milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/17/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CO).
Issue: Account opening, closing, or management

Complaint: Wellsfargo is asking me to send sensitive documents over email. It is SSN card, nationality verification. 

I would like to request an audit from Wells fargo on how it requests information from its consumers. I have the evidence on how it communicated with me. It is giving a way for its consumers to leak their information through email unsecurely. Innocent citizens may not know the issues with regards to this.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: The property address mentioned above was foreclosed on XXXX XXXX, XXXX and Charged off by Bank of America in XXXX of XXXX. XXXX XXXX was the first lien-holder and tried twice to participate in a short sale, but Bank of America refused twice ; therefore, the home went into foreclosure. 

We made numerous calls to Bank of America who told us the home was charged off and we did n't owe anything. Then we received notice from XXXX XXXX saying they had the loan now. We disputed the validity of this debt. XXXX XXXX at one time agreed that Bank of America should have never sold this loan to them, but then started charging us the regular monthly payment amount of {$620.00} which has significantly increased this debt. And now XXXX XXXX is selling this disputed debt to XXXX and the debt amount has doubled from the original debt amount. 

Additionally, this property was part of the XXXX XXXX XXXX XXXX Lawsuit against the XXXX banks ( including Bank of America and XXXX XXXX XXXX that foreclosed on homes and should not have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: On Monday ( XX/XX/XXXX ) I noticed a charge on the joint checking account I share with my wife in the amount of {$22.00}. The charge was from EXPERIAN and appeared to be for a credit report. Neither my wife nor I requested a credit report recently. I called my credit union and they gave me a number for EXPERIAN. I called them yesterday ( XX/XX/XXXX ) and was on hold for 90 minutes without getting through. I call the same number this morning ( XX/XX/XXXX ) and was on hold for an hour without getting through. I went to their website and called a different number. I got through to someone in the charge dispute department and explained my problem. He told me it sounded like a membership charge. While I did request a credit score from EXPERIAN in the wake of the XXXX data breech, I did n't sign up for any kind of membership. The man I spoke with transferred me to the membership department and I am now on hold again ( 25 minutes and counting ). It is criminal that these credit agencies traffic in our financial information and yet we have to pay to access that information. Not only do they make huge profits off of our information, they 're careless with this vital data. I want the {$22.00} refunded and any membership that was set up unbeknown to me terminated. Thank you in advance for your kind attention.

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 09/29/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America has caused to be recorded NOD XX/XX/XXXX on a Trust Deed that first became delinquent XX/XX/XXXX. Bank of America has offered no explanation of the seven year delay in starting the foreclosure process with the recording of a NOD or for resting upon their laurels regarding exercising the right to foreclose. 
Bank of America has provided me with a payment history detailing a total of twenty-six regular payments and XXXX corresponding miscellaneous adjustments between XX/XX/XXXX through XX/XX/XXXX, reflecting monthly installments applied from XX/XX/XXXX to XX/XX/XXXX, for a net total of twenty-four regular monthly installments made, accepted, and applied to the home loan mortgage account under the terms of the XX/XX/XXXX Deed of Trust that is now in active foreclosure.

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 05/30/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: After checking my credit report there was a line showing an open account with Synchrony Bank/Amazon with a balance of over {$1000.00}, but only reporting to XXXX credit bureau. I contacted the company asking them to update and remove the account. They said the debt had been verified as mine, because I had disputed it before and never received a letter of validation, the company also would n't disclose when they sent the letter of validation, and has never attempted to contact me to continue to collect on the debt that is supposedly owed.

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 03/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: 3rd Party collector is not licensed in Texas

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Settlement process and costs

Complaint: I have had my house on the market since XX/XX/XXXX, and listed with XXXX in XXXX, PA since XX/XX/XXXX. I was unable to make payments, and thus was suggested a short sale by my agent. My bank is Chase. The agent was awful and the branch supervisor had to take over the process. I had a qualified buyer with a loan secured in XX/XX/XXXX. The bank kept making excuses regarding approval of this sale, and the buyer lost their loan XX/XX/XXXX. They did receive an extension on loan from their bank to XX/XX/XXXX - only to be told it probably would not be approved for sale, after they said it was moved to closing - they withdrew. I now have had another offer - XXXX % cash offer with proof of payment and Chase XXXX will not allow this lady to make the purchase of home via short sale. This offer was verified XX/XX/XXXX and they said it might not be approved until XX/XX/XXXX. 
I am beyond frustrated and do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Oracle Financial Group LLC. (NV).
Issue: Struggling to pay your loan

Complaint: Oracle will not send me by mail a letter stating original loan company, original loan amount, current amount owed and receipts for all of the payments already made to Oracle. Now receiving threatening phone calls by a XXXX XXXX of XXXX XXXX XXXX XXXX XXXX ( he says he 's affiliated with Oracle ). He called me 3x the first day along with calling my employer. Started calling me the next day at 5:57 am.  When I returned his phone call he was rude, threatening me that he was going to tell my employer that I 'm being charged with federal bank fraud ...., every time I speak to him he threatens that he 's going to have me arrested for fraud and take me to court. I have told him 2x that he can not call me at my employment and he continued to do so. I asked him numerous times to provide me by US mail a copy of the debt with original loan amount, the amount owed etc and he gets belligerent and does n't let me complete a sentence saying I 'm trying to still. I was advised by an attorneys office to reach back to Oracle to get some info and they will not return my email or phone call.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Mortgage (FHA mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I had an FHA mortgage from XXXX XXXX XXXX. I was divorced and my husband gave me the house in the divorce settlement. I tried to get a modification from XXXX XXXX XXXX, but it was denied. Then, my mortgage was somehow sold to Rushmore Loan Management Services. It 's no longer an FHA mortgage, and they WILL NOT work with me to complete a short sale. They are demanding that I find a buyer willing to pay MORE THAN the original outstanding principal balance, and MORE than the current appraisal value. This will go to foreclosure auction on XXXX/XXXX/2015, and I will be forced to declare bankruptcy if they come after me for the deficiency, which I can not afford. How was XXXX XXXX XXXX allowed to sell my FHA loan and convert it to a conventional loan, and why was a non-HAFA participant allowed to acquire my mortgage? Rushmore has been totally uncooperative and expects this house ( with non-insurable aluminum wiring and in need of a new roof ) to sell for MORE than it 's worth and far more than I ever owed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I am so frustrated and fed up with this company that defaulting on my mortgage would be a XXXX send so that I would n't have to deal with their lackluster customer service and lack of feedback or response to any of my valid complaints. I am delinquent and have tried to see if Nationstar would work with me on a possible loan remodification which I was unsuccessful at. I have made dozens of calls trying to get some assistance but nationstar does not have a customer service line where you can actually speak with a representative. I am disgusted and unfortunately out of options and the only thing I have left to do is file yet another complaint. I have filed NUMEROUS complaints on this company from using this agency, to the BBB, the DOJ and anyone else XXXX search tells me wlll help. All I want is customer service and assistance. I quit my part time job so I can get my XXXX out so I can catch up on my mortgage while I attempt to find new FT and PT employment. My goal is to have this mortgage caught up by next month but I want to know of my options which no one at Nationstar is willing to divulge because they have no customer service department and the person handling my account does not exist. I missed her call today and called back immediately only to get her voice mail. I left one of numerous messages for this XXXX XXXX but have been unable to reach despite my numerous attempts. Please investigate this company for its deceptive practices. I feel this business is a fraud, a cloak and a front to steal people 's homes from under them by not offering them customer service or assistance. I do n't know what else to do except to file yet another complaint. And I will continue to file complaints until Nationstar addresses my concerns regarding their deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Auto debt) with BBVA COMPASS FINANCIAL CORPORATION (OK).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I requested validation of debt with a debt validation letter dated XXXX XXXX, 2017 and I received no signed contractual obligation to validate the debt is mine from Compass Bank. It is still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: From XXXX XXXX, XXXX, through XXXX XXXX, XXXX, I have tried to continuously get the information that is being reported as not paid and requested for validation of the debt, however, no one has responded to me other than to say I have to contact another firm, who never responds to me. 

I wanted to resolve this as I do not believe that I owe this, however, I ca n't get any information or assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (GA).
Issue: Fraud or scam

Complaint: I have been talking to Equifax about mis information on my account .They argeed to delete my inquiry for I myself did not apply for them.I called 3 times spoke to 3 difference rep and they all told me they will be deleted came me a confirmation and everything on XXXX XXXX XXXX they removed several accounts from credit including un inquiry .Today XXXX/XXXX/XXXX they are back with all the accounts the removed before .I am totally confused by their action .I was not inform by mail or email .I will like use the reversion complaint for this .I should have bern informed that they were adding the accounts as well as adding the inquiry back.I have proof and would like all accounts the removed to be off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage ( perhaps the worst loan servicer on the planet ) continues with their negligent handling of my loan. They recently sent me correspondence containing numerous errors related to the upcoming adjustments on my interest rate ... i.e. an incorrect floor rate, incorrect first adjustment limits ( too high ), and incorrect estimate payment information. I called customer service and the representative fully agreed with my concerns in reading my Promissory Note and opened a " research request '' # XXXX ; however, Nationstar has not responded and I 've been unable to get any resolution by phone ( after over 1 hour and 15 minutes on hold with XXXX or XXXX, and numerous transfers and hangups.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm a XXXX adult and I 'm positive that I have not made over XXXX inquiries into my credit report. I also see mistakes in account reports and in delinquent reports, because the delinquencies are due to being repeatedly ignored on the phone to give proper insurance information. Furthermore, I do n't know how to get help with a XXXX committed against me that may be effecting my credit. The manager of an XXXX store in XXXX named XXXX XXXX pushed me physically out of the store because she said I 'm too " XXXX '' to have an account with them, immediately after I asked her to speak more slowly due to a 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 06-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
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: Bank of america received a reverse charge from a merchant on my credit card. charge was for {$1400.00} on  XXXX   XXXX   2017 . charge was reversed on  XXXX   XXXX   2017 . I have told this t o 3 d ifferent representative 's on the phone, I sent a registered letter explaining. This and the credit was never applied they continued to charge interest and Fee 's I have no other charges on the card and I want to close 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 01/27/2017 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: I was delinquent on my credit card acct & entered negotiations XX/XX/XXXX with usaa credit card settlement dept to attempt to settle for less than balance due. on my first conversation i made an offer & usaa countered my offer. on the second contact with usaa a customer service rep named XXXX stopped negotiations when I countered usaa 's first offer with the same amt/percentage as my initial offer. XXXX stated that I could n't counter with the same amt/percentage. I was never told I could n't submit duplicate counters PRIOR to entering negotiations. after negotiations I filed a cfpb complaint ( case number XXXX ). I got a call the next day from XXXX of usaa & talked with him about the issue. the only thing that came of the conversation was that I got was his direct extension & he asked me to call him directly if any other problems should arise. Fast forward to XX/XX/XXXX, I re-entered negotiations with usaa to settle the same credit card debt for less than balance due & during the course of negotiations on 4 separate occasions usaa customer service reps took my identical offers and countered them contrary to what XXXX had stated XX/XX/XXXX. i finally reached a settlement agreement with usaa XX/XX/XXXX & am currently executing that agreement. I have XXXX issues, first issue that concerns me is 1 usaa rep XXXX may be operating contrary to usaa 's operating procedures versus the XXXX other usaa reps that are operating contrary to XXXX by accepting my same negotiation offer amount/percentage. the second issue is that since XXXX I 've been calling XXXX of usaa directly at ext XXXX a minimum of once weekly & leaving messages on his voicemail requesting a call back directly. to this date XXXX XXXX has n't returned any of my calls. despite my repeated attempts of calling usaa & requesting usaa reps email XXXX directly requesting he call me, I 've not gotten a call from XXXX. I believe my third issue to be the most important, I believe as a direct result of usaa rep XXXX actions of wrongfully ending negotiations XX/XX/XXXX, I 've incurred {$700.00} in additional mo pymts, interest & late fees to date that I SHOULD NOT have incurred. I want this issue resolved immediately by either XXXX or a usaa rep with equivalent or higher authority as XXXX XXXX contacting me directly & agreeing to adjust the final XXXX amount to no less than a minimum of a {$700.00} reduction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit card or prepaid card (Gift card) with SYNCHRONY FINANCIAL (FL).
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint: On XX/XX/XXXX, I purchased a XXXX XXXX gift card online in the amount of {$500.00}. 
I received the gift card on XX/XX/XXXX and it was n't active. I also received an email from XXXX XXXX XXXX stating once I receive my order, activate my card by clicking on the link provided in this email. I clicked on the link provided and it said : " Gift card has already been sent for activation ''. Despite numerous attempts in receiving assistance regarding this matter, my gift card still does not have the funds loaded onto it and {$500.00} has already been deducted from my credit card. As of XX/XX/XXXX, my card is still not active. Please help.

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 04-09-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Settlement process and costs

Complaint: Ocwen canceled my mortgage debt in the amount of {$490000.00} They sent me copy of the XXXX which I placed on my tax return and caused me to owe taxes. 

I applied for a modification with Ocwen in XX/XX/2016 at the begginning of my foreclosure case. I informed Ocwen since they canceled part of my mortgage for {$490000.00} that the modification should only be on the amount of {$350.00} and not on the original amount of my debt. 

Ocwen refuses to acknowledge or deny the cancellation of debt. Ocwen obtained the benefit of the tax write off when they send the Internal Revenue Service a XXXX and caused a taxable event to be attributed to my personal taxes. It is unfair that they are able to obtain a tax credit and still try to get me to pay the full amount of the original debt which they partially wrote off.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: i am getting phone calls saying if I do n't pay I will go to jail I ask to stop calling and it keeps happening everday

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WA).
Issue: Taking out the loan or lease

Complaint: I applied to USAA for a re finance, the original company supplying me the loan was XXXX XXXX. I notarize and sent all necessary paperwork to USAA as soon as I was able. I was informed around a week and a half ago that a check had not been sent to XXXX as of that day and there was some confusion regarding the payoff amount for the loan. I ensured that the representative had the correct payoff amount for the check and assumed everything was fine. I received a call today, XXXX XXXX, 2017 from XXXX XXXX, informing me that they still have not received a check. I am now 29 days " past due '' according to XXXX XXXX and still waiting for the payoff check to make it to XXXX. I have {$100.00} to pay XXXX because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: ON XXXX17 MY ACCOUNT WAS DEBITED IN THE AMOUNT OF XXXX BY XXXX XXXX AND XXXX XXXX. I DISPUTED THESE CHARGES BECAUSE THE SERVICES WITH XXXX HAD BEEN CANCELLED IN XXXX AND XXXX XXXX IS ENGAGING IN FRAUDULENT PREDADTORY LENDING PRACTICES AND IS A SCAM. BANK OF AMERICA IS REFUSING TO REIMBURSE ME FOR THIS VALID AND LEGITAMITE CLAIM.

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