milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: My identity and a mortgage scam have caused my house to be to foreclosed and possible eviction looms over me. From XXXX till XXXX XXXX I have been a victim of a predatory loan and {$52000.00} dollars to be paid to my bank HSBC and XXXX was stolen in a mortgage scam by people who said they were attorneys for the XXXX program. My original loan in XXXX I put {$6000.00} in escrow for my septic title XXXX is gone the bank, the attorney for bank do not know where it is ... ..its just disappeared but no work ever done! At closing no inspection was done and house has serious issues. XXXX informed me my personal information has been compromised I am a XXXX year employee of XXXX. I have filed paperwork with the XXXX of both XXXX XXXX and XXXX, the XXXX police and federal trade commission and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have receipts from all XXXX deposits I made to XXXX Mergers for payments for my mortgage to XXXX. Also wire trannsfers to XXXX bank XXXX .my wife is also XXXX retired postal worker. If there is anything you need. Please feel free to contact me at XXXX name is XXXX XXXX XXXX Also they hacked into my email and I was forced to change my email but it is XXXXXXXXXXXX thank you sincerely for any help you can provide and from XXXX XXXX till XXXX XXXX I did try to get a loan modification and assistance from HSBC and XXXX to right the ship but my house was upside down ... ... I tried everything to keep my house but due to the the identity theft my life has been turned upside down ... .i need your help, guidance and assistance thank you

Company response to consumer: Closed
Consumer complaint received 08/15/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I noticed that on XXXX/XXXX/2016 when my credit updated for the week with XXXX a new collection account was added to my XXXX credit report. I do n't owe this account nor have I had a credit card with XXXX XXXX. I never got notice of this. This was added falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Debt collection (I do not know) with EOS Holdings, Inc. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have recieved 3-4 calls a week since the beginning of the month at random times, anywhere from XXXX to XXXX. Upon answering the phone and saying hello no one answers, I can hear ringing and such in the background but after saying hello 2-3 times they just hang up. They just continue to do the same thing over and over again. I do n't know what company this is or what they are trying to collect from me. The only information that I have found is when I call them back they tell me that the company is EOS CCA. I refused to talk with them because of the random and harassing phone calls I have been receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Medical Data Systems recently reported a collection to my credit report and I would like Debt Validation

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 07/24/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citi Gold account online and entered promotion code XXXX. where I would receive XXXX XXXX XXXX bonus miles points after completing certain requirements. On XXXX/XXXX/XXXX, I received a letter from Citibank confirming that that the promotion offer is attached to my application and confirming that I would receive eligible for the bonus. This lead me to finalize the application and agree to open this premium account. I 've since completed the requirements to receive the bonus and I have kept XXXX with Citigold account so that I am not charged with monthly fees associated with the account. 
A follow up email and phone call with Citibank confirmed that the previously stated requirements were met. Citibank sent me an email on XXXX/XXXX/XXXX stating that I have meet ALL the requirements for the promotion and have asked me to wait for 30-90 days for the points to added to my AA accounts. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited, Citi has not add the AA bonus miles points to my AA account. I believe Citibank is behaving on unethical business practices by not fulfilling their end of a business agreement and purposefully and/or negligently misleading customers.

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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquiries on my consumer credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Credit decision / Underwriting

Complaint: I obtained a mortgage loan from Wells Fargo Financial on XXXX/XXXX/2007 for an amount of {$39000.00} with an interest rate of 11.88 %. To this date my balance is {$32000.00} with the exact same HIGH interest rate. I set my account up on a automatic draft of {$250.00} every 2 weeks in hopes of seeing my balance go down. My payments are {$430.00} and I am paying {$500.00} a month. The majority of my payment goes to the interest. At times NONE of my payment is being applied to the balance at all.

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 12/15/2015 about Debt collection (I do not know) with The Affiliated Group, Inc (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The last correspondence I sent this company on XXXX XXXX, 2015 pertained to a demand for validation. The company has failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).

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 11/20/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Had a credit card charged off XX/XX/2014, was sold to a collection agency for {$300.00} more than I owed. Midland Financial 's local counsel attempted to contact me via phone and mail at my father 's home, an address that was never associated with the credit card and has not been used in association with my personal or financial information for over a decade. He is in the early stages of dementia, and as a result phone messages get deleted, letters get misplaced, and when the collection company filed a civil suit against me XX/XX/XXXX he signed for and subsequently misplaced the summons. Discovered the summons in a pile of papers while helping clean his house, and due to the time frame between the discovery of the summons and the trial I opted to just pay the debt as opposed to attempting to mount a defense, since local counsel was not willing to negotiate for the same reasons. My credit report, drivers license, etc. all have my current address and phone number listed, I feel there was a lack of due diligence on the part of the debt collector, either by accident or design. It should be noted that I moved a little over a year ago from the address that was associated with the credit card and filed a change of address with the DMV and mail forwarding with the USPS. The original address and my current phone number were both on paperwork attached to the discovery section of my writ of summons.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (MD).
Issue: Confusing or missing disclosures

Complaint: Violation of PayPal 's policy on custom painted items. Unfair/no grounds for account limitation. The reason provided is excessive risk. 
Hi, my account got limited without any proof that the bags I am selling are not authentic. Also, PayPal granted a refund to the buyer for the custom painted bag while, according to PayPal 's policy, custom painted items can not be returned. I did speak with PayPal representative who confirmed that as well, but my account got limited the next day through the automatic reply. All of the bags I 'm selling are authentic XXXX XXXX bags that I legally and lawfully buy and own, then customize and sell. A customer who opened a claim against me has had the bag for XXXX months, then opened a case against me on PayPal that it is not authentic. XXXX has a policy that if the buyer claims the bag is n't authentic, they have to get a certified copy from the store that it 's not authentic. Instead of looking into this claim thoroughly, my account got limited. I have sold over 100 bags through XXXX, XXXX, XXXX, XXXX, XXXX, and my website. All of these platforms never had a problem with me selling allegedly counterfeit items as PayPal assumed and never limited my accounts. I am only selling authentic XXXX XXXX bags, and not only bags by this brand, but also by other brands. Please look into this issue instead of sending automatic replies. Thanks, XXXX Account ID : # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing statement

Complaint: I had just asked Home Depot to keep my account open. They said it would be closed since I had not used it very often. 
I made XXXX small purchase in XXXX 2015 on my Home Depot credit card. I did n't think anything about.I expected to get a statement in the mail and pay if off. Done. 

I did n't know there was a problem with the Home Depot credit card until it showed up in my online XXXX account. I had no idea that anything was wrong. It was reported that I had missed a payment and it was 30 days overdue. I was shocked to say the least. I paid the balance off as soon as I found out and setup an online Home Depot account. 

Home Depot said the monthly statements with the overdue amounts/notices/ overdue fees were sent to me via e-mail. I never received any of them. I did n't expect the Home Depot account to be paperless so the e-mails more than likely ended up in the spam folder. 

I do n't recall setting the Home Depot account to be paperless. I expected to receive a statement in the mail. They did n't do anything else to let me know the account was thirty days overdue. I did n't even receive a phone call or any other form of communications. NONE. 
Home Depot did n't think e-mail statements were a very good idea for me so they STOPPED my PAPERLESS e-mail statements and moved me over to paper statements. They did all of this without even asking me for my permission or what I would prefer. 

They finally send me a real, paper statement in the middle of XXXX 2015 for the purchase I made in XXXX 2015. 

It is too late to start sending paper statements. Home Depot should have done that months ago. I have never missed a payment in 41+ years of having credit. NEVER. NOT XXXX. Now my credit is destroyed. My FICO has dropped over XXXX points. There is something very, very wrong with this situation. 

I thought this was an isolated incident and was something specific to me. After a few XXXX searches, I am finding out that there are many, many other Home Depot credit card holders that have encountered ordeals very much like mine. 

I want this taken off my credit rating. If they had mailed me a statement like they were supposed to do this would never had happened. They did n't make a good faith effort to let me know the account was going to be overdue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/23/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: In XX/XX/XXXX I started to attend XXXX XXXX in XXXX XXXX. I completed a 2 year program. They charged a very high tuition for those two years. Also every government dispersment of money went all to them. I never saw a penny. I never got a job that I could pay those loans back either. 

I have 2 loans from that school. 
Direct Sub Consolidation Loan Deferment {$12000.00} Direct Unsub Consolidation Ln Deferment {$16000.00} ( XX/XX/XXXX) They are in Deferment because I paid XXXX lump sum. so to do that so I could help my credit and go back to school in XX/XX/XXXX. 

Now I am attending XXXX XXXX XXXX at XXXX XXXX. I took out loans but they will total less than half of what I paid at XXXX XXXX and I will pay them back as I this school has already benefited me financially. Also the caliber of education at XXXX vs XXXX XXXX is a lot different. 

I feel that I should have to pay something for going to XXXX XXXX but definitely not whats left. I was young ( and poor ) and had no idea that XXXX XXXX was preying on peoples hopes just so XXXX could get Federal money. 

For profit schools are very bad for students it seems.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I currently have an issue with my student loan servicer Navient in the sense that they are trying to raise my interest and payments even though I have fixed 30 year interest and repayment schedule and I have never been late on my payment and have been making regular payments for over 12 years automatically deducted from my bank account every month on time. 

I 've contacted the loan service ( Navient ) and all they could tell me was they have looked at the contract and are increasing my payment, even though again, I have a fixed rate and have been paying on time.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax will not get XXXX60 more days, they have till the end of the business day Monday to block the information that was submitted in my affidavit due to the fact that my affidavit was not rejected and the FTC states that if they did not reject it then they have 4 days to block the information. Equifax has 3 months so far to investigate and it is obvious that they have not followed the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: The Credit bureau name Transunion violating of FCRA  part (  A )  ( 5 )  ( B ) this item was deleted from my credit file in  XXXX   XXXX ,   XXXX    TU r eport number  XXXX , my dispute was in  XXXX    XXXX  . Transunion reinsert this removed item from my credit report without notifying me in writing withi n five  business days. which carries a fine of {$1000.00} Also The creditor respond to credit bureau after 30 days which violating FCRA sectio n 611 part ( A ) ( 1 ) whic h carries a fine of {$1000.00} I have a copy of my update credit report showing deleted from transunion.     XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  #  XXXX   XXXX , GA  XXXX  phone (  XXXX  )  XXXX  Account #  XXXX  results -- -- -Deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: I opened the checking account and the safe deposit box with Wells Fargo couple of months back. Wells Fargo did n't generated the documentation properly and missed the sign in sheet. When i went to open the safe deposit box for the first time i was told that sign in sheet was missing but i was was let in to open my safe deposit box and bank manager confirmed that he will get the sign in sheet generated very same day and i should not have any problem going forward. On XXXX XXXX i went again to open the safe deposit box and again i was told sign in sheet was missing again. I asked for the manager and he told me to generate sign in sheet again and it will take couple of hours as there are other people in line or come later to open your safe deposit box. As i was in hurry i decided to go back and make up my mind that i should close my checking account and safe deposit box with Wells Fargo. I went to the bank on XXXX XXXX and i asked them whether i will be getting my money back for the safe deposit box annual fee or not. I was told that i will be given prorated money back so i asked them to close the same. After i closed both the accounts i got the money from the checking account but not for the safe deposit box. I was told this ca n't be refunded. Person who told you was wrong and this is non refundable fee. I need my money back from wells fargo.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I closed on my CitiMortgage home loan in XXXX XXXX. In XX/XX/XXXX, I lost my job, and filed for bankruptcy in XXXX XXXX. I continued to make my mortgage payments. Since that time, I have been unable to access my loan online, create auto-payments, check my balance, escrow, etc. CitiMortgage regularly sends out someone to 'check occupancy ' and charges me for this. In XXXX XXXX, CitiMortgage notified my home owners insurance company that I no longer lived and the house was vacant. I have lived in my house continuously since the day I moved in, and I make my house payments. CitiMortgage sends me XXXX letters and XXXX envelopes a week. When I call to get this cleared up, I am told : 1. I owe thousands in fees and charges 2. No one can help me. 
3. I failed to 're-affirm the mortgage when my bankruptcy closed and the only way to do that now is to file bankruptcy again. ( I am financially solid now ) 4. My attorney tells me that CitiMortgage ( like XXXX -my auto loan company did ) was responsible for sending out the re-affirmation. 
I am caught in a viscous circle of everyone pointing fingers, charging me thousands in fees, sending me a demoralizing amount of mail all saying the same thing [ if you need help, call HUD. I do n't need help with paying my mortgage..I need help accessing my mortgage and getting the fees removed ]. I need help stopping the occupancy inspections and false notifications to my insurance company of abandonment. 
I want my mortgage cleared of all fines, and released to my access.

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 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was working a full time job and decided to start taking classes with money out of my own pockets. I called Navient to see if I could be placed on in school deferment, and was told I could. There was always an issue and I would get calls every once and awhile, but after I explained they would look into my account and would say I should n't have been called and its taken care of. A week before I finished my classes my department at work was outsourced and we were laid off after 6 years. I then called Navient to see were I could go from there and was informed that my particular loan could n't be put on complete deferment and I was suppose to make interest payments. The $ XXXX interest payment seems unduly harsh but I may have been able to struggle it although even while fully employed I still lived check to check scraping bills by, but to be told that I owe 4-5 months in back pay is impossible. This seems unexceptable due to the amount of conversations we had, and their lack of record keeping or knowledge of their systems, for them to not know about the loan they are instructing me on seems ridiculous. I attempted to file a complaint and they said they could do nothing and it was on me, and not their employees who were instructing me. I tried to keep filing more complaints, and was told a manager would call me to address my concerns, none did. I got the calls from the employees who knew nothing of my account just telling me I was past due by 4-5 months. They informed me they would not release to me the recorded calls of our conversation unless I legally got a supoena. This has tanked my credit and has effected me financially, as well as XXXX. When I was employed it was almost impossible to make all my loan payments because and they could n't do anything to lower it, now that my income is unemployment I ca n't pay them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Other fee

Complaint: I have maintained a Macy 's credit card for several years and pay the balance monthly. In the past 6 months, DSNB/CitiBank has been charging a {$1.00} 'Minimum Interest Charge ' each month, compounded, regardless of account balance. In other words, if I have not used the card and have XXXX balance, the fee is still charged each month. I pay any balance in full well before the payment due date and the fee is still charged. When I dispute the fee by calling DSNB, they immediately credit the fee. This is my inconvenience to wait on hold each month to correct DSNBs credit card add on fee. 
Admittedly, I have not audited my account over time to see when DSNB started this practice. The DSNB is charging this nominal credit card add on fee regardless of balance, which most will likely pay much less notice on their statement.

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