milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-09-2017 about Mortgage (Conventional home mortgage) with FIRST NATIONAL BANK OF PENNSYLVANIA (VA).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX sold our loan to First National Bank and IT HAS BEEN A NIGHTMARE trying to make our first payment. Between the terrible website to not being able to link our personal checking accounts to being forced to open a checking account with them in order to pay. We then transferred money and it still does n't show up. We received notice on XX/XX/XXXX that our loan was sold to them and that payment was due on XX/XX/XXXX as well and we have an additional 15 days to pay. Customer service on the phone is wholly unhelpful and they do n't respond to messages on our internal website. Customer Service wait time is a minimum of 10 minutes and have failed with several requests, request to open a checking account was delayed, then denied, then approved, then links to account was unavailable, and they have been unable to track any of these requests nor find them in most instances. Further, when asked if we can pay over the phone, we were told we ca n't pay over the phone until it 's delinquent. So, they are punishing us by getting more late fees. The only suggestion was that we drive to pay in person in XXXX MD which is the closest location. Their unwillingness to work with us and inconvenient/convoluted process seems like one of the fee grabbing activities this bank participates in. So, the fee generating activities do n't stop there, you can not pay your mortgage from an external account, I repeat, I ca n't pay mortgage directly. You have to set up a checking account within the bank, so if you do this in time to dodge fees you still have to fund said account. The catch here is that you can only fund your account a maximum of $ XXXX per day, $ XXXX monthly max, and a {$0.00} fee per transfer. So every month we are already giving them at least {$1.00} to fund an account to pay the mortgage through the bank. This is a scam of a bank and is set up to generate fees and one must exercise an extreme amount of caution to dodge the maximum amount of fees they are attempting to impose.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have tried to contact this company at the address provided to get information regarding this debt. This company has not provided me with a proper mailing address. And this company is not license to collect in the state of Texas. I 've checked with the Secretary of State of Texas and they have no company with this name as a legit company here. So I ask that with the information I am providing that you demand this company to remove their derogatory and false debt from all of my credit reports. XXXX, XXXX XXXX, and XXXX immediately. this company is a fake.

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 03/15/2017 about Debt collection (Medical) with Capio Partners, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is my sons debt he was not living at my home and he was XXXX when it happened

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX/XXXX/2016 I discovered negative credit items had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I tried to place a security freeze with Transunion. Transunion processed my credit card for the amount of {$10.00} but then claimed they could not complete the security freeze. This was at XXXX at night XXXX XXXX which I doubt is high load time for their website. They offer not easy recourse to recover the fee they charged.

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 02/27/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with Bank Of America since 2010, first trying to get a XXXX Loan Modification for my mortgage, then, most recently, trying to complete a Short Sale. I was denied a XXXX Loan Modification because the Bank claimed that my so-called " Back End Debt to Income Ratio '' was over 55 %. This was patently false, and I calculated that Ratio to be 32.01 %, well under the 55 % threshold. But the Bank would n't listen. Years later, they insisted that I now do a Short Sale on my house. Well, I have a buyer, and BOA accepted the buyer 's bid, but now XXXX is blocking the Short Sale, insisting on full foreclosure proceedings. XXXX Case Number 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 06/18/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 'm getting repeated calls from Synchrony Financial. I am only a month behind in payments and intend to make my account current this month. I am receiving up to XXXX calls every day including nights and weekends. I just want them to stop harassing me.

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 08-02-2017 about Student loan (Federal student loan servicing) with National Recoveries, Inc. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In XX/XX/XXXX I entered into a contract with National Recoveries , Inc to rehabilitate my direct loans that were in default. I sent them all of the documents they requested, we made a payment agreement, and they started billing my debit card for a monthly payment of {$190.00}. I was told that after making 10 on time payments I would come out of default and be placed with a lender. During the course of the 10 months National Recoveries called me multiple times insisting they never received any documents from me, that my signature was cut off, that I needed to sign all pages on the side and re-fax, etc. I kept faxing documents in spite of the fact that they must have received them because we had established a payment based on my income. At the end of the repayment period, National Recoveries requested that I electronically sign agreement for them to request my tax information directly from the IRS, which I did. My payment was originally based on my XXXX tax return. National Recoveries requested my XXXX tax return despite my contract and payments beginning in XX/XX/XXXX. I worked a lot of overtime in XXXX as I had two sets of loans in rehabilitation and I was paying for my oldest son to go to college. Because my income was higher than the previous year, National Recoveries told me I would have to pay over {$3000.00} or be kicked out of the rehabilitation program. I was unable to pay the additional money. I contacted the department of education and they told me I was never even placed in rehabilitation by National Recoveries Inc. Eventually, after multiple phone calls, the department of ed agreed to start taking my payments through their default resolutions dept. Unfortunately, no matter how much I send, it does n't touch the principal, only interest and fees.
Despite meeting my obligation and making 10 on time payments for the agreed upon amount, I have never been placed with a lender and continue to be in default despite those 10 payments and additional payments I have sent directly to the dept of ed including my XXXX federal tax refund.
Payments made through National Recoveries : XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. XXXXXX/XX/XXXX. XXXX  XX/XX/XXXX. XXXXXX/XX/XXXX. XXXX XX/XX/XXXX. XXXXXX/XX/XXXX. XXXX  Payments made direct to dept of ed : XX/XX/XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX. XXXXXX/XX/XXXX. XXXX XX/XX/XXXX. XXXX  XX/XX/XXXX. XXXX My other set of loans, placed with XXXX, were rehabilitated and placed with a lender. I have been making payments to the lender for 15 months and am in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (FL).
Issue: Trouble during payment process

Complaint: I made 2 complaint to consumer financial protection bureau already round point mortgage altered the terms of my loan by escrowing the taxes and insurance and returned my payment no taking my money I want them to remove the escrow account and reimbursed my my escrow money I made complaint on XXXX XXXX XXXX please help me they altered my payment to XXXX and when I sign contract for 30 years I supposed to pay 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 05/29/2017 about Vehicle loan or lease (Loan) with FIFTH THIRD FINANCIAL CORPORATION (PA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have a car loan  w Fith Third  Bank. I have had a bankruptcy and thru it all i have never missed a payment. I am current in all payments, yet they call my home 5 times a day on weekends and holidays!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MIDCOUNTRY FINANCIAL CORP (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed Chapter XXXX Bankruptcy in XXXX. Heights Finance was included in the bankruptcy. From XXXX Heights finance  showed the account as closed and included in the bankruptcy. In XX/XX/XXXX Heights Finance reported the account as " failure to pay '' for the month of XX/XX/XXXX. This account should not be reporting any delinquency after XXXX as it was included in the bankruptcy. This negative reporting caused my score to drop 11 points while in the middle of underwriting for a mortgage.

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 06/14/2017 about Money transfer, virtual currency, or money service (International money transfer) with RIA FINANCIAL (NC).
Issue: Money was not available when promised

Complaint: Hi, I have been using Ria Money Transfer , Online Money Transfer Agency to  transfer funds to my Friends and Family In  XXXX . Lastly, I sent  XXXX  $ from their website on  XXXX / XXXX /   2017  and the money never made it to the recipient 's account. I kept calling customer service and every agent keeps saying same robotic answer " We have not received response from   the Recipient 's Bank ''.
After waiting 10 days for Money transfer ( SLA is 5 days ), I called   them back to cancel the transaction on  XXXX / XXXX / 2017 . They submitted a cancellation re quest and now it is 5 more days and I am yet to receive my money back. Again I keep calling customer s ervice and I get the same response as mentioned above.     I managed to speak to a  Supersvisor  named  XXXX , The he says the money will be kept locked untill they receive the response from the bank.     The recipient is my dad and his account is not credited with the amount. When Transaction was made they did not respond, when transaction is cancelled, they still did not  respond. I am now worried whether Ria will keep my money locked forever saying the same robotic answer.  Is there a solution for this?

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 08-05-2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: I am writing this letter on behalf of my daughter. My daughter had gotten into a financial bind. She is XXXX and has always tried to be independent. Feeling ashamed of her situation, made the decision to seek help from her bank, Wells Fargo, instead of coming to myself for assistance. 
She has attended school part-time for the last two years to be accepted to a XXXX program. We found out in XXXX that a spot had been secured for her at XXXX XXXX University. This is the same school she attended and received a XXXX in XXXX and XXXX XXXX. She is intelligent, hardworking, and motivated. Unfortunately, she is not well educated in the world of finances or banking. I found out about her finances when I was trying to organize a budget for us when she returns to school in XXXX. 
The help that Wells Fargo gave her left her in a position that she would not be able to get out of for the rest of her life. This started when they told her she had to keep a balance of {$1500.00} in her checking account. This would be impossible for her and seems it would be quite evident by her ongoing banking with them. Wells Fargo 's help consisted of a loan at 12.25 %, a personal line of credit at 11.25 %, and a credit card that carries a 17 % on purchases and a 23.99 % on cash advances. The accounts she was signed up for also carry an annual fee of {$25.00}. She makes her minimum payments. The interest being charged every month is more than her payment. I realize she signed these agreements, but did so reluctantly. The person helping her even stated to her that she " looked uncomfortable doing this ''. She had no idea what any of the interest rates meant or of the charges that went along with cash advances. I tried going into the bank with her and was told there was nothing they could do since she signed the agreements already. However, they were willing to run her credit again to see if they could get her yet another loan. 
I went on their website and not even being a customer ( which she has been since it was owned by Wachovia ) ; I can get a credit card with a balance transfer at 0 % interest and accounts that have no annual fee. They advertise all kinds of help for students. I am wondering why she was not offered any of that help. I do n't even know of a bank that does n't offer free checking and savings accounts ( well, now I do ). 
I have now exhausted all my avenues and put my credit in an unsatisfactory light trying to get her out of this mess. She is unable to get any other financial help in terms of loans for school due to the fact her credit is now maxed out. I am appalled and beside myself that a bank would do this to someone. I feel an obligation to let every unsuspecting and unaware individual know that this financial institution is not there to help anyone, but only for their own gain.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (I do not know) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CMRE Finance debt of roughly {$600.00} appeared on my credit report. I have never dealt with this company or had any medical expenses. I need this item removed as it is negatively affecting my credit.

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 11/22/2016 about Debt collection (I do not know) with Penn Credit Corporation (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Noticed recently that this account was on my credit report and never received a notice for dispute have no clue what the collection is for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (CT).
Issue: Managing the loan or lease

Complaint: A payment in the amount of XXXX was sent to a XXXX XXXX via Paypal Credit on XXXX XXXX, this was sent in error. Two previous payments made from my regular Paypal account in the amounts of XXXX on XXXX XXXX and XXXX on XXXX XXXX, also to sent to XXXX overdrew my account. The payments were made from my checking account and were both returned, Paypal in turn overdrew my account bringing it negative XXXX. I was unaware of this and sent another payment of XXXX to cover both payments, which I thought were returned and not sent to recipient. I have since disputed this transaction with Paypal Credit, however, they keep requesting proof of prior payment, which was already provided to rep who took dispute information over the phone. I called in again on or around the XX/XX/XXXX or possibly week before with the same information, also provided above. Ive also sent this via secure message on Paypal.com. Please note, the payment ( s ) were for services rendered from an XXXX XXXX, she was or is using XXXX XXXX 's Paypal account to receive payments for herself.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 03-02-2018 about Debt collection (I do not know) with CITIBANK, N.A. (NY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint: I dont owe XXXX i never had an account with them I was in jail from XXXX I told them it wasnt me they dont care. they said i must pay it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Credit card debt) with EQUIFAX, INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX a # XXXX paid in full an outdated paid on XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (FL).
Issue: Making/receiving payments, sending money

Complaint: amazon store card was charged for about XXXX dollars for an item that was dysfunctional. returned item to amazon who tells me the card was credited on XXXX/XXXX/2015. Synchrony bank ( the card provider ) does not show credit and says its not their problem. I guess this is business in this country now. Charge anything and just assert your right to collect the money.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have filed a complaint against Trans Union for reporting incorrect information on my student loan. Trans Union reviewed my complaint and on XXXX XXXX, 2016 corrected the late payments on my student loan and responded to my complaint in writing. On XXXX XXXX, 2016, I discovered that the late payments were reinserted into my Trans Union report. Credit reporting agency is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Trans Union needs to delete the late payments on my student loan immediately.

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 05/15/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have set up an account with www.equifax.com to monitor all XXXX of my credit reports. I have noticed several XXXX inquiries reporting on all XXXX credit reports that were not authorized by me in anyway. Rather than submitting XXXX dispute at a time regarding the unauthorized inquiries, I have attached a word document showing all unauthorized inquiries reporting on Equifax. I have included, the XXXX XXXX, inquiry companies ' address and date of inquiry as well below. These unauthorized inquiries need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XX/XX/XXXX, I became very ill and had to take a leave of absence from my job and move in with my family so they could help care for me. I called XXXX XXXX to notify them of this sudden change in my life to see if I could work out a payment plan with them. I had automatic payments set up to take care of the remaining balance over a period of 6 months. 

I was surprised to receive a letter in XX/XX/XXXX informing me that my account had been closed due to non-payment. The customer service representative I had spoken to originally had not marked my account for graduated payments or set up the automatic debit as agreed. I ended up taking care of the remaining balance, but XXXX XXXX would not re-open my account or take ownership for their CSR 's mistake. 

To this day, my credit report states that my account is somehow still open, but that it was also closed on XX/XX/XXXX. My credit report also inaccurately shows that my account was 120 days late between XX/XX/XXXX - XX/XX/XXXX. I was on a payment plan at that time, made every payment on time, and met all the requirements of that payment plan by XX/XX/XXXX, so there is no reason for that to be 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