milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/19/2018 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (MD).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX Consumer Financial Protection Bureau It is with great sadness that I write your company. We were the original owner of this property until an investor by the name of XXXX XXXX purchased this property with the intent that we would at some point, be able to reclaim the property. However, XXXX XXXX allowed the house to go to foreclosure. He suggested that we stay in communication with the bank to maintain residency here. We did as instructed. The bank requested that we send them a copy of the lease agreement with XXXX XXXX and a list of all persons living in the house. We did as instructed, and they responded that we had a bonafide lease. In XXXX of XXXX they requested the same again. We supplied all documents again, also to include every cashed check to date. The bank, XXXX XXXX XXXX XXXX   XXXX XXXX XXXX was the financial intuition that was in ownership of the property, with the company is XXXX, as XXXX XXXX with our checks being sent to XXXX XXXX. The bank has recently sold the house to an investor, in XX/XX/XXXX and yet still receiving our checks for rent and cashing them. However, no one ever sent our family notification of intent to sell. With that being said, the investor has asked us to move without proper/sufficient notice. We are currently in need of your help. First, to assist in what our rights are as tenants and Second, to gain the ability to reside here for at least until the school year has officially been deemed over. Which concludes in XX/XX/XXXX. I have attached a copy of the letters and emails sent from the attorney of the investors, that currently own the house and as well a copy of our lease agreement with XXXX and XXXX XXXX. I will as well attach any cashed checks from the past year to show the intent was to remain here, with the consent of the aforementioned bank. This move in such short notice will cause a massive shortfall for our family. We have XXXX children under XXXX that their welfare is our top priority.

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 09/21/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: This is not a complaint against the bank per se, it 's more a complaint about your regulation for this particular type of transaction. My friend was in desperate need of money and he asked me to deposit {$60.00} into his B of A account. When I presented B of A with {$60.00} in cash, they insisted on seeing my driver 's license and recorded my number in their system. They claimed this is a regulation from the Federal Government. I think this is absolutely ridiculous. Depositing {$60.00} in cash and recording that information serves XXXX purpose other than just more paperwork, and more useless paper-trailing and XXXX XXXX tracking. You 're not stopping any XXXX activity nor catching any XXXX by having them monitor a {$60.00} cash deposit. I would understand maybe if you had some kind of threshold maybe of {$1000.00} or something but me lending my friend a few bucks is no ones business. I like the idea of the CFPB, but your XXXX regulations like this make me want to side with some Republicans and get rid of your department.

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 04-03-2017 about Debt collection (I do not know) with Navient Solutions, LLC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Harrasing phone calls concerning a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: Recently, I noticed that my bank had charged me an overdraft fee, even when I had the funds to cover a transaction. I looked at past bank statements and noticed that my ending daily balance was sufficient to cover certain transactions yet, the bank still charged an overdraft fee. I called the bank and was informed they can only look back 90 days and per their records, I was entitled to {$45.00} returned to my account. I asked the representative how can I have my account audited through past statements and was told I could not do that. I asked whom could I speak with about it and was told that there is nothing I can do and they can only go back 90 days. To date, they still have not returned the {$45.00} as I was informed and I 've called twice to speak to someone and am left on hold, longest was 47 minutes.

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 07-10-2015 about Bank account or service (Checking account) with DISCOVER BANK (AZ).
Issue: Account opening, closing, or management

Complaint: I was having Discover checking account which i closed during XX/XX/2015. But i am still getting emails from Discover Bank with various promotions and advertising their services. Worst there is no way i can unsubscribe to these emails as there is no unsubsribe link in the the emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2018 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (CA).
Issue: Trouble during payment process

Complaint: I paid my property tax ( {$4200.00} ) to the XXXX XXXX XXXX Collector directly early XX/XX/2018, ahead of the scheduled payment from my escrow account. I informed Citimortgage and gave them a copy the check and the XXXX payment notice. I was assured that I will get that amount refunded. I received a check dated XX/XX/2018 for the amount of {$3800.00}. I called Citimortgage and was told that the amount was based on their calculations for this year 's escrow and their estimated tax will be higher and my monthly would be lower. I fully understand and expected the increase in Taxes and my monthly dues, but using my money in advance for this mortgage company to use is totally unfair to borrowers.

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 12-11-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Payoff process

Complaint: I called my credit card co. to pay off my debt in full on XX/XX/XXXXl. I did, and then I received a refund from an online company that owed me {$58.00} and it posted to my credit card on XX/XX/XXXX as well ( it shows on the statement ). On my next bill, which I got today XXXX/XXXX/15, that refund was absorbed into some make believe charges that the credit card XXXX said I owed in interest, and that I still owed them an addtional {$4.00} and some change. I said why was n't that interest included in my payment when I paid off the credit card in full? They said it was to accrue over the entire month when my bill was actually due. 
Now mind you, my billing date is the XXXX of every month and I paid in full on XX/XX/XXXX. So, I was charged an entire month for interest on a bill I paid on the first, but they said it did n't matter and calculated what would accrue over the entire month up until XX/XX/XXXX. That seems pretty unfair. How is it collecting interest if it was paid off on the XXXX of the month 3 days after my last bill was due and paid for before XX/XX/XXXX, which I paid on XX/XX/XXXX, and it was more than the minimum amount due. So, I was charged about {$65.00} in additional charges after I paid my account completely off. I want someone else to explain this to me, or I am going to think I was penalized for paying my account in full.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: Wells Fargo Bank makes it a standard practice with their online bill pay service to withhold funds from a customer 's account at least 5 days before the payment is to arrive to the payee. This practice applies to payments for which the bank must mail a paper check. It seems that the bank holds the funds from the customer 's account XXXX3 days before the check is actually mailed, thereby giving the bank several days use of the customer 's funds before the bank has to actually honor the check and surrender the funds to the payee. Wells mails these checks in unpostmarked, non-dated envelopes preventing discovery of the date actually mailed as well as the location from which mailed. This seems to be an unfair practice of the bank which needs to be investigated and eliminated.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I had Direct student loans and had them transfered Navient .Before it was transferred my federal income tax was garnished to pay towards the debt and I never saw anything showing that the money was paid towards my account. No statements did n't show on my credit report either.And It was over {$2000.00} which was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Equifax on numerous occasions since XXXX 2015 trying to rectify my issues by sending certified letters with my fraud claim/police report and identifying information. Every claim I have disputed, Equifax has replied that the items I am disputing ( specifically a collection : XXXX XXXX XXXX XXXX ) is verified as mine. I contacted Equifax to receive the identifying information that concludes this report is mine and was told that it would be sent. After not receiving this information I called again and was told that they could only verify that XXXX XXXX XXXX XXXX verified it was mine and they can only go by what the agency reports. If Equifax has the right to keep fraudulent information on my record, I need to have the identifying information. In the past, when I have requested identifying information on another disputed account, Equifax only sent a letter stating that my " social/address/and DOB were verified ''. This is not sufficient. If I am a victim of identiy theft, how is this verifying information. I would like this information removed from my credit report, as this account does not belong to me. Equifax is holding on to fraudlent information and not protecting my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Great American Finance Co (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a call from XXXX XXXX at Great American Finance Company from the number XXXX at work a past due balance on a furniture bill that is {$110.00} and some change. I asked XXXX XXXX not to contact me at my job. He ignored my request and continued to tell me again that he was calling about my bill and that if I paid my bill then he would n't be calling me. I explained to him that I made a request for him to not call my job and the I will be reporting him to the FTC and XXXX XXXX 's office and his response was " do what you got ta do ''! He went on to say you should be paying your bills. I ended the call right there due to his harassment. He said XXXX blurb about the bill contents ; it was more so harassment due to me asking him not to call my job.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America answered the above complaint and I disputed it. since then I have heard nothing from them. the case number is Case number : XXXX all material was submitted previously on above case number. I spoke to them previously and they said the case was closed. that is when I disputed. please refer to all information previously submitted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Student loan (Non-federal student loan) with AES/PHEAA (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello, American Education Services acquired my private school loan from XXXX bank about a year ago. I have been making my monthly payments through automatic debit ( which provides a slight decrease in my apr and defaults to the amount that they expect to be due ... even if I pay ahead it 's always a specific amount ). I recently realized that breaking my payment into bi-weekly payments would help me pay off the loan sooner and with less interest. 

I contacted AES and requested that my automatic debit amount be changed. I first requested that it be taken out bi-weekly but they said they ca n't do that. I then requested that they only take out the half of the payment when they process it then ( so keep the auto debit but have it be half the amount ). And then I could go in and enter a manual payment for the rest. They said they ca n't do that. 

In no other industry have I encountered a company that wo n't let me automatically debit the amount that I request. This is unfair business practices because in order to make the payments as I would like I need to cancel the auto-debit and make the payments manually on my own which will lead to me losing the apr benefit that I am getting with auto debit. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On  XXXX   XXXX ,2017 Transunion received a dispute ( via   XXXX   XXXX   ) from me regarding a collection item  XXXX   XXXX   XXXX   XXXX  (   XXXX   XXXX   XXXX   ) for the amount of {$5000.00}. Transunion took 51 days  XXXX   XXXX ,  2017  to give me an update. During the 51 days they never asked me to provide them with additional information or documents. I am requesting that you look into this because I believe that my consumer rights Under the Fair Credit Reporting Act were violated since it took them over 30 days to respond.  " Reporting Agency has  to review and respond to every disputed item within 30 days or remove item being disputed. '' I respectfully thank you for looking into this and having the above item removed from my credit report.

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 06/25/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Settlement process and costs

Complaint: In selling my house, the buyer was getting financing through Wells Fargo Home Mortgage Wells Fargo delayed the closing at XXXX the day before closing because " they needed more time '', with no explanation as to what the hold up was or any idea of how long things would be delayed. They had communicated the week before to the buyer that things would be on time. Subsequent calls and emails to try and get details or information went unanswered and unreturned. I 've called and emailed the loan officer, his boss and his bosses assistant with no answer, reply or call back. 

The Loan Officer involved in XXXX XXXX XXXX ( XXXX ) and his boss is XXXX XXXX ( XXXX ) I understand closings get delayed at times, but the combination of the last minute notification, no information and no follow-up from multiple parties at Wells Fargo is unacceptable and unprofessional. I will incur an estimated additional {$500.00} in moving expenses alone due to the delay in closing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: oCWEN LOAN SERVICER IS REPORTING ON MY CREDIT REPORTS TWICE. aS THOUGH I HAVE XXXX ACCOUNTS WITH THEM. XXXX XXXX IS DEFUNCT NOW AND LOAN HAS BEEN SOLD TO XXXX WITH OCWEN BEING THE SERVICER. I CONTACTED CREDIT BUREUA AND OCWEN FOR RELIEF HOWEVER NOTHING HAS BEEN DONE. THIS IS AFFECTING MY CREDIT AND DEBT TO INCOME RATIO.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Struggling to pay mortgage

Complaint: We have been retained by XXXX XXXX to help resolve the foreclosure of her home. We submitted a full modification application on her behalf to Ocwen on XXXX XXXX, 2017. OnXX/XX/XXXX I called to find out why I had not received any acknowledgment of the file. I was informed by the representative that there was no open file, that the file had not been set up for review because the did not have any programs available. When I asked why not I was told that they did not know the answer. I wrote a letter to Ocwen escalations asking for an explanation. I was informed that on XX/XX/XXXX it was decided that the file did not qualify because they only have 2 mod options, one for loans less than 90 days delinquent and another for streamline mods and that she does not qualify for either. The loan is definitely more than 90 days delinquent so that I understand. I do not know how they know she does not qualify for a streamline if they did not review her file. I do not know the criteria for that program and they will not give it to me. I asked for an NPV evaluation and was told they do not have one because they did not review the file. Additionally, if the streamline program does not require a mod application submission I do not see how you can " Not qualify ''. To date, I have received no further explanation of the denial nor any options available to save the property.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Problems caused by my funds being low

Complaint: after, my initial complaint with Bank Of America ( case # XXXX ) i decided to close my checking and savings accounts with them. I went to the bank on XX/XX/XXXX at approximately XXXX for that purpose. 
I spoke with the representative about my request ... ASKED HER SPECIFICALLY to make sure my last 2 checks had cleared ( 1 of which was written to XXXX mortgage company for payment ) she stated they both HAD CLEARED ..so I then initiated the paperwork to close the 2 accounts ... i was given the funds from those accounts and i left .the bank. 
4 days later I received a notice from Bank of America, stating that my check to XXXX had been processed, apparently on the EXACT SAME DAY I CLOSED THE ACCOUNTS XX/XX/2016 ) ... .and it was " denied " for insufficient funds ..that was my MORTAGE payment which was written and mailed on the XX/XX/XXXX!!!! how could that happen when the representative told me it had in fact cleared and why did it take 6 days for BANK OF AMERICA to process ... ..it appears to me the timing is off on this SCENERIO ... if i was told it had cleared on the very day i was in there ... how could BANK OF AMERICA NOT HAVE PROCESSED IT BY THE TIME I WAS IN THERE AT XXXX ... ..SO YET AGAIN I am on the recieivng end ... incurring the problem and i have to do damage control ... take a hit on my credit score ..i have NEVER had a check returned for insufficient funds ... i had to call my mortgage company explain to them this was A MISTAKE OF BANK OF AMERICA and begged them to not penalize me OR SUB, IT A " DELINQUENT DING " ON MY CREDIT HISTORY BECAUSE OF A MISTAKE FROM BANK OF AMERICA ... unfortunately it was too late to avoid THE REPERCUSSIONS OF THIS MISTAKE WITH XXXX ... that being stated it would be nice to have Bank of America contact my mortgage company and explain what happened and have the negative impact of this " bounced " check removed from my credit history and credit report, thus exonerating 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 explanation
Consumer complaint received 03-02-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed the account : XXXX & XXXX XXXX XXXX with XXXX Equifax , and XXXX due to Fraud. I contacted XXXX XXXX XXXX & XXXX after Equifax stated the information came back verified as accurate. XXXX XXXX XXXX assured me they sent an AUD to have the information removed from all XXXX credit bureaus. I requested a copy and forwarded the letter from XXXX signed by the Credit and Collections manager, with a screenshot of the updating the removal of account and email correspondence. Equifax refuses to remove this fraudulent account from my credit bureau file. I have called over 30 times between XXXX XXXX and XXXX XXXX and my request to have the item investigated to be removed. I am transferred from XXXX agent to another, then a different supervisor who advises " we will open a dispute and provide the results in 30 days ''. This response was given in XXXX, XXXX and XXXX. It has now been 90 days and I continue to fax, email, and call Equifax weekly and CONTINUE TO RECEIVE THE SAME RESPONSE. 

This account is causing EXTREME HARM AND DAMAGE to my credit profile and preventing me from qualifying for my first home loan program. 

Equifax is reporting as : XXXX & XXXX Account Type : Open Account Number : XXXX Payment Responsibility : Individual Date Opened : XXXX Balance Date : XXXX Balance Amount : $ XXXX Monthly Payment : High/Limit : Account Status : Collection Past Due Amount : {$XXXX} Comments : LAST REPORTED DELINQUENCIES : XXXX CONS DISPUTES - REINVESTIGATION IN PROCESS PAID CHARGE OFF

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I was credited only seven qualifying loan forgiveness payments for the period beginning XX/XX/XXXXand ending XX/XX/XXXX. However, I made twelve qualifying payments during this time. On XX/XX/XXXX, I sent a complaint to FedLoan Servicing with a detailed breakdown of the payments I had made. I requested a written response by XX/XX/XXXX. That should have been more than enough time to respond. But they have still not responded.

Company response to consumer: Closed with explanation