milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/20/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: This is in Reference to Case number : XXXX, reported XX/XX/XXXX regardingnot been able to re-financ my mortgage @ XXXX XXXX XXXX XXXX , XXXX, FL XXXX with WellsFargo/American Servicing Company. 
I have researched this issue of claiming that my mortgage is not with XXXX XXXX. 
Please see attached Documents from the " Title Company '' that shows that my mortgage instruments signed on XX/XX/XXXX was with XXXX. 
XXXX Documents attached : ( 1 ) The letter that WellsFargo/American Servicing Company Official sent to me that claimed categorically that the loan is not XXXX ( 2 ) My researched documents from " Title company '' that shows that the mortgage is with XXXX. 
All I want them to do is refinance my mortgage/Remodificagtion to lower my rate sitting at 6.626 % for the past 10 years. 
I should be able to take advantage of HARP program to lower my rate and payment. 
I have contacted other banks, I was told that my mortgage company is the only one that can do this for me, to make it cheaper. 
Note : Could you please help me with this issue. You can see it from the Title company document that it is XXXX. I am not sure why they are telling me it is not XXXX while the document says it is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (WA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This is for a personal loan. Have constantly contacted XXXX of my references after being told to stop. Have harassed my wife at work. 
Constantly calling my house. All this because i am XXXX payments behind because i am on permanent XXXX now. i have not missed a payment in XXXX months and pay extra.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My TransUnion credit bureau was pulled by  XXXX  on   XXXX    . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.

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 04/28/2015 about Credit card () with TD BANK US HOLDING COMPANY (NH).
Issue: Balance transfer

Complaint: I transferred part of TD Bank balance to XXXX credit card, the transaction date was on XXXX/XXXX/15 however my TD card did n't reflecting the transferred amount on my balance until the time i wrote this message, i contacted them several times, they keep telling me that the trans action may take several weeks to be processed, i think there is no justification on what they are trying to do other than charging me as much as they can on amounts i awe them and it is a good example of unfair treatment from big organization toward a little consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I submitted in several times a credit report disputed to Transunion and I do n't received a final answer of each accounts that are incorrect. The students loan were reported twice. 
XXXX XX/XX/XXXX XXXX Missed Payments Closed XXXX XX/XX/XXXX XXXX Missed Payments Closed XXXX XX/XX/XXXX XXXX Missed Payments Closed The other account is from XXXX that appear 5 missed payments. This account was pay in full and in the credit information is incorrect.

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 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: on XXXX/XXXX/XXXX i submitted my dispute with the CFPB XXXX stating that the credit bureau Equifax is not following proper investigation procedure under the FCRA XXXX XXXX a ). This CFPB dispute is still pending Equifax resolution which I hope to make more clear with this new dispute showing how they are in violation. I have asked them more then one time to remove the inaccurate false public record ( Case or ID # XXXX ) on my credit report and they have failed to do so and failed to comply with FCRA rules and regulations. 

under FCRA 611 ( a ) Equifax is suppose to send the dispute to the data furnisher regarding this public record to be validated, NOT to a 3rd party vendor in which case they sent it to XXXX to verify if the public record is accurate. In my letter to them i asked for the method of verification under the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) because i had a strong feeling that were not up to the task to do a proper investigation on this public record which has appeared on my credit report. My lexis nexis report has been frozen for over a year due to a past identity theft and yet somehow they go to them to verify??? this is clearly negligence on their part for me or anyone to think they even truly verified this public record. 

attached in this dispute is the letter sent to me from equifax showing this clear violation. Equifax confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Bank account or service (Cashing a check without an account) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Account opening, closing, or management

Complaint: Hello, I am an XXXX citizen and I lived in the U.S. between XX/XX/XXXX-XX/XX/XXXX on XXXX. I opened a checking account with Bank of America when I was a XXXX at XXXX. 
When I returned to XXXX on XXXX/XXXX/XXXX, I did n't close my BofA account. On XXXX/XXXX/XXXX, BofA closed my bank account and sent a check for the balance ( XXXXUSD ) to me. 
The problem is that XXXX banks do not cash this check, because there is no financial relationship between XXXX and the US. No other country, including XXXX, XXXX, etc. opens a bank account for an XXXX citizen too. So literally I can not get my money back! 
I asked BofA help-desk if I can endorse the check and sent it to a relative who lives in the US, so he can deposit the check into his own account ; They said No! 
I asked them to cancel this check and issue a new one under the name of a friend of mine who lives in XXXX, so he can cash the check. BofA refused again. 
I want to know if I can ever get my money back. Can you help with that? 
Regards, XXXX 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 12/14/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Attempting to enroll in an online fee negotiating service that requires access to my online banking information on a " view-only '' basis, and Capital One will not grant access.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Trouble during payment process

Complaint: In an attempt to pay down the principal balance on our mortgage, we have been paying extra money on our mortgage payments. Wells Fargo, however, is not applying the payments to our mortgage or even to the account at all. They are holding the money as " unapplied funds ''. They claim they can do this as we are allegedly a month behind ( we are n't ) and the deed of trust says they can do this. We have been unable to find where this alleged language is in our deed of trust. We have told them to apply the funds to the principal balance or to refund the money to us. They have continued to hold the money as " unapplied funds '' while charging us late fees. We have read the Deed of Trust which they refer to in their X/XX/17 and can not identify any language saying they can hold this money. Wells Fargo continues to send us monthly statements showing they are holding this money that we have sent for application to our mortgage payment. There is no reason for this money to not be applied to the account, especially if, as they allege, we are behind in payments.

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 10-12-2017 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: To whom it may concern : On Friday, XXXX/XXXX/XXXX I received a text message from an acquaintance of mine, jokingly asking if I would be sharing with him a recently issued {$350.00} new-account bonus. I was both surprised and angered that he somehow managed to get this information. Upon asking him how he learned that I recently received such a bonus, he replied that an employee of HSBC Bank in XXXX XXXX disclosed this information to him. 

I immediately called the branch and spoke with XXXX XXXX XXXX banker who allegedly disclosed my account information to a third party without my consent, verbal or written ). I have an individual checking account with HSBC and never had anyone else on the account. Nor was I ever asked or granted permission to share my account information with anyone other than myself. 

XXXX XXXX immediately admitted to making a mistake in sharing my account information with a third party, and apologized for doing so. I was so angry that I hung up on him. I collected myself and called him again. This time he was away from his desk, but another employee promised to have him call me back, which he did promptly. 

During our second conversation, I apologized to XXXX for hanging up on him, however I made it very clear that I was extremely upset that he - or any other HSBC employee - would ever disclose private banking information to anyone unauthorized to have such information. 

Again, XXXX apologized and admitted to his mistake. His apology seemed sincere, and my prior interactions with XXXX XXXX all via telephone ) were always very pleasant. XXXX was the only employee at the XXXX XXXX branch of HSBC who always seemed genuine. He was easy to communicate with, he was prompt in his replies, he was courteous and respectful. He was the last person whom I would ever imagine doing something like this. 

I truly believe that XXXX is genuinely sorry for disclosing my information. I know he regrets doing it. In the end, him sharing this particular bit of my personal account information with my acquaintance did no physical or financial harm to me. Yet, I feel betrayed and violated, and I hope that this does not happen to another customer, with potentially much more serious consequences. 

My hope is that HSBC takes this incident as a learning opportunity for itself and its employees. I hope that some educational material is distributed to its employees for review and acknowledgement. I hope that XXXX does not get severely disciplined for his actions and is given a chance to continue to work for HSBC. I wish him the best, but I also want to ensure that other customers ' privacy is protected moving forward. 

PS - I am not sure if branch phone calls are recorded or not, but I will gladly provide the exact times of when these phone calls took place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2016 about Mortgage (Conventional fixed mortgage) with CARDINAL FINANCIAL COMPANY (TN).
Issue: Credit decision / Underwriting

Complaint: We applied for our loan back in XXXX 2016 with a loan officer and she left and no one called us to let us know she had left we called to to see what was wrong they said we got this to being XXXX the XXXX 2016 for signing and set appointments to no one called to let us know that they had not sent paperwork for closeting XXXX XXXX XXXX still no information I wish Cardnial financial had to deal with all they have put my family through and they are still not taken the Balme for anything Cardnial IF ANY ONE ASKED ME FOR INFORMATION ON YOUR COMPANY IM GOING TO TELL THEM NO NO LOOK SOMEWHERE ELSE

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I did n't receive a proper response from XXXX or Experian as to how the result of Charges from XXXX XXXX XXXX XXXX, can be charged with 3 large amounts and they can verify your identity properly with the merchants bank and just call it a valid charge, and XXXX is telling me only to dispute the charges with the merchant and it 's not fraud, and basically the police report did nothing to supposedly " write off the charges ''. Words ca n't describe how frustrated that I am with them. I should have the charges removed and the account removed since I have charges on there, from almost 4 years ago, and none of them should have been stated as made by me, because I never saw any of the transaction go through at all regardless of what ones were signed for. It is against New York state law, called forgery in the second degree, when somebody unrelated to you forges your signature.

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 02-10-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX XXXX, XXXX Navient XXXX, PA XXXX Re. Account # XXXX Dear Sir/Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
In XXXX XXXX, I contacted XXXX XXXX and requested an In School Deferment. XXXX XXXX granted the Deferment commencing in XXXX XXXX and concluding in XXXX XXXX. 

In XXXX XXXX, Navient took over my private loan account from XXXX XXXX. No information was ever relayed to me regarding this split by XXXX XXXX. As a result of this split, my information concerning my In School Deferment was never relayed to Navient. My account was not updated and Navient was not able to process the In School Deferment. 

Sometime in XXXX XXXX, upon learning of this split, I contacted a representative from Navient, requesting information about my personal loan. The representative stated that she had no information regarding my loan and my name was not in their system. 

In XXXX XXXX, my co-borrower, contacted and alerted me that he was being harassed by Navient collection agency through telephone calls and threatening letters. On XXXX XXXX, XXXX, I contacted Navient who informed me that they did not send out any threatening letters. The representative explained that they had taken over the account from XXXX XXXX and 120 days had elapsed since any payments were made to the account. 

It should be noted that at no time was I ever alerted by Navient or XXXX XXXX that my account was 120 days delinquent. Moreover, my In School Deferment ended in XXXX XXXX, yet Navient continued to provide inaccurate information to the XXXX credit bureaus. 

Upon learning of this alleged delinquency, I set up a monthly payment plan in order to bring my account current. As of today, I have made the required monthly payments and my account is in good standing. 

I am very distressed that you have included the attached information in my credit profile due to its damaging effects on my good credit standing. Because of the mistakes, my co-borrower and I have been wrongfully denied credit which was highly embarrassing and has negatively impacted our lifestyles. Please reinvestigate this matter and delete this information from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NC).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citigold checking account in XXXX 2015 due to a promotion I saw advertised to earn XXXX bonus Thank You points. According to the terms of the promotion, I needed to open a new Citigold checking account and make two bill payments in two separate months. I called the Citigold service number to confirm that the promotion was valid and that I was eligible to sign up. I was verbally assured that I was. I made two bill payments in XX/XX/XXXX and two XX/XX/XXXX. I then called to confirm that the promotion was successfully attached to my account and that I had met the terms. The agent said that the promotion was successfully attached, but that I should also be sure to make bill payments in XX/XX/XXXX, since the XX/XX/XXXX payments happened at the end of the month and might count for XXXX. I did make payments in XX/XX/XXXX and then call to confirm that I had met the terms of the promotion. I was told that I had and that the points should be posting shortly. I called again in XX/XX/XXXX. At that time, I was told that I had met the requirements XX/XX/XXXX, but that it could take up to 90 days to receive the points. I called again toward the end of XX/XX/XXXX and was assured that the points would be posting shortly as we were at the end of the XXXX window. When the points did not post, I called in XXXX and spoke to the same agent I spoke to in XX/XX/XXXX. He assured me that the points should be posting and that he would open an investigation as to why they had not posted. I later received an email stating that this was a targeted promotion, and that I had not been targeted. I called, but the agent I was forwarded to said there was nothing I could do. Oddly, this agent then asked if I had any immediate family members who had been targeted. I did not know at the time, but I recently learned that my mother receives this offer almost every time she logs into her Citibank account. Nevertheless, I feel that I was not given the points I was promised as part of this promotion.

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 01/30/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a Charge account from a previous employer currently being reported as " Charged off as bad debt Profit and loss write-off. 
As of XX/XX/XXXX the balance on the account is {$420.00}. I do not have any record of owing this amount because I did not have an outstanding balance. My credit report also indicates that I have paid 100 % of the original balance and the highest balance is at {$0.00}. 
The card was opened on XX/XX/XXXX and had a {$0.00} limit on it, meaning I would have to add money to it before it can be utilized for purchases ( like a pre-paid or debit card ). Once used, the remaining positive balance on the card was sent to me in the form of a check ( I have attached a copy of the last 2 checks i received. ) The only purposes the card served was to receive the employee discount and I never received a credit line from the bank. 
I have being trying for a few years now to get it removed and I have been unsuccessful. The bank will not remove the item from my credit report, I called the number listed on the report and they do not have any history of the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (WV).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I tried to cash my WV XXXX tax refund ( {$97.00} ) at XXXX on XXXX/XXXX/16 at XXXX. I received a notice that my check was declined by Certegy. When I called the number on the receipt, I received a recording that it was nothing I did wrong and that I should take my check to a non Certegy retailer. Then the call just ended. I was not given an option to speak to anybody. It did this at least 6 times. Finally, I googled Certegy to get a number. I spoke with XXXX ( Rep ID # XXXX ). I asked why it was declined and she refused to tell me. She said that she could not give me that information because I was not the owner of the account. She also said the WV Tax Dept. needed to call them to verify the check before they could clear me out of their system. I called the WV Tax Dept. After being on hold for almost TWO HOURS, I was told that there is nothing wrong with the check and that Certegy has declined almost all refund checks from the State of WV this year. The Tax Dept. says they will not call because they have had SO many reports of this happening that they just do not have time or enough staff to call on each and every check. I have never written a check so I know that I have no bad checks outstanding. I do not have a bank account, can not afford to open XXXX and should not have to do so. Certegy is refusing to okay my transaction without telling me why. It just seems like a huge run around - the merchant says it is Certegy 's fault, Certegy says it is the Tax Dept 's fault and the Tax Dept says it is Certegy. I just want my money as I do n't make much and really need it. This is unfair for Certegy to decline transactions without giving me a reason or making it appear that I have done something wrong. If it is nothing I 've done, and it is a government check that is valid, they have no reason to decline the transaction. In addition, getting any information on why it was declined or how to fix it has been a nightmare. Certegy should not be allowed to commit fraud in the name of " fraud protection ''. While on the phone, they offered to sign me up for a free " VIP '' service that will monitor my credit report. I have never had a credit card and have no reason to have a service like that. I believe Certegy is declining my check in order to enroll me in a service that I will end up paying for in some fashion. Please make them stop this!!! I have no idea who else to call or how else to fix this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation