milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-04-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: Wells Fargo keeps on verbally promising and not delivering. Wells Fargo has verbally told me that the short sale was approved, yet I have not received the short sale approval in writing. Wells Fargo  has not provided me with a contact person as required by law. Contact person phone number has been provided but person is unreachable and not returning calls. Please have Wells Fargo Comply  with Law and do what is promised.
Thank You Very Much!
On Behalf   of  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 non-monetary relief
Consumer complaint received 11-11-2015 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: It 's not so much a mortgage complaint, it 's an alleged home equity loan that my now deceased mother n law took out in 2003. The bank ( HSBC ) claims she took out this alleged loan for XXXX and they can not show us any proof of the loan. 

We have ask for all types of documents that support this claim and no one ca n't produce any documents. This has been thrown out of court XXXX times and now they are trying to foreclose and take our home. Please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I just picked up a certified letter dated XXXX XXXX, 2016 that Ditech Financial LLC, a Greentree serving company merger, mailed on XXXX XXXX, 2016 where Ditech is planning to foreclose in violation of Dodd-Frank and XXXX. 
1. Ditech is disregarding Dodd-Frank because Texas has what is called a rule XXXX and XXXX expedited hearing and the number of payments or XXXX does not matter as long as they provide notice of intent to foreclose. 
2. Ditech falsely documented I missed XXXX/XXXX/2016 and XXXX/XXXX/2016 payments. Attached are the cancelled checks and the cancelled check for XXXX 2016 that Ditech had when it claimed XXXX and XXXX were missing. 
3. Ditech is willfully violating XXXX by refusing to process my XXXX XXXX, 2016 for XXXX while it threatens foreclosure. I do not have any missing documents, which they acknowledged to XXXX, but since those conversations are taped, Ditech is falsifying written letters. 
4. Ditech is falsely reporting the Advance balance. Beginning XXXX 2016 {$11.00} per month of the mortgage should be applied to the short. See the XXXX statement attached. When XXXX transferred the account to Ditech in XXXX, advance balance was supposed to be reduced. Yet, Ditech deceptively includes it to drive up the balance. 
5. The late fees are not valid but Ditech includes those to run up the balance. 
XXXX XXXX XXXX # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Mortgage (Conventional fixed mortgage) with ASTORIA BANK (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage on a Coop apartment with Astoria Bank and as a result Astoria Bank was holding the Proprietary Lease and Stock Certificate. Upon selling the Coop apartment, Astoria Bank informed us that they had lost the Proprietary Lease and Stock Certificate and sent us an " Affadavit of Lost Assignment Assumption and Consent to Transfer of Proprietary Lease. '' As a result of Astoria Bank losing the Proprietary Lease and Stock Certificate, I had to obtain a new Proprietary Lease and Stock Certificate which cost us {$800.00}. As explained to us by Astoria Bank 's representative at the closing and in Astoria Bank 's own affidavit Astoria Bank is obligated to reimburse us the {$800.00}, which it still has n't done despite my best efforts through constant letters, faxes, emails, and telephone calls. In Astoria Bank 's own affidavit they state " the Bank was the last holder '' and " the Bank shall indemnify and hold harmless XXXX. '' This issue has been outstanding since XXXX of XXXX and today is XXXX XXXX, XXXX, so this simple matter has been unresolved by Astoria Bank for over 10 months. Astoria Bank has been unresponsive to my frequent contact over the past 10 months and they have n't been able to put me in contact with anyone who can help resolve the matter. I 've requested to be put in contact with Astoria Bank 's research department that is researching the matter, their Compliance department and their Ethics hotline but my calls never make it past Customer Service and they tell me that I ca n't reach any of those departments directly to resolve the matter. From my perspective the issue is easy and straight-forward. Astoria Bank was holding documents that they were responsible for and lost them and now they should reimburse for the replacement of those documents. This is all spelled out in Astoria Bank 's own " Affadavit of Lost Assignment Assumption and Consent to Transfer of Proprietary Lease, '' which was issued and signed by Astoria Bank. In addition to sending Astoria Bank their own affidavit stating the facts, I also sent Astoria Bank the paid invoice that I received for the new documents, as well as a copy of the check used for payment. I do not understand why Astoria Bank has continued to drag its feet in resolving the simple matter for so long and why Astoria Bank makes it so challenging to get help on the matter. I suspect that they 're hoping that I grow weary and give up on the matter so that they avoid the reimbursement and steal my {$800.00}. This is not right and it is unethical and Astoria Bank should be reviewed and punished for how it handles this and similar complaints.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I contacted Transunion regarding a XX/XX/XXXX bankruptcy chp XXXX. I informed them that this was not my information. I had a chp XXXX that was removed in XX/XX/XXXX the chp XXXX is now reporting as verified. I contacted the court house and they did not provide this documentation. They did find a chp XXXX in the I formation. I have challenged this information 4 times this year. Information is fraudulent and must be removed. Also Transunion reps refuse to remove information they have not researched.

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 09/15/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (MO).
Issue: Account opening, closing, or management

Complaint: Your Home Page is emblazoned with WE 'RE ON YOU SIDE! No you 're not! Just another XXXX/Banking outrage at Wells Fargo is met with a fine. A FINE?!?! The people who perpetrate these crimes do n't give a XXXX about fines ... they do n't pay fines, the stockholders do. This is a LONG standing problem and fines will do NOTHING to stop it. You know what will? Prison time for executives. Until these low lifes go to the slammer, these outrages will continue ad infinitum. The Wells Fargo executive who oversaw the fraud retires with XXXX even though WF has a clawback policy for malfeasance ( which they have chosen not to invoke ). This is a MAJOR fail for the CPFB. If all you can do is hand out meaningless fines, you are just going though the motions of doing something useful.

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 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra hippa inaccurate information not mine

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 07/13/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I recently checked my credit reports as i have not done so for many years and find that this account is reporting inaccurate information which is causing a negative affect on my credit. 
I request that the creditor verifies the information it is reporting and provide me with copies of the account details such as when it was opened and the payment history as this account is unknown to me, i have no records of owning this account.

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 11/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was sold to SLS in XXXX 2016 and our monthly mortgage is paid bi-weekly on an ongoing basis. In XXXX 2016 we were notified that our mortgage is past due, even through we were making regular partial payments that exceed the minimum monthly payment. We spoke to representatives at SLS in XXXX, XXXX, and multiple times in XXXX to resolve how payments were applied. Research done by a representative XXXX and determined that our partial payments were not held in suspense and applied to our monthly payment as was our understanding. It was determined that we had a total of XXXX monthly payments made in excess. Every representative that we spoke to, in excess of 7 times, opened a new ticket to get our XXXX surplus payments ( XXXX partial payments ) applied appropriately towards our excess payments. After every ticket is opened, SLS offers no call back for resolution and we have to call back in 3-5 business days to confirm. Every time we call back, a new ticket is opened for the file. We escalate the calls to management with no resolution, get transferred to Executive Services, all with no resolution.

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 04/30/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: In XXXX, 2015 I called Citibank 's customer number to dispute XXXX charges ( for a cancelled order ) on a rarely used credit card. Everything seemed fine at the time. But that agent must have 'flagged ' something on my account incorrectly, because they since have decided I 'm deceased! In the last XXXX weeks I 've literally spent phone-hours with various agents, who finally told me when I asked them to close my account, that it already was closed because I 'm deceased. A XXXX later, we received a letter addressed to my Estate from XXXX XXXX, Citibank XXXX XXXX. So I Priority-Mailed him/her colored photos of my Social Security card and current CA Driver 's License along with a photo of me holding that day 's XXXX XXXX XXXX. I BEGGED them NOT to report the untruth to any of the credit report agencies. If they do, this would snowball into more of a nightmare than it already is. Can you please help me with this? Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2016 about Mortgage (Conventional fixed mortgage) with Home Loan Center, Inc. (CO).
Issue: Application, originator, mortgage broker

Complaint: I was web browsing and clicked on an add from Lending tree about the HARP program. 
I clicked a link that said " Instantly find out if you are eligible '' I clicked the link and took a short survey. The link did not tell me if I was eligible. The link sent out all my info to lender for a loan. I was never told I was applying for a loan. Now I am getting called - pestered - by several different lending institutions. I never was told if I qualified for HARP. 
This seems very fraudulent to me as I was never told I was going to have my information sent out and I was never told what the original link specifically indicated it would do. Bait and Switch.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Convenience checks

Complaint: Over the past year for my business, I have borrowed money from my Capital One Spark Business Credit Card through a program called " No Hassle Checks. '' I have done it four times and paid it off immediately. On XXXX XXXX, 2016, I requested a check and they said it would take at least 10 business days to arrive. On XXXX XXXX, 2016, I received notification of an invoice due On XXXX XXXX, 2016. I have n't even received the check yet, never mind cashed or used it, but Capital One is already charging me? And charging me 24 % interest to boot! They are charging me 24 % interest on a transaction that has n't even occurred yet? This ca n't be right. Its already disgusting the rates at which they are able to charge, but now they are able to charge on hypothetical transactions? Something needs to be done about this. The blatant fraud of these banks knows no boundaries.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: The CRA reporting agency continues to report this debt incorrectly. I do n't believe they are actually investigating this debt. 

I filed a CFPB compliant against XXXX who is showing as the creditor for XXXX XXXX XXXX. Per compliant number XXXX, XXXX advised they do not show any account in my name with them. Yet, this continues to report on my credit report. 

In addition, XXXX XXXX XXXX does have a surety bond, which is required under the Texas Finance Code ( Texas Surety bond information as required by Sec. 392.101. ). They have yet to produce that they are actually licensed and/or legally able to collect in the state of Texas. This is a violation of the Texas Finance Code and a violation of my right as a resident of the state of Texas. 

FCRA section 609 states, Credit Reporting Agencies ( Credit Bureaus ) must provide a copy of the verifiable original creditor documentation. Equifax nor this company has ever provided proof of my original application. They provide insufficient documents which I did not request nor satisfies this request of the FCRA code. Page 7 ( 2 ) Verification ( B ) of the information in the consumer 's application for the credit or insurance, to  determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. No one has provided me a copy of the original application to report this debt or even validate it. Equifax continues to state it has been verified. Yet, how can they verify something they themselves do not have in their file for me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Payday loan debt) with Halsted Financial Services, LLC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have been received phone calls from XXXX today I called the number back was advised that this is regarding a debt from 2011 from a payday loan. since this is a debt collection company I was NOT advised of my mini Miranda right since this was the initial contact that I had with company, according to the FDCPA it has violated the Fair Debt Collection Practices Act, the law that governs what debt collectors can and ca n't do.. I advised the representative that I never had such debt and if I did it was included in my bankruptcy. She began to get rude and would not let me speak and then disconnected the call when I attempted to ask her to validate the debt and send the information to the address they had on file. she hung up. I called back and she stated that they call dropped and then I once again requested they validate the debt. she gave an address that I have not lived at in over 10 years. this company is a scam and they are attempting to extort money that is not owed and threatening to take legal action with no validity to the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IN).
Issue: Account opening, closing, or management

Complaint: I have a banking account with Citibank that was opened XXXX XXXX, 2015. There is a bonus of XXXX XXXX miles for opening the account after meeting spending requirements on the debit card as well as paying bills which I have met. Despite meeting the requirements in XX/XX/XXXX, my points have not yet posted. I keep on getting excuses from Citibank about when the points will post. Most recently they told me that my account is missing a XXXX form which I promptly supplied and they confirmed receiving it. I am not getting any replies to secure messages that I am sending them from my online account and the phone agents say they can not do anything about it. I have attached PDF 's from their replies which should explain the situation in more detail.

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 12/29/2015 about Debt collection (I do not know) with TD BANK US HOLDING COMPANY (WI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I think this is about an old Target Credit Card Debt that is too old that the Statute of Limitations has run out on. These people keep calling and leaving messages on m son 's phone and this is the third time they have threatened me. I wrote a letter to Target to quit trying to collect long ago, so this is a clear violation of the Fair Debt Collection Practices Act. I have complained bout this before but they have never been punished. The following is an exact transcript of the message they left on the phone with the case no. and return phone number. 

" This message is for XXXX XXXX XXXX Case number is XXXX. My name is XXXX XXXX with the Central Processing Office. I 'm contacting you in reference to a complaint registered against you. You will need to contact the firm handling your case XXXX. Now, XXXX, if there is no response, the firm will be forced to make a decision on your case without your consent. Please keep in mind this is a time sensitive matter that requires immediate attention. Once again, that telephone number is XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Deposits and withdrawals

Complaint: This relates to existing Case No. XXXX against XXXX XXXX XXXX. I want to file a complaint against Citibank Corporation. in XXXX, 2016, my father purchased a chair and he paid for it with his Citibank card. The total purchase was {$1000.00}. When he received the bill from Citibank in XXXX, he wrote a check no. XXXX on our joint XXXX XXXX XXXX account for the full balance. It was put in a Citibank envelope and mailed. In XXXX, Citibank called him and asked him why he had not made his payment. I contacted Citibank and gave them the check number and that it had cleared on XXXX XXXX. I also mailed them a copy of the check. I also contacted XXXX XXXX XXXX and opened up a fraud claim. Citibank rejected the copy of the check because they did not receive the payment. They removed the conditional credit and added late fees and interest. I contacted XXXX XXXX XXXX and received a claim no. XXXX. XXXX XXXX XXXX informed me that the check had been cashed by unknown persons at Citibank Branch No. XXXX/Sequence No. XXXX. They indicated that would contact Citibank. Then I heard nothing for a long time, and continued to try to follow up and finally filed a complaint with the Federal Reserve. I received promptly in XXXX a letter from XXXX XXXX XXXX to forward to Citibank which I did. Citibank just recently sent correspondence to my father indicating that they did not cash the check and would not pay the check. Citibank has now accumulated over {$100.00} in interest on the unpaid balance of {$1000.00} despite the fact that have sent them letters, and XXXX XXXX XXXX has sent them letters. Now my dad owes them {$1100.00}, so I have to pay that balance and close the account, but I need help recovering that check from either Citibank of XXXX XXXX XXXX because they playing against each other. XXXX XXXX XXXX says they ca n't return the funds to the account even though they paid the check. Citibank just wo n't deal with it.

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 06/24/2015 about Bank account or service (Savings account) with AMERICAN EXPRESS COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: American Express XXXX XXXX XXXX Account online. I applied, provided the requested personal information, then there is a message that says " we will contact you for further information ''. I have not been contacted. Why is American Express asking for my personal information if they are not going to approve online, or provide a confirmation or TELEPHONE NUMBER, or contact me as they said?

Company response to consumer: Closed with non-monetary relief