milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-04-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX, I closed on my house with a mortgage amount of {$2200.00}. On XX/XX/XXXX, I contracted Wells Fargo concerning receiving a letter stating that my City taxes had not been paid. Wells Fargo stated that the taxes had been paid. However, they would file a case for the further review and requested that I fax a copy over to them. I faxed the information over to Wells Fargo the following day. I contacted the taxing authority a couple of times to verify payment. Payment was not made by Wells Fargo until XX/XX/XXXX. I called Wells Fargo on XX/XX/XXXX to see how this payment was going to affect my account. I was informed that since the City taxes and County taxes were more than the amount calculated for my loan that I had a negative {$770.00} in my escrow account. The Wells Fargo rep stated that I was lucky to check on this matter now because when my escrow analysis runs in XX/XX/XXXX ; my mortgage would increase by {$500.00} to adjust for the shortfall. I asked why I was not notified on the shortfall. She stated that they do not have to provide this information until the escrow analysis is run. She also told me in order to correct the issue now ; I would need to make a payment for {$3000.00} and my mortgage would still increase by {$180.00} per month. So, I made an escrow payment of {$2500.00} on XX/XX/XXXX. I made {$110.00} escrow payment on XX/XX/XXXX. I spoke to another rep who stated that the entire payment would need to be paid by the end of XX/XX/XXXX or the system would automatically increase my payment by {$500.00}. I asked could they reverse some of my principal only payments to help get me to the necessary balance. I also asked if Wells Fargo could adjust the figures since this was their mistake. I was advised that this was not issue and that the Title company made the mistake and that they had already paid the {$32.00} late fee for the City taxes as a customer service gesture. At this time, I still owe an additional {$400.00} before XX/XX/XXXX if I do not want to pay an additional {$500.00} on my mortgage each month.

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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX and Trans Union are ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

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 10-07-2016 about Credit card () with U.S. BANCORP (MO).
Issue: Balance transfer

Complaint: On XX/XX/2016 I contacted U.S. Bank and provided them with a new mailing address for them to mail a replacement for my existing card that expires on XX/XX/2016. While on the phone, I was offered an additional credit card with a XXXX dollar credit limit, zero percent APR for a year, and 17 % APR after the first year. I was also told that I could transfer the balance from my existing card, close to XXXX dollars, to the new card, without any transfer fees. I called on XX/XX/2016 to inquire about whereabouts of the replacement card and new card in the mail. While on the phone I was told that the person I initially spoke to on XX/XX/2016 misspoke and gave me false information about being able to transfer the balance from my original card, to the new card, enabling me to pay off and cancel the original card with a much higher interest rate. I had the new card canceled on XX/XX/2016, and inquired about having my existing card APR lowered to 17 % like the new card they approved me for. Even though U.S. Bank had access to my credit score, they claimed that they could only offer me an APR of 17.99 for 6 months. My grievance is that I was misinformed of my ability to transfer my credit card balance ; which was deciding factor for me to follow through with opening the new credit card account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: It 's a lot of things on my credit that were paid but, still reflects negative readings which is n't allowing my credit score to elevate accurately. XXXX, XXXX and XXXX are the XXXX main negative items that weighs heavy on my credit report which is preventing me from purchasing my first home.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Prepaid card (Other special purpose card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Fraud or scam

Complaint: I received XXXX American Express prepaid reward cards as rebates for purchases from XXXX and XXXX from XXXX. I was informed that they were accepted nearly everywhere, but was embarrassed time and again as I tried to use the cards in crowded lines at local stores including chains like XXXX and XXXX and online retailers as I scanned card after card only to be rejected and having to find another way to pay. On XXXX XXXX, XXXX I called their automated, XXXX phone number to get the amounts remaining on each card. I was told : {$14.00} remained on the XXXX {$20.00} cards, {$6.00} on a {$10.00} card, {$4.00} on another {$10.00} card, and {$0.00} on the remaining XXXX {$10.00} cards even though I had been denied use on these cards. ( The only card I had been able to use in the past was the {$30.00} Am Ex card from XXXX for a purchase of {$23.00} so it had a balance of {$6.00}. ) Later on XX/XX/XXXX I made a purchase at XXXX and was denied XXXX cards with balances remaining, but the receipt showed that {$0.00} was taken from XXXX card and declared XXXX-out, though the automated phone called an hour earlier said it had a balance of {$14.00}. {$1.00} was taken from the {$30.00} XXXX card with an actual balance of {$6.00} and declared XXXX. {$1.00} was taken from another card and XXXX-out though the phone call claimed there was {$6.00} remaining on it. And finally {$14.00} was taken from a card that the phone called claimed had {$14.00} on it and declared XXXX-out. This has been a confused, embarassing experience in which I saw my money randomly disappear with no logical explanation. There is no web address to contact and Amercan Express 's phone number is automated.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Prepaid card (Payroll card) with AMERICAN EXPRESS COMPANY (OK).
Issue: Managing, opening, or closing account

Complaint: I had a prepaid American Express Serve card, and when I called in for help on XXXX/XXXX/2015 for assistance with adding funds, they closed my account. I had {$290.00} in cash on the card. They will not give me any information and will not give me my money back. They said I violated the terms of my agreement.? I am not aware calling in for help for a violation. They claim there was suspicious activity on my card. If they 're protecting me, I 'm concerned they will not give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We submitted a complete loan modification on behalf of our client to Specialized Loan Servicing ( SLS ) on XX/XX/2016 with a scheduled sale date of XX/XX/2016. However, on XX/XX/2016 the bank sent us a letter advising they were unable to review the package due to the upcoming sale. My client wants to save her home and in good faith has provided the complete package with ample notice to at least be reviewed and considered for a work out. It is not my client 's intention to delay the foreclosure but merely to find a solution to save her home. While I understand there is a 37 day rule if the bank truly wanted to help the borrower they had ample time to at least review what was submitted and determine if she qualified for any workout solution or offer any alternatives, yet they did n't nor have they provided a formal denial letter. We would like to have the sale postponed in order to give the lender time to review the financial package that was submitted.

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 11/24/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (NY).
Issue: Confusing or missing disclosures

Complaint: Hi, about three months ago in XXXX I opened an ebay account for the first time for a one time transaction in selling my old phone.I did n't plan to continue using either ebay or paypal any longer for any reason. After this transaction was completed and I shipped out the item to customer paypal put a hold on funds and said that I would no longer be able to use their services. I nowdo n't have either my item or my money.I felt as if I got scammed because they said I have to wait 180 days to releases funds that they had already taken their fees from. I was not participating in any fraudulent activity and my account was in good standing. The customer also did not file any disputes or chargebacks against me. I just want my money back and do n't want to be another victim of Paypal 's wrongful closings and freezings of many acccounts. The amount being held that I will like released is {$490.00} I feel as if I have done nothing wrong to be hit with such a harsh consequence. 
Thanks for your help in helping me solve this issue. 

Paypal Case ID : Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Debt collection (Credit card) with Weber & Olcese, PLC (MI).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: this is in reference of the following complaint that i filed on XX/XX/2016 .... XXXX my question still was n't answer ... i stated that the attorney stated they where employee of XXXX XXXX that they are working on there behalf ... they are being mis leading because they are debt collectors trying to collect a debt ... that not mines ... but they want you to think they 're working with XXXX XXXX they why they are coming after defendant.. they said we are representing capital one.. and my question again are they representing XXXX XXXX as they 're they client or they are just debt collector, can they answer that please, and they also said there was no resolution reach at all. but once i told them that was n't my debt, they never respond back to tell me any thing different, as to ask more question they never stop collection of the debt, they proceeded to file a law suit, what happen too the fact that they suppose to hold off on collection for 30 days until they fine out if what i said was true, i should have got a response from them before they decided to file a law suite , so who else can i contact if i want to bring a law suit against them for fair debt violation, and they have a paper with the wrong amount, that does n't match the paper work of the complaint

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 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: Account information incorrect

Complaint: I requested to have this secured credit card account closed back in XXXX of 2015. According to XXXX XXXX rep this account would be close and their would n't be a balance left on the account because it was a secured card and you can not charge no more than what you have available on the card. My credit card limit was {$300.00} and I could n't charge no more than {$300.00} on this card. After closing the card and them crediting my account {$300.00} it left me with a {$0.00} balance and all of sudden a month later they let a charge go through for {$200.00} and something dollars, and the charge was not related to me at all and I told them it was not my charge it was fraudulently and they reinsured me it would be fixed and I left it alone trusting them to take care of the charge that was not mine. Months and months goes by never heard back from them so I 'm assuming everything was okay only to find that this company reported to the credit bureaus I owed them {$290.00} which is not fair and very untrue.

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 04/14/2015 about Debt collection (Mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Homeowner received letter of collection from XXXX XXXX XXXX. The letter advised unless there is dispute the validity of the debt or any portion, there was thirty days to respond which HOMEOWNER requested validation of debt with cease / desist response. XXXX XXXX XXXX ( XXXX XXXX ) statedXXXX XXXX XXXX does n't have to respond and will not respond. Then XXXX XXXX stated the information was sent to Wells Fargo Bank, you can ask them for the papers. 
Wells Fargo Bank XXXX XXXX home preservation specialist stated Wells Fargo Bank had not received any information from attorney XXXX XXXX XXXX. Wells Fargo Bank informed XXXX XXXX informed HOMEOWNER, he needed to call XXXX XXXX XXXX. 
The XXXX Georgia Community Organization OCCUPY OUR HOMES XXXX reported XXXX XXXX, XXXX Wells Fargo Bank Mortgage/Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX contact : XXXX XXXX has been instrumental in assisting banks in their effort to steal wealth from hard working Georgia residents. XXXX XXXX has excelled at putting people out of their homes and into the street. 
XXXX XXXX for going the extra mile to swiftly remove people from their homes so that banks can claim massive inventories of vacant homes, collect insurance, and then sell homes to private equity firms at record rates.XXXX also played a key role in the robo-signing scandal. In fact many fraudulent robo-signed signatures were signed by XXXX XXXX personnel. Robo signing may not have been possible without the tenacity of XXXX XXXX. XXXX XXXX has, and they certainly have profited greatly. HOMEOWNER asked XXXX XXXX XXXX Assistant Attorney ( XXXX XXXX ) about verification and XXXX stated what Wells Fargo tell them is good enough for them. 
HOMEOWNER never did receive any verification from cease and desist letter submitted to XXXX XXXX XXXX attorney firm. 
On XXXX XXXX, 2013, Wells Fargo Home XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX REPORTED XXXX WAS HOLDER OF DEED AND PROMISSORY NOTE ON LISTED PROPERTY. WELLS FARGO HOME MORTGAGE WAS SERVICER FOR XXXX XXXX XXXX. When HOMEOWNER reported that XXXX XXXX XXXX had reported not to be lender of deed. XXXX XXXX XXXX RESPONDED WE JUST GO BY WHATC WELLS FARGO Bank tells us. which IS FORECLOSURING ON FOLKS ON HERESAY AND NOT INVESTIGATING FOR LEAGALITY .... 
XXXX XXXX XXXX ( XXXX XXXX ) statedXXXX XXXX XXXX does n't have to respond and will not respond. Then XXXX XXXX stated the information was sent to Wells Fargo Bank, you can ask them for the papers. 
Wells Fargo Bank XXXX XXXX home preservation specialist stated Wells Fargo Bank had not received any information from attorney XXXX XXXX XXXX. XXXX XXXX informed XXXX XXXX XXXX, he needed to call XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: FedLoan refuses to appropriately address its repeated violation of laws. In a previous letter, FedLoan discussed section 682 ; however, they refuse to respond to its violations of 685.      In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited  to : ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments o n weekends. The text of operative legal language is included below. Note that the law requires that borrowers be given to the prepay the debt AT ANY TIME. Therefore, FedLoan limitations are illegal . 685.211  Miscellaneous repayment provisions. ( a ) Payment application and prepayment.  ( 1 ) Except as provided for the income-contingent repayment plan under 685.209 ( a ) ( 3 ) or the income-based repayment plan under 685.221 ( c ) ( 1 ), the Secretary  applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal.  ( 2 ) A borrower may pr epay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the amount due, the excess amount is a prepayment.   XXXX   XXXX     XXXX  Very truly yours, /s/  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (TN).
Issue: Struggling to pay your loan

Complaint: I received a letter in the mail on the XX/XX/XXXX from XXXX offering a settlement on title loan whichhad me puzzled. I had gone to XXXX shortly after getting loan on car and had informed company I was in XXXX   and would be there for a long length of time and to please pick up car due to my inability to pay. I called and was informed that XXXX never pick up vehicle after my request but instead after car sat on property for almost a year and apartment building was being remodeled landlords had car towed. Company informed me paperwork and documentation was sent to myself and XXXX but was never pick up by me due to being in XXXX.XXXX did npt pick up car.fast forward XX/XX/XXXX I call said company 3 times the first time to try to get a clear understanding of what was going on. The second was discuss possible payment but I needed more information which was meet with hostility. The third time I just attempted to pay then I was informed that the offer supposedly expired XX/XX/XXXX.I informed agent that letter was printed on XX/XX/XXXX and that it was mailed from Texas and XXXXhat I had received it on XX/XX/XXXX and  that the next business day was Tuesday since XXXX XXXX was Monday and the letter did not list a expiration date. Again agent got hostile which made me angry and need to end the call

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (I do not know) with Alliance Data Card Services (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received call on XXXX XXXX, 2017 at XXXX XXXX from XXXX This is a very important message for XXXX XXXX XXXX please make it a priority to return my call as soon as possible so that I may review you some important time sensitive information with you. You can reach me at my toll free number which is XXXX my direct extension is XXXX that 's XXXX at XXXX my direct extension is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Consumer Loan (Installment loan) with Santo Domingo Motors Inc. (MA).
Issue: Shopping for a loan or lease

Complaint: I went to a dealership on XXXX/XXXX/15 and chose a car from the few that he was willing to work with me on. He told me i had to put some sort of deposit down in order to even HOLD the car so no one else would purchase the vehicle. He also stated that he would not cash the money order until i brought the other portion of the down payment as well as the dealer services of {$99.00}. 

Less than a week later on ( XXXX/XXXX/15 ). I have realized that i can not afford to get that car as it is a luxury vehicle and way out of my price range. I called the dealer and he told me that he had deposited the money order on XXXX/XXXX/15 and i would have to wait for this to clear the bank. 

I then called the bank and was informed that the money order had actually been cashed on XXXX/XXXX/15. He refuses to have a professional conversation with me over the phone and refuses to refund my money. 

I have not signed a finance agreement or contract or anything of that matter. I do not have a car. I have nothing to show for what is going on other than the receipts and the blank page that he sent me home with to get references for this deal.

Company response to consumer: Untimely response
Consumer complaint received 07/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I received an alert from Transunion that my credit was hard pulled on XXXX/XXXX/2016 by XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (WA).
Issue: Incorrect information on your report

Complaint: Our mortgage was sold t o Bayview Loan  Servicing from  XXXX   XXXX  Florida around  XXXX   XXXX . Loan #  XXXX .   For the first 3 months they (  Bayview Loan Servicing Loan Servicing LLC ) h andled everything right. But in  XXXX   XXXX  everything went down hill. This company issued us a   Escrow check to us. Now we have never had a Escrow account. We believe that we need to pay our own Insurance and property taxes, this way we have control of all payments.
We called Bayview and told them this is not our money and we do n't have an Escrow account. Bayview told us to send the check back and we did as told even Certified Return Receipted it. Bayview   received it back and then put it toward payment on  our Loan Account. Bayview then took it off, and then put it towards an Escrow then took it off again, then they put it towards Insurance again had to take it off as we showed proof of Insurance for the third time. We always pay with a money Order every month but Bayview s aid we did n't. Showed proof in  XXXX   XXXX , Then it happened again in  XXXX  and  XXXX   XXXX , Showed proof of payments. In the mean time  Bayview reported to Credit Agencies of Non payment or Late payment or Delinquent. Then Bayview th reatened us with Foreclosure for no or late payments. I had called them every time that our billing statement was wrong  or Credit Agency Report was wrong report. My last call to the Corporate Office and talked with   XXXX   from the ( Customer Advocate Team ) he said I was right on all aspects and the Corporate Office was the one  in DEFAULT this was said to me on  XXXX / XXXX / XXXX  @  XXXX   XXXX  from the number  XXXX . I asked him what they are going to do about our Credit Report and he said nothing and if I ever call to only talk to him as he is the only one working on our case. Then low and behold we get a statement from  Bayview th at they sold our Loan to another Company called  XXXX   XXXX   XXXX   XXXX   XXXX  and not to send any more payments to Bayview.   This is the   4th time our Mortgage has been sold. Seems like every time we catch them in Fraud or Threatening us for Breach of Written Contract they sell us off. We do n't get it.
If your Agency can help others th  at is great.

Company response to consumer: Closed with explanation