milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MS).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: In XX/XX/XXXX I informed Wells Fargo that I was hospitalized at XXXX  XXXX in XXXX. 2 days later Hurricane Harvey hit. I made partial payments as promised. They closed my account XX/XX/XXXX and even attempted to collect from my savings account causing that account to be closed. Now Ive been hit by Hurricane Nate at my own residence. I have tried to discuss this but to no avail, I keep getting transferred and spoke to 3 different people who could not help me on my last phone call. A similar thing happened to me with Wells Fargo on my business account. I was a victim of fraud-it took the bank longer than 30 days to investigate and they closed my account, although it was shown that I was indeed a victim of fraud. Not to mention, my account has been compromised so many times and I am the victim. Wells Fargo has been my bank since aroundXX/XX/XXXXand loyalty to customers obviously mean nothing to them. I have been harmed by their actions and was just notified tonight via email and online message that my accounts were closed. This is unfair and unscrupulous. I am a military spouse as well and this should never happen to a customer. Then they refuse still to work with me while Im experience such traumatic losses.

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 monetary relief
Consumer complaint received 03-03-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax reinserted previously deleted information on my credit report. The following accounts was previously deleted from my Equifax credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, MN Child Support Enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have tried to get my student loan status updated since XXXX 2015 at which time I was approved for a XXXX Discharge with the Department of Education. I have disputed these accounts with Equifax several times to no avail. They have violated the FCRA by continuing to report inaccurate information on my credit report. I spoke with XXXX XXXX Department and they once again reported my student loan accounts as paid in full on XXXX XXXX, 2015. As to date Equifax has failed to update my credit reports, I am now requesting all student loans on my credit reports to be deleted as they have continued to cause me financial harm by violating the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit card () with ENCORE CAPITAL GROUP INC. (TX).
Issue: Other

Complaint: A debt belonging to an ex-spouse resulted in a lien against my house. I have been divorced for 4+ years. The divorce decree states the debt is her sole responsibility. The debt is in her name ( I am not part of the original contract ). Her name has been removed from the property and has been confirmed by county records. The company Midland Financial refuses to speak with me regarding the matter because my name is not on the account. I am not looking for anything more than getting the lien released from my property since the debt is not mine in any way. Attorneys say they can not help me and the county says there is nothing I can do, but there is no way this can be right? I need your help because I do n't have the money to afford extensive litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2015 about Mortgage (Conventional fixed mortgage) with NEW DAY FINANCIAL, LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: New Day USA is conducting a plethora of television ads. According to the ads, the spokesperson claims to be a retired Admiral who is now " chairman '' of New Day USA. The ads also say that the company is an LLC. I understand that the highest title in an LLC is " managing partner. " I believe that New Day USA is trying to convey that they are something more than what they are while taking advantage of veterans like me. 
Below, I am required to state to which part of the mortgage process is the complaint related. I am not applying for a mortgage loan. I notice the incongruity while I see the ads, and I think it 's wrong to appear as a non-profit ( chairman ) when they are only in business for profit. Given the amount of advertising they are doing, they have to be making a ton of money. That admiral ( if he really is an admiral ) should be in jail.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Money transfers (Domestic (US) money transfer) with American Payment Holdco, Inc. (DC).
Issue: Other transaction issues

Complaint: A friend transferred money to me using Popmoney. First, the email notifying me of he transfer was not marked as coming from Popmoney so I did not see it looking for Popmoney as the transferor had identified it. After a thorough search of my emails I found it XXXX days later. When I tried to collect my funds, the website was nearly impossible to use. First, when they sent my an email that was supposed to contain a PIN number, the email did not include it. I was wise enough to try a second time and only on the second try did the email contain the PIN number. Next, they needed my birth date but the only way to select my birth date was to click a back arrow through 65 years at XXXX month per click..When I finally reached the point where I could attempt to deposit the funds, the menu to select the destination account listed the account but it was not clickable. Finally I called Popmoney and was informed that their mobile website has not been working properly and I would have to go to a non-mobile device to complete the deposit. Fortunately, I am a wealthy individual who has both mobile and non-mobile device so I was able to complete the transaction.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am a credit card account holder with Chase. My card card account was compromised ( fraud ) by a company named XXXX XXXX XXXX with a listed address XXXX, NY XXXX and a phone number of XXXX ( on my account statement ). It unlawfully charged my credit card for {$14.00} on XXXX/XXXX/XXXX and it posed on XXXX/XXXX/XXXX. The Company appears to be a music streaming service. When I researched the company, on one site, I saw that several ( probably thousands easily if you multiply account holders that do n't check their statements ) Chase account holders have been victims since XX/XX/XXXX. On website showed similar fraud dating back to XX/XX/XXXX and several in XX/XX/XXXX. I called Chase customer service and spoke with their Fraud division on XXXX XXXX, XXXX. 
After they agreed to remove the charge, I asked the fraud dept. rep. why they did not contact their customers to advise them their cards were compromised and was advised an investigation is ongoing. I again asked if it made sense to alert customers that their personal information has been compromised ( possibly via a data breach ) or contact law enforcement and was told the investigation is ongoing. While they spend years investigating, people are becoming victims of fraud and identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/29/2015 about Mortgage (Conventional fixed mortgage) with Lustig, Glaser & Wilson, P.C. (CT).
Issue: Loan servicing, payments, escrow account

Complaint: We are trying to get short sale approval for a XXXX lien. The loan was with XXXX, then service released to XXXX XXXX XXXX XXXX XXXX XXXX, then on XXXX/XXXX/15 service released again, this time to Lustig, Glaser & Wilson. I 've put in XXXX calls to Lustig 's office, and have sent an Authorization to Release to Lustig 's office XXXX times. They say they have XXXX of new files, and so maybe it has n't loaded into their system yet. They say there 's nothing they can do to assist in finding the loan. We have XXXX lien approval and must get approval from this XXXX lien to close. Please help!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I placed a call to Capital One customer service on XXXX/XXXX/XXXX to request a waiver of the annual " cardmember fee '', which had been charged to my account on XXXX/XXXX/XXXX. The representative explained to me that I could avoid the fee by converting my account from the " Quicksilver '' card to the " Quicksilver One '' card. I agreed to convert my account and the representative told me that I should be able to view my updated account information online within five business days.

I received and activated the new card about two days later ( Around XXXX/XXXX/XXXX ). My online account did not indicate that I had been given a credit for the cardmember fee when I checked on XXXX/XXXX/XXXX. 

I placed another call to Capital One customer service on XXXX/XXXX/XXXX to ask why I had not been credited for the cardmember fee. XXXX, the customer rep, explained that I was expected to pay the fee according to Capital One policy. At this point, I questioned the logic of having to pay a {$39.00} annual fee for a card that I had for a mere four days ( from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX ) and was transferred to XXXX ( XXXX 's supervisor ). 

XXXX proceeded to tell me that there was nothing he, or anyone else at Capital one for that matter, could do to waive this invalid fee from my account. The only option he presented was for me to close my account, which he claimed would prevent me from incurring the fee. I asked to speak to his supervisor and was rebuffed. 

I can understand paying a prorated cardmember fee for the four days I had the card this year. I ca n't wrap my head around paying the entire fee. It seems very unfair and Capital One is completely unwilling to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Struggling to pay mortgage

Complaint: Our mortgage company is now called XXXX.XXXX. We requested our mortgage payoff on XXXX/XXXX and the company told us it would be received in 2-3 business days via email. We called back on XXXX/XXXX to check the status and the company told us no such request was made or they did n't have it on file so a new request for a payoff was made. Since then, multiple calls have been made, no email has been received. On XXXX/XXXX, another call was made requesting the payoff amount and verifying two email addresses that they should be sent to. I was told the email would be sent in regards to the payoff amount. Still, no email. Today I spoke to a supervisor, who told me she only received the request for the payoff amount on XXXX/XXXX and I told her it was originally requested on XXXX/XXXX. She said she would try and expedite it and due to our mortgage being behind, it essentially was a more complicated process. We simply can not get a straight answer and are running out of time. All we want is our mortgage payoff amount.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Chase mortgage did not apply my bankruptcy payments properly.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Trouble during payment process

Complaint: I contacted Wells Fargo ( WF ) Home Mortgage in the XX/XX/XXXX to discuss my options to drop my PMI because I had made structural improvements to the home. I originally put down 10 % so I have to get below 80 % LTV to get the PMI cancelled. This done by ordering an appraisal through WF by a third party company, XXXX XXXX, to avoid any conflict of interest. WF incorrectly informed me that I had to wait two full years before ordering the appraisal which would be XX/XX/XXXX. I had a feeling that this was wrong so I called back again in XX/XX/XXXX and was told that there is no waiting period so I told them that I would like to order the appraisal. I told them about my experience and they agreed that I was given the wrong information so they agreed to pay for the appraisal cost ( {$550.00} ). The instructions to drop PMI through increased home value said that I was required to provide proof of structural improvements to appraisal company, which I did. We made structural improvements to the kitchen, bathrooms, fireplace, and patio. To get my loan below the 80 % LTV, the appraisal needed to be just under {$380000.00}. The appraisal was submitted to WF on XX/XX/XXXX at {$450000.00} which brought my LTV to 69 %. Wells Fargo informed me at the beginning of XX/XX/XXXX that they will no longer reimburse me for the appraisal and that they are not removing PMI because the appraisal company did not provide proof of structural improvement costs.

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 monetary relief
Consumer complaint received 04-10-2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred from Ocwen to XXXX XXXX on XXXX XXXX, 2016. The escrow amount at that time should have been XXXX. The escrow amount at that time was XXXX, and that amount was transferred to XXXX. Numerous phone calls has not yielded a return of the funds. Your assistance is needed to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed as aged out, other bureau removed based on Paid & Released seven ( 7 ) years from filing date XX/XX/XXXX, your records show now pd date, No release shown.

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 02/25/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (AZ).
Issue: Deposits and withdrawals

Complaint: Please refer to this Case number : XXXX. I tried taking out my money from citi 's account - XXXX checks ( $ XXXX and {$400.00} ). My checks are getting bounced and my XXXX charged me {$7.00} fees for each of the XXXX checks. How come citi can deny taking out my own money? I know there is no insufficient funds. Neither Citi let me access my account nor sending any statement. On top of it- when i want to move out my money-i am given hard time.

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 09/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Radius Global Solutions LLC (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received Collection notice in mail for Creditor : XXXX, XX/XX/2016. We cancelled services with them XX/XX/2016 and had the final bill showing full payment received. No bills or other communications about an amount owed were received for 9 months, until we received this collections letter. Upon receiving this letter we contacted XXXX to determine what this {$43.00} charge was for, and after 2 hrs and 12 mins ( which amounted to 4 calls since on one of them the line somehow " disconnected '' instead of going to a supervisor, to them ), including them telling us to call XXXX as they said this was a charge XXXX sent them and then XXXX should have then billed for it. We have conflicting information from the XXXX XXXX reps we were routed to in four calls as to what the charge was or why a bill was never sent or claiming a bill was sent even though we have n't changed addresses. XXXX today finally said they could produce a final bill, but it has to be mailed, which will take " up to 30 days '' they claim, and it is impossible for them to send an email or other electronic bill so that we can verify the charge is valid and make a payment. As they know, we were out of the country for 3 weeks, so we had 1 week since receiving this notice to reply to the 30 day request from their 3rd party collector. Funny how 1 day before our response is due they are able to mail a bill that will take up to 30 days for us to receive. we have never had anything in collections and so we went ahead and paid the amount, because we would never want anything against our credit, but seeing as the creditor never provided any proof of the charges it makes us think big company taking advantage of the consumer since they do n't care about our credit. As a financial services auditor that knows processes and collections, I believe that XXXX has a process breakdown in which charges that happen for a consumer through their partner XXXX XXXX sending out their final bill do not make it to a billing cycle, so as a result, those charges sit there, and then when they pull the data for unpaid amounts, the amounts show in that data that is then sent to their 3rd party collectors. Not a single rep could find in our account any of the normal steps one would expect from your Cable provider 1 ) when or how the additional final bill was sent, 2 ) when this supposed bill was unpaid after 30 days, why there would n't have been any follow-up to us, as the consumer, such as a call, or another notice ( mail or email ). I called the 3rd party collection agency that sent the collection letter to let them know about this struggle to determine what the amount was for, and they said they have had a lot of similar issues with XXXX collections.

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 05/29/2016 about Debt collection (Medical) with Renton Collections Inc. (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I own a XXXX company, I built a XXXX at a Local Mall, last winter, they owe me a large amount of money and refuse to pay, I am now taking the client to court, this has financially drained me. I had a XXXX XXXX, was hospitalize, and for some reason the insurance did n't cover 100 %, so it went to collections. This collection agency, calls every week to either my wife or myself, making harassing remarks such as they will seize our property or assets. I told the collection person XXXX, we will pay this debt as soon as we reach a settlement concerning my Mechanical Lien towards the XXXX I built. Right now, there is a hold on my bank account by the XXXX for XXXX XXXX XXXX Taxes that are owed, so it is essential I follow through pursuing getting my monies owed to me. Because my client refuses to pay me I have properly through my XXXX, will be foreclosing their XXXX holdings.

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 09/28/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Credit decision / Underwriting

Complaint: I was preapproved for a loan from Wells Fargo and went under contract to purchase a home. 
Wells sent went on to send me my mortgage estimates, conducted the home appraisal and lead me to believe the loan was being approved by underwriting up until 8 days before the close. I have all documentation of correspondence and am considering legal action as well for financial stress on me, my family and the seller.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (OH).
Issue: Managing the loan or lease

Complaint: In XXXX, i signed an agreement to be a coowner on a auto loan with someone. The original lender was XXXX Bank. They are now Ally Bank. I 've paid this car note on time XXXX the term period which ended in XXXX. The primary borrower on this loan made an agreement to keep the leased vehicle and convert it into a loan with only the primary borrower on it. This agreement was made when the company was XXXX. This request was not honored and the vechile was returned to Ally Bank. Without my knowledge or consent, the primary borrower made an agreement with Ally bank concerning the surplus charges that were owed. I did not agree with this nor was i advised or asked to sign anything concerning this. I made the required payments in which i was obligated to pay. Never a late payment or bad history. This is on my credit report and it should not be, I never agreed to anything concerning the unpaid amount or surcharges. My name should be removed from this debt since the primary borrower has agreed to pay this debt. The agreement did not involve me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Billing disputes

Complaint: Well, I have filed a compliant against Bank Of America and the Bank issued a responsewhich I did not accept, since it is improper and requires a detail analysis to convinceme or the CFPB. I paid a total of {$1600.00} to date and the Bank gave me a credit of only {$370.00} out of the original balance of {$2000.00}, Pleas find the attached payment historyfiltered from online XXXX Payment database and also compare the response the BankOf America wrote me, ( since the file size was too large I could not upload it ) so please request a copy from Bank Of AmericaI think the Bank is still did not want to accept a wrong doings of an amount that is $ {$1200.00} which should be returned to my account. 
Therefore I demand The CFPB, to request back full return of My money, Restore mycredit History, Which I could not refinance as a result my home Mortgage and I alsowant CFPB to Forward this case to a civil Right lawsuit lawyer and Federal agencyto file a lawsuit against the bank to get me proper all possible compensation and alsoopen a selected and relevant case of other consumers regarding Credit and MortgageImproper handling and gaining unfair and Unlawful advantage, and also I kindly want to inform you that my credit score of XXXX were loweredfrom XXXX to XXXX which made Harder to get my Home Mortgage Refinance very HardAfter my complaint, and so please conduct a sample studyof Credit Bureau of a possible of giving Unfair advantage of credit and Mortgage to aspecific banks in some cases as well!!

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