milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2017 about Debt collection (Payday loan debt) with Big Picture Loans, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I took out a payday loan several years ago through XXXX XXXX XXXX. During that time, things were fine, until I needed to change to a different bank account because I changed where my direct deposit was going. They told me that there was n't a problem, then they tried to take it out of the wrong bank! When that happened, everything went nuts and I had bounced checks going crazy on that account. This put me in a financial bind and I was not able to pay them, and I had to close out that account. That had to be at least 2-3 years ago. I received a phone call today at WORK ( I have told XXXX XXXX that they may NEVER call me there ) from XXXX at XXXX telling me that they were in the process of having me charged with defrauding the state of Florida and writing bad checks. Once this happened, I would be arrested at my place of employment! I told them that they could not call me there, but I would have my wife call them back. When she called them, they would n't give her any information. She wanted their correct name, mailing address, and fax number, but they refused to give it to her or even verify their correct business name. ( They answered the phone as XXXX, XXXX, and XXXX. ) On XXXX XXXX, 2017 I received a call from an unknown number. They left a voicemail threatening that they had my " name and social security number '' and were going to " proceed out to your job and residence to serve you to appear in court for pending litigation. '' And that I needed to make myself available within " the next few hours '' and to have a valid ID to complete the service. I have a copy of the voicemail available if needed. 

There is absolutely no court case against me. In the state of Florida, once the debt is sold, they are unable to sue. So, these threats that I am receiving on my wife 's phone and at work are illogical and illegal from what I understand. 

I filed the complaint against XXXX XXXX, but they stated that the debt was sold to a third party. So, obviously this third party is harassing and threatening us.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX I fell behind on my mortgage. I hired an attorney to help me work with my servicer, Ditech, to ask them for assistance in saving my home. I have been in contact with my attorney the entire time and his office told me they were working on the case and it was going fine. Then in XX/XX/XXXX I received a letter from my attorney stating he could no longer assist me because he had been disbarred for mishandling my types of cases. I then contacted my servicer Ditech and they stated I was denied due to missing paperwork. I came to the conclusion that my paperwork had not been handled correctly by my attorney and basically my attorney had allowed my home to go into foreclosure with a sale date of XX/XX/XXXX. I feel I have been defrauded by my attorney who has now been disbarred for mishandling my exact type of case ( Loan Modification and foreclosure assistance ). Besides hiring a fraudulent attorney I have done nothing wrong. I am a victim and I only wish to have a chance to have my loan actually fully reviewed for assistance before being foreclosed. I have attached to this complaint a copy of my attorney 's disbarrment. Although I understand I am filing a complaint against Ditech and they are also an innocent party in this transaction, I dot feel they should just move forward with my foreclosure on XX/XX/XXXX without allowing me to go through one review before doing so. I have hired a new very experienced attorney who helped me submit a full and complete application with financials today ( XXXX/XXXX/XXXX ) to Ditech. Ditech has told me that if they did not receive my application more than 35 days prior to a sale date, they may not be able to postpone my sale date to do the review. My sale date is currently XX/XX/XXXX. However, since I was defrauded by my attorney and kept in the dark, I only ask that Ditech give me the opportunity to actually get them a full application so I can be reviewed once before they move forward with the sale of my home. My family lives in this home and we have no where to go. My hardship was a one time issue and I now have the ability to pay all of my debt if I could just be afforded a loan modification to put the arrears on the end of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX XXXX, XXXX, I requested assistance from Discover Bank/Discover Financial Services in order to initiate a dispute for a transaction that posted to my Discover Credit Card on XXXX, XXXX, XXXX. The dispute was against a merchant by the name of XXXX XXXX XXXX XXXX in the amount of {$500.00}. The following are the reasons for the dissatisfaction of the services provided by the merchant in which caused the dispute : # 1 - The merchant mislead me into paying for a baseball tournament event so that my son can attend under the conditions that he would use him as a pitcher in which he never did. # 2 - Extremely insufficient game time during the very few innings that my son participated due to the amount of players that the merchant signed up for the tournament. Baseball players want to participate and not be sitting on a bench and watch other players play. # 3 - The merchant provided verbal tournament conditions in which he stated that the players were guaranteed to play four games in which they only played three games even after the forecast was clear of any rain. The explanation given for the reduction of games was that the tournaments management staff stated that they were running behind on schedule. # 4 - The merchant invited 15+ players at {$500.00} each to the tournament and most of them were not even on the event 's roster including my son. # 5 - The  merchant was not an active state of Florida corporation at the time of the tournament event in which raised major concerns. I have provided Discover with numerous statements of how dissatisfied my family and I was with the services provided by the merchant. However, for some reason Discover is on the same side as the merchant. Why should I pay a merchant for his unethical business practice? It is my professional opinion that Discover has broken the Cardmember Agreement by not providing a fair resolution to a merchant complaint/dispute even though the merchant acted in bad faith. However, I acted in good faith and paid the merchant for services that he did fulfill and Discover agrees with the  merchant in which is to basically steal my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/16/2016 about Bank account or service (Savings account) with M&T BANK CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: I spoke with my branch of M & T bank on XXXX XXXX in XXXX XXXX. I was told that I could not add more than one beneficiary to any new account. That in order to have my husband and XXXX children as beneficiaries as I had done in the past when the bank was XXXX XXXX, I would have to open XXXX separate accounts whether they be checking, money market or cd. I called other M & T Banks in XXXX XXXX and XXXX, XXXX and they do not have this rule. I called the M & T Service hotline and they connected me to XXXX XXXX XXXX in XXXX, XXXX who is the VP of XXXX branches XXXX XXXX XXXX. He said that this was true as an internal decision and there was NO written confirmation for account holders and he would n't give me internal memos. The bank claims that ALL banks in the US will soon be doing this. Not only is opening XXXX accounts cumbersome record keeping, it prevents me from accessing higher interest rates that vary with the amount of money held in a single account. This internal rule would also require me to make XXXX withdrawals every time I did to keep the accounts even to be fair to my beneficiaries. I argued with XXXX XXXX that this was an account change and should be in an account agreement and he said no it is an internal change. There is NOTHING in writing for consumers. Needless to say, I will not continue to bank at this M & T branch.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: A ) supplemental payments incorrectly applied t B ) late fees compiles illegally C ) never reconciled and fraud occurred stating electronically submitted D ) interest rate and monthly payments changed without my consent E ) repetitive corrections over years to default back to error F ) just learn that it was not consolidated to a Federal Direct Loan Program where my years Public Service is not eligible for Loan Forgiveness with the U.S. Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( XXXX, Experian, XXXX ). I submitted a police report, FTC report and letter 3 times and they refuse to remove these in violation of section 605B. Under this section, all disputed account must be blocked within 4 business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information. 
Here is a list of the Companies and dates of the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EX XXXX/XXXX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2017 about Debt collection (I do not know) with Apex Resolution Group LLC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: The claimed debt is in my husbands name. They told me they can call any number that is " attached '' to a search they did on him. When I told them that his credit report shows nothing about an unpaid debt, they said that was because a group of atty 's bought it. I told her she was a scam and hung up. She called me right back, laughing and saying they would continue to call me and that because of my rudeness they would be immediately filing court papers. My husband has asked them numerous times for documentation on the supposed debt. He has a credit rating of almost XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Checking or savings account (Other banking product or service) with WEBSTER BANK, NATIONAL ASSOCIATION (OH).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: I have an HSA that I was provided by my previous company XXXX XXXX. The HSA that I have a problem with is currently with " XXXX a division of Webster Bank N.A, member FDIC '' Now that have departed from my company, this bank wants to charge me a monthly fee to keep my account. So I used the funds and brought this account to a XXXX balance. I then called to close the account and I was told I couldnt do it, I need to complete a form and send it back. This process is so outdated its ridiculous, this bank allows me to login to my account with a finger print, but I can not close my account with a phone call or online?!?! 
Then I get the form via email today, they would like to charge me a fee of {$25.00} to close my account. When I asked the bank CSR what would happen if I did nothing, I was informed that I would continue to be charged fees even though my account is at {$0.00} I do not recall giving this bank permissions to put my account into an overdraft status so this is also concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Consumer Loan (Vehicle loan) with SUMMIT FINANCIAL CORP (GA).
Issue: Problems when you are unable to pay

Complaint: XX/XX/2017, I voluntarily surrender my XXXX XXXX XXXX to Summit Financial Corporation. Now, Summit Financial Corporation is stating on my credit report that I filed Bankruptcy. I did not file bankruptcy on this vehicle or this company. The information that they are reporting is fraudulent information. I want them to remove this fraudulent information from my credit report and come get this vehicle that I voluntarily surrender.

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 04-03-2018 about Debt collection (Auto debt) with CREDIT ACCEPTANCE CORPORATION (DE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a vehicle repossessed by XXXX XXXX. The account number was XXXX. The remaining balance was {$71.00}. In XXXX XXXX XXXX reported that balance to the three credit bureaus. But when I attempted to pay it XXXX month later, they wanted {$510.00}. It is obvious someone thought that collecting only {$71.00} wasn't very much..so they jacked it up XXXX percent because they had me on the hook with this small balance showing an open collection. 

The Fair Debt Collection Practices Act. Section 808 ( Unfair Practices ) ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

This is a VIOLATION OF FEDERAL LAW

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 05-09-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OK).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar MortgageMonday, XXXX XXXX, XX/XX/2015nationstar IS NOT APPLYING MY PRINCIPAL PAYMENTS TO PRINCIPAL THEY ARE APPLYING IT TO FEES. i paid an additional {$20.00} to the principal and as you can see from the records below but when i login to my nationstar mortgage account they have the {$20.00} applied to FEES. they do n't say what kind of FEES it just says {$20.00} fees principal paid {$0.00}. 

why did XXXX allow me to get stuck having nationstar mortgage get my home loan from XXXX home loans??? 

Thank you for making a payment at MyNationstar.com! 

Below are your payment details : From Account : XXXX Bank and XXXX XXXX Account : Loan Number XXXXPayment Date : Monday XXXX XXXX, XX/XX/2015Payment Amount : $ XXXX Fee : $ 0.00Additional Escrow : $ 0.00Additional Principal : $ XXXX Amount : $ XXXX Payment : $ XXXX confirmation number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have applied for a modification with my servicer Wells Fargo and was denied due to not making enough income. At the time of the denial I was making XXXX and my wife XXXX with a total of XXXX, my mortgage payment is {$1900.00} which would be a ratio of 18.15 % which to my understanding from my Investor " XXXX '' that would be too much income for any Government modification ( needs to be over 31 % ). However, I was denied due to not enough income. I need to inform you that I have XXXX credit card and automotive debt, it is just my mortgage payment and household bills. 

In the meantime of going back and forth with Wells Fargo, I XXXX XXXX lost my job and my wife XXXX XXXX actually got promoted. As you can see the income has changed yet again and when I tried to inform Wellls Fargo and re-apply they informed me that I need to make {$15000.00} per month to qualify for assistance. If I was making that amount I would not be delinquent, let me remind you {$1900.00} is my mortgage payment and balance is {$260000.00} and I am now delinquent abut {$48000.00} which is a total of {$310000.00}. My new household income is {$5200.00} which would put my ratio at 37.87 % and according to my Investor would be good for a modification. I ca n't get Wells Fargo to review my account or have them look at the new figures, when I asked what was the debts used due to the possibility that they could have transposed some numbers incorrectly I was told that they do n't have those numbers. 

I just need help saving my home and Wells Fargo is stonewalling me for some reason. Please help me save my home. 

Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: I opened a Wells Fargo checking account on XX/XX/XXXX. Later I found out that they setup an opportunity checking account which has limits on what I can do with my money. I could n't send or receive transfers, use the mobile app surepay, could only deposit money at the teller or atm. I called Wells Fargo and asked them about this policy for that type of checking account. They said that I would be graduated to a regular checking account after i 've had the account for a year as long as the account was in good standing. Well XX/XX/XXXX strolls by and nothing happens. I call Wells Fargo again and they tell me that they ca n't graduate the account online, so i got to the local bank. At my local WF bank they tell me they ca n't graduate the account. They tell me it is automatically done. Nevertheless im not taking no for an answer so i try to go around the system. I applied for a prepaid card with WF. I was denied for that too!!! At this point I am extremely XXXX. How can I get denied for a simple prepaid card? After applying for the prepaid card and receiving my decision from the bank they tell me I will receive a letter in the mail stating why I was denied. I received the letter and it tells me nothing. Instead it states if I have any questions about the decision to call customer service. I call the number they provided in the letter and the agent cant tell me anything except read verbatim the same exact letter I received. I talked to 2 other agents and they could n't tell me anything either. At this point im livid with Wells Fargo. I close the the idiotic opportunity account and take the rest of my money. Furthermore, I also tried to get a joint account with a friend whom already has a regular checking account with WF ( again trying to beat their system ). Consequently they denied that too. Once more they ca n't tell me why I was denied for the joint checking account. They also did n't state in the letter if they ran my credit or not. If they ran my credit I have the right to know. The reason why i 've tried so hard to establish a REGULAR account with WF is they are nationwide, convenient, technology friendly. It would be easy to receive money for my baby son and his needs from his father.

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 03/27/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I was given a credit of {$2000.00} with the Best Buy originally through City Bank. At a certain point they lowered my limit and this caused me to be over balance with them and have to pay extra fees. 

I was in college and the military at the time. This debt has been made whole with them. 

My credit score was lower, their interest rate was high, they lowered my limit which increased my fees and made it difficult for me to pay them the amount they were asking. This was in XX/XX/XXXX and XX/XX/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 12-07-2017 about Checking or savings account (Other banking product or service) with FIFTH THIRD FINANCIAL CORPORATION (IN).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: There were not appropriate categories to choose from and I was forced to choose something, so I apologize for that upfront. 

In XXXX 2017, my husband 's ex wife subpoenaed information from Fifth Third Bank related to his bank accounts. We have an account together, so she received financial statements from that account. My bank also sent the " signature card '' from that account, which was created when I opened the account ( as an individual account ). The account contains a lot of my personal information, including the date the account was opened, my mother 's maiden name, and my social security number. No information was redacted. 

I had previously notified Fifth Third that I am not a party to the case. While I understand why the bank statements were released, my social security number is completely irrelevant and personal, and should have been redacted. 

I tried to resolve this with Fifth Third Legal and customer service to no avail. Customer service will only advise me that the matter is " closed ''. Legal will only speak to an attorney. 

My husband 's ex wife now has my social security number, and her attorney has released copies of the signature card to numerous individuals. This could be very damaging.

Company response to consumer: Closed with explanation