milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/30/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In 2008 I was approved for a {$20000.00} private student loan, even though I was XXXX and had no credit. After taking over 7+ years to obtain my undergraduate degree, this loan accrued over {$20000.00} in interest, on top of the principle. The loan has since been " sold '' to Wells Fargo and they want me to pay {$400.00} a month on this loan. That 's almost 20 % of my monthly income and does even include XXXX other student loans I am paying on. I ca n't consolidate my student loans, because my credit is awful. At this point the only thing they can do is extend the term of the loan, which will only result in more interest. I feel completely taken advantage of and I need help setting up a payment that is reasonable for me. My federal Loans are currently on an income based repayment plan and I only have to pay {$36.00} a month. Please 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 explanation
Consumer complaint received 02-08-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I have made proper TAX XX/XX/XXXXpayment on XX/XX/XXXX, online by echeck. 
I have contacted Bank of America local branch, they provided certified Bank statements to showing that : 1 ). The correct checking account number in this eCheck. 
2 ). I have sufficient fund in my checking account. 
Unfortunately, this echeck was returned, even without reaching my checking account at all. 
I hope you can evaluating what has happened to my 1st payment on time, and kindly waive the property TAX later fee and interest. 
By the way, my father passed away at the end of last year, I went back to XXXX and come back a bit later. So I mad a last minute TAX payment. Otherwise I would make a payment much earlier. This is the 1st time happened to me for a returned check. 
My wife and me to live in this property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( Account # XXXX ), my wife XXXX XXXX has XXXX XXXX XXXXXXXX allowance. In the mean time, we are in the process of make title name change to XXXX XXXX and XXXX XXXX, then we can apply for a TAX exemption with XXXX soon. 
This incidence is the irresponsible handling of my echeck by BOA online service, no communication with me, no alert messages at all. Though I have made several calls for this echeck and try to make it go smoothly. BOA should be responsible for later fee and interest fee charge, returned check fee etc over {$400.00}. The BOA online service is very poor, each time, it take me at least one hour to reach a representative. Even a branch of BOA manager has taken over 30 ' to reach a BOA online service representative.

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 07-10-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Closing/Cancelling account

Complaint: Bank of America closed my credit card account in error. On XXXX/XXXX/16 I inquired about an APR reduction on my credit card account as I had excellent payment history, a long-term established relationship with an account that is twelve years old, consistently increased income and credit score over the past several years. My request was declined but I requested to speak with a supervisor for a secondary review and was promised a call back within one to two business days. On XX/XX/2016 I received a call back from a supervisor regarding the XXXX reduction and was declined a second time. During the call I discovered my current card had expired in XX/XX/XXXX so at the end of the conversation with the supervisor I requested to close the card until I could locate the new card that was mailed to me. After failing to locate the new card I logged in to my account to see if there was an option to order a card with a new number. At that time I noticed my credit availability had disappeared on the screen so I called Bank of America and was informed that I had closed my account and they were not able to issue me a new card with a new number. I attempted to resolve the issue though several managers but was told that I must go through the credit approval process ( providing updated personal information as well as a potential inquiry into my credit report ) to reopen the card. I explained to several managers this situation that occurred and that this account had been closed in error. All representatives were unwilling to help and insisted that I go through the approval process which would possibly count as an inquiry 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 05-11-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Other fee

Complaint: According to the Credit Card Agreement governing our account, " An Annual Fee of {$59.00} [ is assessed ] in XXXX 2015. The Annual fee will be assessed each XXXX if your account is open or if you maintain an account balance, whether or not you have active charging privileges. '' ( Page XXXX of Credit Card Agreement for XXXX XXXX XXXX XXXX. 

On XXXX XXXX, 2015, the account was assessed a fee of {$59.00}, identified on the billing statement as " ANNUAL FEE. " I contacted the company and asked them to remove the fee. According to the terms of the Credit Card Agreement, the annual fee shall be assessed " each XXXX. '' There is no provision that authorizes an annual fee charged in XXXX. There is no provision that allows an annual fee to be charged at a later date if it is not charged in XXXX. 

The company refused to remove the fee, arguing that since the fee was not charged in XXXX 2015, it was now due. I disagree because we received no notice of a change in the terms of our Credit Card Agreement authorizing an annual fee in any month other than XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Checking or savings account (CD (Certificate of Deposit)) with WELLS FARGO & COMPANY (AZ).
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint: About 2 years ago I took a certificate of deposit which I found in my Mother 's possessions to Wells Fargo Bank in XXXX to one XXXX XXXX. <P/>He photo copied the certificate and send to their unclaimed properties division, wherever that is. <P/>After 3 weeks and no communication, XXXX XXXX said they could not find it and more than likely it was gone. <P/>Since then, I see on the Internet, that many people had the same problem as me with no satisfaction of where the money is.

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 Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We received a collection letter form Caine & Weiner Acc # XXXX, Amount due : {$120.00}, This amount due is wrong, I ordered from XXXX : XXXX : {$6.00} and XXXX cups : {$1.00} date XX/XX/2016 and I never ordered anymore from them. 
After that they never sent me billing statement for payment I only received a post card which showed amount due : {$67.00} and have to pay online, It is wrong due amount. 
I can not pay online amount $ XXXX {$1.00} which I owed them. I try to call customer service but only machine answered and wait for long time. 
Now I want to fill out customer complaint and request the XXXX sent to me a billing statement due amount {$7.00} plus tax that I owed and willing to pay for that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom It May Concern:
I am writing this letter in the hopes that I can get some sort of resolution of the issues that I
am presenting to you.  Over a period of years, my wife and I have acquired a few properties, namely our XXXX home which we decided to rent out, our primary residence and an investment property (XXXXplex) in XXXX and our home in XXXX.  The mortgage to these properties were financed through XXXX Mortgage.  At some point in time, theses were acquired by PNC Bank.  At the time of the economic downturn, I reached out to the banks to attempt either refinancing or modification of the loans.  My credit rating at the time was XXXX plus.  I was informed that in order to qualify I would have to be delinquent and that refinancing was not an option because I had more than XXXX mortgages.  We began the modification process and after a year of repeatedly sending and resending documents somehow I received a modification agreement on XXXX property.  By the XXXX month of trial period just before the modification would have begun, PNC abruptly closed the account.  They stated we had broken the agreement, which was blatantly false and would not offer an explanation or discussion on the matter.  The property was immediately sold at auction.  Thankfully we kept a paper trail in anticipation of being defrauded in this process.  We hired attorneys to help us navigate through the short sale process on our original primary residence.  PNC  delayed the short sale process for over XXXX months with a qualified buyer waiting.  This home was also foreclosed on, so now we are down to one last trial and tribulation with PNC.  Even with a team of attorneys we have been unable to complete the modification process for over XXXX years.  I attempted the process alone for 18 months without legal representation.  So for close to 4 years we have been in limbo with respect to our primary residence.   Imagine our surprise or lack of surprise when we received a $XXXX settlement from the XXXX for discriminatory practices.  These last XXXX years have been hell on my wife and me.  After reading our situation we hope you can help us get this settled, for you are our last hope.  Thank you for taking the time to read this and I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Consumer Loan (Vehicle loan) with Consumer Financial Services (IL).
Issue: Taking out the loan or lease

Complaint: On XXXX/XXXX/2015, I went to Consumer Financial Services in an attempt to finance a vehicle. After, finding the vehicle I wanted, paying a down payment of {$500.00} and signing the contract, I waited for car to be brought around with the necessary registration. Soon after, the owner was unable to find the registration and advised his porter to drive me back to the car lot of XXXX XXXX XXXX to pick up some temporary plates. The porter drove the vehicle to the car lot and in route, the car 's engine blew up. I immediately advised that I was not interested in that car or any car from their lot, and would like my money back. The owner than informed me that he could hold my deposit until to 30 days, but would give it to me the next day. The next day came, no money, the day after and no money. Finally I contacted the police and they advised that they could do nothing, as this was civil matter, however, they would see if they could reason with the owner to give me my money back. The owner did not show up that day to speak with police or myself and kept having the ladies in the office to say he was n't there. On the 3rd day, he finally gave me a call to pick up my funds. Fast forward to XXXX XXXX, 2015, I pulled my credit report and found that Consumer Financial has put this car on my credit report even though I never received a vehicle from them and my deposit was returned. I contacted their office and they informed me that the car could not be removed from my credit until they sold it and hung up the phone. I tried calling back and once they knew it was me they would hang up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Checking or savings account (Other banking product or service) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: On XX/XX/XXXX I signed up for a {$200.00} reward through Regions for opening a new checking account. I could not open the account online and therefore had to go into a branch. On XX/XX/XXXX, I met with XXXX XXXX XXXX to open the account. I provided her a copy of the email and she opened the account. I recall her making a comment about the email having to match the offer. 

On XX/XX/XXXX I received an alert email from Regions that a change to my email address or telephone number occurred- this was the exact same day the new account was opened. 

I met all of the qualifications for receiving the {$200.00} as of XX/XX/XXXX. On XX/XX/XXXX I asked about the reward. I was told it could take up to 120 days. I continued asking about this reward until XX/XX/XXXX. I asked several different Regions representatives in person ( see business cards ) and by telephone. I had other issues with the account so each time I discussed the other issues, Id also ask about the Reward. All of these representatives stated that I had to continue waiting, that I would receive the reward, but that it could take the full 120 days. Even XXXX XXXX in XXXX told me this keep waiting, you will receive it. 

On XX/XX/XXXX however, XXXX XXXX wrote me an email stating that not only was Regions Bank not going to process nor approve my disputed claim regarding a charge for {$330.00}, the Bank also would not be honoring the {$200.00} Reward. He stated this was because the email address I registered with was changed before the incentive payout happened and thatthe terms stated the customer email address must remain unchanged until payout. ( see his emails ) I advised XXXX that I did not change the email address. In fact, the person who opened the account on XX/XX/XXXX would be responsible for the email address information matching-XXXX XXXX XXXX. Ironically I mentioned to XXXX the final time I was in the XXXX branch that I wanted to meet with XXXX but she ran out the back door and in fact every time I came into that branch, she refused to help me. 

In my short time with Regions Bank, they have refused to file and honor my claim dispute for {$330.00} and NOW they are rescinding their words, their offer for the {$200.00} Reward.

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 10/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CO).
Issue: Settlement process and costs

Complaint: Wells Fargo Home Mortgage just inform me in the last couple of weeks that I have been switched from a 30 year FIX rate to an adjustable interest rate on my primary mortgage. In the year XXXX when I was trying to get the financial support to obtain my property. I had a credit rating of XXXX ( Excellent ). Their were no reason for me not to able to get any institution to finance the home in XXXX Colorado. I chose to get help from the people who were in offices that were building the new homes at the time, and they started the process of getting Well Fargo Bank t involve in financing my home. I indicate at the time that I wanted a 30 year fix on my new home, and XXXX XXXX from XXXX XXXX Services indicate that Well Fargo would not do a 30 year on the secondary mortgage, but They would do a 30 year fix on the primary mortgage. Now 11 year later I receive a Letter from Well Fargo Home Mortgage indicate that my mortgage would increase in XXXX, because I sign a Document that indicated I would go from a 10 year fix to a Adjustable rate in XXXX of XXXX. I am just now paying only the principal after 10 years of paying both the principal and interest on my Home. I feel like both Well Fargo Bank, and XXXX XXXX XXXX have deceit me, because I was told by XXXX XXXX that the paper work that I was to sign in XXXX of XXXX would only include the secondary mortgage, as, adjustable and I could Fix that at in time, and I did fix the secondary in the year XXXX. Now too my surprise 11 years later. They inform me that their was a Fixed/Adjustable Rate Note among all the paper work that I put my init on ( GH ). that stated that I would converse from a Fix mortgage to a adjustable after 10 years. What reasonable person would do something this crazy. This is another sample of some of the bad practices that I have been reading, about Well Fargo Bank. Now I find out that Well Fargo Bank CEO has step down for some of the problems that they have created. I saw the congressional hearing on Television, and I understand WHY he had to step down. I am a customer that has lost faith in Well Fargo Home Mortgage, and Well Fargo Bank. Please help me to resolve this issue with Well Fargo Home Mortgage I have just turn XXXX XXXX XXXX, and I have begin to set myself up for retirement, but now this problem has stop some of my plans.

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 01/29/2018 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My mortgage was one of the thousands of mortgages caught up In Countrywide Fraudlent Mortgage Practices '' The law firm working with Countrywide was Disbarred for his fraudlent practices. 
I have spent thousands if dollars defending my home and my Credit records. 
I have and also have paid several attornies who have also requested under RESPA- FDIC and other documentations Such as QWR from these companies who now claim they own this fraudulent mortgage. 
On XX/XX/2016 I mailed another request by certified mail # XXXX to all addresses listed for XXXX with only an acknowledgement letter from them stating that they have received my request but still no other response was received from them. 
Now they have listed a whopping {$760000.00} Balance on my Credit report with XXXX  and other reporting agencies. 
Which I have DISPUTED but it is still listed on my account XXXX have not sent me any proof from the company to justify them having it remaining on my Credit report. 
Please note also that this DISPUTED mortgage have been dismissed in the XXXX XXXX Court Once by the court and second by XXXX who withdrew their case after the court ordered us to go to mediation of which they stated ( at mediation ) that they showed up at the mediation only because they were ordered by the Judge XXXX, but have no intent of trying to work out anything. ( They did not act in good faith ) made me waist my money and time as I had to pay half of the mediationvfees along with attorney fees XXXXas well ) Then they filed the enclosed motion withdrawing their case. ( see enclosed ) Please have this company remove this false reporting from my Credit Report which is causing me GREAT HARM. 
Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Debt collection (I do not know) with Financial Business and Consumer Solutions. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: FBCS, ( phone number XXXX XXXX ) contacted me today stating that they were collecting for XXXX, but did not give me the account number associated on my credit report, ( as it was not listed, and is required for collections ) and asked if my name was something else, which is was prior about XXXX years ago before my marriage. The debt has far surpassed the statute of limitations. I told them not to contact me again, and to stay out of my credit reports. I will be checking to see if they are attempting to steal my credit also by using this identifying tactic. I suspect that someone at my prior residence in XXXX XXXX XXXX is pulling this fiasco and is associated with criminal activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Improper debt collection amount

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Greetings, Master card account ending in  XXXX  has been closed for over 2 years, however, account was used for marketing purposes to reopen. I have repeadeatly asked for account to be removed from online profile as a security risks and to prevent marketing contact. Previous attemps were stated acco  unt CAN be removed if not used within 120 days. However, this account has met this crietia and surpassed amount of days by 2 years. I am requesting account be removed from online profile to prevent any fraud activity.
Previous complaint response refused to identify why account CAN NOT be removed from online profile. No reasonable explanation has been given by respondent.

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 03/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: 1. XXXX is reporting the account Condition as Derogatory. This is not correct. The account condition is PAID. XXXX was paid-in-full {$5700.00} as defined by the Bankruptcy Trustee.

2. XXXX can not agree that the account is paid-in-full and also claim a charge-off, ( see attached XXXX correspondence dated XX/XX/XXXX ). Amount paid to XXXX was made by the Bankruptcy Trustee not me.

3. XXXX is reporting the account Status as in a Payment Plan. This is not correct. This account was Paid-in-Full by the Bankruptcy Trustee. This account is closed so how can the account be in a Payment Plan? 
4. XXXX is reporting the account as Account has been closed due to inactivity. This is not correct. This account was properly included in Chapter XXXX filings and the Chapter XXXX Bankruptcy was Discharged on XX/XX/XXXX. 
5. This account is NOT in Chapter XXXX Bankruptcy. XXXX must only report the current condition of the account, ( elsewhere my Bankruptcy is reported as a public record ). 
6. It is not XXXX place to report a Bankruptcy on their portion of my credit report as my account with them is no longer in Bankruptcy.

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