milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-12-2015 about Mortgage (Home equity loan or line of credit) with KEYCORP (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I WAS ASSESSED ATTORNEY FEES ON XXXX/XXXX/15 {$11.00} & {$150.00} ON XXXX/XXXX/15. 
WHEN I CALLED THE BANK ON XXXX/XXXX/15 I SPOKE WITH AN XXXX XXXX FOR AN HOUR, WHICH TIME HE TRIED TO TELL ME THE BANK HAD MADE A R.E. TAX PAYMENT ON MY BEHALF, WHICH IS TOTALLY FALSE AND EVERYTIME I TOLD HIM THIS HE GOT MORE BILIGERENT WITH ME TELL ME THEY DID. I EXPLAINED TO HIM THE CITY OF XXXX, ME. WOULD HAVE TOLD ME THEY RECEIVED A PAYMENT AND THE BANK WOULD HAVE ADDED IT TO MY BALANCE. FINALLY AN HOUR INTO THE CONVERSATION HE ADMITTED THE BANK DID NOT MAKE ANY PAYMENT ON MY BEHALF. WHEN I ASKED THAT HE CREDIT THE FRAUDULENT ATTORNEY FEES HE JUST SAID NO AND THATS THAT. I ASKED FOR ANOTHER NUMBER TO CALL AND HE REFUSED TO GIVE ME ONE UNTIL I THEN SAID I WOULD CONTACT XXXX & XXXX ATTY GENERALS OFFICE. I NOW CONTACTED XXXX XXXX AT THE XXXX RESOLUTIONS OFFICE, WHO TOOK A BRIEF STATEMENT FROM ME AND SAID SHE WOULD NEED ABOUT A WEEK, AT WHICH TIME SHE CALLED WANTING COPIES OF MY CANCELLED CHECKS FOR MY TAXES, WHICH I PROVIDED. SHE THEN CALLED BACK AGAIN SAYING I PAID ON XXXX/XXXX/15 BUT THE TAXES WERE DUE XXXX/XXXX/15, FOR WHICH I EXPLAINED THE CITY OF XXXX, ME HAS A GRACE PERIOD, I ASKED IF THEY HAD RECEIVED ANY NOTICE FROM THE CITY OF XXXX SAYING I WAS LATE AND SHE SAID NO. ANOTHER WEEK PASSES AND XXXX CALLS TO TELL ME THE BANK ORDERED AN EQUITY REPORT ON ME, THEREFORE THERE WILL BE NO CREDIT. MY TAXES ARE PAID IN FULL AND I HAVE NEVER ONCE BEEN LATE ON A PAYMENT TO KEYBANK IN XXXX YEARS, THEREFORE I BELIEVE THESE " ATTORNEY FEES '' ARE FRAUDULENT AND UNWARRANTED. I HAVE SPENT OVER XXXX HOURS ON THIS MATTER AND I CANT BELIEVE A GOOD STANDING CUSTOMER OF A BANK GETS THIS KIND OF CUSTOMER SERVICE AND IS LEFT WITH NO RECOURSE WHEN THE BANNK ASSESSES UNWARRANTED ATTORNEY FEES ... ... ... ..IF THESES EQUITY REPORTS WERE A NORMAL PROTOCOL OF THE BANK WHY DID IT TAKE XXXX WEEKS TO COME UP WITH THIS LAME EXCUSE AND WHY WOULD THEY NEED TO ORDER IT ON SOMEONE WITH SUCH A PRISTINE CREDIT RECORD ... ... ... .I DID NOT ASK FOR REPORT TO BE ORDERD NOR DO I BELIEVE ITS WARRANTED, THE HOUSE IS WORTH ABOUT XXXX AND THIS HELC OF XXXX IS THE ONLY DEBT ON THE HOUSE

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: FULL VALIDATION

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: RE ; WELLS FARGO - LOAN # XXXXPlease help me avoid foreclosure, it is now over XXXX months since i requested help from my mortgage company regarding a HAMP loan modification. for the past XXXX months Wells Fargo has assigned XXXX different negoatitors to review my application and every time i get assinged they request for the same documents over and over again. 

Please help me since i have provided every single document to qualify for a loan modification and now as of XXXX/XXXX/2015 Wells Fargo told me that i was denied because it is not on the best interest of the investor to help me keep my home. 

Now i am frustrated and upset since it is now almost XXXX months going back and forward with Wells Fargo playing games. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I noticed my paycheck was n't the normal amount. I reviewed my paycheck statement and noticed {$490.00} taken out listed as garnishment. 
I contacted our payroll representative as I thought they had mistakenly started taking out spousal support to early. My divorce just completed and it 's due to start coming out of my pay next month. 
Payroll informed me that this was from a collection agency, not spousal support. The collection agency is listed as Portfolio Recovery. 
I was not notified in anyway that this process was going to happen. I was n't aware of anything until I noticed this yesterday XXXX/XXXX/XXXX. I searched online and it appears I should of been served papers, or at least received something regarding this action.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
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: I have disputed 2 XXXX XXXX XXXX accounts with the credit bureau however they are not actually disputing fairly in accordance with the FCRA. I 've asked for the method of verification and they admitted to not actually verifying and if these laws are in place how are they allowed to continue to not follow them? I recorded a conversation with XXXX XXXX XXXX with there knowledge and XXXX admits to not being able to verify 2 XXXX XXXX XXXX accounts that they are reporting on my credit report which is harmful to my credit. They are n't verifying the accuracy of these accounts. I do n't have any accounts with XXXX XXXX XXXX as I have never done business with them. If they are still sending electronic codes that does nothing because there is no proof of this in which I 've asked for many times.

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 02/14/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: We reached out to the bank as the over draft fees were killing us. Eating up all of our money as they charge you when your check is over drafted then charge you when they return the checks resulting in double fees. We talked to XXXX where checks were written and was told that they not send anymore in. Well they continued sending them in resulting in double overdraft charges by the bank. we talked to bank manager on XXXX XXXX XXXX XXXX Florida today to get no place. The lady who also worked with me was very rude saying not our problem you wrote the checks why are you again at the bank. Because was told by the bank customer service all the XXXX checks would be stopped and no more fees to be lied to. And then jerked around at the bank today. Then called customer service again tonight XX/XX/XXXX to be told not my problem. Well reason why we did this is my son was abused at the school district and have a bunch of expenses there fighting the school system. this is robbing without a gun and so very wrong. Have tried to reach out to both to get jerked around. I have been a customer since XXXX and to be treated this way is very unacceptable. Very upset As on XX/XX/XXXX we put a stop payment of them. I hadwrote a letter and talked to XXXX on the first part of the month to tell them to stopsending in checks we take care of themon the XXXX of the month. but yet on the XXXX XXXX deposited a check of XXXX {$35.00} fee on the XXXX insuffient funds {$35.00} return item so see the problem here and was told not to have any more go through by both agencies.

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 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This is a complaint against XXXX, inquiry date : XXXX XXXX/2017. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient student loan pushed me into forbearance years ago, which lets me take a short break from making payments. Interest payments on the loans continued to grow during this time which is illegal. I started with a {$17000.00} loan back in XXXX and now the balance is well over {$23000.00} in XXXX! I feel I have been deceived and taken advantaged of and looking for COMPLETE financial relief along with the other XXXX XXXX people that they have scammed for making my life a living XXXX. This has put such a burden on not only me but my family who is trying to purchase our home to raise a family but these CROOKS seem like they " Stealing '' the American Dream, no pun intended.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A business I had which closed back in 2007 had some debt to it, there is an account listed on my personal credit file which I disputed with no validation provided and the item is still there. I am asking your agency for help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech has been sending past due notices for almost 2 years, I have provided them with nearly 3 years worth of cancelled checks that prove ALL mortgage payments have been made in full every month. When I call, the representative tells me that yes, they have copies of all the checks and they can see that all payments have been made, and then they forward everything to the accounting department and tell me it will get straightened out and I will receive a letter. Then I receive another notice stating I owe 2 months! This has happened at least 4 times, and I have been dealing with this for almost 2 years. On XXXX/XXXX/16 I spoke with XXXX representatives ( XXXX in XXXX XXXX, we were disconnected during the call ) and XXXX in Missouri when I called back. I told her that I no longer believe anything different will happen when she told me " Yes, I see all the cancelled checks and I will forward this with an email to accounting to get it fixed '' and asked how I can get a face to face meeting with someone who can actually resolve the issue - all she could do was say she is sorry and can forward everything to accounting. I have XXXX loans with the exact same scenario, so I will submit this exact issue under each account number. I would like to note with this loan that on XXXX/XXXX/16 " XXXX '' stated the balance due for XXXX was {$140.00} because the loan payment went up in XXXX 2016. I was so elated that I paid the {$140.00} ( confirmation # XXXX ) and believed my struggle was finally over with this loan. But then on XXXX/XXXX/16 XXXX called and said that I still owed {$15.00} and then the monthly loan payment would be paid in full though XXXX/XXXX/16 with {$900.00} due on XXXX/XXXX/16 - so I sent a check for {$15.00} ( which cleared on XXXX/XXXX/16 ) and I paid {$900.00} for XX/XX/XXXX ( cleared XXXX/XXXX/16 ). Then on XXXX/XXXX/16 I received a statement that said {$1700.00} was due as of XXXX/XXXX/2016!!!!! And then I realized that the Escrow analysis dated XXXX/XXXX/16 ( received AFTER XXXX 's phone call ) states the loan payment is to rise from {$880.00} to {$880.00} as of XXXX/XXXX/16 so where did the {$15.00} increase XXXX quoted on XXXX/XXXX/16 come from?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Consumer Loan (Installment loan) with First National Collection Bureau, Inc. (TX).
Issue: Managing the loan or lease

Complaint: An old debt from XXXX ( now XXXX ) was settled with XXXX XXXX XXXX ( XXXX ) for {$880.00}. First National Collection Bureau resurrected the claim using different account numbers. I paid First National {$730.00}, until I realized it was the same old claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax did not take proper steps to protect consumer information and now not only has my social security # been compromised, so has all my other personal information. Which I never gave to this company! We 're told we have to use these 3 companies and they 're taking advantage of all of us.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FC HoldCo LLC (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This Company accessed my credit files with XXXX and XXXX on XXXX XXXX, 2016. I have written to the company requesting documentation supporting permissible purpose for these inquiries, as well as the Credit Reporting Agencies involved. Neither have produced any documentation to support permissible purpose. Accordingly, these inquiries should be removed from my credit files.

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 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Back in XXXX XXXX I submitted complaint XXXX against Wells Fargo Dealer Services for inaccuracies on our account. On XXXX XXXX they clearly printed there response to our case and due to the outcome of our evidence. They decided to no longer pursue this debt. And said it would be wiped clean and reported to all 3 credit agencies and off of our credit report within 30 days. Today is XXXX XXXX, And today we received a notice from XXXX stating they were n't removing the debt off of there and it would stay on until XXXX. We are having the same problem with XXXX regarding this account. They refuse to remove it. I have submitted the paperwork showing that indeed this debt is not valid anymore. And it clearly states in the letter that it will be removed off of all 3 agencies. We have already tried our part with the agencies by faxing over that letter. And they still wo n't respond or just give a general vague response. XXXX removed it very quickly. And we are n't going to keep going back to the other agencies. Overtime we do that they start a new case and use that crutch for another 30 days to resolve. Right now there are 3 separate cases with transition and they are all regarding the same debt and issue. Same with XXXX. They say upload the proof to them on there site. But the site will not let you upload the docs. Both companies have verified on a recorded line that I have in my possession that they indeed receive all of the info But again keep using there 30 day cushion window to keep messing with our credit. Its been beyond the 30 days from the time this letter was typed up. We were told end of XXXX is the allotted time period. We are almost in XXXX. It is not our job as the consumer to chase down and talk to the 3 agencies and spend hours on hold. To get a debt removed that the company has clearly said is not a valid debt and they have also said that all 3 agencies were already notified and should be done by XXXX XXXX. Our job was to jump through the hoops and get ourselves our debts paid and removed. They are in direct violation of FDCPA laws. And at this point we can start seeking damages that are related to this matter.And any other violations that fall under the FDCPA laws that pertain to this matter.

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 04-11-2015 about Mortgage (Conventional fixed mortgage) with NETWORK CAPITAL FUNDING CORP (CO).
Issue: Application, originator, mortgage broker

Complaint: After many calls from the company who stated that they could assist us with getting a better rate on our home mortgage, we promptly sent all our personal informationand signed e-documents to XXXX XXXX of Network Captial Funding. He initiallyappeared to be very upfront, honest and knowledgeable. But was pushing us toget all the stuff to him so we could close by end of month. We asked him straight upif they could do honestly do the loan before we gave our CC number for the appraisal. XXXX was very confident that they would successfully be able to completethe process quickly. But after the appraisal we heard nothing from XXXX. Whenwe by chance got him, his response was brief " It is out of my hands, I only assist with the initial part. '' Four weeks have gone by and no copy of our appraisal wassent to us and no calls or updates provided. We have emailed XXXX and the companyand nothing. We have called numerous times and now we get only voice messageseven from the companies main number. Its like they have dropped off the face of the earth with our personal information, and money for the appraisal. We feel totally taken advantage of and feel like this company should reimburse our money. We didnot call them initially they hounded us. If they could not have done the loan whynot just be forcoming and honest. I think there should be a fine for companies thattake advantage of the consumers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Back in XXXX XXXX I paid off my truck lean early with Santander. They released the lean and send me my original title to my truck. 6-8 months later I received a letter telling me that I owed them over $ XXXX+. I sent all my documentation of payments, account balance showing {$00.00} balance. I certified this to Santander & to the president of the company. I never heard back from them. Last year somewhere around XXXX XXXX I received another letter from Santander stating I owe them $ XXXX+. I called them and again explained that the lean had been paid off, that I sent certified letters with all documentation to Santander and a copy to the president of Santander. The gentlemen told me I needed to send them over {$2100.00}. I then told the gentlemen that the title was released to me, along with notarized letter saying my debt had been paid. I never heard from them again. Now on the XXXX XXXX XXXX I received another letter from Santander that I need to pay them {$2200.00} by XXXX XXXX XXXX or they will repo my truck. 
My husband is in the XXXX and we went to XXXX, the civilian attorney called Santander. She told them that the lean was released paid in full along with the title and sent to me. My attorney was told that she would have to talk to the legal department because they could not locate my account with Santander. The person for Santander came back on the line and told my attorney that the legal department was not answering the phone and that the legal department would call my attorney back within 24 hours. She asked for the repo to be pushed off until this matter is resolved. The representative told the attorney they will not push off because I am supposedly something like 1,825 day past due on my payment. They changed their story to the attorney a few times. They told my attorney that they could not find me. This is false because not only did they send my lean release and title to my address in XXXX XXXX, Texas, they even sent the letter last year and now this letter to my current address here in XXXX, Texas. She also asked for a phone number for the legal department so she could call the Santander legal department directly and was told that there is not a number to call and again the Santander legal department will be returning the phone call within a 24 hour time frame. 
Santander legal failed to return the call to my attorney within the 24 hour time frame. My attorney has drafter and is sending out a letter of dispute to Santander. 
My attorney completed some research on Santander and found that this is something that has been happening to several people. She found y'all are having a suit against Santander and forwarded this to me and hopes that I XXXX have enough against Santander XXXX become part of the case. 

Hope ya have a wonderful day ;

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: My account was closed for cause. I deposited two third party checks and the next day my account was frozen and closed for cause. I ended up having to call the check issuer a and have both checks re-issued. Wells Fargo has reported to XXXX that both my savings account and checking account were closed for cause which has caused me to be unable to open a bank account. The banks are too quick to close for suspected fraud which is causing many consumers unnecessary inability to open a bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have federal student loans with FedLoan Servicing, and I am participating in PSLF. 

In XXXX XXXX I logged on to XXXX and saw I had 11 qualifying payments for two of my loans, and 7 qualifying payments for six of my loans. 

In XXXX XXXX I filed another XXXX. It took them six weeks to process the XXXX. 

In XXXX XXXX I logged onto XXXX and saw the XXXX had been applied to two of my loans ; but now I had LESS qualifying payments for six of my loans - I only had 6 qualifying payments for six of my loans instead of seven ( please see attached two documents ). I spoke with a manager at XXXX who would not give me any reason for the deduction in qualifying payments ; even though I have continued to work full time for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, continued to make my payments, and filed a new XXXX.

Company response to consumer: Closed with explanation