milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/30/2017 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (KS).
Issue: Struggling to pay mortgage

Complaint: I started the process to sell the home in XX/XX/XXXX, a divorce from my husband occurred XX/XX/XXXX and the house was put on the market immediately. After 6 months it would not sell so I moved out and bought another home and my ex-husband moved in. The court ordered him to pay the first mortgage ( XXXX ) and I was to pay the second ( Nationstar, now XXXX XXXX ). In XX/XX/XXXX my ex-husband left the state and stopped paying the first mortgage. The house was put on the market and finally had a buyer XX/XX/XXXX. The buyer came up to XXXX  and is buying the house well above market value for the neighborhood. XXXX  offered XXXX XXXX XXXX and I offered them another XXXX ( I am currently unemployed ) but XXXX XXXX wants XXXX per their private investors. My credit has been destroyed by this situation so I am unable to get a loan for that amount. These banks are not working together but created a situation where my credit is completely ruined. I should say that I paid 6 % interest ( XXXX ) ( 4 % Nationstar ) for over 10 yrs and never missed a payment so they made their money off of me. I only stopped paying Nationstar when I lost my job ( over taking a second job to pay these bills, second job also ended ). So now the house is going to foreclosure instead of a short sale. I had been paying XXXX a month in utilities and other home expenses because I was told it would not go to foreclosure and that a short sale would be possible. I spent over 30K in getting the house in shape to even get a short sale at the best possible value.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed these items for years and have filed with the FTC in XX/XX/XXXX and have also filed XXXX police reports since then and the companies refuse to remove and tell me that they have founded the accounts to be mine. They sent me statements after statements but I explained to them that they are not mine. I asked for a signature and they still have not sent me proof of signature or something concrete to prove the reason why they are insisting they are mine. The rest of the debtors have released the debt from my file but XXXX, XXXX, and XXXX XXXX ( comenity bank ) still persists.

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 02/23/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I am not satisfied with the XXXX from ChexSystems. In my disputed request I asked for copies of the documents sent to them from the appropriate companies in dispute. In that disputed statement I clearly stated that I wanted a copy of what CHEXSTSTEMS received from the companies. If they can not provide that information to me then they have not meet the burden of proving that they this information is accurate. I am stating that this information being reported is not accurate. I never stated identity theft. I stated this information is not being accurately reported and that the inquires on my report are not accurate in that they did not obtain my authorization to inquire or receive a copy of the report. If ChexSystems can not provide documented and written proof that these people have accurate information and that they received proper authorization this needs to be removed from my report. The derogatory items are causing me harm and they are not accurate and the inquires are not any that I am aware of at this time. With that stated ChexSystems is not following the law and is reporting inaccurate information. If ChexSystems continues to do this I will have not other choice but to file a lawsuit in federal court and to sue the other parties listed as well. If ChexSystems is checking and truly investigating they should have provided me with a accurate duplicated copy of what these companies have sent to them as so called proof. Based on their actions they have not met the burden of proof of the law and they should be required to do so. I am so tired of agencies doing XXXX like this to people. I want duplicate copies of the documents sent to ChexSystems as proof of these degrogatory items being reported. I do not believe that Chex sytems has contacted these people at all. If they had contacted them they would provide duplicate copies of the information they received. I will be waiting for a accurate response. ChexSystems is sending what they feel like sending and not what is required by law

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Great Lakes keeps adding balances and subtracting balances from my account. this is adversely affecting my credit score! Iam in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and i was not able to be notified i was out of forbearance. I respectively ask that the lates from XXXX be removed and set current. As soon as i contacted Great Lakes my loan was put back in forbearance. Also, I want all loans older than 7yrs off my credit report, as that is more than the SOl for my state. I need this done ASAP, as Great Lakes is doing illegal collecting and reporting practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Other fee

Complaint: I purchased a secondary market gift card at a XXXX % discount from XXXX XXXX XXXX. They charged my Amex card through XXXX for the amount - {$25.00}. XXXX then issued a separate charge of {$10.00} for " cash equivalent - transaction fee '' This amounts to XXXX %, no notice and vague definitions do not even get close to this type of transaction. I have been buying gift cards for years from various vendors and have never encountered or been aware of this a fee. I feel scammed and the fact that there is no notice and the high percentage should not be allowed.

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 07/15/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (UT).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Capital one does not update my bank account balance with third parties most of the time, so the banking applications I use on my smartphone do not update more than once every  5-7 days , which will show an incorrect balance when I check them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We had have a mortgage for our home in Florida since XXXX. We were not able to make our payments and entered into foreclosure proceeding in Florida Court. 
We went through many attempts to modify the mortgage. In XXXX of XXXX we were offered a modification that we accepted. We made the payments required. In XXXX of XXXX the servicing company made a offer of a permanent modification that was NOT as offered under the proposed modification. We made it clear that we would not accept the permanent modification as offered. We sent them a letter to that effect. We also sent them a counter offer to their proposed permanent modification that more closely reflected the modification that was originally offered. They signed the counter offer and returned it to us. The foreclosure action was dismissed and the law firm that represented the mortgage investor/servicer sent us the modification via email along with sending it to us via XXXX Mail. 
Since the servicer has ignored the modification that we agreed to and is servicing the account as if we had signed the original modification as offered. They have acknowledged that the modification they are servicing under is not the modification the parties agreed to and signed saying we fraudulently and unilaterally altered the agreement, even thought they do not dispute that the agreement they signed and returned is the agreement we signed and sent to them. We did make changes to the agreement and sent it back to them, we told them we were going to, we told them we did XXXX Section XXXX paragraph H, attached modification agreement ) and they agreed to it in the modification as executed between the parties. Further they agree and acknowledge that the agreement that are servicing under is not he agreement they or we signed XXXX XXXX XXXX, XXXX letter attached ) and they are fraudulently and unilaterally servicing under an agreement we do not have and was never agreed to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I can not believe that Wells Fargo has made such a huge error and reported me late on XXXX 2015 when I made a payment. This brings me to question and dispute all the late payments they are disputing and I wonder how many times I made a payment and they still reported me late. This is not fair and for someone who is trying to get caught up on this student loans and do the right thing, I ca n't seem to get ahead because of the blatant error made by Wells Fargo. I am in the process of applying for a mortgage and this is now delaying the entire process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: OnXX/XX/XXXX XXXX XXXX arrived in XXXX XXXX and made a cash withdrawal at the International Airport. 
A second cash withdrawal datedXX/XX/XXXX appeared on our account allegedly from the same ATM at the international airport. This was discovered onXX/XX/XXXX upon return from XXXX. 
On the day of this alleged cash withdrawal at the international airport, XXXX XXXX and daughter were more than 50 miles away on a vacation excursion. XXXX XXXX was in XXXX during the entire period. No cardholder made this cash withdrawal. 
Despite numerous attempts to resolve this issue with XXXX XXXX XXXX, the only conclusion they can reach is that XXXX XXXX had the card in her possession and had the PIN ( which was not personal as the pin was issued by XXXX XXXX ). 
All undisputed charges incurred during this billing period for XXXX and XXXX were paid XX/XX/XXXX with a subsequent payment for international fee charges and interest on the undisputed cash withdrawal. All subsequent and current balances on this card are related to the alleged cash withdrawal. A detailed time line is attached. There has been no attempt by XXXX to resolve this either as admitting a mistake, determining fraud or providing XXXX XXXX to an excellent customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-06-2017 about Checking or savings account (Checking account) with DISCOVER BANK (AZ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: XXXX / XXXX / 2017 , Discover Bank created a check and called it check no.  XXXX  in the amount of  XXXX  against my account. they fraudulently signed my name and put under it By Discover Bank, authorized agent. I was shocked when I saw this. I never knew anyone could do something like this. This is literally stealing money from my account.   XXXX  I never authorized this and have tried to get them to refund my money but they refuse. They claim I agreed to this over the phone but I never did.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2015 about Bank account or service (Other bank product/service) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (LA).
Issue: Using a debit or ATM card

Complaint: Someone called at XXXX saying there was a problem with her debit card.called from a wireless phone # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX/XXXX/2015 XXXX XXXX Equifax reported that XXXX remove a debit on my credit in the amount of {$3000.00}, Then after checking my credit report I notice Diversified had recycled the debt on XXXX/XXXX/2015 in the amount oh {$3000.00} I do n't feel this way doe doing business is fair or correct, as long as the the debt is being sold ther will never be an experationa date.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is an old Capital One account where I never had a an account with a limit of {$900.00}. I have disputed this item with no outcome. Please help I would like some kind of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Wells Fargo posted a check to my  account on  XXXX  in the amount of {$2900.00}. On  XXXX  {$2900.00} was deposited into my account and I had more than enough to pay the difference.     They claim that it was received on  XXXX . However, everything on their mobile banking states " Posted  XXXX . '' This seems like that game where they re-order the transactions in order to charge at NSF fee. Even though they paid the check out. Which, if the funds were n't there, why would a bank pay out {$2900.00} in overdraft??     They knew the funds were there and had no problem paying the check. The check even " posted  XXXX  '' according to their website. Yet, somehow, the check " withdrew '' on  XXXX  and paid out without the proper funds in my account and they let it through, only to charge me an NSF fee.     Eventually they waived the fee after " educating '' me on their procedures. However, this seems a lot like the stuff banks have gotten in trouble for before.

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 04/26/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: Last night I made XXXX desposits to my Wels Fargo checking account back to back ( XXXX in the amount of {$100000.00}, the other for {$950.00} and the XXXX for $ XXXX totaling {$2100.00} ) I received email confirmations of all XXXX deposits and was told my checking account balance at the time was {$2100.00}. I then submitted a payment to my credit card for {$2100.00}. This morning I received an email alert from Wells Fargo confirming my deposits, but it only confirmed XXXX of my XXXX deposits- the XXXX deposit of {$200.00} was not credited. I immediately called in and was advised by the Wells Fargo agent that he could see the {$200.00} but that it was showing on my " bank card '' but not in my checking account.. I have no idea what that meant, I depsoited all XXXX deposits in my checking account and told him I have the email. He transfered me to the claims department, who set up a claim for me and gave me the claim # XXXX, I then asked that since they saw my {$200.00}, that someone issue a provisional credit for the {$200.00} so that when my creditor presents the payment I authorized that it would not return unpaid. So they transfered me back to customer service to get the credit issued. While in Customer service I was told that credit is issued by the claims deptartment, not customer service, I became upset because I had just been on with the claims department who transfered me to customer service so I asked to speak with a supervisor, XXXX came on line and advised the claim that was set up for me was the " wrong type of claim '', so she closed out that claim and opened another one and gave me a new reference number XXXX ... she then told me someone in claims had to give me the provisional credit and got me to claims again, I spoke w. XXXX ( who was very rude ) she got me into the consumer phone bank in XXXX Texas who was also very rude and unhelpful, she transfered me over to another supervisor who i spent another 1 hour and a half with trying to get in touch with the claims department. At this point, my creditor has put through the intended amount of {$2100.00} and my account is now over drawn as a result. I am so furious! I find it appauling that Wells Fargo held on to my money and did not appropriately credit my account and caused me to remain on the phone for hours and now an over draft to my bank account. I 've attached the receipt for the {$200.00} deposit that was omitted from my account along with the balance that should have been on my account of {$2100.00} ( Which would cover my payment to my creditor for {$2100.00} )

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 03/27/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan documents show tax payments due in XX/XX/XXXX and XX/XX/XXXX. The current servicer, Wells Fargo Home Mortgage, has changed the XX/XX/XXXX tax payment to XX/XX/XXXX ( though there is no difference in when it is due ) in their escrow analysis and now claims that the escrow has a deficiency. My tax and insurance obligation have changed by less than {$30.00} per year from when the loan was made, but Wells Fargo Home Mortgage is now claiming an escrow deficiency of over {$400.00}. It is clear by making the calculations that this is due solely to their changing accounting methods and using XX/XX/XXXX instead of XX/XX/XXXX for the tax payment date despite there having been no change in when it is due from the time the loan was let. Wells Fargo Home Mortgage ( who are not the original servicer ) claims that they can not make a tax payment by XXXX XXXX without accounting for it as a XX/XX/XXXX payment, but XXXX XXXX XXXX, the original servicer, had no problem doing so, as evidenced by the original loan documents. I do n't believe Wells Fargo Home Mortgage is allowed to change the accounting method without notice, and that notice would have been due within 60 days of the change in servicer, and was never given. I complained to Wells Fargo Home Mortgage by phone, and after review they have indicated they will not change their escrow analysis.

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 05/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TN).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: In 2012, we got XXXX services and had lots of problems with it working correctly. After numerous calls to them without anything being done to fix the problem, we wanted to cancel the service. XXXX XXXX XXXX representative told us that they would send a return box for shipping the XXXX equipment back to their facilities and we would not be charged any bill or fees. They later turned it over to a collection agency when I contacted the collection agency I was informed that XXXX XXXX XXXX pulled it from them, which later I found out they had turned it over to another collection agency. The collection agency representative was not nice at all, telling us to pay this account in full or face criminal charges. This is not a good way of conducting business. I will not recommend XXXX XXXX XXXX services to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Bank account or service (Checking account) with PNC Bank N.A. (FL).
Issue: Problems caused by my funds being low

Complaint: Do NOT include any personal information such as account numbers or Social Security numbers. 
I had a check hit my account during overnight processing - I was told by a represantive at the bank and customer service line that this happens at XXXX and XXXX in the morning. I was alerted my account was overdrawn around XXXX - I called told them that I was going to make a deposit and they advised me to call back once I had made the deposit and they would pay the check. I made a deposit at XXXX - I went into the bank where they informed me I needed to call customer service to make sure that the check was going to be paid. I called customer service who initially told to turn around and go back to the bank and speak with the Branch manager - I asked to speak with a supervisor - I was transferred to a Money Manager - who told me nothing could be done because the deposit was not made before XXXX and then said they needed to review the acocunt and speak with another Manager - I was placed on hold for XXXX hour and no one came back to the line. I called back and was told that it was too late and there is no such thing as a XXXX Manager and they had no idea what I was talking about. Extremely unprofessional, misleading and decietiful - all the way XXXX was the last represantive I spoke to and refused to provide her name or access to a supervisor. I had to ask several times - it is absolutely absurd that every the policies and procedures of a bank change depending on who you are speaking with.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Debt collection (Payday loan) with PLS GROUP, INC (TX).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I initially sent a cease and desisit request to XXXX and at this point am unsure if they received it. Received a call today for XXXX and called back and a XXXX XXXX picked up. Wanted to know why I was callling I advised her to advise them to cease and desist. XXXX XXXX then transferred me to XXXX. XXXX verified last XXXX of my social security number and I then asked me why I was calling. I advised her that I wanted to them to cease and desist any calls to me. XXXX then stated that they could only cease and desist if they were calling my POE ( place of employment ). She inquired on whether I was filing bankruptcy, I told her " no '' as I previously informed them that I was filing XXXX XXXX. I am tired of dealing with this company. Clearly the afent is unaware of a cease and desist as she asked me what I meant. Their collection tactics are tacky.

Company response to consumer: Closed with explanation