milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/21/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY ().
Issue: Credit decision / Underwriting

Complaint: re wells fargo bank mortgages, XXXX CFPB casses against, re wells fargo partial responce letter yet again i can not open? numerouse complaints for the same actions what is the piont sending something i can not open? so i have desputed on them grounds, Please explane why wells fargo bank can not email me they have served documants to case on me why dont they want to EMAIL

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
Consumer complaint received 08/24/2016 about Credit card () with BARCLAYS BANK DELAWARE (IL).
Issue: Balance transfer

Complaint: Barclaycard sent me balance transfer checks in the mail. I deposited one into my checking account and they did not pay it because they said I did not have the full amount available. I looked at my recent transactions and I did swipe the card taking me under the {$500.00} that I wrote the check for but I had the charge reversed. The reversal of the charge is dated on XXXX/XXXX/2016 the same day that the charge was made. Barclaycard got the balance transfer check on XXXX/XXXX/2016 and they did not honor it. They told me that they did not post the credit to the account before they posted the debit to the account. Them not paying the check resulted in my bank charging me XXXX NSF fees and a charge back fee totaling {$100.00} Barclaycard tried to also charge me a {$27.00} returned check fee that they did reverse but I feel extremely disappointed that I had to pay {$100.00} because they did not pay my check.

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 04-04-2017 about Student loan (Federal student loan servicing) with Ceannate (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I received information from the united states department of education, during these conversation through the phone and mail, I was informed to contact a company called fms and this company would set up a payment plan that would report that my loans are being serviced by them I currently have XXXX of them XXXX are from XXXX XXXX college, the other XXXX are from XXXX XXXX college, in a review of my credit report on which these accounts are listed four times separately there is no mention of my paying these debts monthly as agreed at this time i am asking that this information be furnished to the XXXX credit reporting agencies, stating a positive reference that i have currently making payments and they are timely, I also am asking that my wages that were garnished become part of the resolution as well as my federal offset, I am enclosing copies of the payments made, to fms rehabiliation program under the united states department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Bank of America did not send me an XXXX statement. As a result they could charge me a late fee for not paying on time and increasing my APR ( on my XXXX statement ). I have disputed this fraud practice multiple times but BAC refuses to address my concerns.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/27/2015 about Debt collection (I do not know) with Alorica Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: WEST ASSET NEVER SENT ME A VALIDATION LETTER REGARDING MY XXXX BILL!

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Bank account or service (Checking account) with UMPQUA HOLDINGS CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: My bank assisted a fraud against me. I went to my bank with a check from a new customer. I told the teller, XXXX, I do n't want anything to do with the money written on this check until it clears their bank. She said, '' Ok. It should clear in 24 hrs. '' I left the bank and returned 3 days later. XXXX was my teller again and she said to me, " The check has cleared. You can withdraw the funds. '' And I did. Two weeks later I went to the bank for another transaction. XXXX saw me and came over upset and said, '' That check you gave me a couple of weeks ago, it was a bad check. '' I reminded her that she assured me it had cleared their bank. She said, '' I know, but I did n't key it in. I should have keyed it in. I 'm sorry. You need to give the money back. '' I was very upset and told her it was gone. I trusted her to tell me the truth that it cleared their bank. I walked out. I wrote letters to the XXXX and to the bank to no avail. This was all recorded on their cameras. Then, I was told I had an unpaid debt on my credit report. When I looked at my credit reports the bank has reported it as an overdraft oper (? ). I disputed it with the credit report agencies and told them how I was deceived by the bank teller into believing the check had cleared and how XXXX had admitted she did n't follow procedure, but they wo n't remove it. It is marked as dispute and that 's 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 03/14/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XX/XX/XXXX we began the process of refinancing my Parent Plus loan from Navient Education Loans to a private loan with Navient. On XX/XX/XXXX, I received a notice that my first payment on my private loan was due on XX/XX/XXXX. I went online to set up automatic payments. I was unable to access the online account My wife mailed a check on XX/XX/XXXX ( check # XXXX XXXX to make sure payment was timely received*. In early XX/XX/XXXX my wife and I also called, and the loan servicer could not find my loan. 
* The check was cashed by Navient on XX/XX/XXXX. When we called to ask about the payment, Navient told us that they could not find it. 
During the following 8 weeks, we called and spoke with numerous individuals on over half a dozen occasions in both the private loan and education loan departments at Navient. 
Several weeks ago, a representative determined that my social security number had been inaccurately transposed within their system when the loan was transferred. They told us that it would take several weeks for it to get resolved, and that there was nothing else we could do, but wait. At that time, we reiterated that because this problem was not caused by us, that we should not be penalized in any way. 
Yesterday, XX/XX/XXXX, I received an e-mail indicating that my loan required my attention. We called, and were told that my loan was in forbearance due to missed payments. 
On XX/XX/XXXX I received notice that my credit score has gone down over XXXX points due to delinquency. 
We have documentation for the majority of conversations, along with a fax that we sent at Navient 's request concerning the matter. 

We have not failed in our efforts to pay this loan. In fact, if it were not for our efforts to understand what was going on with our loan, there is no way of knowing what the status of the loan would be today. Navient has shown gross negligence in handling our loan, and now my credit has been adversly impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Credit decision / Underwriting

Complaint: Approximately 90 days ago, we applied for a simple refinance loan from Quicken Loans. With a credit score over XXXX we were told there should be no problems in processing this loan. We were told we were approved but since then, Quicken Loans has stalled and delayed for no known reasons. All documents have been given them. The original interest rate lock has expired due to their stall tactics and now they want to raise the interest rate and even if we were to agree they are unable to give a close date. They shuffle you from XXXX customer representative to another like some stereotypical car salesman. I paid them {$500.00} to cover the appraisal costs, but their stall tactics continue, in spite of their advertised promises. My desired solution is a refund of the {$500.00}. This company really should be investigated for possible violations. I will not do business with company.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a personal loan with One Main Finance. The loan was due on XXXX XXXX the payment is in the current month due. But they started calling me on the XXXX non stop. The loan is n't even XXXX days past the due date. Calling me XXXX times or more a day leaving messages. All day calls starting at XXXX ending around XXXX. Even calls to my phone on Saturdays.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I am a victim of identity theft and now I have over XXXX inquiries on my credit report.Equifax violated my security freeze and released my credit information to companies that requested it. There should have been controls in place to prevent Equifax from aiding the identity thief into having my credit ran over XXXX times. I have disputed this with Equifax several times and they have taken the stance that its too much work for them and they are taking no action. They have not bothered to investigate the nature of my dispute. This is having detrimental damage to my credit score. They refer me back to the creditor and the creditor refers me back to Equifax. Equifax released the information and they need to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (TX).
Issue: Deposits and withdrawals

Complaint: I deposited a check from my business account at XXXX XXXX into my personal account after hours at Chase ATM machine for {$150000.00} on XX/XX/XXXX. However, the machine only credited my account for {$150.00}! I went to the branch where the ATM is located and informed the discrepancy to a private client banker on XX/XX/XXXX. He talked with Chase head office and was told that the problem will be resolved by XX/XX/XXXX. I even received a letter from Chase customer claims that " my inquiry has been resolved ''. However Chase refused to release the remaining {$150000.00}. After repeated calls to the branch and customer claims center over the past 3 weeks, I have now received this amount BUT only as a TEMPORARY credit until " they investigate the matter further ''. 
Thus, I am afraid to access these funds since they might take this money back from my account and charge me a fee for an overdrawn account In the past, they have charged me a fee of {$75.00} if my balance falls below {$75000.00} even for a few hours. 
I am enclosing a copy of the original check, copy of my account statement, the letter from Chase claiming that " they have discussed and I have agreed that this matter is resolved " - obviously completely untrue, as well as an email that states clearly that the credit is only temporary. I also enclose a notice from XXXX XXXX stating that my business account was debited for {$150000.00} and NOT for {$150.00} by Chase

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/31/2016 about Mortgage (Reverse mortgage) with AMERICAN ADVISORS GROUP (CA).
Issue: Application, originator, mortgage broker

Complaint: Last week, ( XXXX 2016 ) in applying for a Reverse Mortgage through AAG ( American Advisors Group, NMLS # XXXX ) I was instructed to submit my credit card information before an application would be sent to me in order to apply for a reverse mortgage. The credit card, I was told was needed for the cost of the appraisal fee which was not even scheduled or needed since the application was not even prepared and sent to me for review and approval. AAG said this is a policy for all Reverse Mortgage loans, no exceptions! 

AAG indicated that I must submit credit card information or no application would be prepared and sent to review and sign. The Reverse Mortgage Professional from AAG in asking for credit card information before receiving and reviewing their terms and conditions appears improper and may be a violation of prudent lending practices. I did not submit my credit card information and, therefore, no application was ever sent! 

I hope this compliant is not a waste of time to report this practice from AAG, supposedly the largest Reverse Mortgage lender in the nation.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Payday loan () with POPULAR BANK (CA).
Issue: Charged fees or interest I didn't expect

Complaint: payday loan company offered a loan called really early scam they want {$110.00} up front. 
E LoanELoan.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (AZ).
Issue: Problems when you are unable to pay

Complaint: I am past due on my car loan. I 've made it clear that I ca n't have any calls at my work and that the only number I have is my cell phone. both yesterday and the previous days I get at a minimum XXXX calls. yesterday ( XXXX/XXXX/16 ) I had a total of 5 calls ( 4 to my cell phone and 1 to my work ). my cell phone calls were done at XXXX XXXX ( a voicemail was left ) XXXX ( another voicemail was left ), XXXX, and XXXX. I also had a call on my work phone around XXXX where the agent id herself and after I hung up the phone she called my cell phone AGAIN at the XXXX time. this is common. I get multiple harassing calls and they even continue AFTER a voicemail is left or AFTER I had contact with someone. I just started my job and I got in trouble for the harassing calls - this is why I made it crystal clear that they can not contact me at my work. I called Regional Acceptance and have since Ceased all contact because I ca n't trust them to follow Debt Collection LAWS when it comes to my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Credit card) with Harvest Credit Management VII, LLC (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: On XXXX/XXXX/XXXX Harvest Credit Management illegally collected funds from my XXXX XXXX XXXX XXXX savings account in the amount of {$10000.00}. These were funds directly from my deceased mothers life insurance policy and were exempt. This is in addition to insurance benefits funds they also took last year and in XXXX from my XXXX XXXX XXXX XXXX account prior to my closing my account. 
The difference though is that these were kept separate from any earnings as I had no earning for XXXX yet ( to Date ). I would wish to collect interest as damages in the amount the Credit Card company wished to charge prior to closing my account. I closed all my credi accounts with XXXX and XXXX in XXXX. But each of the XXXX major card companies all jumped the interest to 29 % and 35 % and tripled the debt I owed before losing the accounts after three to four months regardless of XXXX or XXXX company credit requests. 

I feel that any and all credit card companies that disregard the Major Nationwide Credit safety companies requests deserve to be shut down as they are choosing to operate in an Internet Environment without accepting third party Security Provisions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I never live in XXXX new York or XXXX XXXX in XXXX mass I think some one using my information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2017 about Debt collection (Medical) with Collection Consultants of California (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A collection agency has attempted to seek payment under a medical billing without proving they have a right to collect the debt. They were sent three letters beginning in XX/XX/2017 mandating they verify the debt and show proof of the contract to collect from the original debt holder and provide a copy of my signed authorization for the creditor use a third party collection agency. To date, they have NOT a copy of a contract or proof of my signature to a third party authorization. They were also informed the CA statute of limitations for the debt has expired and I will need proof they or the original creditor protected or extended the statute by filing a lawsuit and receiving a judgement in their favor. More than 60 days have passed without a response in writing or by providing the documentation requested. 

COLLECTION CONSULTANTS Account Number : XXXX COLLECTION CONSULTANTS Account Number : XXXX COLLECTION CONSULTANTS Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: We had an insurance check for work to be done in our bedroom that was made out to us and our mortgage company Fay servicing. We received the XXXX disbursement and were told when we were XXXX done with the work that they would send an inspector out. After the inspector came out the next XXXX would be disbursed. We called 8 days ok and no one has called us to set up the XXXX inspection. After calling Fay servicing over XXXX times and email contact we have no resolution on when they will conduct the inspection. We have had our entire bedroom crammed into our living room for over three months. The lack of response from Fay servicing and timely assistance has been unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently reviewed my credit report from Experian, and discovered that XXXX claims that I have an unpaid account opened on XXXX/XXXX/2014 with a balance due of {$190.00}. I have never had a XXXX account at any time. The account number on the report is : XXXX. I want this error removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I went to XXXX in NY and i was told that i was getting financial aid and money granted to my self to get my books and so on. Later in that year i saw i owed money and that it stated that I agreed to a loan when i didnt, I thought it was financial aid helping me since I have very low income. The school closed down for good and now I owe about an estimate of {$11000.00} when it had started off in XXXX and I still cant start making the payments and the amount will still go up because of the interest and im scared my credit will get damaged. Please help me and to everyone who is trying to make a career in life please read carefully and do research so that the same thing that happened to me wont happen to anyone

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Other debt) with Metro Collection Service, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My Wife and I lived in an apartment that became to expensive to live in once I lost my job. We had never signed a lease to stay at the property listed and were just staying month to month. When we found out that we could n't afford to live there anymore we were notified we could n't stay and we moved out within the designated period. We have since had a XXXX dollar collection put on our credit reports with two of the three bureaus. We do n't owe that money because we were not in the place long enough to have that amount accrue and because we never signed a lease in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have already filed a complaint against younomics with CFPB where I have stated that I am disputing the loan amount and the interest charged. Complaint Number : XXXX. However, younomics ' agent/affiliate University Accounting Services went ahead and reported to the credit bureaus that I was behind payments. As a result my credit scores have fallen drastically adversely affecting my ability transfer credit card balances to 0 % APR cards and my ability to obtain new loans or advances. I spoke to someone from University Accounting Services yesterday, XXXX XXXX, 2016, to withdraw the reporting, to no avail. Instead they on their own, and without me requesting, have granted forebearance on my account from XXXX/XXXX/2016 to XXXX/XXXX/2016, but claiming that " during Forbearance, interest accrues and is capitalized at the end of the Forbearance period. '' Since I am disputing the debt itself and am complaining about the lack of response from younomics, younomics or its affiliate University Accounting Service should not adversely report to the credit bureaus and should withdraw the adverse reporting done so far.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After disputing the information with the credit report agency left me with no response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation