milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2016 about Mortgage (FHA mortgage) with U.S. BANCORP (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I had to have XXXX in XX/XX/2016, XXXX months after purchase of my home. I fell behind in payment for that month, but continued to pay accordingly. Call US Bank XXXX, MN, for assistance, they stated they are unable to assist me unless I 'm behind on payments. 
I pay my mortgage on the last day of the month, then the XXXX of the next month I 'm considered late and am now accessing late payments. They kept giving me choices that were not feasible for my situation. ( i.e Forbearance for a couple months with a lump sum at end ... ) Unable to catch payment up. I even asked if I could pay XXXX and XXXX weeks later pay other they declined .So I had to assist an XXXX bureau in order to get any type of real assistance with account, well I 'm in a modification now, now they are requesting information that supposedly verification of employment can not provide. I have supplied verification of employment numerous times and they are not accepting what is being provided. I advised XXXX that the company states the job verification line supplies the info, they do n't want to piece the information together. I asked if my job is unable to supply the information due to their ( corporation ) policy what is next step? We will have to remove you from program. This is assistance to someone that has requested help before it got to be too much, had medical issues, and is just trying to keep her home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Medical debt) with American Accounts & Advisers Inc. (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving telephone calls on my mobile phone from American Accounts & Advisers ( AAA ) out of XXXX XXXX Minnesota. Today someone who identified themselves as " XXXX XXXXXXXX '' called my mobile asking for someone else. He proceeded to tell me about how they did not have a good number for this person and " thought they would call me ''. I asked why he would call my cell phone when I was not this person. He again said " we do not have a good number ''. I asked if I was listed on the account as a contact and he said " no ''. I asked him " then why are you calling my cellular phone '' and he said he had a personal business matter with the person ( and again gave their FULL name ). I asked if it was a collection and this was " skip tracing '' and he said " yes '' - illegally disclosing that this was a collection. He then ended the call without allowing me the chance to get a word in edgewise to tell him not to call my mobile number. I called back and he would not answer the telephone. I called the company and asked for the supervisor ( who turns out to be the owner XXXX XXXX XXXX but he also would not answer the telephone. 

I have been in contact with the person they are calling MY mobile number for and have been disclosing information about and let her know what happened and the violation of her rights that has taken place. Needless to say, she is irate and plans to take action herself as well.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report

Complaint: We filed for a Chapter  XXXX  Bankruptcy and ha d a Wells fargo Home Mortgage  at the time. When we came to the end of the Chapter  XXXX ,  Wells Fargo sent us a Mortgage Modification Plan, wh ich included making three payments during a trial period. We made the payments on the dates they requested, and we have all documents to prove the payments were made.     Once the payments were made, we entered into a mortgage modification. We have since discovered that the payments we made were reported as late, affecting our credit. We have tried to resolve this with "  XXXX  '' from  Wells Fargo, but he h as now reported he will not change the information.     Our complaint is that since we never received any documentation fro m Wells Fargo sta ting that if we made the mortgage payments during the trial period, it would affect our credit. We believe that since we were not notified of the possibility of the negative credit reporting to our credit if we made trial period payments, the reported late payments on our credit should be removed.

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 01/28/2017 about Prepaid card (General purpose card) with U.S. BANCORP (NJ).
Issue: Fraud or scam

Complaint: My daughter gave me a Mastercard Debit Card ( it was either for XXXX XXXX XXXX ( XX/XX/XXXX or XXXX in XX/XX/XXXX ). I carefully put it away until I took my grandson out to lunch for his XXXX. Birthday on XX/XX/XXXX. The waitress said the card would not register the {$25.00}. I called Mastercard only to find out that US Bank National Association had retrieved all of the {$25.00}. They directed me to read the find print on the back of the card. In the fine print on the card it said that if it was n't used in 12 months they would deduct {$2.00} a month after 12 consecutive months of inactivity. The card read-valid through XX/XX/XXXX. There had not been 12 consecutive months of inactivity. Even if I received it in XX/XX/XXXX, I was using it in XX/XX/XXXX which would mean only 8 months of inactivity. I could not get them to answer why the money was taken out before the 12 months were up. I wrote a letter to Mastercard at XXXX, NY XXXX on XX/XX/XXXX asking them for an explanation as to why there was no money left on the card The letter was sent back unopened on XX/XX/XXXX. I know this must be a petty thing but it was embarassing and {$25.00} would have gone a long way in helping pay that bill. Plus the fact that they never answered my question about why the money was gone before the 12 months were even begun. This seems like a scam to 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 explanation
Consumer complaint received 05/15/2015 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am the sister and filing the complaint against the mortgage company for lack of corporation in filing for a loan modification for my sister. I have legal attorney and have provied at least XXXX applications for the loan modification. Every time I try to talk with the agent who is handling my sisters loan mod. I can not get to talk with them. I am referred and connected to another representative who just repeats the same information over and over again. I have submitted over XXXX inches of documents to the mortgage company, XXXX letters of hardship, income, tax records, bills, and profit & loss statements to the mortgage company. I feel for sure they are stalling and not providing information or help with this loan modification so that they XXXX foreclose on my sister 's house. We as her family can not address any of her other credit issues until we are able to address help with her mortgage. Her XXXX co-pays and doctors use up all of her money just to get medical help. We have tried to re-fi and paid a company Home Eguity {$500.00} which came to no end. They just used our money. The house did not appraise to help. I have also contacted NACA for help and they have supplied papers and phone calls to the mortgager with no help at the present. Together XXXX of us have been working with the mortgager for 3 months and supplied everything we were requested and still no loan modification. Neither the family nor my sister can afford an attorney. We have been trying to straighten out a very bad financial situation and will continue, we just need some corporation from the mortgager before we can address any other issue. My sister is on XXXX and can not speak well or deal well with financial matters at this time, she has just come from XXXX for most of her career. We are told by the mortgager every time we submit documents that they request, even if it is the same document they already have, we must wait 5 days before we know if they will take the information and do the modification or ask for more information. The same information has been submitted over and over again. By me and NACA and still now they say we must wait until XXXX XXXX, 2015. In the mean time they have turned my sister over to their collection department. No she may loose her home before we get a chance to settle any financial matters. She gets upset every time some XXXX calls and I am trying my very best to help prevent her home from foreclosure. So has NACA, but neither of us is having any luck in communicating with the mortgager.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with STERLING JEWELERS, INC. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have submitted a complaint already with Kay Jewelers and have to submit an additional one this week that a representative is now calling me under a false called ID called Green Tea diet. I answered- and the lady said she was from Kays and immediately rushed to the subject of my debt, I told her that I said to them to stop calling me on XX/XX/XXXX, and I have received over 30 phone calls since then of them and another company with them called Sterling Jewelers , and I told this lady I will get with my debt after I get my police report from an office to fax to my jewelery insurance, and I said once again to stop calling me that my " attorney '' is documenting all calls and she proceeded to ask who my attorney was at that point. I was so furious that they are now calling under false names and now asking information that is none of their business. This is insane!

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 05-06-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Long story short when I refinanced after the first year to lower my interest rate Wells Fargo never bothered to check the current property taxes. 
The property taxes literally tripled but when Wells Fargo took over the loan they used a year old settlement statement instead of making sure the impound was sufficient to pay the taxes. Even after Wells Fargo paid a supplemental tax bill that was substantial nearly a year ago they never did a Escrow Analysis until XXXX 2016. Which means the impound account went over for nearly a year before they did a new Escrow Analysis. Now Wells Fargo demands that I pay them XXXX sum odd dollars before XXXX XXXX, 2016 or my mortgage payment go from XXXX a month to XXXX a month for a year to pay back the XXXX and the new amount needed to pay the increased property taxes. I like most have my taxes impounded so I do n't get in to this exact situation. So now I 'm having to beg Wells Fargo to modify the loan so I do n't starve to death or loose my home. I 'm XXXX years old and was laid off after 7 years employment due to oil prices. I have a new job but the pay is substantially lower am I 'm devastated at Wells Fargo course of action. I am having to beg them to modify the loan and being treated like I 'm in default! All my payments have been on time so why is this happening when I did every thing I was obligated to do according to the loan docs?

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 11-01-2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I sent an id theft affidavit to Equifax to block XXXX items that were opened in my name by someone else. They sent back a notice that they would not block the item without a police report. This is a violation of my rights under the Fair Credit Reporting Act. When this act was amended in 2004, the credit bureau representatives who came to train on the differences clearly indicated that a police report was NOT mandatory. Indeed, they provide copies of an ID Theft Affidavit ( attached ) that could be used to identify the item. 
Section 605B clearly indicates that a copy of an identity theft report would be required but not that it must be a police report:605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
But like the credit bureaus have done with sending letters extending a mandatory 30 day time frame for investigating disputes ... changing the 7 year time frame for reporting Chapter XXXX bankruptcies after 40 years ... .and not allowing consumers to have their disputes removed ( who else but consumers would know they are no longer disputing ), the bureaus have simply changed the rules without changing the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America Have Started A Foreclosure Action Against Me On XX/XX/2015 And They Do n't Have Legal Standing, Right Or Legal Capacity All Documents Submitted on The At Bar Is Fraudulent See case At XXXX under Civil cases XXXX Or My Name XXXX XXXX See Case XXXX Also XXXX .vs XXXX XXXX , the never responded to my RESPA AND TILA IN VIOLATION OF US AND STATE LAWS.

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 09-11-2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Late fee

Complaint: Dear Consumer Financial Protection Bureau : I am making a COMPLAINT and want to express my uttermost displeasure with the way Goodyear Credit Plan/Citibank has been harassing me about a credit bill that we paid in full!!! The credit card was issued for the purchase of XXXX tires at XXXX on XXXX XXXX, XXXX. 
Goodyear/Citibank representatives continue to call my cell phone at least 3 times daily. Below are the phone numbers they have used : XXXX XXXX ( XXXX XXXX KY XXXX XXXX ( Texas ) XXXX Sometimes I answer and sometimes I do not. Every time it 's always the same story. They want to help resolve what they contend is an " outstanding debt '' but what we contend is a " debt paid in full! ". Furthermore, the Goodyear Credit Plan/Citibank representatives talk to me in a very demeaning, demoralizing, and repugnant manner. I tell them that their company is trying to force me to pay on an account that I have already paid the final balance based on the promotional agreement! The promotional agreement allowed me to pay off the financial obligation in 6 months. 
In XXXX XXXX, I purchased XXXX tires from XXXX XXXX that cost {$1000.00}. Goodyear Credit Plan/Citibank approved me credit arrangements to be able to pay off this debt in 6 months. I was told that as long as I paid the debt off in 6 months, I would not be subject to any financial late fees and interest charges. This has not been the case because now Goodyear Credit Plan/Citibank continue to harass me into making payments for those same fees and interests that I am not obligated to pay. 
I made six payments of {$170.00} on the dates in XX/XX/XXXX ( See XXXX XXXX XXXX Statement ) : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX The six payments totaled {$1000.00}. The costs of the tires was only {$1000.00} ; therefore, I have paid off the obligation in six months which was reflective of the aforementioned agreement. Now, Goodyear Credit Plan/Citibank wants me to pay the additional fees and interest charges of more than {$290.00} ( probably more now ), which I am not obligated to pay based on the prescribed agreement. 
I refuse to pay these outrageous and unjust charges because I do n't believe I should. 
This account is XXXX. 
I am attaching other pertinent documents.

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 04-06-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (PA).
Issue: Other transaction issues

Complaint: I recently opened an account with PayPal. I purchased XXXX PayPal " MyCash '' cards ( PPMC ) for {$500.00} each and loaded them to my account in anticipation of making a few purchases on Ebay, the parent company PayPal. PPMCs are sold at various retail establishments, and in my case, I not only was required to show identification when I purchased them, but I also kept all receipts related to such purchase. Via a website that is, upon belief, authorized and/or maintained by PayPal, I loaded the PPMCs to my PayPal account. Because of limitations imposed by PayPal of {$500.00} of loads per day XXXX and {$4000.00} per month ), the XXXX PPMCs I purchases were loaded to my PayPal account over two consecutive days. 
Approximately one day after the second PPMC load ( which was within the guidelines and rules established by PayPal ), I received an email from PayPal that my account was limited due to what was described as " high risk '' activity and that PayPal would be freezing my $ 1K in deposited funds for 180 days in order to make sure there were sufficient funds to cover any payment reversals. 
I telephoned PayPal and spoke to a representative in its " Account Limitations Department, '' and was told essentially the same thing that was related in the email. Although I explained, and the representative conceded, that there were no payments made ( and thus there could not be a basis for any payment reversal ), I was told PayPal would not change its position. I also offered to provide copies of my PPMC receipts and other supporting documentation to establish that my purchase of the XXXX subject PPMCs was bona fide, but this offer was rejected. 
PayPal 's actions are unjust, unfair and punitive in nature. While I recognize the need to have certain loss prevention policies in place, I believe there is something fundamentally wrong with a system that cites this as a justification for detaining a customer 's money but does not provide a route for appeal or other process that would enable a customer such as myself to refute the implication raised through clear and convincing documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (OH).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/2016 my wife and I sent an overnight package containing documents for possible loan modification to Freedom Mortgage 's loss mitigation department. I have called multiple times to check on the status of our case, Freedom Mortgage tells us form XXXX is missing, but then Freedom Mortgage verifies later that the document has been received and the loss mitigation department needs to evaluate the form and for my wife and I to call back several days later and check on the status, but when I call back, again Freedom Mortgage claims they still need the XXXX form, but after checking find the document and tells me to again call back and check the status. This has been ongoing for several weeks now. My wife and I have done everything possible to reach out for assistance from Freedom Mortgage. It seems they are trying to discourage us from proceeding and to give up. We sent the revised XXXX form on XX/XX/2016 and we have been waiting for our possible modification to move forward. We were told a single point of contact will be assigned to us within the loss mitigation department, this has not happened yet.

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 04-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am lodging a formal complaint against ehanced recovery company. This debt collection company has violated my rights and the XXXX. I recieved a dunning notice from this company in XXXX of 2014 advising me i had XXXX days to ask for validation on a XXXX account i have no knowledge of having for a horrific amount of {$1000.00}, i immediately sent them a debt validation request within the XXXX days, which was sent via XXXX certified mail with return reciept. enhanced recieved my validation request i have the return reciept and copy of the debt validation letter, which i will keep for my records. Enhanced recovery intentionally ignored my debt validation request, instead of validating the debt, enhanced recovery reports this negative debt to the XXXX major credit reporting agencies, which in return has damaged my excellent credit. I want this negative account deleted from my XXXX credit reports immediately!!!!!!!! I will also be filing complaints with my XXXX attorney general office, and XXXX attorney general office!!!! I Have done my research on this company, and found out this is normal for them too do. They have numerous negative complaints for their deceptive business practices. Please do not continue to let this company think they can continue treating consumers like XXXX! Thanks for your time!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief