milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/31/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: For two months, Wells Fargo has been taking money from my account to cover the overdraft of someone else 's account. This last time they took all of my paycheck to the point of me losing my job because I could not fix my vehicle. Lost my vehicle because I could not work. Have no food due to no job and vehicle so no money. I am sick and tired of this. The account they used my money to cover has a guaranteed deposit the XXXX of every month which would make it positive again. Corporate office of Wells Fargo refuses to replace the money because it is their right of write-off policy. They say it is my consumer policy that I was given when I opened the account. I receive not such policy in the paperwork I was given. They refuse to contact me before taking money from me. They refuse to talk to the other account holder. This is Theft and they all need to be thrown in prison for life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: MY STUDENT LOAN IS BEING REPORTED AS 120 DAYS LATE IN 2014. I WAS IN SCHOOL DURING THAT TIME AND GRANTED AN INSCHOOL DEFERRMENT. NAVIENT HAS SENT THIS INFORMATION TO ME STATING THEY REMOVED THE NEGATIVE REPORTING. HOWEVER THIS NEGATIVE REPORTING IS STILL ON MY CREDIT REPORT WITH ALL XXXX BUREAS. I HAVE ASKED NAVIENT TO REMOVE THIS SEVERAL TIMES BUT MY REQUESTS ARE FALLING ON DEAF EARS.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Debt collection (Credit card) with Radius Global Solutions LLC (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Creditor masked -- misrepresented -- its phone number by using my home phone number and XXXX disconnected phone numbers formerly associated with me to dial my cell phone number. I would not have called my cell from my home phone and could not have done so since I was at the VA medical center when the call came in. There were no other people in my home who could have made the call, and my home phone 's " redial '' log does not show the call to my cell.

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 08/15/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have been attempting to get the promissory note for my consolidated loan ( done in 2005 ) since XX/XX/XXXX. For about a month, Nelnet claimed to have no information on my loan and no promissory note. I called almost daily. People would promise to look into the case and then not call back. I would ask to speak to a supervisor and instead get put to the main menu. When I would call back, there would be no documentation of my previous calls and I would have to start over. Finally, someone found my promissory note but the first XXXX pages were missing of the promissory note. Nelnet claims this is not their problem and blames Department of Education for not sending it to them. 

I need the promissory note as I have qualified for loan repayment from the XXXX XXXX XXXX XXXX ( XXXX ). The XXXX said that if the first XXXX pages of my promissory note can not be found, I can submit a letter from Nelnet stating what loans ( type, amount, date ) that were including in my consolidation. Nelnet refuses to write the letter since they did not consolidate the loan, even though the government branch that consolidated the loan no longer exists. Nelnet said they can see the information about what loans went into my consolidation but will not put it in a letter. On my insistence, they have sent it to their legal department to review but said that just the review would take weeks and that they will not send the letter anyways. 

I have been working with the Onbudsman Group and XXXX XXXX XXXX, who both state Nelnet should provide the letter and should have the full promissory note. Due to Nelnet 's poor customer service and negligence, I will lose my chance for loan repayment ( & gt ; {$200000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NJ).
Issue: Trouble during payment process

Complaint: I refinaced my home in 2016 with Ditech. I was promised a much lower payment. Which how I got that lower payment is an issue I found out at the end of this year. In 2016 I was paying {$640.00} a month in escrow. I even got an escrow refund of {$440.00} dollars because they made it seem like I overpaid. Did not really stop to think about it. The new mortgage they charged {$420.00} for escrow even though nothing changed in my taxes or homeowners that they were aware of. So come the end of this year I have a {$2400.00} escrow shortage. Which will bring my payment back up to where I was before the refinance. The only reason I can see for them charge so much less escrow when the bills were the same was to keep the promise of a lower payment for 1 year and now my payment goes up XXXX a month. XXXX for the escrow I should have been paying and XXXX more for the escrow that I am backed up. I feel that was a deceptive practice to try and convince me to go ahead with the refinance because my previous mortgage was discharged in bankruptcy.

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 11-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Bankruptcy

Complaint: To whom this may concern I have been applying for credit cards over the past years I have applied and filed for bankruptcy and now there are inquiries showing up on my credit report that is causing it to have a negative impact I do n't have credit cards with a lot of these companies but yes in the past I have applied to them understand how they 're able to keep calling me for my services and then when I applied they reject it and then they have a negative impact on my credit score I just want them to stop contacting me and take those things off of my credit report I need them to cease and desist I 'm doing all these things to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: incorrect information submitted on my personal credit report, supplied proof to credit bureau experian who continues to refuse to update or delete the incorrect information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with M&T BANK CORPORATION (NM).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, XXXX I cancelled this loan transaction under the Truth In Lending Act. M & T Bank and XXXX XXXX XXXX, XXXX ignored my written requests to close the account even though I sent them via certified mail signature receipt the written and signed " notice of right to cancel '' which they indeed signed for. They are continuing to harass me over this and report it on my credit report even though I have formally disputed it. The cancellation of this account was recorded in XXXX County,  New Mexico and I can provide supportive documents upon request.

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 10-06-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Trouble during payment process

Complaint: I have a mortgage with Chase with automated payment. 

Their online system does not work and their customer service to correct the issue was incompetent and burdensome. 

on XX/XX/XXXX i tried to edit my automated payment amount to remove the {$400.00} additional principal payment that brought my total payment to {$4100.00} and change the payment date to the XXXX day of the month from the XXXX of the month I checked on XX/XX/XXXX and when it did not update, I tried to edit online again. 

On XX/XX/XXXX I called Chase customer service who claimed they updated it so that it would be effective for current month payment and would update on XX/XX/XXXX I checked online on XX/XX/XXXX and it still had not updated. 

Chase deducted on XX/XX/XXXX the amount of {$4100.00} or {$400.00} more than I needed which caused me additional duress. 

The amount showing online still is {$4100.00} but they have changed it to the XXXX of the month for future payments.

Chase customer service is incompetent and their online system is ineffective.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Equifax will not remove the fraud alert from my credit report!!!! 
I DID NOT ASK TO HAVE A FRAUD ALERT PLACED ON MY CREDIT REPORT REMOVE THE FRAUD ALERT AND ALL ALERTS FROM MY REPORT XXXX Va XXXX SS # XXXX dob XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I have a direct debit scheduled for the XXXX of every month for 3 student loans. The debit is more than the minimum payment which I allocate the excess amount to each loan. On XX/XX/XXXX, I reallocated the excess payment to pay more towards the loan with the highest interest. I called the servicer on XX/XX/XXXX to ensure that my regularly scheduled direct debit would take place on XX/XX/XXXX. The representative assured me that the appropriate amount would be taken out. I informed him that when I logged online that it showed a lower amount than I normally pay and the direct debit amount did not necessarily look like it was scheduled. He assured me that there were two payment schedules and that it would total the full amount I typically pay. The following week, on XX/XX/XXXX, I noticed nothing took place and my account became delinquent. So I called on that day and was told that they would reschedule my payment and no action on my part was to be taken. On XX/XX/XXXX, I noticed nothing took place again. So I called and was told that it should be fixed within the next couple of business days and a note was made on my account. On XX/XX/XXXX, I noticed my account was still delinquent, no action or debit had taken place with my bank, and called again. Finally, I was told that the task scheduled would take an overpayment I made from XX/XX/XXXX and allocate it as my XX/XX/XXXX payment to remove the delinquent status. This task takes up to 10 business days. This representative communicated this information to me and was new information after speaking to XXXX other representatives over an almost 2 week period. While this does not affect my credit score, I do believe the servicer is responsible for having representatives who are capable of explaining to consumers the appropriate information to prevent situations where someone is delinquent on a loan. Had I known what the 4th representative told me on XX/XX/XXXX, I would have scheduled a payment to prevent a delinquent status on my loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2017 about Consumer Loan (Vehicle loan) with TOTAL FINANCE AC LLC (IL).
Issue: Managing the loan or lease

Complaint: To whom it may concern TOTAL FINANCE AC, LLC located at XXXX. XXXX IL XXXX ( XXXX ) XXXX. 
My purpose is so that everyone gets informed and know these people are frauds. 
My name is XXXX and I have a big issue with this financial group. The problems started when they could n't show me my payments and with the overall balance. For a little over 2 years now I 've been with them. I have also have asked to speak with a manager but they have denied me that privilege and only handed me to speak with someone on the phone but I needed someone in person so they can explain to me my issues. I have a feeling that they did fraud since beginning of my contract, They also do n't explain anything through the process of signing the contract. I 'm not the only one, I asked several of the costumers they also felt as XXXX as me. Please, I ask you to help me because I feel deceived by this financier since my contract. Thank you You can contact me at ( XXXX ) XXXX. Or Email : XXXX Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 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: Account status incorrect

Complaint: I 've called XXXX XXXX company to complain that the account has never been late past 30 days. They 've looked into their system and confirmed, yet the mark is showing 30 days late as of XXXX XXXX. Please investigate and have them update all there credit report agencies. the amount past due at the time was {$430.00}

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 12/20/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (OR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I moved out of XXXX XXXX apartments I XX/XX/XXXX because non English speaking personnel kept entering my unit without giving any notice at all times of the day and night and management would not do anything about it. I gave proper 30 written notice that I would be moving out. I paid the {$570.00} last month rent on time and in full with a money order. I did not damage the unit. They took my entire security deposit. I did not know I was sent to National Credit Systems for this fraudulent debt until I was denied housing for property debt from this company XX/XX/XXXX. I ca n't find a place to live because of this unfair and inhuman fraud! I have never received an explanation of charges even though I requested it. Instead I received a threatening letter XX/XX/XXXX stating they rereported the false debt to all three credit bureaus and will adversely affect my credit for as long as they please because I wo n't pay them {$1800.00}. How does {$570.00} become {$1800.00}? I presume one of the management cashed the money order for themselves. Again, I have never received an explanation of charges!

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX I have several inquiries on my credit reports some of which are duplicates of at least XXXX different dates that someone had tried to use my information to open an about. As well as a new collections account that i have absolutely no idea about nor did i ever authorize anyone to use my information for anything at all.

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 07/26/2016 about Consumer Loan (Vehicle loan) with DriveTime (FL).
Issue: Managing the loan or lease

Complaint: I purchased a vehicle from Drivetime, They gave me a high interest rate but I was ok with it considering my credit rating. After driving the car for 3 years and bettering my credit I traded it in. The dealer that I traded to took awhile to send the payoff so my account was marked with my first late payment. I contacted Drivetime and explained the situation to them, They agreed to remove the late payment as a courtesy and I thank them for that. Fast forward a couple months and Drivetime is now XXXX, now the late payment is again reflecting on my credit report. I have contacted Drivetime again and even filed a XXXX compalaint just to be told that there is nothing they can do, which is XXXX because it was done before. I worked so hard to get my credit back into shape without filing bankruptcy just to have this single late payment ruin my credit again.

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 05/13/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I am Looking to file a formal complaint against Ocwen bank. All documents requested by Ocwen were submitted several times with conformation of acceptance. They have been using several stalling tactics with both payments ( Public Adjuster Fees / Rebuild monies ). 
They continue to give different answers and lie with every phone call made. The final inspection has been preformed and completed successfully at this date. Now again, they are asking for further documents that had been sent several times in order to issue payment for both the Public Adjuster / Contractor and homeowner. We are now left with no where else to go besides making a formal complaint against Ocwen. The repairs have been completed for XXXX month without any disbursement. As a consumer I would stay far away from this company, considering my current situation and stories I have heard about how they treat their customers.

Company response to consumer: Closed
Consumer complaint received 08/22/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (WA).
Issue: Account opening, closing, or management

Complaint: Hi, In XXXX XXXX, I opened Wells Fargo Bank Account along with Wells Fargo SEP-IRA Account. They offered XXXX free trades per year if we maintained a balance of XXXX or more each year. They called it PMA Package. Not all accounts get this benefit, only PMA linked accounts get this benefit. Everything was going well until 2 months ago. Around XXXX XXXX, I received a letter saying my brokerage was not linked to the PMA Package anymore and if I do not take action in the next 30 days, I will be losing the privileges associated to PMA Package. I called the Wells Fargo Customer Service. I was transferred to XXXX different teams, from customer service to premier banking team to Online banking team to PMA team. All XXXX teams told that everything looked good and they were not sure why I received that letter. One person said my account was dormant and that could be the reason why I received this letter. She re-activated my account and said, I am good for now. On XXXX XXXX, I received another letter saying I lost my PMA privilege and my account was converted to an Everyday Account. 
I called Wells Fargo again and they said there is nothing they could do. PMA Privilege is a grand-fathered account and they can not assign us to that account anymore. I asked them, that I called a month ago and talked to XXXX different people. He also admitted that they had notes that I called in XXXX XXXX but he says, he wasnt sure why the issue was not addressed and there is nothing he could do now. 
He said my account was delinked to PMA Package. I asked him, what went different, why did it work for the last 6 years and what happened suddenly and he says, he does not have visibility into that. 
I usually use the XXXX free trades, which translates to about {$900.00} worth of benefit me every year. I hold high IRA balances with them I feel that they are conducting a fraudulent practice. They send a letter that they are deactivating our PMA package if no action is taken, we call them duly on time and they say everything is looking good and we received the letter by accident and a month later, they really take away our privileges

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 04-11-2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Finally received my annual credit report from Equifax on XXXX XXXX. 
First request for my Equiifax credit report was made on XXXX XXXX. 
Equifax took over 5 months to respond to my request. 
This delay by Equifax is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Student loan (Non-federal student loan) with Gurstel Law Firm, P.C. (MN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I filed Chapter XXXX bankruptcy and it was discharged this year. I alternative student loans what were initially with XXXX and then sold to XXXX XXXX XXXX were current prior to my bankruptcy. They did take payments through my bankruptcy. Now that my bankruptcy has been discharged I received a notice through Gurstel Chargo PA, XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I sought my lawyer on this. I told the collection agency/attorney, that they need to provide documentation of the loans. They called me and stated that I these loans are nondischargeble due to they are student loans. I stated I know they are student loans but not Federal Direct loans. I told them they needed to communicate with my attorney. Now, They want me to pay upfront {$8000.00} to settle the account. I have an attorney XXXX MN. I have been working with him to try to work out something. However the collection agency will not seem to budge. 

I just got out of bankruptcy, There is n't bank out there that would loan me {$8000.00} to pay this off. Not to mention, these loans were bad from the start. You could barely track where they came from etc. They have been harassing my family prior to my attorney stepping in. I have done some research on these loans and they are so impossible to figure out. I dont even know if they have the correct information. The only thing they were able to located were the loan documents and some payment history. Now I dont mind paying on something, but why should I have to pay everything in a huge lumps sum? I cant afford that! That why I went into bankruptcy in the first place, to get myself out of debt, not back into it. Why should these loans even be in a default status?? They should be able to pay from where I left off. Im so frustrated with this. Im sure Im speaking all over the place. Please let me know what I can do or if you can help me with this situation. 
My name is XXXX XXXX, ( maiden name XXXX ). address is XXXX XXXX XXXX XXXX, XXXX, MN XXXX. My phone is XXXX and my email is XXXXXXXXXXXX Please help!! 

Sincerely, XXXX XXXX ( XXXX )

Company response to consumer: Closed