milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: " funds received '' of {$1000.00}, on XXXX/XXXX/XXXX as Doc XXXX shows under " activity since your last statement ''. same statement dated XXXX/XXXX/XXXX under " important messages '' part of which reads " starting XXXX XXXX, XXXX checks will be sent for all refunds, regardless of amount. '' no check but, a credit to my account. Wells Fargo did not do as statement reads. same mailing as Doc XXXX & XXXX explain the reason for refund and a credit ( not a check ). Wells Fargo did not allow me to be in control of the money they took from me. then after getting caught taking my re-fund they decided to add the amount to my principle. I feel it was not right for Wells Fargo to make this decision without my consent via the above rule that they stated in writing about overages. 
Wells Fargo added insult to injury as Doc XXXX show a " XXXX '' for {$1000.00} as received XXXX/XXXX/XXXX in which I had to pay taxes on the amount credited it the principal of my loan, which was a loss around {$200.00}, that I would have gotten back on my taxes. 
Doc XXXX shows more interest income for {$24.00}. I believe I have never received that refund, and I had to pay taxes on that amount as well! 
Wells Fargo has taken money from me, returns it to me but, decides to pay on the principle of my loan which benefits them ; and only after getting caught then you know what those nice folks did next, why yes, I have to pay taxes on the money they took form me, and already paid taxes on to pay the taxes again. Therefore, the end result was that I paid taxes twice on two different amounts, I believe that is double dipping and I am sure this is not legal. Also, they did not follow their own written policy regrading overages and refunds. 
When I called Wells Fargo on XXXX/XXXX/XXXX to inquire about this concern I was told that, " well sir we could sent you back the payment you just made at the XX/XX/XXXX ''. I thought, no thanks if I took that offer I would have to pay taxes on that in XXXX. During the same conversation they had the audacity to ask if " would you like to refinance with us '' not now but thanks for nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: Wells Fargo Bank , NA, paid a check that was written for {$2000.00} for {$3000.00}. A {$1000.00} mistake. When the local branch was contacted in XXXX, Georgia, we were told that a " machine '' reads the checks and it was read as {$3000.00}. A copy of the check should be attached. As you can see at the dollar amount, there is a " comma '' after the number {$2.00} in the dollar amount of the check which makes it look like a {$3.00}. It is my understanding that checks are to be paid by using the hand written amount instead of the dollar amount written on the check. The hand written amount states " XXXX XXXX XXXX XXXX and XXXX cents ''. So what is this " machine '' that reads the dollar amount of the check instead of the handwritten amount and are consumers aware of this practice?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Mortgage (FHA mortgage) with Selene Finance LP (NY).
Issue: Struggling to pay mortgage

Complaint: I started a short sale in XXXX XXXX with XXXX XXXX as the executor of the property that was owned by my mother. When we found a buyer we started the process of submitting documents to XXXX XXXX. Since this was a XXXX XXXX loan, we were directed to submit the file to XXXX XXXX directly and they would work with us to get an approval. While negotiating with XXXX XXXX they sent an e-mail with a counter offer to the offer that was submitted. The buyer decided to accept the counter. While the amended documents were being prepared, XXXX XXXX informed us in XXXX the loan was sold and we had to wait until XXXX XXXX to get in touch with the new servicer. They informed us that we would have to start the process over again with the new servicer. We waited and submitted the offer again to the new servicer, Selene financing. After the servicer reviewed the documents and the value, on XXXX XXXX we were told the investor has to net {$380000.00}. The buyer had to increase the offer which he agreed to and we submitted all the amended documents. After waiting over a month for a response, on XXXX XXXX we received an e-mail that the investor has to net {$400000.00} based on the new value that was received from an exterior BPO. However this was not the net that we were told on XXXX XXXX. We were told the change in value was due to a new exterior BPO that was completed. This property is an estate sale that has been sitting empty for a year. During the winter months, pipes froze and burst and there is water damage, mold and other issues that need to be addressed in the property. Therefore an exterior only BPO would not allow for an accurate value of the property. Additionally an Inspection report was also submitted with the offer which provided the details of the disrepair in the property. As the executor of my mothers estate I am doing the best that I can to manage the sale of this property. However, I am currently on working for the government in XXXX and this process has been very frustrating and tedious to say the least. The amount of paperwork and the back and forth while I am in a different time zone has not been easy. I would like assistance in getting this short sale process completed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Payday loan () with GVA Holdings, LLC (CT).
Issue: Can't stop charges to bank account

Complaint: Borrowed XXXX dollars from the lender in XXXX and from XXXX to XXXX I have been charged at this time what I borrowed should be paid back.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I became a victim from XXXX/broker " s name [ XXXX XXXX ] whom was attempting to bring his legal secretary to my front door and said that he wanted to close home refinance loan since I was already cancelled this loan. He force me by said : XXXX you will pay same amount $ XXXX/month for 5 years or 60 months and I did not have time to review all documents. Based on good faith he was indicated with an interest rate 1.250 % 2. Then he sold this account to second XXXX XXXX XXXX on XXXX/XXXX/2007 after he took over {$7.00} thousands dollars on closing cost more than it was indicated on GF copy. 3. Then second XXXX XXXX XXXX Servicing re-sold my account to Aurora Loan Services on XX/XX/XXXX with original loan {$240.00} to become principal balance= {$240.00} after six month payment that I paid toward the end of 5 years aka 60 months and remained 54 more months to complete my terms. 
Note : I had planned to refinance to fix rate before my term up. 
Suddently Aurora Loan Services was illegally jumped my monthly mortgage payment from {$790.00} to {$2600.00} right after three [ 3 ] years as well as changed my interest rate without my knowledge. Since I was paid and owned this property since XX/XX/XXXX and never missed any payment from bank to bank when numbers of banks tried to merge together. 
I am work hard for my family to raise my children alone, I used to work XXXX jobs to maintain my life. For more detail including their addresses I will submit when requested. 
Please assist me to go through this upside down mortgage principal was created by Aurora Loan Services.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IL).
Issue: Money was not available when promised

Complaint: Since XX/XX/XXXX Ive had a support ticket open with Coinbase support to unlock my funds in one of their accounts. They have promised timely support and have asked for my patience but the weeks are turning into months and I still dont have access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit card () with WELLS FARGO & COMPANY (NY).
Issue: Closing/Cancelling account

Complaint: Wells Fargo closed my credit card without notice. I 've had an account with them since XXXX/XXXX/XXXX ; it 's the oldest on my credit report. I have never made a late payment. 

Today, I received a letter dated XXXX/XXXX/XXXX stating that my account had been closed due to inactivity for 6 months. When I called them, they stated that they would have to do another hard pull of my credit report in order to reopen the account. 

This puts me between a rock and a hard place : the closure of my oldest account, which has perfect payment history, is obviously bad for my credit score. But a hard inquiry for a credit card will also hurt my credit score for the next two years. 

Wells Fargo claims that they sent a letter on XXXX/XXXX/XXXX, indicating that they would close my account if I did not respond. There is no way to know if this is true, as I never received this letter and it was not sent via certified mail. I was also on vacation from XXXX until XXXX, as Wells Fargo was aware, since my travel plans were registered with them well in advance. 

Customer service representatives confirm that WF did not call me, email me, or send me a secure message via their website. It is my belief that they intended for me *not* to receive this message -- considering that they have exclusively delivered my credit card electronically, for years, I see no other reason why WF would eschew modern means of communication. 

It is absurd and unacceptable Wells Fargo would silently terminate what is by far my longest credit relationship -- I opened the account at age XXXX ; I am now XXXX -- without any notice. The expression " XXXX '' has never felt more pertinent : in exchange for responsible use of credit, they have forced me into a situation that is *guaranteed* to adversely affect my credit score.

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 03/27/2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (IA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: This has been over a year and the company will not contact me, when I call they hang up on me and will not provide any information I ask. I was told that the company is practicing unfair collections and phone calls, by my lawyer. The company took down my online profile so I was unable to pay my loan. I had to wait 6 months for my lawyer to get a response from the company 's account manger for my account information. In that time they reported my account as delinquent and turned it over to connections. I had nothing in writing and they would not provide what collections company I was suppose to pay. I am at a loss as to what I need to do now. I have made payments in the past three months totaling over {$1000.00} and nothing show on my credit.

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
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: Both my husband and I are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the XXXX report dated XX/XX/XXXX. I disputed this XXXX credit that showed up with it showing a repossession. XXXX XXXX andXXXX  are the same company. Furthermore, XXXX backdated a deletion of XXXX XXXX on XX/XX/XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else 's bad car loan. 

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same. 

Please help

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: equifax, afraid my information was STOLEN and i ', m afraid to even use there site as i do n't feel secure it is safe to do so i think they should be made to help people affected and then GO TO JAIL!!!

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Payday loan, title loan, or personal loan (Payday loan) with Debt Recovery Solutions, LLC (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Debt Recovery Solutions, XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) reported a 'placed in collection ' balance of {$1300.00} to XXXX XXXX XX/XX/XXXX. 

They reported the original creditor as XXXX XXXX XXXX of XXXX with an open date of XX/XX/XXXX. I do not have a balance with this creditor. This appears to be a 'new ' balance, which resulted in a significant credit score drop. 

Over the past couple of years I have received random phone calls and emails from similar payday loan companies threatening to proceed with arrest warrants, direct contact with my employer, putting my social security number on hold, etc. Additionally, there was direct refusal to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: constant calls and harassment to my brother and myself at XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I had a Checking Account at Bank of America. My account was overdrawn for a period time, approximately XXXX weeks. Bank of America recently closed my account without warning or providing possibly remedies to avoid this action. At no time did Bank of America attempt to contact me via mail, phone, or through their own website. If they had informed me of the potential for closure I would have attempted to work with the bank to form a plan to fix the problem. Instead Bank of America proceeded with a course of action with no notice. In addition to the closure, I had attempted to make a deposit of XXXX money prior to the closure. Since Bank of America closed the account without notice I did not receive my XXXX until nearly XXXX weeks later. If Bank of America had simply informed me of their intentions I would have worked to rectify the problem.

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 02/21/2017 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: This is my second complaint about ECMC. I just received an arrogant and not factual letter from ECMC stating that they did not have my updated information which was their reasoning for me not receiving communication from them, which in turn provoked them to garnish my wages. I just located my XXXX tax document from them which clearly had my current address. There was no reason to send any document to XXXX which is what was stated. It is very upsetting that these companies like XXXX as well are allow to get away with this type of action. How can companies treat people trying to better their lives this way. I did not receive one bill, communication, or information about what was owed, yet they are allowed to make damaging reports on a credit report and garnish wages. It is just not acceptable.

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 08/25/2015 about Consumer Loan (Installment loan) with Oasis Legal Finance Holding Company, LLC (IL).
Issue: Taking out the loan or lease

Complaint: I was receiving XXXX. My XXXX stopped temporarily due to issues with the company handling the XXXX. My attorney referred me to Oasis lending during these periods. I borrowed XXXX in the end I was required to pay XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I filed a complaint a weeks ago and bank of America 's attorney responsed with a complete packet of everything that has happened with my loan but the problem is its all lies.I have tried from the beginning to WORK withBoA to resolve my problem.They are the ones who always block an opportunity for me to keep my home.This home means everything to me since my late father was the one who did all the work on it and it always makes me smile I still see him on the ladder or painting. 
I first call XXXX XXXX and they contacted BoA and they told me I would be getting a packet and my payment would be XXXX, problem packet never came.Went to XXXX, My housing counselor XXXX XXXX called Bank of America once again I was told my packet would come in the mail in 2 weeks, problem never came. 
My house was onb sheriffi 's sale XX/XX/2010, I got an inhouse mod that was almost XXXX. more, signed the paperwork and send my first check only problem they said they got the check but no paperwork.I am trying to show their tactics in dealing with me.I am sick to my stomach at the thought of losing my home but I ca n't believe that this nightmare has been going on for almost 7 years.Please I am enclosing some documents which show they are liars and have been doing this to me with only one intention to throw me out of my home.

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 09/28/2015 about Debt collection (Federal student loan) with Progressive Financial Services, Inc. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: My pay check was garnished with no prior notice. I ask for proof of debt and none has been provided. in the meantime, my checks are still being garnished and I am getting the run-around. I believe these judgements are being robo signed without consumers having an oportunity to dispute the validity of the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MO).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been trying to get the fedloan.gov to certify my eligible student loans for public service loan forgiveness. I have been trying to resolve this matter for over a year with numerous phone calls  ( 10+ )   and submitted written requests.     Issue is whether  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX  a non profit  501 ( c ) ( 6 )   qualifies for public service loan forgiveness?      Public Service Loan Forgiveness is gr anted in the following circumstances '' " If your organization is tax-exempt, but is not a  501 ( c   ) ( 3  ) organization, it could qualify under this category if it provides a qualifying public service. '' Fedloan.gov will not provide what standard is used to define the following qualifying public service :  Emergency management Public safety T hey wo n't tell me if I do qualify. If do n't, why not? What is the standard. No guidelines exist and no one will put anything specific in writing. I am constantly put on hold fo r 20 m inutes or more and then hung up on.     https : //myfedloan.org/borrowers/special-programs/pslf

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (Mortgage debt) with State Home Mortgage (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been contacted concerning a debt I attempted to pay. I am running behind in my mortgage payments and have had continuous communication with them pertaining to why I fell behind. I usually pay the current month but on the last day of the month while attempting to get caught up. XX/XX/XXXX I was unable to go to the mortgage company to provide them my payment as my manager called a mandatory meeting. I explained that and stated I would pay them tomorrow morning. I was denied by XXXX XXXX that payment and she advised they would need to collect 2 months at that time. I have not signed anything pertaining to this type of agreement and have nothing in writing from this institution pertaining to this type of agreement. Therefore, I have received calls from her as well as XXXX XXXX pertaining to my debt owed. I advised XXXX XXXX at that time I can not pay two months and if I had to, I could not pay it until the end of the month. Additionally I have paid and they have sent my payments back to me on occasions. This causes an adverse rating on my credit as well as additional charges due to being late. Also I am charged for property inspections when I am delinquent. I have written to ask why no payments are being reported on my credit report to no avail. I realize I filed bankruptcy in XX/XX/XXXX but they were excluded and still they will not report anything on my credit. I also have a second loan which is a balloon payment. No one can seem to find that second loan. I am almost positive these actions are to take my house from me. I would just like a response on why I can not make one mortgage payment until I am caught up, why I have nothing in writing pertaining to their agreement, where is the second loan and why nothing is being reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Already dispute with experian. They will not let me dispute again, said they already investigated and will not reinvestigate.

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