milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/14/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: The reason I am submitting a complaint is due to the fact that I have requested my servicer Wells Fargo to review my docuements for a loan modification. I could not get underwriting @ Wells to review my case due to the process that Wells has which is unethical and goes agains CFPB guidlines. Well has whats called reentry team and they dictate which files go to a underwriter and which files dont. After doing my research Well is the only servicer that does that not giving me a opportunity to revie my casse with a underwriter. I asked to speak to Wells Reentry team manger and he goes by the name of XXXX XXXX stating he is a manager and he can not help me out due to the fact that Wells has a new guidline that states if I am 36 or more months behind I will not qualify for loan modification even if they are Hamp elgible or FHA loans Wells will not review any case. I have searched around I have found out that that policy is Wells and not FHA or hamp guilines. Wells Fargo is not obiding by CFPB guidlines or hamp. Please look into this matter. The Consumer Finance Protection Bureau ( CFPB ), under the Real Estate Settlement Procedures Act ( Regulation X ) at 12 CFR 1024.41, requires an appeals process for loan modification denials when a complete loss mitigation application has been received under the requirements of the regulation. 
Accordingly, HUD now provides an automatic 90-day extension to the initiation of foreclosure timeline for those cases in which the mortgagee needs additional time to comply with the appeals process required by the CFPB. 
The 90-day extension begins on the date the mortgagee denies loss mitigation and sends the borrower the notice required under CFPB regulations.

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 11-08-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: My XXXX year old mother received a notification from Portfolio Recovery Associates LLC claiming she owned {$2000.00} dollars for a debt with the 'original creditor ' being " XXXX XXXX XXXX XXXX. ". They indicated she could pay the debt in installment and save up to about {$900.00}. My mother had XXXX in the prior year and was afraid it had something to do the that ( even though all bills had been paid ). I called the Portfolio Recovery Associates and after getting the run around and letting them know further correspondence would be through our attorney, they said the would just 'take her off the list '. We 'll see if this holds true. The point here is that she could have easily thought she owed the money and made payments. After looking at the information on the internet regarding this company, I think they are a scam prey upon older people.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (Medical debt) with Revenue Assurance Professionals LLC (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX is reporting on my credit report and they are not listed under the Tennessee verify site and I want them to be permanently removed from my credit file immediately from all 3 bureaus!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NE).
Issue: Settlement process and costs

Complaint: I had went under contract to buy a house. The sellers didnt inform the listing agent of liens on the house. So after 3 and half months of being under contract a company named " ocwen '' came in from no where and swooped up the house and auctioned it off. We gave them everything they needed to call off the sale. They didnt and we lost over a thousand dollars we put into this house. My loan was approved, the house was appraised, inspections had been done and a bunch of repairs had been made. They sold the house for XXXX less than they were getting from me. Im so frustrated. So is all the realtors and my lender. What should i do?

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (NY).
Issue: Taking out the loan or lease

Complaint: After multiples inquires with the general number and visiting the branch I was advised by Wells Fargo that I do not need an account to qualify for a personal line of credit. The website was n't explicit either hence why I deferred to calling the general number and visiting the branch before applying. After all my inquires I made it clear I was looking for {$100000.00} and wanted to know key eligibility requirements. I was never told an account would be a basic requirement ( even after asking ) and was led to believe income and credit would be the major factors. Nevertheless, after all my attempts to understand basic qualifications we ( my fiance and I ) were denied after applying primarily for not having an account. I not only think this was unfair but it was deceptive because other major competitors clearly outline qualifications which I will submit as evidence. 
To add insult to injury I was contact by an underwriter I believe from California to further question the application after applying. At this point I was advised we wo n't qualify for the {$100000.00} because of no relationship and minimum assets with Wells Fargo ( thank you for telling me after applying ). However, I felt somewhat relief that we would be able to receive a counter offer up to {$50000.00} without having a relationship per the representative. I was then advised to allow further processing and to follow up with the banker that assisted me. 
After, following up with the banker and her manager they were both in shock of the denial of credit considering our credentials and escalated the issue. Long story short, the resolution was we were not qualified because of no relationship and limited assets with Wells Fargo and too many recent credit accounts opened. Please be advised recent applications of credit and restructuring of my debt was tactical to reduce my debt to income and increase my chances of credit approval before purchasing a home which would increase my debt to income. 
Bottom line, had we known what we knew after applying we would n't have applied. We would n't have based our future plans on the possibility of a credit line and would have seek other alternatives. However we did, we felt like we did our homework and prepared for success but still failed due to misguidance. Now what?

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 08/15/2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Delinquent account

Complaint: This is a follow up to case # XXXX XXXX XXXX 2016 I am attaching XXXX docs from Citibank dated XXXX XXXX, 2016, these arrives in an envelope in XXXX 2016 with no postmark on the envelope. I assume this is another tactic by Citibank to set false settlement deadlines that can not be met because of how 1st class business mail is processed. The first doc says my hardship request ( they offered last year ) has been denied. In view this is another ant-consumer tactic designed to look genuine ( offer reduced interest and lower principal payments ) then when you apply it is denied. The second doc is an'offer ' for a settlement due to be paid in XXXX 2016, which if they accept the basis of my hardship ( reduced monthly income due to delay of Veterans XXXX pension ) - clearly with reduced income I have no ability to make a lump sum payment. So this is a non offer. What is the next step for me to take? I want to resume making reduced payments and avoid having my credit rating further damaged by the consequences of the delay in getting my deceased husbands final pension disbursement from the VA in XXXX. Thank you and I hope this helps other Veteran families coping with the delay of their XXXX payments.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello, It appears that the credit bureau is still reporting account listed as XXXX XXXX ( XXXX XXXX ) as open. Account has a XXXX a balance and company agreed and acknowledged errors to report as " paid as agreed '', or to remove all reporting of the item from all consumer credit reporting agencies. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX THESE ACCOUNTS IS BARCLAYS CREDIT CARD

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 07-08-2016 about Consumer Loan (Installment loan) with PNC Bank N.A. (PA).
Issue: Taking out the loan or lease

Complaint: advance fee loan. i have to file against XXXX different companies. never recieved any funding.spent XXXX of thousands of dollars. i will submit all info seperatly because there is to much.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Deposits and withdrawals

Complaint: I was Executor of my brother 's Estate. 1 week prior to my meeting with B of A to set up his Trust Account, I notified the bank of possible forgeries on his checking account and requested ALL bank records including fronts of checks, be provided to me at our meeting. 
At our meeting, I was denied access to ALL bank records as stated in front of my attorney. 
by B of A representative. I immediately notified this employee he was violating Fed and VA State law which entitles me to ask and receive all information, in the same extent and manner my brother would be entitled to, during his life time. Again I was told " that 's not going to happen ''. 
The only person who had access to my brother 's check book was his live in XXXX who had the legal right to occupy my brother 's house for 30 days. I filed a police report at which time I was told she was a person of interest involving XXXX felonies. 
I called the bank again and explained the situation and needed to file charges to deter her from stealing his valuables from the house and the police needed proof of the forged checks. I was denied again to any records. The police said their hands were tied without proof of the forged checks. I went to other branches who promised to get me what I needed but they never did. I tried everything possible to get records that legally belonged in my possession. 
B of A withheld the evidence needed to prosecute the offender who, did indeed steal all my brother 's jewelry, his extremely valuable coin collection, just everything, ignoring my attorneys instructions her to only leave the house with those items she moved in with. 
She also erased his hard drive and destroyed all financial records. 
So, I am left with XXXX bank statement, but determined to know how much she stole from his accounts to justify B of A to such extremes to block my access, never giving up, I finally received a call telling me I could select, from the statements they sent, A FEW, checks I would like to see the check fronts. Now, after XXXX years later, just in the last 3 months of his life there were XXXX - {$500.00} ATM withdrawals and at least another XXXX in forged checks. In order to have absolute proof my brother could not have written these checks, I had to compare his medical records to withdrawel dates and check forgery dates. I simply had to stop with just looking at 3 months and not the full 6 months. This was a task no one should be faced with, very depressing. 
All of this would have been prevented if BA had not felt and acted as if no one would hold them accountable. They need to know they will be held accountable for deliberately breaking the law and for the ramifications others endure because of their arrogance. 
So, we shall see if there truly is an agency for the little people or just a pretense of 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
Consumer complaint received 03-05-2017 about Debt collection (Payday loan) with CURO Intermediate Holdings (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have encountered many incidents of financial identity theft dating back since XX/XX/2015. I was made aware of this payday advance loan when I received a letter dated XX/XX/2015 stating an unpaid collection had been reported. I did not apply for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Mortgage (Conventional home mortgage) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Closing on a mortgage

Complaint: I previously submitted a complaint with the CFPB. I learned today from XXXX, through your office, my complaint was denied. She read me the letter from the bank 's representative, XXXX XXXX. I have talked with XXXX XXXX since my complaint was filed at least twice and he never mentioned the reasons for their denial. I am outraged and appalled. Never had the bank or any of its representatives mentioned to me that my loan was submitted through the Community Reinvestment Act ( CRA ). My loan, I learned today, was approved through XXXX as my income was " too high '' to qualify for the CRA. As a result, the {$2500.00} credit that was continuously stated on the bank loan documents is not being refunded. My closing costs were almost doubled to {$11000.00} due to the CRA denial ( $ XXXX {$2500.00} = {$6100.00} ). Not only that, but during my conversation s with XXXX XXXX, I pointed out the bank delayed the closing of the mortgage loan with continuous requests for multiple XXXX 's bank statements, pay-stubs from my wife, two P & S extensions from the sellers, which caused substantial extra costs for rental and condominium fees. I was fortunate this did not cause the sale to collapse. I 'm attaching previous documents submitted as well as additional information. I expect the bank to refund these additional fees and expenses which has resulted in substantial costs to close the loan in XXXX 2016. Not only that, they ignored my initial requests last year, on multiple occasions, which I also mentioned to XXXX XXXX. All his seeming assurances to me were apparently just a time stall tactic. I hope that this new complaint is speedily resolved to my satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (IL).
Issue: Taking out the loan or lease

Complaint: I 'm not quite sure how to complain about pay pal for running a hard credit inquiry on my credit report. On XX/XX/XXXX, while the latest XXXX I PHONE 6 S PLUS was unveiled. My cell phone carrier is XXXX XXXX. XXXX XXXX has implemented a new phone purchase plan. A customer since XX/XX/XXXX XXXX XXXX has changed their phone upgrade purchases. Previously, phones such as the XXXX phone that was released on XX/XX/XXXX reduced the price for new phone to roughly {$200.00} However, since XX/XX/XXXX XXXX XXXX has implemented a monthly payment plan that had a customer pay a monthly installment ( 0 % ) to pay for the new phone.On XX/XX/XXXX I ordered the new XXXX Phone ( through XXXX XXXX ) and implemented the monthly payment plan of XXXX XXXX. The order was complete, however when attempting a XXXX XXXX FICO score I noticed my score went ( from XXXX ) from XXXX to XXXX. This occurred due to the fact that my XXXX XXXX order of XX/XX/XXXX a XXXX hard line credit inquiry was also preformed without my knowledge and/or consent. I have attempted to call Pay Pal about this and was not successful in having this company removing this from my credit inquiry. I have noticed through this federal agency federal legal action has been taken against XXXX, however did n't see a process to joining any class action settlements.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was XXXX in XXXX 2009. At that time, I was receiving XXXX for my XXXX. While XXXX at the XXXX, I spoke to a VA Representative who assisted me in stopping these payments while I was on XXXX. I filled out the paperwork with her, and we scanned it into the VA. I went directly to XXXX from XXXX XXXX. While XXXX, unbeknownst to me, I was still receiving payments. When the " stop payment '' paperwork finally caught up to the VA, payment was halted ; however, I had incurred a debt. Upon my return to the states and upon filing income tax returns, I discovered this debt. I contacted the VA, who informed me they had sent it to their XXXX XXXX XXXX. I fully paid the debt, satisfying the case against me. This past year, I have been attempting to clean up my credit report. I contacted the VA and asked them to remove this negative remark on my credit reports, especially since I was XXXX, unaware I had a debt, had tried successfully to stop payment, and paid the debt in full as soon as I became aware of it. I was informed they would not remove it. I would like it cleared off of all XXXX ( XXXX ) of my credit reports. I am still XXXX and hope to purchase my XXXX home soon. Any help would be greatly appreciated. Thank you!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 06/23/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Opened a Santander business checking account and, after meeting all the requirements for the {$500.00} bonus, I called in. The agent I spoke to ( I recorded the call ) said that I had indeed met the requirements and I should expect the bonus in my account within 30 days. That was in early  XXXX . Today, I called Santander and they changed course and mentioned that the marketing team had put in my file that I had not met the requirements for the {$500.00} bonus.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: APR or interest rate

Complaint: I have a Chase credit card with a few zero percent balances on it. They have not been crediting my payments to the balance with the soonest end date for the zero percent offer. On inquiring with them, I discovered that their policy is to credit payments to the balance ending first until the soonest ending balance is withing 60 days of ending. I believe that the balance ending soonest should be treated as the highest interest balance and be credited first. Their policy is in no way clearly stated.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I noticed on my  credit score is low er, even when I do n't have any loans, and I pay all my bills on time. I checked on  XXXX   XXXX  report  XXXX  inquires for  XXXX  credit cards from Citi on  XXXX   XXXX   2016 . I never applied for those credit cards and never received any. I received only some card from  XXXX   XXXX  I never applied to. I was surprised, because I only tried to change my flight. That was my all encounter with   XXXX   - my work handled the flight change.   Best Regards

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