milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-12-2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Deposits and withdrawals

Complaint: My wallet was stolen on XX/XX/2016. It contained XXXX credit cards and a debit card along with my driver 's license. XXXX credit card XXXX Huntington Bank XXXX XXXX was used to make a fraudulent purchase, which alerted me ( via text XXXX to the theft. I contacted the Huntington Bank customer service and reported the card stolen. New cards were issued to me. On XX/XX/2016, I met with a banker at a branch office. I was told a comment was entered to ensure account security. I was not contacted by the Huntington Bank fraud personnel after my initial notification to them. I reported the driver 's license and second credit card stolen the the appropriate issuers and received updated documents/cards. I filed a police report and reviewed surveillance footage at the store where the card was used. I identified the person using the card as the person sitting next to me at a restaurant. 
About XXXX weeks later, I received a letter in the mail requesting my notarized signature disputing the fraudulent purchase. I signed the statement and mailed it to the address provided. Funds were returned to my credit account. 
Around noon on XX/XX/XXXX, I received a text alert that my Huntington Bank checking account balance was below the set limit. I logged into my accounts and noted that someone had withdrawn nearly all the funds from my checking and savings accounts. I went to my local bank branch within XXXX minutes of the transaction post and learned that someone had entered a bank branch inside a XXXX store in XXXX, MI XXXX out-of-state ) and filled out a withdrawal slip to deplete my funds. According to the assistant XXXX, the banker who conducted the transaction looked at the driver 's license and thought the person looked " enough like '' me to consider it a valid identification. The banker also stated that the person knew the balances in my accounts. The signature on the withdrawal slip does not resemble my signature on file for my bank accounts. The XXXX store had not been contacted to secure surveillance footage XXXX the branch is inside the store ) and the XXXX Police Department had not be contacted of the theft. I went to the branch again the following day to let them know that the funds had not been returned to my account. After repeated attempts by them to speak to an XXXX, the funds were returned to my account before noon. No XXXX has contacted to verify how the bank intends to rectify the compromise to my accounts and information. I am still not aware how the person knew my account balances or why the banker did not protect my funds and my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Been having issues with Bayview Loan Servicing , LLC ( Loan Number XXXX ) since they or the mortgage company they represent purchased my mortgage from XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX. Many charges have been applied/charged to my escrow from the beginning, the most disturbing charge was the increase of my mortgage on XXXX XXXX, from {$1200.00} - {$1600.00}, an increase of {$380.00} due to their Annual Escrow Account Estimation for XX/XX/XXXX, which included the full amount of taxes that would be due for XX/XX/XXXX. However, I 'm in a Tax Relief Program because I 'm a XXXX and my current income, and only required to pay {$38.00} annually for my property taxes. 
I have provided tax relief documents to Bayview for XX/XX/XXXX and XX/XX/XXXX but they continue to show I 'm in the rear with my mortgage. They continue to send loan modification documents which I have not requested. 
I want my statements to reflect my correct mortgage payment which is now {$1400.00} due to this year 's increase of 1 % from 3-4 %. Any associated fees charged due to a loan modification request credit back to my escrow account. 
One of the documents state that I had requested a loan modification, I have never requested a loan modification through Bayview. I had received a loan modification through XXXX initial payment started XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit card or prepaid card (General-purpose prepaid card) with SYNCHRONY FINANCIAL (SC).
Issue: Unexpected or other fees

Complaint: I have account with Synchrony XXXX though a HVAC unit that I purchased, the company set this account up after the unit was installed on my house. I have tried to reason with this company but when one try 's to solve the problem with a representative of the company it never is solved. I just received XX/XX/XXXX statement and their was another late fee charge only because I sent them a payment of {$150.00} my monthly payment amount minis the late fee, well they added another late fee to the {$150.00} + XXXX =XXXX +XXXX =XXXX. If this keeps up I will owe more in late fees then the unit is worth. My payments were only a day late. That 's my complaint no grace period,

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 06-10-2017 about Debt collection (Medical debt) with The TRAF Group (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: collection debt from A1 collections service for {$42.00} #  XXXX  and {$150.00} #  XXXX  both are result of fraud unauthorized services

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Credit card or prepaid card (General-purpose prepaid card) with Blackhawk Network Holdings Inc. (TX).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: Made online purchase at XXXX for {$16.00}. Order was canceled due to XXXX automatically applying an outdated shipping address from my account. They acknowledge the error, and they immediately issued a cancellation notice. I have screenshot and email confirmation. <P/>XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( {$16.00} ) {$16.00} balance has yet to be recovered back to my XXXX XXXX XXXX ( Blackhawk Network ) as of today, XX/XX/XXXX. In detailed conversation with XXXX escalation team, they indicate that their hold on the funds has long since expired ( XX/XX/XXXX ). And so the money should have been recovered back to the available balance of the prepaid card. It has not. I spoke with XXXX ( offshore call center rep for BHN ), who repeated ad nauseum that it takes 30 days for the money to be recovered to the card, and that it is " because of XXXX problem. '' This appears to be nothing more than scapegoating. Since the XXXX hold has expired, there is no outstanding claim against my funds that BHM would be required to cover. This appears to be an attempt to float MY money for as long as possible for BHN 's financial benefit ( float adds up pretty quickly if they 're doing this to thousands and thousands of transactions at a time ). The BHN rep made no offer to assist or resolve, merely repeating over and over that it takes 30 days. The BHN website shows ZERO reference to any hold on the card ( I have a screenshot of the account info, and specifically the " Holds '' section, which is blank ). The BHN rep refused to offer any reasonable explanation as to 1 ) where my money is, or 2 ) why it is not available for my  use ... other than to blame XXXX, and repeating her " 30 days '' script. This is wildly inappropriate behavior for a company to hold consumer funds for such a long period of time -- especially without documentation in our accounts, and without explanation as to the extended period. In 2017, funds availability and holds are routinely resolved same day or next day with every other credit card I hold.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. ().
Issue: Other service problem

Complaint: Hello, On the XXXX PayPal XXXX has permanently closed my account without any prior notice. On the same day I contacted PayPal to acquire any basic information about the situation and the agent told me they can not provide any information and that there is nothing I can do about it. Also I have received a written response from XXXX XXXX XXXX XXXX XXXX PayPal XXXX that reaffirms that they are suspending my account without reason or explanation. 
I have been a member of PayPal the since XXXX and using it for trading on XXXX. Until today I have XXXX cases opened by buyer against me in PayPal. I am a top-rated seller on XXXX with more than XXXX transactions, all validated by tracking number, more than XXXX positive feedback and XXXX negative. 
Many of my customers have contacted PayPal, on my behalf, to validate their satisfaction on my services. 
PayPal has violated its own terms of service, by closing my excellent performance selling account without any explanation. 
I need my PayPal reinstated, to continue my excellent trading activity.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX XXXX, 2015, I sent Experian a dispute regarding a judgement ( ID : XXXX ) that I was notified was showing up on my credit report, however, even through I provided them documentation showing this account was associated to XXXX XXXX XXXX, whereas, I am XXXX XXXX XXXX, Experian refuses to remove the judgement not associated to me. The judgement is question is assciate to my son not me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Struggling to pay mortgage

Complaint: My name is XXXX XXXX. My wife is XXXX XXXX. We have a HELOC with Bank of America. They raised the amount to be paid on the loan by {$1000.00} a month to {$2400.00} a month. We 're trying to sell the home now. We submitted a qualified written request to Bank of America asking for load documents and appraisal documents on XX/XX/XXXX. We also breached the idea of a short sale, having them modify the amount due. 
They have not responded as of this day XX/XX/XXXX. Our understanding is that they have 60 days to reply. 

We have the house on the market but there is no way we 're going to be able to cover the amount of the HELOC and the first mortgage with the price it will sell at. Also we believe that Bank of America did not do a proper appraisal when they gave us the HELOC.
The HELOC amount is approximately {$160000.00}. The 1st mortgage is with XXXX and it is for {$140000.00}. My wife and I believe the house will sell quickly for between {$280000.00} and {$300000.00}

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 02-02-2018 about Payday loan, title loan, or personal loan (Installment loan) with LENDING CLUB CORP (FL).
Issue: Problem when making payments

Complaint: I have been trying to resolve a complaint with Lending Club. Pursuant to the lending agreement, I submitted a request to arbitrate the case. 

Lending Club has not responded in any way to my attempt to resolve the matter. They have since written the loan off as noncollectable. 

I would like to have this case resolved via arbitration per the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted each company to have the inquiries deleted and I was informed to contact the credit bureau and they credit bureaus told me to contact the company. Unsuccessful with both companies and the credit bureaus. I cant seem to catch a break. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I never authorized these accounts or Inquiries. My signature is not on anything. 

XXXX XXXX {$390.00} ... XXXX/XXXX/XXXX XXXX XXXX {$310.00} ... XXXX/XXXX/XXXX XXXX {$490.00} ... XXXX/XXXX/XXXX XXXX XXXX XXXX ... XXXX/XXXX/XXXX XXXX {$360.00} ... XXXX/XXXX/XXXX XXXX XXXX {$590.00} ... XXXX/XXXX/XXXX XXXX XXXX {$1000.00} ... XXXX/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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX breach caused inaccurate information on my credit report sent po report XXXX violation of my cra right remove the inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (MA).
Issue: Struggling to pay mortgage

Complaint: As the file will indicate in the recent past we have had issues regarding the cost to reinstate in order to decide weather to do a short sale, deed in lieu or reinstate.On XX/XX/XXXXI spoke with an SLS rep indicating that we had an offer of {$220000.00}. The SLS rep said that the file was closed and she would send out another short sale package. we never received the package. On XX/XX/XXXX I spoke with XXXX at SLS requesting permission to submit a short sale offer and the reinstatement amount.she said she would fax me the reinstatement amount and did n't think there was enough time to do a short sale.Had SLS sent the application when they said they would there would have been plenty of time. As of today we have not received the promised reinstatement amount. A new request for permission to do a short sale will be sent by close of business today

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 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have a few complaints that I am submitting about XXXX  credit reporting agency. The first issue I have is XXXX XXXX XXXX that is reporting as a charge off account I have submitted a police report years ago about this account was involved with identity theft. I also submitted recently an affidavit for this account again. My next complaint is about XXXX account this account was paid off in full in 2015 in the amount of {$380.00} My next issue is XXXX  XXXX XXXX XXXX that has been removed and deleted off my report but now is reporting again. This account was verified to be removed it should not have been put back onto my 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 03/19/2015 about Consumer Loan (Vehicle loan) with PNC Bank N.A. (MD).
Issue: Managing the loan or lease

Complaint: I have a car loan with PNC bank. In XXXX of 2014 I sent a payment of {$250.00} in the form of a money order. PNC bank lost my payment. After that mishap I began to submit. my payments online, via bill payment. Now this month I submitted a payment of {$300.00}, online as before, they will not release the money to my account. I have proof that I sent the payment and PNC bank still refuses to accept the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I disputed a charge for from a tow company for improper towing of my vehicle on XX/XX/XXXX. I paid for the charge, however expected a credit upon resolution of the case. I was initially credited on XX/XX/XXXX, but was re-billed on XX/XX/XXXX. I was asked to submit more information to support my dispute and provided what was required of me to have my claim continued. On XX/XX/XXXX, they informed me I was credited again, however a 2nd charge back was never given. they asked for more documentation, which I also submitted. On XX/XX/XXXX, they denied my claim and stated they " can only request credits when they can document that the merchant violated an operating rule or regulation, '' which I provided evidence for. I contacted them that same day and asked what was necessary of me to continue this claim. They asked that I provide further documentation, which I did once again. On XX/XX/XXXX and XX/XX/XXXX, they sent a letter stating they had received my documentation and will continue my transaction dispute investigation and may contact me with follow-up questions, but until then, no additional information was needed. Now they claim my case has been sent to the " back office '' for review, however I have been told by a few representatives, my case is closed and has been for over a month now

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX my husband was laid off after 33 years. in order to collect a pension he was precluded from getting a job per the company 's contract.I paid a lawyer for a loan mod because my income alone would not cover our mtg. We were given a mod.by the servicer XXXX The modification payment was more than {$3000.00} that was XXXX. I was doing fine with my self employment business and paying our mtg. up until XXXX. I fell behind on the mtg. because I lost my business due to the crisis. The landlord filed a judgement for failure to pay rent for my defunct business. during my modification XXXX had bought the servicing rights. XXXX, the mortgagor at the time agreed to allow us to sale our family home in writing. XXXX decided not to work with us any longer because there was a XXXX and an IRS lien on the property in which was being worked out but they would n't wait. XXXX XXXX XXXX filed a NOD. We hired an attorney to help with this NOD and the attorney advised us to file a bankruptcy. The attorney that helped us was a scam he took {$400000.00} from us and he ended up loosing his license and no longer can practice law thus putting us in jeopardy. while all this was going on the servicing rights were sold to Rushmore. Rushmore has given us written approval to sell the property our bankruptcy is now discharged, However, today XXXX XXXX XXXX My agent received an email saying the have decided to foreclose. According to SB XXXX no bank that took TARP money can duel track.Rushmore 's email to my agents states that they are going to start the foreclosure process while we are in an approved short sale. Rushmore has changed the amount they want 2 times in 4 mo. The buyer has agreed to pay what they want and instead of giving us a 30 day approval based on the new purchase price, which is a change of circumstance, they gave an 11 day approval. We are almost ready to close but because we asked for a normal approval for 30 days based on Rushmore changing the purchase price they refused to give us XXXX. we are currently approved by Rushmore until the XXXX of XXXX XXXX, however, XXXX of the liens still need to be cleared. We are asking you to step in and stop the duel tracking from Rushmore and allow us a normal 30 days to close. Rushmore has been given a conditional approval by the buyer 's lender which proves the buyer is approved to purchase. with the price increase Rushmore has imposed, the buyer must be given ample time to get the new approval from their lender. we need ample time to get that. 5 days should be enough time. The hud is attached that shows the XXXX purchase price. Rushmore increased the price so much in that they forced out the relocation money they were to pay the sellers from the TARP money they have received. They 're crooks. 

Please help us

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving numerous phone calls at my place of employment from MCM from a XXXX XXXX after I have advised not to contact me at my place of employment. I have not been provided in any letters about any debt resolutions form this company and I would like written verification and phone calls to cease at my place of employment. He has been calling from XXXX ext. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit reporting () with CORELOGIC INC (CT).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: hello I am a XXXX veteran this company ran my report I never gave verbal and or written consent to authorize use and or to run my credit report and this is hurting my credit really bad and need your help removing it. I 've tried to call and talk to these company but never have any luck.

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 09/16/2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2015 my son and I made a cash deposit into our checking account at our bank at XXXX XXXX XXXX XXXX in XXXX OH. It was XXXX We deposited {$2200.00} in cash. The ATM receipt showed we had only deposited {$600.00} We were shorted {$1600.00}. I called the banking center. It was closed. I immediately called the after hours Customer Service phone number to report this. They assured me that they would investigate. I was assigned a " Case Number ''. The bank made a " provisional deposit '' the next day for a total of {$1600.00} We heard nothing else from the bank until XXXX XXXX, 2015 when they debited the {$1600.00} back out from our checking account. I contacted them this evening and the bank refuses to help me, saying that there is nothing further that they can do. I do not know where to turn. My family has banked with this company for over 25 years.

Company response to consumer: Closed with explanation