milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been on an income-based repayment plan. I submitted my application early for renewal but received no communications. When I called, I was told that they had not received the application from student loans.gov yet and would not for up to a month longer. I waited the month which put me close to the deadline and then called to be told that there was missing information. I had never been notified of this. I submitted the information, having been told that they would expedite the processing so that I would still make the deadline. They did not expedite the information and now I am being told I need to submit more information. I am now overdue with an amount I can not pay. I will have to pay fees and go into forebearance which compounds the problem of high student loam debt. If this was the first time I would consider it a mistake but this has happened every year I have applied for income-based repayment. Income-based repayment is the only way I can feasible afford this payment and feed my family.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (WV).
Issue: Loan modification,collection,foreclosure

Complaint: My spouse and I, in conjunction with our legal representation, would like to pursue a Deed In Lieu of Foreclosure with our lender, Wells Fargo. We moved out of the property XX/XX/XXXX due to a change of employment. Since that time we have done our best to find buyers while continuing to pay the mortgage. Some of the ways we attempted to alleviate the financial strain of the mortgage was refinancing XX/XX/XXXX, renting out the property, and living with relatives. Unfortunately the cost of maintaining the property is too much, even with rental tenants. The home currently needs repairs and thus we are unable to find new tenants. When we looked at our finances we knew we would eventually run out of funds to maintain the cost of the mortgage and thus we sought help XX/XX/XXXX. 
We were informed that in order to be considered for a Deed In Lieu we would first have to go through the short sale process. Our initial request for the short sale program began back on XX/XX/XXXX. Wells Fargo confirmed the request on XX/XX/XXXX. After what seemed to be an eternity, Wells Fargo finally informed us that we had gotten approval to participate in the Short Sale Program on XX/XX/XXXX. There were no potential buyers during our entire time in the program, which expired on XX/XX/XXXX. 
On XX/XX/XXXX, I called Wells Fargo to inquire about the Deed In Lieu option, but they refused to speak to me regarding my account. On XX/XX/XXXX, we initiated legal representation as mentioned above. On XX/XX/XXXX, Wells Fargo calls me and I request that they contact my legal representation because I have hired them to assist me in pursuing a Deed In Lieu. A letter, dated XX/XX/XXXX, is sent to Wells Fargo requesting a Deed In Lieu. Wells Fargo acknowledges receipt of this letter on XX/XX/XXXX. This letter states that they will " provide [ us ] with the results on or before XX/XX/XXXX. '' It also states that " In the event additional time is needed [ they ] will contact [ us ]. We have received no such response and our legal representation has also received no such response. 
We recently, XX/XX/XXXX, received notice of a foreclosure date of XX/XX/XXXX. Our legal representation has called in attempt to find out what happened to our Deed In Lieu request, but Wells Fargo is not responding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Account opening, closing, or management

Complaint: I am a XXXX XXXX, with a vacation home in the USA. I have had a checking and savings account with HSBC USA for about 5 yearsAbout 6 weeks ago, the HSBC USA regulatory team contacted me by e mail, for additional information. Specifically, they needed my Social Security number, and details of my XXXX.As I was in XXXX at the time, I was asked to present these to a local branch in XXXX to have these 'verified '. On XXXX the XXXX XXXX, I brought these items into the XXXX branch in XXXX, with details of where to send the verified copies. I was assured this would be done. 
Long story short, HSBC USA never received anything, and without any prior warning, I discovered yesterday that they have cancelled my accounts with them, and have advised that a check will be mailed to me in 7-10 working days. I have now opened another account with another provider, but until I receive, and cash the check from HSBC ( approximately {$22000.00} ), I have no means of adding funds to my new account. 
This has left me without any means of getting and cash, and without a local credit card. Furthermore, I have a number of direct debits set up, which will no longer be honored. It is likely my credit rating may be negatively impacted if or when a direct debit request is declined by HSBC USA. 
I am extremely unhappy I was not contacted to be told there was information missing, or given a chance to rectify the problem now I am here in the USA. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (HI).
Issue: Credit decision / Underwriting

Complaint: I obtained a XXXX Mortgage as well as a XXXX mortgage on my home XX/XX/XXXX with Wells Fargo Bank. I lost my job of 27 years, at the age of XXXX, XX/XX/XXXX, and after 2 years, spending all of my life savings of {$150000.00}, still unable to find work, I was forced to file for bankruptcy protection in XX/XX/XXXX. In that filing, IT IS A MATTER OF RECORD THAT I REAFFIRMED both mortgages with Wells Fargo. The industry being in the mess that is was, I never received confirmation letters confirming my reaffirmation on both loans, no matter the number of attempts made. In the entire life of each of these loans, before, during, and after the bankruptcy filing, and continuing to this day, I HAVE NEVER MISSED A SINGLE MORTGAGE PAYMENT NOR HAVE I EVER MADE A SINGLE LATE PAYMENT ON EITHER WELLS FARGO LOAN in almost 10 years of paying the XXXX and XXXX mortgage. Yet, all three credit reporting agencies report that the mortgages were included in the bankruptcy filing rather than reaffirmed. I have contacted Wells Fargo repeatedly, filed credit complaints, provided the history, and Wells Fargo 's answer is that, notwithstanding the fact that I can prove both were reaffirmed, since they never confirmed that fact, they will not correct the record. 
I have suffered substantial and continuing harm from Wells Fargo 's egregious refusal to correct the record, such that my credit scores are as low as in the XXXX 's notwithstanding a perfect payment history with that bank and all others, with the exception of the bankrupted debts which did not include Wells Fargo Home Mortgage. 
Please tell me what can be done to correct this injustice. 
Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Consumer Loan (Vehicle loan) with TCF NATIONAL BANK (NJ).
Issue: Shopping for a loan or lease

Complaint: I received a letter about non approval of loan application with these reasons ; ( 1 ) lack of recent installment accounts. ( 2 ) insufficient length of credit history. ( 3 ) lack of recent information on auto loans or lack of auto loans. It also included credit score XXXX. When I called I was told it was denied because I got the loan elsewhere. How can they deny a loan and send a letter with above reasons? XXXX was the credit agency listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Credit card () with CITIBANK, N.A. (NC).
Issue: Billing disputes

Complaint: I had fraudulent activity on my Citi credit card that I disputed in XXXX. I was issued a credit and received confirmation all had been resolved. Then on XXXX XXXX, 2015 I received a letter saying the transaction had been reversed. I immediately called Citi and was told the office that handles disputes was closed and to call back the following day. I did as instructed and called back. The agents I spoke with said the wrong department had handled my dispute originally and that another disputed had been issued with their fraud department and for me to expect a refund in approximately 2 weeks. Well here it is 2 weeks later and still no refund. I called them yesterday and was told that I had 15 days to respond to their letter and since I had not responded the matter was closed and there was nothing I could do. I explaine that I most certainly did call as soon as I revived the letter and the agent at Citi said no I had not and nothing else could be done. She would not allow me to speak with a supervisor so I 'm left no other options at this point other than to seek your help to gain resolution on this matter. 

Thank you, XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with United Revenue Corporation (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am wanting to buy a home so I am trying to pay off bills I have in collection, I wasn't aware of a lot them that are in collection due to the year they went in, which it ranges from XX/XX/XXXX-XX/XX/XXXX and mainly all medical bills from XXXX 's I had to have, I looked on XXXX XXXXXXXX to see what all on there but it didn't list them all for some reason ... i have asked all 3 credit burous for my reports due to I cant seem to just look at them on-line ... anyway ... on XX/XX/XXXX i started to call the agencies where i have bills at pay them in full, i called XXXX XXXX that my report said i had 1 bill at there in amount of XXXX but they informed me i had 3 bills in amount of XXXX, I requested they send me a statement and they said they don't have to send me anything and how would l like to pay that today? I told her i'm not paying anything till I get a statement and she informed me well I guess you will owe this forever then .... 
next one is United Revenue i had 3 bills there according to my report but when I called they said I had 5, the 2 I didn't know about amounted to XXXX which the total of all was XXXX so i paid it all in full and requested they send me a statement that says each bill that is paid, she informed me we don't do that, I can send you a email for proof of payment saying paid in full, I said ok but how do i get a statement of each bill that was paid, she basically said she doesn't know nor do i care ... .this was after i paid it all in full ... my acc # is XXXX and conf # is XXXX that's all she tell me, next one is XXXX XXXX my bill there was XXXX which I paid in full but said she could not send me anything that said i paid ... she said use your account to prove it, I cant prove its paid by that cause there is no name of company where the bill came from nor would it say paid in full ... .I am so mad that all these places don't give a XXXX about you and all they want is money..all of them told me it would be over 6 weeks before my credit report would say its been paid or longer depending on how they feel ... .this is not freaking right ... I'm trying to get my credit to a great place and they don't seem to want to do XXXX for you ....

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Debt collection (I do not know) with Mid-Atlantic Consumer Services (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting called and being asked to call XXXX to pay debt or face legal consequences, which is a scam. I do n't owe any debt, and the threat and harassment is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Other

Complaint: Bank of America/ MBNA did not follow through regarding a payment plan as described. I have been following up requesting information and communication in writing, and MBNA refuses. This is causing me XXXX and damages.

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 11/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OR).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX/XXXX/XXXX I paid Citibank {$1100.00} on bill pay on accident. I used to have an active account with Citibank but the account has since been closed. I clicked the wrong payee on my XXXX XXXX bill pay and mistakenly send Citibank the payment. 

XXXX/XXXX/XXXX I realized I paid Citibank instead of XXXX XXXXXXXX XXXX. I called Citibank to ask for a refund. I called three times and each customer service agent said they would call me back to verify my identity. I got one call back from XXXX XXXX XXXX XXXX but it only rang twice and I didnt get to the phone in time. ( called and spoke for 16 minutes, 5 minutes, and 11 minutes ). 

XXXX/XXXX/XXXX I called Citibank to follow up and asked to spoke to a supervisor. They told me they have no way to verify me and I have no avenue to verify myself, as I dont have the phone number I had when my account was active. They only verify identity through a third party phone number resource. I offered to send a utility bill, drivers license, or social security card and the agent said that they will not use that to verify identity. Because I cant verify my identity, they will not refund my money. ( called and spoke for 7 minutes, 59 minutes ). 

XXXX/XXXX/XXXX I called XXXX XXXX and had them call Citibank with me on the line. Citibank said I cant verify my account without a phone number that checks out with them. They dont have enough information to verify my account and it will remain locked. Citibank gave XXXX XXXX agent the fax number XXXX XXXX XXXX XXXX to fax proof of payment, she said 5-7 business days to receive refund. Supervisor is XXXX : XXXX is her identification number. XXXX XXXX guy XXXX ID : XXXX. ( called and spoke for 75 minutes ). 
This did not result in my getting a refund. I continue to receive bill statements from Citibank showing a negative balance of {$1100.00}. 

XXXX/XXXX/XXXX I called XXXX XXXX to follow up. They offered to try to call the customer service again. I opted to call the number for Citibank corporate ( XXXX ) instead. I was re-routed to a call center outside XXXX, so I hung up. ( called and spoke for 1 minute )

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 06/18/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was called by XXXX XXXX XXXX minutes ago saying someone tried to open a Credit Card using my Name/Social/DOB. They said they will remove the inquiry from my credit report. But I see on my Credit report that I have XXXX more inquiries in the last few days that are also Fraudulent. I put a Fraud Alert on my Credit but need these XXXX inquiries removed from my Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen is continuing with a foreclosure despite a bankruptcy filing, a Chapter XXXX Petition with the United States Bankruptcy Court, District of West Virginia, in Case Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have tired to correct information on my credit report. I have disputed it with both the Bureaus and the creditor. They have not properly investigated and resolved my issue. XXXX XXXX XXXX XXXX begin a modification process on my XXXX and XXXX mortgage at the same time XX/XX/XXXX. After complying with the terms and paying the trial modification my XXXX was modified permanantly in XX/XX/XXXX but my XXXX was not. I constantly asked XXXX XXXX XXXX the status, they said it was still working, I continued to pay the trial payment, then XX/XX/XXXX I got another notification that my XXXX mortgage was under trial modification, Again I continued to pay it on time and in XX/XX/XXXX the XXXX became permanant, almost 1 year later. XXXX XXXX XXXX reports that I was 120 days late and that I was late on my XXXX mortgage since the trial began. They corrected this on the XXXX mortgage but not on the XXXX. I made payments as agreed and yet the report is not an accurate reflection of what happened. I never got an explaination as to why the XXXX mortage took so long. But with the XXXX, XXXX XXXX XXXX Reported that I was on time from the start of the XXXX XXXX. In addition when we started this program - due to job loss- we were told there was nothing that cold be done until we were behind. I would like to have my credit reports reflect as paid as agreed on my XXXX mortgage from XX/XX/XXXX until now. I have attached documetation showing my payments, the agreement and the impact on my credit report. Please HELP I have sent endless disputes to XXXX XXXX XXXX and The Credit Bureaus to no avail. This really hurts my ability to get back on my feet, since the modification, we have been able to make payments and straighten out our financial lives, this inaccuracy does have devastating impact.

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 09-02-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputing that the Public Record Information is inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: On or about XXXX/XXXX/2017, Chase bank unexpectedly closed my checking account after being a good standing customer of theirs for nearly 15 years. For over a month they have been holding my funds of {$6800.00} in my checking account and not releasing it to me. These funds include deposits I made in my account as well as my salary from my employer. 

There is no kind of levy, seizure, garnishment, etc. on my account and the only explanation they 've provided me so far is that they are looking into it. I initially spoke with a XXXX XXXX at XXXX and he did not provide me an explanation as to why my funds have not been released back to me. It has been over a month that they are holding my funds and I have not been able to pay my rent or any of my bills. I find it utterly appalling that this could even be legal or allowed for a national bank to do. I am hoping I have not be defrauded as I have read several similar complaints online against Chase bank. Any help you would be able to provide me regarding this matter would be greatly appreciated. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (SD).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Capital one pulled money from, my checking account without my authorization. I called Friday, XX/XX/XXXX when the transaction was pending in my checking account and was advised they did not " see anything pending '' on my account. I recived an email XX/XX/XXXX stating the payment was post to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Closing on a mortgage

Complaint: My closing dates have been changed twice once on  XXXX   XXXX    XXXX   and  one  today costing me  XXXX  $ each time because of documents they did n't find they are dogging this possess to make money I think I 've been running all over to try to move it along faster to no avail.Please help me in at with end they had me close all my credit card acconuts approximately 40 days ago and stop all reaccuring payments so they could get pay off amounts! Now I 've been late with some payments because of this! Call me or email me  XXXX  XXXX  XXXX  or  XXXX   XXXX    XXXX    XXXX  thankyou

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 06-04-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am unable to get loan approval because XXXX XXXX XXXX / account number XXXX is showing the verbiage " Account Information Disputed by Consumer ''. I am not disputing this account and demand that the statement be removed from my credit file ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief