milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Taking out the loan or lease

Complaint: My auto lease is through Wells Fargo Dealership Services. Wells Fargo has a different department for auto insurance and they have added auto insurance when I did n't have insurance. Shortly after I sent a copy of my full insurance to justify that I do indeed have insurance. The company has decided to add an extra {$40.00} throughout the remainder of my contract. This addition took my car notes from {$250.00} to {$280.00}. I have asked if I can get a statement regarding this. They then stated that this added amount will not appear on my statement and/or if they send anything it will not appear as well.These facts have raised my eyebrows so I 'm reaching out for assistance with this matter. 

Thanks in advance, 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 11-12-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Wells Fargo ( Wachovia - XX/XX/XXXX ) failed to protect my my mother and father 's checking account from a convicted felon out on parole. All account funds were exhausted in the approximate amount of {$140000.00} across a XXXX period. Prior transactions on the account were small and infrequent, and Wells Fargo failed to notify both account holders and protect our funds despite the alarming increase in transaction frequency and amount. 

My family and I looked to recover our money through a number of avenues, including contacting Wachovia executives directly. Our pursuits to recover our savings were consistently denied with insufficient reasoning. My father passed away in XX/XX/XXXX and thereafter my mother, sister and I no longer had the energy or will to pursue the case against Wachovia after the loss of our father. Although we tried to move on from this remarkably terrible time in our lives, we have been consistently reminded of the failures of Wells Fargo as one of the largest financial services company in the world to serve their customers with integrity. Most recently when listening to XXXX XXXX XXXX on XXXX, we were encouraged to file a claim through the Consumer Financial Protection Bureau in hopes of a satisfactory response by Wells Fargo to begin to right their history of wrongs. 

Please see below for our loss history through XXXX : XX/XX/XXXX : 1 check = {$1000.00} XX/XX/XXXX : 5 checks = {$10000.00} each = {$50000.00} XX/XX/XXXX : 1 check = {$40000.00} XX/XX/XXXX : 1 check = {$16000.00} XX/XX/XXXX : 1 check = {$4200.00} XX/XX/XXXX : 1 check = {$15000.00} & 1 check = {$3000.00} = {$18000.00} XX/XX/XXXX : 1 check = {$8000.00} XX/XX/XXXX : 1 check = {$4500.00} XX/XX/XXXX : 1 check = {$1000.00} TOTAL LOSS through Wachovia = {$140000.00} *** Cash Advances through XXXX XXXX XXXX were reimbursed per our request and their investigation into this claim in 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 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (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 had a perfect credit history. I had no late payments with my creditors for some several years.  My score ranged for XXXX to XXXX normally.  On XX/XX/XXXX, the Navient company reported a 90 day late to the credit bureau for the months of XX/XX/XXXX and XX/XX/XXXX.  This infarction caused my credit score to drop to XXXX.  I had been making payments monthly to Navient. Consistently, the Navient Reps ensured me that as long as payments were consistently made; I would be in good standings. However, that was not the case. I made my last payment on XX/XX/XXXX. and was held in default for not only XX/XX/XXXX but XX/XX/XXXX as well. I have contacted Navient by phone to dispute, but was unsuccessful. I have submitted a written Dispute that is pending. My frustration comes because Navient  incorrectly informed me on my account situation and also was not given the appropriate consideration.I asked that the 90 Day lates be removed from my credit report. Thank you in advance for your cooperation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (NV).
Issue: Managing the loan or lease

Complaint: I am being repeatedly harassed by Chrysler 's auto lease financing arm, known as Chrysler Capital, to pay money I do n't owe them. Repeated phone calls to them to get them to cease and desist work only for a couple of days, then the harassing phone calls and emails resume. 
They mistakenly calculated sales tax based on a jurisdiction that the car has never been garaged in or even driven to. I have sent in documentation, had repeated phone conversations with managers at Chrysler Capital, and this incredibly disorganized and mismanaged company just ca n't seem to fix the problem, so the dunning collection harassment continues. I have spent many, many hours and many phone calls trying to get them to stop harassing me for money I do n't owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: on XX/XX/XXXX, I sent a letter to the credit bureaus requesting an investigation on 5 accounts. Almost 60 days later, and none of them have responded. I have sent follow-up letters to inquire for the reason for the delay, and those have also gone unanswered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian is telling me that their policy requires consumers to get letters from creditors to remove dispute remarks from their credit report. This process leaves consumers completely at the mercy of creditors. In my experience out of XXXX creditors, none of them have been able to provide documentation to help me get these remarks removed. Mind you, I have PAID these accounts off. They are at a zero balance. Due to this issue with Experian, my mortgage loan approval was halted. My lender tried to use their XXXX XXXX program to help get these dispute remarks removed, but they were told of Experian 's policy. I spoke to several representatives at Experian and even a supervisor indicated they had no authority to remove these remarks without documentation from the creditors. The responses from the creditors varied wildly from " We do n't have access to your account any longer '' to " We do n't send letters ''. I had one assurance that I something would be submitted to Experian within 24-48 hours, but somehow I do n't believe that. This is causing me to fall into a mortgage category with a higher interest rate with a mortgage payment costing approximately {$360.00} more per month. There is no resolution and this seems like an endless loop of phone calls and dead ends.

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 08-11-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: XXXX has a customer service infrastructure straight out of the XXXX 's. I have been involved in a multi-month process for IDR to go in effect on both mine and my wife 's loan. I am required to take time off of work and go through a 1 hour plus process waiting on call center representatives. Information is not consistent and already complicated processes are made more challenging by XXXX 's antiquated infrastructure. Their self serve options are non-existent. They have 0 texting or mobile functionality I experience in every other financial services industry. Very simply notifications via text would have prevented 99 % of my issues. As a citizen, I am troubled by the waste that confounds our already insurmountable student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a HELOC with Chase and they refuse to take my payments and are continuing to charge me late payments and they are sending me constant foreclosure notices. The reason they are not accepting my payments is because they say I do not have insurance on my property and as a result they force placed insurance. I have sent in documented proof more than once that their information is incorrect and that I indeed have insurance on my property which is required by my first mortgage. I would like to help resolving this issue once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: We had no hot water in the kitchen to properly clean our dishes. This went on for 1 1/2 months. And we had no heat in our apartment which caused us to live in our bedroom with XXXX portable heaters that we purchased. Per Kentucky Tenant Code KRS 383.545, landlords are required to supply these to all tenants which they did not. So we initiated our right per KY law KRS 383.625 to terminate our lease. We sent a certified " XXXX '' letter to the landlord explaining our reason for terminating our lease. We paid the entire month of XXXX 2015 and moved out XXXX XXXX, 2015. We only had 1 month left on our lease which was XX/XX/2015. Our rent was {$1000.00}. We lawfully terminated our lease and they 're trying to collect a debt we do not owe.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Attention XXXX  and if possible Experian and XXXX  Delinquent Account ; XXXX   XXXX XXXX for {$120.00} Date Assigned XX/XX/XXXX This delinquency is not mine. If this is regarding a XXXX XXXX Account that had been billed in XX/XX/XXXX this issue should have been resolved in XX/XX/XXXX. I contacted XXXX XXXX XXXX about the error in my account. After providing information requested they said they closed their inquiry. They said they informed the credit bureaus which they do business with and requested to delete their listing about this account. " However, because your social security was not provided to us, we will be uncertain as to whether our request will be accurately processed by the agencies notified. '' Now it appears this is being handled by XXXX   XXXX XXXX This bill was never mine. The address on the bill was to Same address but XXXX That person happened to have my same name I guess. It was a cable bill so it was specific to the address where it was routed to. In addition a believe my SSN and ID # did not match. Please Correct

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 10/15/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Our loan got sent to the foreclosure department even though we tried to work with Wells Fargo so this didnt happen. When we were 4 months behind, we were told we could pay a minimum of XXXX payments. When we called back to make the XXXX payments, we were denied based on incorrect information given by XXXX department within Wells Fargo. This amount was XXXX. We were then told we had to pay the entire delinquent balance, roughly XXXX. I inquired if I could use XXXX accounts to pay and again was told we were allowed. I called XXXX to pay this amount and again, was denied. XXXX/XXXX/15 we were sent to the foreclosure department and now have to pay an additional amount of almost XXXX in attorney fees. We do not understand how this is justified. We did what we were told to do each time but it was always wrong and shrugged off as our fault. We are not the only loan they do this with and it is not fair to homeowners! No wonder there are so many vacant, foreclosed homes! We want reimbursed for these attorney fees that were completely unnecessary!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: To Whom it may concern : I am fighting 2 loans disputes a parent loan by Navient Solutions that so call being investigated when my son left after 2 months because they would n't let him in class with no financial aid. This is the 4th dispute with them not doing anything. Now Navient has purchased this loan and dong the same stating they approve my forbearance which I never spoke with them or had any contact with them other than the other loan I am disputing .This loan is over 30 years old it  was from XX/XX/XXXX-XX/XX/XXXX at XXXX XXXX XXXX and was under XXXX XXXX which I disputed the amount XXXX and how it was processed by the school. I was told I need it graduate? But I was on a XXXX XXXX XXXX. I was in bankruptcy for 5 years since XX/XX/XXXX. This loan from Navient states repayment begin in XX/XX/XXXX which I remember sending payments to XXXX XXXX so they would attempt to take our tax refunds and they was working on investigating ( The school signed your name on the application or promissory note without your authorization or the school endorsed your loan check ) now loan amt ( XXXX ) now unpaid balance ( XXXX ). payments of XXXX starting on XX/XX/XXXX XXXX payments and last payment XXXX to end XX/XX/XXXX total with interest XXXX, no fraud and rip off but when you contact them with your information or CFPB they give a fake response like they are looking into the matter. I need help I am XXXX years old and in XX/XX/XXXX if I live I would be XXXX XXXX XXXX .The CFPB need to go after this rip off Company. I understand there is a pending lawsuit. How many other people have been affected by this Company and their tactics and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Several years ago my XXXX mortgage was transferred to Green Tree for servicing. I immediately called Green Tree to set up on-line payment of my monthly bill. Well, I was rudely informed that Green Tree does not accept on-line payments. The customer service person, referred me to a phone line that handles complaints about Green Tree. Can you imagine the number of complaints Green Tree receives, if they have a separate department that handle these matters for the company. 

This morning I received my SS payment on-line and immediately went on-line to pay XXXX Mortgage, XXXX XXXX Bank, XXXX XXXX, and XXXX Card. And I will mail my payment to Green Tree, because on-line payments do n't work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is an open account from XXXX XXXX that I have no knowledge of. I had an account about a year ago that I canceled, but that was through a different carrier as well. Even then, my monthly bill was under {$50.00} dollars at the time. Not only did I not open this fraudulent account, it would have taken me years to accumulate this size of a bill. The amount is preposterous! Additionally, there is an On-line forum discussing fraudulent accounts and collection attempts on those accounts for this company. I want this off of my account and confidence that this company will never do this again! This company needs investigated for illegal business practices!

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: My Student loans are being serviced by Fedloan Servicing. This company does not seem to employ anyone with financial knowledge. They can not furnish me with any documentation showing what my deferred interest was and how it was calculated. How is it that they can claim I owed them X but not be able to provide indisputable evidence? They also can not explain how P & I payments are handled on simple interest calculation. They do not allow for principal reduction payments as they state as soon as they receive your loan payment interest is being charged on a per diam basis, which is correct ; However, what is not correct is the timing of when they apply your payments. I believe they are deliberately crediting payments late. My monthly payment is {$310.00} a month and I pay {$360.00} a month. The payment is made electronically every day so its ACH which means it should be applied within 2 days of the ACH. The extra {$50.00} should go toward principal and the interest should be calculated on the remaining balance and thus my monthly payment should drop slightly. Each time they receive the additional {$50.00} it should satisfy additional principal as the interest owed each month should be slightly less than the month before. This is not happening and no one at XXXX XXXX can explain why. How is it that every bank has to be completely transparent or face federal scrutiny but this company seems to be above the law. They are not transparent and when a company is not transparent it means they are up to something and this company is up to something and they need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo has refused to consider my application for a loan modification submitted on XXXX/XXXX/XXXX, Wells Fargo has also refused to give me a reason why. My pending application submitted in XXXX XXXX has gone without an answer. I am facing foreclosure on the XXXX of XXXX XXXX. My Notice of Default which was recorded in XXXX XXXX with the Trustee being XXXX XXXX XXXX XXXX however, in XXXX XXXX a Notice of Trustee Sale was filed. In XXXX XXXX, a Notice of Trustee Sale was filed by XXXX XXXX XXXX XXXX, however, no substitution of Trustee was recorded for these XXXX different companies.a Notice of Trustee Sale was recorded on XXXX XXXX by XXXX, still no substitution has been recorded. On XXXX XXXX, XXXX a Notice of Trustee Sale was recorded by XXXX XXXX XXXX with a Foreclosure Sale Date of XXXX XXXX, XXXX, a substitution of trustee was recorded on XXXX XXXX, XXXX, Substitution out XXXX XXXX XXXX a California Corporation and Wachovia Mortgage XXXX it 's successors, however, XXXX XXXX XXXX XXXX and then XXXX XXXX XXXX proceeded has Trustee. Wells Fargo Bank attorney in fact executed the Substitution of Trustee which is very suspicious.

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 01/19/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Late fee

Complaint: What Macy 's is up to with its collections and compounding late-fee practices does n't seem ethical to me, and hopefully will become illegal. 
After making about {$600.00} in purchases XX/XX/XXXX, I set up my monthly {$25.00} Macy 's payments set up with my bank ( XXXX XXXX ) to go out XX/XX/XXXX, three days before the due date ( XX/XX/XXXX ). 
XX/XX/XXXX I started getting five calls a day ( literally ) from Macy 's that my payments were late and I was behind! Say what?! 
I called XXXX to ask what the heck was going on. They explained that if XX/XX/XXXX fell on a weekend, as it had in XX/XX/XXXX, they wait until the following Monday ( or Tuesday, if a long weekend ) to send it. 
And because I did n't know about it and my next auto payment in XX/XX/XXXX did not include the {$35.00} late fee, Macy 's charged me ANOTHER late fee, so were not claiming I owed them {$70.00}. : - ( I unhappily paid the late fees and requested that XXXX to move the payment dates up by 2-3 days, to XX/XX/XXXX or XX/XX/XXXX. 
2-3 months later, more harassment calls from Macy 's started. Same story : XXXX late payments and compounding late fees. 
I called XXXX again -- the person I spoke with earlier at the bank had n't moved the pay-out date. I stayed on the phone this time to get confirmation as XXXX moved the date up to XXXX, a full week before my Macy 's payments were due. 

Out of principle, because their practice of charging late fees for unpaid late fees is so very wrong, I have dug in my heels and not paid the late fees. So although my minimal {$25.00} per month has been paid like clockwork each month since XX/XX/XXXX, Macy 's has continued to mount hundreds of dollars in late fees. 
My letters to the exec offices of Macy 's have done no good. They are intransigent about this practice, which to me, seems like extortion. 

I closed the account and told them I will be paying off my entire bill for the merchandise and interest, but out of principle, I that I will not be paying them their late fees. 
Please look into this, and press for reforms to any legal loopholes that allows Macy 's to take advantage of consumers in this way. 

Thank you. 
XXXX XXXX

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