milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I recently found out that I had a " 60 day late '' on my loan. This came from when PNC bank took over servicing my loan from the previous company. I have always been an auto pay customer with perfect credit. The PNC takeover undid my auto pay, and due to a mix of poor communication and confusion, my first XXXX payments with PNC were " missed. '' The second it was clear what happened I talked to an agent. She said that she understood the situation, that these things happen, and that there would be no late fees ( I took this to mean we were all set and I was in the clean ). I immediately sent an electronic payment for three months worth of the mortgage and set up a new auto pay. Throughout this whole period I had about 20-30 times the monthly payment available in my checking account. 

Once I discovered this issue I went though a couple of unhelpful calls with the bank before being told I had to submit my story in writing to request a goodwill or courtesy adjustments. I submitted a long letter documenting the whole story and showing my auto payments in the months before they took over and after. I also shared with them my account balances throughout this period. It would be clear to anyone who took the time to read or think what happened and that this whole situation was confusion over auto payments. 

After about two or three weeks they replied to my XXXX page letter full of documentation with a XXXX sentence form letter that offered no indication that they even considered my case. They simply denied my queries and declared the case closed. 

Their communication through the period has been horrific and the complete inability to talk to anyone who has anything to do with the credit agency reporting extremely unhelpful. I ca n't say enough bad things about them. I am a sophisticated person with a XXXX and no actual financial problems at all. I ca n't imagine how they must abuse and take advantage of other folks who are no so lucky and do not have the time or resources to pursue complaints. 



sent an electronic payment for three months worth of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On XX/XX/XXXX I submitted a request to XXXX XXXX XXXX XXXX through their email address " XXXXXXXXXXXX '' inquiring about how they came to be the servicer of my loan when I was not disabled, had never alleged I was disabled, had no knowledge of anyone who would report me to be disabled. I asked them for the name of the agent who reported to them that I was disabled. 

I also informed them that while I had received a notice of transfer of servicing from XXXX to Nelnet in a letter dated XX/XX/XXXX, I never received any notice of transfer from Nelnet. 

I did receive a notice of a change in account number from Nelnet dated XX/XX/XXXX, however, according to the record on Federal Student Aid NSLDS that I just recently found, Nelnet was reportedly the servicer since XX/XX/XXXX, while I had been making monthly payments to XXXX since XXXX until XXXX. This could explain why my balance did n't go down. 

I also reported to Nelnet that I did not receive a XXXX for XX/XX/XXXX or any statements at all for XXXX or XXXX of XX/XX/XXXX. I am about to file my XX/XX/XXXX taxes and need the form. 

I received a letter yesterday ( XX/XX/XXXX ) dated XX/XX/XXXX which simply enclosed a copy of my consolidated promissory note, and a note " Just know that we 're here for you when you need us ''. This is not very helpful. Finally, the consolidated promissory note they enclosed is being disputed because the underlying loans that XXXX XXXX XXXX, XXXX consolidated, were not known to me and XXXX the guarantor has not been able to provide me with any loan documents of them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Mortgage (Conventional fixed mortgage) with Real Time Resolutions, Inc. (FL).
Issue: Settlement process and costs

Complaint: we foreclosed a home with XXXX XXXX XXXX in XXXX we were offered a " rem judgement of foreclosure '' and a " deed in lieu '' to settle and our lawyer accepted the deal. we were told by BAC the accounts ( XXXX & XXXX mortgages ) were closed and wrote off. we have been contacted by a company called Real Time Resolutions and they have claimed we now owe them a balance for the mortgage amounts that BAC have told us were settled and closed. Real Time Resolutions has now reported on our credit report we are past due, and owe them thousands of dollars. we have XXXX XXXX XXXX telling us the accounts are not valid for collections, we have had lawyers tell us not to worry about these claims, but I would like to have Real Time remove the claims from our credit reports. I am now dealing with a new credit repair person that has me filing this complaint against Real Time and their tactics of damaging my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (IA).
Issue: Problems when you are unable to pay

Complaint: I am writing to see about filing a formal complaint about Wells Fargo Dealer Services. The contact number I have for them is XXXX. I had an issue today with having a vehicle repossessed. I had someone here with XXXX XXXX XXXX XXXX hooking up my van to be towed away. At the same time I was talking on the phone with a representative from Wells Fargo Dealer Services and trying to get things figured out with them and removing my personal items from the vehicle. Well talking with the Representative from Wells Fargo on the phone he informed me that I need to listen to the repo men because one of them is in Law Enforcement as a deputy. I asked which one was the deputy and they both said they were not. So I informed the representative on the phone that and he said that then one of them is a reserve officer and threaten me with that. I asked these men and they both denied that. Finally the one man said he formally was in law enforcement but has since retired when he started working this job. The rep on the phone was trying to threaten me with the fact the these men were in law enforcement when they are not and was reminding me he did not say that and everything was being recorded on his end. 

I felt very threatened today by the representative from Wells Fargo and to tell me there was a Law Enforcement Official standing in front of me to intimidate me that was false has upset me the fraudulently misrepresented the repo team as Law Enforcement.

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 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I currently owe more on my student loans than when I first borrowed for my XXXX ( back in XX/XX/XXXX and my XXXX in XX/XX/XXXX ). Over the years I have been forced into forbearance never informed that the interest would continue to accrue. I have specifically called and asked about repayment and forgiveness options and been given incorrect information. I called recently to follow up on Federal Repayment which I was told I would be eligible for this year. I was told I was never eligible, requested they review my phone calls from the year before which they claimed they could not find. I was told to consolidate which would have taken me 25 years to pay off with new interest when in fact if I continue paying them off the way I am now I would be done paying them off in ten years which they did not tell me. I have been a XXXX in XXXX for the last ten years and am a mother of XXXX. I am struggling to get by and live paycheck to paycheck. I was never made aware of other options than forbearance in the past and never told about forgiveness or repayment options and given false information when I asked directly. During my last conversation with Navient when I requested for them to review my phone records which they " could not find '', I was assured I would get a statement recording my complaint filed with Navient which more than two months later has not been sent. In XX/XX/XXXX I was told to consolidate my loans to be eligible for loan forgiveness which I did and then was told that I was never eligible. This consolidation, I believe, increased my interest to the point where I now owe more than originally borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Medical debt) with GOLD KEY CREDIT, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Gold Key Credit , Inc. is attempting to collect debts already discharged i n Bankruptcy i n 2013   . The Debt collection company fraudulently changed the dates of the debts and have reported the debts as outstanding to the credit bureaus  (    XXXX   XXXX   XXXX   ) as current accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I dispute transaction ref # XXXX, XXXX and XXXX, and then bank of america provide claim ID # 's XXXX, XXXX, and XXXX. The purchase was from XXXX and the transaction amounts were {$74.00}, XXXX and {$460.00}. The transaction were disputed because the shipment not being received. I tried to go to the company and ask for a refund however, was denied because the shipment said delivered. However, I did not receive the shipment. Upon reviewing the track number no proof of deliver was provide that had my signature or a signature of anyone I authorize to pick up the shipment. I proceed to dispute the amount with Bank Of America and a credit was issued for the amount. On XX/XX/2017 the credits were reversed for no reason or follow up. The merchant has not provide evidence nor have I received evidence showing I received the package. I respectful ask for a credit to be issue and a refund out to the merchant account.

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 10/27/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: APR or interest rate

Complaint: Opened a credit card account with Bank of America and charged using a 0 % APR promotional rate. According to BAC that rate ended on XXXX/XXXX/2015. On XXXX/XXXX/15 BAC sent me a statement that indicated a balance of {$6500.00} ( I have no idea where that XXXX came from ) with NO indication that any interest would be charged to the account, no indication ( as they NOW tell me ) that I need to call them for a payoff amount. I immediately sent them a check to cover the ENTIRE balance ( {$6500.00} ) which they credited to the account XXXX/XXXX/2015. To me that should have paid the entire account in FULL. The next month I get a statement from BAC claiming that I now owe them {$25.00} in interest on the account. I feel that is VERY DECEPTIVE ; consumers should have an expectation that paying off an account IN FULL well before the due date ( indeed, only 8 days past the statement date ) that there should be NO huge interest fee charged unless there 's some indication on the statement that this will occur. This is a very deceptive practice and I 'm sure I 'm not the only one who has been scammed by this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with CITIBANK, N.A. (MN).
Issue: Unexpected or other fees

Complaint: I just received a statement from Citi stating that I had previously enrolled in Credit Protection, for which I was charged a monthly fee. The letter then states that if I believe I was enrolled without my consent or knowledge of the program costs or benefits, I may go to their website and submit a claim for a " potential refund, '' but the refund is not guaranteed.
I am completely unaware of having signed up for any such program. I did go to the website and submit a claim, but this seems fraudulent and unethical to be able to enroll me and charge a fee for something in which I have no knowledge and did not provide consent for.

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 01/15/2016 about Mortgage (Home equity loan or line of credit) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a Home Equity Line of Credit with the Capital One Bank for 10 years. I have never missed a payment and was never late in 10 years. ( I have been with the bank for 31 years, have XXXX accounts and XXXX credit cards with them. ) The maturity date was coming up in XX/XX/XXXX and I was told to get into the bank to refinance the loan before the maturity date and give me an extension on the loan while I was in the refinance process with them. I did get in before the date and started the loan process. I requested the extension and the loan officer said we just needed to hurry up. I asked if there was an extension given several times. She said do n't worry about it, we 'll get it done. 
During the loan process I continued to make my payments on the loan as usual. To my shock the payments I made on the loan were accepted and then the bank returned the money to my checking account. What? The bank employees did n't seem that was so bad because we were in the process of a refi on that loan. 
I spoke with the extension department and was told I should have come in 4 days earlier or 2 weeks and I could have gotten an extension. 
To fast forward a bit, the bank says they will report non-payments to the Credit Bureau that I did not pay my loan and am 2 months late. Are you kidding? I have n't been late or missed in 10 years on that loan!!!! 
I called the corporate offices of this bank and was given no consideration for loyalty or good payment history. They were rude and told me I should have come in a month earlier. Yet, I did come in before the maturity date, that was the defining time. Now I find out that the time difference was only for their convenience, to collect some data that I know you can get in 1 or 2 days. And nothing has to do with me as a good customer. 
I have good credit and have no bad things on my credit. Now they are claiming they are going to report me as late on my loan and I have never missed a payment through the life of the loan. In addition I paid while in the refinance process. And have proof of this. This whole handling of this event is so unfair and absurd! Everyone I tell this to can not believe it. 
What can I do to not let this happen to my good credit that I 've worked so hard for? Please let me know how to handle this. 
PS i was misled and taken advantage of by the bank officer which is another story on its own.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Other debt) with AFNI INC. (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Continuous calls from AFNI Incorporated regarding a debt that does NOT exist.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Mortgage (Conventional home mortgage) with U.S. BANCORP (NE).
Issue: Closing on a mortgage

Complaint: The U.S. Bank Mortgage Loan Originator, XXXX XXXX, at the XXXX, NE Branch provided XXXX XXXX and XXXX XXXX with a Purchase Ready Buyer Certificate on XXXX/XXXX/XXXX. The clients changed their last name to XXXX prior to presenting a Purchase Agreement contract offer on a property located at XXXX XXXX XXXX XXXX XXXX, NE XXXX dated XXXX/XXXX/XXXX. We were presented 3 other offers which were similar in terms and provisions. We chose U.S. Bank 's client, the XXXX 's offer, based in part, on their Pre-Approval status with U.S. Bank as stated in the Purchase Contract as well as the Purchase Ready Buyer Certificate. We were notified by XXXX XXXX via a denial letter that U.S. Bank was unable to originate the loan on XXXX/XXXX/XXXX. That is a span of 44 days and happened to be the date they were scheduled to close on the sale of the property. This is completely unacceptable and demonstrates a very poor business practice not to mention gross negligence by U.S. Bank 's employees. Subsequently, this required us to provide another months mortgage payment, insurance and utilities on the property which we had not planned for nor budgeted thinking U.S. Bank 's client, the XXXX 's, were good for the loan as stated by the Purchase Ready Buyer Certificate and Pre-Approval status on the Purchase Contract. It also caused us to put the property back on the market and may cause additional financial hardship in the event we ca n't close prior to the next mortgage payment due date. The reason for the denial as stated in the denial letter was that XXXX was not able to verify his ITIN. This should have been verified prior to Pre-Qualification in the first place. The certificate is a deceptive instrument used to give everyone a false sense of confidence.

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 06/14/2016 about Debt collection (I do not know) with Radius Global Solutions LLC (OR).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: These people call about twice a day. And stagger the call times. About 3 calls are before XXXX, even though I 've repeatedly told them that I 'm now on PST instead of CST

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 08/27/2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (NY).
Issue: Fraud or scam

Complaint: I sent a WESTERN UNION transfer to a SR. ATTONEY and he said he did n't get it and WESTERN UNION said it was paid correctly and I just received the letter from them stating it. and if you want me to FAX a copy I WILL.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
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: Despite the clarification l etter ( see attac hed ) from  XXXX ,   XXXX   refuses to delete the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX continues to report account is a open/revolving account. This account should be reported as a collection account. They are reporting a past due amount when a collection account can not have a past due amount because we never agreed to any terms. XXXX is reporting that they are a creditor when they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 'm guessing someone opened an account in my name

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Repeated calls ( several every day ). I filed an earlier complaint but nothing was done. 

I have no debtsIs this complaint process of any use???????

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XXXX XXXX 2017 I initiated a transfer to my checking account at XXXX XXXX XXXX in the amount of {$85.00} to bring my account to the positive as it had been overdrawn overnight. The remaining balance was made immediately available by my bank with no restrictions whatsoever so I would have been able to make an atm withdrawal or any other debit purchases successfully. 
So been a consumer and knowing that my funds are available I went ahead and made two P2P transfers of {$10.00} and {$20.00} to my other account at another bank ( XXXX XXXX XXXX ) to cover a negative balance there as well to avoid an overdraft fees. The next day day I checked both accounts and the one at XXXX XXXX XXXX was not charged any overdraft fees because of the transfer I made to it before the banking day ended. However that was not the case with Capital One. Capital one had gone ahead and charged me {$70.00} in overdraft fees for no apparent reason and thereby overdrawing my account by {$67.00}. I called to let them know that they have erroneously charged my account but they insisted the fees are valid and would not issue me any refund. I explained to them there was available funds in my account before I made the transfer and the transfer would not have been successful if there was no funds available in the account. And the fact that the negative balance of {$67.00} on the account is less than the total overdraft fees of {$70.00} proves that indeed there was at least {$33.00} in the account when I made the {$30.00} instant transfer because the transfer amount is immediately taken out of the account when you inititiate it. They had previously charged me {$100.00} in fees earlier that week although I made deposits to bring the account to positive but I decided not to fight those fees. 
However I cant let them get away with this two fees because they are not valid whatsoever and the fact that XXXX XXXX XXXX did not charge me any fees proves my point and I believe all the banks are governed by the same rules and regultions

Company response to consumer: Closed with explanation