milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2017 about Bank account or service (Savings account) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TN).
Issue: Account opening, closing, or management

Complaint: Hello, My Mother and Father had a safe deposit box in both names they have both passed away mom in XXXX and dad in XXXX XXXX. This safe deposit box has unclaimed property in it and has been drilled emptied and is being held by the Bank ( First Tennessee ) I and my brother would like to enter the box and search solely for a Will or important papers for either parent. I and my brother should being the rightful heirs be allowed to search for a will we do not want to remove any property at this time but there could be a will or important papers in this box. I would like to access the contents under TCA 45-2-905 subsection ( c ) ( 2 ) which says " also provides that if there is no order of the court, the following individuals can get access for the sole purpose of searching for a will, burial instructions or life insurance policies.1 Spouse of decedent 2 Parent of decedent 3 Adult sibling of decedent " me '' These individuals can get access to these safe deposit boxes but only with bank personal present both bank official and individual who gets access to the box must record a written inventory all items found in the safety deposit box. 
I am willing to follow these rules and have given notice to the bank and provided all paper work why on earth would they deny my entry under these rules handed down. I just do n't see how that can be legal for them to deny me to view the contents for a will. I am looking solely for a will or instruction left by my parents on their last wishes and I am getting a little mad about the block being put on. 
Can you give me one reasonable explanation why they will not let me look for a will escorted by a bank official without a court order? Put yourself in my and my brothers shoes we are at a lose on why someone would not let us if we follow these rules. It would be the morally right thing to do would you not think???? Please advice me on my next steps to gain access. The box has been drilled and contents being held. I can and will get a court order if you can not help but an explanation to why would help my mental state of mind on this. The bank is First Tennessee on XXXX XXXX TN. If you are not who I need to talk too maybe you can forward this to someone that can help us. Thanks Since this email was sent I have hired a lawyer and I will get a court order I just want an answer as to why we are being denied access. Any help we can get would be great lawyers are sometimes slow I was told to get help here by the unclaimed property department in my state. I am very upset and struggling with this greatly?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2018 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Dear Consumer Financial, I would like to discuss about paid bill from {$23000.00} to {$1300.00} to Santander Consumer USA comapny. Please check again fix to repair credit on XXXX, XXXX, and XXXX. Thank you. I hope you doing well and Happy new Year! 

Best Regard, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Transaction issue

Complaint: Capital One Bank issued a XXXX for XX/XX/XXXX for credit card debt from XX/XX/XXXX. According to Capital One's credit card agreements, the agreement is governed by the laws XXXX. According to XXXX law, the statute of limitations for credit card debt collections is XXXX years. Additionally, the statute of limitations of XXXX my residence, is also XXXX years.
XXXX requirements specify that a debt be written off as soon as determined to be uncollectible. By definition, the expiration of the statute of limitations for collection defines a debt as uncollectible. Capital One Bank is subject to XXXX requirements.
Capital One Bank was required to write the debt off not later than XX/XX/XXXX or XX/XX/XXXX and IRS regulations require that a XXXX be issued in the year of the transaction, not at the convenience of Capital One. Capital One Bank has fraudulently issued a false XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I am a XXXX veteran on a fixed income. I have a mortgage which is owned by Nationstar mortgage of XXXX, TX. I have paid the original mortgage amount down from {$100.00}, XXXX to {$85000.00}. I have requested the removal of the current monthly PMI amount up to of {$47.00} from my payments. Well, they are requiring my signing of a formatted letter generated by Nationstar mortgage that states that I will be charged up to {$600.00} for an appraisal that they will acquire. Well, from my understanding of XXXX once the mortgage balance reaches the amount of 20 % been paid off that the mortgage company was obligated to drop the PMI. My mortgage is well past that point but they refuse to cancel the PMI. The following is applicable info : :Mortgage Company : Nation Star Mortgage Phone # XXXX or XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX, XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (FHA mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: On Monday, XX/XX/XXXX, I rec 'd a notice from XXXX XXXX, XXXX, Senior VP, HSBC/XXXX. XXXX XXXX XXXX ( postmarked XX/XX/XXXX ) indicating that HSBC was changing my mortgage home loan servicer. They further indicated that " HSBC '' will stop accepting payments on XX/XX/2016, and that XX/XX/XXXX payments should be sent to XXXX XXXX, XXXX XXXX XXXX 
While the notice stated that " The most important thing that will change are your mortgage home loan number and where to send ... monthly payments, '' no new loan number was provided. 
XXXX has NOT sent out a new XX/XX/XXXX statement. 
I consider this very shoddy -- not to mention abrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I never heard back from them

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 04/27/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Original Servicer for my Mortgage was XXXX XXXX XXXX who went bankrupt and sold my loan to XXXX XXXX, then sold to XXXX ( XXXX ), who stated during the time of the loan, there had been no payments for the past 389 days. In the mist of resolving the problem ( during my own investigation, retrieving documents from XXXX XXXX verified since all payments were sent by US Mail, because checks were not permitted while in Chapter XXXX. XXXX sold the loan once again to Seterus and added {$25000.00} to the loan. Home purchased at $ XXXX on XXXX XXXX XXXX. While in Chapter XXXX, since XXXX fees were assessed, cost of misc issues assessed. I have a copy of the letter sent to me from XXXX XXXX stating the monies sent to XXXX XXXX for payment of mortgage. I was not sure where to start here but I knew as soon as my BK was cleared I could take some kind of action. I could not afford a Lawyer because all my funds were accounted for. During this time I had to file BK to save my home, we have been in the home for 8 years. Seterus offered me a modification at {$44.00} less than my original payment of {$1700.00} which did not help after 6 months to process. They offered me nothing at this point accept for the XXXX options : Deed in Lieu, Short Sale, or Foreclosure. I have opted to use the Deed in Lieu, which was the only viable option and protect my credit from further damage. In XXXX became XXXX and had to retire from my job which was a lost of $ XXXX a year. This is just the nuts and bolts of this claim and this has had a detrimental effect on my wife and I, who is XXXX as well. I asked for a VA Loan since I am a XXXX year Veteran and they gave me the rules in spite of this gross error in accounting and servicing of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Advertising and marketing

Complaint: Wells Fargo is having a representative with a furniture company who is misrepresenting the terms of the finance agreement. We were told the terms were no interest for one year and after a year interest on the remaining balance. So after a year we were charged interest on the balance we had already paid. I am sure it is in the small print, but how can they have a third party define the terms when they benefit from the purchase.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent TransUnion a letter ( letter attached ) requesting the investigation procedure for several different items which are listed in the attached letter and below. TransUnion received this letter on XXXX/XXXX/2015 ( delivery confirmation attached ). It has now passed the 15 day time limit for them to have provided the procedure. They are now in NON COMPLIANCE. Please see FCRA laws below. 
Items requested for Investigation Procedure:XXXX XXXX Collections Account # : XXXX. XXXX Collections Account # : XXXXAccording to FCRA XXXX XXXX XXXX XXXX sub-paragraph ( a ) ( XXXX ) : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

Noncompliance- FCRA XXXX XXXX XXXX XXXX Sub-paragraph ( a ) XXXX ( A ) : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Credit decision / Underwriting

Complaint: NationStar, the mortgage company that services my mortgage regularly solicits me to refinance my mortgage even though I refinanced about a year and a half ago, and am satisfied with my rate and payment term. I also regularly receive solicitations from them through the mail. I despise the use of phone solicitations and feel it is an invasion of my privacy. It is also a disservice to me as a customer to continue to ask me about refinancing when I have a strong deal already. All refinancing options have thousands of dollars in cost to the borrower financed or otherwise. It is not my best interests you are after and it makes me feel sad for your phone reps reading a terribly awkward script. Congrats on emerging from the mortgage crisis as a major mortgage servicing company. If I had my choice, my mortgage would stay with the company I originated it with and then I could deal with local people I know and who actually care about my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Mortgage (Conventional fixed mortgage) with Nationwide Biweekly Administration, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my home in XXXX of 2014 and ended up with a mortgage from XXXX. Immediately after re-financing, I was contacted by Nationwide Biweekly Administration , Inc. There literature promised savings by paying bi-weekly. I called them and discussed it with them. They gave me the impression that they were working for my mortgage company, XXXX. I enrolled in the program, all the while, thinking they were a part of my bank. Last week I got several e-mails announcing that my enrollment in the program was " suspended. '' I have tried calling and e-mailing them and have received no response. After some research, I discover they are not only not affiliated with my bank, but they have been skimming money off the top of all my payments. I feel ripped off.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, Recently my FHA loan was transferred to LoanCare, XXXX from XXXX XXXX XXXX in XXXX of XXXX. It appears that they are trying to illegally obtain additional escrow " padding '' payments. It is my understanding that only XXXX of the total anticipated annual disbursements are able to be required by the lender as a cushion at the beginning of the year before escrow payments are made throughout the year. Which in my case would be an {$800.00} cushion as I have {$4800.00} in total yearly disbursements. 

On XXXX XXXX XXXX I received an annual escrow account statement telling me that I have an escrow shortage and telling me that I need to add an additional {$390.00} to my monthly escrow payment to make up the shortage even though I have {$860.00} currently in my account. This would bring my total monthly escrow payment to about $ XXXX/mo. Which would result in over {$8800.00} at the end of XXXX when you add in my current balance. It appears that they are requiring me to keep a full 12 month cushion in the account instead of the maximum federal law requirement of XXXX of my total yearly disbursements as previously stated above. 

Under XXXX XXXX XXXX my monthly payment was XXXX and nothing has changed in terms of my yearly escrow disbursements. Under LoanCare they are increasing my monthly payment to XXXX to make up for what they are calling an escrow shortage which is clearly unlawful since it is requiring far more than a 2 month padding for the year. 

I have contacted LoanCare multiple times and they are unwilling to resolve the issue and keep saying I have an escrow shortage. Please advise on how to resolve this problem Thank you 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 08-09-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Closing/Cancelling account

Complaint: Capital One refuses to issue credit balance refund of over {$1800.00}. They stole my money fir nearly one year. They keep making excuses for stealing my money. Ive provided them with identity proof with my id and social security card but they still wont send. My utility bill is in my roommates name so I cant give cap one that.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WORLD ACCEPTANCE CORPORATION (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have made numerous attempts requesting tje validation of debt. I have requested on writing to the collection company and to the credit bureaus to provide me with a detailed breakdown of what I allegedly owed. I was not given enough information to validate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Medical) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: First, I never received a bill from XXXX. I received and paid both XXXX Hospital bills but this other organization never contacted me. In fact, I was not aware of any charges until they appeared on my credit report. After SEVERAL attempts over nearly XXXX years to correct the amount charged by sending an XXXX, still no change has been made. My XXXX shows the amount to be paid should be {$260.00} but the amount from collections is over {$900.00}. The smaller claim has been corrected from {$400.00} to {$86.00} but I am not willing to pay this company until all charges are correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: To whom it may concern : Years ago, I was a customer at Wachovia Bank, where I received free checking because I had a required balance in the account. Wells Fargo bought over Wachovia, and I was told I was grandfathered in for free checking. Recently they charged me for free checking, although my account has more money than I transferred. 

I believe this is illegal and unfair. Please help me. 

Thank you.

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: when i applied for a truck loan in 2016, when they ran my credit, none of my creditors showed up on my report except for 1 account that had already been closed. i ordered my free credit report and upon receiving it in the mail, it has none of my creditors on it. i called them to file a complaint and they said to call the companies to see if they were reporting to the agency. i did that and was told they are reporting as always. yet still after a year of trying to get to the bottom of this it, my credit report is still BLANK. No one is able to help me, I've called numerous people for help and am getting no where. 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 03/27/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX/XXXX/XX/XX/XXXX In XXXX of XX/XX/XXXX my wife passed away, she was a major financial contributor. We had to boys XXXX and XXXX. XXXX was XXXX months from XXXX an expensive private high school. XXXX was XXXX going to college in XXXX XXXX. I 'm a Florida XXXX with XXXX XXXX County. While doing a job at XXXX XXXX XXXX I received notification that I had been suspended from the contract for alleged breach of contract. This was untrue but it took me approximately six months to convince the county of this, I suffered the losses. The very next project after this was a job with XXXX XXXX XXXX and XXXX. I received notification from them that my contract had been " terminated for cause ''. Again not so. It took me three years of litigation to collect money due and payable. So this is when I opted for the Pick A Payment Mortgage. 
After the problems with XXXX XXXX XXXX I decided to seek and contract with private owners only, This was working out right up until real estate bust and should add caused in total by the banking industry. 
I have scanned and downloaded the mortgage documents. The XXXX issue is they do n't have my name collect, the XXXX issue is they do n't have my Social Security number right and when I call them to try to work something out they refuse to talk to me. The XXXX issue is that when this mess began happening I hired an attorney, with the intent of being granted a loan modification. The last telephone conversation I had with him I was told that Wells Fargo refused to modify the loan. Recently I am told when a bank refuses to modify they must provide a reason. I was never given this. At this time the property scheduled for sale on XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (GA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Synchrony Bank called my husband about our payment ( even though the account is in my maiden name and was started before we were married ) because we missed our XXXX payment and our XXXX payment was coming due soon. Our XXXX payment was missed because we did not receive a bill. My husband asks the representative if he can make a payment of {$2000.00} on his debit card. The man then takes his payment information and processes it. He tells my husband it went through then asks him to hold for just a moment. He comes back after a few minutes to say that he is now unable to process a card ( after he already said it was approved ) and asked for a routing/ checking number. That evening, we checked our account and it showed {$2000.00} pending. We called and they said there was nothing showing on their side but that the transaction had been ran and then immediately cancelled and he didn't know why, but it would be back in our account in 5-7 days. I asked if they could either push back our due date ( since all of our money was now in limbo ) or not charge us interest until we were able to make our intended payment of {$2000.00} ( so that the interest wouldn't be charged on a MUCH higher amount ). He refused to help me on either and said that I needed to find a way to make a minimum payment so that it wouldn't be reported on my credit. He also said they'd open a complaint to have the recorded call pulled to investigate what happened and that they'd be back with me in 2-3 days. That was on Thursday and its now Tuesday ( 6 days ). We called back this evening and there is no record of our last call or our complaint and the {$2000.00} is still pending on our 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 monetary relief
Consumer complaint received 02/15/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent numerous emails pertaining to a Timeshare that I did not sign up for, I believe an ex-friend of mine, used my ID an obtained this credit along with other creditors. I have submitted my ID, Social Security Card to prove that is not me and to the creditors but to no avail. I would like to get this handled and removed off of my credit.

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