milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/18/2017 about Payday loan, title loan, or personal loan (Installment loan) with BlueChip Financial (GA).
Issue: Struggling to pay your loan

Complaint: I 've been struggling with spotloan making payments .I 've already paid the amount. They want 3 times the amount borrowed. Predatory lending is illegal in Ga. The balance is n't going down.I ca n't afford to pay 3 times the amount borrowed. It 's ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (Conventional fixed mortgage) with WINNPOINTE CORPORATION (CA).
Issue: Settlement process and costs

Complaint: I refinanced my home and was told there will be no closing costs, and now I found on the closing documents that they charged me about {$1500.00} dollars. I 'm trying to call this company and they do n't answer my phone calls, I had leave several messages to call me back and they do n't call me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: Wells Fargo has not allowed me to utilize the mobile app since XXXX 2016, and the only ATM in XXXX has been disabled from receiving deposits for several days. When I called Wells Fargo to discuss these issues, I spoke with someone who was happy to apologize profusely, and tell me that he would do something about it, but he never did to anything about it, and we did n't make any progress. 
Since i 've had this issue with Wells Fargo repeatedly, i 'm reaching out to you in the hopes that they will treat you with greater respect than they do 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 02/28/2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Account opening, closing, or management

Complaint: opened a checking account online. 
next day, deposited company check into ATM branch, receipt received. 
same day received email alert to call them called, they state they do not want to do business, account closed. 
next day, called again, check deposited ok, account closed and locked, unable to access funds called again, security team states the originator of the check has to contact their bank to have funds " pulled '' back and another form of payment issued.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls to Cell # ( XXXX ) XXXX Call History from ( XXXX ) XXXX Diversified Consultants XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) Call History from ( XXXX ) XXXX Diversified Consultants XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) Calls to Cell # ( XXXX ) XXXX Call History from ( XXXX ) XXXX Diversified Consultants XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) Call History from ( XXXX ) XXXX Diversified Consultants XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) Call History from ( XXXX ) XXXX Diversified Consultants XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) Call History from ( XXXX ) XXXX Diversified Consultants XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) Call History from ( XXXX ) XXXX Diversified Consultants XXXX/XXXX/XXXX XXXX a.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m. ( did not answer in time, no message left )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/15/2015 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (VA).
Issue: Deposits and withdrawals

Complaint: I had signed up for a site called XXXX, where you could by Bitcoins using your bank account. I stopped monitoring the account because I no longer wished to do business with them. Unbeknownst to me, my data/devices were compromised after using them on an compromised network ( my temporary place of employment has significant security issues ). Through this, someone was able to access my XXXX account, initiate thousands of dollars of purchases ( initially in small amounts, then larger ) and send the money out from the account without any additional verification being asked for by the provider of the service. 

I advised my bank, Simple.com ( attached to XXXX XXXX ), of this. I owned up to the initial few orders I placed with XXXX, knowing that this makes the proceedings more complex. They researched it and denied my claim, citing XXXX initially saying all the transactions came from the same single IP. I pushed them for details and documentation, but they provided nothing other than the notes of a phone call. They said they 'd research it again. The results of the research led to another denial that hinged, again, on the very same notes of a phone call with no real documentary evidence. 

They said that, since I authorized their use of my account for ACH withdrawals and never explicitly removed that authorization, that they had no ability to dispute the charges despite my indicating that I never authorized them. They sent me to the provider to argue my case for them to refund me, which I will report in a separate claim, but knew would n't be fruitful. 

Everything I 've found online suggests that even ACH withdrawals that are in dispute from a previously authorized third party are to be fully disputable. Simple says that is not the case. I asked them to provide their published ACH dispute policy and they said they did n't have one. I asked them why they do n't publish their policy when it differs from common practice ( like what the XXXX notes ) and was then told I 'd need to send all further correspondence through postal mail, as my account was closed ( they closed it because they acknowledged my account information was compromised, even when they said none of the charges are disputable or even appeared to be fraudulent ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am a co-signer for XXXX student loans for my daughter approx. XXXX years ago. I have paid on them when my daughter was unemployed for a few months and when she was employed, she took it over along with her other student loans that I am not named on. She went back to school and received her XXXX degree and was under-employed for a year and could n't pay it. These were private XXXX XXXX loans that subsequently went to navient to collect. My daughter tried to negotiate a lower price so she could continue paying on the loans, but that was denied and late fees and harassment have followed. As of XX/XX/2014- they turned to me on the cosigned loans. I began paying them and found that the money I paid was going to whatever loan she had that was the furthest behind and therefore my credit started getting hit and I received notices from XXXX credit card companies cancelling them because of my newly destroyed credit rating. I am XXXX and have had excellent credit until Navient hit. I have looked at my account and found nothing that correlates with the payments I have made. In addition, the amount I owe on any given day changes drastically and what is on the internet account is something entirely different. I am living on social security that is not enough to pay my bills and my ability to pay all these different amounts they throw at me. Why is there no one who can help? I am going to make a payment in a few minutes that I have no idea where it will go. Can you please help with this? The XXXX XXXX XXXX was taken out for XXXX XXXX College in XXXX, Texas

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX is reporting negative incorrect information on my XXXX credit report. They are in violation of the FCRA which requires consumer reporting agencies to maintain an accurate file of my credit information. My credit score has dropped over XXXX points because of this error. They have also misspelled my name and provided inaccurate mailing information. After disputing with XXXX , I was told it was being reported correctly

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Deposits and withdrawals

Complaint: Last Thursday night I deposited my payroll check thru an ATM at the Bank of America branch located XXXX XXXX XXXX XXXX, XXXX, WA XXXX. At the time I was overdrawn on my accout but the check for {$1800.00} was more than what was needed to cover this. 

I received and email on XX/XX/XXXX saying the check was being held until XXXX XXXX because of poor image quality " {$1800.00} XXXX XXXX, XXXX by XXXX local time XXXX XXXX, XXXX {$1800.00} {$1800.00} Reason for hold Reasonable cause to doubt collectibility due to image quality. 
Monday XXXX XXXX I went to the branch were the deposit was made and the employee got me in touch with Customer service who checked with Risk Management. They said the image had the account number but only a partial routing number they could not release funds until XX/XX/XXXX. 

As I mentioned this is the same payroll check I have been depositing twice a month for as long as I have had the account. I am now having direct payments hit and not only are they not being covered, which I was told would be because the check is in pending status but I am receiving NSF charges. 
This seems extreme and completely unacceptable since the issue here is the ATM, not anything that was controllable by me. 

Can you help get this resolved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/18/2016 about Debt collection (Credit card) with Ability Recovery Services, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Fastunsecured.com submitted my information to the Ability Recover Services, which is a collection agency. They have stated that I owe a total of {$15000.00}. I have never received any monetary value what-so-ever. I have submitted disputes to the credit bureaus and results came back as remaining on my credit report. The collection agency said that I owe {$3000.00} per account. Those accounts are as follows : XXXX XXXX Credit Card XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have had a conversation with XXXX and they do not have any of my information on file, which only makes me think that these are fraudulent claims.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit card () with BARCLAYS BANK DELAWARE (NJ).
Issue: Closing/Cancelling account

Complaint: Tried to cancel my recently issued XXXX card ( ownership changed from XXXX to Barclay ) after XXXX phone call attempts to cancel with hold time totally & gt ; 40 minutes, the company told me they were not able to cancel at this time.

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 04/15/2016 about Debt collection (Mortgage) with Residential Credit Solutions, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: TOOK OUT MORTGAGE WITH XXXX IN XXXX AND THE LOANED SECURED BY XXXX XXXX. THE ORIGINATED MORTGAGE AS WELL AS SERVICED LOAN UNTIL XXXX ( DURING THAT TIME COMMITTED FRAUD AGAINST ME AND MY LIFE ). AND THEN TRANSFERRED TO XXXX WITH A LETTER DATED XXXX/XXXX/XXXX COVERING UO THE FRAUD VIA XXXX XXXX ) AND WITHOUT VALIDATION NOTICE ETC. TRANSFERRED AGAIN TO XXXX, RESIDENTIAL CREDIT SOL. AND NOW XXXX. ALL TRYING TO COLLECT A FRAUDULENT MORTGage accounts and leaving tradeline scaring on all XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015 I filed for a chapter XXXX as a result of my lender instituting foreclosure procedures. My home was scheduled to be foreclosed on at the courthouse steps on XXXX XXXX, 2015. As a result of the filing it halted all proceedings from debt collectors, attorneys etc. After informing by lender of this filing they asked me what where my intentions with the property and I informed them that I wanted to keep the property and just catch up the missed payments. The bank informed me that i couldnt pay what was owed because it showed that the home had been foreclosed on until the foreclosure status on my account had been removed I could n't pay on it, pay what was owed, do a workout option or anything to move forward. I was told that the sale had to be resended and then I could move forward. That was XX/XX/XXXX and now we are XX/XX/XXXX and we still can not move forward because it is currently showing that property was foreclosed on and it hasnt been removed from there system. I now owe more which is not fair making it more difficult to work out something with my lender and catch up due to internal operations and lack of due diligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Medical debt) with Helvey & Associates (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I had two collection accounts put on my credit report from Helvey & Associates. I paid these accounts as soon as they were brought to my attention and they told me that they would be removed from my report and it would not damage my credit score. This is not true as my credit score has decreased by 90 points. 

They had an incorrect address for me and I never received any written letters. They did not have a specific unit number and sent the letter to a general commercial address and I did not receive any written correspondence from them. Now, my credit is destroyed and i'm trying to purchase a home and i'm unable to get approved as a result of this incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Today I received an email from XXXX XXXX XXXX XXXX that my request for a " Loan '' was " Denied '' because of false information on my " Experian '' credit report. I then immediately called " Experian '' at XXXX, explained to them professionally what just happened to me and asked for my " Free Copy '' of my " Experian '' credit report. They responded rudely by saying " No '' and hung up on 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 non-monetary relief
Consumer complaint received 06-08-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Problems caused by my funds being low

Complaint: I never signed up for an opt in program. I got over drafted by XXXX dollars and once that hit wellsfargo took all my prior charges and ran them back to back running my charges up to XXXX dollars. I called and explain only to have XXXX ( who could care less what happened ) told me pretty much that he could allow me to keep XXXX dollars of my money ( gee thanks ) or I could decline it and pay all the charges. I will take my money out by the end of this week and change both of my direct deposits. Wellsfargo has XXXX me do the last time. I have been with them since 2009. I will scream redemption when they get what 's coming to them for XXXX the XXXX class.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: A computer glitch that was TransUnion 's problem - not mine - caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. these inquiries added a hardship and that my rights were violated by TransUnion. Can help you make TransUnion stop victimizing me? As a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 11-09-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: see attached dispute letter I got from the CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2017 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (MD).
Issue: Struggling to pay mortgage

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MD  XXXX  Loan # :  XXXX  Dear Dovenmuehle Mortgage In  XX/XX/XXXX  I went to mediation with my mortgage company. I have been submitting information to them without any response. I call almost daily each time they told me I need something else. Each time I request to speak with the person handling my file she was never available. I finally call their attorneys and the clerk that was handling my file advise me to cc her on the emails that were being sent so. I did that to no solution. I spoke with  XXXX   XXXX  ID #   XXXX   who told me I was able to get a modification. I waited with no call back. I finally spoke with some one who told me today its too late my house will be sold on Monday if i do not come up with {$10.00},  XXXX . This is so unfair when I have been sending information since  XX/XX/XXXX  and never received a call back from this company. Please help me.  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage company is refusing to work with me to pay delinquent mortgages that I owe. My house is scehduled to be forclosed on XXXX XXXX, 2015. I had contacted the mortgage company after I got into serious financial problems due to my father 's illness/lost my fanther 's brother. I then had to travel to XXXX to bury my uncle since my father was too sick to travel. When I returned in early XXXX, 2015, I was served with forclosure notice. I contacted SLS, the mortgage company asking for ways I can resolve the issue. It took them a while to get back to me. They then sent me a form for modification, which I completed and emailed to them. They still did not get back to me. I called their forclosure attorney and spoke to them stating that I can work out a payment over a 4 months peroid, if the mortgage company can allow me split the past due balance over a four-month 's period, plus the monthly payment. I was asked to contact SLS again, since I had not heard from themToday, XXXX/XXXX/15, I called the SLS office to find out what the total balance or reinstatement amount would be, since they had not communicated that information to me. I then received a fax stating that I owe {$17000.00}, which includes legal fees and some other amounts. 
I do not have this kind of amount or do I know where to raise this amount of money in 5 days. My dad has been very ill and I have been responsible for his medical bills since he has been in the hospital for the past XXXX weeks. I have a duahgter in college, and I have been responsible for her tuition. 
I am a single parent, raising muy kids, and caring for my aging and sick parents. I CA NOT AFFORD TO BE THROWN OUT OF THIS HOME. MY CHILDREN, PARENTS, AND MYSELF WILL BE HOMELESS IF THE FORECLOSURE HAPPENS. 

I AM HOPELESSLY APPEALING TO YOUR AGENCY TO PLEASE COME TO MY RESCUE. I DO N'T KNOW WHERE TO RAISE {$17000.00} FROM IN 5 DAYS. 
My father is too sick to be moved anywhere and he could depart this woorld any day now. 
Please help me. 
I currently have managed to raise {$5000.00}. and if your agency can do anything to stop the foreclosure, I will do all I can to get my mortgage current in less than 4 months. 

PLEASE HELP ME ASAP. I AM DESPERATE AND HAVE NO RECOURSE, SINCE THE MORTGAGE COMPANY, SLS LOAN SERVICING HAS REFUSED TO WORK WITH ME.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Payday loan () with Bliksum, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: On Loan me 's website it states get rates as low as 9.9 % APR 11.36 % but when I applied for a loan, I got the automatic deposit and my APR is 137 %!! I have made XXXX monthly payments and my loan amount has increased. I tried talking to a loan me specialist and they act like they are too busy to take my call. I walked into their XXXX location and the women I spoke with said she only works part time and can not help me. I have a photo of their online advertisement.

Company response to consumer: Closed with explanation