milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2016 about Debt collection (Medical) with N.A.R., Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a letter with Texas State guidelines for debt validation and received no response. I contacted XXXX and reminded them that the FCRA states that all debts that have n't been properly validated must be removed from the report until the debt can legally be verified. XXXX has continued to willfully violate the FCRA by reporting this debt without proper validation. North American Recovery also continues to violate the FCRA for not validating the debt as per Texas XXXX Code by providing the documentation that is required by Texas law. I sent them a copy of the criteria and they are willful non compliance with the FCRA as well.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (NY).
Issue: Problems when you are unable to pay

Complaint: My issues begin from the beginning of the loan when I was told that the amount I was financed and the blue book value of the car was to much. I tried and make the payments but due to financial difficulties beyond my control I was making them but not on time. I also lost my insurance and in my state you must have insurance on a registered vechicle at all times. This caused me to be sanctioned by the state and the penalty was to pay a fine and a hold on the license for a certain time frame. I put the car in a parking garage in my area to avoid and tickets so on. The parking garage was expensive and then I also fell behind with them. I am a new tenant in my apartment and the neighborhood and did not receive no mail for about one month before I went to the landlord and post office. In the meantime to parking garage contacte Consumer Portfolio and they gave me less than 2 weeks to come up with this large amount of mone and the car was picked up by another state. I had no way of getting the money or no way to reach the car. I was informed that the car is going to an auction and them I will be reported to the credit bureaus in my state. I would like to find out how I can get them reported for all the XXXX this has caused with the phone calls and letters and the no responce calls I made to them. I do n't need this on my credit report, I just want to put this behind me and move on with my life. I am employed and have been for quite some time on my job and would not like this to cause me to lose my job. I work for a law firm in my state and would not like to have my reputation tarnished by a corrupt company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Mortgage (Conventional fixed mortgage) with NETWORK CAPITAL FUNDING CORP (CA).
Issue: Application, originator, mortgage broker

Complaint: Hi, my name is XXXX XXXX and I would like to file a complaint on Capital Network Funding in XXXX, CA. About a week ago i had submitted documentation regarding to a mortgage refinancing with today 's low 30 years fixed interest rate thru this mortgage lender. First I was approved base on documents i had submitted to the lender which includes income from XXXX for XXXX, our XXXX month worth of paystubs from our employer prior to family leave, XXXX 's for XX/XX/XXXX and XX/XX/XXXX, and XXXX months worth of bank statements and I also signed the initial disclosures package from the lender. A day or XXXX days after i submitted these documents needed from the lender, I received a phone call and an email stating that my wife and I are not approved due to our supplement income from family leave and the mortgage company will not proceed unless my wife and I are fully back to work with verifiable income from our employer. The cause is for us to go back to work and cut our family leave time short in order to get an approval and proceed with the loan. 

Below is a copy of the email from the mortgage company statingDate : XX/XX/XXXX XXXX XXXX ( XXXX ) To : " XXXXXXXXXXXX ' '' & lt ; XXXXXXXXXXXX & XXXX ; Cc : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; Subject : RE : Your Loan Proposal- Network CapitalXXXX. XXXX, I have your file ready to go to underwriting, but I need you to return to work ASAP to use your income to qualify for the loan. 

Please advise when this can occur so we can secure the rate lock. The rate will not be locked nor can I honor the exception until I have a WVOE or assurance that you have returned to work. 

Let me know when this can occur. 

Thank you. 


Sincerely, XXXX XXXXManager | Direct LendingPlease see below press release XX/XX/XXXX if I may fall into the same category and advise what I should do. 

HUD No. XXXX XXXX ( XXXX ) XXXX XXXX FOR RELEASETuesdayXXXX XX/XX/XXXXHUD SETTLES DISCRIMINATION CLAIM AGAINST CALIFORNIA MORTGAGE LENDER ALLEGING IT DENIED LOANS TO WOMEN ON MATERNITY LEAVEWASHINGTON - The U.S. Department of Housing and Urban Development ( HUD ) announced today that XXXX, CA based mortgage lender XXXX XXXX XXXX will pay {$48000.00} to settle allegations that it violated the Fair Housing Act when it denied or delayed mortgage loans to women because they were on XXXX. 


Sincerely, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I tried disputing incorrect information on my credit report from addresses that do not belong to me that are linked to accounts that do not belong to me and the results came back from the investigation stating the account has been updated. I tired calling in several times but still no luck. I told them that I am a victim of identity theft.

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 03-12-2017 about Debt collection (Medical) with Dynamic Recovery Solutions, LLC (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/XXXX, I received a letter attempting to collect for a hospital visit on XX/XX/XXXX. The only information provided was that the amount is {$420.00}. I do not owe on any hospital bills, nor did I go to a XXXX XXXX XXXX hospital on that date. Also of concern is that Nevada Statute of Limitations does not permit collection on debt that is 10 years old, let alone debt that is not verified or owed. 

The company is falsely representing that I owe money and did not verify any necessary information, and is not adhering to Nevada FDCP.

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 06/25/2015 about Credit card () with DISCOVER BANK (NY).
Issue: Delinquent account

Complaint: I went into a debt collection program in XXXX and had settled all my obligations by XXXX. I am trying to refinance my mortgage to gain a lower rate. On my recent credit report the bank noticed that I have a judgment issued on XXXX/XXXX/XXXX from my Discover card. On page XXXX of the credit report it states that there was a settlement. Payment was made and the account was closed. I need help removing the judgment from my credit report as it is no longer active. Thanks. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (PA).
Issue: Managing the loan or lease

Complaint: My complaint is against Wells Fargo Bank. In a letter ( see enclosed ) that I submitted to the Office of the Comptroller, the response from Wells Fargo was that they had difficulty with 3 payments in the course of two years. It states that XX/XX/2015 the monthly payment of {$210.00} was returned due to the wrong routing number provided. All three payments have been made, however, Wells continues to " pyramid late fee payments. '' Each payment is {$39.00}. They are now stating that I owe {$600.00} in late fees because they keep adding as they go along. I only owe XXXX late fees, totaling {$110.00}.

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 12/17/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I recently refinanced my mortgage with Chase. This took about four months. The process included many egregious mistakes on Chase 's part. I spent over two weeks dealing with a loan processor who could n't understand that she was looking at someone else 's file. They dragged out the process with numerous mistakes and miscommunications. This forced an extension of my rate lock ( which I warned them was going to happen ). Dealing with the underwriting department was a nightmare of incompetence and passive aggression. At the closing they insisted that I pay them {$3500.00} to extend the rate lock after earlier acknowledging that this extension was their fault. In addition, the attorney representing chase - XXXX XXXX - told me over three times that my first payment would be due on XX/XX/XXXX. At the closing this was completely revoked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/22/2015 about Debt collection (Credit card) with D&A Services, LLC (NE).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: The debt collection agency listed below continues to contact consumer after being told to 'cease ' contact : D & A Services , LLC . 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXXToll Free : XXXXXXXXFax : XXXXXXXXE-mail : XXXXXXXXCollections : XXXXXXXXSales Contact : XXXXXXXXSales Email : XXXXXXXXComplaint Resolution : XXXXXXXXXXXX XXXX, TXToll Free : XXXXXXXXEmail : XXXXXXXXThe debt collection agency continues to contact consumer ( acct # : XXXX - XXXX XXXX XXXX ) who disputes owing the collection agency a debt. The consumer continues to receive letters from the aforementioned debt collection agency after notifying the agency ( in writing ) to cease and desist contact. Consumer wishes D & A Services to 'cease ' all contact with consumer by mail and/or telephone after receipt of this dispute notification. Consumer does not owe a dept to D & A Services. Consumer has no fiduciary, contractual obligation to pay D & A Services anything. There is no payment history, nor products, or services that has been rendered to D & A Services because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to XXXX-party debt collectors. Furthermore, consumer 's sole income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act, ( SSA ). Consumer is head-of-household and possesses no property of value. Consumer refuses to be a victim of 'unjust enrichment, fraud or extortion '. Consumer wishes to thank the Consumer Financial Protection Bureau ( cfpb ) for providing a venue of mediation, documentation and governorship over debt collection agencies that are under the jurisdiction of the Federal Trades Commission ( FTC ) and the Fair Debt Collection Practices Act ( " FDCPA '' ). Again, thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (TX).
Issue: Trouble during payment process

Complaint: Fay Servicing LLC, is our current mortgage company, and is holding a flood loss check issued on XXXX/XXXX/XXXX in the amount of {$26000.00}. issued by XXXX XXXX. XXXX for losses sustained in Hurricane Harvey. Our home is in XXXX XXXX, TX. The check had been sent to them and after claiming they had not gotten it, we contacted the flood insurance company as to it 's whereabouts. We were again informed that the check had been mailed to Fay Servicing. Fay finally " found '' the check and mailed it to us for our endorsement. ( They over-nighted the check to the property address, requiring a signature, where no one was living due to damages. ) We returned the endorsed check to them on XXXX/XXXX/XXXX and they deposited the check to their account on XXXX/XXXX/XXXX. During this time, from XXXX/XXXX/XXXX, our initial contact, we have made numerous phone calls, emails and written communications explaining our need for the release of funds. We have signed and sent them the Homeowner 's Certificate of Intent to  Repair on XXXX/XXXX/XXXX, with the receipts of close to {$9000.00}. already spent on repairs. Fay had also requested a flood insurers inspection and estimate of loss from us. Due to the extensive damage, way above the insured amount, the flood insurance company did not give us a report. A letter was sent to Fay from the flood insurance company to that effect. As of this date we have not had an inspection on the property by Fay or any release of funds. Our account manager, XXXX XXXX, emailed us on XXXX/XXXX/XXXX stating that he had forwarded a request to the company 's loss draft department for expedited attention to our account.We replied to his email acknowledging his help but also stating we had already reached out to Texas State authorities. Our Attorney General 's Office advised us to file complaints with several different authorities which included this office. We also started a file with the XXXX XXXX XXXX XXXX set up for free financial help to Hurricane Harvey victims. We will be contacting other agencies today in hopes that they can help us in some way. Our son has borrowed funds to repair the home and has spent another {$5000.00} in materials and labor. We feel Fay Servicing LLC is attempting to keep the flood insurance proceeds to recoup their investment or at the very least to  collect interest on the amount. We only owe less than {$24000.00}. on the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit card () with U.S. BANCORP (NY).
Issue: Advertising and marketing

Complaint: US bank advertises offers for business credit cards on their website and other affiliate sites. On XXXX XXXX 2015 I applied for a business credit card and a week later I received a rejection noticed with the following cited as the cause : " Residence is outside of trade area ''. I contacted US Bank and inquired about what this meant, the representative said that it means they have no branches in this area. I asked why then I get offers from their bank mailed to me. The representative indicated, that if the application had been submitted in response to a " mailed offer '' they would have processed the application, but because I went on their website instead, the application had been rejected. 

I believe that the merchant 's practice is deceptive. When an application is completed on their website they collect ALL my information, including address and phone numbers. If as a bank they do not review applications from customers located outside a specific area, they should not be allowed to send their mailings to such area and they should not be collecting sensitive information without first ensuring the applicant can be serviced by them. ( all it takes is an address script to be ran on their website and for the first information data set to be the address ) Anyway, the public should know upfront if they have service area restrictions, instead of pretending they can serve all areas.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been led around by XXXX and Bank of NYork Mellon for eight full years while I tried to modify two loans : XXXX XXXX negative-arm loan on my home, the other a XXXX loan on a rental house. 
After eight years of this nonsensical routine of faxing hundreds of financial documents, jumping through every hoop, in time, facing foreclosure repeatedly, five times in a row it was even a wrongful foreclosure, I NEED HELP. 
I am now a XXXX. I need to be able to stay in my home. I need to preserve the savings I poured into the rental house. 
And I NEED TO BE HEARD

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 10-01-2016 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (AZ).
Issue: Account opening, closing, or management

Complaint: I tried opening a checking account with HSBC on XXXX XXXX 2016. Followed all the instructions and initiated opening balance of {$1500.00} to be deposited into that against my application id. Payment also went thru. After that i just keep on getting emails from HSBC - somebody sitting in XXXX asking me to send the driver 's license, utility bills etc ... all done within the next 3 days. So around XXXX XXXX 2016 - all the formalities were done. I just have my application id and nothing else from them. HSBC expect the customers to know about their secure messaging system to communicate with them which is quite a task also. 
Now after the wait of more than 2 weeks ( when i did n't got any email or communication in terms of what happened to my account and the deposit ) -i called them up. They asked me to call to their call customer in some peculiar time zone ... i called ... they were totally clueless why my account is not created and what all is needed from their side. In spite of providing all the documents in time and doing all sort of follow up - i have no idea where i am in this account opening process? What happened to my deposit also? Moreover i opened this account with the promotion code ... i need to have direct deposits within 120 days ... if this is the pace HSBC work - then definitely i will miss my promotion also ... .most importantly why they are troubling the customer so much in terms of account opening process?

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Debt collection (Credit card debt) with ARS National Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid for the purchase and balance of {$15.00} in XXXX XXXX. 

XXXX XXXX, XXXX did NOT credit my payment and charged late fee of {$29.00} I called and was told PAYMENT would be credited to account and late fee waived. 

I continued to receive statements showing more LATE FEES of {$39.00}, {$39.00}, {$39.00}, {$40.00}, and {$41.00} until the balance is at {$280.00}. 

XXXX 's charged off and sent debt to collection agency ARS. 

I have faxed to XXXX 's on XXXX XXXX, XXXX and emailed to ARS on XXXX/XXXX/XXXX but have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have had an open line of credit for over 7 years yet only 2 years of my credit is being reported by XXXX, transunion, and 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 11/22/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian will not let me dispute incorrect information on my 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 04/19/2017 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Late fee

Complaint: We are a   XXXX   XXXX   organization. We obtained a credit card from  American Express ( " AX '' )  because they promised 1.5 % credits for all early payments of their credit card bill balances. We set up an autopay arrangement with our bank to assure AX would be paid as soon as AX electronically notified the bank of the monthly balance due. We always had more than enough in our bank account to pay the balance. AX then unilaterally stopped posting the credits for over a year while we tried to find out why they violated their agreement. AX then levied a {$2100.00} " late fee '' after agreeing to restore some of the credits. They have refused to restore the late fee taken from our bank account without authorization or justification or pay the balance of other monies owed to us. We learned from an AX representative other non-profits were also unilaterally denied early payment credits. AX 's principal bank is  XXXX   XXXX , which is deeply involved in its own history of defrauding customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/27/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (IL).
Issue: Closing on a mortgage

Complaint: I refinanced my mortgage over the summer. I used a branch office in  XXXX   XXXX  which is close to my house. My closing was originally scheduled at the end of  XXXX , then moved to  XXXX . I was very careful to specifically ask what my closing costs would be and was told they would be {$200.00}. I have emails to document this. When I arrived at my closing, I was told that the closing costs were {$1000.00} - over {$800.00} more than I was told. My loan officer happened to be at the bank, and when I asked him to explain the discrepancy, he informed me that perhaps because the closing was rescheduled from  XXXX  to  XXXX , that there were additional escrow costs added to the closing.     In addition to this first blunder, my loan officer also informed that I would be getting a refund of surplus escrow money in the amount of {$820.00}. Because of the first error, I asked several times to make sure - I have copies of all of my email conversations with the loan officer to show this. When the time came to receive my refund, they informed me that my old escrow money had been transferred to my new account and I would not be receiving a refund. So I was given incorrect information twice, even after being extremely diligent and asking repeatedly for clarification and accuracy. The incorrect information I was given ended up costing me a total {$1600.00} in unforeseen expenses.     I spoke with the branchs assistant manager the following week and asked if I could speak to the branch manager about this incident. He was busy at the time, but I was assured that he would call me. No call. I did receive a form letter explaining that the money from my old escrow had been transferred to my new escrow account, but I was never told why I was given the incorrect information ( twice - closing costs and escrow refund ), and never received what I consider to be an appropriate apology or consideration based on the   XXXX   huge mistakes they made.

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