milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SUNTRUST BANKS, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: This is in response to conversations I 've had with XXXX XXXX and XXXX XXXX on XXXX XXXX, 2016, concerning my complaint of predatory lending. I received a voicemail message late on XXXX XXXX from XXXX XXXX of SunTrust 's Escalation Resolution Department advising me to return the call and speak with 'any representative '. This was a red flag to me, as having to deal with multiple client relations representatives in my modification process in XXXX of 2016 was a matter of which I 'd already filed a complaint. I did call back on XX/XX/2016 and spoke with XXXX XXXX. She asked me if I had any questions, to which I said I did n't know what questions to ask, as this is their service and they must explain this process to me, clearly and thoroughly. I also told her that speaking with 'any representative ' was a red flag for me and why. She advised me I had XXXX person assigned to handle my account, XXXX XXXX. I told XXXX I would not work with XXXX XXXX as she had lied about what was discussed in our phone conversation of XX/XX/2016, vs. what was stated in their response to my CFPB complaint filed on XX/XX/2016. In that conversation I have no recollection of any discussion of the foreclosure sale scheduled on XXXX XXXX, 2016. Yet in their response to my complaint, it was stated this discussion took place. This was the second of XXXX lies and/or inaccuracies in that response. I told XXXX I would speak with XXXX XXXX 's XXXX, and she advised that is XXXX of Mortgage Escalation Resolution. I received a call and spoke with XXXX XXXX late the afternoon of XXXX XXXX. She confirmed the foreclosure sale of XXXX XXXX was stopped due to my complaint of predatory lending, and that their 'compliance people ' would review it. Among a few things discussed, I told her I wanted documentation of what SunTrust did with our interest payments paid to them over the course of the loan. She said she would have to get back with me. I have not received a return call or email on that request. 
There is a pattern of lying and/or inaccuracies, misinformation, creating confusion by passing me off to multiple representatives. Considering that, and recalling my experience with the loan application process and closing, I do suspect there are potential violations. As such, I am requesting documentation and information as outlined in my attached letter.

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 08-04-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I had taken a home equity loan with Citizens One. This year the loan came due. They told me they were going to foreclose on my house if I could n't pay them XXXX. I was never late or missed a payment. I have been trying to modify this loan for a year this month. I have been through the process 5 times now. My home is worth XXXX. Because of a divorce and other issues that are coming to an end this month I could not come up with XXXX. Please help! I can make payments as I always did and do n't want to lose my home I 've had for 27 yrs. Because of this the have trashed my credit. It 's clear to see on my credit report. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: 1. On XXXX/XXXX/2016, I transferred {$480.00} and {$46.00} from XXXX external accounts to my Chase checking account. I was expecting these funds could be used within 2 business days. 
2. On XXXX/XXXX/2016 ( which is the third business days after XX/XX/XXXX ), I transferred {$40.00} out of my Chase checking via XXXX before I found out that the previous XXXX transfers were not deposited into my account. 
3. On XXXX/XXXX/2016, I was charged {$34.00} as INSUFFICIENT FUNDS FEE though I have over {$500.00} transfer in pending since XXXX/XXXX/2016. 
4. I argued with Chase but they said it is the policy and they would not waive the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Alliance One sent a letter to me dated XXXX/XXXX/15 but I did not receive the letter by mail until XXXX/XXXX/15 which was past the 30 day time frame to dispute the debt. I did have an attorney sent a letter dated XXXX/XXXX/15 which I have a copy of the dispute, I never received anything for the company at all. I have a right to know that information if they want me to pay anything. The attorney advised me that Alliance One is suppose to send me something, the letter was dated XXXX/XXXX/15 but I did not receive by mail until the next month which is illegal. I checked the envelope and there is not a date on it, an attorney asked me that this company is known for doing things like this due to the number of complaints against this company, the amount shown on the bill is {$98.00}, therefore not likely for the company to take legal action against me. Even as of today, I did not receive the validation of debt which I am entitled to by law and this company ca n't mark my credit without sending the validation of debt to me. I could bet fired from my job if I have a collection item on my credit. Alliance One violated my rights when they knowlingly mailed out the letter after the 30 days which is against the law. The attorney I spoke with told me to file a complaint with the CFPB because this illegal not to send me the validation of debt after I requested it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XX/XX/2018, XXXX listed a collection account from XXXX XXXX XXXX from XX/XX/2017. However, XXXX will not allow me to complete a direct dispute report online in order to begin the problem resolution process. When completing the online form, an error message arrives claiming the disputer can contact a live operator ; however, no one receives or answers the phone call. The credit reporting agency, which also works with the collection agency, presents this roadblock as a means of discouragement to prevent anyone challenging the collection agency on its unfair debt collection practices. To add insult to injury, XXXX added the collection account to its files information after the XXXX data breach of XX/XX/2017 had compromised my personal information.

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 08/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MI).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On Friday XX/XX/XXXX I called Wells Fargo from a phone number ( work ) in my profile to request a credit line increase. After validating my current / open account with the representative I was sent to underwriting ; were I revalidated my identity, so a credit report could be reviewed. Then I was transferred to the Fraud department and requested to further detail my identity. At this point I was unsure about answering the question " what year was my house was built '' the agent stated I could call back in and redo the application process ; consequently, having a second credit report pulled. So I ended up guessing on the question, and was wrong, so they locked my account. I was advised I would need to take two pieces of ID into a Wells Fargo branch to validate my identity ; however, there are no Wells branches in Michigan. I was then advised to go to any bank. 
On MondayXX/XX/XXXX I went to my primary checking account institution and explained the ridiculous request to Member Services. I have banked with this institution for more than 20 years and not to my surprise they declined calling the Wells Fargo Fraud department and validating my Credit Card / ID info. I mean why would they, it is not their account. Frustrated I called Wells and filed a customer service complaint as I was investing more time than necessary. I even requested closing the account and was denied until the fraud lock was removed. 
Think about this - I validated my identity with Wells twice for an existing account, which was already established and cleared by the Fraud alert at the time of opening, more than five years ago. So they think some human broke into my office, sat down at my work desk and called My credit card to request a credit line increase. There verify identity with caller ID. 
After Filing the complaint I waited 24 hours without response. So again yesterday I tried 2 more Financial Institutions. XXXX and XXXX and was also both turned away stating this was not something they were comfortable doing. One Banker stated how do we now you did not steal the wallet. 
Even more frustrated I called Wells again on XX/XX/XXXX and requested to speak with a supervisor, I explained to him that I have tried to clear with three banks, tried to close my account, filed a customer complaint and requested an alternate option since they have no local branches in my state.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is my second time reaching out to XXXX, Equifax, XXXX XXXX to request a investigation on the following account. XXXX I am not requesting XXXX to validate the information that is reporting. I was a Victim of Identity theft I have provide the police report and FTC regarding this account. After contacting the first Collection that was reporting the account XXXX XXXX XXXX XXXX this company sold the account to XXXX XXXX XXXX. After I requested the company to remove this account due the fraud. I am requesting XXXX to BLOCK the reporting of this account from being reported and resold by debt buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Mortgage (Conventional fixed mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I have had issues with Vanderbilt mortgage for several years but the first of 2016 I attempted to get a Reverse mortgage and I was told by a loan officer that as long as I was in a RM I let XXXX go by so that put me in arrears. I was given a loan rep and she said that if I made my payments on time then she would see to getting me a extension, she did not. I have been making my payments ontime and they have accepted them. I sold the house and property and we were due to close on XXXX XXXX. The loan officer for the buyer l called Vanderbilt today she was even given my personal financial information and I lost the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit card () with Alliance Data Card Services (FL).
Issue: Credit line increase/decrease

Complaint: In Late XXXX, I learned via email that my Victoria 's Secret credit card was closed. I called to dispute the reason for closing and was advised by a Supervisor that the account closed appropriately and there was nothing I can do. The issue that brings this dispute followed later, I received a letter from Commenity Bank, the Bank for Victoria 's Secret credi accounts. The letter states " We are responding to your request for a credit line increase. We obtained and reviewed your credit report and unfortunately because of your credit performance we are unwilling to increase your limit at this time. '' Well here is the major issue, I DID NOT request a credit increase on this closed account and furthermore DID NOT give permission for anyone to do so. After speaking with that Supervisor in late XXXX, I was NOT given any inclination that an attempt to review or restore the account was going to take place. Federal law requires a creditor/merchant/lendor to obtain consent prior to obtaining a hard credit inquiry for determination on extending credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Checked my credit report. I see some of my old accounts that were discharged but so accounts are not showing.

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 04-01-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed an account for XXXX XXXX XXXX XXXX at least XXXX times. XXXX off the beginning credit on this account was {$26000.00} and the credit report has {$20000.00}. Also, it states that my vehicle was repossessed in XXXX and XXXX XXXX is incorrect.The balance of this account was paid in full in XXXX on the said day of repossession. There is no balance and the information listed is false. If this is not resolved properly, I will need to move forward with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX I made a Credit Card payment to Wal-Mart. I called to see if my payment was received because I did not want to incurr a late fee. I was told by the representative that my payment was not received. So I made another payment in the amount of {$85.00} over the phone. I asked the representative when my first payment in the amount {$85.00} is received, I want a refund back. She told me when I received my statement call back, I said ok. When I received my statement I called back as the representative said. The representative told me I should receive a check in 15 days for {$85.00}. On XX/XX/XXXX When I did receive the check it was in the amount of {$63.00}. I called back and I spoke to someone named XXXX, she told me she`s putting in a request for the {$22.00} and gave me a confirmation # XXXX and that the refund is going to take 7-10 business days. Still have not received my refund. I called back and spoke to another representative named XXXX, he stated that the reason I have not received my full refund is because my payment was {$100.00}. On XX/XX/XXXX I spoke to XXXX and she told me to pay {$85.00} only because I was giving wro ng information ; They adjusted my payment from {$100.00} to {$85.00}. I told XXXX what was said by XXXX, he said he`s putting a request in for the {$22.00}. Never received it. I have been calling and talking to several representatives from Wal-Mart in regards to this. On XX/XX/XXXX was my last a tempted to retrieve my refund. I spoke to XXXX an account Manger, I played the recording of XXXX explaining why they made the adjust on my account for the {$85.00}. He said, he`s going to put in for the refund, never received it. I make my payments on time to Wal-Mart. I am not understanding why I have to go through all of this to get my refund of {$22.00}. Everyone of the representatives from Wal-Mart say been dishonesty in their speech. If I take my {$22.00} out of my payment I will have to pay a penalty. Just as they want their money every month I want mine. When you value your customers you respect and speak truth to them. I have recorded conversation with these representatives. Lastly they are not even trying to put my refund towards my account. I could not submit my recorded conversation with the WalMart representative this is XXXX WalMart representative explaining why my account was adjusted and her confirming the Supervisor telling me to pay {$85.00}. The supervisor name is XXXX and XXXX is reading from her notes in regards to the adjustment of the {$100.00} to {$85.00}, because of wrong information as I already mentioned in my complaint. The date again is XX/XX/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 11/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been approved for a loan modification by the Servicer SPS andthey continue to foreclose on my family even after I have reached out tothem several times for help. They are clearly ignoring our cries for helpalthough we have qualified and have been approved for a loan mod. 
I have spoke to several different reps ( XXXX in all- XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX @ XXXX XXXX XXXX @ XXXX and XXXX @ XXXX XXXX ) All of them gave me the run aroundevery time I called and they said that the foreclosure would be stoppedand that I would not lose I home because we qualified and they weresending the approval by mail which has not arrived yet. However theTrustee sale is set for Monday XXXX XXXX, 2015 by XXXX XXXX who I also called to request help and all they saidwas to file bankruptcy which is the only option they claimed I hadto save my home. I am very frustrated and scare about the foreclosuresale date and have not been able to get anyone to confirm the stoppageso I still face losing my home on Monday. I need help to stop theServicer from foreclosing on my home. They have negligent and abusivetowards us and now they want to steal our home and kick us out onto thestreet and be homeless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: My complaint goes back to XXXX XXXX with XXXX XXXX of XXXX XXXX, I was advised that the information needed to be filed with the corporate office. When I sent the information in to corporate they advised me that they could n't find me in the achieve file and that I would have needed to contact the place where the transaction happen. Once I did that I did n't get anywhere with the general manager who stated that since the other person know longer worked there he could n't really help me and the inquiry should be falling off in XX/XX/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 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I'am currently in the process of obtaining a home loan and I am experiencing allot of trouble with getting info regarding my credit report for Equifax. I 've sent over my personal info such as driver license, social security, pay stub, and XXXX forms to show documentation showing that I'am who I'am. I 've spoken with reps at there office numerous times and also had my info faxed over as of recent. I faxed over that info on X/XX/17, and sent overnight on X/XX/17. I was told that after I did this I could gain access to credit report. Now I am being told that it will take another 30 days to investigate and made corrections, I was mislead to believe that i would get info in shorter time after i was told i would have access to my report. There saying that there i'sent anything on my file when i do have credit and my mortgage company has other 2 credit reports from the other credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
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: The following Credit Card A/C is missing in my TransUnion Credit Report. A/C Type : Credit Card A/C Number : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This A/C was there in my TransUnion Credit Report for last several years. Suddenly this A/C has disappeared from my TransUnion Credit Report. <P/>This A/C is still open. Even if I close an A/C that just can not disappear from my Credit Report. <P/>XX/XX/17 - I contacted TransUnion Within 1 week I received a letter from TransUnion. They provided me a copy of my Credit Report ( which I did not want ) but did not address my problem / issue at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with Security Credit Services, LLC (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I settled an account on my credit report ( Security Credit Service ) in XX/XX/XXXX and XXXX is still showing open. After viewing this I disputed and it was not handle properly. The report came back as the account was mine, but this was not the dispute. I requested them to close it account was settled. It is still being reported as open. I contacted Security Credit Service and they informed me that they submitted that the account was closed and they did not put in a last report of XX/XX/XXXX pass due XXXX days, but it is on my report as such. XXXX continues to improperly report the credit information and refuses to recognize the settlement. The other CRA 's ( XXXX and XXXX ) has it listed as closed from my credit report immediately.

Company response to consumer: Closed with explanation