milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have appealed the denial of my loan modification with additional documentation and I even received an email confirmation from my single point of contact ( SPOC ) that Wells Fargo received my loan modification appeal with exhibits on XXXX XXXX, 2015, and yet I received a different letter dated XXXX XXXX, 2015 from that same SPOC that Wells Fargo received my loan modification appeal WITHOUT any additional documents. These boilerplate letters must stop and this intentional failure to consider additional documentation is exactly what Wells Fargo has been doing for years, despite the multi-billion dollar settlements and agreements not to intentionally lose documentation. 
Additionally, Wells Fargo Bank is attempting to collect a debt in violation of both TILA and RESPA, in accordance with Section 131 ( f ) of the Truth-in-Lending Act, 15 U.S.C. Section 1641 ( f ), and the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ) and FDCPA pursuant to 15 U.S.C. 1692 to 1692p. ( See Attached QWR and TILA Demands to Wells Fargo Bank , N.A . ) Wells Fargo Bank must comply with my already served TILA and RESPA demands in order for me to effectively appeal the denial of my loan modification request as Wells Fargo Bank has issued a boilerplate " Proprietary Step Rate Modification '' denial letter without any details from which to understand the basis of their said denial, nor do they provide any documentation to validate that Wells Fargo Bank , N.A . actually owns the debt. 
Specifically, I am in dispute as to the identity of the true owner of this debt ( if any ) Wells Fargo Bank 's authority and capacity ( if any ) to collect on behalf of the same. I am also in dispute about the proper application of payments from the debtor to interest, principal, escrow advances and expenses ( in that order of priority as provided for in the loan instruments ) ; about Wells Fargo Bank 's use of automatically triggered property inspections and broker price opinion charges and fees based on undisclosed accounting for purported arrears ; and about legal fees and expenses that have been attached to my account but that have not been otherwise explained, disclosed, or established to myself. 
To independently validate this debt, I need to conduct a complete exam, audit, review and accounting of this mortgage account from its inception through the present date. I would like Wells Fargo Bank to validate this debt so that it is accurate to the penny. 
I also request that the Consumer Finance Protection Bureau kindly conduct its own investigation and audit of this account since its inception to validate the debt Wells Fargo bank currently claims I owe them as Wells Fargo Bank has blatantly violated the CFPB 's rules and regulations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX, XXXX Equifax removed a charged off account from XXXX XXXX from my credit file. On XXXX XXXX, XXXX Equifax reinserted the information on my credit file without providing me a written notice within 5 business days. This is a clear violation of the fair credit reporting act which states : ( B ) REQUIREMENTS RELATING TO REINSERTION OF PREVIOUSLY DELETED MATERIAL. -- ( i ) CERTIFICATION OF ACCURACY OF INFORMATION. -- If  any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) NOTICE TO CONSUMER. -- If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2016 about Prepaid card (ID prepaid card) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: Refusing to cash check. 

Certegy reason XXXX Can not find clarification on the issue non existent. No way to correct this.

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 09/28/2016 about Credit card () with NAVY FEDERAL CREDIT UNION (FL).
Issue: Other

Complaint: There was a balance on my credit card. I was informed that the money from my savings account would be released ice I paid the balance. After passing the balance, they transfer money from my savings toward the credit card. I was never notified of there intention to close the credit card or to take money from my savings account. Without notice of choosing the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am filing a complaint because TRANSUNION has ignored my request to provide me with the documents that their company has on file that was used to verify accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under  Section 611 ( 5 )  ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' Please resolve this matter as soon as possible. Thank you.

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 09-07-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: I went to Bank of America XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX to ask a question about an HSA. An attractive XXXX woman greeted me with a hand held device in behalf of Bank of America and refused to let me or anyone else speak to banker unless we gave her our debit card number or drivers license to input our personal information into her hand held device. I refused and she became nasty and refused to let me see a banker. I tried to complain and she told me to go ahead. Never heard of this in my life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Resurgent Capital Services is reporting on my credit report "  XXXX  ''. I have contacted this company to ask them to show proof that I entered into an agreement with the original creditor  XXXX   XXXX  Bank. After numerous attempts , Resugent Capital Services h as yet to provide any binding documents or any documents with my signature agreeing to terms. There has to be a legal binding contract which they have not produced. So how can they authenticate this account if I am asking them to authenticate this by the original agreement, or contract? They have sent statements, all computer generated with no signatures and they sent a random agreement once again with no signatures. How can they possibly hold me responsible without any legal binding documents showing the terms of our agreement? Showing I agreed and we entered into an contract?

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Other debt) with Associated Credit Services, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX is still reporting a collection account to my credit report. We had an oral agreement this account would be removed when the account was paid ( they called it a pay for delete ) but I just checked my credit yesterday & see it 's still being reported. This account is damaging my credit & impacting my ability to get a loan. I 'd like them to remove the account per our agreement. Please help me get this rectified

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I recently applied for a mortgage refinance with XXXX XXXX Loans. The credit score reported by Transunion to XXXX XXXX Loans was XXXX. The credit score reported by Equifax was XXXX. My credit scores reported by Transunion through XXXX XXXX was XXXX and XXXX by Equifax. I understand that fines were levied by your agency just last week for this practice of reporting XXXX different credit scores to lenders and consumers and I would like these companies to cease this practice immediately and provide an explanation as to their continued violation of this forbidden practice.

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 04/24/2017 about Payday loan, title loan, or personal loan (Installment loan) with Clarity Services (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received an email from  XXXX  stating they 've identified a change in my credit report this afternoon at  XXXX . I visited the  XXXX  website to see what the change was and it was a hard inquiry from Clarity Services  Inc  on the behalf of  XXXX  capital. I have never applied for any credit or loan form either company. I called  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   to see where they got my information from to run my credit and all  XXXX   XXXX   (  floor  XXXX  ) stated was that the application was denied and she could not tell me anymore information. I am asking that this inquiry be removed from my credit as I have never applied for any loan or credit with this or any other company.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ESCALLATE, LLC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called repeated all day long from XXXX-XXXX, the phone rang at least 10x a day. This has gone on for months and months. I called to payoff the medical debt, however, they collected it, but my phone still rings via robocall. I have excellent credit, but the calls started after one month of a doctor 's office visit. 

Escallate LLC Professional Services Address : XXXX XXXX XXXX # XXXX, XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed
Consumer complaint received 01/25/2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: APR or interest rate

Complaint: On XXXX XXXX, XXXX, we contacted Wells Fargo and spoke with XXXX to confirm the terms and conditions of an online balance transfer offer. XXXX advised us that since we had a {$10000.00} credit line on our business credit card, that we could transfer {$9800.00} to our checking account, and we would need to pay a one-time fee of 4 % of the balance transfer amount, up to a maximum of {$170.00}. XXXX further advised us that the balance transfer would have a 0 % promotional interest rate for 12 months. 
Agreeing to the above terms, we moved forward with the transfer, and were provided a reference code. 
Soon afterward, we received a letter from Wells Fargo dated XXXX/XXXX/XXXX, confirming the details of the transfer ; however, the letter omitted any information regarding the 0 % promotional rate that XXXX had advised us that we would receive. We assumed that everything was correct, because no other rate was disclosed or specified on the confirmation letter. 
On XXXX XXXX we reviewed our XXXX/XXXX/XXXX account statement, and we noticed that we were being incorrectly charged interest on the balance transfer at a $ 23.99 % cash advance rate. We immediately contacted Wells Fargo and spoke with XXXX, and we explained the situation to her. XXXX assured us that she would submit the paperwork right away to correct the cash advance to be reversed, and instead to be re-processed as a balance transfer with a promotional 0 % rate, as we had been advised by XXXX on XXXX. XXXX further assured us that the correction would be processed within seven to ten business days. 
We heard nothing else from Wells Fargo on the matter, so naturally we were led to assume that the correction had been completed as promised. Throughout the remainder of XXXX, we had automatic payments made every month from our checking account, and we had no reason to review the electronic statements in detail. 
On XXXX/XXXX/XXXX we prepared to pay off the promotional balance of what we assumed was the 0 % promotional rate, and we planned to do this prior to when the promotional rate was scheduled to end in XXXX. At that time, we noticed that Wells Fargo had not corrected the interest rate on the account as promised, and had instead charged us the incorrect cash advance rate of 23.99 % for a total of {$1900.00} in incorrect finance charges. 
On XXXX/XXXX/XXXX we notified XXXX, then XXXX, then XXXX as we were getting transferred from place to place and finally ending up at the Executive Offices, with a person who should have been able to correct this situation. However, instead of correcting the situation, XXXX dismissed the situation as our fault, and basically told us that there was nothing that she could do for us except to lower the rate for a few months from the 23.99 % cash advance rate, to the only slightly less ridiculous rate of 16.24 % for purchases.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: Experian has verify as accurate accounts that have been sold and verify as accurate collections accounts that I have not received proper notification and validation.

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 04/29/2017 about Debt collection (Auto debt) with DIXIE FINANCE COMPANY (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Dixie Finance Company has been reporting unverifiable and inaccurate information on my credit which has damaged my credit and I filed a police report for identity theft and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had XXXX SallieMae loans from my XXXX degree, XXXX of the loans were issued between XX/XX/XXXX and XX/XX/XXXX. I paid off XXXX to SallieMae, and XXXX was later turned over to XXXX. I was fortunate to be able to make payments on time ( to XXXX ), however, I did find that when I came to my very last payments, when I would pay what was supposedly the final amount, the payment would take longer to go through. By the time it would be processed, the loan would have accrued more interest ( and I would thus still have more to pay ). It happened with both SallieMae and XXXX. The first time, I did n't know this, so after waiting a couple of weeks and not yet receive any sort of notification that my loan had been closed out, I checked again and saw that I had accrued somewhere around {$15.00} or {$20.00} worth of interest. I paid this off and the same thing happened again, however, I was able to catch it, and eventually close out the student loan with SallieMae. The same thing happened with the XXXX loan, however, I paid more attention and was able to prevent the lingering amount from compounded as much. Nonetheless it was massively frustrating and made it QUITE clear that neither company has any interest in its customers actually paying off their loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. ().
Issue: Deposits and withdrawals

Complaint: HelloMy name is XXXX XXXX, i live in XXXX and a few months ago I opened a paypal account so I can receive funds send by a friend in XXXX. I sent them every document they need and they activated my account. After a few transactions, each XXXX under XXXX $ I got an email saying I reached the transfer limit of {$2500.00}. They wanted more documents, which I provided again and they reactivated it again. After a few more transfers and about a month later they suspended my account and wanted me to prove my business and the items I sell, what website do I operate and more absurd questions like that. I have no company, no items to sell and I just use the account to receive money from an US citizen. I have never used the account for something else. I respectfully explained that to them but they can not understand, they keep sending me automated messages about their TOS and about me not cooperating and not telling them the truth. 

This is an ABSURD situation, I have no idea why they keep harassing me like this! I only made about XXXX transfers, a grand total of {$5000.00} in 2 months. 

They blocked my funds and the account and they now refuse to give my money, telling me I have to wait 6 months to get it!! 

This is outrageous! I am living a horrible dream, its impossible to talk to those people. They abuse their power and impose abusive methods like holding my funds. 

Please help me solve this issue as I have no one on my side! 

This is what i get when i login to my account! 
" XXXX XXXX, 2015 : When you signed up for your PayPal account, you agreed to our User Agreement and Acceptable Use Policy. Because some of your recent transactions violated this policy, we 've had to permanently limit your account. 
Please remove any references to PayPal from your website. 
You 'll be able to withdraw any money in your account 180 days after your last transaction. We 'll email you when it 's ready to be withdrawn. 
( Your case ID for this reason is XXXX. ) XXXX XXXX, 2015 : We need some more information about some of your recent sales. 
( Your case ID for this reason is XXXX. ) '' I do n't know what they are talking about. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2015 about Consumer Loan (Vehicle loan) with U.S. BANCORP (CA).
Issue: Managing the loan or lease

Complaint: Good Morning, I am asking for help to reduce my car payment. I currently pay {$620.00} a month for a vehicle. I could n't afford the vehicle, but because of a XXXX I developed while I was in the military XXXX, I could not stop my compulsion to get what I wanted. I am a veteran and I was diagnosed with XXXX and XXXX XX/XX/XXXX. I have recently had some success at treating my condition and the VA notified me I am going to lose some of an entitlement due to the change in my XXXX. Some of the decisions I have made financially were in direct contrast to being well thought out. When I purchased the XXXX Dodge Durango I traded in a XXXX Nissan Altima Hybrid. There was nothing wrong with the hybrid but I was so convinced that I needed a new car that I could n't see the compulsion was determining my decision rather than making a rational decision. I had so much negative equity ( XXXX ) that was adding to the Durango that I should have been able to stop and walk away. But because of my condition I could not recognize getting the new car I wanted was more important than knowing if I could afford the car. And now that I am losing just over {$2000.00} a month, and I am XXXX, I know I ca n't afford {$620.00} a month ( This is n't the only bill of course - I am addressing all of them so that I can make my my budget work. ) Really, I could n't afford it then either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (DC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: NCC Business Services in XXXX Florida insists that it takes 10 days to obtain a proof of payment from them, claiming " first come first served ''. Representative said it was like signing a credit card statement at a restaurant. When I mentioned the process does n't take 10 days at a restaurant she said again " first come first served '' as though there were ten days worth of trucks full of payment receipts needing to be processed. When a payment is collected, I should be able to get a receipt as soon as the funds come out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Payday loan, title loan, or personal loan (Payday loan) with Scott’s Jewelry & Pawn Inc. (AL).
Issue: Can't stop withdrawals from your bank account

Complaint: I took a payday loan with XXXX XXXX and due to my health crisis I was put in a position where I could not pay it back. I have chronic XXXX, XXXX XXXX XXXX now and XXXX problems. I sent them a letter about my conditions and about me being judgment proof because I am on XXXX as my sole income. Theye got that letter sent to them certified on XXXX XXXX, XXXX and they debit my account of XXXX on XXXX XXXX, XXXX. Thing is the ACH debit was for Scotts XXXX XXXX XXXX a different amount from what I owed. So the charge would go through because I stopped payment on the check. The owner is desperate because he is going to jail for a theft ring with his stores and getting money by fraud is not going to matter.

Company response to consumer: Closed with explanation