milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-04-2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX MORTGAGE LOAN IS ESCROWING insurance premiums when Insurance company informs me that I am poying monthly on the insurance premium.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I was not granted any minimum payment forebearance waiver.  I did not make my XX/XX/XXXX minimum payment.  That is the help I needed in XX/XX/XXXX related to Hurricane Irma!  The help provided in the Bank of America response is of no help.  I will be filing complaints with the NAACP and ACLU.  I'm not satisfied at all.

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 01-12-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I had loan forbearance on loans I took out in XXXX through most of XXXX XXXX. Upon finishing my XXXX in XXXX I paid off the entire loan. Then, beginning in XXXX, Navient claims that some money was left on the loan. When I called to ask, they said that interest might have accrued on the loan in between when I looked at the amount due and when the loan was paid. But they were uncertain what had happened. When I looked, that was not the case. Interest was added on the last business of the month, and the loan was paid on XXXX XXXX using the total amount due on XXXX XXXX or thereabouts. I asked Navient to have someone look at this for me, but they have not contacted me about it in three weeks. In order to avoid default, I paid the {$100.00} that they said I owed. But I would like to get that money back if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Prepaid card (Gift or merchant card) with AMERICAN EXPRESS COMPANY (GA).
Issue: Managing, opening, or closing account

Complaint: XXXX is a credit card from American Express created in conjunction with XXXX.I had my back pay from XXXX XXXX deposited on this card.They currently have XXXX of my back pay money held captive and wo n't release it to me.They XXXX froze it because of a spending limit being reached.So I asked to have the balance wired into my bank account, but they said they could n't do it.So, I asked if they could wire it through XXXX XXXX ; they said they could n't do that.So, I asked if they could mail it to me, they said yes, but I have n't received it yet.it 's been a few days short of a month since their promise to mail it.They keep giving me XXXX story after another.It seems to be just XXXX lie after another.I just want my money.Neither my wife or I work.We desperately need this money to pay bills and to take care of our kids.Can you please help us get our money from American Express or XXXX XXXX ; or whomever has a hold on our money.This has been going on now for over a month now.I call customer service, they put me on hold, and they come back a few minutes later with fake promises to get me my money.They claim to have put a trace on the check that they suppose to have mailed on the XX/XX/XXXX.I have n't gotten any feedback on that trace yet.They just keep telling me whatever sounds good to string me along further and further.So, I 'm currently pursuing legal action because I do n't know what else to do.I 've given them ample time to release my funds but they wo n't. If you can help me, please do.My family and I would greatly appreciate it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/30/2016 about Bank account or service (Checking account) with PNC Bank N.A. (MI).
Issue: Account opening, closing, or management

Complaint: Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX a {$15.00} per month Service charge was leveled against my checking account for a total of {$180.00} prior to this no service charge was charged. I complainded to the bank on XXXX/XXXX/XXXX and they refunded {$15.00} and said sorry they could not refund the rest. After speaking to bank manager She said " No bank would give back the service charge. '' I wish to file a complaint and recieve all of the service charges returned. The bank offers a free checking for anyone over XXXX with no service charge at all. I am XXXX and very easily quialfy for this account

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (WI).
Issue: Struggling to pay mortgage

Complaint: Wells Fargo turn ed a mortgage modification into a nightmare. They lied, misled and hid information that would have helped with a HAMP/HARP modification . Wells Fargo put us into a 3 month trial period program at half our mortgage amount. This gave us hope, even after three months of paying we received a congratulations letter saying we were accepeted into the program and to expect the paperwork in the mail. A month later I called and asked where the paperwork was and WFHM said to keep sending that lower amount. Ten months later they sent a letter saying I was out of the program because the investors did not want to do the deal. When I asked what I should do they had me complete another loan modification HARP/HAMP application. Then two months later, they said I was out of the running because I did not send the proper documentation, after saying  I no longer needed to send said documentation every month. At that point, I stopped paying. A month later they started the foreclosure process and I got a ( bungling ) lawyer. Foreclosure was filed in  XXXX  of  XXXX . Then we were in courts and depositions, then bankruptcy, all to save the house. In  XXXX  of  XXXX  the bungling lawyer finally made his last mistake and everything ruled against me and my wife. Foreclosure was to proceed on  XXXX   XXXX ,  XXXX . We are now out of the house as of  XXXX   XXXX ,  XXXX . There are a great deal of additional details, but that is it in a nutshell.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Client was sued by Midland Funding in XXXX XXXX on an account stated. Midland Funding, in its complaint, stated that the date of default was XXXX XXXX. It also alleged that defendant last made a payment on the account in XXXX XXXX. When Client asked for discovery, she was provided with XXXX account statements. The final statement, dated XXXX XXXX, XXXX, states a {$0.00} balance. No evidence is provided that Client made a payment after XX/XX/XXXX, other than a single sheet of paper that looks like it was printed from Midland Funding 's own records which simply provides a summary of the account and says that the last payment was in XXXX XXXX. Client believes this case is barred by the statute of limitations and has several other affirmative defenses. There was also no substantive evidence provided that Midland Funding owned the account. 

This case is still ongoing despite the consent order issued earlier this month in which the CFPB was involved and which describes such behaviors as being illegal and directs Midland Funding and its agents to cease its wrongdoing. This case should never have been filed and appears only to have been filed in the hopes that Midland Funding could continue its abuse of our justice system to obtain a default judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: XXXX I checked my free credit reports ( it is actually very difficult to do, as the system does not work optimally ; I was able to pull up only one free report ). Because I had to pay for others, I also got my XXXX score. It was above XXXX. Imagine my shock when my credit union told me that Experian was reporting my score at XXXX. It makes a huge difference in the interest rate I can get. Ex. lists a delinquency in my report and other problems that neither I nor the credit union saw XXXX in the actual report ). I have credit history from 1982, and only XXXX 30-day late payment in all that time ( from XXXX ; also subject to a dispute ). It is inconceivable that the score would be so low. Experian needs to correct the errors, so the score may be adjusted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (Medical debt) with Midwest Recovery Systems (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Negative derogatory marks has been placed on my credit file from a collection agency and is now damaging my credit ... i have no ownership of such debt ...

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (FL).
Issue: Struggling to pay mortgage

Complaint: not sure where to start. My husband had a XXXX XX/XX/XXXX.Our mortgage company XXXX XXXX XXXX took over a year to help us with a modification. After 14 months of taking the permanent modification payments they told us we did n't meet the guideline. no explanation. The mortgage was sold to Fay Servicing. Again no help. I received a foreclosure letter dated X/XX/2017 when i called Fay Servicing thy told me they did not have this information and to fill out yet another modification package, which did and they showed up at the house with a cash for keys agreement & release. The house was foreclosed and sold. My children live there and now apparently have to move but we have n't heard when.There is plenty more that happened but I am at a loss onwhere to begin.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act XXXX XXXX XXXX a ) ( XXXX ) ( XXXX ), the credit bureau is required by federal law to verify the physical verification of the original signed consumer contract with the company. I have sent letters for validation to this bureau and they have not provided me with proof that this account belongs to me. The company name is XXXX, account # on file is XXXX ... .. The credit bureau is reporting inaccurate information and I have no knowledge of this account. I have not signed for an XXXX loan. Under the FCRA, unverified accounts must be removed and if the bureau is unable to provide me a copy of verifiable proof, they must remove the account.

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 07/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: From XXXX XXXX to XXXX XXXX, I received XXXX calls from One Main Financial, placed from phone numbers XXXX, XXXX, XXXX, and XXXX. XXXX of those calls were made to me at XXXX and XXXX call at XXXX When the calls went to voice mail a message was left telling me to contact One Main Financial about an important financial matter. When I called, they wanted my loan number ( I do n't have XXXX -- I have no financial dealings with One Main Financial ) or my social security number, which I refused to provide since I do n't know if this company is legitimate. On the occasions they reached me directly, I would tell them the person they wanted was not at this number and they should stop calling me, but the calls continued. I gave them my name and phone number and they acknowledged they had no record of me in their database. From XXXX XXXX to XXXX, I called them daily telling them to stop placing calls to my phone number and was told a supervisor would take care of that, but the calls continued. Finally, on XXXX XXXX, I was told that they were calling XXXX and trying to reach XXXX XXXX or XXXX XXXX. The operator had no idea why she had incorrectly called my number, which differs by XXXX digit, but that she would report it to a supervisor. Most of the calls were received on my voice mail, and when calling the number they left, it was difficult to reach a live operator, the operator refused to direct me to a supervisor, and promised to fix the problem, which was often not done. No operator was available after hours in Texas. Calls were placed outrageously early and interrupted my sleep. No one ever apologized for the disruption of having debt collectors unjustifiably calling my number several times daily, filling up my voice mail, and possibly conducting fraud by asking for my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Checking or savings account (Checking account) with U.S. BANCORP (NV).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: On XX/XX/2018, it was noticed my US Bank Checkings account was closed - It was noticed because our debit cards were declining, so we checked the app and online and the checking account was gone. No notice, no calls, no warning. It was positive ~ {$1800.00} and had no NSFs, no bounced checks, nothing. Banks are not telling us anything nor are they refunding the money. They completely erased 100 % of the statements and records.

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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XX/XX/XXXX a letter was sent to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX requesting a hard inquiry be removed from my credit file. Inaddition, the same inquiry was disputed with Equifax ( credit agency ). XX/XX/XXXX a response letter was received from XXXX XXXX XXXX ( Credit Bureau Specialist ) requesting additional information ( i.e. Credit Reporting Agency Name, Social Security Number, and Specific Inquiry Date ). XX/XX/XXXX a follow-up letter was received by Specialist XXXX stating the inquiry was valid. Neither XXXX nor Equifax have provided any proof of validation from their investigations. XX/XX/XXXX, I contacted XXXX XXXX by phone and spoke with a supervisor and a different Credit Specialist who stated no records of this inquiry was on file. However, my current credit file shows different. I 'm request the removal of the specific inquiry from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I am filing this complaint against the unlawful practices of Bank of America that takes advantage of its vulnerable customers. I am a customer of Bank of America since XX/XX/XXXX. My checking account has settings to prohibit any debits, charges to and transfers from the account if there are insufficient funds to cover the transaction. Unfortunately, Bank of America does not honor its end of the bargain and on a separate occasions let my checking account debited, and the next day slapped me with {$35.00} late fee. It happened last year. I asked the bank not to honor any transactions in case of insufficient funds, but it did. The bank never refunded my {$35.00} late fee. It happened again this year. Bank of America allowed the transfer transaction to hit my checking account though I had insufficient funds, then conveniently slapped me with the late fee the next day. 
My second concern with the bank 's unlawful practice is the Alert system. With other banks, such as XXXX, XXXX, I get notified right the same moment any transaction happens in my account. However, Bank of America failed to alert me the same day about the insufficient funds in order I could rectify the situation and deposit the funds. Instead, Bank of America sent me the alert the next day- XX/XX/XXXX at XXXX. I immediately deposited the check to cover the difference and called the bank to see if any further actions were needed to take care of the insufficient funds. The rep asked me to call the next day - on the XX/XX/XXXX to get my credit back. Today, XX/XX/XXXX I called twice, spoke to XXXX who refused to credit the late fee, and did not transfer me to her supervisor XXXX , stating that the latter would not credit the late fee.Then I called again and spoke to another rep, and then her supervisor XXXX , who also refused to credit the {$35.00} late fee. Also, in response to my inquiry that this is Bank of America error, as it failed to notify me on a timely fashion about the negative balance in my account, as well as it allowed the transaction to go through in spite of my prohibition in case of insufficient funds, this supervisor said that Bank of America will do this again in future, if it wants - '' This is at the discretion of the 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 monetary relief
Consumer complaint received 10/30/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: I went to XXXX, looking to open up a bank account and was told I could n't do so because there 's fraudulent activity on my banking history. I then contacted chexsystems to see what they were talking about and it says there 's a charge off amount for {$330.00}. I 'd love to know why this is there, and what I can do to remove this from my history.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I asked for my yearly credit reports from Experian, XXXX online. I never received any of the reports. I did this in XXXX and around XXXX I checked with all to see if my annual reports of hard copies had been sent to me. The hard copy reports had not been sent, but XXXX XXXX, and XXXX stated they had been sent, but I never received them. Experian would not even let me check to see a status unless I bought a XXXX look to see if it was there. I have till this day not received any of them, and I have a dispute I want to check with XXXX, and they will not even let me see my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Forbearance / Workout plans

Complaint: my capital one card account charges my bank several times after a decline of the initial charge. This occurs several fees on each occasion and is drastically reducing my ability to pay my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I contacted Medical Data systems since the last complaint to the CFPB. I contacted them twice on X/XX/2017 the first persson I spoke to was very rude and I let her know I never recived anything in writing and she went on and said have you been checking your XXXX XXXX in a sarcasm manner I told her yes and I still have not received anything from this company. She also never offered to send me anything else she just told me to pay the {$100.00} I told her I will pay them there money if they delete it off my credit report and they refuse to do anything. The second lady I talk to looked at the ladys notes from the call before and she hung up on me and that is very unprofessional. So I 'm very upset with Medical Data Systems. I also informed the first lady I will be filing this 2nd complaint with the CFPB and be contacting an attorney. Her response was go ahead and file another complaint with the CFPB. If your going to hire an attorney she said you just need to pay the {$100.00} you owe us very rude.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (SC).
Issue: Money was not available when promised

Complaint: We have a sellers account with e-bay and when we sell something the money is transferred to our pay pal account. On XXXX/XXXX/XXXX we received an email from pay pal stating that a hold was put on our account and all monies were being held for 180 days. 
The reason given was that we violated our agreement with pay pal. First of all the sale in question was for {$18.00} and they are holding over {$1000.00} of our money. They are saying the product is in violation of their policy, We have never been given a list of prohibited products and have been selling this particular product for months without any problem from e-bay or pay pal. For this company to hold our money for 180 days is fraudulent, We have called customer service and gotten the run around several times telling us to e-mail a department in pay pal, which we did and got no response. We sent in formal complaints and only got the response that our appeal was denied. We subsequently send a long letter to 34 e-mail addresses for pay pal giving them till the XXXX of XXXX to respond. We have gotten no response as of today. WE have a case number XXXX. We want our money back now, there is no legal reason for them to hold it. We will gladly cancel our account and do business elsewhere if that 's what they want. 
Please file a complaint for us on our behalf. We are also going to BBB and the XXXX XXXX  XXXX office, Thank you. XXXX XXXX

Company response to consumer: Closed with non-monetary relief