milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2017 about Checking or savings account (Checking account) with DISCOVER BANK (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I deposited  XXXX  into my account and did a couple of transfers which i am allo wed 6  transfers with money market account and unlimited with checking so i had an external account linked with my checking account and i made a transfer from discover bank to  XXXX   XXXX   XXXX   and discover stopped my transfer in the amount of  XXXX  and asked me why did i transfer it after i deposited the funds in their bank, i told them i 'm allowed to transfer my money anywhere i like so they then said they are closing my account and the transfer was completed but they still managed to stop it then they said the funds were fraud and t hat 3 banks w ere asking for the funds back which is not true bacause the banks they named i do n't even bank with period.The funds came from  one ba nk only and when i asked why are they accusing me because i made a transfer they said i can not have my funds and it was being closed for fraud, my bank tried to recover the funds and wa s denied.My fund s are still at discover and i want them.They also said send in proof of identity and i did still they are keeping my money while it is gaining interest .They kept telling lies saying   XXXX   XXXX  ,  XXXX , and  XXXX  were asking the funds back, they came from  XXXX  and they should have sent it back to them but they wo n't they said for me to tell  XXXX  to do an indem but if the bank was asking for the funds back due to fraud why would n't they give them to the bank, it 's because that is not true and they are trying to keep my money it 's been since  XXXX  the  XXXX  that they have had my funds and i am still able to check it but not able to get the funds because the account is froze and suppose to b e closed.This disc over bank lies and gains money off of customers money.I did not do any fraud and i need my funds.Their customer service make false statements and are very rude.They also get angry when you transfer your money out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (WA).
Issue: Problem with additional add-on products or services

Complaint: I applied for the loan, however, luckily I did n't accept it. I tried contacting them via telephone and a gentleman answered took all of my identification information like my social security, date of birth, address, he said for identification purposes, which made me fee uncomfortable but I figured it was party of the process and as soon as I have all my personal information he acted like he could n't hear me on the phone any longer and hung up. I called again and customer rep that answered listened to me explain how I felt uncomfortable that they asked for all my personal information and hung up on me, and then this one hung up as well. I called a third time & when the rep answered I told them u wanted to cancel my application and as soon as I said it they hung up the phone on me again. I just feel like they may be trying to steal my identity with the information they took down from me and feel like they are just there to scam people. I did research on this company and it just so happens that I read that they were previously castle loans or something where they 've scammed a lot of people. Can you guys please make sure that they do n't do something illegal with my personal information. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (WV).
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: Today ( XX/XX/XXXX ) received a letter from XXXX XXXX stating that my XXXX XXXX account had been sold to XXXX XXXX XXXX with a balance of {$930.00}. The number for XXXX XXXX XXXX does not provide a contact. Synchrony admits that the number provide is incorrect. XXXX XXXX refuses to provide any information on why there is an account balance. XXXX at XXXX XXXX advised that the only option was to talk to the collection agency ( XXXX XXXX XXXX ). At that point XXXX also advised that there was no supervisor/manager/director available to talk to and repeated that the only option would be to talk with the collection agency. 

The last bill received was in XX/XX/XXXX for {$230.00} which was paid by XXXX XXXX Bill Pay - sent on XX/XX/XXXX with confirmation number of XXXX. No subsequent usage of the credit card was made nor were any subsequent bills received. During today 's call XXXX XXXX   confirmed that they had the correct mailing address for my account. As there has been no usage of the account and no bills received there should be no balance. Regardless of that without a bill showing the balance there has been no opportunity to challenge any invalid charges. 

I have also found that the card is blocked and online access to the account is also blocked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with GOLDEN 1 CREDIT UNION, THE (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XX/XX/2017, my credit card was auto-drafted without my awareness. I did not receive a bill or notification from Golden One Credit Union for the amount due until after it was reported 30 days late. The debit was paid in full upon receiving notification of the amount due.Furthermore, I have never been late in the past, nor have I ever carried a balance on the 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 10-01-2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: AD ASTRA RECOVERY SERVICES received certified mail from me on Friday XXXX XXXX, 2017 of notice to validate debt and to provide an original wet ink contract stating I owe debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Mortgage (FHA mortgage) with Seterus, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We have been trying to a modification on our property for 3-4 years and still have not been settled. Started with CitiMortgage. First attempt, " denied '', income too great. They looked at previous years, not the reduced income to occur in the immediate future. Second attempt, " denied '' currant on payments, we were told we would have to get behind in payments, which we ended up doing. Third attempt, they lost paperwork and we were told we had to get currant with payments. We could not do that and they would not accept partial payment. they said all or nothing. Then it went into Forclosure and we found out it that XXXX turned the loan over to Seterus as the new servicer of the loan. It went into court for a Foreclosure date. Seterus agreed to attempt try for modification. XXXX requested that we go thru XXXX to assist us. we went thru the program and took the financial help class. We received approval and final modification documents, Took them to XXXX, signed them, notorized them and they were sent back. Payments to begin XXXX XXXX, XXXX. Tried to get auto pay set up for payments. Denied for that process, informed that figures in final modification documents were incorrectly calculated. were in the process of correcting and sending out the new documents. in the meantime went to Foreclosure court on the XXXX of XXXX XXXX. House was turned back over to XXXX. Received XXXX documents that evening. Signed, notorized and sent back that day. Been informed by Seterus that them documents figures are still incorrect again. we are still waiting receipt of the XXXX set of documents. Told it would be middle of XXXX, with XXXX payment of XXXX XXXX. We have continued to make our trial payments since XXXX XXXX. Also informed that none of the payments are credited toward the loan itself. Still do n't know if XXXX documents will be correct. This process has been a burden and stress on the family. I feel that this process has gone on long enough, longer than anyone else that I know that has went through a modification. Nobody knows what else I can do, or other actions to take. ( ie Lawyers and financial advisors )

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Closing on a mortgage

Complaint: XX/XX/XXXX : NC DOJ # XXXX Financial Fraud Section XXXX XXXX ( XXXX ) case number XXXX OCC Case # XXXX NCCOB # XXXX # XXXX " I have been attempting to address this matter since XXXX, your help in promulgating closure regarding the XXXX escrowed funds that were never forwarded, once sold, to Nationstar Mortgage would be readily appreciated. I maybe contacted by phone, XXXX, or by mail at the NJ address provided until XX/XX/XXXX due to elderly parent 's individual personal matters. I have an upcoming XXXX XXXX County Court hearing scheduled and expedited pertaining to this situation. 


Escrow issue : XX/XX/XXXX - XXXX XXXX XXXX - closing for XXXX XXXX and XXXX XXXX XX/XX/XXXX - Erroneous paperwork - Mortgage sold to XXXXXXXX XXXX XXXX- XXXX sold financial investment to Nationstar Mortgage Escrowed funds never transferred with applicable interest from XXXX. 

The consumer concern regarding the Mortgage transferred from XXXX XXXX is clear. I never received confirmation of Mortgage Servicing Rights once the transfer was completed after the XXXX NCCOB was filed. It is of the utmost importance as I am currently addressing an identity theft case pending in XXXX County. A previous tax filing by accountant unearthed a XXXX document disclosure discrepancy. ''

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit card () with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Billing disputes

Complaint: The credit card company claims that I owe them money, but I traced every charge transaction to a payment. I called them to go line by line to show them that they were paid, but the company has refused to help me all three times I 've called. They keep transferring me to different people or departments, and no one can help. They keep repeating the same formula for how the amount is calculated, but they do not seem to be interested in me telling them that the calculation does not line up with the activity. They do not seem to want to recalculate the charges versus the payment to see my side of things, but instead keep referring me to different departments or people. I 've called three times already and now have to call again. I would like them to listen to side and follow the charges versus the payments as I have done. Also, I 've tracked the payments and show that I 've over paid on a few items and the balance should actually be a credit balance, and in fact they owe me money instead of me owing them money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NM).
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: On XX/XX/XXXX I was overcharged on my Visa card by the XXXX XXXX for a TV they claim I broke. The TV was not functioning well as we were trying to view it hence it was already broken but the motel manager tried to blame it on me and charged me for a total of {$300.00}. I then disputed this charge with the Best Buy Visa card sponsored by Citibank and after waiting two months for a resolution they told me I was responsible for these charges. the only supporting documentation they sent me was a copy of my registration invoice for XXXX XXXX  on XX/XX/XXXX and a copy of the detailed Folio from XXXX XXXX  of the broken TV charges. This seems wholly inadequate documentation on the part of my credit card company, it appears no real investigation of the charges were pursued. I never was informed of these charges by the motel and although they claimed that they sent me documentation of the repairs, I never received such by certified mail or any sort of mail.

My credit card company was made aware of this and apparently made no attempt to adequately dispute these charges on my behalf.

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 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I 'm filing a complaint because the credit bureau is documenting that I have had several dismissed bankruptcies. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at XXXX Thanks in advance

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 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On Saturday XX/XX/2018, I received post card stating XXXX, XXXX and Experian were putting my Credit File on XXXX XXXX. 

I never requested to be put on XXXX XXXX. I would like an investigation into how these credit reporting Agencies can put you on XXXX XXXX without the Authority of the consumer in question. 

Waiting for a reply. 

XXXX 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 explanation
Consumer complaint received 03-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with QUICKEN LOANS, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am in an active loan modification review with my lender Quicken Loans and have a trustee sale scheduled for tomorrow, XXXX XXXX, 2016 at XXXX. I spoke with Quicken Loans and was informed that they will not be postponing my sale. I believe this is a form of dual tracking and completely illegal and are unsure why they are choosing not to assist me in this matter. I am now forced to hire counsel and help protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I recently loss my wife in XX/XX/XXXX, and tried to refinance my home to get a better interest rate. I was later told that I had a lien on my home from Wells Fargo Financial in XX/XX/XXXX for XXXX recorded XX/XX/XXXX Book XXXX page XXXX. In XX/XX/XXXX we refinanced the loan with XXXX with no problems. My lawyer and myself have reached out to Wells Fargo ( phone calls and fax ) several times in regards to getting the lien released on my home. After a month of trying and getting no response I need another way of getting the lien released. The process of getting my home refinanced has come to an halt. Because I have not gotten a response on my lien being released and I can not personally talk to someone at Wells Fargo that can give me answers. I have faxed XXXX letters to Wells Fargo requesting the lien release.

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 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (NM).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Continuing and Escalating Concerns of XXXX, the Work Number then, XXXX and XXXX. 

( X ) Contuined Fraud ( X ) Theft ( X ) Scamming X ( Collection ) ( XXXX, XXXX ) Public Notice {$10000.00} National Credit Systems XXXX XXXX {$1600.00} X ( Creditor ) ( XXXX, XXXX ) XXXX XXXX XXXX XXXX {$840.00} X ( Past Employers ; XXXX XXXX ) ( XXXX/Work Number ) XXXX XXXX XXXX No FICO Score ( XXXX )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2015 my wife tried to withdraw money from our joint checking acct with HSBC. It did not work, so I called HSBC XXXX that night ( I have called many many times over the XXXX years with HSBC ). They told me there is a block on my account and I need to call Monday morning to sort this out. On XXXX XXXX, I called, spoke to XXXX, who told me my account has been closed. HSBC said they had sent letters / emails to my wife requiring some information from her or the account would be closed. My comment to HSBC is why did not they not call me before doing anything drastic like closing my account. At this time, my wife got on the phone with XXXX and told her that she in fact did receive emails but ignored them saying she thought they were spam. XXXX said that they tried to phone us but it did not work. XXXX mentioned some phone number that was not ours. This call got cut off. XXXX minutes later I got a call from XXXX who admitted HSBC was at fault and should have called me ( her phoning is also proof that they have my correct phone number - record attached ) and that HSBC would send me a check through registered mail that I should receive in XXXX business days. They would also send me by text the tracking number. This conversation was recorded by HSBC. 
XXXX XXXX, I phoned HSBC, XXXX, to inquire where was my check. XXXX told me that it is has not been sent, as HSBC needed to confirm my address. On the same day, XXXX XXXX, I received mail correspondence from HSBC - separate issue and attached, that shows they did have my address ( not changed in XXXX years ). XXXX also said my account was not closed and was " restricted ''. XXXX promised to call me XXXX XXXX with more information. I did get a call from her on XXXX XXXX, was unable to answer it, and called by HSBC and spoke to XXXX. XXXX told me XXXX is the supervisor and is required to call me twice ( she did not ). I asked XXXX to escalate the issue ( and I also confirmed my address with him ) he promised to have a supervisor call me back within an hour. They did not. After a few hours XXXX called me back, apologized and said that I now need to speak to XXXX about this issue. I told XXXX that I want my money, and that I will contact the XXXX Police Dept and report HSBC for theft. He told me there is nothing he can do, and that XXXX will call me on XXXX XXXX. At this point ( XXXX XXXX ), I could still see my account online. XXXX XXXX, my account is suspended online ( attached ), and when I called HSBC as soon as they get my account number, they immediately hang up, so I must be flagged as " do not speak to this person ''. Therefore, HSBC has my money and I am completely unable to contact them. So I must wait for XXXX to call, HSBC has broken their promises before so I may or may not get this call. I have no recourse at all and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a loan through Citibank which was originated in XXXX XXXX. I called in late XXXX XXXX and asked about the processing of removing PMI from the loan. I was advised to fill out a request, set up an appraisal appointment and pay the cost for said appraisal. Once that was completed, I called Citi and verified that the PMI was removed. I recieved a letter in the mail affirming this. In mid XXXX of XXXX, I recieved an updated Escrow statement showing PMI being added back to loan. I called Citi and they said they did not know what happened but they would fix it and a supervisor would call me back. That did not happen. On XXXX XXXX, XXXX I called Citi again and supervisor told me that the PMI should not have been removed since the loan was less than 2 years old and that they were planning to send me a letter to notify me. I asked why that was not explained to me during my call BEFORE I spent money and time on an appraisal and she told me that the associates at Citi can not see how long a loan has been open. They are now saying I have to wait until XXXX XXXX to try and remove the PMI again. I am at 73 % of LTV. I will also add that during my original loan application, I was not notified of this time constraint.

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 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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: My ex-husband and I purchased a home in 2001. Shortly after, we divorced. In the divorce, he was granted the home, and assumed all debt related to said property. I have submitted court documentation to the mortgage company multiple times, yet they continue to report this debt as mine. I am now in the process of trying to purchase a home for myself, and am practically unable to do so because this account is being reported on my credit report as a delinquent debt, and as a large debt that is artificially inflating my debt/income ratio.

Company response to consumer: Closed with explanation