milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Settlement process and costs

Complaint: XXXX & I fell into financial hardship when XXXX lost her job in XXXX. We filed bankruptcy, chapter XXXX in XXXX of XXXX and were discharged in XXXX of XXXX. During this time with XXXX children we could not afford the payment to the trustee [ {$600.00} per month ] and our mortgage. I missed approx. XXXX mortgage payments, however, foreclosure proceeding did not begin or occur at anytime since we were protected by the " automatic stay '' of the bankruptcy law. 

In XXXX of XXXX, Wells Fargo Mortgage approved us for a remodification under the new federal law for FHA loans however charged us exorbitantly high capitalized interest ( noted as " New Money '' on page XXXX ) in the amount of {$46000.00}. To be honest, we were both naively under the impression that our principal balance we remain at {$240000.00}, as it was before our filing of Chapter XXXX in XXXX. 

Since we have XXXX children, keeping our house was most important to us so we accepted the remodification and signed the documents at our local Wells Fargo Branch. We did not know we would get hit this hard in delinquent interest, other unknown fees, and feel Wells gouged us placing us well underwater on our loan. 

We also both feel we should have been offered a better finance rate than 4.25 %. If the " New Money ( Cap ) '' was lower and so was the annual rate this could be potential difference of {$100.00} - {$200.00} per month. Which is a big deal to a family of XXXX in XXXX. 

Thanks you in advance for any help you can provide in this matter. 

Sincerely, XXXX and XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XX/XX/XXXX i received a phone call from XXXX XXXX credit card company that i have behind bills that I have to pay. Over the conversation, I found that somebody is using my identity from the advice from XXXX  XXXX card, I checked credit report and found that there were fraud accounts in my credit report. 
it was XXXX XXXX, XXXX XXXX and PNC bank. I got a police report and dispute all fraud accounts and also contact identity theft goverment. I sent all documentations what credit company asked for and it made them to concluded that it is fraudendent accounts from XXXX  XXXX and XXXX XXXX companies however I never received any answer from PNC bank and on XX/XX/XXXX, so received a phone call from collection agency regarding PNC bank account. I sent documentations that they requested therefore they made concluded that it is fraud account on their side on XX/XX/XXXX and it goes to PNC bank customer service. I contacted them since XX/XX/XXXX till today XX/XX/XXXX, but they never give me any answer or letter or any response therefore I sent police report to their company to proof that this fraudendent but they called me and said that with the police report and do legal action. 
so I am filing a complaint to solve this issue. 

date XX/XX/XXXX till now credit company name is PNC bank the amount is {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: Citi bank is in the process of transferring the XXXX XXXX XXXX XXXX card portfolio to XXXX XXXX. I do not want my account transferred. I asked them to switch my card to a different Citi Bank credit card product. They refused. I want to retain my credit card account at Citi Bank. Please 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 09-10-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (MA).
Issue: Using a debit or ATM card

Complaint: This morning I woke up to a fraudulant charge for {$1200.00} from Venmo ( PayPal subsidiary ) through my XXXX checking account. Multiple attempts were tried, but they managed to steal {$1200.00} from my account drawing it negative. XXXX says they are stuck and can not do anything unless Venmo cancels the charge today. Otherwise I get to go through a lengthy process of disputing something, I should not be wasting my time dealing with since it should be much easier to deal with fraud charges. They ( XXXX ) knows its bogus, especially when I called them XXXX hours before their fraud team called me to inform me of a potential bogus charge. I have tried contacting everyone at PayPal and they pass the buck to XXXX ( company they bought which in turn owns Venmo ), and XXXX states they have XXXX contact with Venmo other than the XXXXXXXXXXXX email address you will only find on Venmo 's site. No contact numbers, no dispute resolution, nothing. They are a shady company clearly, and they allowed to operate with such autonomy how? Its my funds that were stolen from my account by a company I do not have an account with. So I have been emailing, tweeting, and calling everyone possible. I have all the emails that I have sent, but long and short I need someone to step up and do the right thing today.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX, I financed a XXXX XXXX XXXX XXXX through XXXX XXXX XXXX In XX/XX/XXXX, my car was wrecked. After my car was being repaired, I was waiting for rental car reimbursement from insurance company ; the repair shop placed a mechanic lien on the vehicle. During the time, I was waiting for reimbursement from insurance company, I was still making payments to XXXX XXXX XXXX so I did not think it was an issue. Once I received reimbursement check I went to pick up my car & was told it was picked up by dealership after mechanic lien. I called XXXX XXXX XXXX to get my car and pay for repair expense, I spoke with someone named XXXX, & was told that he did n't know exactly where my car was because it was on it 's way to an auction ; he would try to locate it & call me back. I never heard anything from anyone @ XXXX XXXX XXXX ever again. I never received anything in the mail via USPS regular mail nor certified letter notifying me of anything such as a deficiency balance letter, Notice of Sale & Right to Redeem, Reinstate Information for Repossession Agency, Notice of Seizure/Inventory List Vehicle Condition Report Proceeds or Sale documentation. Initially it was listed as a repossession on my Equifax credit report, after I disputed the information it was changed to a charge off with a balance of {$15000.00}. XXXX and XXXX are still reporting repossession. I have requested validation through all 3 credit bureaus without resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Payday loan debt) with ACE CASH EXPRESS, INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: In XXXX XXXX, I was contacted along with my friends regarding being taken to court for a debt from ACE Cash Express. They refused to give me any information regarding proof except to continue to threaten me and the individuals they claimed were listed on as references. Even when I made arrangement to pay {$150.00} and gave them my bank account # out of fear they would file with XXXX courts, they continued to call and harass me and my friends. I spoke to a young lady by the name of XXXX XXXX who was very helpful in explaining that they would adjust the date to ensure funds were available when they withdraw. The payment schedules were in line with my pay dates. However for the month of XXXX the payment schedule was changed to be the week after my pay date which is a conflict with other bills. I contacted the agency on several dates this week to ask why the payment had not been withdrawn. After XXXX XXXX. I was provide the contact number of XXXX and XXXX answered. When I requested proof of the debt, She stated it would not be provided until after the debt was settled. she said I had a balanced of {$1200.00} left to settle the debt. When I asked to change the date back to this week she said it would not be changed. She then said I had the option to not continue to work with the company and the matter be forwarded to the courts. I told her I was not trying to be difficult but I have paid over {$1800.00} to this company already without any proof due to scare tactics and do n't want it be that they had no legal authority to collect this debt when I finish making payments

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (Medical) with SCA Collections, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: SCA Collections of XXXX, NC has continually file collection attempts against me on medical bills I do not owe because I have had XXXX consistently for the past 7 years! I am a single parent, XXXX and I have no income except my child support and that 's not enough to pay my bills. If your health information is to be private, how can they collect on a debt I do not owe??

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Debt collection (Medical) with Harvard Collections, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is not my debt and This is not a refusal to pay. It is a notice that I am disputing Harvard Company 's claim and requesting validation under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ). Pursuant to the FDCPA, they must ( a ) provide the requested verification before continuing collection activity or ( b ) stop all collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Listed on my credit report is a Credit collection by XXXX XXXX representing XXXX XXXX XXXX for a balance in the amount of {$950.00}. Also on my credit report is XXXX XXXX XXXX. I have disputed this account multiple times but what upsets me more now is that both companies are listed on my credit report as if I owe the same debt twice. It is unfair that they are both listed on my credit report appearing that I have multiple accounts in a negative status and being denied credit. I am asking that XXXX XXXX be deleted immediately as they are not the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have contacted XXXX XXXX XXXX and they have advised they do not give out any information to the Credit Bureau, I have asked Experian to Validate where they gotten their information and they can not. I have contacted and disputed several times to have this information that is untrue and incorrect removed from my credit report. This has not taken place and the information remains on my report, even though I have stated that I do not owe any debt or applied for the following accounts. The accounts can not be physically verified and or proof not retained to keep reporting this is misleading or unproven information, especially considering a composed consumer complaint notifying them of said issues so please help to have the information DELETED the following illegally reported allegation here and now :

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 non-monetary relief
Consumer complaint received 04/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I took out loans to get a  XXXX  from   XXXX   XXXX   University - at the time, I did not know that the interest rates being charged were insanely high ( between 6 % and 8 % ). The original amount of my loans were about {$90000.00}. As a newly graduated   XXXX   XXXX  , I was only making about {$55000.00} per year and living in   XXXX   XXXX   XXXX   - I could not afford to make payments, so needed to go into forbearance. Because of capitalized interest, I now owe {$140000.00}. I am currently making payments of about {$900.00}  ( this is  a huge monthly burden ), and I am not making a dent in the balance - this is all going toward interest. I have pulled are report of the payments I have made, and over the years that I have been in repayment, I have paid close to {$250000.00}, but my balance remains the same. I feel that I will never be able to pay off these loans - at the rate I am going, the balance will remain the same for my entire life, and I am struggling to afford these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit reporting () with Richland Bureau of Credits Medical Service Bureau Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This account was opened i n 2012 a nd I believe the information on this account is wrong. This account should have been removed a while ago. I am not sure if this account even belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to my requests to investigate and remove XXXX account from my credit report that does 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 11/22/2017 about Mortgage (FHA mortgage) with ACOPIA CAPITAL GROUP (FL).
Issue: Closing on a mortgage

Complaint: I sent Loan Officer XXXX XXXX from XXXX XXXX  XXXX with NMLS # XXXX a buyer to get approved for a loan. 
XXXX XXXX was keeping me informed at the beginning with updates & after a while I could n't reach him and after researching XXXX XXXX closed my clients and also stole my real estate commission which XXXX never said he was a Realtor as well. That 's unethical. 

I have the emails as proof. Now XXXX XXXX or his president XXXX XXXX wo n't accept my calls or respond to my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. ().
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I spoke on the phone with Navient about repayment options. They said I could have a forebearance. I asked if that would affect my interest rate and they said not as long as I began repayments on time when the forebearance ends. I have had a fixed interest rate of 1.75 % ( 2 % with 0.25 % benefit for automatic payments ) for at least 10 years and since I consolidated the loan when it was with XXXX. It has since been sold on a few times. Now Navient has raised the interest rate by 1 %, claiming that was a benefit and that when they read me the XXXX and XXXX it said I may forfeit " certain benefits '' of on-time repayment. It was never made clear that I had that 1 % as a benefit, nor that I would lose it. I asked multiple times to ensure my interest rate would stay the same, since it is quite low.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Account opening, closing, or management

Complaint: HSBC randomly decide to close account with no notice and no reasons

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: Dear Sir/Madam, Scottrade refuses to remove known-to-be-fraudulent information submitted to my XXXX file. 

Please see the attached. 

Sincerely Yours, XXXX XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Medical Data Systems, Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I 'm confused as to why MDS Tradeline REMAINS on my credit reports when they did n't provide the requested documentation in 30 days. I 've tried resolving this issue with XXXX as well as MDS however to no avail. XXXX said the account is verified however calling to match up numbers is n't enough to properly validate an account. Also, XXXX XXXX with MDS knows for a fact she did n't respond nor provide proof in 30 days under the law yet she continues to ignore my consumer rights. It is now XX/XX/XXXX and I have given MDS as well as XXXX more than enough time to do the right thing. At this point I am ready and willing to seek legal action. This is my final notice before litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Debt collection (I do not know) with I.C. System, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: There is a company called IC Systems that keeps calling me on my cell phone everyday like 8 times a day. but if you answer it they just hang up. I googled their # and other people say its a Debt Collector. I have not received any mail from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have tried three times to get my annual credit report from Experian on the annual report website and get the same message " problem with their system '' I also tried once by phone on their system and now got a letter back saying not enough information given!!!

It is my contention that they purposely have all of these " Roadblocks '' in an effort to get you to give up and not honor their requirement to give the FREE annual 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 non-monetary relief
Consumer complaint received 12-09-2016 about Debt collection (I do not know) with ERC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received numerous calls from XXXX. A XXXX search reveals that this number is a fraudulent credit agency. I have asked them to stop calling me, and I have no outstanding debt - yet they persist. I called them again today XX/XX/2016 to insist that they stop calling.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: error different names on credit report items not mine cra violation no knowledge po report # XXXX c sent 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 non-monetary relief
Consumer complaint received 10-02-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX, Bank of America ( the Servicer ) declined our imminent hardship ( one is a XXXX veteran ) for one of our many US, and one of the Services many, home retention ( loan modification ) options. 

On XX/XX/XXXX, the Servicer declined our imminent hardship ( one is a XXXX veteran ) for one of our many US, and one of the Services many, home retention ( loan modification ) options. 

As evidenced attached A1 and A2, each Servicer decline letters are vague?! 

The Servicers ' decline letters DO NOT ascribe, the Servicer do not evidence, what the Servicers ' REPAYMENT PLAN program guideline delinquency requirements are?, the Servicer DO NOT ascribe, evidence what the Servicers ' basic eligibility rules are?, the Servicer DO NOT ascribe, evidence how the aforesaid disqualify the imminent hardship homeowners for the Servicers ' Repayment Plan. 

The Servicers ' decline letters DO NOT ascribe, evidence what the Servicer 's 40-YEAR AMORTIZATION MODIFICATION PROGRAM requirements are?, and the Servicer DO NOT ascribe, evidence how the aforesaid disqualify the imminent hardship homeowners for the Servicers ' 40-year amortization modification program?! 

The Servicers ' decline letters DO NOT ascribe, evidence what the Servicer 's END OF DRAW MODIFICATION PROGRAM basic rules?, and the Servicer DO NOT ascribe, evidence how the aforesaid RULES disqualify the imminent hardship homeowners for the Servicers ' End of Draw Period modification program?!

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 08/31/2016 about Bank account or service (Checking account) with KEYCORP (OH).
Issue: Deposits and withdrawals

Complaint: We have several accounts at KeyBank. Someone did an online transaction and took a total of {$1000.00} from XXXX of our accounts and created a new account and put the {$1000.00} in the account that they made up and then took the money. We contacted the bank immediately. We were told that it looked like someone within the bank was internally moving money and it should be just fine. It never was fine. We have spoke to the Branch Manager and the Fraud Management in New York and we have been told that the fraud department investigated and it could not help us with anymore assistance. The letter stated that we would not be getting a return of our {$1000.00}. Please help us. This money is to pay for my real estate taxes and home owners insurance.

Company response to consumer: Closed with explanation