milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2016 about Mortgage (Home equity loan or line of credit) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: To whom it may concern, I feel that freedom mortgage is intentionally delaying the approval of my home refinance in order to gain more money out of me thru the increased fees of a rate expectation. On XXXX XXXX. XXXX I filed an application to refinance my home mortgage to pay off my credit card debt that I occurred in the repairs of my home. XX/XX/XXXX I called XXXX to see if I was approved and I was informed that my application was canceled and no explanation as to why. So I re applied at the same interest rate and the same amount to be borrowed. It is now XXXX XXXX, XXXX and I still have no approval on my refinance and I received a notice of unrealistic demands from freedom mortgage In order to come to a decision. 1. Freedom mortgage wants XXXX from all of my employers in XXXX by XXXX XXXX. By law employers have until XXXX XXXX to send out XXXX and I have not received mine so I can not comply with the demand from freedom mortgage. 2 I have given freedom mortgage all the documents that were requested of me in a timely manner and gave my reasoning as to why I did n't have some documents in my possession and freedom mortgage knowingly understood and accepted my justifications. I will not be held responsible for the delay of the approval of my refinance or any changes included by the inaccuracy and unorganized ethnics of freedom mortgage. 
Thank you for your time in understanding my concern

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 11/24/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I do n't know where to start with 'WellsFargo '' I Have paid all my accounts with wells fargo they have sent me letters stating that everything has been paid and reported to XXXX and XXXX yet the have lied and continuously left me out and the dark they have the XXXX stating that they will not remove me because of fraud really look how many of their employees have been FIRED OF FRADULENT ACOUNTS AND SCAMS yet they sit they and judge me when they hired a bunch of crooks serious I made mistakes I 'm not proud but I never defrauded anyone like your employee they even closed my bank account because I 'm XXXX I was dating rich white man and he wrote, me checks for bills and etc.And the bank teller told me that I was a XXXX and I should be ashame of myself in the branch in front of everybody put me to shame because I 'm dating a rich XXXX these are the people representing wellsfargo I never in my life been so humiliated another personal banker PUSH ME OUT THE BANK YES and they gave me my money in the parking lot I 'm not not making this up I still witnesses til this very dare and I 'm still with same XXXX who left wellsfargo because of this incident who are these people where did they come from they sholudnt get away with this, I want my named cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (NY).
Issue: Using a debit or ATM card

Complaint: The complaint described herein is centered towards Citibank not advising of ATM fees at the point of transaction, and not necessarily about the fees themselves per se. 
Citibank uses their ATM terminals at many, if not all, XXXX convenience stores in this area. The ATM is clearly marked as " Citibank '' and is furtherly recognizable as such by their corporate logo. Citibank also co-markets actively with the XXXX XXXX XXXX XXXX XXXX XXXX, of which this writer has been member of since 2009. 
On many occasions, I 've used my XXXX card at the Citibank ATM terminals at various XXXX stores. Never, not even once, did the Citibank ATM prompt a warning about fees incurred by use of an XXXX card at their terminal, which reasonably leads one to assume that there are no fees. 
I believe this a deliberate act, a deceit by omission. For example, when I tried my XXXX and XXXX cards, the Citibank terminal display will promptly, and quite correctly, apprise me of the imminent usage fees incurred by both Citibank and the card issuer, at which point I 've always declined. 
In all, I 've been relieved of approximately {$50.00} ( {$2.00} withdrawal and {$.00} inquiry fee ) in unsuspected fees in just the last month. My investigation is ongoing back to when I joined XXXX in 2009, which may be more or less that stated amount, but it 's entirely plausible that I 've lost approx. $ XXXX {$700.00} dollars a year for the last 7 years that I 've been a member of XXXX , which I only discovered serendipitously while checking my account relating to another matter. If warranted, I 'd like to be remunerated for these fees entirely as well as punitive damages. 
Moreover, there are potentially hundreds, if not thousands, of XXXX employees that are unaware of such fees. Citibank certainly is n't saying anything. Moreover, I would n't be surprised if the XXXX, and even XXXX, are complicit in this matter. It 'll be interesting to see where this investigation goes. 

After all, XXXX XXXX started out as " nothing '' ...

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 01/23/2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (NY).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a new BBVA Compass Bank ClearConnect checking account on XX/XX/XXXX under the terms of an advertised promotion for new customers stating that I would receive a {$200.00} cash bonus for my new account. The terms of this promotion stated that " within sixty days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account. '' I had my employer direct deposit payroll switched to my new account and the first direct deposit posted on XX/XX/XXXX. Now that I fulfilled my requirements, I expected to receive my bonus as stated in the terms : " The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements. '' According to the 60 day timeframe, I should have received my bonus by XX/XX/XXXX. But it was never added to my account. On XX/XX/XXXX, I attempted to contact BBVA Compass Bank about this issue. I sent them a secure message through their website inquiring about the delay and the bonus. A week has since passed and they have failed to even respond to my inquiry. They are clearly attempting to avoid meeting their obligations to me after they induced me to sign up for a new account with the promise of a bonus. 

I have attached a document that shows the terms under which I signed up for the new account, as well as evidence of my payroll deposit on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/26/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Affidavit of Denial XXXX XXXX XXXX XXXX OF PENNSYLVANIA COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 

3. THIS IS NOT A DEBT VALIDATION LETTER Date : XXXX/XXXX/XXXX I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with XXXX XXXX that authorizes you to collect on this alleged debt The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank You, cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion continues to report obviously incorrect information for the XXXX account on my credit report. It shows a 90 day late payment for XX/XX/XXXX. It is not possible to be 90 days late in a 30 day period. Moreover, if payment was 90 days overdue for the 30 day period of XX/XX/XXXX ( which defies basic logic ) why does the report show on time payments for the following adjacent months : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX ; and XX/XX/XXXX? Transunion has an obligation not only to verify information reported from a creditor, it is also obliged to report information accurately, which it has clearly failed to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BBVA COMPASS FINANCIAL CORPORATION (TX).
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: XXXX HARD INQUIRES

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Settlement process and costs

Complaint: My XXXX yr old mother, who lived in a gated community in XXXX was convinced to sign a reverse mortgage agreement with Wells Fargo Bank, in XX/XX/XXXX. She had to be moved to assisted living late XX/XX/XXXX & her house had to be sold, which it was, 7 year / 3 months later ( XX/XX/XXXX ). She received {$250.00} a month thru that time. That means that she received from Wells Fargo Reverse Mtg. $ XXXX At the Closing, Wells Fargo Took {$62000.00}, Leaving my mother with next to nothing, on a house that was PAID OFF, previous to starting the reverse Mtg. That 's nearly triple payback of what they paid to my mother. She 's now nearly destitute -- -Shamefull !!!

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 10/16/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Nelnet has ceased to accept payments on weekends. Recently, when scheduling a student loan payment online, I was unable to schedule a payment for any Saturday or Sunday. My credit card, utility and cell phone bills are all payable on weekends. Surely it 's possible for a Federal student loan servicing company to accept ACH payments on weekends as well. 

My loan accrues a few dollars a day in interest every day. If I ca n't pay until the Monday after the weekend, it costs me almost {$20.00} in interest alone. In my opinion, this is the most likely motivation for Nelnet to refuse to schedule payments on weekends. A student loan servicer should do exactly that - service my loans. They should not prevent me in any way from paying to my own detriment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Student loan (Federal student loan servicing) with MOHELA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: 1.   XXXX   ( most likely ) or Mohela is inaccuratly reporting a {$48.00} million dollar balance for one of my   XXXX   student loans.
2. The current loan servicer, Mohela, is not reporting the full loan history relating to each student loan as it should for a monthly credit rating - this should be accurately reflected on all of my credit reports. This failure causes the appearance of a much shorter period of responsible student loan history. ALL monthly loan rating history relating to my student loans should be reported to the Credit Bureaus - this has a significant impact on credit scoring.
3. I have  XXXX  open student loans and Mohela ( or the credit Bureaus ) are reporting loan #  XXXX  and #  XXXX  as a single loan on the credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Closing/Cancelling account

Complaint: I had a credit card from Kohls Department store that was charged off. The amount owed that 's displaying on my recent credit report is untrue and inaccurate. XXXX different amounts due are be displayed. I never received any letters or notification that this account has been charged off and closed, including a large amount of past due that I 'm unaware of. I believe Kohls Department store purposely distorted the balance on their company 's behalf and now I have to suffer consequences that are untrue to me. I feel upset and in distraught and this balance due to not threaten me to have future occurrences hold me back from increasing my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have several loans with Navient from XXXX XXXX. When XXXX XXXX closed I contacted Navient to resolve the issues with XXXX fraud. I have filed a borrowers defense application with Navient and they have continued to charge off my loans, report to my credit reports etc. They have not taken the time to even review the application after faxing and emailing it. As it stands now they have damaged my credit report beyond repair.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a credit card that was about to be charged off when I contacted the original creditor and paid the card off. It was reported on my credit as paid and resolved by the credit grantor. Then a few months later the same account was showing up as a collections account now owned by Midland Funding LLC. This has been reporting as a collections account since XXXX although I paid the debt in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have been paying my mortgage twice a month by automatic debits with no issues, on XXXX/XXXX/16 {$2400.00} was debited, {$1000.00} more than should have been deducted, I spoke to a representative assigned to my account XXXX, XXXX at XXXX explained the incident and he said it was a mistake and that it could be fixed, he instructed me to fax a letter with my request, which I did to XXXX, I did not hear from him for 3 days and he claimed that he could not find the letter I faxed. after going back and forth with no result, I finally gave up and told him I did not want the money returned to my account, as it would be to late and I would not be able to pay my mortgage taxes by the time they would returned the {$1000.00}. XXXX indicated to me that my mortgage was up to date until XXXX 2016, subsequently I was paid 2 weeks later, I paid my taxes online and 3 days later they deducted another {$1100.00} leaving me with insufficient funds, I attempted to call and speak with XXXX but now they refused to connect me to him, I do not have time to explain myself to another representative as he was familiar with my issue. I have been unable to pay my taxes and there is a certificate that will be issued after XXXX XXXX, 2016, the reason I was not prepared to pay my mortgage taxes this year is because I was presented with a hefty IRS bill this year that I was not prepared for. I paid online {$1100.00} on XXXX/XXXX/16 I am assuming the prior deduction and the monies I sent on XXXX/XXXX/16 will cover the XX/XX/XXXX payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello, I am a XXXX resident who has multiple XXXX and XXXX student loans with Navient ( formerly with XXXX XXXX ). I have been making extra payments on these loans, in hopes of paying them off early so that I can save more for retirement. In order to pay down my balances as quickly as possible, I have been paying off the loans with the highest interest rates first. 

Navient has been misapplying my payments. Each time that I begin making extra payments on XXXX loan, they do apply the extra payment to that loan. But then they advance the due date for the loan that I am paying early, and reapply my regular monthly payment across the remaining loans. They do this in spite of the fact that each time I make an extra payment, I select the option for them NOT to advance my due date. This means that I am paying more interest each month. 

When I asked Navient why they were misapplying my payments, they said it was because my loans are in " groups. '' They said they could ungroup the loans, but given my past dealings with them I am concerned there will be consequences to doing this that they are not disclosing. I do not think Navient should be able to use this " grouping '' practice to end-run around the requirement that they fully apply extra payments early. 

I have attached an example. If you look at this payment history, you can see that as soon as I began making extra payments on this loan, Navient stopped deducting my regular payments on the loan. If you look at the statements for other loans in this group ( most of which are at a lower interest rate ), you would see that they 've spread this regular payment across the remaining loans.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Just received response from Equifax for complaint XXXX. The company did not complete an actual investigation for the second time regarding this matter. I disputed the accuracy of the information in regards to the date of first delinquency for XXXX XXXX and XXXX ( formerly XXXX Bank ). I have XXXX XXXX Bank accounts XXXX for {$6000.00} and another for {$3600.00}. The account in the amount of {$3600.00} is the disputed account which matches the XXXX collection account. The XXXX account with the amount of {$3600.00} was removed from my credit report because it is past the 7 year mark XXXX XXXX XXXX XXXX, 2008 ) however, Equifax is stating that the associated XXXX account is reporting accurate information. This is not true because the original creditor already stated to me that the date of first delinquency was in XXXX 2008 AND Equifax already removed the original creditor account. XXXX stated the same but will not dispute the information with the CRA. Please advise what my next step is in removing this inaccurate information before I can initiate a lawsuit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I reached out to Phoenix Financial Services by certified mail on XX/XX/XXXX to validate a debt that was reporting on my credit report. Phoenix Financial then mailed me out a letter dated on XX/XX/XXXX that they could not verify the debt and it  will be deleted from all 3 credit bureaus. XX/XX/XXXX i received notification from XXXX XXXX and XXXX that all of those accounts were deleted from Phoenix Financial. I then received another letter dated on on XX/XX/XXXX from Phoenix Financial that they were confirming that all accounts were closed and returned to the original creditor. Today, XX/XX/XXXX I received an alert from XXXX that new collection account was placed on my XXXX  report from Phoenix Financial Services. Phoenix Financial did not send me anything prior to reporting this onto my credit report nor did they give me enough time to validate this debt. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.
( B ) Requirements relating to reinsertion of previously deleted material.
( ii ) Notice to Consumer I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for you blatant disregard for the law. I Have attached copies of those letters from Phoenix Financial Services in regards of the deletions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation