milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-08-2017 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (NJ).
Issue: Application, originator, mortgage broker

Complaint: To Whom It May Concern : I asked for a mortgage from Wells Fargo for refinancing purposes. It not only took 5 months for them to review and look at the documents even I was warning them the time was passing ( their employees are not aware of what each other do ), they did mistakes when submitting the loan requests and restarted the process therefore ... After all these mistakes, they tried to charge me fees to extend my mortgage rate lock every 15 days. I said that they may not move so slowly and charge another {$250.00} every 15 days to keep the rate locked. Then they threatened me with canceling the mortgage process if I do not lock the rate. 

I also said I will not pay for any appraisal costs until my file is approved. I said the appraisal has to be done last in the process, so I do n't pay appraisal fee for nothing. They not only charged me the appraisal fee of {$670.00} ( which is outrageous for a condo appraisal anyways ), but also pushed me to pay {$250.00} extra every 15 days to extend the rate lock. Then I said that they need to refund my appraisal fee and I will not proceed. Then they said they found some XXXX being mentioned in the condo association document. This is why they will not do mortgage. This is an old condo from XXXX in XXXX and there are so many other condos financed there. I said that is fine that we do not move with the process after 5 months and asked them to refund the appraisal fee charge. I have all the emails and conversations recorded. 

The issue is : 1 ) Well Fargo may not push the customers to pay {$250.00} every 15 days to keep the mortgage rate to be locked if the customer says 'Let it float until we close ''. They are doing deceiving practices and abusing the consumer. Their initial Fair Faith Mortgage Cost Estimate document did not match what they finally sent to me due to those lock rate extension fees. 

2 ) If the customer asks that appraisal fee will only be done after all the process is completed to make sure everything is approved, they may not charge my credit card without my consent as I know they play these tricks. I clearly said the appraisal may only be done as a last step in the process ... 


You need to help me to penalize these guys who take advantage of the customers and run like wild West. I will sue them. Thanks! 

Regards, 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 09/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After being denied a mortgage loan, I found out that EOS CCA ( collection agency ) was reporting on my credit report that I owed them {$620.00} for an unpaid cell phone account with XXXX XXXX XXXX XXXX. This is definitely a case of mistaken identity. To prove it I mailed EOS CCA a certified letter requesting validation of the debt. They failed to validate the debt, by simply sending another bill as validation. Also, the bill had an address on it that did not belong to me. I called XXXX/XXXX/16 to see if the account was going to be remove from my credit report, but was given the run around by a Manager name XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: all public liens were paid

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am trying to settle my private student loans with chase for the original amounts that I had taken out for school. I took out XXXX student loans with Chase Bank, both for {$40000.00}. I want to settle for {$80000.00} paying back the full amounts taken out and they will not accept and will not give me a reason why nor a contact number to talk. XXXX now services the loan and will not help and Chase is not helping either.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: All of my students loans are consolidated with Navient, and i have been working to build m y credit score. A  couple days ago I checked my score to discover that it had dropped  XXXX  points. The remarks stated that it was from a loan with  the US Dept.  of  Education that g ot sent to government collections between  XX/XX/17    and  XX/XX/17   . I have contacted every student loan service and Ombusman group and none of them have any information about the loan in question. I need to get to the bottom of this and ge t my credit score cor rected.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one The items are as follows : ACCOUNTS XXXX XXXX INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Reason too much fee each checking also too high fee {$36.00} dollar per checking. Reason I am on XXXX. not big money.

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 07-07-2017 about Credit card or prepaid card (Store credit card) with STERLING JEWELERS, INC. (MI).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Company calls me at least 6-10 times daily. Try 's to bully me to return jewelry every time I talk to them so they can resell. I would be willing to return except they took my " paid in full jewelry '' as a trade in at half its value, they would only reduce my debt up to what they felt the value of the returned items are and I would still owe them a large balance. So this company would have all my payments made, my paid in full jewelry they said I forfeited, the new items I purchased and I would still be making payments with full interest to them for the " balance ''. They refused flat out to work with me on reducing the interest or payments for more than a few months. They have called my family members now " looking for me ''. This company is a legal loan shark type company. They harass you until you give in, all I want from them is to work with me and reduce my payments by {$50.00}. Instead they are racking up late fees, maxed out interest rates, and building the amount I owe to a staggering number, until I have nothing left but to give in. Its feels like as if they are above the law. They said they would only work with debt consolidation once when I talked to them, however they would n't work with me directly, I need to be financially ruined or in bankruptcy, instead they use bullying tactics and harassing calls non stop. Calling my family today was the last straw.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Northeast Collection Bureau (GA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received a call from Northeast Collection Bureau about a debt with XXXX XXXX. The company did not leave a message and when I called back the guy as very rude. I asked for the name of the company he was giving partial information. When I hung up the phone, the guy called me back still being rude. When I asked for the address of the company, he stated " why so you can send a cease and desist because you ca n't pay your bills '' then hung up. This company did not send me any letter in the mail or nothing. This my first time hearing about this company.

Company response to consumer: Untimely response
Consumer complaint received 06-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Delinquent account

Complaint: In addition to weekend calls, capital one contacted me at XXXX on XXXX XXXX after I contacted them in writing and told them to cease calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2015 about Mortgage (Home equity loan or line of credit) with ONEMAIN FINANCIAL HOLDINGS, LLC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm in the process of a deed in lieu with XXXX XXXX XXXX under the ( HAFA ), where they are allowed up to {$12000.00} to pay off a lien. in my case being a XXXX mortgage of less than {$10000.00}. Springleaf Financial the XXXX mortgage, as well as XXXX have all the information provided to them, phone numbers, fax numbers, account information everything needed to get a negotiation done. Springleaf even after several months of me calling and faxing them information and after XXXX has mailed them an offer do n't seem interested in a settelment. they have written this account off in XX/XX/XXXX, and only seem interested in 1 payment on original loan. Is there anything that can be done to settle this matter before this turns into a full foreclosure. Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Due Diligence from XXXX was not performed on my credit report related to XXXX XXXX XXXX accounts : 1 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX, most owed {$170000.00} and 2 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX. I asked it to be removed from my credit reports based on the Independent Foreclosure review performed by the Office of the Comptroller. Per this review, the Office of the Comptroller concluded that XXXX XXXX XXXX practiced " deficient mortgage servicing and foreclosure processes. '' As due diligence does not appear to have been performed by any of the CRAs on this matter, I am asking that these items be removed from my credit report immediately and a rapid re-score be performed. 
Also, I am seeking damages as this derogatory information based on " deficient mortgage servicing and foreclosure processes. '' caused me to be denied employment.

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 02/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I opened this credit card to assist purchasing things after a recent change in life events. A little over a year after financial hardships set in and the account went into default and I wasn't able to reach a resolution with the bank.

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 04/18/2016 about Debt collection (I do not know) with Allied Interstate LLC (MN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Allied Interstate , Inc. has repeatedly attempted to collect on a debt which they have no proof of validity. First judgement was vacated court file number XXXX. Now comes back with no proof of debt and wants money again. Allied Interstate, Inc. was fined in XXXX XXXX for using these same tactics. Complaint was in XXXX and CFPB sent letter that Allied Interstate never did respond. Company is a scam. Illegal judgement needs to be removed or I will file a federal complaint with the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: CMRE Financial Services Inc Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXXXXXXXXXX http : //www.cmrefsi.com Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CMRE Financial Services Incor any company associate with this account # XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CMRE Financial Services Inc or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SS # XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 09-11-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I paid my Bank Of America Mortgage XXXX XXXX, they received the payment in XXXX. 
I used Certified mail and KNEW when received the payment. The check cleared mybank on XXXX XXXX, 2015. I received My Mortgage Statement for XXXX, saying my XXXX payment was not received. Although the check had cleared XXXX XXXX andI was late and had a {$35.00} late fee due. I just received a letter telling me my mortgage was TWO MONTHS late and I may be facing forclosure. My payment was received XXXX XXXX by Certified mail. 
I want a full investigation done and a Equity Analysis ... .all late fees dropped and if anything is negative on my CREDIT report I want it cleared ASAP..I also want to know WHO HOLDS THE NOTE to my Mortgage ... I want to know who OWNS this loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent multiple letters to Experian. I received a copy of my Experian credit report and it showed credit inquiries that I did not authorized. I understand that unauthorized inquiries should not be placed on credit files. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible purposes. 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX 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 09/16/2015 about Credit card () with WELLS FARGO & COMPANY (OH).
Issue: Forbearance / Workout plans

Complaint: I lost my job back on XXXX XXXX, 2015 and then on XXXX XXXX my wife and I had a baby. Knowing that we are in serious financial trouble I called one of my credit card holders, Wells Fargo, who holds my XXXX XXXX Credit Card ( Account : XXXX ) and tried to set up some type of plan to continue paying on my account, but with a lesser payment amount. I spoke to the CSR who was willing to try to help me, she kept going back and forth between her supervisor and I and eventually came back and said there is nothing she could do. I asked to speak to her supervisor and she transferred me. I then spoke with XXXX of collections and explained my financial hardship to him and he said there was nothing he could do. I just find it very upsetting that we are trying to do the right thing and make payment arrangements and they are unwilling to accept anything from us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Credit card () with DISCOVER BANK (VA).
Issue: Other

Complaint: Hi, My friend refereed me for Discover Credit Card and me & my wife jointly applied for the credit card. We XXXX in XXXX 2016 & I hold other bank credit card since XXXX 2016 with good history. But my discover credit card was rejected saying " No long Credit History ''. 

But the person who refereed me + other person from my company got Discover credit card XXXX within 2/3 months, applied to Credit Card & they got it WITHOUT any history of Credit / Credit card. 

It seems either out of discrimination Discover card is not approving my Card OR they are not letting me know the correct reason for not approving my card. I had filled the complain with their call center but not getting any proper answer from them

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Debt collection (Payday loan) with National Credit Adjusters, LLC (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Representative called me today XXXX XXXX, 2015 and started her call with complete attitude in her voice. Advised her I spoke with someone already and that I have no funds yet. Been XXXX since XXXX and fighting to get my XXXX. Other than that payments had been paid consistently before this. She then asked why I do n't have money. My response again XXXX and she said why is that. I then asked her why she had an attitude with me she 's a CSR she said I am not a CSR. A collector/CSR rep using the tone and attitude she used with me today would be harmful for her company. She needs to listen and refrain from using smart remarks or belittle some one with questions of why we have no money or not working. I wish to not speak with this rep again.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Taking out the loan or lease

Complaint: I received a packet in the mail with informing me of the lease coming to an end. I knew the buy back amount was {$11000.00} because I asked about that when I leased the car. I called Kia and confirmed this amount. I went to XXXX Kia to find out information on how to buy my car. I asked the person who greeted me, who said he was a manager, to speak to a finance manager to find out what I needed to do to buy my car. What he did was sit me down with a salesman. He took my information was gone a long while. He came back with the form and starts going over the numbers with me.He had sales price of {$11000.00}, there was a pre-delivery charge of $ XXXXand another non tax fee of XXXX. And tax of {$800.00}. I looked at the paper and questioned him about the figures and he said that 's the way we do it here.I picked the form up and told him I am sending a complaint to the Consumer protection Agency. He asked do you want to speak to the manager. Why would I need to speak with the manager my pay off on the lease contract was {$11000.00} and the pre-delivery charge of {$590.00} was already paid for when I leased my car it was figured in with my car payment. Why would that manager sit me down with a sales person when I should have been talking with somebody in finance who would look my contract up and give me the correct numbers. This is why I am complaining they saw an old lady and thought they could up the price of the car and charge {$590.00} pre-delivery charge, that I already paid for up front, and I would not know the difference. All the numbers are on the contract. This made me so angry I do not want the car I do not want to deal with those people at XXXX Kia. When I left there I went to another dealership and will be leasing a car from them. The reason I am writing this complaint is because how many people have they done this to and get by with it? They would have made a {$1500.00} profit from their deceit.

Company response to consumer: Closed with explanation