milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2015 about Bank account or service ((CD) Certificate of deposit) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: My brother, a XXXX veteran, died intestate on XXXX XXXX, 2015. I am XXXX of XXXX siblings, his only heirs. He lived in a XXXX XXXX XXXX in Texas. We hired a Texas attorney to file a Small Estate Affidavit. After a judge signed that, we sent a copy to his VA fiduciary. She ca n't access a CD she opened for my brother because Wells Fargo says the CD was not styled correctly. I have visited my Wells Fargo, who called their legal department, to no avail ; and our Texas attorney called the fiduciary 's bank and they wo n't help. The VA fiduciary has tried at her bank and they will not let her cash the CD to distribute the money. What can we do to get Wells Fargo to get the CD cashed and divide it XXXX ways to the heirs? Our attorney thinks the person at the bank who opened the CD for the VA fiduciary made a mistake. Should n't the bank correct its mistake? How can they withhold the money?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In accordance with section XXXX XXXX XXXX XXXX Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph XXXX by not later than 15 days after receiving a request from the consumer for that description. That is a DIRECT quote from the FCRA. I am complaining because for close to 3 months I have been asking for Validation from XXXX the furnisher and more importantly to me in this case the publisher of information ( the CRAs ) that concerns me and my credit health. I am asking for deletion of this information because they have not provided me with the furnisher of the information. It is NOT whom they are saying it is in there official response to me. ( The agency they are pointing me too as saying the verified it is saying that They do NOT REPORT to any credit reporting agency or anyone else for that matter. ) so why ca n't I know who is giving them the information??? I have been informed by Equifax agents ( on multiple occassions ) explaining that " as long as they say it 's verified it 's verified '' ... '' I am not allowed to know anything else '' ... What does XXXX mean??? And since they have never provided me any proof, why have they failed to delete it? Is Equifax XXXX above the Fair Credit Reporting Act? Section 611 ( 5 ) states Treatment of Inaccurate or Unverifiable Information XXXX XXXX XXXX In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( I have a recording of this entire event that happend on Tues XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Credit card debt) with McCarthy, Burgess & Wolff, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Got a call from XXXX XXXX XXXX XXXX in an attempt to settle a debt. The lady I spoke to was very polite. I explain my situation being unemployed for XXXX and a half years and due to my age I probably want have another income until social security XXXX. After explaining this was my attempt to settle a debt. I told them I could pay {$450.00} and representative told me she had to consult her XXXX. I told her that I did want to have her repeat the words no we can not accept your offer. I heard her ask him something and she asked me how much I could come up with. I told her I had approximate {$500.00} to my name and we were willing to give to them to resolve the issue. This is when she insisted we speak to her XXXX. I decline to speak to multiple representative all attempting to leverage me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit card () with DISCOVER BANK (WI).
Issue: Advertising and marketing

Complaint: I saw a promotion that Discover Card had announced where they were offering 10 % cashback on all purchases made in-store with XXXX Pay up to {$10000.00} and there were no exclusions noted. I chose to open a Discover credit card at the time due to this great deal being advertised. I confirmed with others that the 10 % cashback did not exclude gift cards. Fast forward three months, I 've started to receive emails from Discover stating that gift card purchases are excluded from the promotion. It turns out, that two days after the promotion went live, Discover decided to change the terms of the promotion to exclude gift cards. Discover did not inform card holders of this change in their terms. It 's absolutely unacceptable for a company to bait and switch consumers like this without any notice. I have contacted Discover via chat, who told me to email the email that contacted me about gift cards being excluded and I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Consumer Loan (Vehicle loan) with U.S. BANCORP (SC).
Issue: Problems when you are unable to pay

Complaint: We are currently 24 days past the due date of XXXX/XXXX/2016 on our auto loan. In the life of the loan, we have been late but have never been more than 30 days late. This morning I have received phone calls at XXXX XXXX., XXXX XXXX. and XXXX XXXX - all of which have been while I 'm at work. This does n't include any calls that were possibly made to my husband 's phone as well. When I mentioned on the third call the amount of calls and this being harassment, I was informed they could call up to 5 times a day between XXXX XXXX. and XXXX XXXX We understand we are late on the payment and are incurring late fees, but we take full responsibility for that and will get it paid before it hits 30 days past the due date. We just want the amount of calls to be lessened.

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 07-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Eos cca contacted me by phone saying that I had a {$270.00} debt from XXXX from 2012 and asked for my credit card number to pay off the debt. I have never had an XXXX account in my name, and had certainly never received any type of notification of debt. The only information I could find on this company was on XXXX and I read several stories similar to mine. I called XXXX and they had no record of me having an account or ever having a debt. I called Eos and told them this and they said that a customer service representative wouldnt know since they sold the account to the agency. I then called XXXX back and they said that even after they sell an account to a debt collector, they keep a record of who they sold it to and such, the account does n't just completely disappear. Eos said they would send me a fraud kit to fill out but it just does n't seem legitimate. They also said they already reported me to the credit bureau which seemed more like they wanted me to go ahead and give them my credit card number over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (TX).
Issue: Settlement process and costs

Complaint: Hello, My name is XXXX XXXX and I am current customer of Pacific Union Mortgage. I refinanced my mortgage with them in XXXX of XXXX. I have made my payments with them on time since then and In XXXX of XXXX and I being told, that my mortgage payment will increase over {$800.00} dollars due to an escrow issue. After researching this and calling Pacific Union in XXXX XXXX of XXXX, the CSR rep at Pacific Union discovered this was a mistake by Pacific and the title company for completing excluding the school taxes and that they would reach out to the Title company to get payment from them. The guy said he could clearly see this was overlooked by both Pacific and Title and not to worry. It will be handled accordingly. He said this would be resolved in 30 days. I call back 30 days later and the CSR rep tells me this is my problem now and I should have caught this upfront!! How do you tell a customer his payment is going to increase over XXXX dollars??! Now either the title company or the Pacific Union needs to be held accountable for this mistake. They created this issue and now they need to resolve it! I ca n't afford an {$800.00} dollar payment increase! HELP!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Auto) with Skopos Financial, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I WAS THE VICTIM OF IDENTITY THEFT FRAUD AND I HAVE DISPUTED THIS DEBT TO THE CREDIT BUREAUS AND THE COLLECTION AGENCY TO NO AVAIL ...

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Spoke w/ XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX He asked me for my social and I asked him to verify the last 4 digits of ss # on file, he said have a good day and hang the phone up on me, I called back and spoke w/ XXXX XXXX , she was asking me to provide her with my social and I refused as if they had my social they should be able to provide me the last 4. Please mandate they send a written contract and proof of social security number for this debt as it is not mines. I have never done business with XXXX or the original collector of XXXX XXXX XXXX and demand this reporting be removed from my credit profile on Transunion, XXXX and XXXX.
I do not owe this debt and this account does not belongs to me XXXX 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 12-08-2017 about Student loan (Private student loan) with Student Loan Finance Corporation (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Where do I begin with my complaint? I started attending XXXX XXXX XXXX in XXXX XXXX, I began attending the school when I was XXXX XXXX XXXX. I was able to do this prior to turning XXXX XXXX XXXX per the advice of XXXX XXXX who was helping me with the loan process on XXXX/XXXX/XXXX. I planned to return to complete loan documents after my birthday but the finance rep XXXX insisted I complete the loan process that day. I was advised that I could change my date of birth to XXXX to make myself older and apply for the loans on my own since my parents were unwilling to assume a loan under their names/credit. I was under the age of XXXX when I signed for all school documents. I was taken advantage of and manipulated. I have been dealing with these insurmountable loans since then. I did not find work in the field I attended school for ; due to the fact that I could not survive and pay these loans back with the minimum wage jobs available to me in the culinary field. I recently went to the school to pick up loan document ( I had to hurry because the campus is now closed ) copies but was only provided with enrollment paperwork ( which does n't include loan application details ). I have tried to take responsibility for this debt but have come to the conclusion that I need to speak out. I have given this information to different reps which answer phones at the loan companies. I have contacted lawyers but could not afford to hire onXXXX. I know the school has been sued in the past for their shady business practices. They have lost lawsuits paid out thousands upon thousands in damages to the victims. I am unfortunately one of the ones that is still suffering with the burden of debt. The answers I have received from account reps are well you lied so too bad you still owe this money. I was not of age of consent and was taken advantage of by people that were desperate to sell a loan. The amount of stress and worry which has effected not only my credit but life ; I do not wish on anyone. It is so unfair and wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MI).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Checking my XXXX credit reports, it has been noted a credit collection company by the name, Enhanced Recovery Company, Enhanced Recovery Corporation, and ERC, is reporting a debt bought from ( XXXX XXXX, in the amount of {$170.00}. XXXX, XXXX. ) On XXXX, XXXX, Claims they received said account for collection. 
I never received any communication or letters from this agency. 
I have resided at the same address for over 6 years.This account is now Open with XXXX of the credit reporting agency, dated XXXX, XXXX, and XXXX agency as Closed, as of to date. 
XXXX date update : XXXX/XXXX/XXXX ( open ) collection/charge off XXXX date update : XXXX/XXXX/XXXX ( open ) collection/charge off XXXX date update : XXXX ( open ) collection, XXXX date update : XXXX ( closed ) XXXX date update : XXXX ( open ) collections under ERC XXXX date update : XXXX/XXXX/XXXX ( open ) renewal/installment. 

XXXX reporting agencies now showing different remarks Collections/charge off Closed Renewal/installments Under the Fair Credit Reporting Act, this is illegal. 
( Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer unfair and unjustifiable practices information contained in the files of consumer reporting agencies ). 
There are multiple inaccuracies in my credit files. Verification of debt must be clear and sent forward or said collection deleted from my files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2015 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (IN).
Issue: Application, originator, mortgage broker

Complaint: I am in concern to a mortgage we were approved for but has yet to close. We applied for a Mortgage back in XXXX 2015. We were approved sent in all our financial information, had our appraisal, foundation inspection, final approval and had to have a rent survey of our area. We prepaid for all of our inspections as they requested. Our seller did all his part and our closing dates have been changed as they requested the same information over and over again. Now they have let the appraisal expired and are asking it be redone again and start over. How are they allowed to do it? They have delayed several times and sent SAME docs OVER AND OVER AGAIN WITH THE SAME INFORMATION JUST CHANGED THE DATES.to be signed with same information several times. We have had dates to closed promised, and always delayed with XXXX excuse or another. ALSO THEY TOLD US IN A EMAIL NOTHING WOULD EXPIRED IT WOULD JUST BE UPDATED IN NEW DOCUMENTS .. THIS IS XXXX ALREADY AND STILL NO CLOSING. Why are they allowed to do this to a home buyer who is committed and has done everything they have asked. Buying a home is a huge investment in your future. It has taken a toll on our health with the stress, and on the lenders side no consideration for the home buyer who has done all they have asked for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar has been making mistakes in managing my escrow for almost two years. It appears that Nationstar has manipulated my escrow account- by reducing payments one year and increasing another year- in order to justify the increase in escrow payments and creating an escrow shortage. Such escrow increases are illegal in California because my expenses have not changed. For years my payments have been as follows : real estate taxes {$10000.00}, hazard insurance {$760.00}, and flood insurance {$1900.00}. I provided the latest policies to the VP of customer services. 

XX/XX/XXXX, Nationstar paid only {$370.00} for my hazard insurance, below the required amount. 

XX/XX/XXXX, Nationstar paid {$920.00}, above the required amount. Immediately after this exaggerated payment, Nationstar followed up with an increase in escrow. 

Nationstar 's mishandling of my escrow account has caused me significant hardship. Nationstar knew that I was struggling after the rate increase XX/XX/XXXX, when I submitted a request for loan modification, which was rejected. Nationstar knew I was struggling, and yet they manipulated my escrow account in order to force upon me another increase, in total XXXX % increase in one year, in an attempt to force me into foreclosure. This appears to be a pattern for Nationstar : for customers in trouble, after a rate hike follow up with another increase in escrow. I found many such instances on XXXX. 

Regarding my escrow account, I want to take over and manage my own expenses : it will be simpler and more efficient for Nationstar. Prior to Nationstar, I have been making payments to XXXX XXXX for 6 years, always on time, never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NY).
Issue: Managing the loan or lease

Complaint: This company is not being honest with me and is not posting my payments and them they charge me late fees. On XXXX XXXX, 2017 I made a payment of {$250.00} and XXXX XXXX XXXX, I was planning to make a payment of {$250.00} again. I went to see my acc and they are charging me dishonest late payments and they are not posting my payments on time. I have evidence that XXXX does send my payments on time I when I get pay. My payments are devided in half due to the fact that I get pay twice a month. Now they are charging me late fees when my payments are due every XXXX of the month.

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 08/16/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Deposits and withdrawals

Complaint: I walked into a Citibank branch at XXXX XXXX XXXX, XXXX, NY XXXX ( I have a Checking Account with Citibank ) and ordered about {$300.00} worth of a foreign currency. For some reason, my Checking Account got debited twice for the order ( i.e. I was charged twice as much as I was supposed to be charged ), even though my receipt only indicated that I placed the order once. I went back an hour later and was told the problem would be corrected by the end of the day. It was n't. I called Citibank, and was told that it would take 45-90 days to resolve the problem through corporate. This is completely unacceptable - I lost access to my money and I have bills to pay on which I 'll be charged interest if they are late.

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 01/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (MS).
Issue: Loan modification,collection,foreclosure

Complaint: Originally filed for loan modification with XXXX XXXX XXXX in XX/XX/XXXX latter part, they sold mortgage to Select Portfolio servicing but not until they had set a sale date.I filed a complaint with you and once Select picked it up they stopped sale and allowed me to start new modification I immediately sent in all docs, not once but several times I was sent confirmation they received all and that no more was needed.i waited, sent emails to relationship manager unanswered, but received letters stating they received my request for status.Never was there a request for any more info. Then yesterday I received a sale date of XX/XX/XXXX.I immediately phoned and was given the run aaround and a list of docs still needed and was told they tried conacting me by phone to a number I NEVER gave them or ever had ( they have phoned me on line given in modification papers. Was told that I can resubmit but that it WOULD not stop the sale date if not in review and completed. Is this not Duel Tracking?????? I am sick at this point. I have complied with everything from the get go.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I applied for a card with XXXX on a " pre-screened & approved letter ''. I was then told that I was denied due to reports from Experian, and XXXX, XXXX. I tried to contact both of them, both refuse to even respond to me, nor was XXXX. These firms know they have wrong credit information, and Experian did send me one letter stating I had to supply information that XXXX XXXX XXXX gave them, doing so just to update their credit records, and report they did nothing wrong. Their actions have done me a great deal of harm, and stopped me from getting medical equipment needed for my mother in 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 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: I have sent  XXXX  written request to Equifax requesting the removal of the listed unverified items. They have failed to send me copies of the documents that they used to verify the disputed accounts. They have failed to delete the disputed accounts that they did not verify. Under  Section 611 ( 5 ) ( A  ) of the FCRA they are required to promptly delete all information which can not be verified. I am requesting deletion of all disputed accounts which they did not verify.

Company response to consumer: Closed with explanation