milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2016 about Credit card () with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT).
Issue: Advertising and marketing

Complaint: Well I 'm a XXXX with limited credit history. I work and receive public assistance. So I want to build credit because I 'm XXXX with limited credit because I went though a rough period in my life from age XXXX. So I went to Peoples united banks website and saw that they offer a credit card to college students with limited credit history. So I applied and was rejected so I called XX/XX/2016 to ask why was i rejected. The Person on the other end told me i was rejected for limited credit history. After arguing I asked to speak with the manager. The manager told me i was denied for limited credit history then it was because i have n't had a line of credit since 2012 so he said it had to be recent credit history then he told me that they could falsely advertise because they had hidden terms i could net see on the website when I applied for the card ( meaning it was n't available in the fine print ) so I ask can I speak with his manager and i was put on hold where I hung up. The last thing He said that he was going to put in a complaint. So I hung up because my father works for XXXX call center he told me that they put angry customers on hold and tell them things to get them off the phone ( like saying he was going to put in a complaint about false advertising ).

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We paid off the mortgage of our house to Nationstar Mortgage on XXXX XXXX, XXXX. After multiple visits and calls to their office, XXXX County clerks insist that they have not received the Release of Lien letter from Nationstar Mortgage yet and the loan is still under our names in the county 's records. XXXX County does not accept any XXXX copy of the Release of Lien and they need the original one from Nationstar Mortgage. 
In addition, the status of loan payoff is not being reflected in the MERS system ( still shown as of XX/XX/XXXX and XX/XX/XXXX, when we refinanced it XXXX. 

The Director of Real Property of XXXX County advised me that they ( the county ) can accept an original certified Release of Lien letter to be sent by Nationstar Mortgage to me and I can then submit it to the county to negate the loan ( see the communications embeded in the attached file " Complaint to NSM - XXXX '' ). They showed me similar letters from different financial institutions and emphasized that there is nor problem with sending such a letter to the borrower. 

I made over XXXX ( XXXX ) phone calls to Nationstar Mortgage and sent XXXX ( XXXX ) emails and XXXX ( XXXX ) signed letters to their Customer Relation Department along with the emails from the Real Property Director of XXXX County requesting the original certified Release of Lien letter. 

Despite all of the above, unfortunately, Nationstar Mortgage keep sending the same machine generated ( XXXX ) copies to me over and over and the county clerks keep rejecting that. XXXX additional identical copies received yesterday. 

Supporting documents are attached. 

We, my family and I, are stressed out with this issue and we desperately need your help to resolve it as soon as possible as I will be deployed overseas soon. It is so frustrating that after months of paying off the mortgage, our house registration is still in limbo. 

Looking forward to hearing from you

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Seterus, Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been with Seterus, Inc. for my mortgage for about XXXX years. I have been trying to refinance my home and Seterus has not updated my credit history in over a year. I have called Seterus once a month since XXXX XXXX to update my report and every time I call they tell me it will take a month to reflect on my credit report. As of XXXX XXXX, it still has n't been updated and I can not refinance my mortgage or my vehicle.

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 10/17/2016 about Debt collection (Medical) with Receivables Management Partners, LLC (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: IMC Credit Services in XXXX, IN has reported on my credit on behalf of XXXX XXXX XXXX XXXX XXXX without me being contacted in regards to settling the bill. They report a balance of {$320.00} on all my credit reports which is incorrect because I have made several payments on their website and asked to be contacted to offer a settlement amount since they have never tried to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Although this complaint had been answered after a long delay, I would like to place it record to demonstrate continued deception and fraudulent tactics used by Wells Fargo towards servicing my loan. 
During a call on XXXX XXXX, XXXX with a Wells Fargo representative advised me that the " XXXX XXXX '' attorneys were appointed by the State of New Jersey and Wells Fargo has no control over them. I sent in an inquiry to Wells Fargo on XXXX XXXX, XXXX seeking clarification. On XXXX XXXX, XXXX, XXXX XXXX called me to state that attorneys represented Wells Fargo but he would not be able to provide confirmation by mail before XXXX XXXX, XXXX. There was a two week lapse in receiving confirmation and Wells Fargo finally acknowledging that XXXX XXXX were retained by Wells Fargo. I believe this was another deliberate misrepresentation by Wells Fargo to delay the processing of information and prevent request for further information from their retained attorneys. The confirmation was finally mailed out XXXX XXXX, XXXX. I believe they intentionally mislead consumers by such instances of false information so that consumer are unable to contact appropriate personell.

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 04-01-2016 about Student loan (Federal student loan servicing) with Texas Guaranteed (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: XXXX has been servicing my loans since 2008 or longer I 've been a XXXX since, I also have student loans through XXXX. All were and have been in good standing ( deferred ) until XXXX drop the ball and defaulted all of my student loans they were holding. According to them they were n't aware of my school attendance. I then provided documentation that I have been in school and so they began to repurchase my loans, all except XXXX of my loans. My XXXX loans. Reason being is their saying that they are no longer servicers of those XXXX loans and that XXXX are the new servicers and that navient needs to repurchase them. Even though XXXX by error defaulted them cause they were holding the XXXX loans at XXXX point but now that they defaulted they are no longer the sevicers and do n't have access to repurchase the loans. So I 'm stuck in a situation where I ca n't go to school and get financial help as a single mother of XXXX trying to better myself I do n't qualify for financial aide services etc because I have XXXX loans showing defaulted. The grantors that have the loans are harassing me for payments and threatening garnishing my wages. I ca n't afford this I 'm barely making ends meet! I 'm trying to finish school to better myself and this has become a total nightmare. I call navient they say they ca n't repurchase cause they were n't the ones who defaulted the loans blas blas. I just need my loans repurchased! I do n't care who repurchases them. I 'm stuck in the middle of this nightmare XXXX made by error. And they do acknowledge it was an error but ca n't seem to help fix it! Can someone please help me? This is n't right. And if I ca n't attend school next semester due to these default loans on my account then it will only make matters worse cause then all my other differed loans will come out of deferment because I 'm not attending school, but how can I attend when I do n't have money to pay out of pocket and government wo n't fund my schooling with defaults on my record!?!!! Ive contacted the OMBUDSMAN for help as their looking into the matter as well, but now the grantors are garnishing my wages and Im sitting here in tears and stressed out trying to figure out how will I be able to provide for my children and keep our home with my checks being garnished by XXXX grantors XXXX and TG. This is wrong I hope I can sue for this hardship and stress these companies and lenders have brought to me by error and nobody seems to be able to help much and or fast enough so I have to sit here and suffer. This is so wrong!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04-07-2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: SLS Loan Servicing received our second mortgage back in XXXX. It was sold many times and was originally with XXXX. It has not been paid since XXXX due to the housing crash. Due to medical financial hardship filed chapter XXXX and received a successful loan modification on the 1st mortgage. I am current with this. I sent an offer of settlement to SLS based on hardship. They said I did not need to send any hardship letter or financials. Just to write them and make an offer. I did make them an offer and I have not heard back. I would like to know if they have accepted our offer within a timely manner. I have to know if they will work with us or I will need to file chapter XXXX. All I want to know is id they accepted our offer or are they going to counter our offer. I have learned that this company is extremely difficult to work with. I have read hundreds of complaints regarding this issue with Consumer affairs. I am asking for a solution in a reasonable time.

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 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, XXXX I called Equifax after receiving my credit report and noticed the extreme amount of inquiries that I have no Knowledge of. I asked Equifax to please remove these inquries off of my credit report because I did not give any of these companies authorization to run my credit. I was told that they would not remove them. 
The inquries are as followed. XXXX/XXXXXX/XX/XXXX, XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Mortgage (Conventional home mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX XXXX XXXX XXXX granted a mortgage to Beneficial Homeowner Service Corporation ( " Beneficial '' ) in the amount of {$23000.00}. Said mortgage was consolidated with a new loan with Beneficial in the amount of {$35000.00} on XX/XX/XXXX to form a single lien of {$58000.00}. Said consolidated mortgage was further consolidated with a mortgage dated XX/XX/XXXX in the amount of {$44000.00} to form a single lien of {$100000.00}. On XX/XX/XXXX, Beneficial caused a satisfaction to be filed in ACRIS, in CRFN XXXX, unfortunately said satisfaction contained the incorrect amount to be satisfied and incorrect mortgage recording information. A request for a corrected satisfaction of mortgage was received by Beneficial on XX/XX/XXXX and signed by a XXXX XXXX ( see attached ). Follow-up calls to Beneficial were met with " we have not received the request '' to " it 's being worked on '', all on the same call. On Monday, XX/XX/XXXX, XXXX in the lien release department informed our office that this matter is being handled by their bankruptcy department. XXXX from the bankruptcy department advised our office that they have not received the request and can not find this particular loan and that there are other loan but they do not list the amount. XXXX XXXX is in the process of selling the property and due to Beneficial 's inability to process a satisfaction of mortgage/lien release, XXXX XXXX is in jeopardy of losing the property in a foreclosure action.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (Payday loan) with Cottonwood Financial Ltd. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I keep getting calls from this number with threats of having me prosecuted and being verbally abusive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Bank account or service (Checking account) with PAYPAL HOLDINGS INC. (PA).
Issue: Deposits and withdrawals

Complaint: Paypal will not release my funds since XXXX/XXXX/15, account is closed withholding funds for 180 days until XXXX/XXXX/15, unlawful violation of " Regulation CC '', unreasonable delaying in funds withdrawal or deposits. Paypal claims my account is closed forever, I am blacklisted as a customer blacklisted forever, but Paypal refuses to release my funds {$500.00}. What Paypal is doing is illegal, an unlawful violation of " Regulation CC ''. XXXX XXXX, Paypal Acct # XXXXXXXXXXXX. My contact number XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/27/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit line increase/decrease

Complaint: Credit card companies lower the credit limit, even after having the cards for over 10 years and always making payments on time. By them lowering the limit, the credit cards get maxed out and the credit score of course gets lowered!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Duvera Billing Services, LLC (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THIS ACOUNT HAS BEEN DISPUTD BEFORE AND SHOULD NOT BEEN MY MY CREDIT FILE, THIS COMPANY IS UNKNOWN TO ME AND DOES NOT HAVE AUTHORIZATION TO HAVE MY PERSONAL IDENTIFYING INFORMATION UNDER FEDERAL LAW, AND FDCPA GUDELINES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Billing disputes

Complaint: I submitted a complaint to this agency thinking that my problem would eventually be resolved, on XXXX. The case number is XXXX. The results are pathetic. The defendant is emboldened, still has NEVER responded to my original certified letter, when the interest charges were {$18.00} approx ... Now they are adding approx {$43.00} a month to this 0 % paid in full account, to a grand total of {$510.00}!!!! How is this criminal behaviour allowed to go on? You are supposed to be " protecting " the consumer from these criminal banking thieves, aka, CHASE .... Please do your job and rectify this travesty of justice ... .. they keep on laughing and laughing while the govt pretends to be helpful! I would be shocked if someone actually called me and told me that Chase has been found GUILTY of misleading, bait and switch, deception, and down right lies, and last but not least CLEAR VIOLATION OF TRUTH AND LENDING LAWS!

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (I do not know) with Miller, Stark, Klein and Associates (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: This illegal communication occurred toda y (    XXXX   XXXX    2017 ) . Other than the date, this complaint is identical to : Complaint number :  XXXX  submitted to CFPB :  XX/XX/2017    -- -- -- -- -- -- -- - Received a call on my mobile phone from a local number I did not recognize (  XXXX  ) and let it go to voicemail. The voicemail revealed it to be a " robocall '' and the transcript of that message is as follows : " This message is intended for  XXXX   XXXX   XXXX . [ sic ] I 'm calling regarding some pending complaints here that 's been filed in our offi ce. Press 1 now  to speak with a live agent or to contact our office at a more convenient time please dial  XXXX . Thank you in advance for your cooperation. '' According to information found online this number i s Miller Stark Klein & Associates  ( http : //millerstarkklein.com/ ), a debt collection firm. I have not had any business dealings with this firm. Further, I have no debt which could be legally collected. Their statement about " pending complaints '' seems to indicate a pending legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Following up on a previously filed complaint against Discover Card : Thank you for your complaint XXXX about DISCOVER CARD. 

The company replied formally that they would return the unauthorized debits from my bank account if XXXX Bank provided the form they requested. A couple days later the investigations department at Discover called and said they would not return any money. The statement shows " reversed '' debits, but no reversal has occurred and the company has simply added to my account balance. 

This is yet another example of the company 's dishonesty, cloak and dagger policies to avoid being a fair creditor, and it has caused financial and emotional distress. 

My identity has been compromised. Almost all of the calls to Discover 's pay by phone line in XXXX lasted a minute at most, as shown on my phone records. XXXX 's investigation team said nobody can authorize an ACH debit in a minute or less. They also noted activity from different states ( Connecticut to XXXX ) occurring within 20 minutes, which would have been impossible for me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2016 about Debt collection (Credit card) with GC Services Limited Partnership (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The number XXXX continually calls me, my parents, and my work asking for me. I do not owe the amount of debt they say I do and call multiple times per day. A " XXXX XXXX '' is the caller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2018 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Pendrick Capital has been attempting to collect on an erroneous medical debt for at least a year now, despite multiple disputes to various bureaus and collection companies. Each time I dispute the debt, the account is deleted by the collection company only to be replaced by another. I reached out to Pendrick directly in XXXX 2017 and have received NO response. The collection merry-go-round continues and my credit suffers. This debt is NOT valid. I have medical insurance that should have covered the cost of this visit and have yet to see any verification of the debt to suggest otherwise

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
Issue: Account opening, closing, or management

Complaint: I have had my checking and savings accounts with Bank of America for almost 20 years. I logged into my accounts today and see that they had a maintenance fee of {$12.00} per month on a debit card account I keep for my wife. So I called Bank of America to see why they were charging me for a service I 'd gotten for free for 7 years. When I called they said they changed my account. Without my consent??? Why does B of A have the right to blindly change my account ... ... then charge me for something that has been historically free? Imagine if mortgage companies could blindly change your rate just because they wanted to increase profit margins. This is an unfair and unethical business tactic. They said they sent me something but I did not receive it. Please stop this unethical practice from happening to others. Its a violation of the trust we bestow in the big banks. Please fight for my rights!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2016 about Mortgage (Conventional fixed mortgage) with Eagle Home Mortgage, LLC (WA).
Issue: Settlement process and costs

Complaint: Re : my loan and mortgage payoff. 
It has been over 5 months (! ) since my loan was paid in full. Yet I have not had one word from UAMC re my payment. More importantly a RELEASE REQUEST from UAMC ( releasing the mortgage lien from the title ) has not been sent either to me or to the title company. This delay in sending the release request within a reasonable time of final payoff is ridiculous to say the least. My only clue as to the final payment was simply that it was recorded on the UAMC website as loan closed. Requests have been answered with " we are backed up ''. Actual personnel has otherwise been difficult if not impossible to contact re any problems. This is a company where no one seems to be able to answer any questions and/or it is simply pass the buck time. 

I should have realized this when we were n't even able to figure out where to wire the final funds. My bank had to spend half an hour to try to track down the information ... with a final answer from the VP Treasurer.

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