milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/25/2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Dear Sir, I have a one Month past due on my credit card payment. 
The bank unilaterally withdrew {$1000.00} from my checking account and applied it to a credit card number which is no more active - but did send the money to the current the credit card. 
-There is NOT part of a scheduled / recurring payment plan -This not an E-bill 1.i went to my bank and a agent called customer care which could not justify the withdrawal or provide authorized document signed by me. 
2.I sent them a letter to my bank agent enquiring about the withdrawal and asked them the return of this amount. 

3.i received a reply letter from the bank with NO RETURN ADDRESS and NO specific person to address the mail as it was written " Speciality Claims research and Resolution '' stating the below : " what you need to know " " we are unable to return {$1000.00} at this time because your account is currently past due, over the credit limit or both

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 04/28/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Taking out the loan or lease

Complaint: wells fargo has taken 6 mos to help me remove their error on my credit. I had a lease with XXXX XXXX, bought it out from them through wells fargo, wells fargo admitted blame in writing ( see Attached ), however XXXX denied the excuse, and I still have a 30 day late on my XXXX credit report. I have emailed, phoned wells over XXXX times and they still havenot helped me at all, its affected my refi on my home at this 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 09/30/2015 about Mortgage (Conventional fixed mortgage) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage loan with Banco Popular for an apartment located in XXXX, XXXX XXXX. My original mortgage loan was with XXXX XXXX but, a few years ago, Banco Popular became the loan servicing company. I originated my loan on XXXX/XXXX/2006 for {$160000.00} and the outstanding balance to date is {$140000.00}. 

I am writing because the current loan balance appears to be greater than the appraisal value of the apartments in my complex, therefore, I am being unable to sell the property to cover the mortgage loan. When Banco Popular became the loan servicing company, I contacted them to try to reduce my monthly payment and see if any modifications could be made to the loan based on the new initiatives created by the government to assist homeowners in my situation. The bank representative stated that my only option was to refinance my loan but that would have resulted in a higher principal and additional closing costs. 

Currently, I am seriously considering transferring my property to Banco Popular in payment of my mortgage debt since I will not be able to renegotiate my monthly payments. My only concern is that this would significantly affect my credit. I am writing to the Consumer Financial Protection Bureau as my last resource before making the final decision.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Student loan (Federal student loan servicing) with Immediate Credit Recovery (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I received a letter from Immediate Credit Recovery stating I owe them {$74000.00} In student loans. I called XXXX The department that manages my student loans and they confirmed that I only have XXXX in student loans total. There is XXXX in interest. There are two problems here. 1. I do n't owe XXXX and there is another company already garnishing me for XXXX. Between the two companies they are taking XXXX every two weeks from my pay. That 's XXXX per month and XXXX in the 2 months that have 3 pay dates. How can two different collection agencies garnish you for the same money. Immediate Credit Recovery has also reported double loans to the credit bureau so that now it looks like i have twice the loans in default than I actually have. My credit is bad enough without it doubling up on default payments. i spoke with them back in XXXX about lowering the garnishment amount and they refused. I made arrangements to make payments from my credit card but they have not been taking the payments. I have called and got put through to a voicemail box and no return call. They have no problem calling me 19 times a day when I 'm at work or in bed, but when I call them with a problem I get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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: My Vehicle was broken into and my DL was stolen. A few months later I notice that there are several unauthorized inquires on my credit reports, all within the same time frame. I called the police and was given report and immediately contacted the credit reporting agencies. My letters were ignored, My online disputes had no resolution and over the phone they told me that they do not have the ability to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY ().
Issue: Making/receiving payments, sending money

Complaint: I had rented a holiday home in XXXX, FL and transferred 50 % of the rental fee to the owner. As I did not want to transfer the money to XXXX XXXX, I asked for a bank account. I received a Wells Fargo account. After 2 months I received an email telling me I need to pay the final amount to keep the booking. This was unusual. I started some investigations and found out it was a complete fraud. The person was no real estate agent, the holiday apartment had been rented for a year, the phone no. was out of order and the management at the building in XXXX never heard of him nor the owner. 
I found out where the account was located and filed a XXXX XXXX XXXX with the XXXX, NM police department. An officer informed me after weeks that Wells Fargo told her this " Wells Fargo has told me that the funds went into a XXXX XXXX XXXX account before they could inquire about it. Unfortunately, they have said they will not reimburse those funds to you because of this. " The XXXX police detectives told me that these people open bank accounts with false SSN 's and false driver 's licenses. The XXXX police department has XXXX XXXX of these cases per day. In this case the bank did not operate appropriately and check the legitimation of the person and therefore is liable for the loss.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have on several occasions requested that the credit agency remove the Bankruptcy listing on my credit file and they have not complied, The filing is not verifiable through the bankruptcy court that they are listing as were they did the verification. I have two letters from the U. S Bankruptcy court in XXXX Md. that states that they do not supply any information with the credit reporting agencies which means that they are not telling the truth about verifying this account, The FCRA says that if they are not able to verify an account then it must be removed and they refuse to do so. I am writing to you to have you do what your company was established for which is to protect the consumer against the big corporations and act as the legal representation, I have attached the copies of the letters from the bankruptcy court and the credit bureau will refuse to investigate this account even with you requesting verification. They will say that this has been investigated and verified as accurate and request more information to start another investigation so I am asking that they verify the DISCHARGE date of the Bankruptcy which it does n't have one so once again they will not be able to verify the account and by law have to remove it. Please do n't let them get away with bullying the consumers based on there not wanting to actually verify this information by calling the courts and providing me with the name and phone number and verification procedures as required per FCRA 611 ( a ) ( 1 ) ( a ) ( c ) / ( 5 ) ( A ) ( i ) / ( 6 ) ( A ) ( B ) ( i ) ( ii ) ( iii ) / ( 7 ). I am hoping that your agency does what they were created to do  and have this account removed from my file immediately. The above referenced FCRA subsections explain the procedures for verification of an account and how they are required to provide the name and phone number of the person they verified this account with.

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 07-10-2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have written and contacted Experian so many times, and their most recent shenanigans involves them not removing items from my credit report, even after the collection agencies have notified them to remove such items. There are accounts in collections that the companies have stated should be removed but the credit reporting company is neglecting the requests. I am asking that the items be removed today! and an apology letter to follow.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was given bad advice from a person on the phone. He told me to pay off my small loans first even though the interest was less than 3 % and I had loans with 14 %. I did not take his advice and told him that advice is ridiculous. I recently switched to auto pay around XXXX 2016 but then realized they were not paying my minimum payments and instead were putting more money toward my lower interest rate loans and less towards my higher interest rate loans.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: In the beginning of XXXX 2017, I opened an Advance Checking account with HSBC in order to meet their requirement for {$350.00} account opening ( {$10000.00} or more direct deposit ). After selecting the middle option on their application website I arranged for the direct deposit to commence. Subsequently I was welcomed by HSBC welcome messages referring to generic " HSBC product '' until XX/XX/XXXX when the first notification of Choice account was made followed by the paper statement. Since I did n't apply for Choice account I contacted the HSBC overseas call center CS center to find out why was the account switched without my previous permission or knowledge. After a long wait ( about 10 min ) the CSR for checking stated that the issue is with online dept and not theirs and then subsequently transferred me to the non-working extension. 
When I called again and spent again about 15 min on call I was told that it was me that selected the Choice checking despite meeting the conditions in regards of the Advance checking. I was also informed that any changes in account status will automatically disqualify the bonus leading me to the conclusion that the switch has been done on purpose. 
Questions : 1 ) Why any notifications sent out by HSBC prior to commencement of the wire deposit were referring to the generic HSBC product and not advance checking? 
2 ) Why the account representatives overseas are not authorized to address issues such as this as this is the basic customer service function?

3 ) If the HSBC is the ultimate decider of what product customers are allowed to choose why it did n't send out the notifications to that effect instead of arranging the account deposit and then downgrading it to the different product in order not to pay opening bonus ( it was confirmed by HSBC representative to that effect )?

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am filing this complaint against Experian because they are reporting information on a XXXX account # XXXX. They are reporting this account incorrectly and inaccurate they refuse to re dispute the account saying the creditor says they are reporting correctly the account. Experian is reporting the account as a business account when the account is being alleged by target as a personal. The first date of delinquency on the account on the letter directly from XXXX XXXX/XXXX/2009 which means the account is reporting past the FCRA allowed time. I need this account removed from my credit file immediately.

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 07-06-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: 2 weeks ago I called Experian to discuss the fact that there were multiple inquiries on my credit report that was previously deleted. I had no knowledge nor did I authorize these inquiries. The operator that I spoke to ( XXXX ) walked me through each one and informed me that he was deleting them while we were talking. I assumed based on what he said that in fact this was taking place. I checked my report today and those inquiries have not been removed. They are still reflected on my report.

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 05-12-2015 about Credit reporting () with NAVY FEDERAL CREDIT UNION (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have several Navy Federal Credit Union accounts that were investigate because my accounts should state paid as agreed. I never missed a payment with the creditor and my report is showing negative information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I was recently informed by a best buy customer service representative that I 've been paying for debt protection since XXXX of 2009. I never remember nor meant to sign up for this service. I contacted best buy to cancel this horrible service and receive a refund. A couple of days ago I received a notice that debt protection was cancelled but will not be given a refund because I " used '' the service. I 've never used this service and would 've never used this service seeing how I did n't know I had it. This is a scam and I want Best buy to refund my 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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Grocery store franchises used my documents as retailers stores products as food products frauding scams using XXXX XXXX products and containers and advertising and post data terminals receipts and SKU number and stock number XXXX  scams using hidden XXXX XXXX dressing company XXXX   groceries stores XXXX 's groceries stores XXXX groceries stores XXXX grocery stores XXXX   groceries stores XXXX grocery stores XXXX groceries stores XXXX  groceries stores XXXX XXXX   groceries stores XXXX XXXXXXXX XXXX franchises XXXX XXXX franchises XXXX XXXX   franchises XXXX XXXX franchises XXXX 's resterants franchises XXXX 's resterant franchises XXXX XXXX  Dinners thru out the XXXX XXXX XXXX  resterant stops diner menus

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 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have sent 2 method of verification requests via certified mail to Experian credit bureau and Experian has ignored my requests and have chosen to stall by requesting additional identification information eventhough, but each time they verify this information without this additional ID requirement. 

Experian has failed TWICE to provide the method of verification after receiving my request and is in violation of FCRA 611 ( a ) ( 7 ) which states that a method of verification should be provided by Experian within 15 days after my request is received. 

My dispute is due to an inaccurate, erroneous bankruptcy in my credit file. 

XXXX XXXX XXXX XXXX XXXX ... # XXXX Report number XXXX - XXXX XXXX, XXXX I am requesting that Experian provide me with an EXACT description of the EXACT procedures used to determine the accuracy and completeness of the information disputed. 

If Experian is not able to provide me with the information I have requested I demand that Experian will do their lawful duty and remove this inaccurate, erroneous bankruptcy. 
it is my belief that Experian has not contacted the courthouse because I contacted a clerk at the courthouse who stated that Experian at no time has contacted them regarding this inaccurate, erroneous bankruptcy. 

I plead with CFPB to intervene and have Experian provide the method of verification that I have requested TWICE or remove it from my credit report immediately. 

Experian is disrupting my financial life at this point and I am determined to contact every agency, news media, my congressman etc screaming at the top of my lungs regarding Experians blatant disrespect for my disputes & method of verification requests etc if this inaccurate, erroneous bankruptcy is not removed.

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 03-10-2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (PA).
Issue: Unexpected or other fees

Complaint: NetSpend has a policy of charging fees for every transaction including other companies errors. I had submitted a XXXX dollar payment to XXXX XXXX and was apparently charged twice and although it was said to be reversed, I was still assessed a fee. The customer service representative was off shore and tried to dispute me even before having the transaction on his screen.

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 04-09-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MS).
Issue: Struggling to pay mortgage

Complaint: 1. I financed my home XX/XX/XXXX for Approx {$290000.00}. 
2. I had a loan modification back in XXXX with XXXX. they only lowered my payments by approx. {$33.00} per month. my original payments were around {$2700.00} per month. 
3. I am a XXXX  employee who was furloughed back in XX/XX/XXXX. At that time I applied for another modification. My payments were lowered to around {$1400.00} per month. I was told that my payments would be stretched out for 40 years, but I could pay it off earlier. 
4. My mortgage was sold to Ditech. When I checked with them about a refinance, I was told I had a balloon payment of approx. {$90000.00}. 
5. I went to my credit union ( XX/XX/XXXX ) instead to have my home refinanced. when I asked for the payoff, I was told I owe {$290000.00} still. When I I asked how do I owe more money after paying a mortgage on my home for almost 10 years. I did not get a sufficient answer. 
6. when I go online to the Ditech website, it says that my principle balance is {$200000.00}. But they sent me something saying that I still owe a balloon payment of {$90000.00}. 
7. I am not sure how I owe more money 10 years after I have been making payemtns on my home. 
8. The Ditech representative ( a male ) was very rude and disrespectful. 
9. I am trying to refinance and leave Ditech all together, but I am not sure why my payoff is more than what I purchased the house for after 10 years. It is my idea that I only should owe what the my statement principle balance states ( {$200000.00} ). Even the credit union representative who is helping, me to refinance says that something is not accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Hi, My name is XXXX XXXX, my loan was transferred to Nationstar Mortgage in XX/XX/2013. Since, then I have to contact them multiple times out the year just to ensure the correct amount is paid on my taxes. This is the worst company!! When I returned home from work, I received a letter stating I have a surplus in my Escrow account of {$870.00}. This is not correct as the Taxes for my Summer Taxes were {$2500.00}, and {$140.00}. And my winter taxes were {$23.00} and {$450.00}. XXXX XXXX {$1300.00}. Yet, on the Escrow statement they sent me it has my City Tax as {$1900.00}. My total for my Escrow Account not including MIP was {$4400.00}. Yes, they have total disbursements as {$3300.00}. This is a difference of {$1000.00}. This has been an ongoing issue, not mention very stressful. I believe part of the problem is their computer software is OLD and out dated. Can someone please assist me?! I have spoken with XXXX XXXX and XXXX XXXX at the Ohio office. Last year, before XXXX XXXX said he would flag my account so this would not continue to be an issue. Guess, he did not.

Company response to consumer: Closed with explanation