milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/16/2016 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I had previously submitted a complaint XXXX XXXX XXXX, but did not respond. I thought our new loan servicer ( Shellpoint ) was moving forward with our loan. They are not. I have called almost XXXX dozen times and have only received calls back in which they hang up on me when I answer. I have done EVERYTHING required to modify my home loan, repeatedly. Nothing ever comes of it. I have been stuck in limbo for years now. And because nothing is ever reported positively to the credit agencies, my credit is always ruined so that I never have any other recourse. I need help. These loan servicers are just kicking the can until homeowners give up. I will not.

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 09/18/2015 about Prepaid card (Mobile wallet) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Adding money

Complaint: I opened an Amex Serve with my linked checking account. Several weeks later I funded with {$300.00} via checking and sent to a friend. A week or 2 later I loaded {$500.00} cash at a local XXXX which is advertised as instant funding method ( to get away from the 5 day hold my first funding method took ). Minutes after the money was available in my account they closed my account. They wo n't give me any info and said they do n't discuss closed accounts. They said my {$500.00} is going to the state of New Jersey where I live in 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had a public record vacated from the State of New York ( Reference # XXXX ) for {$410.00} filed on XXXX/XXXX/2001. I disputed the item with XXXX, Equifax and XXXX since it was vacated, and I did not owe the monies to the state. XXXX and XXXX validated the account and removed it from my credit, but Equifax has not done so. The must validate the account, and remove it asap.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Consumer Loan (Installment loan) with Navient Solutions, LLC. (GA).
Issue: Problems when you are unable to pay

Complaint: I filed for bankruptcy and the debt was discharged in bankruptcy ; yet the company continues to call me multiple times a day. I have asked the company to stop calling me and have informed the company that the debt was discharged in bankruptcy but the company continues to call me. This is a consumer debt and not a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (Other debt) with ERC (WY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a collection statement from ERC for an alleged debt of {$190.00} from XXXX XXXX. I stopped using XXXX XXXX, a company with documented customer complaints, when my internet service no longer worked on my purchased modem. I tried all the methods to reset my modem but with no success, and sent an email to XXXX XXXX telling them that my modem/internet access was not working. They sent return email that they could not send me reset password by internet and that I would have to call them. I am XXXX so that is not an option. I sent email telling them that I was stopping service since they FAILED to provide contracted internet service. They sent me additional billings following months for service NOT provided, and I notified them by mail that they had not provided any internet service per their month to month contract, thus no payment was due. XXXX XXXX does not provide acceptable service to XXXX XXXX customers, and thus is in violation of Americans with Disability Act and has clearly shown a hatred for customers by billing for services not provided. ERC has previously shown that they buy " bad debt '' in effort to shake down customers for debt not owed. I do NOT owe XXXX XXXX, and they wrote this off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I was told that I had to open XXXX accounts, and that the automatic transfers between accounts would insure that fees were waived. Instead I was charged dozens of fees. If the banker had opened only XXXX account, as I had asked, there would have been no charges. The fees totaled $ over {$400.00}. When I asked for the fees to be reversed, they reversed only {$62.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/25/2015 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Account opening, closing, or management

Complaint: I opened and funded an HSBC Advance Checking Account around XXXX/XXXX/XXXX by telephone using a referral code, XXXX, from a friend, XXXX XXXX. HSBC has a promotion that is supposed to issue me a credit of {$100.00} for opening an Advance Checking Account using a referral code within XXXX weeks of fully funding the account. See offer attached. I have called many, at least 3, times over the last 3 months trying to get my bonus. But continually I have been told that HSBC has to look into my situation more. I was finally able to get a nice customer service rep, Tin, last week who seemed to be helping but in the end she said that the " back office '' was reviewing my account and a decision would be made by the end of XX/XX/XXXX. 

This is totally unacceptable. I have spent hours talking to the bank to get my deserved bonus. I have done everything required to deserve my reward and now I want the bank to live up its obligation to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-06-2016 about Mortgage (Other mortgage) with Seterus, Inc. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, My principal loan amount on my XXXX 2016 statement from Seterus went up XXXX. I have called and written the office for a explanation and the company can not provide any documentation of the increase of my principal balance. I was not given any written corpsependence regarding why. After calling multiple times and faxing for a answer im now being hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I ordered a free ( {$1.00} ) credit report from and they signed me up for a service, charging me {$19.00} after 7 days. The confirmation email has no mention of a service or receipt of agreement to pay for a service. They tried to cancel it after the charge went through to keep me for a month, but I told them to cancel it immediately and refund me. They said I would be refunded, but this is not how credit reporting agencies should work. This feels like a scam and they 're hoping most people wo n't notice.

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 05/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a negative loan amortization with originally XXXX xferred to XXXX XXXX XXXX and when I was in the midst of modification when the loan transferred to SLS. 
SLS, since day one advised me that I should foreclose and thats my only option. My loan mod attempts keeps getting denied without even being reviewed. 
They keep denying me due to incomplete package, but I am calling them every day, half hour after they told me the package was complete, they would deny my package due to incompleteness. 
They changed my account manager XXXX times in 2 weeks. they never returned my numerous calls back & I was calling them everyday. I have proof in writing that my acct mgrs were changed almost every other day in the past 3 weeksI offerd them a downpayment toward modification, to get a fixed interest rate, but no luck, they are not letting me make my regular monthly payment either. 
All I want from them is a fixed interest rate, so my loan amount doesnt increase due to a negative amortization. 
Now I have a trustee sale date for XX/XX/2015 right in the middle of modification. and after scheduling the date I was denied me due to incomplete packagte again. 
I did n't even find out about the trustee sale until the county sent me a letter yesterday,. They were trying to foreclose on me without letting me know.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Mortgage (VA mortgage) with FLAGSTAR BANK, FSB (FL).
Issue: Settlement process and costs

Complaint: XXXX XXXX XXXX with Flagstar Bank requested a notary correction letter via email on XXXX/XXXX/2015. The notary correction letter requested the complainant to attest to the year in which the mortgage was signed. The notary inadvertently omitted the year from the acknowledgment. In a phone call to the notary/attorney 's office, XXXX XXXX threatened to report the notary/attorney, who is also admitted to practice in bankruptcy court, to the bankruptcy court. This conduct is not only unprofessional on the part of XXXX XXXX, but also constitutes harassment and unlawful and/or unethical intimidation on the part of XXXX XXXX, and his employer Flagstar Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Debt collection (Medical) with Holloway Credit Solutions (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Holloway credit has repeatedly deleted their collection accounts of my credit file and putting them back on. And I am getting tired of it. They keep restarting the XXXX year reporting thing and messing my credit up. For 5 years now all they have done is removed the collection items and put them back. I am unemployed from a XXXX I had and had to retire. I should not have to pay the price with bad credit for something that was not my fault.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   is still reporting account that was over year ago reported as Unauthorized ID fraud from  XXXX   XXXX  this is still causing harm and must be corrected removed

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Student loan (Federal student loan servicing) with EdFinancial Services (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XX/XX/XXXX and XX/XX/XXXX EdFinancial has XXXX loans listed that are being marked as 120 days past due. XX/XX/XXXX they sold these XXXX accounts to XXXX who are ACCURATELY reporting the loans as current for those months. I possess XXXX students loans and none of them have entered repayment ever as I have been a XXXX since XX/XX/XXXX and had periods of XXXX. I tried to explain this to them and even offered my enrollment history from the NLSDS site which covers the timeframe in question. They have refused to accept this as proof I was enrolled. Meanwhile this just hit my credit report today reported by Transunion as a deliquency. EDFINANCIAL cant report on them because they dont own the loans, but they have never been in repayment. They have been uncooperative and refuse my verification proof.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Credit card () with CITIBANK, N.A. (AL).
Issue: Billing statement

Complaint: I have a The Home Depot Card credit account with Citi. In the last 12 months or more, I 've had at least XXXX or more promotional 0 % financing deals expire, costing me $ $ in interest, even though I 've paid Citi more than enough money to completely pay off the promotional amount. The C.A.R.D. act allows them to do this because the lender is allowed to apply minimum payments how ever they see fit until the last 60 days before promotional expiration. It would be better for the consumer if the consumer could simply instruct the lender how to apply the FULL payment, instead of just what is in excess of the minimum payment. What is the significance of the minimum payment being included in the law anyway? And lastly, my statements sometimes CLEARLY show how my payment is applied. Other times, my statements actually do NOT clearly show how my payment is applied. For example : sometimes the statement shows that my full payment ( minimum amount, plus any excess payment ) is applied to my current interest bearing balance, and nothing is applied to my promotional balance. But SOMETIMES, my statement does not show the allocation of my payment. Instead, my balance simply goes down some. But I have to do the math myself ( add payments and credits back to my current balance, then subtract any new purchases or interest charges, and then compare that amount to my current balance on last month 's statement ), to see how my balance is effected by my payment. I though that the C.A.R.D rules were supposed to protect users from statement confusion & hidden charges. I believe that clearly showing how all payments are applied on each and every statement would be a pretty obvious way to avoid confusion. Lastly, the personnel at Citi were happy to tell me how they controlled my payment allocation in most situations. XXXX interrupted me, raising their voices, repeating explanations, or worse, explaining that they had already explained. XXXX stated that he works in the Tennessee service center for Citi. I assume that XXXX does, as well. I could actually HEAR the smile in their voices, but XXXX went so far as to giggle. If they record calls, and the company wants to know how NOT to treat clients, they should review the call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with EQUIFAX, INC. (AK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Under the Derogatory Account section of my Credit Report appears XXXX ( XXXX ) for {$1300.00}. I have no idea what this is and it has negatively affected my credit score and ability to obtain a car loan. I have only XXXX credit card a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problems caused by my funds being low

Complaint: Chase processed the debits before the credits and charged me XXXX overdraft fees for {$34.00} each

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Debt collection (I do not know) with Midwest Recovery Systems (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX is my original case number here. The creditor responded it would remove from my credit report I just received another copy of my report and it is still on there. This is not my debt. I was never made aware of this and XX/XX/XXXX it showed up as a collection on my report. I filed a dispute please reference the case number above and it was to be removed from my report. It was not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: The credit bureaus are now limiting how and when your account information can be investigated. Because I disputed information on my mortgage account over a year ago, XXXX will not allow me to dispute any information again on the account unless I go through a lengthy process of re-submitting additional information and substantiate my requests. This is how the credit bureaus are going to work around and not truly help the consumers and maintain control while limiting any negative reputation towards creditors. I think it 's wrong! If it 's been over a year and I need to dispute the same account, I should be allowed to without any hassle and resistance. The bureaus are supposed to be there to help us ensure creditors are not abusing their power and accurately reporting. They should not be limiting/controlling how and when I need to make complaints on an account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Closing on a mortgage

Complaint: I am trying to purchase a home in  XXXX   XXXX  California for a couple of months.   I have been working wi th Wells Fargo as  a lender at the direction of my real estate agent.   I sig  ned an agreement with good terms and a rate lock.
90 hour  s before close  XXXX   XXXX  a t Wells Fargo told  me the underwriters did not approve.   I would have to borrow twice the money I wanted to borrow at a higher rate.     I am about to lose the house I planned on buying rather than pay thousands in interests and fees I should n't be paying This seems like fraud 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 11/19/2015 about Mortgage (Home equity loan or line of credit) with BANK OF THE WEST (CA).
Issue: Loan servicing, payments, escrow account

Complaint: With great frustration, this is the third time I am writingregarding " the same issue. '' As of this writing, it has neverbeen corrected. 

The bank ( Bank of the West ) has always responded, butnever addressing the issue seeking resolution. Thus giving '' the appearance '' of complying, but never doing so. Never. 

The issue - the banks reporting of Late Payments to thecredit bureaus on the months of - XXXX 2015 & XX/XX/2015 ( attached ) As you can see, per the banks own payment ledger ( attached ), there was never a missed payment as they have reported to thecredit bureaus. Never. Yet for those two months, they havereported lates. 

Their errors have caused me great harm. 

Please do whatever is needed to hold the Bank of the Westaccountable. Their one sided, cavalier approach is un-acceptable. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Checking or savings account (Other banking product or service) with PNC Bank N.A. (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Went into PNC BANK in XXXX XXXX, FL to enter vault ( both keys in my possession ) I was told my step-father XXXX XXXX a man suffering from XXXX residing in the XXXX XXXX XXXX XXXX XXXX facility in XXXX XXXX XXXX, FL came into branch with locksmith and DRILLED OPEN VAULT. XXXX XXXX was a signer, however PNC was fully aware of XXXX XXXX mental condition. There is a " TRO '' in place banning him from location of bank. Temporary Restraining Order was given to PNC ... Lead Teller XXXX XXXX - along with Branch Manager. Yet they allowed XXXX XXXX to break into vault. Approximate amount of assets ( bonds ) {$170000.00} to {$200000.00} was stolen out of vault under the eyes and assistance of Branch Mgr. XXXX XXXX and Lead Teller XXXX XXXX. I have requested on several occasions copies of ALL vault documents and signature cards - PNC claiming Docs and signature are missing, lost ... That is a criminal act. XXXX XXXX of PNC Executive Offices has been made aware -- - ( XXXX ) 5XXXX Still nothing. Please LOOK into this matter and if required make a referral to the US Department of Justice, Washington, DC Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: Let me start off by saying that I had a PERFECT PAYMENT record on my mortgage for over ten years with XXXX and XXXX. Before the nightmare of disservice from LoanCare hit my financial life I had no issues. For whatever reason, LoanCare took over the mortgage servicing from XXXX. For years I was on an automatic payment with everyone else. My mortgage payment is XXXX dollars. Yes that is not a misprint. And when I tried to set up automatic payments with LoanCare, for what ever reason, the system will not accept an automatic payment. They will, however, try to bill me XXXX dollar late fees when I call in to make a manual payment. Three separate times I have tried to set up automatic payments. And three separate times it has rejected my bank info. I have had to deal with their call center people in clearing up the late payment fee. And, THREE SEPARATE TIMES, I have asked the agents to look into the issues that THEY have created on my credit report. And, amazingly it never gets cleared up. I am asking your assistance on this matter. I honestly tried to work with these people and they have no follow up skills nor a care in the world about my credit rating. Furthermore, I have been receiving payoff statements since they took over the loan. I suspect that they do not want to service such a small loan. Which is why they have given me the cold shoulder on resolutions. Thank you in advance, 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