milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: I paid cash for a vehicle in 2013. There was a balance due when I left thedealership and was given x amount of days to pay the remainder off. I thoughtI had but there must have been a {$100.00} balance that was 2 weeks late. 
NOW I have this on my credit report and they REFUSE to help in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not known to me. I am fighting an ongoing battle with this company. I have repeatedly made contact in writing and over the phone to no avail. I have sent law enforcement information to them to document that has been a victim of identity theft ; I sent them my Identity Theft Victims Affidavit and complaint made with the FTC attesting that this account was opened fraudulently. I complained to the credit bureaus and requested that full validation and they replied with just a statement stating that " the information has been verified ''. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this 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 12-07-2016 about Mortgage (Conventional fixed mortgage) with GUARANTEED RATE INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage refinance in late XXXX. I got rates from a few different lenders and went with Guaranteed Rate as they quoted me the best offer. After submitting all of my documents I was made aware of a mistake on my XXXX & XXXX tax returns regarding my rental income. I was then instructed that to fix the errors I had to file amendments. I verified with the loan specialist that this was necessary and would make a difference because if not I wanted to go with another lender. I was assured this would be the same anywhere I went and since rates were about to go up it was best for me to stay with them. So, I did exactly what they said which was amend my tax returns for XXXX and XXXX. They also said I must file them with the IRS in person, pay for any outstanding taxes, and get the amendments and proof of payment stamped. Once that was done I resubmitted my tax returns to them and then was told that they were denying my loan because they would n't accept the amended tax returns because they said I just made it all up just to get the loan. Interest rates are now much higher and my credit score has now taken a hit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have reported fraudulent activity on my account. Initially it was taken care of by Capital One. A month later they called me back to let me know that it does not qualify as fraud since I had the credit card within my possession at all times. This is a dispute with XXXX and some game. racket up charges around {$2500.00} ...

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Credit card () with WELLS FARGO & COMPANY (NM).
Issue: Billing statement

Complaint: I have a credit card through Wells Fargo Bank. I reached my limit and came to a payment agreement with them that I would no longer be able to charge on my card. They are taking automatic deductions from my checking account. However, once they started doing that they stopped sending me statements in the mail. I tried opening an online account so I can keep track of the account and the site would not allow me to do so. I called them to ask them to help me set up an online account and they told me that because the account was " over charged '' and had been closed, that they would no longer provide me with or allow me to open an online account. The only way they offered for me to follow the progress of my payments was to call them monthly and they would tell me what my balance is. Can they take money from me without giving me a written method of following the account? For all I know, the money could be going to another account or being put into someone 's personal account. I want to be able to open an online account so I can check on the balance and make sure my money is being applied to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (VA).
Issue: Charged fees or interest you didn't expect

Complaint: I took out a loan with Big Picture Loans for {$600.00} to help me cover my rent. When I signed the agreement online I did not know that the interest rate would be an APR :  XXXX . Which is tremendously high. I have been paying at {$320.00} or more a month which has been affecting my other bills causing me to be late or short. As of now I have paid out {$1300.00} on a loan that was for {$600.00}. This is ridiculous and outrageous I have a child in College and one in high school and have been struggling. If this continues on I would have paid more than {$3000.00} on this {$600.00} loan.
Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Stat us 01  XX/XX/2017  {$600.00} N/A {$160.00} {$160.00} {$600.00} Regular Current 02   XXXX     {$600.00} N/A {$160.00} {$160.00} {$600.00} Regular Current 03   XX/XX/2017   {$600.00} N/A {$160.00} {$160.00} {$600.00} Regular Current 04  XX/XX/2017  {$600.00} {$1.00} {$160.00} {$160.00} {$590.00} Regular Current 05  XX/XX/2017  {$590.00} {$3.00} {$160.00} {$160.00} {$590.00} Regular Current 06  XX/XX/2017  {$590.00} {$4.00} {$160.00} {$150.00} {$590.00} Regular Current 07   XXXX    {$590.00} {$5.00} {$160.00} {$150.00} {$580.00} Regular Current 08  XX/XX/2017  {$580.00} {$7.00} {$160.00} {$150.00} {$570.00} Regular Current 09  XX/XX/2017  {$570.00} {$9.00} {$160.00} {$150.00} {$560.00} None 10  XX/XX/2017  {$560.00} {$12.00} {$160.00} {$150.00} {$550.00} None 11   XXXX   {$550.00} {$15.00} {$160.00} {$140.00} {$530.00} None 12   XXXX   {$530.00} {$19.00} {$160.00} {$140.00} {$520.00} None 13   XXXX   {$520.00} {$24.00} {$160.00} {$130.00} {$490.00} None 14   XXXX   {$490.00} {$31.00} {$160.00} {$130.00} {$460.00} None 15  XX/XX/2017  {$460.00} {$39.00} {$160.00} {$120.00} {$420.00} None 16   XXXX   {$420.00} {$50.00} {$160.00} {$110.00} {$370.00} None 17  XX/XX/2017  {$370.00} {$63.00} {$160.00} {$100.00} {$310.00} None 18  XX/XX/2017  {$310.00} {$80.00} {$160.00} {$83.00} {$230.00} None 19  XX/XX/2017  {$230.00} {$100.00} {$160.00} {$61.00} {$120.00} None 20   XXXX   {$120.00} {$120.00} {$160.00} {$34.00} N/A None

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (WA).
Issue: Account opening, closing, or management

Complaint: Costco changed credit card service to Citi Anywhere XXXX. I signed up for paperless billing and in XXXX received the first email alerting me of a balance and payment due. It also contained {$25.00} late charge. Upon phone call to Citi I was informed that I did not receive my first bill in XXXX because I had not signed up for bill alert notification. Interesting that once the late charge was added suddenly they sent me an email that I had a bill due. This is very deceptive and improper business practice. Anyone dealing with Citi beware.

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 04/19/2017 about Debt collection (I do not know) with Firstsource Advantage, LLC (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company  First Source Advantage  keeps calling for a  XXXX   XXXX . I explained I do not know this person and requested that my number be removed. They keep calling repeatedly with over 80 calls logged in the last month.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Loan modification,collection,foreclosure

Complaint: This complaint is in response to case # 'sXXXX XXXX. did get in touch with me. The very XXXX time I got a call from wells fargo not asking for my deceased wife. He still refuses to answer any questions concerning accounting and proof of authority concerning My deceased wife 's defective " Note and Deed of Trust '' or the alleged loan that never took place, evidenced by the defective " Note and Deed of trust '' Miraculously thanks to your investigations correspondence is now being made to myself and " THE ESTATE OF XXXX XXXX XXXX XXXX '' Whereas prior to your investigations., all correspondence was made to XXXX XXXX XXXX XXXX making it appear to the court, public and potential victims hoping to purchase my home, from Wells fargo that she is a living breathing defaulting bad person. Which is not only unacceptably disrespectful to my beloved deceased wife, but also slander and defamation of character towards the sweetest, most thoughtful and beautiful human I 've ever known.Wells Fargo is still with no way to prove any authority to do so, only color of authority rescheduled a TRUSTEE / FORECLOSURE SALE for XXXX XXXX. I am filing a 'MOTION FOR PRELIMINARY INJUNCTION AND TEMPORARY RESTRAINING ORDER in THE XXXX JUDICIAL DISTRICT COURT, XXXX COUNTY, XXXX . ( attached ) to hopefully not have my right to due process of the law violated, my deceased wife 's character violated and my property and home stolen by these criminals, XXXX XXXX XXXX XXXX ( alleged Trustee ). XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( original alleged lender ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and WELLS FARGO. I thank you for your help thus far. Please do n't let them get away with their crimes and disrespect to my beloved deceased wife.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All 3 major credit bureaus have illegally hoarded my personal information without this consumers express written consent, pursuant to the 1974 privacy act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the fair debt collections practices act, all 3 bureaus mulishly and collectively shared this consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions and a host of others.
Fair Credit Reporting Act False and Misleading Practices Truth and Lending

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am on XXXX as a result of XXXX established XXXX XXXX, 2009. My benefits have been actively garnished by Texas XXXX since the end of last year, and I applied in XXXX of this year to have it dismissed when I learned that I was eligible to do so, and I included a copy of my original paperwork and current printable proof of benefits provided online by XXXX. In late XXXX, I received a letter from Nelnet ( and XXXX ) instructing me that my loan application for dismissal was denied because I had not provided them with the required paperwork. To my knowledge, I had provided Nelnet with the proper paperwork. I called them and was informed that I must provide them with additional paperwork/paperwork which does not exists, or a written letter from my doctor proving I am XXXX. I called XXXX and was told that XXXX provides paperwork upon request specifically for this purpose / that I am not the first person to encounter this problem. I received the promised paperwork from XXXX, and I immediately forwarded it the following day electronically to XXXX. Today I have received another letter from Nelnet once again stating exactly the same thing : that my application has been rejected because I have not provided them with the required paperwork. At this time, they are still taking funds from my permanent XXXX benefit every month, I have provided Nelnet with legitimate paperwork from XXXX that should be above and beyond what should be required to prove my permanent XXXX status, and yet these organizations are still refusing to acknowledge the legitimacy or sufficiency of the official paperwork that I have provided to them or to dismiss the loan. Is there anything that you can do to help me, or advise me in this? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with the servicer of my second mortgage since XX/XX/2016. They have requested the same documents over and over. I have submitted everything that they asked for with no results. I am not trying to avoid paying the debt. I just want some relief as far as the interest rate ; 9.375

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 04-11-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Loan modification,collection,foreclosure

Complaint: I have a Bank of America mortgage that was originated in XX/XX/XXXX. It is an FHA loan that was modified in XXXX XXXX. 

I recently applied for a Reverse Mortgage and learned that BOA has placed XXXX liens on my property ... XXXX of which are duplicates of the original loan modification. There should only be XXXX lien, but BOA sent the exact paperwork to the Clerk and Recorder 's office in XXXX, Colorado on 3 different occasions over a 6 month period. 

I can not proceed with the reverse mortgage until these duplicate liens have been removed. 
On XXXX I spoke to XXXX at BOA who told me that she would call me on Tuesday, XXXX XXXX with a status report. She did not call. I called Bank of America on XXXX XXXX and talked to XXXX, who emailed XXXX about the status. XXXX reported that XXXX stated that the department for BOA that handles such matters had nor responded within the required 48hours so her supervisor was now making request and that she would call by XXXX XXXX. Again no call. I called BOA on Friday, XXXX XXXX and spoke with XXXX. He told me that he was forwarding my concerns to my loan manager XXXX in XXXX XXXX and that he was again emailing XXXX for status. He told me that either XXXX or XXXX would be calling me on Friday and that if they did not, that he would call me. NO ONE CALLED. 
I can not proceed with the reverse mortgage until this is resolved. HELP

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 04-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NM).
Issue: Loan modification,collection,foreclosure

Complaint: Due to a significant drop in income, I initiated an application for mortgage assistance/modification to Chase on XXXX/XXXX/15 - since that time I have repeatedly submitted document after document per their request. I have been told on FOUR occasions that they had all the information they needed to proceed with their underwriting process. During this 7 MONTH process, I have complied with all requests and continued to make my mortgage payments - even though I had to take money out of my retirement to make those payments. Chase employees have lied to me several times, and failed to come up with any modification to my loan. I have read online that this is a common complaint and has resulted in multiple lawsuits - which may be the only way to resolve this issue. Either Chase is lying that they even have a loan modification program, or they make the process so impossible that homeowners are forced into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (IL).
Issue: Settlement process and costs

Complaint: The borrower, XXXX XXXX was approved for a XXXX My City trial modification in XXXX 2015, to be completed XXXX 2015. He successfully completed the trial and has been waiting for the last 4 months to get his final modification documents. This is the XXXX client I 've had with Seterus that has experienced a ridiculously long delay in receiving final modification documents. This is also the XXXX complaint against Seterus that I have filed with CFPB. The standard turaround time for permanent modification documents is 30-60 days. I checked with XXXX and they confirmed that it is up to the servicer to create the modification documents and then it 's forwarded to the investor for approval. Seterus has n't even gotten to that part of the process yet.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX 2016 with a starting balance of {$70.00} I made a cash transfer from a regions account of {$600.00}. On XXXX XXXX I made another transfer into the account of {$100.00} to bring the cash balance to {$770.00}. I then proceeded to make purchases of {$580.00} and the bank conveniently charged me {$140.00} NSF OF Fee plus {$15.00} OD protection fee leaving the account with a balance of {$33.00}. Other transactions totaling {$130.00} were processed after that and then over drew the account {$99.00}. The bank then charged more fees of {$210.00}. Had the bank not charged me {$150.00} worth of fees then the other {$130.00} transactions would have been paid without any fees. In essence the bank robbed me of {$370.00} for having money in my account. I called their customer service department and they told me they can not give me a courtesy refund when it was clearly a bank error.

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 10/25/2016 about Credit card () with TD BANK US HOLDING COMPANY (NY).
Issue: Balance transfer

Complaint: I called TD Bank where I hold several accounts to apply for a line of credit with their Visa card. I specifically told the representative that I wanted to do XXXX balance transfers. He said that " would be no problem '' and " even if the line of credit does n't cover the balance transfer amounts, they would approve it '', " do n't worry about it ''. The call was recorded. They proceeded to approve me for {$5000.00} line of credit which did not cover the balance transfers. Assured me they would approve these transfers, and proceeded to end the call. I called 7 buisness days later to find out, the balance transfers were rejected, but I had an open line of credit for {$5000.00} with a high APR. The balance transfers are 0 % APR. When I brought up the complaint, I spoke to a supervisor, and was told the matter was " being looked into ''. I now have to close an account I will not use and they ran my credit with assurances that I would have my balance transfers accepted. The supervisor ID that was handling the matter was # XXXX on XXXX XXXX and XXXX XXXX # XXXX. The matter is still being looked into as the conversations were recorded. In conclusion, I opened a credit card with false pretenses, which later I had to cancel and does show up on my credit report. As noted above, I was able to obtain employee ID numbers of everyone I spoke to. When I called my third time to close the account and inform them I am filing a formal complaint with CFPB, the employee would not offer me his employee ID number. Only name and extension.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I do not have a Student loan, Navient has been calling me daily about payment of a loan using my name and phone number. I have not had any student loans in 30 years. I have spoken to them directly multiple times to attempt to clear this up, but they continue to call me daily. when I block their number they change it to continue the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Trouble during payment process

Complaint: In XX/XX/2018 I received a letter from Pennymac stating our monthly payments would go up due to a shortage in our escrow account. The letter stated to tear off the bottom of the letter and send a check for almost 2000.00 in order for the monthly payment to stay the same. I tore off the coupon, wrote a check and sent it in. Since then the money went into the account but not toward principle / interest and not toward escrow. I have called 3 times, spoke to supervisors, was promised call backs I never got. My money is not in my account, my payments did not go down and I feel like this company does not know what they are doing. I want my account to now be audited for miscalculated overcharged interest as well as for mistakes on their part. I want my escrow money deposited into my escrow account and my payment reduced. I am attaching a cashed check that shows it was written XX/XX/18 and deposited in early XX/XX/XXXX. It is now XX/XX/18 and my account needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Prepaid card (General purpose card) with U.S. BANCORP (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: This is a combination of fraud/scam and unauthorized transactions. US Bank is selling XXXX Prepaid Gift Cards which are n't activated properly upon purchase though the activation slips after purchase indicate they are activated and nothing is wrong. US Bank then forces you to fax in all the card information to their " activation center ''. You do not receive any calls from the activation center, but then the card will be furtively activated without your knowledge and the funds drained. Either US Bank is complicit in supporting this fraud, or they are completely negligent for allowing this to happen. I have attached for reference the images and fax that I was forced to fax to them to have my card activated.

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