milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/21/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On X/XX/17 my account overdrew however I had the funds in my savings account to cover the transaction. Wells Fargo then charged me a XXXX overdraft transfer fee since they moved the funds from my savings account to my checking account. Then I had a transaction that hit my account which caused my account to overdraw once again and was charged a {$35.00} overdraft fee. Upon calling the bank, I was transferred to a different department where I voiced my concerns. Upon threatening to report to CFPB the rep didnt even know what I was talking about. She placed me on hold to notate the account then she then proceeded to tell me about the convenient services that I was signed up for and explained the fees. I told her it was n't very convenient beings that I was being charged to move my own money from one account to another. At that point I removed overdraft protection from my account and the rep agreed to waive the {$12.00} and half of my over draft fee. I told her I wanted the whole fee waived since I would have never had it in the first place if I wasnt charged the XXXX. She would not agree so I asked for her supervisor, she stated that she was the highest level of personnel I could get, I did mention that it was sad since she didnt even know what the CFPB was and that I was still going to file the complaint.

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 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$5700.00} with Experian, XXXX and XXXX credit reporting agencies. I requested verification of the debt and account however XXXX XXXX  failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

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 11-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: THIS IS THE XXXX COMPLAINT THAT I MADE TO THIS AGENCY AND TOTALLY IGNORED AND MAKING THE COMIUNICATION IMPOSIBLE TO DISPIUTE THE CONELCTION AGENCY FALSE RESPONSES IN THIS SITE THE DOCUMENTS CAN BE ATTAACHED I AM UNDER A FRAUDULENT FORECLOSURE PRACICES DUAL TRACK BACK DATED MAIL AND DECEPTIVE PRACTICES FROM THIS SERVICING AGENCY ON MY LOAN AND YOU ARE WORKING ON BEHALF OF THEM SINCE THE COMINICATION BETWING YOU EN THEM ARE A SECRET COMIUNICATION HIDING FORM ME

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I have been paying this Equity Home Loan for 10 years. I have paid over {$100.00} every month for the past 10 years and this month they said that I will now have to pay {$220.00} a month and if I do n't they are going to take my home. I am XXXX and XXXX and I get a total of {$820.00} a month. I do n't have enough money to pay my mortgage, this loan, utilities and have food to eat. These people prey and the elderly and are trying to take my home. They said that all the money I have paid for the past 10 years has not been taken off the loan at all. After 10 years I still owe the same amount if not more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Bank account or service (Cashing a check without an account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Making/receiving payments, sending money

Complaint: I received a check from a business doing their banking with Bank ofAmerica. This bank charged XXXX ( XXXX ) dollars to cash a check written forpayment at their bank. This is common practice in XXXX XXXX, Nevada.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Payday loan debt) with Ashfield Management Services Inc, (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: This is in follow up to complaint  XXXX . Since filing that complaint,  XXXX   XXXX  has called my place of employment and left a voicemail advising me to contact him regarding " a complaint against me ''. This call was placed AFTER I called and told him not to contact me further and tried to give him my bankruptcy attorney 's information which he refused.  XXXX  reports that he works fo r Ashfield Management Services at   XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX , NY. This call was in blatant violation of the FDCPA and I am now owed {$1000.00} for this incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I applied for the borrower defense to repayment discharge of the federal Direct Loans per the XXXX website and it has been 6 months and I have not received a response from the DOE or my servicer regarding the processing of this. I have sent several emails and when I call my servicer- FedLoan Servicing , they have no idea what I am even talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with ARVEST BANK GROUP, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Central Mortgage Company charged a late fee that should not have been charged. 
They have done this several times on my online bill pay.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (GA).
Issue: Other transaction issues

Complaint: I went to a Western Union provider and filled out the order to send {$470.00} but added a " test question '' because the recipient had his wallet stolen and did not have an ID. The transaction went thru and printed me a receipt. The charge for the service was {$40.00} When my friend went to pick up the money he could not because the " test question '' was not listed on the transaction. The reason is that Western Union has a rule that you can not send amounts over {$290.00} with a " test question ''. So he could not get the money. I called and they told me to go back and get a refund. So I did but they said they would not refund the {$40.00} fee for sending the money. I do n't understand how they can charge me for this when I was not informed that this transaction would not be deliverable. I was printed a receipt. Their system should have not let this " undeliverable '' transaction to complete. I think their software should have kicked this back and should have not allowed this transaction to complete. I want my {$40.00} back

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-05-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: order company to cease all phone communication & send it thru the mail and they continue to call me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: A bank account was opened in my name over 10 years ago at Bank of America. Also, I had an XXXX and XXXX account. I 've become a victim of identity theft to the extreme ; whereas, I 'm being stalked by individuals I do n't even know for my card XXXX pin number. Why? My best assumption is that maybe they are duplicating cards, not sure. Identity theft in XXXX has become very stressful and a health matter as well. I am writing to protect and secure my funds in account which, at this point, I am afraid to put money into accounts when XXXX, XXXX, XXXX XXXX College faculty members, or others can go into my account when they have relatives or friends working in financial corporation to hinder hard working XXXX Americans from becoming financially stable.

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 03/22/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Other

Complaint: American Express made a " hard pull '' on my credit bureau ( I checked with XXXX ) for a credit card replacement. I did not apply for credit. 

Spent 4+ hours straddling between Amex Cust service and Amex Cedit Bureau division. One department would send me over to the other in a seemingly perpetual loop. Finally, XXXX from the Credit Bureau dept. asked that I send a fax to their investigative team. I did not hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIFTH THIRD FINANCIAL CORPORATION (NC).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I tried to close my account and they told me they would turn me in the credit bureau.  XXXX   2017ask f or for

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I attended XXXX College, in XXXX, Alaska XX/XX/XXXX. The school is CLOSED. 
XX/XX/XXXX I received a Form XXXX Cancellation of Debt ( Replacement ) form cancelling the debt in XX/XX/XXXX. Again I received a letter of the balance of the loans being written off from the ACPE Alaska Commission on Postsecondary Education dated XX/XX/XXXX. All of these letters have been sent to FedLoan Servicing with no answer from them. I mailed Certified and regular U.S. Mail. I have told them to " Stop contacting me. '' on the advice of an attorney, yet they continue to call, now weekly. This is a violation of the Fair Debt Collection Practices Act according to Attorney XXXX XXXX XXXX, XXXX, Alaska XX/XX/XXXX. A. I want this taken off my credit report. B. I want the harassment and embarassing phone calls to stop on my cell and business and any other phone, such as family, friends, former landlords, neighbors. C. I want this in writing from FedLoan that there is NO Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Navient allows the payee to make payments online, but does not offer the option to complete a payoff online. I phoned in and asked the customer service agent if I could pay off one of the loans through them and she said yes. She processed my payment and told me that the loan was paid off. I received a confirmation number and email reflecting that payment. When I went back online to see if my account updated to reflect the pay off. This was not the case, the monies had been spread over all my loans. If the agent does n't have the authority to take a payoff they should not tell the payee this and take the payment online.
I have put in a request to Navient to either put my payment toward the loan that I requested to pay off or refund my monies. I should n't have to ask this. The option should be available already. Every effort should be made to help/allow the student to payoff these loans.
Navient has predatory loan management practices. The site is setup to discourage payoff by requiring mail in of pay off and choosing to only allow the student the option to make a payment ahead and the loan continues to accrue interest. Navient or any other loan servicing agent should NOT be allowed to offer consolidation that requires a student to have to allow them to apply 10 years of interest on the entire loan just to have one loan. This is worse than the housing crisis.
If you have to mail in a payoff, the payee continues to accrue interest on that loan awaiting the payment to be received. The payee should be able to make payoffs online in real time. Why is Navient allowed to not offer payoff online?
Why is the customer service number not located on the front page? why does the payee have to search for a contact number?

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: Commenity Bank called me a couple days ago, they told me that they were su eing me for theft of services, and that they could seize my XXXX, I tried to tell them that they ca n't touch it, but the guy kept insisting that they can.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was told by FedLoans that my XXXX individual XXXX loan were consolidated, but I found out that was NOT true. XXXX of them are unsub and XXXX of them are sub. The starting balance and current balance are as follows ; Original XXXX current XXXX ( paid off {$67.00} ) Original XXXX current XXXX ( went up {$75.00} ) Original XXXX current XXXX ( went up {$260.00} ) Original XXXX current XXXX ( paid off {$130.00} ) Original XXXX current XXXX ( went up {$220.00} ) This has been over a FOUR Year period! The customer support are always very rude and unintelligent. I had to once go into forbearance due to loss of job, and they were happy to help me ( most likely due to interest collected ). During this time they reported to the credit bearueu that I was delinquent when that was not the case. There was XXXX other time earlier in the years that I had to go into forbearance due to no work. So just twice, both times approved. 

I am back to paying my loan again due to a great full time career. I just looked at my recent payment, and it was split up between the XXXX loans. More was paid to interest than principal, I 've even seen times where 99 % went to interest and 1 % went to principal. 

This loan company only wants your money. They will have you pay for decades, XXXX over your credit report, collect money on interest and never pass go. Over the years of paying this loan on time ( except for those 2 times ), I still have n't been able to decrease it below the {$8400.00} mark. {$470.00} has gone to principal, where as {$990.00} has gone to interest. I will never be able to be rid of these people, I feel like it 's a debt owed to the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I received a settlement letter in XXXX 2015 for {$2200.00}. I have made all the payments and Navient sent my account to a collection agency for the full balance even though I made all settlement payments. I paid off the settlement early and have attached copies of the money order receipts. 

The last I heard from Navient was on XXXX XXXX, when they told me that my payment had been applied to a different account, that they had fixed it, and that I would be receiving a settlement in full letter shortly. Instead, I received a collection letter for XXXX XXXX for the full balance with no mention of my settlement or the settlement payments I made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient misaccounted for a loan in which the funds were returned by the college I was attending in XXXX. The funds were awarded to me after filing out the fafsa. When I declined to accept the dispursement, it was returned to the lender. I then continued to pay on the loan until I discovered their mistake in XXXX. I paid for the loan from XXXX XXXX to XXXX XXXX when I they acknowledged their mistake and put the loan on Administrative Forbearance. I have been fighting them for all the money I paid for the 6 year period. They have yet to reimburse any funds even after acknowledging the mistake. On top of this, when they put the loan on Administrative Forbearance, their system still reported negatively on my credit report. They have yet to repair that either.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my  local FBI field agenct office in XXXX XXXX to report these accounts.

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 03/26/2015 about Debt collection (Medical) with Remex, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: MY INSURANCE COMPANY, XXXX XXXX & XXXX XXXX SAYS BILL WAS SETTLED

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: In XX/XX/XXXX We took a loan for XXXX from XXXX  XXXX XXXX, which later was bought by XXXX XXXX XXXX XXXX XXXX  for a property located in XXXX XXXX, Florida. Property Address : XXXX XXXX XXXX XXXX, XXXX, FL. XXXX. Such Mortgage was Paid and Satisfied ( Letter of Satisfaction attached ) in XX/XX/XXXX, but it is still coming up on our Credit Reports as an ongoing late payment. We respectfully request this situation corrected, since it is adversely affecting our credit scores and our ability to conduct our business.

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 09-03-2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: After paying off my home mortgage in full, Well Fargo has flatly refused to return the original signed Note. The mortgage was sold as part of a collateralized debt instrument to investors. I suspect they are double-dipping and continuing to use the Note as collateral on the CDI because I paid off my loan 27 years early. This would require them to admit to the fund that the CDI is worth about XXXX dollars less than they sold it for. Instead they filed a notice electronically with the county indicating that the Note was paid. The electronic filing can legally be claimed to be a mistake later if they produce the original signed Note. The only thing I have been provided with is a copy of the electronic filing which is not valid as it lacks a corporate endorsement seal on it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (KS).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Received my consumer report from ChexSystems and noticed some inquiries listed under consumer initiated that I never initiated. I 've never been to XXXX let alone tried to open up an account with XXXX in XXXX. Tried contacting ChexSystems to file dispute and was told they do n't handle disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: In the beginning of re-payment, payments were misapplied. Co-signer was harassed with 30+ calls a day. It took at least 5 phone calls to several different people for them to figure out it was there issue. Two years later, I 've never missed a payment and asked for a 6 month deferment due to attending the XXXX and was told " NO, get you cosigner to pay it ''.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Debt collection (Other debt) with United Student Loan Assistance Center (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Last year I talked to the XXXX XXXX XXXX XXXX. I told them I did n't feel comfortable with their service and they said if I did n't want to proceed further I did n't have to. Today I received a debt collection notice on behalf of them from XXXX attempting to collect on that debt. I never used their services because I can literally do it for free. I am not responsible for this debt because they never did anything for me after I said I did n't want to use their services.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation