milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: Respected CFPB, My ONLY LIFE SAVIOR! 

I AM VICTIM OF ID THEFT AND CREDIT DESCRMINATION AND HAD FTC REFRENCE AND AFFIDAVIT, AFFIDAVIT OF IDTHEFT WITH LAW ENFORCEMENT REPORT ANS WITNESS WITH NOTARY. ALL THE PROOF OF HOW WELLS FARGO IS DISCRIMINATED ME TO JUST SAVE THEM AND THEIR BRANCH MANGERS. SO, XXXX they have contract with and many more loans which I found troubling and stood up to it and now they have blocked all of my checking accounts and a Credit card whixh is direct violation of 609e, FCRA and FTC. 

There was ATM MONEY JAM, I DEPOSITED XXXX ONLY GAVE ME THE RECEIPT I NEVER SAW IN MY LIFE HAVING DIFFERENT DATES AND DIFFERENT AMOUNTS. THEN, I CALLED BRANCH MANGER WHO IS ALSO MY BANKER AND ENCOURAGED ME TO OPEN ACCOUNTS WITH HIM INCLUDING BUSSINESS. I HAVE A CREDIT SCORE OF XXXX PLUS AND I GOT XXXX BUREAUS MEMBERSHIP ALONG WITH XXXX XXXX XXXX INSURANCE FOR TAKING CRADITORS TO JUSTICE IF THEY I 'D THEFT ME OR TRY TO DESCRMINATION AGAINST AN HONORABLE CITIZEN. I CALLED VICE PRESIDENT XXXX XXXX XXXX AT XXXX BRANCH AND HE GAVE ME NUMBER TO THR ATM OPERATIONS AND SAID IT HAD HAPPENED WITH THIS MACHINE LIKE 3 TIMES ALREADY. DO N'T WORRY JUST CALL THEM AND HAVE CLAIM. I CALLED AND XXXX XXXX AT ATM OPERATIONS GOT ME A CLAIMS AND SAID THE HOLD WILL NOT PUT ON AND WE OWE YOU THR MONEY SO PLEASE DO N'T DEPOSIT ANY NEGATIVE AMOUNT. NOW THEY ALL STARTED HANGING UP ON ME AND I HAVE LOGGED OF IT AND WITNESSES WHO ARE OTHER BRANCH VP like XXXX at XXXX branch. 
Then the XXXX alerted me wells Fargo has been trying to close your credit card but as you have XXXX they do n't have any reason to do so and they have your card blocked. I then was told when I directly called executive loss prevention and executive wells Fargo office and thry said you are clear we want to know if jam happened so have your branch manger call us and then XXXX XXXX said no they ca n't call them because he never has their number. I was like you are thr one opened me accounts and stile my money being the weeks Fargo representative plz allow me to deposit because all the payments are bouncing and I am going down as being already viticm of I 'd theft they said they do n't care about FTC or neve heard of the XXXX right or who is CFPB. 

Now it 's has been 2 weeks I am jaddicapped inhave all thr cards and money but thry are not lighting thr hold. They are telling me a risk lie! As thr branch manger said that you have caught their lies and now they are scree and want to just kick you out and report yiu to XXXX which again violations alot of them! So, approving me of credit card through XXXX whom I am member and gave me a limit of XXXX how I am a risk and I ran the risk and they all come out golden 100 % clean. So, just telling me on my face in front ppl I am risk is a slap to my religion and culture and ethnicity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/28/2017 about Debt collection (Other debt) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: In XX/XX/XXXX I was a self-employed home inspector. The housing market began a sudden decline and as a result I started to become delinquent on my bills. I received a check in the mail, from Beneficial of Ohio, in the amount of {$5000.00} along with a letter stating that, Records indicate that I may need some financial help at this time and all I had to do was sign the back of the check and cash it to open my account with Beneficial Finance. I thought the low in the market was temporary and so I took the offer. 
Once I got behind on this loan the fees and interest rate started to build up at a very rapid pace and no matter how hard I tried to work with Beneficial the fees and interest kept outrunning anything I could do. In XX/XX/XXXX Beneficial received a judgement against me for the amount of {$6100.00} which was far more than the amount I owed on the original loan in which I paid on for a couple years. I tried working with their attorney, XXXX XXXX to no avail. They refused to accept any and all offers including an offer in XX/XX/XXXX for the full amount of the settlement. They have now filed for a Revivor and said that I will now have to pay over {$13000.00} to settle this amount. 
This original loan was predatory in that they knew I was having difficulties when they made the original offer and they have continued this predatory practice ever since by adding fees, cost and interest that make it impossible to ever pay off. 
I had a total of 9 creditors in XX/XX/XXXX and was able to avoid bankruptcy by working with each and everyone of these creditors. Some settled, some differed interest and penalties as long as I made regular payments, but I was able to work with them to do the right thing. I attempted to do the same with this company only to be called names and be told that they will get all their money plus much more by XXXX XXXX, who works for XXXX XXXX, the attorney Beneficial uses to strong arm their clients. 
I have never denied owing them the money I borrowed and I have tried to work with them time and time again yet they continue their loan shark type tactics to increase their own profits.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The institution that I attended ( XXXX XXXX School ) was closed due to mismanagement of Federal Aid. I believe that I was wrongly charged to attend this school and would like my debt amended, since this institution is no longer in business. I am still being charged by Navient which there is a lawsuit pending against for overcharging students. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Checking or savings account (Checking account) with M&T BANK CORPORATION (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: This letter is to complain about service I recently received from an M & T Bank branch in XXXX, NY. On Wednesday, XXXX XXXX at around XXXX XXXX, I had used the outdoor ATM drive-thru at M & T Bank, ( XXXX XXXX XXXX, XXXX New York, XXXX. ) Since I had dropped something on the ground. I backed up my car to retrieve it, and when I checked the ATM, it had swallowed my card. 
My bank card is issued from XXXX bank, my branch is at XXXX XXXX, XXXX XXXX, NY, XXXX. I immediately went into the bank branch to retrieve my card, and was told that customer service would not return my card to me. They told me that the bank policy is to destroy the card since it was from a non-M & T bank. 
I was very angry and frustrated. This did not seem right to me, as I had all of my identification and would have been able to easily prove that I was the owner of the card. This has happened before once or twice in my life, and the bank in question has always been cordial. ( This happened to my wife at XXXX last year using a non-XXXX  card, and the bank returned her card by the end of the day to her. ) Your employees at M & T bank, however, were rude, unreasonable, and completely unhelpful. Normal policy or practice would seem to be to help the customer. 
Although I have received a new card from my bank, I am not pleased about the service that I received at your bank.

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My account has been in deferment for s few years as I struggle financially due to XXXX. I moved XXXX XXXXo a new home and XXXX XXXX apparently were unable to notify me I was near end of my deferment. When I saw a report of 9 lates on my credit report for my student loan I immediately contacted them to fix the situation. My account was placed back into forbearance starting XXXX which is before the alleged dates of lates. XX/XX/XXXX and XX/XX/XXXX. A month later and there is 9 more. This has substantially devastated my creditworthiness. I have filed multiple disputes and complaints to no avail. I have spoken with managers to no avail. I do not have the finances to make it very far in this situation.

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 12-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I, XXXX contact Conn 's XXXX account. Conn 's charge off two accounts {$40000.00} # XXXX & # XXXX XXXX charged off XX/XX/2015. They contact me to pay off a balance that I did n't owe the amount there requesting to pay. I read the law if a company charge off a debt they ca n't come back and collection a full balance. We need help knowing what we can do.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I need to explain to a person, the claim that I going to make, against specialized loan services, my second mortgage on my house, the way that they are treating me, and, I believe that they are doing to other people attached or dealing with this company.they already reported me to the credit bureau,3 times with no reason, and, when I spoke with a Manager, he told me that, it was my fault.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Mortgage (FHA mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a loan with servicing company, Loan Care ( account # XXXX ). I previously put a request for a credit dispute of a late payment that was reported to the credit agencies. Since XXXX XXXX, 2015, I received a letter stating that my loan is " current and that the late payments were to be removed for XXXX and XXXX 2015 '' on my credit report. I am requesting for another letter to have my wife 's name on it as well ( as she is on my mortgage account too ) ; also requesting to have LoanCare notify the credit reporting agencies that my wife 's credit account is " Current and to remove the late payments reported in XXXX and XXXX 2015 ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Mortgage (FHA mortgage) with VANDYK MORTGAGE CORPORATION (NM).
Issue: Closing on a mortgage

Complaint: Yesterday XXXX XXXX, XXXX, I advised XXXX XXXX our agent with VanDyk Mortgage that I wanted to change lenders because issues after issues have arose during the closing process and the sellers became frustrated with the lender. XXXX XXXX told my real estate broker, XXXX XXXX that he would speak with is boss about the situation. 

Today XXXX XXXX, XXXX my broker called XXXX XXXX and XXXX XXXX told my broker to call his boss XXXX XXXX. My broker advised XXXX that I XXXX XXXX ( the borrower ) would like to transfer to another mortgage company and that I want our file sent to us via email so that we then can forward OUR legal information to the new lender. ( which was the same initial request that I requested from XXXX XXXX ) XXXX XXXX proceeded to argue with my broker stating " You want us to do a courtesy? '' and, " I 'm not bound by any agreement to release any information given to us by the borrower back to them or anybody. '' As well as, " The borrowers have the originals they can resubmit them to the new lender. '' After my broker stressed that getting the paperwork together again would take time and may be a problem that we need the bulk file of all the paperwork we 've submitted to VanDyk Mortgage, XXXX continued to argue with the my broker at which time my broker ended the call. 

I figured it is illegal for a company to refuse to release any legal documents that are mine back to me.

Company response to consumer: Untimely response
Consumer complaint received 07/13/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm trying to correct inaccurate reporting on my credit report. While Wells Fargo has agreed to update reporting to the credit bureaus more accurately, I 'm still concerned that my credit is being reported negatively unjustly. Specifically, its letter to me stated that as of XXXX XXXX, 2013, I owed {$280000.00}. But for fees added, the sales contract amount of {$290000.00} exceeded the amount owed. The purchase contract was signed in XXXX 2013. The closing was pushed back by Wells Fargo, not by the buyer or the seller. So, is it reasonable, or even legal, that this should be classified as a short sale?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Student loan (Private student loan) with SUNTRUST BANKS, INC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: In XXXX XXXX, I contacted Sun Trust with respect to a loan from Sun Trust Bank that I co-signed for my granddaughter ( XXXX XXXX ) and offered a proposed settlement. On XXXX XXXX, XXXX, I received a letter from Sun Trust rejecting my extremely fair settlement offer of {$52000.00} ( original loan {$39000.00} ; interest as of XXXX, XXXX of approximately $ XXXX ) over a period of 14 months. On XXXX XXXX, XXXX, I wrote to XXXX and Trust explaining the reason why I was making the settlement - which included my age and health situations, and that since my granddaughter would not be able to make payments, it was my desire to pay this amount and not have to worry about additional interest later on or my ability to make those interest payments. I filed a complaint with this office ( CFPB ) within the same month ( File # XXXX and XXXX ). Sun Trust responded to the complaint I filed with your office and on XXXX XXXX, XXXX, I received a letter from XXXX XXXX, Vice President, Client Advocacy Management Office rejecting the offer made in my XXXX XXXX, XXXX letter. On XXXX XXXX, XXXX, I wrote to XXXX XXXX asking for reconsideration but have not received a response. A copy of this letter was sent to Sun Trust 's  corporate office and to CFPB. Despite XXXX 's promises, she has never made any payment on this account. In approximately two weeks I am scheduled for XXXX  XXXX and face approximately one month or more of extreme XXXX and XXXX. For 3-6  months I will have XXXX XXXX and I do not want to make any decisions - financial or otherwise during that time. Because of this situation with Sun Trust, I am unable to move on to refinancing my current mortgage because of the defaults listed by Sun Trust ( the only negative on my credit at this time ). My  mortgagor has advised me that my mortgage will likely increase to more than {$2000.00} per month (  which I will be unable to pay ) unless I am able to refinance. These are only some of the reasons I am asking Sun Trust for consideration but Sun Trust has one intent only - to charge and receive interest that would put me in terrible hardship. Based on the rate of interest I would never be able to pay off this account during my remaining lifetime. The total now due is $ XXXX ( {$7000.00} in interest added since XX/XX/XXXX ) and at this point I will not be able to make interest payments only or monthly payments period.

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 10-01-2016 about Credit card () with DISCOVER BANK (GA).
Issue: Customer service / Customer relations

Complaint: Dear whom it may concern, I did nothing wrong, but discover closed my XXXX discover credit cards without even a notice. That really frustrated me and caused my inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This in a complaint against the credit bureau TRANSUNION, XXXX who are violating federal law credit, my case is next, I am a victim of identity theft and have sent them more than 7 times this support police report where are each of the XXXX that were opened under fraud without my permission, I call every day and for the abuse towards me is having me for over an hour for the department fraud treat me and have the nerve to not attend the call and the call of waiting falls, I could only communicate with the department of disputes and they can not do anything, I 'm a little tired XXXX this situation 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 01/24/2018 about Debt collection (Other debt) with The CBE Group, Inc. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/XXXX, I ordered a cell phone from XXXX XXXX. XXXX offered me a 14 day window to return the phone with no cost. Prior to the 14 day window, I returned the phone without ever activating it. The return was processed and I received a refund on my credit card. I am an XXXX XXXX XXXX customer and do not have any other accounts with XXXX. 

In or around XX/XX/XXXX, I noticed that I was not receiving text messages from XXXX XXXX users. I contacted XXXX and they informed me that because of an error in their system, even though my phone was returned, they had assigned my phone number and account to a XXXX phone and my texts were getting lost in the system. I was told the issue was resolved. 

In late XX/XX/XXXX/early XX/XX/XXXX, I received a notice from CBE group, a debt collector, dated XX/XX/XXXX, seeking to collect {$180.00} in charges associated with the XXXX account that I never used. 

After several calls with XXXX and CBE, the last on XX/XX/XXXX, in which I sought to resolve the issue and asked that CBE purge my personal information from their database since I never owed the debt, I was told that the issue was resolved and that CBE was investigating whether they could remove my sensitive information. I have not yet followed up with CBE but when I last spoke with them they suggested that they would not remove my information which seems like a violation of the FDCPA. 

On XX/XX/XXXX, I received a letter from XXXX dated XX/XX/XXXX, acknowledging that my debt is {$0.00}, but threatening to report the debt to all major consumer credit bureaus as a " write-off '' and stating that it could damage my credit. 

I have spent countless hours on this issue and XXXX and CBE should not be allowed to get away with these threats because XXXX has even acknowledged that I never owed a debt because I never activated the phone and returned it within the allowed window of time.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing on a mortgage

Complaint: Bank of America, N.A. transfered the service of my loan to XXXX XXXX XXXX, decpite of promise at closing document no to do it. On SERVICING DISCLOSURE STATEMENT, it says : " Your mortgage loan will be serviced by Bank of America, N.A. and it does not intend to sell, transfer, or assign the servicing of your mortgage loan. 
I contacted BofA representatives 3 times regarding this issue and they say that " does not intend to transfer '' does not mean that they will not.

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 12/22/2016 about Debt collection (Medical) with Collection Information Bureau, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have never received notification or a bill that I owe anything like this

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX XXXX XXXX is still reporting on XXXX, XXXX, and TransUnion credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX XXXX XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX XXXX XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #

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 05/26/2015 about Debt collection (I do not know) with Arnold Scott Harris, P.C. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Credit determination

Complaint: credit limit was lowered from {$4000.00} to {$200.00} without notice and phone call to XXXX XXXX revealed they had done a soft check on my credit and XXXX had reported erroneous negative info, check with XXXX and credit is is good with them so dispute is with XXXX XXXX

Company response to consumer: Closed with explanation