milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (WA).
Issue: Struggling to pay mortgage

Complaint: We have short sale approval with US Bank that was good through XX/XX/XXXX. I found out that the buyer 's needed to receive their first month social security deposit to meet a funding condition and would not be able to close until XX/XX/XXXX. I was told by the negotiator on XX/XX/XXXX that the extension through XX/XX/XXXX would be allowed. However, I found out yesterday that he can not issue the extension because the foreclosure date is set for XX/XX/XXXX and US Bank is refusing to postpone the sale date. The buyers are already DEEPLY invested with the closing process include spent hundreds of dollars on appraisal and inspection and US Bank is being completely unreasonable especially after the fact they said an extension though XX/XX/XXXX would be allowed.

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 01/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Synovus Bank (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I applied for a XXXX XXXX Platinum secured credit card issued by Synovus Bank and, upon approval, transferred {$1000.00} from my checking account. The credit card account was opened on XX/XX/XXXX but I did not receive my card until XX/XX/XXXX. During that period I called the card issuer 's customer service upwards of 20 times only to be told over and over that the card is in the mail. Once the card arrived and my first purchase attempt was declined, I contacted the issuer and was told by three different customer service representatives that I had to pay the {$49.00} annual fee before being able to use the card. Despite the fact that the issuer has been in possession of my money, interest free, for over two months and that, by their own admission, I had no possession of and therefore no ability to use the card during this period, my account was blocked citing past due payment. The manager whom I spoke to, XXXX XXXX XXXX, refused to give me any options other than closing my account and receiving a refund within 10 weeks (! ), and shortly thereafter hung up the phone. I find this to be a gross violation of good faith and fair dealing standards at best, and fraud and extortion at worst. I am turning to CFPB for protection of my rights as well as those of other consumers who fall prey to these deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Trouble during payment process

Complaint: THIS IS REGARDING LOAN NUMBER XXXX WITH XXXX XXXX. 
OCWEN MORTGAGE IS A PREDATORY AND DISHONEST MORTGAGE LOAN SERVICING COMPANY THAT PURCHASED THIS LOAN FROM GMAC MORTGAGE. 
IN THE MONTH OF XXXX 2017 I MADE 4 PRINCIPLE PAYMENT TO THIS LOAN IN ADDITION TO THE REGULAR MONTHLY. THEY EQUALED {$10000.00}. 
IN XXXX I MADE 2 ADDITIONAL PAYMENTS TO PRINCIPLE OF {$1100.00} FOR A TOTAL OF {$2500.00}. THESE PAYMENTS WERE MADE ON OCWENS CONSUMER WEBSITE AND WERE ALL DESIGNATED AS PRINCIPLE ONLY. 
THEY HAVE NOT BEEN APPLIED PROPERLY AND OCWEN HAS NOT REDUCED MY MORTGAGE PRINCIPLE BALANCE TO THE CORRECT AMOUNT EFFECTIVE AS OF TODAY. XXXX IS A PREDATORY MORTGAGE SERVICE CO MAMGED BY THIEVES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent in disputes regarding inaccurate account information almost two or three weeks ago, and did n't receive a response regarding inquiries or accounts that were removed from my credit report. I called Equifax and I was told that they were n't going to remove the inquiries that were n't authorized. I did n't receive any notification regarding the accounts that were disputed either.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: It has been 6 month since I contacted Wells Fargo Bank to resolve their unfair credit reporting in XX/XX/XXXX on an account which should had been closed since XX/XX/XXXX. I has been stressful holiday season for my family since I am not able to get a loan to buy a home due to stamen placed on my credit report by Wells Fargo bank. For the last 6 month Welles Fargo bank has been going around in a circle not answering my questions and asking for more time to investigate. Each agent I am getting over the phone giving me different answer. Here is the complaints. 

1- I had a home located at XXXX XXXX XXXX XXXX XXXX CA XXXX. The mortgage on the home was with XXXX. I had sold the home on XXXX. ( attached is document of sale ) 2- Wells Fargo Bank reported me to the credit bureau on XX/XX/XXXX that the home located at XXXX XXXX XXXX XXXX started on foreclosure which was not completed and claims that the home was still under my name in XX/XX/XXXX despite off providing Wells Fargo bank with all document that I had sold the home in XX/XX/XXXX and I had nothing to do with the home in XX/XX/XXXX. 
3- Wells Fargo back mailed me a letter indicating that the Mortgage was paid off in XX/XX/XXXX and the home line of credit balance at the time of sale was XXXX. Still Wells Fargo Bank refusing to correct false report to Credit Bureau. 
4- My questions to Wells Fargo Bank are : a ) How I can be reported as the owner of a home in XX/XX/XXXX with all clear evidence that I sold the home in XX/XX/XXXX? 
b ) How I can be reported as " foreclosure started but not completed '' for a home I did not own c ) Wells Fargo aware that the title company cleared this issue with them on behalf of the home current owner in XX/XX/XXXX not on my behalf. 
d ) There is no way I can be reported to credit bureau for a foreclosure for a property I did not own at the time of foreclosure. If there is any law indicate that I can be reported for foreclosure for a property I did not own I want to see this law. 

What Wells Fargo Bank is doing with me is unethical and unfair. It has been stressful 6 month trying to resolve this issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I requested my credit file on XXXX XXXX, 2017 and found several mistakes. Some of which I was unable to dispute online because there is no option. 1. My employment information had n't been updated in 3 years. 2. None of my previous employment was listed except for 1 item. It shows that I only had 1 job. 3. My current and prevous address are mismatched. There is no way to request a dispute for that to correct it. 4. Items that are paid as agreed with no past due or {$0.00} balance are listed as negative and not paid as agreed. Again another item for which there is n't a good way to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (NJ).
Issue: Managing the loan or lease

Complaint: In XXXX I inadvertently paid one of the two car loans that Ihave with Hyundai XXXX. When I discovered the error in XXXX, Icontacted then and requested a one month extension for theloan I paid XXXX in an effort to pay the loan that I missed in error. 
They agreed and said they would send me confirmation. I receivedthe confirmation XXXX/XXXX/15 and I received a collection call that day. 
I explained to the rep that I had just received the letter andwould fax it in Monday. He informed me that I had to send itright back or it would n't be enforced and that I could n't do it beforeMonday because that particular office was not open on theweekends. I agreed and he indicated he would not it on my account. 
Every subsequent day after that I received abusive calls about thesame thing. I told them that I had already spoken to themseveral times and did n't need to be reminded every minutethat I had to send the paperwork. My bother passed away andwe were taking care of family business during these harrassingccalls. It was not necessary and I take issue with be harassedso vigorously. Prior to my error, I paid my bill EVERY month. 
Not to mention, this account is not even XXXX days past due. I amvery upset and feel they should be held financially liable. I wantthem to have to recind the entire amount of the loan. I recognize t that they have to protect their interest, but I have to protectmy sanity. They were totally out of line and this shouldbe made an example of waiting a few days to see ifI do n't live up to my obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (LA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: This complaint is in regards to denied Price Match Benefits offered by CitiBank to its Credit Card customers. On XX/XX/XXXX, I was denied the Price Match Benefit that I believe should have applied to 3 electronic items that I purchased on XX/XX/XXXX with my Citi Double Cash MasterCard. I purchased each of the three items ( XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX ) at {$240.00} plus tax at XXXX. The price that XXXX published and advertised on their own website two days later was {$150.00}, which is {$97.00} lower than my purchased price per item. As per the Terms and Conditions of the Citi Price Rewind Benefit, in order for this benefit to apply, a customer must provide to Citi a proof of a lower price, which " must be published on an online retail site or in a printed or online newspaper, magazine, store circular or catalog. '' On XX/XX/XXXX, I promptly submitted to Citi in an email a proof of the published price on XXXX 's own website, XXXX, of this same item advertised at {$150.00}. In addition, I also submitted the XXXX XXXX Form along with all the other required supplemental materials. I received a case number and subsequently my claims were denied. The reason cited for the denial of these 3 claims ( Claim Numbers : XXXX, XXXX, XXXX ) was : " Ad not sufficient. Your claim is denied because per the Terms and Conditions, the lower price must be published on an online retail site or in a printed or online newspaper, magazine, store circular or catalog. The item you reported was not advertised at a lower price through one of these methods. Thus, the item is not eligible for reimbursement. '' Clearly, Citi is trying to avoid satisfying their own promised benefits, which is a big disappointment to me as a long-time loyal customer. I hope that with the help of CFPB, Citi will make this right with me. Attaching all submitted materials plus the denial letters. <P/>Thank you for your attention to this matter!

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 06/14/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (IL).
Issue: Struggling to pay mortgage

Complaint: Dear Sir or Madam, My name is  XXXX   XXXX . My hardship began when my children 's father walked out on me.I was unemployed and my left with all the bills and with the sole provision of my  XXXX  children. I worked part time meanwhile I searched for a full time job with flexible hours. I did not waste any time with my mortgage company, I faxed over a home affordable packet to be reviewed for a modification. Long story short I was denied various times due to not enough income to the point where I rented out a room for extra income and still it was not enough for them.  XXXX  of  2017  I finally landed a full time, well paid job with flexible hours.I make {$2600.00} monthly now and I was confident I would qualify for a modification but yet again I was denied because my loan was sold to a new investor and I was mailed out a letter informing me of this. Attached is the letter. I was notified yesterday  XXXX / XXXX / 17 , by  XXXX   XXXX , accou nt manager from Fay Servicing, that I was  approved for a short sale and he said I had until  XXXX / XXXX /   17  to decide if I want to go through with a short sale or else I would be foreclosed on with a sale date within 30 days. I did not apply for a short sale, I want a loan modification. I asked about the new investor on my loan and he said t hat Fay Servicing bought my   loan back. If they bought my loan back, then why are they not reviewing me for a loan modification? My home is severely under water!   Attached is the letter  XXXX  sent about the short sale. All of this is very confusing and all they have said to me is very contradicting! I do not want to lose my home, it is all my children and I have. I struggled so much to keep my home and now that I am financially s table, Fay Servicing will not work with me. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Mortgage (Conventional home mortgage) with Seterus, Inc. (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XX/XX/2015 my x husband forged a 7 page document requesting information about my credit and to be sent to him. The signature of my name did not match the original loan papers so they did not send the information requested. It was stated like it was me requesting the information but it was not me, luckily they noticed that it was not my signature. They sent a letter to the house address and to my temp address. I called immediately. They stated that a request was also sent for a loan modification with his signature and my name.. But again my signature did not match the original loan papers, his did match. So mine was forged. I have been requesting these documents and they keep saying they are sending them but it has been 2 years and still have not sent them to me and I need them for court next week, I am going to have my lawyer contact them.I also filed a police report but they had to wait for the documents to be faxed. But who knows. We are divorced and the judge stated that either I can refinance the house or it needs to be sold. Also I got a {$22000.00} gift of equity from my parents because it is my childhood home bought from my parents. Also the equity loan seems like its balance is higher then it was before so I don't know if something happen like he got more money. But my name was forged and attempted to get information and a loan. I have done everything but no one is doing anything about it. And that is wrong.

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 06/17/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: My bank , Wells Fargo,  is failing to update another payment service,  XXXX , I use that I have connected to the aforementioned  Wells Fargo  account. The service  XXXX  is an app that allows  one  to access part or all of their next check a pay period earlier but they base the amount and frequency of of the reporting from whatever banking institution you have. This means if your bank fails to report balances and direct deposits posting in a reasonably timely manner you could end up suffering.  Wells Fargo ne eds to do a better job at updating their servers and reporting to these external financial institutions. This is no where near the first time I 've had to encounter this. This is just the first time it has inconvenienced me to the point of feeling the need to file a complaint.

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 06/16/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Taking out the loan or lease

Complaint: In XXXX 1999, I bought a 1999 XXXX XXXX with a loan from XXXX XXXX XXXX, then headquartered in the state of XXXX. I paid off the loan a few years ago, receiving a title of the car a few years ago. Unfortunately, I lost that title, going to apply for a copy of the title last week. However, according to my state 's ( XXXX ) Bureau of Motor Vehicles ( BMV ), the lien on the car was NEVER released by XXXX. Hence, unless I brought that lien-release document, I will not be able to get a copy of my lost car title. Therefore, I XXXX the Internet, finding out that XXXX has been purchased by Capital One Bank, headquartered at XXXX. I called the number indicated, speaking with a man, who, after listening to the reason for my call, transferred me to speak with the Department in charge of handling my case, namely, CUSTOMER SERVICE, and I was provided a menu of items to select. I picked the item, namely, " Car Title, '' being asked to provide my social-security number, as well as my date of birth. After doing so, I heard : " Good-bye, '' nothing coming out of that transferred call. I called the headquarters ' phone number again, and, at that time, a lady answered. After I had told her the reason for my call, she asked me to hold on to be transferred to a Department, namely, RECOVERY, which was different from the one previously indicated by the man, with whom I had earlier spoken. After hearing a menu of items, I picked the one I needed : Car Title. When I heard the same FIRST command, namely, " State your social-security number, '' I immediately hang up, calling the Federal Reserve Consumer Office. The first person I spoke with gave me the ( phone ) number of the Federal Deposit Insurance Corporation ( FDIC ), and I called and spoke with a man, who indicated that the office handles only Lien Releases of banks, not financial institutions, asking me to call the California Secretary of State to resolve my problem. Bypassing that suggestion, I called the Federal Reserve Consumer Office again, this time, being asked to call the CFPB, which, finally, through a male employee, suggested I provide my complaint either via ( 1 ) its completed paperwork ( which would take 10 working days to receive from it and, submit with it, pertinent documents ) or ( 2 ) on-line, which I chose, leading to the statement I have written here. I hope that the CFPB will help resolve this most frustrating ordeal, which Capital One Bank, after receiving and recording people 's ( 1 ) social-security numbers and ( 2 ) dates of birth, ends their ( people 's ) calls.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Bank  of America  offfered free checking because they were my mortgage servicer so I opened an acoount. Bank  of America tran sferred my mortgage to a new servicer on their own and breached the account terms and now illegally charge me {$25.00} for my account which should be free. Also, they charged me {$35.00} overdraft this month because the illegal monthly fee they charge me made my account go negative and they refuse to stop the monthly fee or refund the {$35.00} overdraft. I have also incurred expenses since they switched my mortgage servicer since I have to send the payment each month with tracking to Texas instead of just going into a Ban k of America branc h.

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 01-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing statement

Complaint: I keep getting harassing statement 's in the mail, from XXXX, and Capitol One card 's. They wo n't quit harassing me. I want them to quit harassing me. I wrote them decease and dessist letter 's and told them which chapter 's I am filing and talked to a XXXX XXXX, he is a lawyer. He said they can not touch my financial money I get from the Government. Now I am going to get a free consultation from a XXXX XXXX up in XXXX, but have to call him tommorow. I am going to see what my right 's are and try to file bankruptcy. If you could please get these people off of my back I would appreciate it. I am sending you a letter and some info about their companies! Please call them and tell them to quit sending me statement, that I only get {$10000.00} a year approximately. I can not afford to pay them, they should have known better than to give a Mental Patient money. Especially when I told them i get SSI, and, XXXX, and Housing and urban development, and food stamps. I am poor and can not afford to pay them back. I am pleading bankruptcy, and seeing a lawyer about it. I have to see a XXXX. Please tell them to quit sending me statements and tell them to quit harassing me. Thank You! XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: To whom it may concern : I am writing to correct/update my address. My current address is:XXXX XXXX XXXX XXXX , XXXX # XXXX, XXXX , CA XXXXI also needed to correct/update my place of employment : XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX , in XXXX , CA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2015, my wife attempted to deposit {$1800.00} cash, XXXX XXXX XXXX dollar bills, XXXX XXXX, XXXX XXXX, and XXXX dollar, into my Bank of America checking account by using my debit card at the ATM machine located inside of the bank. The ATM machine malfunctioned and only credited {$300.00} of my attempted deposit. The receipt stated " Sorry, some of your items could not be processed or returned. Please contact your financial institution. '' I contacted the electronics claim department of my financial institution to place a claim. XXXX separate claims were made. claim number : XXXX represents the {$1500.00}. There was a temporary credit to my bank account of {$1500.00}. This credit was reversed on XXXX XXXX, 2015 because they did not locate any additional cash for this transaction thus closing closing this dispute. They also credited on XXXX XXXX, 2015 the {$31.00} from claim number : XXXX and determined that this claim was resolved and the current status was claim paid. I am disputing the final decision on claim number : XXXX and ask for your office to further investigate what happened to my deposit. I am attempting to forward to you the documentation the bank provided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief