milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Trouble during payment process

Complaint: Sent mortgage payment due on  XXXX   XXXX ,  2016  in  XXXX   2016 , received by Bank of Ameri ca ( BAC ),   XXXX   XXXX ,   XXXX  . Between time payment sent and due date Bank of America raised payment amount due because of increase in escrow. Difference sent and received by  BAC   XXXX   XXXX ,  2016 . Payments due by  XXXX   XXXX  to avoid late fee. BAC did not credit account with difference until after late fee due date so that they could charge late fee of {$69.00}. I have contacted BAC regarding this and have received no response.

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 02/20/2017 about Payday loan () with Mobiloans, LLC (VA).
Issue: Charged fees or interest I didn't expect

Complaint: fees and payments were different than what they are deducting from my bank account ; additionally i have learned they are n't licensed or authorized to do business in VA ; also no instructions for stopping ACH transactions on statement ; terms and conditions or website.

Company response to consumer: Untimely response
Consumer complaint received 11/14/2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: My name is XXXX XXXX I live with my family at XXXX XXXX XXXX XXXX CA XXXX, in XX/XX/XXXX I received loan from XXXX XXXX XXXX un aware and not understanding the terms of the loan to an interest only payment i was making my payments for many years. In XX/XX/XXXX without my knowledge they switched the loan to Wachovia and I was making my payments to them. In XX/XX/XXXX I was switched to Wells Fargo ( a night mare ). Around that time my payments adjusted to three times the amount I was paying. I was struggling to make my payments I reached out to Wells Fargo begging for assistance for a modification. For several years I faxed all requested documentation to wells fargo litigation department but they would deny me every time I have continue to plead with them for a modification to no avail. 
under the settlement that was signed by XXXX XXXX and Wells Fargo in XX/XX/XXXX I qualify for a modification, I believe they are violating the settlement agreement and they are violating my right to get a modification due to the pick-a-payment they give me in XX/XX/XXXX. 
I am requesting your assistance in this matter and to investigate why Wells Fargo is violating and not honoring the settlement agreement that was signed in XX/XX/XXXX. 
Please I need your help I do not want to be homeless.

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 10-10-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: In the XX/XX/2015, CFPB opened an investigation into why student borrowers are falling off their income based re-payment plans. They found that more than half of borrowers were failing to re-certify by the yearly deadline and submitted inquires with the major loan servicers ( XXXX XXXX, XXXX, XXXX, PHEAA/FedLoan ) as to the potential cause. I would like to share my recent experience with FedLoan Servicing. This past XXXX, my checking account was suddenly over-drafted with a {$3500.00} charge from FedLoan ( XXXX times my monthly payment ). After calling FedLoan to determine the cause, I was told that I had failed to re-certify my loan. I questioned when I had been notified. They responded that they had sent me electronic communication a couple months prior. In short, this resulted in my interest being capitalized ( now costing me additionally ~ {$2500.00} a year ) and I was placed on standard repayment. I quickly re-certified, but was told I could not be re-started on income-based payments for another month due to " processing time '' so I was required to make another {$3500.00} payment the following month. I contacted FedLoan again saying I could not afford this payment. They offered forbearance but said my interest would be capitalized again. I submitted a complaint with the federal US Department of Ed Ombudsman and the FedLoan servicer Ombudsman of insufficient notification and requested the capitalization be reversed. They claimed the electronic notification was enough. Despite there being no phone calls or paper notification to my home address. I have since canceled online notifications, I now get an e-mail every couple weeks to " sign up for our electronic notifications '' by FedLoans " to be green. '' Obviously that previously did not work out in my favor. I submit my story to help CFPB and others understand the barriers to re-certification : ( 1 ) Electronic notification is pushed hard by the loan servicers ( 2 ) They send e-mails but then require you to log in to a secure database to read their messages ( 3 ) They send messages monthly about payments coming due making a change in loan status harder to identify in the sea of e-mails ( 4 ) They do not phone or send a supplemental paper letter if a substantial change is about to occur to your account. Unfortunately, missing one e-mail will now cost me {$2500.00} a year in interest on my interest.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid off all my credit cards and car loan and my credit score still has all full balances and has not updated since XX/XX/XXXX. This is keeping me from qualifying for a home loan. Can someone please help me on getting my credit updated?!

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: All negative reports should be deleted from my file. Each account has been paid to the original creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Checking or savings account (Savings account) with SUNTRUST BANKS, INC. (GA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I originally opened this account with   XXXX   XXXX  , as a maintenance free savings account,  XXXX  was bought out by  XXXX  and the savings account continued. Both the saving and checking account remained under the agreement.     Suntrust bought out  XXXX  years ago and then took on my saving contract which is a no maintenance free account with no fee charge. The only stipulation is that I allow the transfer of  XXXX  dollars per month on or about the  XXXX  of each month from my checking to my savings. This contract and policy has been in place since its inception.     Mysteriously Suntrust started removing  XXXX  dollars a month from my savings account earlier this year, claiming a monthly statement fee. I have not requested a monthly statement, nor agreed to a monthly statement fee. SunTrust is creating this with out my request.     I wrote to Suntrust about it and also filed a complaint here with the CFPB, and initially they refunded the   XX/XX/XXXX  month of unrequited statement fees but have since started charging me  XXXX  dollars a month for a service I have not requested. I then sent another email to SunTrust asking them to stop taking money from me, but they continue to fleece my savings account for non requested services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
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: All of these Accounts were open up in XXXX XXXX Nevada. And I live in Alabama. I mailed a fraud affidavit. Police report 3 days ago in reference to these accounts. I mailed 16 years of Alabama state Id. Every last one of these accounts are affiliated with XXXX XXXX Nevada. They were all open. In Nevada and have a attached Nevada address. Please see police report and remove from credit file. 1.XXXX XXXX- -'- Fraud auto loan open up in XXXX XXXX Nevada 2.XXXX XXXX- Fraud apartment XXXX XXXX Nevada 3.XXXX XXXX Fraud merchandise was mailed to XXXX XXXX address 4.XXXX XXXX - Fraud XXXX XXXX Nevada address 5 . XXXX XXXX- Fraud XXXX XXXX Nevada address 6. XXXX XXXX -- -- Fraud cable company in XXXX XXXX Nevada 7 Chapter XXXX -- -- -- Fraud was filed online Pro see XXXX XXXX Nevada 8. -22- unaurhirized inquiries Fraud paperwork will show all fraud inquiries on my credit report. With Fraud affidavit and police report please remove ALL from credit file.

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 11/14/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX Payment - Same address as the one listed on complaint This item is being disputed is due to communication breakdown between Wells Fargo and XXXX XXXX. I spoke with XXXX from Wells Fargo on XXXX/XXXX/16 at XXXX ( His ID number is XXXX ). I asked why have I not received any email reminders as I have in the past and he had no answer to that. I also received a letter on XXXX XXXX from Wells Fargo letting me know about the late payment, with nothing prior to that. This letter came after the fact, a phone call or email should have taken place to remind me of the late payment per my electronic communication agreement. The payment was made along with future payments, I would like to get the 30-day late payment removed from my credit report, since the payment was made and no communication with Wells Fargo took place reminding me of the payment. I signed up for electronic communication when this account was opened and opted out of paper communication. I should have received my monthly reminders as I have in the past, but that did not take place and was confirmed by XXXX XXXX, that I should have. I also spoke with XXXX ( ID # SWL ) on XXXX/XXXX/16 around XXXX and he did not help in any way, I have not missed a payment with Wells Fargo since I got my Mortgage with them on XXXX. I have always gotten the email communication. I have plenty of Cash in my Checking account, so lack of funds was not an issue. ( I can supply bank statements if deemed necessary ). XXXX also provided me with a phone number which they stated was used to let me know about the payment, but that number was no longer in service ( Since XXXX/XXXX/2016 ). I changed the number on the Online system but according to them that never took place. I would like to have them remove the 30 day notice from my Credit Reports, since they did not provide me with the electronic communication which was agreed upon when I signed up with them. I have worked very hard on my Credit Report and it has decreased by XXXX points due to this matter, which I feel is due to their mistake. 

Thank you very much

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 01/27/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: - Refinanced my mortgage loan from XXXX to PennyMac on XXXX/XXXX/XXXX for a 30 year fixed at 3.75 % in the amount of {$170000.00} Loan type : Conventional W/O PMI - Was new mortgage analysis I requested XX/XX/XXXX completed? NOT COMPLETED AS OF XXXX/XXXX/

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  XXXX XXXX, 2017 Via US Postal Service Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware, XXXX Re : Account numbers : XXXX and XXXX Dear Chase Bank Representative : I am writing this to you due to inconsistencies in your reporting to the credit bureau. After the accounts were closed with Chase Bank, Chase Bank entered additional activity of late payments once the accounts were closed. This practice is deceptive and increased the amount of time the entries regarding Chase will be on my credit file.
I have attached the Chase Bank credit reporting for your review. This practice violates the Fair Trade Collections Practices. Once the account is closed the credit grantor should not continually report activity to lengthen the time of debt collection.
Since you do not have the correct information to solicit this debit please remove Chase and all trade lines regarding Chase from my credit bureau credit reports. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
Additionally, I have submitted a complaint to the Consumer Financial Protection Bureau in response to this alleged debt. Please remove from all credit bureau files.
Thank you for your cooperation.
Sincerely, XXXX XXXX Cc : XXXX XXXX  XXXX Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (OK).
Issue: Managing the loan or lease

Complaint: Ally Financial called my parents ' home number which I never gave to them EVER to harass them about ONE late payment. I had already filed a complain against them for abusively calling my own phone number, so I assume they tracked down my parents ' phone number and decided to attempt reaching me by harassing them. Unacceptable and, in my opinion, worth being sued for it. When I called them to ask how they got the number when I never gave it to them they said they would not remove my parents ' phone number until they received payment. The representative was rude and then hung up on me. They have absolutely no right to harass my elderly parents who have NOTHING to do with my own accounts. And this came to happen with just ONE late payment that was n't even 30 days late yet. This is completely unacceptable. Late or not, they have always been paid and I have paid ALL late fees. This harassment MUST STOP.

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 11-06-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: I had a checking account and savings account with J.P. Morgan Chase Bank.And executed a fraudulent foreclosure and eviction on the home of the owner to the whoom I paid rent to. So, when I placed my name in the counter complaint filed by the owner then Chase bank in retaliation for this action froze my bank account, and eventually closed my bank account without any explanation given and when I asked them they refused to let me know the reason why!

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CO).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm an XXXX representing a gentleman who has a mortgage with US Bank. The home went into foreclosure XXXX 2014, 20 months ago. Twenty months ago. The home is no longer in foreclosure because the lender has failed to prosecute the foreclosure. The lender does not even realize that it is *no longer in foreclosure* due to its own delays. My client and I spent XXXX minutes on the phone with US Bank today. We were transferred many times, asked the same questions many times and, in the end, told that it could not assist us. It referred us back to the foreclosing attorneys with whom we spoke yesterday. The foreclosing attorney noted that it had no information on the property other than the fact that it was in foreclosure. It is *not* in foreclosure. US Bank took too long to prosecute the foreclosure and the Public Trustee removed it from the process In Accordance With The Foreclosure Law. All my client wants to know is what does US Bank intend to do? Instead US Bank insists that the property is in foreclosure and has referred me to the foreclosing attorney. Truly going round in circles here and both the foreclosing attorney as well as US Bank are well aware that it has engaged in a run around with my client. Consumers should not be treated in this fashion. 

XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, CO XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I started to monitor my credit with XXXX and noticed a few information that i did not recognize. I realized that there are inquiries on my credit report that i did not allow to be placed. I did not give anyone the OK to use my credit. I have listed the inquiries along with the dates of each individual inquiry. 

Transunion XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) I spoke to a customer service representative from XXXX and Transunion so that the inquiries can be removed. The inquiries are still reporting on my credit report. I do not know what to do, i have even spoken to a supervisor but they will not help me.

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 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: EXPERIAN AND XXXX REPORTS A XXXX XXXX THAT WAS REMOVED 4YRS AGO NOW ITS UNDER XXXX XXXX XXXX. THAT WAS REMOVED FOR ID THEFT PLS REMOVE IT

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 06/17/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: In 2012 it was time for me to begin repaying my federal student loans. I was pregnant with my second child and due to health complications I was unable to work, therefore paying my student loans were impossible. The college that I had been attending told me that I could apply for forbearance due to a " financial hardship ''. I contacted FedLoan Servicing, which is the company that is servicing my loans and I applied for a forbearance. After a few days I received a phone call, as well as a letter in the mail stating that my forbearance request had been approved for the dates of XXXX/XXXX/2012 - XXXX/XXXX/2012. I spoke with a representative over the phone and asked her to explain the forbearance terms and she explained that because my forbearance was approved for those dates and there would n't be an data reported to my credit report. XX/XX/2012, FedLoan Servicing reported to my credit report that I was " 30 & 60 days late '' on my monthly payment. They reported this on both of my student loans. I was never late because I had applied for financial hardship. The XXXX late pay entries are holding me back from being able to qualify for a home loan and I was not at fault. I have tried disputing the incorrect information but have gotten no where. I would like to have these Items updated to the correct information. Please delete the 30 & 60 day late payment entries.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I obtained my annual credit report XXXX Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXXstore cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! XXXX Auto Dealers? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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