milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2017 about Student loan (Federal student loan servicing) with LICTY, INC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On XX/XX/XXXX, I was contacted by a representative from XXXX XXXX XXXX  named XXXX ( I was informed by a woman named XXXX that XXXX later quit in XX/XX/XXXX).  XXXX informed me that his company will serve as the middle man for paying back my student loans and complete the paperwork needed for entering me into the student loan forgiveness program. I was n't getting any feedback from the XXXX XXXX XXXX so I was believing this company. In XX/XX/XXXX I began the application process which required me to give my SSN, checking account number, and loans amount. XXXX told me that I would have to pay XXXX in XX/XX/XXXX and took my check account number, and told me that the paperwork I was signing was to enter me  into the forgiveness program. Later, I received an email stating that I financed XXXX dollars. I called XXXX ( the individual who took over my case after XXXX quit ) an he stated that he would attempt to cancel my file. I have tried to reach out to the company again and no one is answering the phones.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from HSBC BANK NEVADA. I had previously disputed this account. I have never done business with HSBC BANK NEVADA. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that HSBC BANK NEVADA provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that HSBC BANK NEVADA Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: I went to close my mothers IRA at a Wells Fargo branch. I have power of attorney. I even provided the original documents. Both the banker and the main office denied the document. They obviously did not bother to read it as Section B clearly states I have the right to close the account. Per their own admission, the account will simply sit in limbo no once could advise on what to do.

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 10/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NC).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: 1. Wells Fargo has stated the XXXX XXXX account XXXX has closed per their own guidelines on accounts suspected to have been opened by someone else other than the named person. 

2. Wells Fargo 's identity verification system flagged my application in the beginning because my SSN was issued after the SSA went to a randomized numbering system. 

3. Wells Fargo 's system is discriminatory because it is not up-to-date to deal with these new SSNs. Essentially, Wells Fargo discriminates against new immigrants and will eventually discriminate against a new generation of citizens who were issued SSNs after the number randomization. During the first few calls to Wells Fargo, they asked me where my SSN was issued, which it was issued from Illinois, but the number itself ( based on the older SSN numbering scheme ) would appear as issued from New York. So, I failed that question which led to Wells Fargo requesting my SS card to be sent via fax ; which I had to send multiple times due to Wells Fargo 's inept and inefficient methods in their offices. 

4. Wells Fargo is no longer a reputable banking institution because of their fraudulent and discriminatory actions. 

5. Wells Fargo continues to send me documents and statements about this account despite them stating they do not believe I am the person who opened the account. 

6. Wells Fargo, during a call on XX/XX/2017 on/about XXXX XXXX ET, refused to remove the account from my credit profile and refused to remove the credit inquiry. 

7. The action outlined in item # 6 is illogical if they truly believe the account was opened by some other person.

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 04-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (OK).
Issue: Loan servicing, payments, escrow account

Complaint: Called Beneficial about my mortgage and getting a payoff. They said I had to submit a letter and mail or fax it in and that it could be as late as XXXX XXXX, XXXX when I receive the payoff back. That was if I submitted it today XXXX XXXX/XXXX/XXXX XXXX. I also have something called " Outstanding Deferred Interest Balance '' on my monthly statement and when I inquired about what that was, I was put on hold for a few minutes so they could " research '' what it was. When the rep came back on the line, she said Beneficial would mail out a " fee/charge schedule '' that outlined everything contained in that balance. The statement even has a note on it that says " For further explanation of deferred interest or to make a deferred interest payment at any time, please call XXXX. '' That is the number I called. The rep also stated that I was 48 months behind on this mortgage back in XXXX and I did a modification to bring the payments current ... I was NEVER four years behind on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: I am asking for forgiveness on a 30 day late payment that is on my credit report. I understand people make mistakes and I know that the payment was late and I was going to be charged a late fee but I sent the payment in before it would be 30 days late. I was willing to pay the late fee but never expected to have a 30 day late derogatory mark on my credit report. I mailed my payment in on XX/XX/XXXX for XX/XX/XXXX mortgage payment. The reason I mailed it in is at the time Pacific Union Financial charges a {$10.00} fee for online payments. Due to the New Year Holiday and the Post Office being closed on New Years my payment must have been delayed and did not clear PUF until XX/XX/XXXX. I feel that if it had been any other month my payment would have gotten there on time. I wish they still had the envelope the payment was sent in so I can prove when it went through the post office. This is the only negative mark that I have with my mortgage company and I am looking to refinance out of my FHA mortgage and into a Conventional Mortgage but with this negative mark on my credit report I was told I cant refinance into a conventional loan for 12 months. I am seeking forgiveness on the late payment so I am able to refinance. I contacted my lender and they wouldn't listen to my situation and the reason I gave that it may have been late. I was unable to explain anything they just took my info and said they would look into it. I spoke with a PUF Refinance Officer and he was unable to see any late payments on my account and wanted to go forward with refinancing. I didn't want to have another hard inquire on my account until I made sure the 30 day late payment wouldn't come up.

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 Credit reporting () with Debt Recovery Solutions, LLC (IN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In 2013, I terminated service with XXXX DSL as I was moving out of State. I returned the modem to a XXXX store and received a receipt showing the equipment had been returned. XXXX erroneously claimed I failed to return the equipment, charged me {$94.00}, then sent it to a collection agency. Everything has been resolved with XXXX but their collection agency XXXX Debt Recovery Solutions XXXX keeps reporting it on my credit. Twice in the past two years I have submitted the receipt and supporting documents to the credit bureaus and they removed the derogatory remark from my credit report each time, then a few months later Debt Recovery Solutions adds it back to my report and my credit score drops. XXXX no longer allows the collection account on my report but XXXX keeps allowing it to be reported again. I would like to block Debt Recovery Solutions from reporting this erroneous collection account on my credit report. I would also like for them to be reprimanded for reporting false information to the credit bureaus. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has not only refused to put a XXXX year fraud alert on my account after I suffered identity theft, they have also refused to remove inquiries which were not made by me. The other XXXX credit reporting bureaus notified Equifax of the ID theft and the XXXX year fraud alert, which Equifax has ignored. Also I have letters from the banks that made inquiries saying that all XXXX banks would send inquiry removals to Equifax. Equifax has also ignored these letters from the banks. When I called Equifax to tell them about all of this, they said they never received a XXXX year fraud alert nor any of the inquiry removals which seems implausible.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XX/XX/XXXX, I mailed a certified handwritten letter to XXXX ( tracking # XXXX ), Transunion ( tracking # - XXXX ), and XXXX ( tracking # XXXX ) requesting verifiable proof of the following accounts on my credit reports. 
Acct # XXXX, reported by XXXX XXXX XXXX, unverified late payments Acct # XXXX, reported by XXXX, unverified late payments Acct # XXXX, reported by XXXX XXXX, unverified late payments On XX/XX/XXXX, XXXX replied to my dispute however they did not provide me with the verifiable proof I was requesting ( copy is attached ). On XX/XX/XXXX, XXXX  and Transunion replied to my dispute however they did not provide me with the verifiable proof I was requesting ( copies are attached ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Im requesting Equifax, Experian, and TransUnion to remove the accounts listed above since they are unable to provide me a copy of verifiable proof.

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 01-11-2017 about Payday loan () with EZCORP, INC. (TX).
Issue: Can't contact lender

Complaint: In XXXX XXXX and I got a payday loan for a {$100.00} but I lost my job and I could pay back the loan. Last year in XXXX XXXX I got a call from my brother that his wife got a call asking for me that I needed to get in contact which I did. It was a collector calling to collect bui did n't have the money so I agreed on a payment plan of {$150.00} two payments. I Gave the first payment but could n't afford to pay the second payment a month later I got a call to settle for {$69.00} and I did n't and was suppose to receive paper work but didnt. And then yesterday I got a call from my brother telling me that a private investigator looking for me and just when he was about to hang up they told him that there was a warrant for my arrest for 2 counts of felony fraud. He never gave me a name but he provided me with the number and I called right away and got a recording for private investigator XXXX XXXX and I left a voicemail. I called today XXXX XXXX, XXXX in the morning and got a recording for a private investigator XXXX and left another voicemail. 10 minutes later I get a call back from private investigator XXXX returning the call from the message that I left. She was informing me that she was calling on behalf of Ezmoney payday loans and that they filed 2 counts of fraud and that at 1 warrants where going out for my arrest and that I needed to a total amount of {$1300.00} through a XXXX before XXXX today so that it could be settled and the warrant could be dropped or else police officers would pick me up where ever I was and take me to jail and I would have to go in front of a judge and get 120 days in jail and gett a fine of {$3500.00} and that 's including court fees. I informed her that I didnt have that kind of money and I wanted to know what I could do considering that I never received a letter or any notice and also because I am a single mother of XXXX. And all she could say that I needed to play that amount and make arrangements for my kids because I was going to get picked up and hung up. My concern is that I asked her how she got my brothers number and she told me that I had him down as an emergency contact but I informed her that before I even spoke toy brother yesterday I did n't have his number because my number lives out of state and that I had to leave a voicemail for two different people only to get a call back from a third person if I was calling the same number. But what alarmed me is that she was asking me for a money order for an amount over {$1000.00} in a XXXX. I know I spoke to my father and he said he did hear of some scam. I did n't send any money but my concern is that she told me I was going to get arrest today by XXXX since I told her that I was going to send that money since its money I do n't have.

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 09/26/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Good morning, As a single woman who pays her home mortgage, it has become very difficult to keep on time most months. I have asked Ocwen at least three times to modify my loan. They make me go through so many signing of documents and in the end, the answer is no. The first time it was because " they owner of the loan did not participate in the HAMP program ''. Now this time because I am not delinquent! I have to pay them {$85.00} because I am late by a week or two, so they do not consider this delinquent then!!! This is a very frustrating experience with Ocwen. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I applied for a checking account at a local bank and they denied me, stated chexsystems has information on their report about me that disqualifies me for a checking account. I went onto chexsystems website and requested a copy of the report about me and they mailed me a report showing that I have past checking accounts that I still owe money too, that have been charged off by the bank. I did owe them but I filed bankruptcy on the accounts over a year ago and my credit report shows a XXXX balance on the checking accounts, but chexsystems has n't updated their records to my correct information which is and has caused me a hardship because of their inaccurate reporting.

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 05/27/2016 about Debt collection (Credit card) with CITIBANK, N.A. (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company ( Macy 's ) calls XXXX 5 times a day. I 've answered and told them I 'll give them their money, but the calls keep coming to the point where it 's interrupting my day. When they say they 'll stop calling, they call me from a different number from a different state. I 've already had to block XXXX different numbers from them. Its getting out of hand.

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 09-09-2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (NC).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: My business partner and I opened a Merchant Services Account with Wells Fargo in order to process credit card payments from our small business customers. We met with an account representative on XX/XX/2014 to set up a new business checking account and credit card processing service application. Throughout the entire meeting, we were only made aware of the contract 's stipulations verbally and frequently received instructions to authorize our consent by signing a screenless digital signature pad. Although we were hesitant to agree to the terms and conditions of the contract without being able to read it in it 's entirety, we were assured by our account representative that we were receiving full disclosure and had no reason to delay the application process. Only after we signed the agreement electronically were we given a hard copy of the contract for our files. At no time during the verbal " disclosure '' ( or outlined anywhere in the printed agreement ) were we made aware that there would be a $ XXXX-USD early termination fee to forgo the credit card processing services within a five ( 5 ) year period. Since opening the account in XX/XX/2014, our business checking account has been set to automatically withdrawal three ( 3 ) separate processing fees on a monthly basis. These fees have continuously increased overtime and seem to have little to no bearing on the actual payments we processed during the statement dates. The combined total for these monthly fees have rarely, if ever, been less than $ XXXX-USD and has caused our account to go into overdraft several times. On more than one occasion, these individual fees ( some as low as $ XXXX-USD ) have accrued an overdraft protection fee of $ XXXX-USD per transaction ( i.e., an additional $ XXXX-USD in bank fees for insufficient funds ). It is an endless cycle that we would have never signed up for if we had been made aware of ( or at least given an adequate opportunity to review ) the terms and conditions of the agreement. I have expressed these concerns to my designated account manager on several occasions only to be told that she has no control over the agreed upon terms and that I should contact a member of the third-party payment processor to proceed. I reached out to a customer service representative from this third-party company to express our concerns about the associated fees and minimum monthly requirements to avoid additional charges. In one of these conversations, I was told to process my personal credit/debit cards during " slower '' months in order to meet these monthly minimums. It is clear that since signing up for a Wells Fargo Merchant Services Account, our small business has suffered exponentially.

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 12/15/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MT).
Issue: Payoff process

Complaint: I lost my business in the recession and ended up with a judgment filed in court for a Capital One credit card debt. 2 1/2 months ago, XXXX XXXX, 2015, I paid off the judgment with Capital One. I can not get them to send me a Satisfaction of Judgment so I can file it with the court. I need it to fix my credit score so I can refinance my home from a high interest rate. I am afraid the interest rates will be going up.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: After multiple attempts to get help to save my property from foreclosure I was offered a mortgage modification that is worth 3 times what the property worth a bigger debt in return for an affordable payment. How is this supposed t to help 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 05-11-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Credit decision / Underwriting

Complaint: I was preapproved for a Mortgage with 10 % downpayment and a fixed interest rate. After submitting an offer on a house and paying for Earnest money, inspections, application fees, and 2 weeks away from the closing date, my lender informed me that they now required a 20 % down payment and were increasing the quoted interest rate by .6 %. The house offer was made and planned for based on the preapproval and I do n't have the additional 10 % down payment available. Because of the late notice, it is near impossible to get financing with another lender before the closing date.

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 06/28/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I recently paid off my mortgage from DiTech - PAID OFF - and yet, to this day, DiTech has n't returned my escrowed tax reserve. I 've called - and told it was " in the mail ''. Then there was an issue with " getting the checks printed ''. In short, I STILL do n't have my money. DiTech is holding on to my escrow to this day, and I have no way of knowing if I will EVER get this money back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation