milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (NC).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Even though Comenity Bank closed my account, on X/X/2017, I contacted Comenity Bank & informed them that I was experiencing a hardship, & my paychecks were being garnished for taxes. They insisted on putting me a hardship/settlement program & wanted {$1500.00}. I informed them then I did n't have it nor really could make the {$500.00} payments for 3 months. I had received various telephone calls in XXXX, XXXX & XXXX afterwards & I informed them I really ca n't pay it. On XXXX, a rep name XXXX call & I informed him that I did n't have the money to pay the settlement amount {$1500.00} dollars that they are trying to collect. I informed him that I had lost my job & just started working back again & had several bills to catch up on including my rent. In addition, I had informed him the amount they are reporting to the credit bureaus was incorrect stating I owe almost {$3200.00} & then he stated that it was {$2600.00}. He stated in a rude manner, " well, how are you living and supporting yourself '' - " why did you set up the payment arrangement if you did n't have it ''. I informed him that I had informed that hardship people at their bank that I did n't even have that amount, that I 'm a single, divorced mother with XXXX XXXX from marriage that I am caring for & that I am about to be destitute. He still had a nasty tone & stated well I 'm going to investigate you. I hang up on the rude person. After the call I was very upset. During my lunch hour, I found a XXXX store & paid {$20.00} on the account. I travel 2 hours every day for my job & I used my gas money to pay something towards the account. Today, XXXX, an unknown number called & the rep left a message saying this is an important matter from the bank. I have never provided them with my work number. My cell phone is setup to block private/unknown phone numbers. They 2 seconds later, the same female rep called from an unknown number to my new job. My employer doe n't allow for these calls at my job. I informed her & stated that she is not allowed to call me at my job. She claimed that she can. I hung up on her. I turned around & called Comenity Bank & reported it & asked to speak to a manager, but they gave me XXXX from the Resolution Team. I explained to him the incident & the various conversations I had with their reps ; and, he claimed that they removed all my numbers. I asked him to report this matter to executive ( President ) he claims that he had sent the message to the appropriate person/team, but could not sent to the President of the Company and they will handle this information as they see fit. I 'm very upset about this. I have had other Comenity Bank Credit Cards and paid them in full. This one fell behind because I do not have the money to pay it right now because I have other debts that take precedence. They do n't care and they are rude and abusive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2016 about Mortgage (FHA mortgage) with Specialized Loan Servicing LLC (OR).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX, Personal Representative of The Estate Of XXXX XXXX XXXX Case no XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, As Trustee, Successor In Interest To XXXX XXXX XXXX XXXX XXXX, As Trustee, Successor By Merger To XXXX XXXX XXXX XXXX, As Trustee For XXXX XXXX XXXX XXXX I Trust XXXX, Asset-Backed Certificates, Series. and SLS Specialized Loan Servicing LLC RE : Estate of XXXX XXXX/ Deceased Please receive this written correspondence as a complaint and as a pleas for assistance to save my home. 

My mortgage servicing company Specialized Loan Servicing LLC neglected to decision my application for home modification assistance even though I have fulfilled all the underwriter request by sending a full XXXX multiple times. The first packet I sent was in XXXX 2015, receiving an verbal acknowledgment from the underwriter that all required documents were received, therefore I would have a decision within 30days. well a decision never arrived. The only documents I received were letters stating my home was going to foreclosure. 

Of course upon receiving a threatening letters rather than the promising one I was expecting. I decide to call SLS to check on the status of my loan. I was informed that my loan was assigned to different underwriter who now is in need of a XXXX application for loan modification assistance. I of course complied with there request and sent in another application in XXXX 2015 and just as the last time I followed up with SLS to confirm there was nothing else required. To my surprise my loan was not assigned to a different underwriter. At This point in my dealing with SLS I Can only assume the company and their staff is either incompetent at best or their in the business practice of intentionally neglecting to assist me with foreclosure alternative in oder to reap the benefits of foreclosing on my home therefore stripping the equity from another XXXX XXXX Family in a already gentrified community. 

As a Government agency established to protect consumers such as myself I am requesting immediate assistance with my loan modification process as well as holding all foreclosure proceedings. 

Thank you all in this important matter XXXX XXXX XXXX, Personal Representative of the Estate of XXXX 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 06/29/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Account opening, closing, or management

Complaint: My husband, XXXX XXXX, and I filed a Chapter XXXX bankruptcy XXXX restructuring of debt ) in Georgia on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, we filed to covert our case to Chapter XXXX XXXX total discharge of debt ). In XXXX XXXX, we incurred a debt with Suntrust Bank when our checking account was closed out with an outstanding balance. This occurred before our bankruptcy was converted, and therefore, should have been written off by Suntrust when the bankruptcy was discharged in XXXX XXXX, in accordance with U.S. Bankruptcy Code XXXX Suntrust refuses to write off the debt and report it correctly XXXX. I have provided proof that we converted the bankruptcy after the debt was incurred, and my lawyer has sent them a letter stating that, under U.S. Bankruptcy Code XXXX XXXX b ), debts existing at the time of filing under Chapter XXXX are eligible for discharge. 

Since XXXX XXXX, I have spoken with Suntrust representatives numerous times. XXXX representative told me that their bankruptcy department did not remove the debt because our original case was filed in XXXX, before the debt was incurred, and that you can not add new debt at the time of conversion, which is false. I have also been told XXXX times that they would update their records and report it correctly to XXXX. I have also been told that they received my documentation, as well as the letter from my lawyer. 

Today, XXXX XXXX, XXXX, I was informed that Suntrust had none of this documentation on file, and that all they could do was send the account back to their bankruptcy department for review for a third time. I have spoken to XXXX more representatives from Suntrust today, XXXX from their recovery department, and XXXX from litigation. The woman from recovery told me that she would send an email to her supervisor who was out sick today, and he would call me back. The woman from litigation noticed that my account had been sent to their bankruptcy department XXXX times now and asked to call me back after she could look into my account further. When she called me back, she said that it has been taken out XXXX. This is the XXXX time in XXXX months that I have been told this, and I am skeptical.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted Ditech Mortgage on XX/XX/XXXX regarding a CEMA from a refinance not recorded from XXXX. I have followed up numerous times by phone and faxed all the information to Ditech on XX/XX/XXXX, a call on XX/XX/XXXX verified the fax was received. We received a letter dated XX/XX/XXXX advising 30 days was needed to complete the request. After no information being received after that date regarding the recording of the CEMA - I contacted Ditech on XXXX/XXXX/XXXX, with my wife on the phone. We were guaranteed a phone call back, to date it has not been received, regarding the recording of the CEMA. My wife contacted Ditech for a status on XX/XX/XXXX, she was advised there were no additional notes regarding our issue since XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: I am filing a complaint against Wells Fargo XXXX XXXX, Wells Fargo Bank XXXX. 

They are in violation of the law. 

They have acted to file a Notice of Default through the XXXX XXXX XXXX in XXXX XXXX, with regards to a HELOC even though they are accepting monthly payments. See attached letter dated XXXX XXXX, XXXX. 

XXXX XXXX shared with me in a phone conversation that they received a referral from Wells Fargo on XXXX XXXX, XXXX with regards to the loan default. 

I have not received any official notice of default that I understand is required to be sent by registered mail. 

Wells Fargo Bank XXXX. has been accepting payments every month on the loan, and send monthly statements that record the payments and balance. 
XXXX attached statements from XXXX XXXX and XXXX XXXX as examples. 
I have been making monthly payments on the Wells Fargo XXXX and I have been working with the bank over a few years to set-up a plan payment. 
I am in receipt of a letter from Wells Fargo dated XXXX XXXX, XXXX which offers me options to keep the home. I have been calling the representative on the letter almost daily to approach a work-out solution, leaving messages, and he is not returning my calls. 


Because of the public notice, I am getting notified by various predators by mail and phone and XXXX mail on this matter. 

I have applied numerous times and have asked to amortize the loan over a fixed period and have offered an amount for settlement. This was a predatory HELOC loan that is no longer legal in the way it was sold to us. I have been asking for assistance from Wells Fargo since XXXX XXXX. We are constantly denied any assistance yet they keep accepting payments. 

I filed complaint XXXX with CFPB about their practices, and the company Wells Fargo XXXX. responded on XXXX and replied that the matter had been settled. This is a lie.

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 09/19/2017 about Payday loan, title loan, or personal loan (Title loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (VA).
Issue: Charged fees or interest you didn't expect

Complaint: we borrowed a total of XXXX and we agreed to 35..65 % on the loan, they are charging us XXXX finance charges for this loan, that is over 90 % charges in interest for this loan. the interest should be XXXX. I called the company and he claims its because the loan is for 4 years. so he is charging us 35.65 % every year the payments were set on the balance. also they have the titles for collateral. this happened on XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Overlimit fee

Complaint: In XX/XX/XXXX my credit card was reported over the spending limit and i lost XXXX points on credit score the problem is that i never went over my limit and call into Captial One and it was investagated 3 times and they came back and said yes it was an error on there part and could n't correct it for up to 60-90days ... I was in the process of buying my house for my children and i and should not be punish by losing my house and loan because of an error on there part. I call for 3days and keep getting the run around this is not best practices at all not to mention that they didnt report me in XX/XX/XXXX at all and had to update that information on XX/XX/XXXX. Im truly upset and surprise that a company could do this and nothing be done to fix my problem ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Trans union falsely reported a delinquent account from XXXX. The account was never delinquent and XXXX sent a proof of that.

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 11-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Transunion credit bureau, XXXX, chose to not temporary lift my security freeze, these transunion employees tried to get me to give them an additional {$5.00} from my credit card. The transaction number for the {$5.00} from XX/XX/2016, is XXXX. They understood I needed to get my credit report today for a loan. My phone number is XXXX. I spoke to XXXX today with your agency. Also, I explained to them, by law they are not supposed to even take {$5.00} to temporarily lift the security freeze because I have it placed there due to past identity and fraudulaunt activity on my credit report. Thank you for your expedited assistance in this matter. I strongly feel Transunion is extremely wrong in refusing to assist me and insisting on getting additional money from me. Sincerest, 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 02/22/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I contacted Wells Fargo a few times about this same issue. So almost a year ago i experienced identity theft when my wallet was stolen. I had not known at that time that there was a checking account opened in my name by Wells Fargo. I just now have attempted to open a checking account. After speaking to one of the nice kind bankers over there she transferred me to Loss prevention, after trying to open an account after being told from the banker that i am not able to open an account due to banking history with Wells Fargo. 

When i further asked why and explained to the phone banker that i have never opened an account with Wells Fargo. She sent me to loss prevention. Loss prevention said my accounts were closed, i advised them that i have never opened an account with Wells Fargo in my life, and that i just now have been trying as of this week. The loss prevention rep said that my accounts were closed due to me being a risk to the bank. We got into further detail and i told the Loss prevention person, that is a mistake because i have never opened an account with Wells Fargo. The loss prevention person then transferred me to identity theft operations. Yet it appears these accounts are still listed under my name, even though i was told from the Phone banker these were opened online. When we discussed that i didn't open these she stated to file identity theft, which i have already done so with the FTC. i want to be able to eventually bank with Wells Fargo but it appears someone has tarnished my name with them by opening an account and using it fraudulently. Which i was not aware of until just recently.

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 08/28/2016 about Mortgage (Conventional fixed mortgage) with Statebridge Company (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was originally with XXXX Bank. Approximately 3 months ago I received notification from XXXX Bank that my mortgage was going to be serviced by another company named Statebridge Company, LLC. On XXXX XXXX, 2016 I forwarded my XXXX mortgage payment to Statebridge. 2 days later I received a notice stating I owed a late payment fee. On XXXX/XXXX/2016 I attempted to reach the representative listed on the Statebridge correspondence as the contact person. I called at XXXX ( NYXXXX ), I was kept on hold for over 10 minutes, never reached a live person, left a message requesting a call back and to date have not received as such. 
To add insult to injury my mortgage payment has not been applied to my account. The correspondence I received shows my XXXX mortgage as unpaid yet Statebridge has my payment, the funds were deducted from my checking account. This is the same chicanery, smoke and mirrors, slight of hand XXXX that XXXX Bank used to pull. I thought the actions/intervention of the XXXX government was to put an end these companies cheating the consumer!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX).
Issue: Fraud or scam

Complaint: I received the check in the mail for secret shopping opportunity to evaluate the customer service at a MoneyGram location. After I completed the job a couple days later my bank said it was fraud. And they froze my account and would n't let me access my funds in order to pay my rent. I could be kick out soon.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX {$510.00} DISPUTED LETTERS SEVERAL TIMES XXXX {$860.00} DISPUTED LETTERS SEVERAL TIMES

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I opened an account with XXXX XXXX XXXX shortly after my XXXX birthday in 2012. A check was given to me and was deposited into my checking account. Days later I realized that my account was overdrawn due to the check being returned. I immediately paid the fee and covered the deposit with my account. A week later I received a letter from XXXX XXXX XXXX informing me that my account was being closed due to fraud. I never committed an act of fraud. XXXX XXXX XXXX has reported me to credit and consumer bureaus for fraud. This has resulted in adverse harmfull action against me from the financial world. I CAN NOT open a account with any financial institution. I have tried to resolve the issue with XXXX XXXX XXXX for the past 3 years unsuccessfully. I attempted to resolve the issue with XXXX and XXXX systems directly but they report that XXXX XXXX XXXX is standing by the fraud claim with no evidence to substantiate the claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Student loan (Federal student loan servicing) with TRANSWORLD SYSTEMS INC (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: In XXXX I found out through being Executor of my Mother 's estate that there were outstanding federal student loans in my Name that were in default. I made arrangements through the Estate Lawyer ( XXXX ) to make payments to the Debt Collector Transworld System. At the time of the agreement, I was told that if I made 10 consecutive payments I would exit the default rehabilitation program. It is now 15 payments with no word from either Transword of the Dept of Education as to exiting the Default program- with my hope to have a more favorable monthly payment. I have called Transword twice and was told that my account would be transferred to US Dept of Education no later than XX/XX/XXXX That has not happened and I just got another notice from Transworld of their intention to deduct another payment on XXXX/XXXX/XXXX. 
Recently, my company told me that my job is being outsourced by the end of XXXX, and I will not have the financial resources to pay what I am currently paying. 
So in the end, I need my account as stipulated at the beginning out of collections as I have more than satisfied the requirement of 10 months. As of this writing it is now 15 months. 
With the prospects of being unemployed I do need to engage the US DEPT OF EDUCATION to renegotiate the amount I can truly pay given the change in employment. 
XXXX Borrower # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: XXXX-Balance transf {$6600.00} XX/XX/XXXX. Trans fee {$200.00} XX/XX/XXXX int charge {$46.00} XXXX called AMEX..was a blance transf with no interest. They will take care of it. 
Rec letter dated XXXXthey are working on it. 
XX/XX/XXXX Int charge {$81.00} XXXX called and spoke to XXXX. She sees I called before. They are still working on it. 
XX/XX/XXXX Int charge {$82.00} XX/XX/XXXX called and spoke to XXXX. Put on hold. She spoke to supervisor and got authorization to process adjustment of {$200.00} Didnt see the adjustment so on XX/XX/XXXX called and spoke to XXXX.he told me they are working on it. I asked to speak to a supervisor. I talked to XXXX and again explained it should be an easy fix. My statement shows the {$6600.00} as a purchase not a balance transfer. She said management is aware of the problem. I asked to speak to management. She put me on hold and came back and said they werent available but could call me back. After a 27 minute call with no results, I said no thanks. 
XX/XX/XXXX Int charge {$73.00}

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm a victim of identity theft someone else took my information and opened up lots of accounts in my name that I did n't even know of until I check my report and saw all of it, this is really XXXX me. The name of the company is XXXX XXXX,

Company response to consumer: Closed with explanation