milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XX/XX/2018, the Commonwealth of Virginia on behalf of XXXX XXXX XXXX XXXX, XXXX XXXX   brought forth a case against XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX. The case was concluded with XXXX XXXX XXXX, owner of property being forcefully removed from the court in handcuff ( s ), placed in a holding cell and then transported to XXXX XXXX XXXX XXXX for the second time surrounding this property. XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX has not authorized a property address change and did not grant her property to any party other than herself. This matter is required to be reported to the United States Department of Justice and per EEOC discovery, I, XXXX XXXX XXXX am required to turn over these documents as well as any expenses occurred to the U.S. Department of Veteran Affairs attorney. Additionally, I just received a check in the mail for the Wells Fargo Property Inspection Settlement and the amount is deficient. The check is for {$63.00}, however, the advance amount is {$2500.00}. I will be turning these matters over to the EEOC attorney for the USDVA as well as requesting the balance due on the property inspection fees diverted as well as any other fees such as your attorney ( s ) fees, foreclosure fees in which I did not indicate my mortgage payments could be directed to a foreclosure sale, and there is no evidence of a foreclosure because it did not occur because it was halted by a case filed against your attorney ( s ) XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX, Legal owner of XXXX XXXX XXXX XXXX, VA XXXX. This remains a racial discrimination claim as XXXX XXXX XXXX, legal owner remains to be an XXXX XXXX and the XXXX, XXXX XXXX are XXXX. 

I, XXXX XXXX XXXX, consumer and legal owner of XXXX XXXX XXXX have been harassed with threatening letters/correspondence of imprisonment by XXXX XXXX XXXX XXXX, VA if I fail to make payments to the court as well.

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 10-05-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Hired to do a loan modification for our client. Submitted package via facsimile to Wellsfargo. When I called Wellsfargo to do a financial interview over the phone which is their normal procedure I was advised that my client can not be considered for any loss mitigation assistance as he has already had two previous credit decisions in which he was denied for a modification because affordability was not reached. Client was denied is XXXX and then again in XXXX. However, my client 's financial situation has changed and he should be reviewed for workout options to help him save his home. Per lender they can not review the borrower for any assistance based on Wellsfargo guidelines and investor guidelines due to the delinquency of his account. We would like for them to review our client and give them a decision rather than say that they will not even consider him for anything.

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 01/27/2016 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (AL).
Issue: Loan modification,collection,foreclosure

Complaint: I have applied for a Home Affordable Modification Program ( HAMP ) to my mortgage. I have faxed all the required documents exactly as requested by Flagstar bank and was contacted by XXXX XXXX XXXX with a request for Thirty days consecutive pay stubs ( Emails are attached as proof ) to complete my application package. Ive sent those documents to her however I received mail from Flagstar requesting some of the documents that were sent in with the original package. 

I have applied for a HAMP in the past ( XX/XX/XXXX & XX/XX/XXXX ) and was met with the same issue. I was asked to provide documents I had already submitted to which I complied only to be asked for different documents that were also part of the original package submitted. This went on until my 30 day grace period was up. 

It is my belief that Flagstar is intentionally delaying the HAMP application process past the 30 permissible days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have worked with the credit reporting agency for almost the entire year, I requested proof of validation on a bankruptcy per the fair credit reporting act, which gives me as a consumer the right to have anything on my report validated or it must be removed from my credit report because the information is incorrect and not 100 % accurate. I wrote the U.S. Bankruptcy court in South Carolina, and I got a letter back from the clerk of court stating that no reporting agency received any information that was requested, which means the item was not verified. I have documentation, certified from every encounter with the credit agency, I will gladly mail them to you upon request because they are to numberous to e-mail, however, I will include a copy of the letter I received from the clerk of the bankruptcy court in South Carolina.

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 04/17/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Other fee

Complaint: I got credit card on XXXX XXXX XXXX and been told by their rep that I can use this card anywhere in a world for purchases without any fee. How surprised I was when I so on my statement Foreign Transaction fee for purchase I made from my home in NJ in US dollars. When I called to credit card services and tried to resolve this situation and remove this fee, cause I was mislead by XXXX rep, I was told I have to speak with them. Which I did. I even asked to speak with supervisor. But it did n't solve the issue. Credit card point on XXXX and I feel like this hidden fee is reap off.

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 03-10-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a HIPAA Validation request letter to Syndicated Office Systemst for a medical debt reporting on my credit report, to which I never received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NY).
Issue: Settlement process and costs

Complaint: My mortgage was started originally with XXXX Bank and then XXXX Bank changed banking of mortgage and turned my paper work over to SLS ( Acct # XXXX ) I decided that i did not want to be with whom XXXX threw me to and chose to continue my mortgage for my home with XXXX XXXX ( Loan # : XXXX ). SLS gave me information that i had to pay monies in order to retrieve original documents from an attorney office called XXXX XXXX XXXX XXXX. I did all they requested and paid monies but SLS and the attorney has not forwarded the requested information over to XXXX XXXX and this is hindering me obtaining a closing date. This would be my second time going through this process and getting no where with SLS. Everything that XXXX XXXX of XXXX XXXX has asked and requested, i have given and except for this part of the transaction. I can go no further with XXXX XXXX unless SLS releases documents Underwriter is requesting from them. I feel as though they are trying to force me into staying with them and i do not want to. XXXX XXXX XXXX from XXXX XXXX XXXX XXXX is very rude and never returns any calls. She told me it was out of her hands but it is SLS who they acquire paper work from and forward over to appropriate parties but it seems she has not a care. I am requesting help immediately to resolve this problem, as it has been going on for 2 years now. Any assistance would be gratefully appreciated.

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 11/28/2017 about Checking or savings account (Checking account) with KEYCORP (VA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I sent two endorsed checks for deposit into my Key Bank account. The checks were sent by USPS with signature required. The checks were for {$41000.00} and {$910.00}. Per the USPS, the envelope containing the checks was signed for in the XXXX Post Office by XXXX XXXX on XXXX XXXX 2017. Since that time I have been in contact with numerous Key Bank " customer service '' representatives. Each time I have to start over and recount my activities to date. Each time I am promised a representative will get back with me. After the first 3-4 calls, I have had no one call back to follow-up or provide status. The last contact I had was with the bank was XXXX when I was informed the package had been located/received in the XXXX office XXXX XXXX. I was further informed by the USPS Postal Inspector who was handling my inquiry, that they received word from the bank that the envelope with my checks was located in central processing/XXXX. This was the last information I have had and as stated previously, Key Bank has been less than responsive/helpful. Your assistance in helping me to get the checks located for certain and credited to my account is requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: On XX/XX/XXXX2017 I called Navient my student loans provider to talk with them about my approximate monthly payment and the options for lowering my monthly payment once my grace period ends in XXXX. My family and I just moved from XXXX XXXX county in XXXX upon our completion of school to XXXX XXXX because we could no longer afford our bills, rent, etc. We had accumulated in {$8500.00} in credit card debt just to survive. We 've moved in with my family and are essentially homeless. We can not afford my {$590.00} payment for my private loans on top of the payments for my husband and my federal loans. I was told there are not really any long term solutions to help me, despite the fact we ca n't even afford a home to live in with our XXXX XXXX. The lady I spoke to was not accommodating to our situation and made it clear that I could not be helped with anything until XXXX XXXX, 2017. Simply, I can not afford my private student loans to Navient, and still be able to put food on the table for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX is showing inquiries on my credit report that i did not authorize and i have contacted XXXX about correct and removing these items.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I requested all3 copies of my credit reports. When I received then there was multiple errors on all3. I called and corrected most of the information. Such as addresses.. Mispellings of XXXX.. Ss numbers that wet not mine. Etc. I also found an account that was not mine and got that deleted. The problem I 'm having. Is I have inquiries on my repirt that are still not mine. I contacted XXXX. Transunion and XXXX. Along with the actual companies and no-one is helping me. I know my rights as a consumer and sent proof of identity theft. I put several alerts on my credit reports and still this inquiries are there. These are the ones from XX/XX/XXXX to XX/XX/XXXX. I gave no permission for these to be on my report. According to the FCRA rules these must be andresponded back to me. Since the letter I sent wad only4 days apart. I know an investigation was not done. I plan on purchasing a home later this year and with all these on my report it shows that my credit worthiness is not good and a sign of financial trouble. that is not fair to me because these are not my enquiries. I am submitting this report due to lack of Investigation on my hard inquiries that were not done by me. I did not sign for anything. These are unfair practices by a credit reporting agency with no concern. For the credit worthiness of the consumer

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 10/23/2015 about Credit card () with SYNCHRONY FINANCIAL (UT).
Issue: Billing disputes

Complaint: In XXXX I contacted Synchrony Bank in regards a Disputed Transaction that I made with the recent payment on the account ( ending XXXX XXXX XXXX It involved a transaction dated XXXX/XXXX/2015 numbered XXXX, ostensibly to a " XXXX XXXX TX '' in the amount of {$260.00}. Later this was upheld and the dispute apparently was resolved in XXXX 2015. 

Then there was a mix-up and I was credited with another payment, but that was resoved by action of the bank. But it was followed by another charge and there is absolutely no documentation to support this previously charged item noted and is probably another un-supported charge made by these people identified as XXXX XXXX TX. It just goes to show you that the information contained in the XXXX XXXX, 2015 letter that they felt might slip by your bank. 

I have asked the bank on three subsequent occasions to please reverse this charge that is clearly an error. There has been no response forthcoming from the Bank 's Customer Relations Department other than on the reversed charge, which was on the billing. Instead, they have charged me interest on this XXXX twice and now have charged another fee of {$25.00} for late payment which I have protested and sent back their Sam 's MasterCard for their failure to communicate to me just what is their rationale for charging another fee for the XXXX when they originally had upheld my disputed billing. 

All I got was a letter dated XXXX/XXXX/2015 stating that " ... your credit of {$260.00} was applied to you account on XXXX/XXXX/2015. You can find this credit on a previous billing statement. '' This took care of the double credit but there was no explanation for the other billing XXXX! 

And this has now resulted in the fourth letter regarding this matter because their recent billing included more late charges and another service charge. So, I have had no other option than to cancel this card because of your failure to service the charges made on it particularly to Sam 's Club ; and, I have now considered filing a complaint with the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-01-2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My credit report was used inappropriately to determine financial eligibility for a Patient Assistance Program through XXXX, aka " XXXX ''. I was denied use of their program based on what I was informed by them was a " Projection ''. I was also informed by them that my annual income was XXXX. This was a shock to me as my annual income is only XXXX. If it really was XXXX I would n't need assistance. My income of Social Security XXXX and a small pension has not changed significantly in the past few years. After several phone calls, I discovered that Experian was used for this " soft credit check ''. When I spoke to someone at Experian, I was told that they do not provide my income during a credit check. Apparently, this is not accurate, because I found an article online ( XXXX XXXX, " Is Your Doctor Checking Your Credit Report? ". The article states that Experian does provide " Income Estimation Tools ''. I have used the XXXX program for several years to provide me with XXXX medication that I can not afford. In previous years, XXXX has asked for proof of income, which I have provided to them. This year they changed their application form and made it very confusing for me. I have learned from past experience that my application form must be perfect or I will be denied for medication. I worked very hard on making sure my part and the physician 's documentation were all correct. I called XXXX and was assured that everything looked good. The next day, I received the denial letter which stated I did not qualify for their program based on my income. I have worked hard all my life to maintain good credit. I recently found that my credit score was 850. Never in my wildest dreams did I imagine that this would work against me. I strongly object to the use and marketing of this " Projection '' tool for the purpose of denying me access to low income programs for which I qualify. Now I will have to do without my XXXX medication that I can not afford. I do n't know what that means for my future but that prospect is very frightening to me.

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 01-12-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Since XX/XX/XXXX I have been trying to get the credit reporting agencies to remove this account : XXXX. This collection agency faxed the credit reporting agencies to remove their account from my credit file because they were not supposed to report this small debt. We made an agreement to settle the account in XXXX payments for the exchange of not reporting. The manager made a mistake and reported and after it was brought up to their attention, they faxed the info over to the XXXX major credit reporting agencies to remove. XXXX and XXXX have removed but not Equifax. After disputing with Equifax directly they keep telling me is verified, is mine and they will not remove. The collection agancy says they ca n't do anything about it because they have already tols Equifax to remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Vehicle loan or lease (Loan) with MERCANTILE ADJUSTMENT BUREAU, LLC (IN).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Cosigned a loan car was reposted primary person on loan is in XXXX  I am currently in a XXXX home in XXXX XXXX insurance have no money night have told them over and over to quit calling me they call and threatening me they threading to take my social security which would leave me homeless They are very rude yelling and screaming at me that they will get their money one way or another I have explained my situation to them numerous times they continue to threatening me

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Harpeth Financial Services, LLC (TN).
Issue: Problem with cash advance

Complaint: Military service member. Have a flex loan from advance financial, have had for more than a year. Paying a 279.5 % interest rate. Looking for relief under the MLA guideline for military lending which states a maximum of 36 %.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: My name is XXXX XXXX and I was referred to the XXXX XXXX XXXX back in XXXX. The welcome offer was spend {$1000.00} in the first three months and receive XXXX Skymiles. Additional terms included make a qualifying XXXX purchase in the first three months and receive a {$50.00} statement credit. Lastly, the intro fee would be {$0.00} for the first year and {$95.00} each year after. I was approved for the card on XXXX XXXX XXXX. I met the spend requirements sometime in XXXX. I have called and chatted since then numerous times about not receiving the bonus after 6-8 weeks. I even opened a previous case here at CFPB ( XXXX ) about the same issue and was written by XXXX  corporate with an apology that recognized the issue and said they estimated a resolution on or before XXXX XXXX XXXX. I have waited and waited and waited for these bonus miles. In the mean time of waiting I have missed out on booking a vacation with Skymiles to Hawaii with my husband. I have missed out on booking a Skymiles ticket to go back home for my grandmother 's XXXX. I have been given excuse after excuse and promise after promise. At this point XXXX has breeched a contract and has violated its own terms. I can not and will not recommend XXXX to anyone anymore. It is absolutely atrocious the headache I have had to endure to get what should have been an automatic thing. I have waited now approx 4 months since meeting the spend requirement with no miles, no real explanation without forcing the issue, and no offers of other compensation. Instead each time I get the same tired excuse of, " We have escalated this to our marketing team and they are attempting to resolve this. ''

Company response to consumer: Closed with explanation