milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/26/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I neither affirm, nor deny this purported debt. You claim I owe XXXX XXXX XXXX the amount of {$100.00}. 

This letter is being sent to you in response to an entry made on my Credit Report dated XX/XX/2018. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.

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 01/20/2016 about Mortgage (Other mortgage) with Pacific Home Loans, Inc (CA).
Issue: Settlement process and costs

Complaint: We received a letter dated XXXX, 2015 that the buyers of our property were pre-approved for credit with Pacific Home Loans, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. ( XXXX ) XXXX. 
The buyers XXXX XXXX XXXX XXXX agreed to purchase our home, and we went into a 60 day escrow, starting XXXX XXXX, 2015. At the end of escrow, we were informed that they did not qualify to purchase. We moved thinking escrow was over in XXXX, which our realtor XXXX XXXX XXXX said they had heard nothing, that the escrow was going as planned. The buyers are now backed out, and are not paying the EMD deposit of {$3500.00} to us. We now have to pay all the bills for XXXX places, which is unfair. XXXX Home Loans should have let us know before escrow ended. We would not have had to move so soon. 
The property address that they were purchasing is XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We are still trying to sell the home. We would like to file a complaint against XXXX XXXX XXXX & request they pay us the {$3500.00} that was due to us. If not, we will be forced to file a court case. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX ( XXXX ) XXXX ( XXXX )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I received 2 emails saying I had not made a payment and I did. I even have the confirmation number # XXXX. I did not received a statement in the mail for this month, I called to report it. I received calls, one of them was on XX/XX/2017 @ XXXX during my working hours, when I specifically answered on my paperwork not to contact via phone, I chose the method of contact by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN MORTGAGE. Ocwen sent escrow shortage notice XXXX/XXXX/15 reporting XXXX {$960.00} amount. I paid this amount in full and payment was credited to my account as Escrow Payment on XXXX/XXXX/15. Received statement dated XXXX/XXXX/15 for XXXX/XXXX/15 payment and Escrow amount was listed as {$370.00}. On XXXX/XXXX/15 Ocwen processed a payment which included an escrow payment in the amount of XXXX {$960.00}, the full payment including this escrow amount was deducted from my checking account. The amount deducted was in excess of @ {$580.00}. Fortunately I had the money to " float '' Ocwen 's accounting mistake. If I did not have the extra funds in my account I may have been charged excessive bank fees, erroneous credit reporting, and ridiculous amount of time and effort for the inept activity of Ocwen. Currently Ocwen is reporting on statement dated XXXX/XXXX/15 I again owe XXXX {$960.00} for escrow. I contacted Ocwen XXXX/XXXX/15 and spoke with Escalated call rep XXXX who is researching my complaint and reports my information is correct regarding the error in the escrow amount and once review is completed I should expect a refund check within 5-7 days ... ... ... ... ... ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Despite consistent contact with Sallie Mae and efforts to negotiate affordable payments with them, they continue to use hostile collection tactics with me. They refuse to even attempt recalculating my monthly payment after submitting paystubs that show my monthly income to be around {$2000.00}, while the monthly payment they are requesting are over {$260.00} per month. This is well over what I can afford, and they refuse to negotiate an affordable payment in any way, while repeatedly calling and asking for immediate payment while redirecting me to numerous collection agents as I attempt to find someone to negotiate affordable payments with. I understand the obligation of this debt, and wish to honor that obligation, but I can not sustain the payments they are requesting without placing a severe financial burden on myself and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Regarding PMI : we paid up front at closing to not have PMI on our mortgage with the understanding that it is cancelled at 80 % LTV ratio. Four years later when we reached 80 % Wells Fargo will start charging PMI until the LTV reaches 78 % or we pay about {$550.00} for a Wells Fargo appraisal to verify loan value has not diminished. Wells Fargo will not accept a property tax statement as proof of house value. Please help to make it allowable for Wells Fargo to accept a property tax statement as home value instead of demanding their service.

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 11/22/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Deposits and withdrawals

Complaint: My bank, Wells Fargo, made an unauthorized withdrawal from my checking account, in the amount of {$1500.00}, on XXXX/XXXX/2016

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 12-07-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: From what I remember correctly was XXXX XXXX was charging me for something I have not purchased. Which is why I refused to pay. Given at the time I was younger and not really in tuned with the consequences. I should had paid first than dispute but I simply refused to pay for something I did not purchased. Finally I just got agitated, called the company, paid it off i full and closed the account. I did not want nothing to do with them.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax, in the course of collecting personal information for use in credit reporting, was negligent in the storage of this information and as a result, my personal information, including but not limited to my name, address, and social security number were compromised. The net effect of their negligence is that for as long as the compromised information is a core part of the credit reporting system and financial system, I will be vulnerable to fraudulent activity and identity theft. Even with over a month passing since their discovery of this data leak, Equifax is unprepared to take any effective remedial actions. Their website is unable to process requests to freeze my credit. They also have not coordinated with other credit bureaus to allow me to freeze my credit without paying a fee for each freeze and unfreeze. Their phone system is ill equipped to handle the call volume as a result of their failure and they have effectively left me on my own with my personal information exposed. Equifax has offered limited credit monitoring services, but these would only notify me after someone has used this information ; it does nothing to deter the usage of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit card () with BARCLAYS BANK DELAWARE (WA).
Issue: APR or interest rate

Complaint: On XXXX XXXX 2016, I paid off the balance of my account of XXXX . At that point on XXXX XXXX I had a XXXX balance on the account. 3 weeks later, there was a finance charge assessed to the account of about XXXX . Thinking I had paid this off, I did n't use the account again and put that cred card in a drawer. 5 months later I get letter in the mail saying that they were closing my account and it was past due XXXX . They kept penalizing for a residual finance charge. I was never contacted about any sort of late payment by phone, text or email Every other credit card company I have ever dealt with has always contacted me and to let it go 5 months with out contacting me is crazy! Not only that but every other credit card company waves residual finance charges. I 'd have been more than happy to pay the XXXX finance charge, but they did n't inform me that they made a charge to my account ... by even something as a statement.

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 08/25/2017 about Debt collection (I do not know) with National Credit Systems,Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have requested that this creditor provide VALIDATION of the account they are attempting to collect on, and they have not done so. I requested on XX/XX/2017 and I have not recieved any correspondence as of yet. It has been approximately 63 days. The collection amount is listed on my credit monitoring site for {$5500.00}, and I was never made aware of such debt in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Stolen identity credit card open in my name on XX/XX/XXXX15 XXXX XXXX XXXX XXXX XXXX Amount XXXX Attached is a copy of police report

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Sent a transmittal letter saying a account has been placed with agency for collection. I am a XXXX year old women and spent most of my time XXXX. It is not possible for me to have a debt of {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. ().
Issue: Application, originator, mortgage broker

Complaint: In 2008 I was awarded a judgement against Washington Mutual and XXXX XXXX in 2008 in the XXXX Cook County Courts for predatory lending and origination and servicing fraud. Two months later Washington Mutual went into bankruptcy and the FDIC became the receiver. I submitted a Proof of Claim and was approved. However up to now the FDIC has not had the funds to make me whole. They claim that XXXX XXXX has a XXXX dollar claim and have no additional funds available for smaller creditors. What options are available to me as a small claimant, the judgement being less than {$50000.00}? Senator XXXX 's office has contacted the FDIC on my behalf to get this information for me, but has been unable to do more. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (GA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have been attempting to arrange a payment plan that i myself could maintain. While in doings so I have recieved the run around via telephone for months when trying to communicate payment arrangements and/or agreements. I have tried communicating with them atleast once a month upon my first letter to start repaying this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I called Wells Fargo this morning since I was told last night I was sent to their Lost and Found Department. 
I was told my account is on hold. I was never given an explanation as to why my account was flagged in the XXXX place. 
I called and spoke with XXXX in the Executive Office Banker # XXXX of the Lost and Found Department. 
When I asked her what the problem was, and why my hold is on hold. She processed to read to me several times that Wells Fargo can terminate my account at any given time for no reason. She kept repeating the same phrase. She was unable to provide any direct examples, or point out any issues what so ever. 
XXXX, I get paid and get deposits. This has been the case for months. I have never been advised by Wells Farog that there is any issue. I attached copies of my current bank statement as of this morning. You can see my transactions, and there is no issue whatsoever. 
Why I am being discriminated against? 
Why can I NOT bank in peace like everyone else? 
Why is my account being flagged for no reason? 
XXXX has given me a hard time because she felt like it. So, who is advising her to do so? It must be nice for her to do as she pleases with my bank account. 
It seems to me this is being done so that I have financial hardship for no good reason. 

I have attached XXXX photos. 
1 of current bank statement with current purchases all of which are normal. There is nothing outstanding or strange on my end. 

2. A photo for which shows that I am directly blocked from accessing Wells Fargo Website. Why? Why am I being blocked from banking with Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$10.00}, XXXX with XXXX, XXXX and Transunion credit reporting agencies. I requested verification of the debt and account however XXXX failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

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 06/20/2016 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Account opening, closing, or management

Complaint: HSBC closed checking account without any reason and refused to issue the bonus for account opening. From my side I made everything to fulfill the offer requirements ( funded the account in right time and amount, connected direct deposit ) Also I have sent requested documents, multiple emails and made a lot of calls to HSBC ). 
Whole story : In XXXX, XXXX I opened HSBC XXXX account.It was opened with the following offer " Open an HSBC XXXX relationship with a balance of {$10000.00} or more in new funds and receive a {$350.00} bonus ''. I funded the account with {$10000.00}, later I set up a direct deposit to it. Everything was fine. Sometime in XXXX, XXXX I received voicemails from HSBC and a mail which indicated that HSBC need some documents from me and that account could be closed if I do not provide the information. First, I was surprised why HSBC opened and let me fund account if HSBC does n't have required information. After calling HSBC I had an email from HSBC with a documents request. It was on XXXX XXXX, XXXX. I replied the same day and requested documents were attached. I have never got any kind of confirmation or reply. I sent multiple emails asking for confirmation to that person and to XXXX '. I have never got a response.Sometime later the account was closed and I received a check. I called Customer Service to figure out what is going on. They opened a complaint for me. ). I called HSBC Customer Service multiple times but they said that they are unable to resolve this issue and that I do need to contact executive office. I contacted HSBC executive office and you were unable to explain why no one acknowledged receipt of requested information. You also mentioned that " The Bank also has the right to close your account at any time for any reason or no reason. '' On XXXX/XXXX/XXXX I 've contacted HSBC executive office asking for the above mentioned {$350.00} bonus. As per HSBC response " To clarify, the checking account application was never approved. '' My concern is how HSBC allowed me to fund HSBC Checking account if it was never approved. The transactions to HSBC Checking account ( all accepted ) : XXXX/XXXX/XXXX XXXX ( Direct deposit ) XXXX/XXXX/XXXX XXXX ( Direct deposit ) XXXX/XXXX/XXXX XXXX ( Direct deposit ) XXXX/XXXX/XXXX XXXX ( Direct deposit ) XXXX/XXXX/XXXX XXXX ( Initial deposit ) From my side I made everything to fulfill the offer requirements ( funded the account in right time and amount, connected direct deposit ) Also I have sent requested documents, multiple emails and made a lot of calls to HSBC ).

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit reporting () with General Information Services, Inc (MI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I was hired by XXXX and two days after being hired, and doing work for XXXX, was told I had to be sent home because I had apparently falsified something on my application. I was provided a copy of my consumer report from GIS, the company that runs the reports for potential employees, and discovered XXXX issues : Another person 's name, " XXXX XXXX '' was under my SSN, and also my criminal history was being held against me as being falsified for not supplying any information ( their online application did not ask me to submit my criminal history, just to consent to a background check, and on my consumer report this is listed as " not provided / non-applicable '' ). I was told I had 5 days to dispute these findings, but was notified by XXXX that I was already terminated based on these findings before any disputes were even reviewed. I faxed GIS a dispute form with a copy of proof of identity ( my Social security card ), and mentioned several times the application process never requested my criminal history ( all of which was disclosed at the interview anyway ). It has now been 5 days, and I have not heard back from them and I still do not have a clear answer from either GIS or XXXX as to what was " falsified '' on my application, so my attempt to prove or disprove anything within the report is speculative at best. I have faxed, called, and emailed both companies at several levels, and still received no explanation for what they believe was falsified, and have been told multiple times that I am already terminated because of information found in my Consumer Report provided by GIS, despite the review process not even being completed yet. This is against my rights under the FCRA.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I currently have a Citibank credit card. I had the usual no interest for the first year. I unfortunately didnt pay it off prior to the year end. That was XXXX. I am still getting charged XXXX dollars a month, or more, on purchases made prior to XXXX. This is going on nearly 4 years. They also charge me another XXXX dollars per month for regular purchases. At the most, I expected a year of paying the price for not paying off my debt from XXXX. This makes it almost impossible to keep the limit down.

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 03/21/2018 about Debt collection (I do not know) with ERC (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: They are keep calling to my work. I don't think is appropriated. is constant, I already told them, I can loose my job if the keep calling,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I have sent numerous Qualified Written Requests to Bank of America on behalf of a client of mine. They have never acknowledged receipt of the letters, nor provided the information I requested. I have sent these letters to the correct address : Bank of America , N.A . 
Customer Service CorrespondenceXXXX XXXX XXXX XXXX, CAI have also asked for simple information. I seek only to know the identity of the investor or owner of the loan, and contact info for that person or entity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation