milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I attempted to open an account online with Wells Fargo on XXXX XXXX, I completed the necessary forms and also authorized them to take {$500.00} from my XXXX bank account to fund the new account. On XXXX XXXX I was advised that I was approved and that my new debit card had been mailed. On XXXX XXXX the {$500.00} was taken from my account by Wells Fargo. On or around the XXXX I received my new card. On the XXXX I tried to activate my new card by phone and was told that the card number could not be found. After several calls to various divisions of Wells Fargo I was told that my account had been closed as a result of a business decision by the bank and that since the account had not been funded the account was automatically closed. I provided the transfer information that I was given by Regions including online tracing numbers and the Wells Fargo Co ID. I spent 3 hours on the phone with Wells Fargo on Saturday and in the process was able to file a complaint and was provided a Case ID # and a number to call yesterday to find out the results of the investigation. I called back yesterday and today and they still say they do not have the money. Thus far I have spent 5 hours on the phone with the bank to retrieve funds that were not to be taken out of my account until the account was operative. They removed the money, closed the account 5 days later and now say they do n't have the money. I just want to know what to do.

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 08/30/2017 about Debt collection (Credit card debt) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XX/XX/XXXX, I received my first phone call from XXXX XXXX XXXX from XXXX XXXX, claiming to be an attorney threatening me that he was going to have me served at my work that day with a lawsuit against me. Told me that of I did n't pay, he would have me served in front of all of my co-workers. He also threatened me by saying that he sees we just bought a house, and rattled off some date and price of the home for what and when we bought it that was incorrect and told me they were going to put a lean on my home. He has called every day since, at my work number. Today, on XX/XX/XXXX, he spoke directly to one of my co-workers yelling at her and demanding to know my direct supervisors name, and she, not knowing who this person was, gave him my supervisors name, because again, he told her he was an attorney. He told her that he was with the district court of XXXX XXXX BUT on the paperwork I asked him to email me so I knew what this was in regards to, he is listed as just a litigation officer ( basically, an employee at this company ). I have NO idea what this debt collection is for as I have never had a MC with XXXX XXXX. I have included the paperwork he sent me via email.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Account opening, closing, or management

Complaint: This is added to complaint number XXXX. Evidently, someone changed my overdraft protection which caused a alleged NSF ( not sufficient funds ). This caused a major problem but I still have n't received notice of this. I do n't believe in consequence, Someone from the IRS at the last minute to deny my tax refund due to the four years use of the Hope Credit. The problem is that I never used the Hope Credit because it does n't apply to me. Due to the NSF my check for rent was n't accepted for XXXX XXXX XXXX and suddenly under time they want to remove me even with funds available. I do n't believe that this fraud can be just happening and you still have n't received an answer from Huntington Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-06-2017 about Payday loan, title loan, or personal loan (Installment loan) with Enova International, Inc. (GA).
Issue: Charged fees or interest you didn't expect

Complaint: I received an email for a loan over the internet saying I was pre-approved. I filled out the information and was sent to a page that showed me a loan amount and the monthly payment the next page you click is to get the interest rate and other information before accepting the loan. When I clicked to go to this page the loan was confirmed and then i got to see the interest rate which was right at 60 %. I tried to call them and ask them why my rate was so high but could not get an answer. The information I reviewed said loan would be around 35 % which is very high but I really needed the money to keep a home for my children and me. I have since talked to them and they say I knew what I was getting I have been paying on loan for almost three years and the balance has went down only a few hundred dollars all of the first three years are almost all interest. I am a XXXX veteran and I take lots of XXXX for XXXX and I thought I was getting a loan that I could afford but the hidden rates and payment schedule really caught me off guard and now I have roughly two and half more years to pay these criminals that would take advantage of a XXXX XXXX person and charge 60 % interest to that I will end up paying over {$14000.00} for an {$5600.00} loan. I ca n't believe this is legal. I got a loan paper in the mail today from another company with rates as high as 175 %?? Please help at this point I have paid them back over {$8500.00} and I only borrowed {$5600.00} total. Please help I have tried to work out a deal with them and they said they would rather have nothing than help me out.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with WAKEFIELD & ASSOCIATES, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Creditor says the filed Letter Of Completion months ago. The credit account was fraudulent to begin with according to Colorado State Law. I have attached a copy. Please remove from my credit history/report. XXXX XXXX admitted to filing the collection incorrectly because they did not provide me with an invoice explaining why I did not receive my deposit and why I owed extra money. 

I have been told this was filed with the Bureaus a while back but it continues to be reflected on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit card () with BARCLAYS BANK DELAWARE (NJ).
Issue: Billing disputes

Complaint: I recently opened a Barclay credit card for a purchase of an XXXX computer. XXXX automatically directs you to them for financing. My wife also has a bBarclay account. I made a payment on my account on XXXX/XXXX/17 and it was applied to my wifes account in error. Barclay will not correct the mistake or return the {$100.00}. What can I do.

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 11-07-2016 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I believe that the 8 % interest rate on my consolidation loan rate is fraudulent. I have tried multiple times, without success, to find out from AES, the consolidation loan servicer, how this rate was calculated. According to the loan document small print : " The maximum interest rate on this loan will be equal to the weighted average of the interest rates on the loans consolidated ... '' The rates on the original loans range from 3.45 % -3.6 %. Logically, the rate on my consolidation loan should fall somewhere in that range as well, yet I have been paying 8 % since 1997. I want my loan to be re-calculated at the correct rate and any overpayments i may have forwarded to be returned to me at 8 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Our client, XXXX XXXX XXXX submitted a loan modification on XXXX XXXX, XXXX. Proof of same attached. Her sale date was not until XXXX XXXX, XXXX. After cooperating with Ditech and opposing counsel with the clarification and ongoing submission of documentation, along with filing a motion on XXXX XXXX, XXXX ( Emergency Motion to Cancel the Sale ) based on CFPB guidelines, we finally got opposing counsel to confirm the file was facially complete and sent an agreed order cancelling the sale to Judge XXXX on XXXX XXXX, XXXX. Unfortunately, XXXX XXXX did not receive the order and the sale went through. We then filed our objection to sale on the basis that there was a pending loan modification review AND that we had oppossing counsel 's agreement on XXXX XXXX, XXXX. We had a hearing on our objection on XXXX XXXX, XXXX. Opposing counsel lied to the Judge that we did not file a motion to attempt to cancel or stay the sale ( we did on XXXX XXXX, XXXX ) and opposing counsel lied and indicated they did not have all the documentation necessary ( which they did and confirmed via email re : same and attached ). Opposing counsel also indicated to the Judge that our client was NOT on the mortgage when in fact she was. The XXXX did not weigh in our favor and his decision was based upon incorrect information. As a result, our client is being threatened by the new owner when we are in the process of filing a motion for rehearing because the Judge did not have the proper facts to make an informed, fair decision. We ask for your help in that we need this opportunity and support so to file a motion for rehearing and have the certificate of title vacated as all was done as a result of incorrect information. I have attached emails in support.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Vehicle loan or lease (Loan) with BMW Financial Services NA, LLC (CA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I 've made numerous attempts to request assistance from XXXXBMW Financial Services NA LLC. to work with me in getting my auto loan reduced. The first attempt to seek assistance in reducing the note created an inflated car payment. Thereafter, I made several calls and was left on hold for lengthy periods of time. I sent emails however no one would responded. The final solution was to surrender the vehicle. I mailed letters to XXXX and BMW and submitted a complaint to Consumer Financial Protection Bureau Complaint # XXXX. A XXXX XXXX with XXXX XXXX XXXX submitted a letter of response to my complaint online only nothing was ever mailed to me. I made several attempts to get in touch with XXXX XXXX but was not able to speak directly with her nor anyone in her department. Therefore, the response sent was never honored. Instead XXXX/BMW sent CARS, a repo company to harass residents at the address listed on file. I spoke directly with a gentlemen name XXXX who agreed to cease and desist in an effort to follow up on XXXX XXXX regarding the letter. There has not been a successful resolution to the auto loan instead BMW representatives have sought legal counsel to file a lawsuit. Case # XXXX in Superior Court of California , County of XXXX. XXXXBMW. This company makes it is difficult to contact a representative in authority to work out a solution that will allow consumers to honor their agreement with XXXXBMW.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I requested an investigation from the credit bureau twice for a mistake on a delinquency. My credit report states the account had been paid and closed on XXXX/XXXX/2014. However, it also states the account has been transferred to another office. When I contacted the company that I had the account with they state its has been paid in full and is closed. I have been disputing the issue for a couple years now. The credit bureau made a remark stating that the investigation has been completed and that I disagree with them. Yet no one can give me the information on this mysterious " office '' that now has my account which was already paid in full and closed. Please help, I dont know what else I can do. Fixing my credit is very important to me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I am attending XXXX University ( fka XXXX XXXX XXXX ) to obtain my XXXX. For the XX/XX/XXXX-XX/XX/XXXX school year, I obtained approximately {$20000.00} in financing from Sallie Mae with a 2.25 % variable interest rate reduced to 2.00 % with auto debit. For the XX/XX/XXXX-XX/XX/XXXX school year, I applied for a {$35000.00} loan from Sallie Mae with a 6 % variable interest rate. I was shocked by the 4 % increase given that my credit score is still XXXX and nothing else in my credit history has changed. Sallie Mae advisors confirmed that my credit score and history was not materially different but would not tell me why my rate increased. After multiple phone calls, I was told that I could not be told the reason for the 4 % increase because it is " proprietary information. '' I find that hard to believe as I used to be a commercial lender and we always had to be clear about the reason for rate increases.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Transaction issue

Complaint: I purchased XXXX items from Kohl 's using Kohl 's Charge Card online ( order # XXXX XXXX. I refused delivery with the carrier and the items were returned to Kohl 's. Kohl 's has refunded XXXX item but refuses to refund the other item and Kohl 's Charge refuses to reverse the charge. I never got possession of the item so expect the charges to be reversed. There were purchased together and shipped under the same tracking number and where refused delivery at the same time. So I am puzzled why Kohl 's have decided to reverse the charge for XXXX but not the other.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My mortgage company, OCWEN Loan servicing, tried to foreclose after approving me for a modification of my loan. They contacted the bankruptcy court stating they had not received any payments on my behalf when in fact I sent my trial payment for XX/XX/XXXX on XXXX/XXXX/XXXX. I provided their attorney with print outs from their Webb site with payment verification and therefore their attorney had to withdraw his motion. This resulting in my bankruptcy judge approving my modification later on XXXX/XXXX/XXXX. My mortgage company went back and back-dated my payment history in my record showing a motion to relief stay filed on XXXX/XXXX/XXXX. By this date the mortgage company received payment amount $ XXXX.for XX/XX/XXXX from me., {$240.00} from trustee in XX/XX/XXXX, {$240.00} from trustee in XX/XX/XXXX, {$240.00} in XX/XX/XXXX from trustee, and XXXX {$340.00} from me. I spoke with several relationship mgrs for my account whom assured me all payment would be applied to current mortgage. Now their saying I 'm 3 months behind and sent me a reinstate quote, via email. can someone please help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Other transaction problem

Complaint: I applied for a XXXX XXXX with XXXX. I called and fax the company a letter requesting that they do not process my payment which was due on XXXX XXXX. The payment was not processed on this date but instead they processed it today. I am having extreme financial hardship and that I am filing bankruptcy, this was explained to them on my letter I faxed over. When I called them to confirm receipt of my letter I was told they did n't receive it but I had a confirmation on my side ( i have attached proof of confirmation ) stating the fax went through. In my letter I expressed they were no longer authorized to debit my account and cease collection attempts. They failed to cooperate and now I am - {$270.00} over drawn.

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 10-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage Loss Drafts Department which refuses to release insurance claim proceeds. 
All checks received from XXXX insurance have been endorsed and sent to Nationstar Mortgage. As requested, all documentation required and listed in the Nationstar Loss Drafts Department package has been provided on timely manner and required inspection took place twice at our property. The second inspection was on XXXX XXXX, 2016 and repair has been approved for release all funds. The website says the funds have been released in 6 days. However Nationstar mortgage makes all possible way do not pay the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company calls myself and my consigner at least once an hour all day long every day. They have even began to call references asking that we contact them after I have already spoken with them trying to make a payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The Servicer Navient, for XXXX changed my loan terms without my knowledge or approval. I have never missed a payment or been late on a payment. The payments went from {$50.00} to {$150.00} without my consent. Navient ( spoke with Supervisor XXXX ID XXXX on XXXX/XXXX/2016 ) stated that there was mistake several years ago when the loan was first made and terms of the loan needed to change with or without my consent so it could be paid off in 15 years. They sent me XXXX email ( on XXXX/XXXX/2016 ) which said to go to their website to see information related to my loan, which I overlooked and never saw. The also said they sent another email, but I did not receive any other communication via email. Navient also stated they called and did not leave messages on XXXX occasions on XXXX XXXX, and XXXX, 2016. There was no written communication sent to my home regarding any proposed changes to my loan terms. The auto draft came out for my XXXX payment for the {$150.00}, which I disputed with my bank and reversed. Navient is now saying I am now past due for the {$150.00} and owe for both XXXX and XXXX {$150.00} for each month. 
I do not consent to this change and would like assistance in returning my loan terms to the original agreed terms. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Settlement process and costs

Complaint: I am desperately seeking your assistance in clearing up a mistake that Nationstar made on my home loan account. I would appreciate you looking into my account to advise of further actions needed. 

I currently have an FHA loan on my home. To give you some background, I lost my job and fell behind on mortgage payments, for fear of losing my home to foreclosure I placed my home on the market and have a buyer to purchase at full asking price. With this I am able to avoid foreclosure or short sale and am able to pay Nationstar the full price I owe on my property. 

The problem is that Nationstar mistakenly recorded a partial claim deed of trust in error. This partial claim was recorded XX/XX/2016, but a a denial letter for modification ( associated with the lien ) was sent after that was recorded XX/XX/2016. My title company and myself have been dealing with this for 2 months now. Nationstar, attorneys for Nationstar, and HUD all acknowledge what the problem is and that Nationstar mistakenly recorded this on the title, but are not promptly acting on this to correct their mistake to clear this title. I actually have recorded telephone conversation from Nationstar stating that " it is their mistake '', they " do n't know how this happened '' and " someone make a big mistake here ''. I can send you these recorded conversations per your request. I 'm not asking for a handout or for any waiving of money that I actually owe, I 'm asking for something in writing stating that there is no lien, or account if any sorts attached to the title by Nationstar. 

I have been getting a runaround for months from Nationstar. Every employee I speak to ( or that the title company speaks to ) states it will take another day, week, etc to correct. I 'm begging for your prompt assistance. Nationstar has officially delayed closing for over a month and this is causing great financial distress. I do not wish to have to retain attorneys as many have suggested to force this issue to be corrected, I just want to resolve this quickly so I may move on in an attempt to rebuild my life. 

File Number-XXXX-Address-XXXX XXXX XXXX XXXX ( Email Ref=XXXX ) Respectfully, XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Alternative contact regarding this situation is : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Debt collection (Other debt) with EQUIFAX, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have an acct with XXXX XXXX XXXX that is now in bankruptcy but in the comments it is stating charge off fixed rates which is incorrect it should state in the comments included in bankruptcy chapterXXXX

Company response to consumer: Closed with explanation