milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/29/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: After years of trying, in XXXX of 2013 Wells Fargo finally processed a loan modification ( after the MHA helpline intervened ). Unfortunately the modification as not done properly and instead of being " current '' once the modification was executed the mortgage was already thousands of dollars behind. While working patiently with them to resolve the problem I discovered that they had apparently changed the terms of the modification after I signed and sent it in, increasing the interest rate and adding a {$75000.00} balloon payment due at the end of the loan. After being recently laid off I applied for a HAMP deferrment and the application was being processed, but after I insisted on receiving answers about the XXXX modification being changed Wells Fargo sent me a letter saying my HAMP application had been withdrawn at my request ( it had not ) and they placed my condo into Foreclosure status and set a sale date for this tuesday without telling me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (TX).
Issue: Problems when you are unable to pay

Complaint: My husband and I purchased a vehicle through American Credit Acceptance ( ACA ) in XXXX 2014. In XXXX 2014, my husband was laid off. We immediately contacted ACA who advised that we did not qualify for a deferment, due to the loan being very new. We struggled to make payments and over the course of the next couple of months set up auto draft payment arrangements trying to stay afloat, wherein we were misinformed about the amounts needed to stay out of the repossession stage. After receiving additional collection calls, we were informed that the payments we 'd made went to late fees first, rather than pass due payments, which resulted in partial payments being applied and further delinquency ( we were totally lost and confused at this point ). From XXXX to XXXX several collection reps gave us different amonuts we needed to pay in order to become eligible for a XXXX month payment deferment. Each XXXX stating, '' Just pay this amount and we 'll get you deferred ''. Well after complying XXXX times, XXXX months and getting nowhere, we escalated to a supervisor in early XXXX. She apologized assured us that everything was okay and to make a {$420.00} payment through XXXX to stop the repossession status, call back immediately with the reference number and she would setup a XXXX month deferment to get us caught up. We went to the closest XXXX station inside our local XXXX immediately, made the payment and called back. Once again assured that everything was fine. We proceeded to get some things in XXXX and when we came out to get in the car, it was gone. We tried for months to get some help. The once courteous and optimistic Supervisor would not return our calls and no one would help us. We just received a collection notice advising that the vehicle was sold for XXXX and we owe them XXXX in remaining balance/fees. This company strung us along for several months and used unfair collection practices, like agreeing to false deferment options, to only collect payments and pinpoint our location to reposess our vehicle. As such, we would like to file a formal complaint against this finance company. This experience has been very stressful and put us in a very difficult situation. My husband did find work, but struggles everyday to get there. Please help us! 

Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Consumer Loan (Vehicle loan) with Sierra Holdings LLC (PA).
Issue: Managing the loan or lease

Complaint: I purchased a XXXX XXXX XXXX in XXXX XXXX. I have made 2 payments so far but Sierra is reporting an increase in my original balance. My original balance was {$16000.00} but Sierra reported an increase to {$16000.00} on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit card () with DISCOVER BANK (NC).
Issue: Other fee

Complaint: myself and discover credit services had an agreement that I would pay {$76.00} a month till my account was paid down. This amount was automatically withdrawn from my account each month excluding one error on Discover Banks side. I cancelled two payments with Discover for the {$76.00} because the amount had already been paid prior to the due date this last month/ end of XXXX. Early XXXX I paid off my account. I then go to check my account and I see that my statement this month I have {$76.00} in fees. I was charged a late payment fee and a returned check fee for a cancelled payment. that was never supposed to post. Both confusing to me I contacted Discover and they list no explanation. The worst part of this is I spoke with Discover last week when making payments and they told me I would have no issues. Now I get a {$37.00} fee for not making my full minimum due even though I paid above the agreed amount. In fact I was less than {$25.00} short of the minimum payment and no one ever mentioned I needed to pay the final amount or I would be charged a fee. In fact I stayed on the phone for an extended span of time so I would n't be charged a fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: I disputed these Items several times with Equifax did not compile with the State Attorney General Settlement Agreement and 609 letters. Please note : Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : Equifax has refused and I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd pa rties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Bank account or service (Other bank product/service) with FIRST CITIZENS BANCSHARES, INC. (NC).
Issue: Using a debit or ATM card

Complaint: XXXX has installed chip readers at its checkouts. If your credit card has a chip the device will not allow you to swipe the card. Once you insert the chip the device asks for your pin. There is no way to process the transaction as a credit card. You are forced to use your debit card. This deprives the consumer of the customary protections credit cards provide and unfairly enriches XXXX by eliminating swipe fees.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: As a result of the financial crisis inXX/XX/XXXX, I was hit hard after just purchasing a home. I got married in XX/XX/XXXX and moved to a larger home since we both had children. My old home was listed for sale but did not sell since property values were dropping. I used two XXXX credit cards to help pay for electric and heat and mortgage while I tried to sell it. One account rose to over {$12000.00} and the other to over {$17000.00}.
The two accounts were written off a few years ago. This past year, I tried contacting them to " settle '' in order to improve my credit score. I hired an attorney to help me with this. The attorney pointed out that the Statute of Limitations had expired on both accounts since my last payments on both accounts were in XX/XX/XXXX. I filed disputes with the three credit bureaus. One removed the two Chase accounts from my file. Two others, Experian and XXXX, have not done so. I have filed disputes each of the last three months. The dates they show of last payment are incorrect. They have provided my attorney with true and accurate earlier dates. I have advised them of this and both accounts continue to show in my reports. I need them removed. I have specifically pointed out that the date of last payment they show is incorrect and I have told them they need to check, update, and remove. I believe they have not checked, but simply looked at the erroneous date and accepted is fact. What they should have done is researched the date of last payment, fixed their errors, and removed the two accounts from my reports.

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 10/19/2017 about Mortgage (Other type of mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Incorrect information on your report

Complaint: On or around XX/XX/XXXX my state was hit by Hurricane Irma Around the XXXX I called my mortgage servicer and informed them I would need a forbearance. Currently the forbearance is being offered to anyone in Florida. 
My home is in a mandatory evac. zone and has incurred approximately 100,000.00 of damage. Around XX/XX/XXXX I checked my account and saw my servicer had drafted my payment. At that point I called and never received a follow up. Ive sent 5 emails and two registered letters ( attached ). 
Around XX/XX/XXXX I called " XXXX ''. 
They finally made contact and pushed the servicer to agree to the forbearance verbally for XXXX, XXXX XXXX. 
Today I became aware that they are labeling my acct as past due. 
I 've made several attempts to no avail. 
I need help on this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. Someone used my personal information to obtain credit. I am disputing the items on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Credit decision / Underwriting

Complaint: I applied to Wells Fargo for a XXXX home mortgage. After submitting all documentation, they preapproved me to proceed. While in attorney review, they were delaying my mortgage commitment for no apparent reason, however offered numerous written assurances that our commitment would be forthcoming. 

After my contractual commitment to have a mortgage expired with the seller, WF informed me that they could only finance my loan as a conventional mortgage. They further assured me that they could meet my fund request of XXXX % loan to value but the interest rate would be .5 % higher. 3 weeks later, they told me that they could only fund XXXX % of the purchase. I had to proceed or risk losing a substantial amount of escrow. 

WF tactics of aggressive salesmanship caused me to incur substantial risk and damages since I had to proceed to closing by using funds from my IRA, with penalties, as well as forcing me to refinance immediately, and incurring substantial closing costs. 

Although WF agreed that their processor misstated her ability to receive a commitment and created a false level of expectation, they did not agree with my claim for damages since I could have declined the loan offer. They refunded my application fee of {$950.00}. 

My complaint is that my loan processor withheld full disclosure in order to keep me from cancelling the loan. They knew I had another lender however by the time they informed me of their final underwriting decision, it was too late to change lenders. 

The XXXX recently reported that WF has been fined for illicit sales practices and I believe my case is similar.

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 09/27/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Struggling to pay mortgage

Complaint: XX/XX/XXXX third court date for XXXX XXXX XXXX XXXX for Motion for relief from automatic stay. They sold our property on XX/XX/XXXX for {$240000.00} back to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as trustee for the  certificateholders of the XXXX XXXX initial publication of the Notice of Sale was : $ XXXX.Mortgage Servicer Specialized Loan Servicing failed to evaluate or consider our loss mitigation application giving us the runaround about paper work sent or not sent and foreclosed on our loan knowing we were in default. Than a notice of sale was posted on our door .Statement fees and balances change drastically due to dual tracking and being put in foreclosure prior. On XXXX website ( XXXX ) house states sold on XX/XX/XXXX for {$240000.00} asking price XXXX They state its a 3 bedroom 2 baths with 2 units.Its in fact 1 bedroom NO garage NO 2 units. XXXX  states same and XXXX {$300000.00}.
Why would they keep asking for the courts blessing of the sale it was supposely SOLD legally?

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 06/27/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: All transactions occurred XXXX XXXX XXXX. Accounts were opened with Comenity Bank at XXXX, Victoria 's Secret, XXXX and XXXX. Amounts were XXXX XXXX, Victoria 's Secret XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2017 about Payday loan, title loan, or personal loan (Installment loan) with CURO Intermediate Holdings (TX).
Issue: Charged fees or interest you didn't expect

Complaint: My loan was paid off XXXX XXXX, XXXX. The company is trying to say that I owe another payment and XXXX and something in interest. They pulled XXXX out of my bank account on XXXX/XXXX/XXXX. I never received any notice that I owed any extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: There is a Capital One credit card ( with XXXX missed payments ) listed on my report that I never opened or used.

Company response to consumer: Closed
Consumer complaint received 08/18/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CO).
Issue: Account opening, closing, or management

Complaint: Applied for and was approved on XXXX XXXX for a Citigold Checking Account using the promotion code XXXX. This promotion included XXXX XXXX XXXX miles to be granted upon completing {$1000.00} in debit card purchases and two bill payments within 3 months of the account opening. I completed these stipulations on XXXX XXXX 2016. When I had opened the account I called to confirm the promotion was attached and that after I met the minimum requirements I would receive my XXXX XXXX miles, which was confirmed chat with a citi representative. I sent a message to confirm that I would be receiving the miles and was told that because I was n't targeted directly for the account they would not be honoring the initial promise. I tried a second time resolve this matter and was again told they would not be honoring their promotion.

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 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Recently, I started trying to establish credit by applying for credit cards. The various companies in which I applied for credit sent me decision letters stating that credit could not be approved as they could not confirm my identity.   Moreover, I was notified that my social security number was being used by someone trying to collect death benefits.     I am definitely NOT deceased and very much alive!   Attached are copies of my social security card and state ID.   Please note that I am not to be confused with my father, who has the same name!   My information should read  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 04-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was checking my credit report and I realesed this agency claims I have an account with XXXX and I owe them {$370.00} even though this debt is n't mine and I have not been contacted by this company about said bill. my credit is starting to decline and it is crippling my chances on finding employment

Company response to consumer: Closed
Consumer complaint received 07/29/2016 about Mortgage (FHA mortgage) with LENDER LIVE (FL).
Issue: Credit decision / Underwriting

Complaint: I recently refinanced my FHA mortgage to a conventional mortgage to get rid of the PMI, However when it was time to closing I realized that my FHA mortgage holder was collecting two months of interest and two months of PMI, whoever they were paid in 6 weeks and they did n't give me a refund for the extra 2 weeks paid, perhaps they collected for the month of XXXX and XXXX but they were paid off on XXXX XXXX, I believe they owe my the interest and the PMI charged for the last two weeks of XXXX, I have called but their customer service does n't seem to be too helpful trying to tell me that my refund was already issued, however all they ever sent me was my Escrow account balance not a penny extra.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have been receiving collection notices from XXXX different XXXX collection companies, attempting to collect this amount, for at least a year to two years. 
The first company failed to validate the debt and ceased communication with me when it failed in its duty to validate. After there were no longer communications with this company, I received a second set of collection notices from a different debt collection company seeking the same amount of money. XXXX obviously sent the alleged debt off to a different debt collection company when the first was not successful. 
Again, I asked in writing for validation of the debt from this second company as required by law. The validation failed to identify the debt 's particulars in order for me to determine if it was a valid debt. After I pointed this out in writing to the debt collection company, it sent me a letter stating that the debt would not be collected upon and that my credit report would not reflect that the debt was under collection. I assumed XXXX would honor this resolution. 
Today, XXXX is trying to collect this alleged debt from yet again a third debt collection company -- even after a finding by its own debt collection agency that there is no valid debt and that the debt is off my credit report. 

XXXX continues to try to collect this debt despite my attempts to learn more about it ; contest it again ( at least six times already, including times with XXXX directly and despite a finding in my favor by its second collection agency ). I also contested this debt when it was directly an issue between me and XXXX. XXXX continues to hold this debt against me, continues to harass me with different debt collection agency notices, despite findings that it is not my debt from their own agents. Furthermore, XXXX continues to carry this debt in its accounts as delinquent. 

This third collection agency sent me a letter within days after I called XXXX to look into changing my service with it. XXXX said it could not change my service unless I paid this old, contested bill. That was when I found out it was still on my records with XXXX. It continues to share information wrongly with debt collection agency after debt collection agency. What is even more egregious is that XXXX used my communication with it for different service to reassert the alleged debt, and also to deny me a change in my service. Fortunately, I did not agree in writing to change my service with XXXX at that time because of XXXX anemic business practice history with me, both personally and through my business.

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