milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Closing on a mortgage

Complaint: In XXXX of 2006, My wife attempted to refinance our home. She provided check stubs showing her accurate monthly income of {$2500.00} per month. Instead of verifying my income, XXXX XXXX generated an application via their computer system indicating that I was making {$8000.00} per month plus my title was changed from XXXX to XXXX XXXX. So without our knowledge, of this fraud, they approved my wife for a loan that was already illegal to sell to consumers in Illinois ( Pick-a-Pay mortgage ). Then, they took out a default insurance policy in anticipation of my default. We were not aware of this policy until I was contacted by XXXX XXXX, advising me of this default policy. The auditor first stated that it was illegal for them to take out a policy without my knowledge. Then they advised me that the bank had put through a claim but was denied because they did not follow the federal underwriting guidelines. I also have a letter indicating this from XXXX XXXX XXXX ( the default mortgage insurance company ). One year later, the bank used the same exact application indicating my monthly income of {$8000.00} to open an equity line in the amount of {$35000.00}. Firstly, we are not aware of such equity line. There is no proof of funds distributed. Incidentally, there is no proof of any closing for either loan. There are several notary signatures. We also previously put in about 6 or more complaints to the Consumer Financial Protection bureau. Each time, the bank lied about the findings. They denied all allegation, claiming they did nothing wrong when the proof was provided. Even though, I provided a letter from XXXX XXXX, they deny any such policy. They even ignore the fact that the same exact application was used a year apart. The notarys signature is also on a blank piece of paper and is dated 1 day after the loan. The mortgage shows about 6 title companies. I contacted each title company and none have any recollection or information about any closing. They all state that there was no such closing on their books. Also, a recent title search shows that I my wife does not have a mortgage. I was not working and therefore the mortgage was only in my wife 's name but the title search shows that the mortgage is under my name. I have a XXXX XXXX and they did not follow the federal guidelines when selling a loan to a person with a 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 12-08-2016 about Credit card () with DISCOVER BANK (IN).
Issue: Other

Complaint: There is a credit balance on my Discover credit card account. I requested that check be sent to me to resolve the balance and to date there has been no evidence that there has been an action to refund my money to me

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: RE : U.S. NATIONAL ASSOCIATION, AS TRUSTEE, ON BEHALF OF THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX HOME EQUITY PASSTHROUGH CERTIFICATES, SERIES XXXX. Wrongful Foreclosure. Violation of California Homeowner Bill Of Rights, Violation of California Civil Code 2923.55 ( b ) ( 2 ) and 2923.55 ( c ). False information filed under penalty of perjury on California Declaration Of Compliance dated XX/XX/2016 as part of the Notice Of Default. Specifically, homeowner, XXXX XXXX, received a phone call on her cell phone on XX/XX/2016 from a representative from XXXX XXXX XXXX. The representative inquired about homeowners plans for the property as payments were delinquent. The representative was advised that there had been a change in material and financial circumstances. That the co borrower spouse on the loan, XXXX XXXX, had been diagnosed with XXXX XXXX on XX/XX/2016 after having been ill but undiagnosed for one year. The XXXX representative was advised that XXXX XXXX 's illness had kept him from working full time in his small business and had caused a substantial drop in business income. The XXXX representative was advised that the homeowners needed a review for loan modification as the interest rate of 8.625 % was too high and made the mortgage payment too high. The XXXX representative advised the homeowner that a review for a loan modification was " not an option '' because a loan modification had been previously completed. It was not until I received a consultation with an attorney, that I learned that the bank and or assigned servicer were obligated by law to review for a loan modification if there had been a change in material or financial circumstances. The statements made by the XXXX representative discouraged the homeowner from pursuing a review for modification. The SPs Representative violated the homeowner 's rights by NOT fully exploring all the available options to avoid foreclosure. A California Declaration Of Compliance was filed XX/XX/2016 with the Notice Of Default, falsely stating that all options to avoid foreclosure had been explored with homeowner. My rights have been violated. My home is being sold without due process of law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Bank account or service (Checking account) with PNC Bank N.A. (NC).
Issue: Problems caused by my funds being low

Complaint: I have a business account with PNC Bank. After my last over draft fee I requested to have the account to not except my debit card if funds were unavailable. This was last XX/XX/XXXX. 
Since I monitor my account daily. 
I made a deposit and had funds available on XXXX. On the same day ( Saturday ) I made a cash withdraw and several purchases using my debit card. On Monday ( XXXX ) at XXXX I showed money in the account and the pending deposit and the outstanding purchases. On XXXX I checked my account to discover that that deposit had cleared into my account and the waiting purchases had cleared as well. But the bank took advantage of my balance to what customer service rep XXXX XXXX said the waiting purchases had cleared before the deposit. XXXX over draft fee for XXXX dollars each were charged to my account. I was unable to have the fees returned. I make a deposits on Friday and the check is cleared the same day, available the next day ( Saturday ). Make a deposit on a Saturday and funds are n't cleared till after XXXX Monday. If the deposit clears first no problems but if purchases are pending the bank seems to always take advantage of the pending purchases and not the deposits to go after over draft fees. I have screen shots of my account and never once does it show the account in the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: To Whom I t May Conc er n : Amazon made an unauthorized purchase/auto-billing from my Amazon Store Card o n  XXXX / XXXX /  XXXX   ( affiliated with Synchrony  Bank ) for Amazon Prime Renewal (   {$100.00} see  XXXX _Amazon_Statement ).     I have used my  XXXX   XXXX   XXXX  debit/Visa card in the past to automatically renew to  my Amazon Prime m embership ( see  XXXX _ XXXX _statement  XXXX  ), which is still in good standing and not expired. The only logical reason that  Amazon would bill their store card without my authorization was that Amazon was  hoping to help its affiliate Synchrony Bank cash in on their 26.49 % APR ( see  XXXX _Amazon_Statement page  2 ). To make matters worse, the Amazon store c ard is set to a default setting to receive no text or email ( see  XXXX _Amazon_Account_Summary ), so it will go unnoticed by the consumer and surprisingly, Recurring payments is set to off which begs the question, why was I charged with that setting on? Please see   XXXX  _Amazon_Account_Summary.   I was charged with a late fee ( on  XXXX / XXXX /  XXXX   see   XXXX _Amazon_ XX/XX/XXXX _statement ), be cause I was not aware of the unauthorized transaction that took place over a month ago.     I am concerned about this happening on a larger scale aimed at hurting consumers and that the risk/reward factor greatly benefits  Amazon and its Affiliate bank Synchrony to harass its customers in this way. I have been on the phone with Amazon and Synchrony today (   XXXX / XXXX /  XXXX    ) to try  and resolve the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/20/2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: I I have been a Bank of America for about 12 years. Today I received an email stating my Savings account which is linked to my E-Checking count to avoid maintenance fees is no longer applicable. The email had the audacity to state the " waiver '' I have been receiving is being removed. First and foremost XXXX has not been granting me a special waiver. The maintenance fee has not been charged due to the fact it is linked with my E-Checking which I was advised to do when opening account and agreed upon. Secondly the email then advises I must open another type checking account to continue not being charged the maintenance fee. Bare in mind the minimum for these accounts are about {$20000.00} as is the Preferred Rewards option.Surely there should be a grandfather option.Nothing was advised when opening this account that XXXX would come after the fact and force other options after agreeing to link E-checking and savings for no maintenance fee.Its principle and not a good way to do business.I bank at XXXX other establishments as well and never had this issue.I called customer service which apparently no one is working. As I was on hold an unacceptable amount of time over 70 mins being disconnected or no one to answer and had to head back to work.Constant automated message about call volume.

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 09-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Global Credit & Collection Corporation (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We continue to get automated calls from LEADING EDGE XXXX at our number, although we are new customers assigned the phone number.

Company response to consumer: Closed
Consumer complaint received 02/26/2016 about Debt collection (I do not know) with Allied Interstate LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Not only have they called my job after numerous times of being told NOT too, they also attempted to share my personal information with another employee ( social security number ) And also have threatened to do a garnishment when NO legal action has been taken!

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 09-02-2016 about Other financial service (Credit repair) with AE Tradings Inc (FL).
Issue: Fraud or scam

Complaint: XXXX XXXX at XXXX offered to help to improve my credit score by having his company cancel some of the negative items, and mostly apply a Tradeline. He explained that his company would have obtained from a bank or financial institution a so-called Tradeline, equivalent to a credit line for XXXX $ which would have post on my credit and would have significantly improve my debt-credit ratio with credit bureaus boosting my credit score. Such Tradeline cost was XXXX , only for the Tradeline. After months of several follow ups and no signs of such Tradelane nowhere, no improvements in my credit score, to the contrary a decrease without any negative actions from my side that may have caused that, or receiving official document proving such tradeline posted on my account for XXXX $ I asked refund. He emailed saying his company policy states 'no refunds ' and admitting several times he had a delay and he even offered to raise the amount of such credit line if it would not being posted in the following 30 days. All in writing. He of course never delivered what he promised and he disappeared. I think we have here several grounds for a financial fraud. I have in my possession several written communication proving all that. I wish to have full refund of my XXXX $ ( XXXX $ were discounted and paid to my boyfriend as referral fee ), and make sure that no other consumers will be duped by this individual. Please look at the attachments where my boyfriend is trying to have proof for the service paid XXXX . XXXX XXXX, the company owner sent a cropped photo ( see attached ) presumably of a fake credit card opened in my name retroactively in 1998. I have also more contracts and written proofs if necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Loan servicing, payments, escrow account

Complaint: We financed our home with Wells Fargo in 2007 for a 30 year fixed rate term. We made payments for nearly 10 years, our starting balance was a {$150.00} our current balance is {$150.00}. Our total payments to date are {$120.00} and only {$4.00} is on principal. How can that be?

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 05/16/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I called Specialized Loan Servicing to make a monthly payment and they refused to accept my payment. I was told that they would not accept a payment of {$800.00} ; which is one ( 1 ) month payment that the payment had to be one ( 1 ) month payment + half a payment. This is not the first time they refused to accept my payment ; in XXXX XXXX they accepted a payment of {$780.00} ; however in XX/XX/XXXX I was informed that they did not accept that payment and I needed to pay the new amount of {$800.00} ; an increase that I was not aware of. I did pay the amount requested, however it then put me at 2 months behind in payments. I have paid the {$880.00} up to this date and they have accepted the payment, however today XXXX XXXX, XXXX they refused to accept the payment ; which would put me at XXXX ( 3 ) months behind. I have been working with the Loan Modification department since 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 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I recently transferred my student loans from  XXXX  to  XXXX , since I qualify for the federal student loan forgiveness program due to my military service.  Two  months went by with me calling both service providers to ask who I send payment to, and neither had any idea. On  XXXX   XXXX   2017 , I received a letter from  XXXX  stating  XXXX  would contact me about when it was time to submit payment. My  credit score then   dropped over  XXXX  points. I received no notice, either via email, account inbox, phone call or regular mail. When my payment information populated on the  XXXX  website, I was able to make payment for the two months missed.

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 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Been trying to get XXXX negative child support cases from reflecting from my credit report for years according to the new credit law establishedXX/XX/XXXX beginning XX/XX/XXXX child support is not a contractual debt, there were no good/services rendered ; also refer to Public Law 805-C3 of the Fair Debt Collection Practices Act ( FDCPA ) I hereby demand that you remove the reporting of child support form my credit report. Child Support as you know arose out of an administrative support order and is NOT a debt within the scope of FDCPA ( 15 USC 1692 et sep. ). Child support payments, which obligation arose out of administrative support order issues by state department of social services, are not debts encompassed within the scope of Fair Debt Collection Practices Act ( 15 USCS 1692 et seq. ). more supporting laws regarding child support being reported to credit bureau agencies.Child support obligor failed to state claim against defendants, custodial parent and state agencies and employees, under Fair Debt Collection Practices Act because no defendant was : debt Collector with meaning of 15 USCS 1692a ( 6 ) with regard to child support payments, state employees were excluded from definition of debt collector under 1692a ( 6 ) ( C ) ; further, child support obligations were not debt under 1692a ( 5 )

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 01/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: XX/XX/XXXX CONTINUATION to MY FORMAL COMPLAINT Pin # XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Capital One Cases : XXXX, XXXX CFPB No : XXXX Dear XXXX XXXX and Capital One : This letter again is in response to my complaint to ( CFPB ) regarding my complaint of receiving XXXX XXXX credit card account personal information being sent to my email address, and sending mail/offers to my home address. 

You stated as of the date of the last letter, you removed my name and address as it appears above, from your mailing list, however, on XX/XX/XXXX I received a letter from the following : Capital One Quicksilver Rewards, XXXX XXXX XXXX XXXX, XXXX, VA XXXXand I spoke with someone there in reference to it and she never responded. XX/XX/XXXX letter from Capital One VentureOne Rewards to the name and address you have supposedly removed. ( Copies of envelope attached ). 

As I stated to you in my complaint, this is very stressful dealing with this continually and as I stated in my earlier complaint, that if this continues, You are still sending me offers at the same name and address you claim that you have removed. Each time I have to deal with this situation it is costing me a stressful time and you all need to compensate me for my time and stress, in my original complaint I asked for a {$1000.00}, now I am asking for more {$1500.00} because it is continuing and for my pain and suffering and time and aggravation in dealing with this continued matter. I am asking you for the last time to CEASE AND DESIST and remove my name, address, email and any other information relating to me from your records, all records, offers, etc. I am not a customer and do not want to be a customer of Capital One. I will be contacting Consumer Affairs to file another complaint if this is not resolved in a timely manner. If I can not get this resolved, I will be contacting a lawyer. 

This letter will serve as your legal notice to CEASE AND DESIST all further mail, emails, correspondence and all further mail actions described above. You are hereby instructed to comply with this letter immediately or face legal actions under applicable Federal and State laws. 

I may utilize recordings to document any telephone conversations that we may have in the future if u fail to comply with this cease and desist letter. I intend to keep a log of any contacts you make with me after you receive this letter. 

Please give this very important matter the utmost attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX or XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX fax # XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I rented a card in XXXX XXXX onXX/XX/XXXX toXX/XX/XXXX.
The rental card was foXXXX XXXX per week and we paid cash. They ask me for copy of the passport driver license and credit card to secured that I will return the car.
The car have break problems and returned 15 minutes later.
They did n't have a similar car and they gave me an upgrade for XXXX additionals.
To my surprise onXX/XX/XXXX i saw two credit card charges one for XXXX and another for XXXX. I call the Wells Fargo and told them that those charges were not authorized by me and hold payment until they investigate.
On Monday was another charge for XXXX and also told the bank that is fraud.
They are refusing the reverse those charges I ask them to contact the merchant and request an authorization from me and they are refusing.
The card number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 monetary relief
Consumer complaint received 07/23/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Closing/Cancelling account

Complaint: Approximately, a week ago, I received an American Express Blue card. I have been abused, harassed, and tortured by multiple security checks, at least 9 TIMES, PASSING ALL OF THEM WITH FLYING COLORS, and I ca n't get a real explanation why the repeated checks. I can not get a cash advance ; they will not allow me to create a security pin. I received a letter yesterday, XXXX/XXXX/2015, SAYING, ONCE AGAIN, TO CALL THEIR SECURITY DEPT., AND IF I DO NOT IN 30 DAYS, THE CARD WILL BE CANCELLED!!!! I have angered XXXX people with ties to the banking industry and I think this is at the root of all of this!!

Company response to consumer: Closed with explanation