milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have loans serviced by Navient and have had repeated issues with repayment processing and unjust penalties being assesssd because of such. I was offered a repayment plan to schedule payments out for 15 consecutive months to bring my account current after a financial hardship. I scheduled 15 payments based off of my expected pay schedule. These payments were scheduled later in the month but my expected payments were due at the beginning of the month. My account was constantly considered past due and was repeatedly assessed a late charge because of that. Aside from the late charges, after 11 payments, my payments ceased to be debited from my account. This caused my account to be past due. When I called to discuss this j was told that my payment schedule had expired even though I had the confirmation numbers to confirm it should have been processed for several more months. I was forced to sign up for 15 more consecutive payments with an " administrative forbearance '' being granted to process the past due amounts and the principal and interest were therefore capitalized and increased my payments by nearly 15 %. After 12 months of the next repayment schedule the payments ceased being debited again and I am now dealing with the repetitive calls. Even more so, every time I have attempted to discuss alternate repayment options, such as consolidation or income based repayment, I was told I had no other options. There is no willingness to work with customers.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Sir / Madam : I am writing to request an investigation on CitiMortgage for breaching the contract on my Optional Agreement payment plan I opened on XXXX XXXX, XXXX included with my monthly mortgage payments. I was laid off my job I held for XXXX years due to downsize on XXXX/XXXX/XXXX. I called CitiMortgage to get information on how to process coverage. I was transferred to several different people in various departments trying to see what I should do. No one at Citi knew what I was talking about or knew what the options coverage or completion plan fee was on my monthly statement. I was then transferred and advised about only on an unemployment assistance program ( UP ) and sent the forms out to complete and return to them to pay {$1.00} per month for XXXX months and pay the balloon payment by XXXX XXXX, XXXX. 
I have never been late on my mortgage for the past XXXX years. I have use my savings, XXXX, Unemployment and borrowed money to pay my mortgage until my unemployment ran out. I was only offered this Unemployment program. When I was sent these forms for this program all I have experience is hardship from the various letters I have been receiving about this program. I have been charged with an appraisal fee 's, and sent various forms for Modification, letters thanking me for agreeing to participate in the program that I have not returned as well as pictures of other homes others homes in the area comparing to mine. I have had people taking pictures of my home and a real estate agent come to my home XXXX wanting to speak to me about selling my home. I am feeling victimized and Citi Mortgage trying to force me from my home. 
I have copied various forms to show but too many to add to this system. I have been receiving larger amounts for payment, increases on the escrow payments due changing and raising the amount due since I satisfied the payments. Please help this company is trying to take my home after XXXX years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX, checks my credit, appr. 4 to 5 times every year.Hard Inq, bringing down my rating.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed hackers to steal my personal financial information due to their ridiculously insufficient security. What U.S. Senators were having a hearing to weaken regulations on Equifax and similar companies just before this security breach? Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Debt collection (Other debt) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: 1. File suit for a debt taken out XXXX XXXX, attorney knew or should have known was time-barred 2. Failed to notify me of final judgement/lien 3. Improperly signed my name to Court Order & Judgement which I never saw or knew had been issued 4. CFPB to impose {$1000.00} statutory penalty ; liability for emotional distress, losses due to potential delay in mortgage refinance 5. CFPB to note violation of Court Order Civil Action # XXXX dated XXXX/XXXX/XXXX and take action as appropriate

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: my complaint is against ocwen mortgage. I refinanced my loan XX/XX/XXXX. at the time I did not have my taxes and insurance escrowed. I sent the required documentation to get my taxes and insurance escrowed. this year I receive a late notice from the tax assessor. I call ocwen to find out whats going on since my statements clearly show that money is escrowed for taxes and insurance on my statements. first call states I do not have an escrow account, second call ocwen states I only have insurance taken out. I call my insurance company and sure enough they have not been paid. third call to ocwen I am told the money escrowed was for an advance on the insurance from the previous year. I never asked them to advance anything just collect taxes insurance for an escrow account. they claim they sent me a letter stating my escrow account was originally denied. I never received this letter nor did I ever ask for any type of advance on the previous years insurance. I was under the assumption that my taxes and insurance were being escrowed once the escrow started. in addition when I asked to speak to a supervisor I was told XXXX the supervisor would call me back. when I asked for his extention I was told I cant have it. it takes at least a day or two for ocwen to call me back each time I leave a message. I constantly keep getting different answers from them regarding the escrow account. I am not even allowed to speak directly to the escrow department. I am now in a position of have to pay {$1100.00} in taxes ( plus late fee ) and another {$1400.00} in insurance that all along I thought was being escrowed. I also asked ocwen to pay the taxes and insurance and set up the escrow properly. I received an email from them stating they could not because the taxes and insurance were past due. naturally they are past due because I was under the assumption ocwen was paying them. I would appreciate any help in 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 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: had account with   XXXX   XXXX   in   XXXX   XXXX    florida around 2013. closed the account after having extreme issues with the bank. I had some some withdraw a lot of money on a online server.. when I reported it the bank refused to reimburse my money and feed me.. after going to your agency years ago they finally fixed and cleared my accounts.. well guess what its back.. I had received a letter from them way back but lost documents in the hurricaine.. these people are ruining my credit and just came back on my  XXXX  and credit report just with the last two months. I do not have my old account number. want it removed immediately

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 03/20/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: My mother XXXX XXXX was a XXXX and has been a victim of identity theft, bank fraud. I was also a victim of identity theft. A Wachovia bank employee had access to my mother 's personal information and safe deposit box. My mother had Treasury Bills ( unrecovered ) and my birth certificate ( unrecovered ) in her safe deposit box.She fraudulently added herself to my mother 's accounts. She had siphoned off money from one account into an account going to her home. Over XXXX was stolen. In addition she opened a joint checking and savings account with my information obtained from my mother 's account without my knowledge or consent. Wachovia Bank terminated her from her position after an investigation and returned most of the money. I later found charges and a savings account fro a printout. I wrote the bank 's President in XXXX, North Carolina. My hopes of getting an apology and assistance with a prosecution were dashed in a letter dated XXXX XXXX, XXXX, '' We have investigated your concerns and found no evidence to show that fraud was committed on XXXX XXXX 's accounts ''. In XXXX XXXX, Detective XXXX XXXX XXXX of XXXX Crime Unit started an investigation after I called. Finally in XXXX XXXX the detective called she arrested the employee. Municipal District Attorney XXXX XXXX ensured me a new trial and a conviction but did not follow through. I hired an attorney and contacted Wells Fargo now the bank of record. I recieved a small settlement. The employee was not prosecuted and the bank did nothing to assist or call for an arrest and the investigation. All the losses totaled {$100000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Settlement process and costs

Complaint: I received a loan in XXXX 2006 from America 's Wholesale Lender which in my opinion is predatory.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Money transfer, virtual currency, or money service (International money transfer) with WELLS FARGO & COMPANY (MD).
Issue: Unexpected or other fees

Complaint: Wells Fargo refuses to answer my questions. Please see my response to their answer below and they closed the case without responding. CONSUMER DISPUTED COMPANY 'S RESPONSE? Yes CONSUMER DISPUTED DATE AND TIME XX/XX/2017 XXXX ET CONSUMER RESPONSE XXXX XXXX, Senior Correspondent Specialist at Wells Fargo, still does not understand the issue and has provided factually wrong information in the reply. Factually Correct : Yes, I got a call from Wells Fargo ( wire division branch and unfortunately did not note down his name ) saying they were still investigating why Wells Fargo, as the intermediary branch in one transaction, had deducted {$30.00}. Her clearly understood the nature of my inquiry- that Wells Fargo was the intermediary bank and  WF should be able to explain or track down the {$30.00} charge. At NO time did I ever accept and said I understood the explanation- a claim falsely made by XXXX XXXX. Factually Wrong : From the explanation given by XXXX XXXX he/she still puts the blame on the Intermediary Bank. How many times do I have to state and explain that in one of the two transactions the intermediary bank IS  Wells Fargo.  XXXX XXXX, the branch manager and the gentlemen who called me on XX/XX/XXXX understand this clearly. He is looking into to find the answers so this matter is NOT closed and I shall await the explanation of fees charged. The transparency issue still remains. XXXX XXXX is located at the following Wells Fargo Office Customer Correspondence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 06/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I applied to an apartment building in the year XXXX, on XXXX XXXX XXXX in XXXX, CO, that I did n't move into. My information was used by another to set up phone service in the building. I first was notified in XXXX of this, and I resolved the issue with another collection agency. For some reason, they sold the debt to Stellar, the current agency. Stellar reported this collection in XXXX XXXX without ever notifying me that they had even purchased the " debt '', which I believe is illegal. This happened 16 years ago, and I am still being harassed. I have disputed this with all XXXX bureaus and it has been removed from XXXX and XXXX. I want it removed from XXXX as well. Thank you in advance for any assistance - I do appreciate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Consumer Loan (Installment loan) with Special Financing Company, LLC (OK).
Issue: Managing the loan or lease

Complaint: This is an additional complaint in relation to case number  XXXX , regarding account number  XXXX  with Special Financing Company , LLC. I received the statement for  XXXX   XXXX  this morning via email as per my request from customer service yesterday. Upon my review of the billing statement I discovered some discrepancies in regard to the account. The APR listed on the statement is 18.99 %. The APR on the Sales Order that I signed on  XXXX   XXXX ,  XXXX  states that the  XXXX  on the loan is 17.99 %. I have uploaded a copy of the executed  Sales Order  that states this agreed upon  APR. Also, the billing statement shows that there are 25 pa yments due until the account is paid in full. As of  XXXX   XXXX ,  XXXX , there have bee n 13 p ayments deducted from my bank account and credited to the balance of the loan. The offer that I received from  XXXX   XXXX  from  XXXX   XXXX   XXXX , was an offer of a 36 month ( 3 year  XXXX  loan. That is the offer than I reviewed, gave consideration to and accepted. I do not have a copy of this offer, however  XXXX   XXXX   XXXX  should have a record of it. I have uploaded co pies of 13 payments that have been withdrawn from my bank account. If there are 25 payments still remaining and I have paid 13,  this is a 38 month loan. Also, customer service has informed me via telephone that this is a 3 year loan. My last concerns are that I was charged {$990.00} just to " start '' the account, and no funds from this fee were applied to my account balance. Additionally, there is a {$1000.00} added to the balance of the loan that is not part of the funds dispersed nor interest. I question if this practice violates consumer right 's laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Deposits and withdrawals

Complaint: I was told by Wells Fargo..I have a Hold on my {$5000.00} check from fidelity because of too many overdrafts in my aaccount ... my question is can I physically go get my check back ... i need my Money for rent? 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Consumer Loan (Installment loan) with Braviant Holdings, LLC (MO).
Issue: Problems when you are unable to pay

Complaint: I sent the company Balance Credit a revocation letter on XXXX/XXXX/16. They acknowledged and agreed to this request on XXXX/XXXX/16. On XXXX/XXXX/16 they debited my checking account for {$220.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Problems caused by my funds being low

Complaint: My bank, Compass Bank, chose to process all debits on a particular day before processing the credits. This, of course, led to overdraft charges. I went to look at their policy, and found the paragraph below, which basically says that they can process them however they want on any given day, in their total and absolute discretion. No doubt, they use this policy to consistently rack up overdraft fees. This policy is unconscionable and should not be permitted. 

This is the policy I found : Processing and Posting Order. You authorize and agree that we may, in our sole discretion, determine the order that we process and post credits, debits and holds to your account. You also authorize and agree that the order and/or manner in which we post credits, debits and holds may vary by product, service, account type or type of transaction. You also authorize and agree that we are allowed to pay or authorize some credits, debits, and holds, and decline or return others, in any order we deem appropriate. The order in which in which we post credits, debits and holds to your account may not be the same as the order in which you make the withdrawals from or deposits to your account. You agree that any order in which we process and post credits, debits and holds to your account will not be an abuse of discretion. If two or more items are presented for payment from your account on the same day, we may pay or charge the items to your account in any order without regard to any contrary instructions from you, even if paying a particular item or items causes the available balance for your account to be insufficient to pay one or more other items that otherwise could have been paid, which may result in the occurrence of additional or other service charges that otherwise may not have occurred. We may pay items drawn on us, debit your account for any service charges and other amounts that you owe us under this Agreement or otherwise, and we may exercise any rights of set off we may have against the account before we pay any other item. 

If an item was initiated at a point-of-sale terminal or a XXXX transaction or ATM, you agree that we may charge the amount of the item to your account or place a hold on your account in the amount requested by the merchant immediately upon authorization of such transaction, even though we have not then actually received the item for payment. We will make payment for a transaction only after the actual transaction is presented to us physically or electronically. Each such hold will reduce the Available Balance in your account by the amount of the hold.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/18/2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (CA).
Issue: Managing the loan or lease

Complaint: I received a letter saying I qualified for a {$500.00} pay day loan. This was right before XXXX and I needed the money to help buy presents for my family. I was told there was a finance charge around {$150.00}, which is a lot, but I agreed to it. I received the money and I have been paying {$150.00} every two weeks to pay off the loan. Its XXXX now, and I have paid {$900.00} towards this loan. I checked the website ( they just changed their name from XXXX XXXX to Big Picture Loans ) and I have only paid {$25.00} towards the balance! I 'm shocked and I feel scammed. I took a screen shot of the payoff schedule, which was unavailable before i took the loan out, and it seems I am to pay {$2200.00} to pay off the original {$400.00} loan. That 's outrageous!

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Credit card () with WELLS FARGO & COMPANY (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On or about the XX/XX/XXXX I paid off a retail account I had with Wells Fargo Bank, the bank in return closed the account which they should have. Several days later there was a new retail account opened in my name by wells Fargo Bank for XXXX dollars without my knowledge or consent. I contacted wells Fargo and spoke to a representative from their retail department who told me that the personal information I provided did n't match what they had for my date of birth and she updated it. I asked her who opened the account and she said it was so I could shop with their approved merchants and could only be used with them that it was not a regular credit card. I told her to closee the account and she said come on do n't you want to keep it and I told her it was a fraudulent account done without my consent aND she read off some prepared statement about how closing the account would impact on my credit which it did.

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 08/25/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Problems caused by my funds being low

Complaint: This complaint is in regard to Bank of America.. Per previous complaint, Bank of America did resolve the issue of refunding/removing me the overdraft charges totaling {$140.00} on or about XXXX/XXXX/2015. However, as soon as that was done I was assessed fees on not only my checking account but also my savings account. Such as a maintenance fee. I complained to their representative and on or about XXXX XXXX, 2015, I informed her I wanted both account closed. I was n't paying there fees and if they wanted to they could sue me. 
This next issue is what set me off. She removed the fees, closed the accounts and blocked the accounts so I could no longer have access to them. 
On both the savings and checking accounts I had my own monies left on them. Approximately $ XXXX {$15.00} which they owe me. HELP

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (Credit card) with Resurgent Capital Services L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against LVNV FUDNING for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company response to consumer: Closed with non-monetary relief