milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have recently contacted the schools and the loan servicers in reguards to my student loans. I have received student loans from the schools in an attempt to persue a XXXX career, XXXX is the school which I was going to in the beginning and I was told I no longer qualified so I went to XXXX XXXX College who allowed me to go a semester and discharged me telling me I did n't meet the criteria. I then went to XXXX XXXX College where they told me after a less then a half semester that they were n't able to identify my records from lone star college. Upon starting school at XXXX XXXX College I received a diploma from a school which I was under the impression was an accredited high school which I later found out was not. XXXX XXXX nor any of the other schools verified this information and I feel as though I should have the loans forgiven or discharged since none of them schools verified the information and I was falsely certified your eligibility to receive the loan based on your ability to benefit from its training, and you did not meet the ability to benefit student eligibility requirements. I have since finding out the information contacted the loan servicer since unable to get any assistance from the college with no response to getting this matter resolved., The loans were originally with XXXX XXXX and have since been transferred to Nelnet .

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I owed XXXX to chase at the end of the day my wages were garnished more than XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I just have question on POA (Power of Attorney) issue with Bank of America.
I have accounts for my sons with Bank of America more than 20 years and always as POA. Since last month, they start showing POA at all banking statements instead of not appear. I ask the bank should it be hidden and keep between bank and accountholder instead of expose to public? Bank of America say "NO". So I want to confirm is that the new Reg or banking rule? If it does, why that not happen to all of my other banks? I contact FDIC, they refer me to OCC, then today I get email as follow: XXXX XXXXMail 
To	XXXX Today at XXXX XXXX XX/XX/XXXX
Ref. No: XXXX 
 
Re:      Bank of America, National Association
            XXXX, NC 
 
Dear XXXX XXXX:
 
Thank you for contacting the Federal Deposit Insurance Corporation (FDIC).  The FDIC's mission is to ensure the stability of, and public confidence in, the nation's financial system.  To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since XX/XX/XXXX. 
 
The Dodd-Frank Wall Street Reform and Consumer Protection Act created the Consumer Financial Protection Bureau (CFPB).  Based on our review of the issues you raise in your correspondence, we believe your concerns should be referred to the CFPB for assistance.  We are forwarding your correspondence to the CFPB at the address below.
 
Sincerely,
 
Consumer Response Center
Federal Deposit Insurance Corporation
Division of Depositor and Consumer Protection
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO  XXXX
Telephone:  XXXX
Fax: XXXX
 
cc/enc:   
Consumer Financial Protection Bureau
XXXX XXXX XXXX XXXX, IA  XXXX
Telephone:  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 01/22/2018 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX, XXXX XXXX XXXX received {$25000.00} on my behalf from Hardest Hit Fund mortgage Reinstatement program. At the time I owed {$42000.00} XXXX XXXX XXXX had previously denied my modification applications on my loan due to a outstanding issue which was an appraisal submitted to XXXX in XX/XX/XXXX from XXXX XXXX XXXX. ( an XXXX company owned by me in the past ) I submitted an explanation or rebuttal explaining that I did not submit a report to XXXX and I had experienced a situation with theft of signatures that had been reported to the XXXX .They denied my explanation and refused my RMA. At that time I applied to the hardest hit fund, and as I said was approved for {$25000.00} reinstatement loan, which XX/XX/XXXX XXXX XXXX excepted. At that point I still has a past due balance. I called XXXX and was told to make my monthly mortgage payments of {$680.00} I paid XX/XX/XXXX, XX/XX/XXXX and when I went to pay XX/XX/XXXX the would not accept my payment and said I was back in foreclosure. They did not send me and intent to foreclose. In XX/XX/XXXX they did send a Modification package, but since they did not accept modifications from me I submitted a package through consumer debt councilors. XXXX XXXX did personally speak to the bank who was aware that I was looking to modify my loan to help pay the past due amount.My XX/XX/XXXX statement said my payment was late and I had a past due balance of XXXX On XX/XX/XXXX I received a notice that they were transferring the service on my loan to Carrington Mtg services, LLC as of XX/XX/XXXX. On XX/XX/XXXX I received a statement that XXXX was the total amount due and stated my loan was in foreclosure.I feel that they wrongly excepted the reinstatement from the government without providing me an agreement to pay past due amount, and feel they did not follow the correct procedure to return my loan so quickly to foreclosure. I am now having an issue with Carrington Mortgage they have a fraud item flag on my account due to a pay stub submitted in XX/XX/XXXX on my behalf that had the same year to date as the prior stub.This was received from a third party at my former place of employment and my only explanation could be they had ripped up my documents and than tried to put them back together. I have no proof, no longer work there and the company has had a completed employee turn over so no proof exists and they will not accept a modification package or repayment plan from me. I did hire an attorney from XXXX, XXXX XXXX, reputable Real Estate attorneys near me, but as luck would have it my attorney XXXX XXXX has quit his law practice in search of another career and I am stuck on my own. Please help me to find out if my rights have been ignored by XXXX and if I have any recourse. I just want to keep my home and pay my past due and current mortgage My loan is owned by XXXX XXXX   XXXX XXXX XXXX as Trustee for the holders of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Payday loan debt) with Kehoe Financial Group, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have talked to kehoe financial group regarding a debt that i owed through XXXX loan. I told them not to call me at work but they called my work, and even called my spouse and left a message that i have a pending legal case against them. They kept on calling me even if i was tryig to negotiate with them. The person 's name is XXXX XXXX and his phone number is XXXX ext XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: They did n't pay my insurance out of escrow and my insurance was canceled. They then said they would take care of it and it would not cost me more than what the other policy was. They then, without my knowledge purchased and payed for out of my account, a new policy XXXX times the cost of the original.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Medical debt) with Universal Recovery Corporation (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: About a month ago I received a bill from XXXX XXXX XXXX, stating they had forgotten to charge me {$45.00} for my daughter 's XXXX. I sent out a check for {$45.00}, which XXXX XXXX XXXX cashed on the XXXX of XXXX, 2017. XXXX XXXX XXXX then fraudulently reported me to Universal Recovery Corporation. I took a copy of my cancelled check into XXXX XXXX XXXX along with my collections notice, and they told me it was a mistake on their part, and they were working to correct it. While at XXXX XXXX XXXX, I called Universal Recovery Corporation to confirm this. They said they recived no information from XXXX XXXX XXXX clearing the fraudulent claim. I then requested to speak to a supervisor. The supervisor " XXXX '' got on the line and was instantly combative with me. She tried to antagonize me into a verbal fight, and when that was n't working she hung up on me. I had n't screamed at her, I had n't cursed at her, and I had n't threatened her. I called back to try and resolve the situation, she again was combative, and tried to instigate a verbal fight. She then lied to me, and said her company had only called me once. They have called me 3-4 times. She also said if I continue to call her she was going to call the police on me. Again I was n't screaming, cursing, or threatening her. Now I do n't know what to do. I did nothing wrong, and was fraudulently turned into collections by XXXX XXXX XXXX on XXXX/XXXX/XXXX. Now on XXXX/XXXX/XXXX the collection company, Universal Recovery Corporation told me if I contact them again they will call the police on me. I have always paid my bills on time, and have no idea what the next step for me to take is. Even if I wanted to pay the {$45.00} debt, I do n't owe, I ca n't contact Universal Recovery Corporation, or they will report me to the police, as supervisor XXXX stated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax has persisted in reporting incorrect and/or incomplete information : XXXX, which was reinstated, has no date assigned for deletion. 

Please note that I am not asking them to verify if the account is mine. I never did, yet they insist on including that fact in their responses. This account IS mine ; however, the date of deletion should be indicated, especially since it 's due to come off in XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (GA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I made a purchase at Best Buy using the  my Citi Best buy  Credit card. On  XXXX / XXXX / XXXX  in the amount of  XXXX  with a deferred balance for twelve months which gave me till  XXXX to pay it off I paid over that amount to honor the deferred amount. I was charge  XXXX  dollars in interest on my  XXXX   XXXX  bill. I called the company and they stated once interest is on the bill it can not be removed. I did make another purchase in  XXXX  for  XXXX  dollars. In order not to get the interest charges I had to pay the entire bill not just the promotional balance which was not made clear during any of my purchases.

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 08-03-2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Hunter Warfield has broken several Fair Debt Collection Practices Act laws. First, they never sent me notification of the debt. I did n't even receive any notices giving me 30 days to respond. They said they did but I never did receive anything. If they did send anything, it needs to be documented via certified receipt.
I filed an identity theft report and also sent them the information because I do not know where this debt came from, and it is indeed identity theft. I sent them the identity theft affidavit, and they failed to acknowledge it as well.
I also asked for verification, and I did not receive anything. I have attached everything that was sent to them certified. Another law they broke was verifying this proof with the credit bureaus after I have requested verification of the debt and filed identity theft. During that time frame, they still verified this debt. CC : XXXX XXXX XXXX XXXX XXXX XXXX Attorney, BBB, FTC

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (Medical) with BYL Collection Services (DE).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: BYL collection services did not provide adequate verification for debt question. No documents were provided showing a contract or signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My identity was stolen resulting in unauthorized ACH attempts on my checking account. XXXX XXXX closed my checking account due to it having a negative balance from the identity theft. I called to have this resolved and they said since it happened over 3 months ago then they can not launch an investigation. They also said they can remove the negative information from my report if I pay the negative balance, they said they are not concerned about my identity being stolen they just want their 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 non-monetary relief
Consumer complaint received 01/31/2018 about Debt collection (I do not know) with Receivables Management Partners, LLC (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: On XX/XX/2018 I was contacted via telephone from a number showing as XXXX which I was able to determine belongs to Receivables Management Partners. The female caller did ask for me by name but said she needed to verify me by my phone number and/or address. I refused to offer this information to a number and/or party that I do not know. The representative then threatened to call my employer and hung up the phone. At no time did this company say who they were collecting a debt for but instead asked for information that could be used for ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CITIBANK, N.A. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: on XXXX2017, an inquiry from CBNA posted on my XXXX credit report. I am unaware of the company! Also on this same date six other inquiries were made, by other companies. I did not apply for any credit or loans from any of them. Someone has attempted to use my identity to open these accounts.

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 08-04-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: Fed Loan Servicing is my lender or I thought they were my lender. This company solicited me online and I electronically signed documents online. Needless to say, I discovered that they are a third party and that all the payments I made never reached my loan! I called them to request a copy of my promissory note and they told me that they received a certification from the original lender about the amount due. I then sent them a debt validation letter via certified mail on   XXXX   XXXX  , 2017, formally requesting the promissory note so that I can determine the amounts due, the interest rate used to calculate the amounts, etc. Till this date, I have not received any documents from this company regarding the promissory note and/or payoff they must have received from the original lender. It is impossible I owe the amount they state. I need to see my original promissory note and all subsequent notes and/or forbearance paperwork. I need to calculate the amount owed myself. I am an   XXXX   and my  XXXX  have  XXXX . I have been working in the   XXXX   field for twenty years.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Making/receiving payments, sending money

Complaint: The subject is about Fifth third Bank internet auto-pay bankingThis is the XXXX or maybe the XXXX time that I set up an auto-pay but some trigger defaults the account the money is to be drawn from the account I assigned to an account that has the least amount of money and thus creates overdraft fee 's XXXX trigger is if you change or modify the amount, without you being aware unless you research intentionally will re-assign the account with the least amount of money.. I have addressed this fault with Fifth Third believing it was a programming error But now just another Trojan Horse.. 
A year and a half ago they sold me on the Early Access product that I was lead to believe was a overdraft protection product that was charging a very high percentage rate. I complained about that and now the interest rate is 3 % or lower and it is an overdraft protection vehicleThen last month or so I find out they started charging {$15.00} checking account fee on a free account.. XXXX reason being I have direct deposit. Now the bank manager credited 3 months because thats all the further he could authorize this refund. But still this bank continue 's with inventing these Trojan Horses

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (FL).
Issue: Deposits and withdrawals

Complaint: Suntrust Bank has held {$45000.00} in a ledger account and went on notice approximately XXXX XXXX, 2015. There was unlawfully holding funds they were not entitled to. Again two times the same thing happened and on the third check Suntrust exposed themselves by transferring the funds back into my account. I had to retain counsel to protect my interest and was n't even given statutory interest ( 4.75 % ). Suntrust gave me .6 % today when they FINALLY released my funds today for {$45000.00}. Also my counsel took XXXX % because I was totally neglected by Suntrust with all my emails since XXXX 2015 until I had to teatime counsel XXXX 2015. I find this unethical on Suntrust 's behalf and counsel and unfair to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been paying my mortgage by direct withdrawal for the life of the mortgage approximately 15 years. I am now being harassed by XXXX that my mortgage has not been paid since XX/XX/XXXX. I have notified them that if my mortgage has been sold the new mortgage holder apparently not getting the money. This has now been going on for more than a month. I have sent letters to all concerned parties that I am aware of Freedom Mortgage, XXXX XXXX, XXXX, and XXXX XXXX. I have not been informed of what they are doing to correct this situation. On XXXX/XXXX/15 I received an email that again my payment will be coming out of my checking account on XXXX/XXXX/15 as has been the custom since the beginning of my mortgage. I also received a late notice for my tax bill which I received the XX/XX/XXXX and sent to the mortgage company the very next day. I am sure that my credit has been jeopardized and refuse to look as I do not want to get any more upset than I already am. At this point do not know who or where to turn.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other

Complaint: I have excellent credit and usually pay credit cards in full. It has been my experience in my 35 years as a consumer, that when you pay your balance in full, no additional interest is charged. That changed today when I called Chase and asked why interest was being charged after I had paid my balance in full. I accused them of using, suddenly, two different ways of calculating interest on my XXXX year old credit card with them. The representative confirmed they are using two different methods of calculation. I do not understand how they can make this material change to how they calculate interest on a credit card. Or, how there can be two different ways of calculating interest on XXXX card. I will not use credit cards that I consider to be usurious, but I think they are doing this to a lot of people without people 's knowledge. If this is illegal, I hope they can be stopped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Hi my name is XXXX XXXX I live XXXX Ma.. 
We own a home with Ocwen mortgage, When we bought our home we were paying about XXXX a month and slowly Ocwen jumped our mortgage to XXXX a month..yes it does include taxes and insurance..it is very high for us..Sometimes our mortgage is late, ,so our credit score is bad..We ca n't get refaince because of our credit score! ... .we ca n't even sale our homke because, we ca n't buy another! ..We probably will lose our home because our mortgae company does n't care..We work hard, ,and make ok money..we have XXXX college payments each month XXXX cars..etc ... .WE NEED HELP! THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit reporting () with Clarity Services (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Clarity Services is reporting negative information that is not mine.

Company response to consumer: Closed with explanation