milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2018 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Struggling to pay mortgage

Complaint: My company was hired to facilitate a short sale transaction on behalf of the client after the previous company hired was unable to do so.  On XX/XX/XXXX, I faxed in the Bank of America (BOA) Authorization Form to four different fax numbers within BOA to ensure that it was placed on the file.  On XX/XX/XXXX, I was told that the Authorization was on file but they still needed to Authorize me through the system and to call back the following week.  Wanting to give ample time for the authorization to be placed on file, I called in on XX/XX/XXXX.  I had received word that the client had been receiving calls from BOA and they expected answers.  When I called into the short sale department, a gentleman told me that I needed to speak with Customer Service about the Authorization.  After the transfer, the lady at Customer Service was able to locate my Authorization and said that I needed to inform short sale to "read the customer service notes about [my] authorization."  I was transferred again to short sale and spoke with XXXX XXXX.  XXXX. XXXX refused to look into the notes and repeatedly told me that he was not able to speak with me as I was "not authorized."  I explained to him what happened and that customer service gave specific directions on how to bypass this issue.  He again refused.  When I asked to speak with a supervisor, he put me on hold only to come back and say that the supervisor refused to speak with me as well since I am, once again, "not authorized."  I demanded to speak with any supervisor in any department and he once again refused to allow me to do so.  When I asked to be transferred to customer service again, he instead stayed on the line with the rep from customer service.  She finally agreed to search for my authorization, even though there are notes about it, and confirmed with him that we have a short sale authorization on file for my company.  She told me that the only thing she can do is send me to short sale.  XXXX said that he is short sale and he will not speak with me and neither will a supervisor.  Even though, he had confirmation that my authorization was on file, he still refused to speak with me or let a supervisor know that my authorization is on file so that they could speak with me.I let him know that we have an offer on the property, the property is in foreclosure, we have an elderly client, and that I am trying to help BOA recover some of their losses by working on the short sale with them.  He refused to listen or care and simply told me that he cannot speak with 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 02/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: An account from and old apartment complex was sent to Fair Collections & Outsourcing , Inc, the company failed to notify me that an account was placed in their office for collections, no letters were sent and no phone calls were made, i had no knowledge of this debt until i pulled ac copy of my credit report and noticed they made an inquiry to view my credit history, i immediately called the company regarding this to get understanding of what this debt was, the representatives were rude, they would hang up on me, they would keep me on extensive holds and their excuse was they had to take multiple calls at once which is completely ridiculous where i could n't even get my questions answered because the reps were rushing me and completely out of character, i disputed the validity of the debt because the charges were absurd and were made up, i immediately contacted the original creditor via telephone XXXX and spoke to a XXXX XXXX who had the correct charges disputed and advised me that she will advised the creditor they need to take a payment plan from me once they received the correct balance updated and someone would reach out to me to set up the payment plan, i confirmed with XXXX that this account owls not be sent into collections as long as i made payments and she assured me that it wouldnt, a few months went by and nobody contacted me by phone to tell me they received an updated list of charges and would be setting up a payment plan for me that would fit my budget, instead i get an email from the credit bureaus stating the account was reported on my credit report, i contacted the company and immediately asked they remove this from my report since i was not given adequate time to even pay this balance nor was i notified they updated the correct billing charges, i spoke to a representative named XXXX who was extremely rude and refused to assist me and told me he was n't removing this from my report, this company has violated many laws of FAIR DEBT COLLECTION ACT, from not notifying me of my debt, to listing items on my credit report without my knowledge of even owing the debt, from being disrespected and mis treated by representatives and having up on me and failing to collect the correct amount due of the balance owed after being instructed specifically by the creditor.

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 03/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: All Credit bureaus state, including this one, that it is their policy that when shopping for a mortgage or car loan and there are multiple credit inquiry 's in a short time period, these inquiry 's will be reported as XXXX inquiry. It is understood that a record of all inquiries must be maintained. But they must have their software make the adjustment in the " NUMBER COUNT '' of inquiry 's on the file. I recently bought a house and a car. instead of having XXXX recent inquiry 's, I have XXXX. I am losing 10 % of my credit score with all outside creditors because of this, and it is costing me a lot of money because of increased interest fees..

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 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A few months ago after reviewing copy my credit report I discovered account that appears to be charged off from TJX /Synchrony Bank XXXX I reached out to creditor to advised them I have know knowledge of opening TJX store card. I requested creditor validation validity of account by providing me with copy photo identification they obtained when account was open to verify identity of person that open account. Synchrony Bank has yet to mail any of the requested information. 

Today XX/XX/2018 @ XXXX AM I made one last attempted to resolve issue with Synchrony Bank and I decided to give them a phone at XXXX. I spoke with a representative that advised me that Synchrony Bank had sold account back on XX/XX/2018 to XXXX XXXX. 

Synchrony Bank has failed to provide me with at evidence to validation the validity of account prior to selling fraudulent account to third party collection agency.

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 non-monetary relief
Consumer complaint received 01/28/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (CA).
Issue: Fraud or scam

Complaint: My husband and I were in the process of buying our first home. Someone posed as our escrow officer of XXXX XXXX XXXX and emailed me wiring instructions which I took to XXXX XXXX XXXX XXXX. {$20.00}, XXXX was wired to a fraudulent account at Wells Fargo Bank. On XX/XX/2017 I found out that my money never made it to the actual XXXX XXXX XXXX. On XX/XX/2017 I was told that my money was still at Wells Fargo in the account I wired to, however, Wells Fargo had frozen the account and will not release the founds at this point with out the owner of the account 's approval which the whole process was a fraud. It is a fraudulent account. XXXX XXXX XXXX XXXX has done two recalls of funds, however, wells Fargo refuses to return the money knowing that everything was a fraud.

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 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX account showed up on my credit report recently I have n't had XXXX since XX/XX/XXXX. I paid off all of my debt with XXXX before I canceled. I do n't know why it was reported because I do n't owe them anything I contacted the debt collector and they told me to email a dispute to them and then forward it to XXXX before I did that I contacted XXXX and they told me they do n't have access to my account anymore. And that I owe money in which the case I do n't. XXXX told me they sold my account to a debt collector in XX/XX/XXXX and it has recently shown up on my credit report In XX/XX/XXXX and neither companies are providing me with information in regards to this Debt that I owe which I wasnt aware of until recently. The debt collectors are giving me the runaround and they are not being honest with me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06-10-2016 about Credit card () with PNC Bank N.A. (IN).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I have given permission to my son, XXXX XXXX to handle all of my financial affairs which is noted and accepted by Wells Fargo. Obviously I have been taken advantage of at least once already. I am an elderly woman who comes from a generation where we were taught to trust our banks. Obviously I made a huge mistake trusting Wells Fargo and XXXX XXXX. As I have previously stated, the most important part of deciding on an HECM loan is understanding the complexity of said loan. Most seniors and adults of any age have a very difficult time understanding Reverse Mortgages. Most HECM loans require intense counseling to understand XXXX pages of critical information pertaining to the pros and cons of a Reverse Mortgage. That 's where the lender should step in to not only help the senior find an approved counseling agency per the Office of Elder Affairs. The XXXX of Massachusetts still cautions seniors on getting a Reverse Mortgage and recommends that each senior bring their own lawyer to the closing. Apparently Wells Fargo seized this opportunity to con my my mother into signing for a Reverse Mortgage. The salesman also must inform the senior of other more suitable options than an HECM. XXXX spent a largely inflated XXXX at closing along with XXXX which was supposed to go into escrow so she would not find herself in a position where funds have dried up and she falls behind on paying her property taxes, home insurance and upkeep of the property. The sales man realized that XXXX had access to at least {$44000.00} and no longer saw her as a senior attempting to do what was best for her after retirement. Instead, the salesman XXXX XXXX used the opportunity to do what was best for himself. He wanted to close the loan at the end of the 2010 fiscal year on XXXX XXXX, 2010. He used his skills of deception, bullying, lying and coercion to ensure the mortgage could be over and done with quickly, so he would receive his commission and XXXX would not have the time to seek legal advice. Wells Fargo has already submitted the HECM document to the CFPB that clearly indicates that the counseling was not done in person and not approved by the Office of Elder Affairs. As a matter of fact, the XXXX XXXX XXXX company located in Florida was/is not even licensed to counsel anybody in Massachusetts. One major flaw that was not on the original HECM counseling form submitted to the CFPD is the alleged removal of the {$650.00} she was charged for illegal counseling. The reason for this " OVERSIGHT '' is because I alerted Wells Fargo to the fact that HECM counseling costs roughly {$120.00} and in some cases ; it 's free. Wells Fargo still uses deception and fraudulent tactics to this very day.

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 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was in need of a new AC unit and contacted XXXX XXXX XXXX XXXX XXXX, NC in order to repair or replace my AC unit. When I filled out the form for financing, I was told the financing would be going through Wells Fargo. I received an information packet and credit card via Wells Fargo. However, I decided that the amounts XXXX XXXX XXXX provided were far too expensive. I called another company and had them come out to fix my unit for a fraction of the cost XXXX XXXX XXXX quoted. And, was I also informed that the information regarding both the outdoor and indoor units were very different from what XXXX XXXX XXXX told me. XXXX XXXX XXXX claimed my outdoor unit was 11 years old and needed to be replaced along with my indoor unit. However, the company I went with said that the outdoor unit was only 7-8 years old and in perfect working order. Only the indoor unit needed to be replaced. So, that what I did as of last week with the other company and paid them the full amount of that up front. 

Today I received a letter in the mail from XXXX XXXX saying they had a credit application from XXXX XXXX XXXX in my former name, XXXX XXXX, ( not my current name of, XXXX XXXX XXXX of which I only gave them ). XXXX XXXX XXXX took out a credit application with another finance company without my knowledge or permission in a name I no longer have.

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 07/24/2015 about Mortgage (Home equity loan or line of credit) with QUICKEN LOANS, INC. (MN).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX years ago, XXXX XXXX XXXX sent me an invitation to take out a no-income, interest only {$100000.00} home equity line of credit. I had just moved into a new home and I had several projects that needed to be completed so I accepted the offer. I used part of the money on the house projects and the other portion of the {$100000.00} I kept as emergency money. 
As it happened, the economy collapsed due to the mismanagement of the XXXX sector and I lost my job. I was thrown into this terrible job market and I could not find work. I used the rest of the home equity line of credit to pay my bills and to not default on my mortgage. I have gone through XXXX lay-offs in the last XXXX years and I have completely exhausted my home equity line of credit and I have been on a forbearance program. 
I am re-employed again with a strong company and I am trying to get back to good financial health. XXXX XXXX XXXX has been great. They gave me time to find a new job before they foreclosed on my house and they have given me a loan modification for which I am truly grateful! However, XXXX/now Quicken Loans asked me to send in a enormous amount of information, but they have done almost nothing to help me cope with the large increase in payments. Previously, I paid XXXX/Quicken Loans approximately {$240.00} a month in interest. After XXXX years, the loan no longer stays as interest only, but converts to a regular loan so my monthly payments went from {$240.00} to {$640.00} and now that my forbearance period is over, they want me to pay {$970.00} a month. The adjustment happened just when I experienced my XXXX lay-off when XXXX XXXX XXXX Mortgage moved all of our XXXX down to their XXXX, NC site. So at this time I have gone through {$30000.00} of my savings and I have exhausted my home equity line of credit. 
I do want to pay back the loan, but I am not making what I once did so I can only afford approximately {$400.00} to {$450.00} a month payment over the life of the loan and I need to be on a fixed interest rate or I could be in trouble if interest rates skyrocket again. 
I believe my $ XXXX {$640.00} payment is totally unaffordable. I thought there was some consumer protection where your loan could not rise so dramatically from {$240.00} to {$970.00}. 
DESIRED RESOLUTION : I do so need your help in working with XXXX/Quicken Loans to find an affordable way to pay back this loan and keep my payments in the {$400.00} to {$450.00} range. Thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OK).
Issue: Loan modification,collection,foreclosure

Complaint: I contacted Wells Fargo Mortgage requesting help for a modification/refinance XXXX XXXX, XXXX. I was declined twice. My home preservation specialist advised me not to make 3 months ( XXXX, XXXX & XXXX ) of mortgage payments and he guaranteed me by skipping those three months would not harm my credit in any way since I was protected under the modification program. Everything was done verbally, never on paper. I was approved XXXX XXXX, XXXX. He verbally told me the terms : 3.25 %. The missed three months would be tacked to the end of the note and they had added a couple years to the term. The monthly payments were more than my original payment. I was assured that figure was incorrect but would be corrected and reflected on the final documents that I should be receiving in the mail shortly. He advised me to make the inflated " trial '' payments and not file an appeal. It took me several weeks talking with him to agree to the " trial '' terms. I expressed numerous times to resubmit with the correct amount or to at least send me documentation indicating the corrected amount. He stated that they do not send out " personal correspondence ''. On blind faith, I made XXXX, XXXX and XXXX payments but still had not received any documents. I called numerous time and they told me to keep making the trial payments until the documents arrived. They arrived XXXX XXXX, XXXX with the inflated payments and added terms. My loan balance was approx {$85000.00}. The terms were : 3.25 %. The same inflated monthly payment for 279 months- XXXX years equalling approx {$93000.00} AND THEN A BALLOON payment of {$51000.00}. I have talked to many employees at Wells Fargo since I received their paperwork and was told that new paperwork would be in the mail shortly with the corrected terms. I have called and emailed my new home preservation specialist trying to make a mortgage payment. She will not answer, she will not call me back or respond to any of my emails. My credit has crashed to XXXX and I am now 5 months behind on my payments. This makes it impossible to find a new loan from another bank. I filed a complaint in Wells Fargo and she has delayed the process and no longer contacts me. I have attempted to let them know that I do not agree to the terms. I am in default because they wo n't take payments / I was advised not to make 3 months.

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 01-05-2016 about Mortgage (FHA mortgage) with Seterus, Inc. (IA).
Issue: Loan servicing, payments, escrow account

Complaint: My payments was made early last month. Seterus is adding a {$90.00} fee without any explanation. No response when I call them

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Checking or savings account (Checking account) with PNC Bank N.A. (GA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: XXXX XXXX ( XXXX XXXX ) {$250.00} XXXX XXXX XXXX x 2 ( XXXX ga ) {$200.00} & $ XXXX XXXX x 2 {$76.00} & XXXX Withdrawal @ atm XXXX XXXX XXXX XXXX ga XXXX ( XXXX XXXX  ) {$230.00} All took place on XX/XX/18 Stroller rental {$5.00}

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for an XXXX XXXX card through Synchrony Bank. I received a denial letter on XXXX/XXXX/XXXX stating XXXX XXXX reported a credit score of XXXX On XXXX/XXXX/XXXX, XXXX XXXX provided me with a credit score of XXXX. Synchrony denies me credit everytime I apply for any type of credit card they offer. Where did Synchrony get a XXXX credit score if XXXX XXXX is reporting a XXXX credit score. Something is VERY WRONG.

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 12-12-2016 about Debt collection (Credit card) with P&L Acquisitions LLC (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Initial contact with this company was a letter threatening to sue me for a debt that is beyond the statue of limitations. This was confirmed by the inclusion of " the law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. '' that a previous collection company sent me in a discount offer. 
They also added {$260.00} to the alleged debt without any debt validation. 
I called the number on the letter and was chastised and threatened with legal action by a quite irate unidentified man unless I paid the alleged amount in full that minute.

Company response to consumer: Untimely response