milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/14/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, 2017 and in receipt of a telephone call from XXXX XXXX XXXX at XXXX from WFHM . The call was a response from the previous documentation sent to the CFPB, which detailed the correct payment history, which WFHM omitted and left blank, knowing it existed. The information requested from WFHM, is as follows. 1 ) Proof of ALL payments made to the WFHM and not excluded ones. 2 ) Report my mortgage to the credit bureaus. 3 ) An apology letter of the excluded payments and why the chose to exclude payments that were clearly made. 4 ) ALL correspondence in letter form and not on a recorded line, or I have the right to record as well. 5 ) Compensation for the failure to disclose the correct payment history, costing me an opportunity to refinance. Additionally I 've just received notice today ( XXXX/XXXX/2017 ), that my savings account was depleted of funds and closed, by Wells Fargo Bank , NA. The representatives I spoke with today were, XXXX # XXXX and her superior on duty, XXXX ( Mediation Supervisor ). After stating the opening of fake accounts and unapplied funds to garner interest. The call was then escalated to XXXX, whom then took the information from me and forwarded said information to the appropriate departments.

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 07/15/2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I applied for a loan of {$1000.00} with Big Picture Loans on   XXXX   XXXX  , 2017. I could not access my online account so I called one of their representatives to obtain my login information. She instructed me to use my email address and social security number as my login information which I did while on the phone with her. Once I logged in, I was able to see the payment terms and schedule ( which was extremely high and usury ) and told her I did not want the loan. She said that it was fine and to call them if I changed my mind. On   XXXX   XXXX  , 2017 Big Picture Loans deposited {$1000.00} into my account. I immediately contacted them using their support email address and informed them that i did not approve the loan and to reverse it and take the money out of my account. After not seeing the money removed, or obtaining a reponse, I contacted them by phone and went through an arduous process of verfication, two calls to my bank, before they agreed to remove the money. They informed me that the money would not be removed until   XXXX   XXXX  , three days later. I told them that was unacceptable and said that I wanted to pay it back to them at that moment, using a card that was attached to the same account where they deposited the funds. They refused to accept the payment and told me that if the funds were not available on the  XXXX , then I would be bound by the contract. i again offered to pay the money back while on the phone and told them that I could not assure them that the money would be there on thr   XXXX    because of transactions going through my account. They once again reiterated that if it was n't I would be bound to the contract.
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I believe this is an infair business practice in so man y ways but the main issue that i have is that they gave me money that i did not request, and have now threatend to bind me to a contract that i did not want, sign, or approve simply because I may not be able to return the money they put in my account without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Student loan (Federal student loan servicing) with NELNET, INC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: In XX/XX/XXXX I received notification from XXXX that my Income-Based Reduction payment plan was expiring. When I attempted in XX/XX/XXXX to re-apply I was denied an IBR plan and the reason stated was that I no longer qualified because the loan had to be paid off. I was told that I had 10 years to pay off the loan and that I'd actually been given 17 years - thus, I'd been " paying on the loan too long. '' The new monthly payment amount was set at over {$70.00} a month, which is on top of the {$250.00} a month payment that I make to XXXX for the bulk of my remaining student loan debt. On XX/XX/XXXX I again requested some repayment option that would reduce my monthly payment. I informed XXXX at that time that my spouse had become unemployed and I was unable to make the monthly payment of $ 70+ a month. Again I was told I had " no other options '' but to make that payment and pay off the loan in full. In the process of that call, I requested to be placed on a forebearance until my husband could reestablish employment. XXXX says ( on XX/XX/XXXX ) that the call was disconnected in the process ( I was told the forebearance was in place during that call before it became disconnected ). I received another letter the following month saying my loan was past due, so I called Nelnet again on XX/XX/XXXX to request a forebearance until my husband could reestablish employment and was granted two months - I was told my next payment due would be XX/XX/XXXX. I received a letter this week, dated XX/XX/XXXX, that stated that my loan was past due. Upon calling Nelnet today ( XX/XX/XXXX ), I learned that a wrong forebearance code had been placed on my account which allowed for a " reduced forebearance payment '' of {$71.00}. I called to dispute the fact that I had a forebearance, and also stated that I was told in XXXX that my forebearance could be retroactive to when I had initially requested it in XX/XX/XXXX. Today, I was told that no retroactive process could be put in place for the XXXX payment but could be applied to the XXXX payment. When trying to dispute reporting of late/past due payments the customer service representative informed me that they were unable to dispute EITHER month 's negative reporting to the credit bureaus. No reason was given. To date, Nelnet has refused to offer me reasonable repayment options for the loan, which they bought from another servicer XXXX years ago, and have now demanded payment must be completed on. My husband and I are unable to make that monthly loan payment in addition to the monthly loan payment that we make the other servicer of my student loans and the monthly payment we make for his student loans as well. Nelnet has given me no opportunities to rectify my account, and in the process, is responsible for damaging my credit due to their errors, which they will not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of XXXX, I purchased a foreclosed home from Green Tree Services in the amount of {$47000.00}. My mortgage started from {$420.00} in XXXX and is now {$1100.00} effective XXXX. The home was built in XXXX and is deteriorating. I 've been trying to refinance and obtain some of equity ( approx. XXXX ) to make repairs. Green Tree continuously expressed to me that I did n't qualify for a refinance and they do n't do them based on the type of " Loan '' not " Mortgage ''. They said the type of mortgage I have is a " Credit Sales Account '' at 10 % interest. I have been making out of pocket repairs and now the home requires, a roof, painting, heating/cooling etc. in which I have mentioned to Green Tree Servicing over the years. They just kept telling me I did n't qualify for a refinance to take money out for repair. Finally, I was contacted by XXXX XXXX and they which went through the full process of qualifying me for a refinance, processed all document ( title, taxes, etc ). The final approval was based on the home appraisal that failed due to the required repairs. Green Tree provided false information about me qualifying for a refinance. Now I am stuck with this home, stuck in this loan, being denied modifications, deed in lieu of foreclosure option, etc. Green Tree deferred a few payments and then added approximately {$10000.00} onto the loan. My Green Tree Loan initiated in XXXX XXXX for {$47000.00} and the payoff balance is approximately {$45000.00} in XXXX. Can someone explain this? Where did all of my money go to? I received a notice from Green Tree Servicing, now know as Ditech Morgage that my home has been submitted for " Foreclosure '' They are awaiting a date. I feel like a predator. I paid money into this home almost ten years with the balance increasing every year. Now they want to take my home, sell to someone, possibly a member of their company to pull out the equity, make repair and sell it again. Please assist. I 'm a victim her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: The specific problem is that via Trans Union &   XXXX   XXXX   XXXX    3.0 scoring methodology, I saw my credit score drop from  XXXX  to   XXXX    in a very short period of 2 weeks, and when I called and spoke to a Trans Union rep, she explained the scores are tabulated via a computer program & nothing else could be done to address this. The problem I have is that this score drop (   XXXX   XXXX   XXXX   score  XXXX  ;   XXXX   XXXX   XXXX    XXXX  ;   XXXX   XXXX   XXXX   score  XXXX  ) is enormous and impacts my score dramatically because I do 'not ' have enough credit usage, but I am a very responsible individual and consumer and do n't need additional credit, yet my credit gets crushed so fast and very much to the downside because I do n't have enough credit cards? This type of new score for me not potentially ruins my ability to get a good home loan if I look into purchasing and financing a home, which is a big concern for me. Please either explain why the reporting agencies can drop the score of an excellent credit & paying consumer 'only ' because they did not have enough credit usage or help me ( and others like myself ) address this problem of scoring/reporting the credit agencies currently have so we are not so severely punished for having too little credit. This is truly disappointing for me. Sincerely,   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (I do not know) with Ophrys, L.L.C. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: A writ of garnishment on my bank account was issued by XXXX XXXX, Place XXXX on behalf of Cerastes, L.L.C. and XXXX & XXXX. I have filed a motion to vacate on grounds Plaintiff has no standing. 

Need constructive assistance with this case. I do not believe I will receive substantive justice. Justice of the Peace seems to be serving as a debt collector XXXX out writs for the Plaintiff.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Latest phone call received from Portfolio Recovery ( Tel # XXXX ), the evening of Tuesday X/XX/2018 citing a debt in the amount of {$1100.00} for a XXXX XXXX XXXX XXXX # XXXX dating back to XXXX. Advised the young lady on the line that this was discharged via Bankruptcy. She replied, that was noted the case and how would I like to pay off this debt.At that point advised her that this conversation was over and will contact the FTC and file complaint. 

My Case # XXXX US Bankruptcy Court XXXX XXXX of Pennsylvania cites the discharge of debts of which the above noted XXXX XXXX ( XXXX XXXX ) was first on the list. Having repaired my credit moving forward, XXXX XXXX has issued 2 Credit Cards to me ( all which are in great standing - never missed a payment ) as well as IRA and Personal Checking with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-02-2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (KY).
Issue: Account opening, closing, or management

Complaint: I filed a complaint with the XXXX in regards to the poor service that I received from Huntington National Bank and their refusal to refund full fees for a simple mistake. There was a {$10.00} difference. The staff was rude, very condescending, and antagonized me. After the complaint w/ the XXXX was filed, Huntington decided they were going to close my account and provided NO reason as to why the account was being closed. This was after I decided to let the matter go and did n't even respond to rebuttal their XXXX response. Instead, they waited until the day after XXXX closed my complaint and mailed a letter stating they were closing my account. So I complained about their service and they close my account? I, as a consumer, reserve the right to file complaints and seek assistance in resolving my matters. I have only contacted Huntington on XXXX occasions and this was my XXXX complaint with them.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (Mortgage debt) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: To SELECT PORTFOLIO SERVICING INC Attn : LEGAL DEPARTMENT   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  , UT  XXXX  cc : Federal Trade Commission Office of Inspector General " Room  XXXX    XXXX   XXXX   XXXX  .,   XXXX   XXXX  , DC   XXXX    Ref. : Select Portfolio Servicing Acc #  XXXX  NOTICE TO DISCLOSED DEFAULD DATE AND PROOF THAT STATUS OF LIMITATION HAS NOT EXPIRED This letter is a formal request under Fair Debt Collection Practices Act ( FDCPA ) to SELECT PORTFOLIO SERVICING ( SPS ) to disclose the following information regarding the loan account #  XXXX  : 1.- Default date of Loan 2.- Proof that status of Limitation has not expire 3.-   XXXX   XXXX   XXXX   as Trustee 's Headquarter address and agents, all information, but no limited.
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On XX/XX/XXXX  in response to Violation of Statute of Limitation,   XXXX    said Consumer Financial Protection Bureau that it has conferred with SPS and SPS does not agree that the Statute of Limitations for this debt ( account ) has expired, but failed to state the Default Date. Select Portfolio Service Inc. has failed and refused to provide the above information since  XXXX .
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Sincerely,   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    XXXX , Fl  XXXX  (  XXXX  )  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 03/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (AR).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I do n't know how they got my cell number. I told them would deal onlybwith the original company and to stop harassing me. They called again after sending the do not contact messsage and told them I would report them. They have contacted people whose is of no concern my business.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I believe someone is using my identity. Stolen my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Bank account or service (Checking account) with BB&T CORPORATION (WV).
Issue: Problems caused by my funds being low

Complaint: XXXX/XXXX/2015 Debit ***OVERDRAFT FEE $ XXXX $ XXXX Debit TRANSFER XXXX SAV-INTRNT XXXX INTERNET PAYMENT $ XXXX Debit TRANSFER XXXX CHK-INTRNT XXXX INTERNET PAYMENT $ XXXX POS XXXX # XXXX XXXX XXXX XXXX WV XXXX BB & T CHECK CARD PURCHASE-PIN XXXX XXXX Credit COUNTER DEPOSIT View $ XXXX Debit ONLINE XXXX XXXX XXXX XXXX BB & T ONLINE BILL PAYMENT {$50.00} $ XXXX XXXX , ''BB & T '' charged me OVERDRAFT FEE OF $ XXXX XXXX ... ... ... ( FOR {$72.00} ), WHEN I DEPOSITED A ''GOVERNMENT CHECK '' ... ... ( JUST LIKE A GET FROM THE US GOVERNMENT, EACH XXXX & XXXX, OF EACH MONTH ) ... ..THEY KNOW IT IS GOOD XXXX!! 
SO WHY DID THEY ONCE AGAIN CHARGE ME ''OVERDRAFT FEE ''? I JUST GOT THRU WINNING THE LAST ''OVERDRAFT FEE COMPLAINT '' ... ... ( BB & T..CASE # : XXXX ) ... .ON XXXX XXXX, 2015, ***FOR THE VERY SAME THING***PLEASE HAVE ''BB & T BANK '' ... ... .RETURN MY XXXX-DOLLARS FOR ''OVERDRAFTFEE '', THAT HAPPENED ON XXXX XXXX, 2015 ... XXXX ( ABOVE ). 

THANKS, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (NE).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: The debt collection agency, Central Financial Control is attempting to collect on a medical debt in the amount of {$560.00}. This agency is not Licensed to collect in the state of Nebraska per the Secretary of State. This company is also in violation of my HIPPA rights ; as I did not authorize them to obtain any of my medical records. I have tried to rectify this with the company directly, but have been unsuccessful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On today. XX/XX/2018 I ordered copies of my credit reports and found horrific information incorrect phone number and fraudulent accounts I attached document to show the fraudulent accounts

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 04-07-2017 about Consumer Loan (Vehicle loan) with URS Holding, LLC (OH).
Issue: Problems when you are unable to pay

Complaint: I was called put a place that is trying to collect on a auto loan when I answer my the collector did n't verified any info on me and just disclose everything about the passed due loan. I know this he was not aloud to do that. The number that keeps calling me is XXXX. He told me how much I owned and who I owned and how much a XXXX would be, but did n't know if he was talking to the right person or not because he never verified me at all

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 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: Personal information incorrect

Complaint: We have previously contacted Experian concerning inaccurate information that we see is still on my report, I have requested several times that all inaccurate information be removed, XXXX seems to think that they are above the law and can continue in their false reporting activities. 
I have noticed that they are reporting false addresses that are not correct and need to be removed, my REAL address which is XXXX XXXX XXXX XXXX XXXX, TX XXXX everything else along these lines needs to be removed because they are not accurate. 
CFPB please fine XXXX for non compliance should they continue in their non sense reporting.

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 12/23/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Deposits and withdrawals

Complaint: I am a long standing Wells Fargo banking customer using checking, credit card, mobile and online sevices. Today I attempted to transfer funds from one checking account to another checking account. Instead of a checking to checking transfer, a checking to credit card payment occurred. After calling customer service I was informed this transaction could not be reversed/cancelled even though it was still in a pending status at the time. I was informed it would take 1 to 5 days repeatedly to reverse transfer which further ascerbated the conversation and my frustration level. Every explanation from me indicating that the credit card had a XXXX balance for 9 months and it was a Wells Fargo credit card brought the same response 1 to 5 days, I thought I was talking to a robot with an automated response.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX -- ( XXXX ) XXXX AND XXXX XXXX I, AS ASSIGNEE OF XXXX XXXX XXXX XXXX XXXX 
BALANCE : {$2000.00} IN XX/XX/XXXX XXXX XXXX XXXX NOW KNOWN AS XXXX  SOLD THIS ACCOUNT TO XXXX XXXX I, XXXX. IN XX/XX/XXXXXXXX XXXX SUE ME IN COURT TO COLLECT THE DEBT. DURING THE COURT PROCESS XXXX XXXX COULD NOT PROVE THE DEBT AND FILE A VOLUNTARY DISMISSAL OF THE CASE. SEE EXHIBITS.

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