milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/30/2016 about Debt collection (Auto) with CarFinance Capital LLC (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: They call XXXX times a day even though I talk to someone EVERYTIME they call. I ask them not to call me repeatedly as I have already answered their questions EVERYDAY. My answers will not change at this 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 09/25/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (CO).
Issue: Application, originator, mortgage broker

Complaint: Requested Payoff from HSBS XXXX. They refused because of signature. Several attempts later we are still waiting on a payoff. Title Company faxed the request again yesterday with signatures. I faxed a signed request directly to HSBC at XXXX today as a dual request. The mortgage company does n't have either request on hand. While ALL of this is going on, HSBC is charging me MORE and MORE money every day. The law states 7 days for a payoff - it 's been a MONTH. I as the consumer can NOT refinance without HSBC providing a payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Student loan (Federal student loan servicing) with JPMORGAN CHASE & CO. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: This account is with JPM Chase and they have the wrong information on my credit report and do n't recall this account at all! They have placed negative account on my credit report and it 's reporting " LATE '' but CLOSED! It 's stopping me from buying a house! In addition ; NONE of the dates on this account could be correct as my loans were not with JPM Chase. 
Here is the account information : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my mortgage in full on XXXX and Seterus has not yet issued a discharge letter.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Debt collection (Payday loan) with National Credit Adjusters, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This activity is still controlled by XXXX XXXX XXXX that made the illegal usury unlicensed high interest rate to me, I have paid them {$2700.00} on a one year account of {$2500.00} of 1000 %, XXXX XXXX gave this account to their affiliate National Credit Adjusters XXXX XXXX XXXX XXXX Who in return gave the illegal activity to another affiliate XXXX XXXX XXXX # XXXX these companies do not have the legal right to collect usury interest rate accounts and these companies do not have a license to collect usury interest rates that are designed to prey and take advantage of old people, they are not licensed by the Ca .Department XXXX or the CFPBThanksXXXXXXXX XXXX Ca. 








XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problems caused by my funds being low

Complaint: My bank of america account debit card was charge for the amount of XXXX dollars and latter for the amount of XXXX dollars, I call bank of America to dispute this transactions and spoke with XXXX from Bank Of America Claims departments he mention to me that the XXXX dollars were a fee over the transaction of XXXX dollars and no matter what kind of dispute i do those fees will be no be reverse until the review of any dispute i filed. 

So the issue is because of both transactions my account was overdraw and was charge a fee of XXXX dollars, Bank of America has refund the XXXX dollars fee for the overdraw and posted a credit of XXXX dollars but leave the XXXX dollars with XXXX cents on my account what makes my account remains overdraw, and the bank is not willing to remove it from the account. 

i have called several times and i am willing to provide the evidence that neither the first charge or the fee where authorized charges but the banker claim there is nothing he cant do

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 03/29/2017 about Bank account or service (Other bank product/service) with Comerica (PA).
Issue: Using a debit or ATM card

Complaint: I have had some fraudulent issues on my direct express card. I have filed disputes and they claim no error am has occurred. For orders returned and not refunded they still claim no error has occurred. They have claimed I did n't send paper work. But a dispute rep has read off what I put on the the dispute forms. They are refusing helping me get my money back. It is n't a few dollars. This is over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Credit card () with U.S. BANCORP (GA).
Issue: Cash advance

Complaint: I made XXXX cash advances and paid them off but the bank is not applying my payments to the cash advances, and still showing I have a balance. I previously filed a complaint and thought it was cleared up but it is not. [ Case number : 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 02/18/2018 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (OR).
Issue: Charged fees or interest you didn't expect

Complaint: I received a {$1000.00} loan from big picture loans on XX/XX/XXXX. I read the terms and conditions and the interest rate was 500 %. No where did it state that this was owned by a XXXX. They said I would have to pay {$230.00} PER MONTH. I agreed because I wanted to pay it off the next month. I received and email saying they were going to debit my account again on XX/XX/XXXX after they already had on XX/XX/XXXX. The terms I received specifically states once per month. Not every two weeks. When I call its either no answer or its a round about with them. I cant get ahold of them to pay it off. I am being scammed and this is a huge fraud company. I now have to close my account because all they are doing is continuing to charge me interest and will not let me pay it off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (FHA mortgage) with SOUTHWEST FUNDING, LP (TN).
Issue: Credit decision / Underwriting

Complaint: Good Morning. 
My name is XXXX XXXX. I am writing this letter on behalf of my wife, XXXX XXXX and me. 
PROBLEM : We are filing a complaint against Southwest Funding due to unethical lending practices. Southwest Funding in XXXX, TN provided us with a Pre-Approval Letter for the Buyer of our home and assured us the Buyer could close in less than 30 days. It took over three months to close due to Borrower having credit issues that were not disclosed to us. In addition, we had to sign XXXX extensions for this Borrower and lost the contract on the home my wife and I were purchasing. I am attaching a formal letter of complaint because I have been living in a hotel for over six weeks due to the Swiss Cheese Letter of Approval provided by Southwest Funding. Manger of Southwest Funding is XXXX XXXX 

My cell is XXXX and my email address is XXXXXXXXXXXX ( Please do not post my cell phone or em address on a public forum.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (NJ).
Issue: Closing on a mortgage

Complaint: In the beginning of   XXXX   XXXX  , I began working with   XXXX   XXXX    from Bayview Loan Servicing , LLC. I am a  XXXX , and for about 2 months I had been working with  XXXX  because   XXXX   XXXX  , a seller who has an account/mortgage with Bayview wanted to do a short sale and sell his house to his tenant. For 2 months,  XXXX  lead me on assuring me that if I submitted everything he requested and had a complete file, he would stop the house from going into an auction sale, and the short sale between my clients, the seller and buyer, would be completed. I communicated with  XXXX  almost daily over the phone, which was always recorded by Bayview, and through email.   XXXX   XXXX   XXXX   was the deadline for us to have a complete file in order to stop the auction sale. On   XXXX   XXXX   XXXX  ,  XXXX  sent me an email stating that the sale had been postponed and the house would not go on auction sale on   XXXX   XXXX   XXXX  . After   XXXX   XXXX   XXXX  , I continued to schedule appointments to speak with   XXXX   as I always did, but he would not call me, until yesterday,   XXXX   XXXX   XXXX  , he had his supervisor call me to tell me in an aggressive tone of voice that the house was sold on   XXXX   XXXX   XXXX   and that there was nothing else to be discussed between me and them. So ultimately, I 'm filing this complaint because  XXXX  and Bayview had me working for 2 months and were not truthful throughout the whole process. They took advantage of my clients and performed misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: The last few years I have had my loans auto debit for interest only payments. The reason for this is because they for some reason could not offer a repayment option that could be affordable for me. So they said they could only offer after my deferment and forbearance options were used up was interest only payments for  XXXX  dollars per month. This was just so I could avoid the account going into default which I felt I was being threatend with. Well the thing about the interest only payments on auto debit is when they choose to end the the interest only payment on auto debit they change it to a full payment without informing me that it was changing or asking permission to do so. As far I 'm concerned it is a form of fraud. Just because they have my account number does not allow them to do as they please with it. This happened to me most recently today  XXXX / XXXX /2017. I had a car insurance payment I was expecting to have the money for now there is nothing in my account to cover it because they took   XXXX   dollars out instead of my expected   XXXX    dollars. My car insurance needs   XXXX   dollars or I will be cancelled on me. I thought by now in my lifetime I would have been done with my student loans considering it has been nearly 17 years since graduating. Navient is not very helpful especially when concerning my money they only care about their income. My name is   XXXX   XXXX   XXXX   and I am sick of feeling like I ca n't move forward with my life. It 's a never ending assault.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Account opening, closing, or management

Complaint: On XX/XX/XXXX our XXXX of XXXX.. passed away. On XX/XX/XXXX XXXX of the church went to the Wells Fargo Bank ( XXXX, MD XXXX ). They spoke with Personal Banker NMLSR ID : XXXX. XXXX. The XXXX presented the certified copy with raised seal of our Articles of Inc., tax ID letter, church check books, bank statements, and their driver and non-driver ID ( matching the signatures on the church articles of incorporation. Personal Banker NMLSR ID : XXXX was informed that on XX/XX/XXXX two men were not members of XXXX. had been allowed to put their name on our church bank accounts at the XXXX MD XXXX. Counter checks were created for their use. A check was written on XX/XX/XXXX to one of these men in the amount of {$900.00}. It is our understanding that they met with Personal Banker NMLSR : XXXX located at XXXX MD. XXXX. Banker NMLSR ID : XXXX contacted the Wells Fargo Bank legal department. The legal department stated that they would correct this matter after the articles of incorporation where taken to the Maryland State Department to be updated. The articles of incorporation were updated and returned to Banker NMLSR ID : XXXX approximately XXXX on XX/XX/XXXX. XXXX XXXX NMLSR ID : XXXX sent a copy of the certified articles of Inc.. to the legal department. The control and proper names were applied to the account. After the banks error we requested to have a new bank account. Sadly Wells Fargo allowed the processing of a second counter check signed by one of the men who was not a member of our church in the amount of {$600.00} written on XX/XX/XXXX. On XX/XX/XXXX we spoke with the Service Manager ( XXXX MD XXXX ) due to are bank cards not working properly. When we discovered that the reason for the trouble was that the Personal Banker NMLSR : XXXX located at XX/XX/XXXX MD. XXXX had removed our names from the account and replaced them again with these same men and added a woman who was also not a member of our church. 
The actions of Wells Fargo Bank allowing these people without proper documentation to be assigned to our account as signers. This has caused tremendous stress and hardship upon the church as a whole. We are greatly disappointed that these actions were allowed to happen. To this date we have not received any report of any investigation or any resolution to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: The perpetrator is credit reporting agency, Equifax. I 've been to their site three times and their credit help link regarding the their security breach does not work. I have never gotten information I requested from their automatic website link that I was given. I am extremely concerned about my personal information as I am one of those affected by the recent massive breach.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Mortgage (VA mortgage) with FLAGSTAR BANK, FSB (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I are a very strong couple. We have endured and have overcome all types of obstacles in our married life, but we have run across a scenario that we are struggling to manage on our own. Flagstar Bank is trying to sell our house through foreclosure, but is n't taking the time to try to help us save our home. The set of circumstances that led us to where we are today were beyond our control and no one at Flagstar has been willing to take the time to sort out the mess. 
We fell on hard times financially a couple of years ago and have been trying to recover since. I lost my job in 2012, which is what caused us to fall behind on our mortgage. After being unemployed for a while, I decided to start my own business in sustainable development and clean coal technology. As I 'm sure you 're aware, it takes time to build a successful business. Meanwhile, my wife started working part-time as a social worker and I eventually found employment working on commission ; and now my business is starting to take off. We 've picked ourselves up financially after a very stressful time in our lives. I was a XXXX XXXX in the XXXX XXXX. XXXX, and as such that 's what we do. However, Flagstar Bank is not cooperating with us and has not provided any options for us to save our home. 
I have tried to engage Flagstar to get a loan modification so we can keep our home, but have been given the runaround. They have not offered a review and have not taken any of our claims into consideration. Each time I tried to engage Flagstar, they would refer me to the VA. The VA in turn would send me back to Flagstar. Each of them passed the buck, and now Flagstar is setting sale dates and trying to kick me and my family out on the streets. 
If the government knew the shady dealings that surrounded this loan, they would be coming after Flagstar. I need assistance getting Flagstar 's cooperation. We simply want a review of our mortgage for all available retention options so that we can keep our home. We do not need a handout or be given something we do n't deserve, but we want the opportunity to be treated fairly. Our financial future looks bright and we will not have any financial issues moving forward if we can get this resolved reasonably. Thank you in advance for any help you could provide. We would like to see if you would be willing to contact them to see if they will deal with us professionally so we can keep our home. I would be grateful for any assistance you would provide to me, my wife, and our XXXX young children.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: my equifax credit report dropped 57 points overnight. The report stated that I had been late 9 times with an XXXX account. I contacted XXXX, they stated that I have been on time with the payment ( taken out of my checking account each month ) since 2012 and I am actually ahead on the account. XXXX did not send any negative information regarding the account. 

On the equifax account marks in a calendar format that I have been late on a loan, but on another equifax document shows that I have not been late on any loan. 

XXXX XXXX showed in their credit report that everything was fine and my credit actually went up 3 points. 

It should be an easy fix. I have not been late paying any of my accounts. 

Thank you for assisting me on this frustrating issue. 
*I do not have any documentation because I have never received any late notices on any of my accounts*

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Payday loan () with Crow Creek Sioux Tribe (NC).
Issue: Charged fees or interest I didn't expect

Complaint: The amount that it says I borrowed, XXXX, was not the amount deposited to me. And I was not aware of the finance charge of {$5000.00}. Was not present when borrowing the money. Appeared after.

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 03-10-2017 about Student loan (Federal student loan servicing) with TRANSWORLD SYSTEMS INC (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have been disputing the amount owed to XXXX for two years. Every time I ask for proof of payments I 've made to XXXX from both XXXX and the various debt collection agencies I get NO response.This letter states that XXXX had paid a default claim to the original lender. This in my opinion is a fraudulent payment made on my behalf ultimately costing the american tax payer. Now Transworld Systems XXXX XXXX PA, XXXX has sent me a letter stating my debt is in default and is threatening to sue me for the amount owed. This IS the FIRST time I 've heard from this collection agency. By their own admission they received this debt on XX/XX/2017. They have no records that this has been in dispute and they immediately defaulted my loan and has sent this info to the credit reporting agencies. This is unacceptable collection practices. Every time I tell a collection agency that this is in dispute they " sell '' it to another collection agency and I am back at square 1 in trying to gain the information to compare with my own records. I firmly believe that when I lost my job two years ago I only owed approx XXXX for both loans total. These collection agency 's and by inference XXXX are stating that i owe XXXX ( rounded ) PLUS interest and collection fees bring my total to XXXX. Which by the way is a different amount that I was told by the last collection agency. I want an investigation into my history concerning the various agencies attempting to collect this debt. it is my contention that this debt has passed thru at least 6 different agencies all as soon as they here its in dispute they pass the buck to the next agency causing me and my credit report serious harm and harassment. I will be contacting a lawyer concerning this at this point because two years of trying to request info which by law I have every right to receive only to be given the run around and threatened is beyond the pale.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I submitted a form through XXXX XXXX and wound up wit hard credit inquiries by XXXX. I wrote XXXX a letter via US Post and asked them to provide any form of evidence that I authorized multiple credit pulls by their company. They refuse to provide me with any sort of documentation showing that I authorized a credit pull. I am asking for your organization to compel the XXXX major credit reporting agencies to delete any credit pulls by 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 07/25/2016 about Debt collection (I do not know) with USCB Corporation (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I was in good standing, had some financial problems after a few deaths in the family, called asked for a deferred payment since I only owed less than {$200.00} ( XXXX more payments ) and I was n't even 1/2 through the class was told ok but they took it out of my acct any way putting my account in the negative, when I called again and asked why it happened I was cursed out, called all types of names and that I do n't want to pay. So I cancelled from credit union that they can no longer withdraw funds from my account, then that followed with more threatening phone calls until I had my number changed. Have received settlement letters with reduced price, but I wasnt even taking the class anymore and had only XXXX more payments, if they would have deferred just XXXX payment like they had agreed, instead of costing me more money in overdraft fees, I could have paid the next XXXX payments and finished the class. I paid way more than the materials and lessons I received. I even tried to tell them I would pay if I was aloud to finish the class, but that was before I was called names and receiving the threatening calls.

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