milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-10-2017 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (AL).
Issue: Problems when you are unable to pay

Complaint: I called in to get a payment arrangement set up on my account and spoke to a representative by the name of XXXX. He was extremely rude and very hostile during the entire conversation. He kept asking questions like why I was n't able to make my payment on time, that when I signed up for the loan I agreed to make the payment on time, etc. I explained to him that I paid majority of the car note and that the automated system gave me until XX/XX/XXXX, that I needed until XX/XX/XXXX which was my pay day to make the payment because I did n't want to fail the payment arrangement. All I needed was 3 days more, the rep became even more rude and began talking to me in an inappropriate manner stating I should n't need the additional time and that I need to keep the arrangement or see if I can get the money from someone. I asked to speak to a manager because he was being rude and he stated he was a senior rep. He stated I have a sub-prime loan and that his company already took a risk at giving me a loan so I need to make my payments as agreed. I began to raise my voice and get out of character with him because I could n't believe he was actually talking to me as if I was a nobody and the money came out his pocket. I 've had my vehicle since XX/XX/XXXX and this was my first payment arrangement, I have never been late on my car payment. Every time I call this place, the reps are nasty and talk to you like you are trash. I asked to speak to management after dancing with him verbally for a few minutes and they gave me the extra days without a problem. I can never get what I need resolved without constantly enduring the lack of customer service from the rude, condescending, very judgmental collections representatives that work for Credit Acceptance. They act like they hate their jobs and the money is coming directly out of their paychecks to finance the customers they have to service. They call you constantly with their automated dialers and they will harass your references as well. Then when you call then to ask then to stop with all the calls, they will have the nastiest attitude. We already know when our payments are due, we do n't need calls 10 times a day and we do n't need our references to be harassed as well. I do n't need my references in my business and knowing when my payments are due. Especially dealing with the reps nasty attitude.

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 09/29/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (CA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: There are XXXX closed accounts for Student Loans on my credit report from Wells Fargo that I did not open.This happened in 2010.

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 02-10-2017 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am a victim of identity theft. I have send letter to Credit Bureaus for blocking Fraud information, but they did n't send me proper notice for that investigation

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 02/19/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (IA).
Issue: Loan modification,collection,foreclosure

Complaint: My home is going to be sold XXXX/XXXX/XXXX. I have been unable to get a modification for several years! I was in so many words, duped and a victim of predatory lending! My loan has changed more times than I can count. I worked seasonal for over 10 years and asked for a modification for my lay-off months and was ONLY adjusted by {$100.00}! In XXXX I became ill with XXXX and lost my job due to DOT requirement 's! I was Still UNABLE to get and adjustment or modification! I was paying {$900.00} for a XXXX bedroom that was listed as a XXXX for 6yrs. When they were notified NOONE seemed to do ANYTHING on my behalf! I just had to BITE the difference! Having SERVED my country, I now wonder several thing 's about the treatment of it 's veteran 's. If NOTHING ELSE, EVERY veteran SHOULD OWN A HOME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Making/receiving payments, sending money

Complaint: I got employed by the company in XXXX 2015. I was give a user name & password where I could communicate with my manager as well as receive my new tasks. 
I got my first assignment in XX/XX/XXXX which I was told that there will be a deposit of {$5000.00} in my account and that check with the bank to make sure that the funds is available then report to my manager for instruction. I was told to withdraw the funds & XXXX ; to send it to XXXX clients in XXXX by using XXXX XXXX XXXX XXXX ; then to scan the receipt & loaded in the systemand also call XXXX to make sure that the funds were available to be picked up. I received XXXX more transfers after that which was instructed to do the same but different clients. 
Two days later my bank statement was showing negative so I contacted the bank & was told that Navy FCU is asking for the money back so I contacted my manager via email & assured me that the issue will be resolved & amp ; that she is working with the financedept & XXXX ; client in order to take of this matter. I emailed her few time a day for the next couple of days since issue with the transfer was not fixed so the third days I was unable tolog in in order to communicate with her since they deactivated my log in & password. I have emailed their HR person as well as the risk management dept chief, head of the investment dept & public relation chief and no one has responded back to me. I have alsocalled my contact that is suppose to be in NC XXXX XXXX for assistance & he has not returned any of my phone calls. 
According to Navy FCU the money was transfer to my account & they have a record of it but could not give me any other information since I am not a client of the ban & XXXX ; my bank has done anything to help me but asking for me to deposit the money that I do not have back i the account. My back never notified me of these transaction instead they suspended my on line profile & that is reason I found out about his issue. 
According to the web site this company has locations in XXXX, XXXX, XXXX & XXXX. 

Total of money owes is {$14000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/2014 I opened an account with XXXX. At that time, they were offering a promotion. They guaranteed that we would be happy with our service or we could cancel within 30 days with no money due and no cancellation fee. We were very unhappy with the service and even had a service call which resulted in no improvement in our internet service. On XX/XX/2014, I returned all equipment to our local XXXX office and was presented a receipt for the returned equipment and had a XXXX balance.

Since then I have had 3 separate collection agencies report on my credit report that I owe {$160.00}. Three times now I have disputed these with the credit reporting agencies and had the entries removed. 

XXXX my shock when we applied for a loan in XXXX and found yet ANOTHER new agency reporting that we owe XXXX!!! The new collection agency is called XXXX, XXXX. 

Something needs to be done about companies such as XXXX continuing to report the fraudulent claims. I have consulted with hundreds of individuals in the past 3 months that have had the same or similar issues. 

I want all items from XXXX removed permanently from my record. Even the XXXX representatives themselves have stated that we have no balance due. I am getting nowhere quickly disputing these on my own through the 3 bureaus because they just come back as a different collection agency.

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 05/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Over the course of the loan which has been o ver ten years  customer service only give information about deferment and forbearance. I found out about income base repayment plans from a coworker. I have been a   XXXX   XXXX  in  XXXX   XXXX   for over  tw  enty years and no one ever told me about the student loan forgiveness program until I learned about it two years ago from a  coworker.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Application, originator, mortgage broker

Complaint: Regarding Reference # XXXX, Bank of America is stating " Unable to Verify Information ''. All information/documents came from either Merrill Lynch which is owned by them or the Federal Government. I provided them with my tax statements from Merrill Lynch, Social Security statement from the U.S. Treasury and certified tax returns prepared by my CPA and were approved by the IRS. 
I believe that the real reason for my decline is racism. I have a fiance ' that lives in XXXX XXXX. This is a real fiance visa matter. I am represented by the Law Offices of XXXX XXXX located at XXXX XXXX XXXX XXXX Nevada XXXX, ( XXXX ) XXXX a prominent immigrations attornorney and have case number XXXX at the U.S. Embassy in XXXX XXXX. In XXXX when you get a job handling money they hold on to your passport, so she could not work while going thru the finance ' visa process so I had to help her out financially. Bank of America noticed my XXXX XXXX money transfers to her and kept questioning me about it. She is XXXX and from XXXX. On XXXX at XXXX XXXX I got a call from the loan department stating to me " so this is a sham marriage ''. Again, the reason for the decline is racism and not the ability to verify my application 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 02/17/2017 about Debt collection (I do not know) with Recovery Solutions Group, LLC (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I 've received multiple phone calls within the week, threatening me with undefined action and that they will be " actively pursuing '' me at my home and place of employment. They do not provide the name of their company, nor information regarding the " debt ''. 
They have called my sister and have left the same message on her home phone. 
The phone number is XXXX ( XXXX, FL ). A XXXX search shows that it might be a company called Recovery Solutions. The message also states that they can be contacted at " XXXX '', whatever that is.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with PNC Bank N.A. (NY).
Issue: Trouble during payment process

Complaint: In XXXX, we ( spouse and I ) took out a Home Equity Line of Credit with XXXX XXXX. PNC Bank took over our loan several years ago after the mortgage crisis. 
Our interest rates were XXXX 4.00 % XXXX years ago when interest rates were raised a quarter pt. by the FED to 4.25 %. 
We contacted PNC Bank and were told the fee to lock into a fixed rate was {$150.00}. We agreed to pay the fee. 
PNC Bank denied our request to lock into a fixed rate because we declared bankruptcy in XXXX. 
We were never late on any payment to XXXX XXXX, PNC Bank or XXXX. 
I lost my job as a government XXXX XXXX due to sickness and surgeries. I am receiving Social Security XXXX. 
Our credit rating is now good in XXXX. 
We contacted PNC bank and requested a fixed rate on our Home Equity Line of Credit every time the XXXX raised interest rates. Our interest expense on the loan is now 5.25 % with the current XXXX  increase. 
PNC denied us a fixed rate every time because we filed bankruptcy in XXXX. 
Earlier in XXXX we contacted the XXXX Department XXXX XXXX XXXX regarding our problem with PNC Bank. They notified us to contact CFPB because they have no jurisdiction over ( PNC Bank XXXX banks that are not licensed/chartered in NYS. Our loan has been and is for our primary residence in New York. 
The XXXX XXXX and House tax plan eliminates the deduction for Home Equity Line of Credit interest expense.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (AZ).
Issue: Wrong amount charged or received

Complaint: I am writing to you concerning the fraud float activity by the company Pay Pal. The account in question involves attempting to transfer funds from the Pal Pay Account XXXX to the confirmed bank account XXXX . On XX/XX/2017 I attempted to transfer a total of {$870.00} in funds to the confirmed bank account. Only {$1.00} was transferred although Pay Pal removed all {$870.00} out of the Pay Pal account. The company is illegality floating on these missing funds and I suspect tens of thousands of other consumers and they need to be fined. I demand {$870.00} in funds be credit immediately to the confirmed bank account or returned to the pay pal account. If this does not occur within 5 days of this letter I further demand an additional {$870.00} in delayed processing damages. 


Transfer Deposit XX/XX/2017 - Transaction ID : XXXX - {$1.00} completed transfer XX/XX/XXXX Transfer Deposit XX/XX/2017 - Transaction ID : XXXX - {$1.00} missing Transfer Deposit XX/XX/2017 - Transaction ID : XXXX - {$1.00} missing Transfer Deposit XX/XX/2017 - Transaction ID : XXXX - {$870.00} missing Total transfer {$1.00} Total missing funds {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Credit card () with SYNCHRONY FINANCIAL (LA).
Issue: Credit card protection / Debt protection

Complaint: In XX/XX/XXXX, I used Care Credit ( now Synchony Bank ) to pay a doctor bill due to lack of insurance. I was told that if the bill was paid within XXXX months, it would be interest free. The original amount I borrowed was XXXX. I had paid the bill down to around XXXX when the promotional period was to end. I received a statement that the interest accrued on the account was XXXX and this amount along with the previous balance was now due. I called Care Credit/ Synchrony bank to ask what I would need to do to pay off the account as interest free. I was told to send a payment of XXXX by XX/XX/XXXX and that would pay my balance. I went to my credit union to borrow the money. They also verified with Care Credit/ Synchrony the amount due. They sent a check to payoff account. In XXXX, I received a statement showing balance of XXXX. When I called, I was told that these were for XXXX late feesXXXXXXXX ( XXXX ). I explained that when I originally requested my balance, it was supposed to cover all charges. I was told it did not. I asked for the total amount I paid into the account. I was told I paid a total of XXXX. I stated that if the original amount borrowed was XXXX, then the late fees were paid ( XXXX - XXXX = XXXX ) I was still told they were not. I asked to speak to an account manager. After being put on hold for a long time, the account manager finally came on the line. When I explained the situation to her as indicated above, I was asked to hold again while she reviewed the account. After another long hold, she came back and told me that I had only paid XXXX on the account. I told her that I would like a copy of all transactions on my account from beginning to end. I also told her that even if I had only paid XXXX, then I still should have had a balance of XXXX. She said it was interest on the late fees. I explained that I felt like me and my bank were mislead, she was rude and insisted that I owed the balance. I asked to speak with whomever was her supervisor and was told the Operations Manager was XXXX XXXX ( I think this is the correct last name ) but I would need to leave a message because it was a message line. I called and left a message on XX/XX/XXXX and XX/XX/XXXX and still not have received a response. Is there any remedy or agency which can help me in this situation? 


ThanksXXXX XXXX (

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (CA).
Issue: Trouble during payment process

Complaint: This is a follow-up to a prior complaint I filed with the CFPB - complaint #  XXXX . I filed that complaint on  XXXX   XXXX ,  XXXX .     In brief, I am th e administrator of t he estate of my late mother,  XXXX   XXXX . She took out a reverse mortgage in  XXXX  with Reverse Mortgage Solutions , Inc .     My mother passed away in  XXXX   XXXX , and I was name d administrator lat er in the year.     In  XXXX   XXXX , the estate paid off the reverse mortgage, and paid more than was actually owed because  Reverse  Mortgage Solutions di d not give us a final payoff statement until foreclosure was imminent ; given this, to avoid foreclosure, the estate purposefully paid more than we had been told  may  be owed. This worked ; the estate paid the loan in full ( and then some ), no foreclosure occurred, and I have received the cancellation of the security deed.     After the loan was paid, I contacted Reverse Mortgage Solutions several times, asking both for reimbursement of the overpayment amount and for an itemized explanation of some late-appearing charges on the eventual final payoff statement. The company ignored these requests, so I filed the  XXXX   XXXX  complaint.     On  XXXX   XXXX ,  XXXX ,  Reverse Mortgage Solutions  replied to that complaint, and separately sent me ( as  administrator f or my later mother 's estate  )  a check for {$6300.00}, which apparently is intended to cover the amount the estate overpaid to pay off the loan ( which was {$2400.00}  )  as well as the apparently changed calculation of costs and fees the company claims were owed.     But I have several remaining questions.     The company 's response now itemizes the costs allegedly incurred for 'corporate advances ' and 'outstanding fees and costs '. Initially, these charges are very different than those shown on the  XXXX   XXXX  payoff statement, yet are offered as dispositive now without any explanation for the changes.     Beyond this, the biggest line item under 'corporate advances ' is a charge for {$1700.00}, purportedly for taxes paid by RMS on behalf of the property owned now by the estate. Although the itemization does not specify what taxes were supposedly paid in this amount by  RMS  for the estate, it is the exact amount billed by  XXXX   XXXX , Georgia in  XXXX  for property taxes owed on the property, so presumably represents that amount.     But the estate paid that bill. See the attached check, showing a payment in that exact amount by the estate to  XXXX   XXXX  on  XXXX   XXXX ,  XXXX .     Thus,  RMS d id not pay that bill for the estate, and can not seek reimbursement for it from the estate.   RMS  owes that {$1700.00} to the estate.
Once RMS responds to this point, I can address the other questions. Thank you again for your assistanc  e in resolving this matter.      XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Deposits and withdrawals

Complaint: I deposited a refund check from my daughters school via my online mobile banking App. The check was made available a few days later and I paid a few bills and did XXXX transfers to my kids checking account. Later that same morning there was an extended hold placed on the check which caused an overdraft of over {$600.00}. I called the bank to find out why the hold was placed and they said they were having a problem verifying funds with the issuing bank. I called the issuing bank and was able to get through to them to verify funds and explained to them what the issue was and they told me all my bank had to do was call the same number I did. I waited a few days and then contacted the school which put me in touch with the finance office of the company where the check was drawn. They informed me that the check has cleared and has already been paid to my Bank. I called the bank back and they are unwilling to release the funds and said that they are still trying to verify funds. I have deposited XXXX of these same refund checks drawn on the same bank since XX/XX/XXXX and have never had a problem. I feel that this is just another way for Citizens bank to get fees from me, the check has already been paid and I would like my funds released immediately. I have not been able to buy gas, food or pay any bills and I am extremely angry. They have placed a hold on my account until XX/XX/XXXX which I think is outrageous. If this mater is n't resolved I plan on going to the media and filing a law suit against the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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: On XXXX XXXX I received a letter from this auto lending company XXXX XXXX and when I spoke with them via phone they explained that they would remove this transaction from my credit report that shows 3 times over XXXX days late I am attaching a letter that shows that this matter was settled these transactions should have been removed from all three Credit Reporting Agencies XXXX Experian and XXXX  because they agreed to remove these transactions they are now along with XXXX  XXXX and Experien in violation of the Fair Credit Reporting Act.

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