milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2016 about Mortgage (Reverse mortgage) with AMERICAN ADVISORS GROUP (FL).
Issue: Application, originator, mortgage broker

Complaint: In XXXX XXXX I began discussing a reverse mortgage with XXXX XXXX of American Advisors Group. As of today, although all the paperwork has been submitted and the loan approved was approved in XXXX XXXX, they have failed and refused to go to closing. XXXX XXXX does not return phone calls or respond to emails. There is always some excuse. It took months for the appraisal of my house to be completed. At the last minute, I was informed that I had to pay for the mortgage. The appraisal was finally done and then there have been one delay after another. If I did n't need the money to do certain repairs or to reimburse my savings for repairs already done, I would not be so upset. Each week there is another problem - he called to tell me that there was a mortgage on the house - no mortgage exists - the title company did not notice that when the mortgage was released in XX/XX/XXXX, the lienholder misspelled my father 's name, which they corrected with a second release of mortgage. Within 5 minutes of receiving the call from XXXX XXXX, I was able to show him what they missed. I had submitted all documents which XXXX XXXX said they needed, yet repeatedly I am receiving calls asking for the same documents over and over again. I have called numerous times and asked to speak with XXXX XXXX 's supervisor, no one ever answers the phone or when I leave a message, no return call is received. Last week I received a call from XXXX XXXX from XXXX XXXX XXXX and we went over judgments that were n't mine. Have not heard back from her. AAG has placed me in such a financial bind that I may not recover from it. XXXX should not be an approved HUD reverse mortgage lender. Please help me! The supporting documents are so voluminous that I could not upload them. I did not receive a XXXX XXXX XXXX nor did I receive a letter of approval. All approvals were verbally given to me by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (I do not know) with Receivables Performance Management, LLC (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company placed almost XXXX non-emergency, automated-type mobile calls to me outside the scope of my consent and without providing me means to discontinue receiving these calls. The calls were either abandoned or alternatively instructed me to hold as the the calls were being recorded.. [ for training purposes ] ...? I picked up about XXXX calls without success of halting the calls.

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 04/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On my credit report i have many accounts that were closed, but these accounts are very old from the early XXXX 's and its been far pas XXXX years where they should have been deleted. I would like to have them deleted cause they are having a negative impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX & XXXX  credit file dated XXXX & XXXX/XXXX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.

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 06-02-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Completed a loan modification with XXXX XXXX in XXXX. As part of the process XXXX started foreclosure proceedings, however completed loan modification instead. No fees for foreclosure were charged to me because XXXX chose to complete modification. In XXXX XXXX sold my loan to Seterus Inc. Seterus has been demanding that I pay a significant amount in fees and penalties. After multiple requests from me Seterus finally sent me a breakdown of these fees, showing that they are related to foreclosure procedures by XXXX. Since XXXX completed my loan modification, these fees can not be charged to me as XXXX did not charge me. 
Documents available on request.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Prepaid card (Gift or merchant card) with Blackhawk Network Holdings Inc. (TX).
Issue: Fraud or scam

Complaint: I bought several XXXX value visa cards in XXXX on XX/XX/XXXX. I found that XXXX cards were not able to use on XX/XX/XXXX and contacted the customer service ( XXXX ) XXXX on back of my prepaid cards immediately. They said something went wrong on their side so they would refund me via a check. I sent in all information they need : back and front of the cards, my driver license etc. However, the refund case XXXX has been investigated until now and no resolution has been made. And they could not even provide a time-frame of the refund since customer service said other second level department is investigating and has no response. I feel very dissatisfied that my XXXX refund needs such a long time to be delivered, and even do not know when I can get the check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-05-2015 about Debt collection (Credit card) with Persolve, LLC - Legal - Series 2 (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I, XXXX XXXX, with SS # *********** was sued by XXXX XXXX from Persolve, LLC, XXXX Account Resolution Associates, XXXX, located on XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX on behalf of XXXX XXXX for a Credit Card Debt that belong to me but was compromised on Identity theft together with other account that were corrected at the time by the creditors by following video survelliance proving that my Credit cards were used by another individual different than me. Other credit card companies were willing to do their own investigation and concluded in effected that it was not me using the credit card and by also looking at my history proven that i would n't of never used my credit card to that extend. I initialy was contact by XXXX XXXX requiring for me to pay for those transactions, during several comunications with them, I told the Credit Card company that I was victim of Identity theft and therefore that debt did not belong to me. In the beginnig I tried to keep my credit card in good standing by making my payments but they did not want to investigate the transaction in dispute and took legal process againts me. When it came to the legal lawsuit, they did not serve papers on time for me to appear to court, summons were served after the fact and did not give me the chance to respond. Now a lien is place on my property which is totally wrong. I follow the chain of command, I do n't understand how the other Credit Card that were also compromised were willing to investigated and XXXX XXXX just refused to and proceeded with a legal action that is impacting negatively in my Credit that I had work so hard for all this years.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Money transfer, virtual currency, or money service (International money transfer) with Deutsche Bank (NY).
Issue: Fraud or scam

Complaint: In USA the legal transfer fees commission is {$15.00} for all XXXXnstitution except for Deutsche Bank NY that collect 11 % commission which is illegal and abusive. What is interesting is the fact that the XXXX regulator XXXX has released a damming report into regulatory and compliance failures regarding benchmark rate rigging. Also it is not clear if this Abuse has anything to do with Deutsche Bank scaling back US operation???? Also is not clear if this is in retaliation to Department of Justice seeking a {$14.00} billion settlement amount that is bigger then Deutsche Bank market capitalization???? Lets take a transaction from XXXX XXXX XXXX and I will explain what is going on. XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : DEUTSCHE BANK XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX  XXXX REF :  XXXX REF XXXX On the US {$290.00} and on top there is another {$15.00} and the left over amount is only {$270.00}. This extra commission of Euro XXXX started on XXXX XXXXMy name is XXXX XXXX and since XXXX I am collecting my pension from a XXXX Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) My pension from XXXX is XXXX XXXX. In XXXX there is collected a commission of XXXX XXXX. Deutsche Bank XXXX transfer to NY XXXX XXXX. Deutsche Bank will take in NY another commission of XXXX XXXX so the amount received is only XXXX XXXX. The rate used to exchange it in US is XXXX = {>= $1,000,000} so for XXXX XXXX I got {$XXXX}. In XXXX the payment is very late and I can never count on it but there is an exchange rate of 1 XXXX  = {$0.00} OR 26 % COMMISSION. For XXXX XXXX, XXXX the real and official exchange rate was XXXX XXXX = {$1.00}. The rate used by Deutsche Bank NY is XXXX XXXX = {$0.00} and this is another abuse. Today XXXX XXXX the rate is XXXX - {$1.00} and the rate used for my transfer after all fees taken is XXXX XXXX - {$0.00}!!!!!!! I consider that the abuses of Deutsche bank with no respect for the fact that operate inside USA. collects illegal In my situation XXXX XXXX that is a lot of money taken from my pension. Now a commission of 26 % of my monthly payments of XXXX XXXX taken by Deutsche Bank XXXX and Deutsche Bank USA!!!!!. If all banks in USA used only a flat fees of {$15.00} why Deutsche Bank NY is allow to abuse people from USA. When you call them they ignore you. When my banks called them they ignore them too. Deutsche Bank abuse inside USA the transfers to American People by charging XXXX XXXX commission for international transfer fees. Since they take a commission in XXXX of XXXX XXXX and another one in XXXX. of XXXX XXXX for each XXXX XXXX Transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Private student loan debt) with Monterey Financial Services LLC (VT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The balance I owed them as of XXXX XXXX was XXXX, by this date they have charged me a total of XXXX $ in fees which they claim I owe them. Their collection fee is XXXX $ and I have been charged almost XXXX $ in interest fees and they continue to charge me those interest fees daily. I am being charged almost a thousand dollars in as little as 6 months and the balance keeps rising daily. I have tried to come up with a settlement with them and they will not take off any fees and continue raising the balance. The balance now is almost what the original loan amount of XXXX was, as if the XXXX $ I already paid doesnt amount to anything. When I originally signed the loan I was not informed of these fees that I would be paying if I defaulted in payments. This can not be legal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: I was recently denied credit for a HELOC by TD Bank and per the Free Credit Reporting Act understood I can request a copy of the credit report the bank used to make their decision. TD Bank has indicated they can not provide the requested copy and referred me to the credit report agency. In order to address any issues made evident in the credit report they received, I need to review that report as a copy received in the future may differ. Several requests have been made to no avail. However they have provided a summary document of the FCRA, but on pages 61-65 the Act addresses receipt of the documents when requested. Please let me know if you would like copies of their emails. I do n't understand why TD Bank is making this such a difficult process.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I printed the form on the CFPB 's website to request a free annual credit report from all XXXX main credit agencies, completed it and mailed it to the address indicated a few weeks ago, via certified, return receipt USPS delivery. I got a letter from Equifax that falsely claims it did not receive information just submitted, such as my address. It further demands my social security number and birth date. I have received copies from all XXXX major credit reporting agencies at the address provided since 2001, for well over 15 years. The credit bureaus are so out of compliance with existing laws and they have caused me so much damage with lost credit and higher costs of credit, that they should be required to send me my credit reports to the same address they have sent them to for years. They have acted hostilely to me for years and can not be trusted. Furthermore, they are not entitled to record, keep or provide my social security number and birthdate to third parties, yet they do so relentlessly against my written directions to cease and desist from doing so, exposing me to unwanted risks to my privacy, identity theft, cyber crime from all over the world, and enormous, unwarranted, credit difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NJ).
Issue: Managing, opening, or closing account

Complaint: Back in XXXX, I learned through XXXX that RushCard would be updating their system on XXXX XXXX from XXXX - XXXX. The RushCard post advised that you take out money just in case. I did not, because I felt that I had no immediate need for my money and a day or XXXX without, I could survive. 

Well, now it 's a week later and I still do not have access to my funds. It may seem like pennies to most, but I am the wage earner for my family of XXXX and EVERY penny counts. 

The lack of information regarding when RushCard will be fully functional and the encouragement for you to call, email, or message your info and someone will get back to ; only to receive a text about waiving fees and no further information about when everything will be back to normal. 

My husband and I have XXXX children, an XXXX XXXX old and a XXXX old and without having access to my money I was not able to properly feed the over the weekend. Do you know how had it is to get my XXXX child to eat something different? Let 's just say I could not wait until the weekend was over so he could be in school for breakfast and lunch ( FREE ) and eat what he is accustomed to. Dinner tonight is another story. 

If it were just me, you would n't have heard my complaint. But this is affecting my family. 

Sincerely, Head of Household

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-08-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I reviewed a copy of my credit report on XXXX. The following account was added to my credit file with XXXX HSBC XXXX XXXX, CA XXXXThe debt collector falsely reported their name. 

Section 807. False or misleading representations [ 15 USC 1692e ] ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 

The name and address is registered to XXXX a debt buyer. The debt collector claims to be collecting a debt from HSBC. They are not HSBC. 

The debt collector added this account to my credit report on XX/XX/XXXX without sending a written notice. To date, I still have not received a written notice, although the debt collector has verified all attempts to dispute with XXXX. 

Section 1692g of the Fair Debt Collection Practices Act says collectors must provide notice to consumers within five days of the initial communication regarding the debt, stating the amount of the debt, the name of the current creditor, and explaining the consumer 's right to dispute the debt and to obtain verification. Failure to send a 1692g notice, is a violation of the FDCPAThis complaint is for record only as I would like the XXXX, CFPB, FTC and State Attorney General to be aware of this debt buyer and their illegal business practices. They are previously XXXX XXXX and XXXX XXXX. The registered agent is XXXX XXXX. They now go by XXXX XXXX XXXX XXXX, the registered agent is again, XXXX XXXX. Same physical address. 

The debt buyer has violated several FDCPA and FCRA laws : No written noticeFails to identify as debt collectorCollects unauthorized fees, interest, or expensesMisrepresent debt character, amount or statusFalsely threatens illegal or unintended act

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Debt collection (Credit card) with CITIBANK, N.A. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Macys continues to add additional false information to my credit report. I had asked for verficaiton of the debt they said I owed. They then added additional negative marks on my credit report. Macys claims my account was charged off in XXXX XXXX but they have recently reported over 5 times in XX/XX/XXXX that the account was re charged off. 

I have disputed these facts with the XXXX credit bureaus and they say Macy 's confirmed and verified that they charged off the account all of these 5 times in XX/XX/XXXX, which is false and in violation of the Fair Credit Reporting Act and Fair Debt Collection Practices rights. 
15 U.S.C. 1681s ( a ) ( 1

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 08-02-2016 about Mortgage (Conventional fixed mortgage) with Moria Development, Inc. (AZ).
Issue: Settlement process and costs

Complaint: A mortgage lender opened a credit card in my name without my permission. She did this during the process of my mortgage loan which we never closed on. She stopped responding to my phone calls and emails and when I asked her about the credit card via email, I never got a response from her. She stopped all communication and because of that, I lost my dream home, my money that I invested, time and money lost from taking off work to provide all the documentation that she needed. Now my credit report has a fraud alert on it and it is now causing me to pay deposits for things like my XXXX bill of {$250.00}.

Company response to consumer: Closed
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I opened an income tax loan in XX/XX/XXXX with XXXX XXXX. When you receive this loan you are required to file your taxes with this company and when they receive your taxes they will deduct the amount of the loan before issuing you your income tax refund. There was n't a deadline for this loan as long as they receive payment during income tax season. I paid this loan in full on XX/XX/XXXX when XXXX XXXX received my taxes. Equifax is reporting this loan is open and the amount past due is {$490.00}. It also shows that I 'm 60-90 days late which is affecting credit tremendously. There was never a due date for the loan. The account is actually paid in full and closed. I have disputed this 3/4 times. I have went to XXXX XXXX and got documentation that the account is closed and paid in full. Equifax refuse to investigate this issue. I never missed a payment on anything and its not fair for me to have it reported on my credit as missed payments.

Company response to consumer: Closed with explanation