milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Once again I have been trying to get a loan modification on my home for a year and overtime I would submit information that has been sent back for the same information submitted. I have submitted information in duplicate and triplicate. This has been a very XXXX frustrating dilemma for me and my family to say in the least. Wells Fargo has never given me an answer instead they have kept moving the sale date and asking for the same information. The last piece of information was a explanation from my XXXX who had a major XXXX XXXX and has been hospitalized since the XXXX week of XXXX. Due to this affection I was unable to get the information requested. I tried to explain it to my rep, what transpired but he stated unfortunately their was nothing that they could do. This has been ridiculous on how I have been treated through this whole ordeal. Regardless whatever they asked for I would bend over backwards to submit. Hopefully you can understand how I feel having to go through this for a year. All I ever asked from Wells Fargo was a chance to get a trial modification to work on saving my home, but it seems like hey have a vendetta with my loan and the games that they are playing are really affecting my family 's well being. I also am in a class action suit against Wells Fargo on sub prime loans which they dropped my principal but again they raised it. Enclosed you will find the information that has been sent to Wells Fargo. Since now I am facing a XXXX XXXX sale in which they did not postpone I need the current situation to be amended so that I can save my home. Attached you will find information that proves I have complied with Wells Fargo. My prior as number is XXXX. This is my second filing due to the fact I had been told on numerous occasions that underwriting had everything that they needed but always needed the same thing that had been submitted. Enclosed you will find the numerous times that they have assured me that they have everything that they needed to move forward as well as a list of items documented in duplicate and triplicate.

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 04-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I can not get in touch with a human to express my problem. Out of frustration I am filing a complaint about the XXXX credit reporting agencies. I have several creditors showing up as bad debt and they have been closed for over 7 years. This situation is really messing me up at repairing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a modification over 2 years ago. It was plagued with misapplied funds, inconsistent record keeping, and a price increase in violation of our signed modification agreement. After falling into a difficult financial period, Wells Fargo offered me the opportunity to submit another modification request, full well knowing I had a prior modification. After 2 months of gathering & submitting all documents to their satisfaction, I was told by preservation specialist XXXX XXXX that they can not even consider looking at my documents because my prior modification appears to have been less than 2 years ago. She would not provide actual dates, explanation as to why Wells Fargo went though the extensive document gathering process, or what the guideline is that I do not meet the qualification for. I was initially told there were various options, including allocating past-due payments to the back of the loan. My payment increased {$150.00}. per month above the agreed upon modification schedule after only 1 year, greater than the rate reduction I received per month. My interest rate went up, not down, during the initial modification process. I do not believe any of these manipulative tactics are legal according to XXXX guidelines. Please assist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (CO).
Issue: Account opening, closing, or management

Complaint: I requested that my checking and savings accounts at a previous bank ( Suntrust ) be closed. At the time of the request, they were both in good standing with XXXX balance. 

My savings account was closed, but my checking account was not. Additional charges were posted to the account a week after the account should have been closed. Because of this, the account is now delinquent, and I can not close 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 monetary relief
Consumer complaint received 11-06-2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (PA).
Issue: Using a debit or ATM card

Complaint: I have filed separate complaints over {$38.00} fees charged for insufficient funds. Now M & T is charging multiple fees for just XXXX order. I made XXXX order from XXXX. The order is processed as shipped so there may be XXXX or XXXX debit charges for XXXX purchase depending on how many box 's. How can M & T charge multiple times for just XXXX purchase? This theft of my funds.

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 12/16/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I paid my mortgage down to XXXX % XXXX, I sent payments to wells fargo as they requested, I sent wells fargo a copy of a certified appraisal, my property appraisal is XXXX and my mortgage balance is currently XXXX that puts me at XXXX in equity. 
wells fargo refuses to return my calls, i faxed to wells fargo a written letter to cancel PMI. 
I electronic transfer payment from my bank and it has been tasking over 10 days to apply to my account. 
they keep asking me for more money and they keep sun I feel they are violating the homeowners protection act they keep giving me the run around

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 03/17/2016 about Student loan (Federal student loan servicing) with United Student Aid (USA) Funds (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Last time I was in school was XX/XX/2006 I had dealt with XXXX XXXX for years before getting things paid. I also was apart of a class action lawsuit against them in which we won. So now I find out my tax return was Allocated by a company called Navient which I had to XXXX to see its a renamed XXXX XXXX basically. Now, 10 yrs after I 've been out of school and four years since I last heard from anyone from XXXX XXXX or Navient my whole tax return is taken? Last Iheard was the minimal settlement check I received from the hearing. Why is Navient trying to collect a debt that has already been dealt with? If it was n't dealt with I 'm sure it would n't have been almost 11 yrs before tax money would be allocated. Navient is doing the same thing XXXX XXXX got sued for but they do n't get monitored so they get away with this kind of stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (IL).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: On Tuesday, XXXX XXXX 2018 I purchased a US Bank XXXX GiftCard at XXXX in XXXX XXXX, IL. I added {$500.00} in value at purchase. As per the instructions, I registered the card online, provided my name, address, email, and phone number. On Wednesday, XX/XX/XXXX, I began using the card to pay my Trash Collection service, electric ( XXXX ) bill, a prescription copay at XXXX, and my copay for my XXXX visit. 

I confirmed my new balance was {$280.00}, and went to use my card for another doctor copay for {$30.00} on Thursday, XX/XX/XXXX. The card was declined twice. It was embarrassing because I was confident there were funds available, and a doctor 's office is definitely a merchant where a reasonable person would expect a transaction would be approved. After a third decline at the doctor 's office, I offered a traditional credit card, and the transaction was immediately approved. 

Then, early on XX/XX/XXXX, I tried to pay my landscaper for snowplowing my driveway. The same {$280.00} was available on the card, and his invoice was only for {$47.00}. Again, the transaction was declined twice. 

At this point, it was obvious something was wrong, so I contacted " XXXX XXXXs '' at XXXX. As an aside, US Bank does NOT make this number easy to find. Not only is it not printed on the card itself, it is quite buried on their website XXXX. The representative kept providing a nonsense response that I was trying to use the card at a " blocked merchant ''. There is no valid reason my doctor or landscaper are blocked merchants, but the representative literally just kept repeating the same illogical statement. I read the cardholder agreement, and the only transactions which are prohibited are things like internet gaming, other illegal activity, and transactions outside the United States. 

I should be able to use my Gift Card to pay office visit copays or for snow plowing services, but as of now the {$280.00} is essentially locked on my card. I do n't need US Bank to pick and choose how I can spend my Gift Card. I am paying for ordinary, lawful transactions in the United States, that are clearly in the scope of their Cardholder agreement.

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 09-12-2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: incorrect info on my report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Debt collection (I do not know) with Phoenix Financial Services LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Phoenix Financial Services, LLC is  attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (   XXXX   XXXX   XXXX   XXXX    )  this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit  reports.Phoenix Financial Services, LLC a re in : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character and HIPPA Law!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Account opening, closing, or management

Complaint: As part of the XXXX upgrade process, filed app with Citizens bank which to my surprise turned me down for a $ XXXX/mth paymemnt despite a XXXX income and a XXXX credit score. Turn down was due to a lien that was opened and shut on the same day, 100 % satisfied because it was a clerical mistake initially and should n't have existed. have n't been turned down in 30 years and the XXXX from XXXX is the lowest of the scores, XXXX with XXXX. Based on internet complaints concerning Citizens Bank, they are simply declining customers for no legitimate reasons.Most likely because they are too small to handle the number of apps they are receiving. This is wrong on so many levels. I have tried to reach the bank officials and they are always too busy to speak and do n't return phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Mortgage (Home equity loan or line of credit) with POPULAR BANK (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had an equity line of credit with Banco Popular. In XX/XX/2011 I was granted a discharge of debt the equity line of credit was not part of the BK. For the past 9 months I have been working on the credit so that I could re finance the house. Banco Popular had to be paid off in order for me to have any hope of getting a loan. Over the course of several months I was able to negotiate a payoff and a promissory note. I gave them $ XXXX and agreed to a no interest payback for a fixed amount over 36 months. The balance after making XXXX more payments was {$10000.00}. My refinance lender told me that we could go ahead with the refinance, however he could not get BP to send a payoff amount. After several weeks XXXX sent a letter asking for a few XXXX dollars more that I agreed to pay in the promissory note. When I challenged them on it, they revised the amount of the payoff but told me that they were going to issue a XXXX for the difference. During my escrow period I received a statement from XXXX reflecting my payments and the amount due almost $ XXXX dollars more than the amount we agreed to in the note.

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 12-01-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I attended XXXX XXXX University XXXX XXXX XXXX, NJ XXXX for XXXX school and the only lender that you were allowed to borrow from was XXXX XXXX, now Navient. Since repayment started in 2007, I have paid {$31000.00} of which {$5700.00} has been applied to the principal. That means {$25000.00} or 81 % of my payments has gone to interest. At this rate, I will never be out from under this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX is reporting erroneous information on my Equifax credit report. I have a charge-off that was reported in XXXX 2008. This debt has expired according to the statute of limitations. In addition, XXXX XXXX XXXX has posted INVALID CHARGES. The invoice was coded incorrectly. Please remove this trade line from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MORGAN STANLEY & CO. LLC (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Account #  XXXX  ; reported late payments  XXXX   XXXX . We applied for a loan modification on a property we owned. We were told that they would only grant a modification on a loan that was 90 days in default before they would even talk to us. We allowed the mortgage to go the 90 days and were then told that if we made any payments, it might restart the calendar, so we deposited the mortgage payments into a savings account so we could settle the account at the end of the process. In the meantime, their collection department called on a regular basis, threatening foreclosure. We told them we were applying for a loan modification, but they refused to verify this with the loan modification department. The collection department sent the loan into foreclosure while the loan modification was still in process. We paid the default amounts, legal and court fees and THEN got an offer of a loan modification. The terms of the modification were actually WORSE than the original loan, so we turned down the loan modification. We feel that Saxon Mortgage acted in bad faith during the transaction. We followed their instructions and they reported us as being delinquent. We only followed their instructions for getting a loan modification. We had the money to pay during the application and they took a whole year to offer a loan modification with terms worse than the original note, which we chose to reinstate. We feel they acted in bad faith and then damage our credit for following their instructions.

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 05/14/2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XX/XX/XXXX, I filed XXXX bankruptcy in the XXXX XXXX of Indiana . In my petition, I listed all current accounts. All credit bureaus were properly notified, as were all affected companies. 
On XX/XX/XXXX, my bankruptcy was discharged. 
I logged into Equifax to initiate a dispute on several past addresses, and noticed XXXX ( image enclosed ) was still showing under investigation ( proof to the contrary enclosed ). It is also showing a derogatory status, with a balance. It has shown this during the entire bankruptcy proceeding, meaning Equifax has violated the automatic stay AND is culpable for reporting inaccurate information, thereby damaging my credit. Furthermore, there is a XXXX XXXX XXXX account you 'll notice on the enclosed image that is showing under investigation as well, although there is no current investigations according to the XXXX image. This is misleading and clearly a misstep on Equifax 's behalf. 
Moreover, XXXX addresses shown on my report do not belong to me nor ever have, and Equifax refuses to remove them ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On my credit report the account with XXXX XXXX XXXX was opened XXXX/XXXX/2008. As of today this has not been removed from my credit report. The XXXX clock starts ticking XXXX days from the date ( month and year ) of the first missed payment that led to charge off, collection, foreclosure or repossession. 
" The XXXX ( credit reporting ) period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the XXXX-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action 15 U.S.C. 1681c ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and have been a victim of identity theft for quite some time. I have a fraudulent and unauthorized credit inquiry listed on my Equifax and XXXX credit report that do n't belong to me. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX, XXXX/XXXX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On   XXXX   XXXX   XXXX     I filed a complaint with cfpb regarding medical debt that continue to reappear on my credit report. After my complaint with cfpb the medical debt reporting on my credit report was removed in  XXXX  now again in  XXXX  it has reappeared back on my credit affecting m y credit score and sho wing closed in collections. On my report that I filed with cfpb the company said they would remove it from all credit reporting agencies and even though it was removed  XXXX , TransUnion, and   XXXX   are reporting it again in  XXXX . My file number with cfpb that states this will be removed from all reporting agencies  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 11-04-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Transworld Systems has contacted me numerous times despite my telling their staff that I paid this debt directly to the doctors office and it is paid in full. There is no debt to collect, however they continue calling and sending letters.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX-2012 Not my account Fraud account identity theft

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 03-03-2017 about Consumer Loan (Installment loan) with Avant Credit Corporation (MD).
Issue: Managing the loan or lease

Complaint: I have had this AVANT account since XX/XX/XXXX. The terms have changed several times and out of XXXX paid, only XXXX has beeb paid towards interest. 

I made a settlement with AVANT and paid it XX/XX/XXXX. i paid {$500.00} to settle the account. I received a settlement confirmation and close of account letter from AVANT. I am still receiving statements and bills from AVANT.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Checking or savings account (Checking account) with ZIONS BANCORPORATION (ID).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I am having trouble with Zions Bank not approving direct deposit from my current employer into my checking account. It shows that my employer tried to deposit my check but was only allowed to deposit XXXX. Its very frustrating to sign up for something and it not go through.

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