milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Trouble during payment process

Complaint: We have Wells Fargo mortgage and the insurance company. After deciding to switch homeowner insurance companies. Wells Fargo suggested we use their company. We found out they do n't have an insurance company, and instead uses XXXX 's. We were paying the insurance company directly, then wanted to see how it work if Wells Fargo paid through an escrow. When we tried to close the escrow account, Wells Fargo claimed we agreed to pay escrow for the " life of the loan '' which is neither a legal requirement nor a contractual one. They sent a copy of the papers which do not confirm their statement. In fact, our mortgage agreement states " XXXX '' is due for escrow. The mortgage was created in XX/XX/XXXX, and the escrow account in XX/XX/XXXX. Attached is the monthly payment agreement page from our contract. 

Your agency is not looking at the papers, and Wells Fargo is aware that you are not reviewing them. Wells Fargo is engaging in fraud by submitting false documents under of the pretense of compliance. We have no contractual obligation to keep an escrow account especially since they are holding three times the legal limit RESPA sets. 

PLEASE CONDUCT AN INVESTIGATION.

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 02-08-2017 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Managing the loan or lease

Complaint: In trying to turn in my XXXX lease to XXXX different XXXX dealers I was rejected by all of the because Honda Financial incorrectly advised the dealers that my lease was 42 months and was n't at the end so to not take the vehicle back. Honda Financial also returned checks for payments and reported them past due. This negligence is still haunting me many years later through incorrect and updated credit reporting. They never responded to the letter attached, fixed their errors, or apologized to me. I have also filed disputes 4 times in the last year with the credit bureaus and they continue to ignore the issue and dont reply.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Loans went into repayment in XXXX 2016. Every penny of monthly payment has been applied to interest, nothing to principal. I will never get this paid off through income based repayment if nothing is put towards principal.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I opened an account with Bank of America online and I read the detail that said a deposit of {$250.00} need to be made per cycle in order to waive the {$12.00} fee. This was in XXXX of XXXX. I did n't realize it but I was given a 90 grace period on the fee. When the grace period came up, in XXXX XXXX, I received the {$12.00} fee and I went back and reread the details of the fee schedule. I saw that it said a direct deposit of at least {$250.00}. I set up two monthly direct deposits of {$200.00} in XXXX but I continued to receive the fee. As this is a petty spending account I did n't realize that I was still accruing these fees until XXXX XXXX. I reached out to Bank of America today XXXX/XXXX/XXXX and they refunded {$24.00}, or two months worth of the fees but they refused to refund the rest of the fees that had been charged. The issue turned out being that the direct deposit itself needed to be {$250.00} not a total of {$250.00} a billing cycle. Regardless of whether or not I get my money back I feel that this statement should be qualified so that other people are not mislead as I was.Thank you for your help with 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 monetary relief
Consumer complaint received 10-05-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My identity was stolen. I filed a XXXX XXXX XXXX police report Case No. XXXX, and also a F.T.C. " Identity Theft Affidavit '', # XXXX. I submitted my notarized documents by certified mail to XXXX XXXX, XXXX, and Experian. They did not do a thorough investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-09-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NH).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: This complaint was filed back in XXXX XXXX, spoke with the " Consumer Advocates Office '' @ Navient about getting the interest rate lowered on a student loan that I co-signed on for my son ( 11 % ). I was put on an interest only payment plan for what I thought would be a short term period as it turns out it was for FOUR ( 4 ) years, numerous calls to Navient to be removed from this program fall on deaf ears. I enlisted the help of XXXX XXXX office and that did little good. I have submitted financial statements to Navient back in XXXX of XXXX in an effort to get the interest rate reduced on this loan, that got no where, have tried to refinance this loan and got no where. Their billing statements show minimum payment due and if you read the fine print you 'll notice that the accrued interest for the month is XXXX - XXXX dollars more than the minimum payment. This is deceptive in its very nature, credit card companies do n't operate in this fashion why should Navient?. In short they are nothing more than a loan shark operation, not asking for a hand out asking for some help to pay these people off. I have reached full retirement age, my son is unemployed with XXXX children and even being employed he is under employed ( wages ).

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In XXXX I called Central Financial Control about a medical bill that had been turned over, I told them I could pay $ XXXX monthly, which I have been paying faithfully since XXXX XXXX, yesterday XXXX/XXXX/XXXX, I saw that this account has been placed in collections and it is showing on my credit report, furthermore it is showing on there under XXXX different collections name. I did not get any notice after my call in XXXX and they have been receiving the payments. I feel like this is unfair, I should have gotten some sort of notice before it was added on 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 explanation
Consumer complaint received 07-07-2017 about Credit card or prepaid card (Store credit card) with STERLING JEWELERS, INC. (SC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have been a customer in good standing with Kay Jewelers for 6+ years. I have never been late on a payment and have earned one of their highest credit limits. In XX/XX/XXXX, I purchased wedding bands from Kay and the balance ended up over {$7000.00}. I have paid {$360.00} every month for the past twelve months and the minimum payment has not gone down. I called today ( XX/XX/XXXX ) to inquire if the minimum payment would ever go down and the lady I spoke with said that it would not, I had 17 more payments of {$360.00}. I verified that it was still a credit card/ revolving account and not an installment loan. She said that was correct. I asked what would happen when I paid the balance down to {$500.00}, what would happen then- she said it 'd still be {$360.00} per month til it 's paid off. She transferred me to her supervisor who repeated the same things. I asked the supervisor what would happen if I bought something else from Kay, she said it would still be the {$360.00}. She offered to lower my payments to {$210.00}, but said that it would remain {$210.00} til it was paid out. She asked what I was trying to do, I told her that I expected my account to be like it had in the past prior to my very large purchase - as the balance went down, my minimum payment went down. I believe I was fooled about the terms of my account and the payment options. I told the supervisor that I can and will pay the {$360.00}, but I should not be required to pay that amount for a set term until payout because that would be an installment loan- requiring a contract I never signed. She insisted that their policies have never changed, all of their credit accounts work this way and they do it for the " good of the customer '' to insure the customers do not pay much in interest. I finally just agreed for them to lower the payment to the {$210.00} and I will try and pay the account out within a few months. However when I went online to set up the payment- it said total due was {$210.00}, minimum payment was {$360.00}. I selected the {$210.00} option and when I went to process it, it showed I 'd have a late fee. I will probably end up paying the {$360.00} to protect my credit, but there should have been a better resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MN).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have a USBank XXXX XXXX XXXX XXXX card. I have had this particular card since XXXX. I have had my USBank account since XXXX. I use this XXXX card for both personal and business expenses and I pay {$49.00}. Recently, XX/XX/XXXX, I noticed XXXX reduced my points by XXXX points. I called them ( XXXX XXXX ) and discussed that the points NEVER expire. I was told I was wrong but the lady would request they give me back the deducted missing points. I waited several weeks but nothing happened. I went to the issuing back, USBank XXXX, MN ( XXXX blocks from my home ) and asked for help. Again, at the beginning of the conversation, it looked positive. The account manager called XXXX and they offered me XXXX points. I told them it was a slap in the face ... that is only +2 % of the XXXX they took from me. The manger called back and asked to speak to a supervisor... she offer XXXX but is was in the form of some kind of gift. I told her I want the points and not a small " gift ''. 

Can you help me?

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 08-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX/XXXX/15 my credit score went from XXXX to XXXX due to my credit report showing " a derogatory public record or collection filed. '' I have not been sent anything legally certified in the mail nor have I ever received a judgment from any court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: We were told to use a home equity line of credit to pay for the down payment on the purchase of our home. We then moved XXXX and lost our renters. We stopped payment on the home in XX/XX/XXXX and was foreclosed in XX/XX/XXXX. This line of credit was written off but still shows on our credit report. We 'd like to have it removed on the account of prolonged processing and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was another victim in the large scale Equifax hack. Like many others, it was suggested that I check the status of my personal information on their website, and after doing so, I was told that I should return at a later date, and was directed to a page with ads for their credit protection services, which given the situation, is entirely improper. 

Moreover, with the number of times that I 've moved in the last few years ( I just finished XXXX XXXX, and even moved in the middle of that for an XXXX ), I 'm having trouble checking my credit report through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Closing/Cancelling account

Complaint: Received a notice from Citi that my credit card account of several years standing was being cancelled due to inactivity.I had not used the card for 3 years. However there was a rewards balance of {$130.00}. When I called the Citi call center to ask about the cancellation, I was told that when the account was closed the rewards balance was cancelled as well. 
While their card agreement allows them to cancel at any time for any reason, or even for no reason at all, I think it is unethical for them to stick the rewards dollars in their pocket. 
I would be curious to know the accumulated amount of rewards they pocketed from inactive cardholders as a result of this kind of action. 
SUMMARY : I understand their right to cancel the account, but feel cheated that they took my rewards without warning. A similar experience with airline miles happens, however it is with warning that miles will be cancelled if no activity took place ( and usually with several notices to the account holder ). I think bank regulators and elected officials should be aware of this self enrichment action on Citi 's part.

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 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Gatestone & Co. International Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received a letter today and noticed that it read a collection account was established under my identity. I have never inquiried or purchase any items from XXXX XXXX XXXX ever. So I am puzzled to why a letter would come in a mail in a form of debt collection on a wireless account. Your company has violated my rights and my credit profile. I wont allow anyone to mishandle my credit profile nor my identity. If I find that my identity was used without my consent which it seems in this case that is what exactly happened. I will contact my lawyer and look to take legal actions against your company. I am determined that I have proof that this is not a debt that is mine. I am unaware of the debt. I will be heading to my County Courthouse first thing tomorrow morning to file a lawsuit. I will not settle nor accept any debt to be placed on to me or my credit profile. I demand that this is investigated and removed immediately upon receiving this message. During the investigation I would like to know the process of verification step by step, I want to know everyone and anyone who will be working on my credit file. I will be keeping a copy of all documents, certified letters, recordings, upon the time of proceeding to the courtroom to settle this error that was placed onto my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-04-2016 about Consumer Loan (Vehicle loan) with LOBEL FINANCIAL CORPORATION (CA).
Issue: Taking out the loan or lease

Complaint: I have an auto loan through Lobel financial. I am being charged $ XXXX monthly because I have not furnished proof of full coverage insurance. In my attempt to pay off the car early with XXXXon the left, Lobel is trying to charge me the {$60.00} in advance of the payments remaining. I obtained a copy of the waiver I signed and nowhere in it does it say I had to pay in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Billing disputes

Complaint: In an open case # XXXX, I just disputed Citi 's regulatory complaint spec XXXX XXXX pretty lame excuse for ( as experience numerous times ) allegedly misapplying my payments. All of the checks and money orders XXXX XXXX mentioned were mysteriously applied to a closed account ending in XXXX. All had the " account number '' written on them. In XXXX Citi stated I never sent the money but would investigate. Citi is just being retaliatory towards me for involving my Congressmen re : the previous Citi matter where they tried to take advantage of me. Do n't understand how with all of their " specialist '' they misapply money. In addition, Citi ACH 's my checking account for {$70.00} towards the balance of said account ending in XXXX. It 's obvious in addition to being revengeful Citi is trying to soak me for as much money as they can from me by any means necessary. For now I stopped the ACH 's and will send them {$50.00} each month until this matter is settle.

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 02-09-2018 about Debt collection (Other debt) with Experian Information Solutions Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION PAYMENT NEVER LATE / NO KNOWLEDGE OF THE COLLECTIONS ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Trouble during payment process

Complaint: 15 Year Mortgage with Bank of America. Homeowner ALWAYS had private homeowner 's insurance paid separately, and NEVER part of the mortgage payment. Premises has always been properly residential/professional zoned. Beginning XXXX, Bank arbitrarily and capriciously begins sending default notice alleging Homeowner has " no-insurance coverage ''. Homeowner submits proof of insurance coverage no less than four ( 4 ) times, including proofs from the Homeowner 's Insurance Company. Homeowner NEVER late with any payment, and now with approximately 1 1/2 years left on mortgage. Bank now begins to withhold homeowner 's current payments, and purposefully and willfully applies them to " default on homeowner 's insurance '' only. Thus, Homeowner now being charged with late fees, and/or threats of non-payment of the mortgage. Given the numerous proofs of valid, current homeowner 's insurance, as well as, said proofs for nearly 13 year of compliance, Bank is taking an obvious and blatant attempt to move Homeowner into defualt, extort additional monies as " insurance '', despite proper coverage and submitted proof therein. Bank will not credit nor account the payments properly.

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 09/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: The City of XXXX, Texas is attempting to collect " outstanding balances '' owed on traffic tickets. The city indicates that because this is not a " consumer debt '', e.g., a credit card, it may use the threatening collection tactics and communication ( issuance of an arrest warrant, towing or booting vehicles ) as a lawful means to collect. 

The City also threatens forwarding the unpaid account to a collection agency and increasing the balance owed by a usurious interest amount of 30 %. 

The City of XXXX is also attempting to collect debts older than 4 years old, but does not disclose to the individual i the notice letter that the debt may be " uncollectable '' as a result of the expiration of a statute of limitations. 

However, the City is attempting to collect using other threatening means. The City of XXXX argues that this debt is not covered by FDCPA because it is not a consumer debt and has cited federal court authority ( see attached ). However, the vast majority of these individuals face the lose or suspension of their driving privileges, a right and necessity many MUST have in order to work and support their families. Therefore, this action raises constitutional concerns regarding the loss, suspension or deprivation of a necessary right without due process of law..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax Only removed XXXX out of XXXX XXXX XXXX Hard Inquiries where they should of removed XXXX. The XXXX one was from XX/XX/XXXX and should of been removed with the others. 
The XXXX XXXX was removed but the XXXX was not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Customer service / Customer relations

Complaint: Bank of America offers a credit card with cash back. ( Better Balance Rewards ). I met the terms and conditions but due to their programming negligence BOA is refusing to honor the bonus. They claim you can use the bonus to pay down your balance but when I did so they said the payment was not programmed " to COUNT ''? 

I was required to make more than minimum payment. 
My account balance was XXXX. 
I paid my credit card in FULL every month. 

So let me get this straight..I have a Minus credit balance, and no [ payment is due but Bank of America says I failed to meet the minimum payment? How is this possible???? 

The BOA card was set up for automatic payments. The cash back was automatically set up to put cash back onto the card. It is YOUR system. Fix it and do n't blame the customer for faulty system logic.. ENOUGH already. Own it.

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