verified that the paperwork they had was correct, but someone had entered it into their system incorrectly. I was asked to submit a copy of my social security card to show proof even though the documentation they received was correct. During that six month period I also contacted their consumer ombudsman, I never received any calls or e-mails from the ombudsman, until roughly three months later, which was a letter saying they have received my grievance. To this day I have not received any follow-up. In XXXX of XXXX the issue was resolved and I was again able to pay online. In XXXX of XXXX the issue resurfaced. I called on at least three occasions, one in XXXX XXXX, and twice in XXXX XXXX. During the first call in XXXX XXXX I was told I will receive a flow-up call in 24 hours, which never happened. On the second call in XXXX ( after waiting 30 minutes to talk to a rep ) I was told a supervisor will call me back in 2 hours. I also was assured by the representative, that as a consumer advocate, she will ensure it was followed through on. She even sent an e-mail with her info. I never received a call, I did send a reply email to her on the following workday notifying her I did not receive a call. I never heard anything back from the consumer advocate after three days waiting. In the two years I have had to deal with this company ( which was not chosen by me ) I have called to report the same issue over 10 times with absolutely no resolution. Lastly the social security number incorrectly input into the system has now been linked to me 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 explanation
Consumer complaint received 08/20/2015 about Payday loan () with Excella Recovery Group (ID).
Issue: Can't contact lender

Complaint: There is n't a category above that really reflects my problem. Received a call today from a XXXX XXXX at ERG ( XXXX ) He states that the has paperwork for me regarding a default loan with XXXX or XXXX XXXX. I advised him that I have NEVER spoken with either company, nor taken out ANY loan through either company. He tried to verify my identity by giving me an address I would have used, which was not my address. He hung up on me. He has been calling my family members and harrassing them also. How do I stop them from contact us? I have NEVER taken out a loan through either company and actually have no knowledge of either.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX SUPERIOR COURT DOES NOT HELP RESOLVING THIS ISSUE. I 'VE TRIED SEVERAL TIMES IN THE PAST YEAR AND A JUDGEMENT REMAINS ON MY CREDIT REPORT ERRONEOUSLY. XXXX IS THE NAME OF INDIVIDUAL THAT PLACED THIS ON MY REPORT. PLEASE REMOVE THIS FROM MY CREDIT REPORT. THANK YOU The piece of information that is wrong that is showing is the name XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: On XX/XX/2018 a check from XXXX XXXX was deposited with Citibank. The check was to payoff my credit card balance but was in an amount greater than the balance, leaving a negative balance. 

As I made the deposit, I requested the excess payment be transferred to my checking account. 

I have called the Citicard number on the back of the card at least 5 times since then, most recently on XX/XX/2018, each time speaking to a different person, getting a different story about what is going on, promising different efforts to remedy the problem, but all with the same result - no money transfer and a remaining negative balance. 

HELP!

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 06-05-2017 about Debt collection (Other debt) with Collection Bureau of America Ltd. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: COLLECTION BUREAU OF AMERICA ACCOUNT NO.  XXXX  is trying to collect for   XXXX   XXXX   AKA   XXXX   XXXX   XXXX   XXXX  .THE DEBT IS BASED ON FRAUD OF   XXXX   XXXX  .In early  2015  I ordered   XXXX   XXXX     at a local  XXXX  ; the service was sold to me at $   XXXX /mo.On  the very  1st  bill I discovered there were added surcharges and fees far in excess of the   XXXX   XXXX  /mo.   I h ad agreed to.I called the  company, we tried to have a meeting of the minds ... but they insisted on staying their ground and overcharge me what I  was sold..So I tol d them to come pick up their equipment..I do n't like being lied to when sold a service.We had  3 diff erent appointments at our home to pick up the equipment. XXXX  was a no-show all 3 times and now they fraudulently bill me as if they are selling me their equipment as well, that  XXXX  WO N'T COME GET ! It is stil l sitting at my house.   When I checked the Better Business Bureau It became obvious that this is a widespread financial fraud and that this is  XXXX / XXXX  pattern and practice to defraud holding the negative credit bureau reporting as leverage to extort monies not owed.THE DEBT APPEARS ON  XXXX ,  XXXX  AND  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a fraudulent charge of {$3100.00} from  XXXX   XXXX  on my credit reports. The account was opened  on  X/2015    a nd close d  X/2015   .    I have never been a customer of  XXXX   XXXX  nor have I ever lived in  XXXX  Ohio, the address of the account holder.     I have filed a fraud check with  XXXX , case #  XXXX  I have filed a report with the  XXXX  Ohio police, #  XXXX  I have reported this information to al l 3  credit a  gencies.
I am a   XXXX   XXXX   who was subject to the  XXXX  i  nformation theft.     A speedy resolution is very important as I am trying to secure safe affordable housing for myself and my children as soon as possible.     Thank you,  XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: So I've been with Bank of America for a couple years now and about 3-4 months ago I stopped using the account which had a {$0.00} balance well for the month of XX/XX/XXXX and XX/XX/XXXX they charged me a maintenance fee which caused my account to go negative I don't understand the fee if there is no activity. I really just wanted to know if this is legal.

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 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Conn's, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: on XXXX, i made a purchase at conns home plus in XXXX, nm. i opened an in house credit account. i took the items back home to california at which time i tried to install the sound bar and subwoofer. i tried as per the instructions, called XXXX tech support and we tried to get the sound to work for over 3.5 hrs to no avail. i was told i had 2 options, i could either return for another system or return for a full refund because i was within the 30 day period. i called conns in XXXX and was told that i would be charge a 15 % restocking fee, i argued this because they would n't have to restock the system because it was defective. they gave me the run around for over a week at which time i filed a complaint with the XXXX texas bbb. i was then contacted by the district manager who in turn authorized the return without a restocking fee. i returned the merchandise and was given a receipt with a XXXX balance and they were suppose to close off the account! there were two other items on the original ticket so they opened another account for these other items. i had made a {$150.00} payment on the original account prior to the return and was told that a refund would be issued to the same credit card, i waited two weeks and no refund, i called and was told a paper check would be issued and mailed. again i waited for two weeks and nothing! i called again and inquired about the {$150.00} refund and i was told that it was applied to the new account. i was never notified regarding this, so i called a different dept and was told no credit was issued. i called the customer service dept and was told no refund, there was no {$150.00} payment or credit. i called my credit card co. and filed a dispute for the {$150.00} inXX/XX/XXXX after their investigation i was issued a final credit from my bank for the {$150.00} in XX/XX/XXXX. so after my bank took the {$150.00}, now conns is saying i owe them the {$150.00} and has reported me to the credit bureas as being over 30 days late. they never issued a credit to me or to the new account and now they violating my rights to contract according to the ftc

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Due to the recent security breach at Equifax ( XXXX 2017 ), I have no idea whether or not my credit report and its associated personally identifiable information is now in the hands of criminals. I am deeply concerned about the possibility of my identity being stolen and my credit being ruined. At the very least, if my information has been stolen it will create require investment of my time to fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Other financial service (Money order) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX).
Issue: Excessive fees

Complaint: In XXXX, I purchased a {$60.00} MoneyGram money order. I set it aside and forgot about it until cleaning out some old files. When I took it back to the place of purchase in XXXX, I was told that they could not cash it since it was over a year old. The money order did not contain any expiration date on its face so I believe it is worth {$60.00}. 

I sent the money order to MoneyGram expecting a full refund. Instead, I was sent a {$6.00} refund check after exorbitant deductions were made for a {$18.00} processing fee and a {$36.00} service charge. Their refund check is a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (TX).
Issue: Other service issues

Complaint: WESTERN UNION 'S REFUSAL TO TRANSFER MONEY,, SENT COMPLETED QUESTIONNAIRE FOR REVIEW, NOT SATISFIED AND WANTED MORE UNWANTED INFORMATION, MONEY SENT ON XX/XX/XXXX FOR {$200.00} NOT TRANSFERRED AND NOT REFUNDED. 

XX/XX/XXXX : Transaction Date : XX/XX/XXXX XXXX ET, Tracking No : XXXX. 
Western wanted to complete a questionnaire. 
XX/XX/XXXX : Forwarded the completed questionnaire. 
XX/XX/XXXX : Western Union was not satisfied with the answers and wanted more supporting documentation, which I do not have or I am not supposed to provide. 
XX/XX/XXXX : Transaction No : XXXX for {$100.00}. Declined to transfer. Requested for transfer and it was refunded. 
Transaction No : XXXX for {$200.00}. Declined to transfer. Requested for refund. But as of XX/XX/XXXX, the money was not refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i sent in all verifying documents they did not take the items off i dont know what else to do from here .... i have contacted the beaureas to no avail

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I did not have XXXX and they have put this collection ion my report regarding a collection from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Debt collection (I do not know) with Windham Professionals, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A man named XXXX keeps calling my work number ending in the digits XXXX and leaving messages saying he is with Windham Professionals and that it is a debt collection agency and he is attempting to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, I am filing this complaint against Experian credit credit bureau. They are reporting inaccurate information on my credit report. I have previoulsy disputed the information on my credit report and have n't received a resolution to the matter. There are several accounts reporting that do not belong to me as well as all inquiries I have reviewed on my report. I have filed a police report in regards to this matter. I am requesting that all hard inquiries be removed immediately as well as the XXXX accounts in collections that do not belong to me as mentioned before! They were also inquiries that were removed and added back to my report with giving me 5 day notice which is required by the FCRA. This is a violation of this statute. I will continue to pursue all actions accordingly until this matter is resolved. I have provided a copy of my identification to speed up the process.

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 07/22/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX has been illegally attempting to collect an alleged debt from me, including by sending letters and by filing a lawsuit in XXXX XXXX XXXX Court XXXX No. XXXX ), even though the debt is barred by the applicable Statute of Limitations. 

I have provided XXXX attorney, XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX law firm, with a copy of the original contract, showing that the alleged debt is governed by a choice of law provision that makes State of Nevada law applicable to the contract at issue. Nevada Statute of Limitations ( SOL ) is four years on credit cards ; however, the debt was approximately 5.5 years old when XXXX attempted to collect the debt by filing the lawsuit. 

XXXX XXXX, and thus XXXX, has not responded to my email sent to him on XXXX XXXX, XXXX, asking him to dismiss the case with prejudice. Nor has the case been dismissed to date. In the email, I advised him that I had sent him a copy of the original contract, under separate cover by mail. I also provided him with information about how to access a second copy of the contract using the CFPB Credit Card Agreement database. 

Exhibit A - Original XXXX contract from my records, showing Nevada choice of law provision on page 4 ( APPLICABLE LAW ). 

Exhibit B - Copy of XXXX version of same contract from CFPB database, which also contains same provision. 

Exhibit C - Letter from HSBC showing that last payment on account was apx. 5.5 years prior to the filing of the lawsuit. 

Exhibit D - Printout showing ongoing lawsuitXXXX XXXX XXXX XXXX XXXX No. XXXX ) Exhibit E - Email to XXXX XXXX XXXX to which has not been any response to date.

Company response to consumer: Closed with explanation